HDFC Q3 FY22 Financial Highlights

IMPACT OF COVID-19 HDFC WITH YOU, RIGHT THROUGH • • ☐ • Q1 FY22 witnessed an eruption of a second wave of Covid-19 in India. Post that, there was a sharp recovery in business. In January 2022, the third wave of Covid-19 resulted in a rise in infections, but with considerable less severity and did not result in any material impact on business. The demand for housing continues to remain strong During Apr-Dec FY22, individual loan approvals and disbursements grew by 45% and 48% respectively over the corresponding period in the previous year Scale up on all digital platforms for borrowers, depositors, channel partners and deposit agents, amongst others 89% of new loan applications were received through the digital mode 61% of retail deposits digitally on-boarded Total provisions carried as at December 31, 2021 stood at Rs. 131.95 billion, compared to the regulatory requirement of Rs. 74.50 billion. Covid-19 provisioning stood at Rs. 11.87 billion Total loans restructured under the RBI's Resolution Framework - OTR 1.0 & 2.0, amounted to 1.3% of the loan book. 34% of the loans restructured is in respect of one account, where resolution is underway. Post further recovery in Jan/Feb 2022 in this one account, the restructured book stands at 1.1% of the loan book. 6

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