Investor Presentaiton

MACRO ENVIRONMENT Compelling opportunities $ i - HDFC BANK One of the fastest growing economies in the world – real GDP growth ~7%; rising affluence Credit growth mirroring GDP growth with a multiplier of ~2x Significant under penetration of credit - potential to extend credit to 400mn - 500 mn individuals¹ Aspiration mirroring western/ global trends B Increasing digital adoption - ~700 mn active internet users Augurs well for hybrid acquisition and servicing model Stable, inter-operable infrastructure - Aadhar, UPI, AA, Credit Bureaus etc. Best levels of property affordability coupled with government support enhances mortgage potential 1. As per report by TransUnion CIBIL 10 HDFC Bank Presentation, May 2023

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