HDFC Business and ESG Overview

HDFC WITH YOU, RIGHT THROUGH • • • • • IMPACT OF COVID-19 Q1 FY22 witnessed an eruption of a second wave of Covid-19 in India. Post that, there was a sharp recovery in business. In Q4 FY22, 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 Approvals and disbursements grew by 38% and 37% respectively in FY22 Scale up on all digital platforms for borrowers, depositors, channel partners and deposit agents, amongst others ■ 91% of new loan applications were received through the digital mode 67% of retail deposits digitally on-boarded Credit costs for the year stood at 33 basis points compared to 56 basis points in the previous year Total loans restructured under the RBI's Resolution Framework - OTR 1.0 & 2.0, amounted to 0.80% of the loan book. ■ The largest restructured account under the resolution framework of Rs 27.64 billion was fully repaid as at March 31, 2022. 10 10

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