Reimagining Growth with Resilience

Sustainable Operations Actuarial Financial ESG HDFC Life ◉ Energy and water 。 82% of air-conditioners with 3 or 5 star rating 。 94% of branches use LED based lighting system o Use of sensor based urinals and water taps 。 Implementation of switch rooms across branches resulting in reduced air-conditioning usage 。 Replacement of Uninterruptible Power Supply (UPS) with new energy efficient devices De-carbonization roadmap and way forward Key initiatives & action points for FY23: o GHG (Greenhouse gas) inventorization 。 TCFD (Task Force on Climate-Related Financial Disclosures) 。 SBTI (Science Based Targets initiative) Digitization - Reduction of Paper Usage Introduction of E-business cards & ID cards Waste management О О Online /e-forms for customers O Annual report FY20 & FY21 digitally communicated O Demat i.e. digital policy accounts for 38% of our new business Bio-diversity 。 11 city forests created using Miyawaki method; 69,603 trees planted in total Expansion to support solar on schools and water rejuvenation Business travel 40+ video conferencing rooms setup to reduce travel RECYCLE REUSE REDUCE о 26 tonnes of e-waste о о recycled/refurbished/disposed in FY22 Donated old IT assets to help under- privileged sections of the society No single-use plastics ☐ Bio-degradable garbage bags Cafeteria with reusable plates, cutlery,; wooden stirrers etc. Procurement of plastic water bottles discontinued at Pan-India locations 49 49

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