Banking Lifecycle

Enterprise Finance ■ Unsecured Business Loan ■ Loans against Lease Rentals ■Loans Against Property ■ Working Capital Loans ■ Construction Equipment Loans Digital Loans Consumer Durable Loans ■ Microfinance ■ Personal Loans SUBSIDARY HDB Financial Services: financing the underbanked RBI-licensed NBFC focussed on underbanked customers in under- served markets - capitalising on opportunities beyond the Bank's appetite Offerings directed at the financing needs of "Bharat" Asset Finance Tractor Loans HDFC BANK Key Metrics FY22 FY23 YOY AUM (Rs. bn) 614 701 +14% Net Revenue (Rs. bn) PAT (Rs. bn) 80 89 +11% 10 20 +94% No. of customers (mn) 9.1 11.9 +31% Consumer Finance ROE 11.2% 18.7% +750 bps ROA 1.6% 3.1% +150 bps ■ Commercial Vehicle Loans ■ Gold Loans ▪ Auto Loans EPS (Rs.) BV (Rs.) 13 25 +93% 121 145 +20% Fee-based Products ■ General Insurance ■ Health Insurance ■ Life Insurance ■ Home Assure Also provides collections services and back-office support to the Bank ■ ■ Key Strengths Strong Distribution Model: pan-India, regionally diversified reach ✓ 1,492 branches across 1,054 cities: over 80% outside of top-20 centres Focus on underbanked customers: ~15% of the Loan book as of March'23 consist of customers new-to-credit Deep understanding of customer behaviour: experienced multiple loan cycles across products through 15-year vintage ■ Granular balance sheet: 20 largest borrowers constitute 0.5% of loan book 59 HDFC Bank Presentation, May 2023 HDB 2EBAICE 2 ЕТИМИСІѴГ

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