Banking Lifecycle

MULTI-CHANNEL STRATEGY - BRANCH; VIRTUAL; ABCP/GIB; NR; WEALTH Mobilising deposits from multiple banking channels Multi-Channel Strategy Wealth Imperia Granular deposits HDFC BANK CASA ratio improved over pre-Covid level 19% 17% 42% I 48% 44% 33% 27% 30% 81% 83% Classic Preferred VRM Imperia VRM Preferred Classic on Prime NR Phone Mar'22 Branch managed 19 HDFC Bank Presentation, May 2023 15% 15% 15% Mar'23 Mar'20 Retail Wholesale Retail anchoring deposit growth Mar'22 ■CA Mix SA Mix Mar'23

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