Banking Lifecycle

STRONG NON-FUNDED REVENUE Granular and well diversified fee income Other Income Mix Fee Income Mix HDFC BANK 100% 7% 7% 7% Non-NII (Rs. bn) FY'21 FY'22 FY'23 FY'22 YoY FY'23 YoY 90% 18% 20% 18% Fees and 80% 162 195 238 21% 22% Commission 70% FX & Derivatives 24 39 41 60% 4% 60% 33% 30% 32% 50% P&L on 39 Investment 23 23 -11 -41% -150% 40% 30% 19% 20% 20% Others 27 38 44 39% 17% 20% Total Non-NII 252 295 312 17% 6% 10% 22% 23% 23% 0% 21 HDFC Bank Presentation, May 2023 FY'21 FY'22 FY'23 TPP business ■Retail assets Payments Retail liabilities Wholesale Well diversified fee income; pre-dominantly non-fund based

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