Banking Lifecycle

STRONG FRANCHISE Balance sheet and capital productivity Consistent growth in assets and RoA Rs. bn 25,000 1.9 2.0 2.0 1.9 20,000 15,000 10,000 5,000 1.9 1.9 1.9 HDFC BANK 2.0 2.0 2.0 2.1 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 Assets ROA % Capital positioned for growth with consistent RoE 25.0 20.1 20.9 20.4 20.0 18.0 18.0 18.2 16.3 16.8 16.6 16.9 17.4 15.0 10.0 5.0 0.0 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 ICET1% •ROE % 55 HDFC Bank Presentation, May 2023 FY13 Tier 1 capital as per Basel II FY14 onwards CET1 capital as per Basel III

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