HDFC Business and ESG Overview

EXPECTED CREDIT LOSS (ECL) BASED ON EXPOSURE AT DEFAULT (EAD) HDFC WITH YOU, RIGHT THROUGH As per IndAS Exposure at Default Stage 1 Stage 2 Stage 3 Mar-22 Dec-21 Mar-21 93.3% 92.2% 91.4% 4.4% 5.1% 6.3% 2.3% 2.7% 2.3% Coverage Ratio (ECL/EAD) Stage 1 0.26% 0.27% 0.24% Stage 2 20.35% 17.05% 18.64% Stage 3 54.33% 48.93% 52.07% ECL/EAD 2.38% 2.45% 2.62% 27 22

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