Banking Lifecycle

EXECUTING ON IDENTIFIED AREAS OF GROWTH 10 Pillars of Growth HDFC BANK ◉HDFC BANK Customer acquisition Delivery of product and services Relationship management Capturing flows of Government and Digital Marketing Retail Assets Institutional (G&I) Expanding Wealth Management HDFC Bank edge for Corporate Cluster Heartland Commercial and Rural Customer Service and Experience 56 HDFC Bank Presentation, May 2023 Strengthening Compliance D Leadership in the Payments Business مهم Technology and Digital Re-Imagining the branch channel Virtual Relationship Management (VRM) Effective Risk Management Zero Paper, Zero Touch Operations Culture People Learning and Development

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