HDFC Operational & Financial Highlights

Percentage HDFC WITH YOU, RIGHT THROUGH GROSS NON-PERFORMING LOANS(NPLs) & PROVISIONS CARRIED As per RBI's Revised Norms (i.e. November 12, 2021) 2.45% 2.32% 2.38% 2.50% 1.91% 2.00% 1.50% 1.00% 0.50% 0.00% Dec-21 GROSS NPLs Mar-22 1.49% Dec-22 2.21% As at December 31, 2022 (Rs. in bn) NPLs (90 days): 88.80 Provisions Carried: 132.74 ■PROVISIONS CARRIED AS % OF EAD* As at Dec 31, NPLs 2021 2022 As at Mar 31, As at Dec 31, 2022 Individual Loans 1.44% 0.99% 0.86% Non-Individual Loans 5.04% 4.76% 3.89% Overall NPLs 2.32% 1.91% 1.49% *EAD: Exposure at Default 25

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