Investor Presentaiton

Operational & Financial Highlights: Mortgages HDFC EXPECTED CREDIT LOSS (ECL) BASED ON EXPOSURE AT DEFAULT (EAD) As per IND AS Gross Stage 1 ECL Provision Stage 1 Sep-21 Rs bn Mar-21 Sep-20 4,752.19 4,540.29 4,404.30 14.05 10.87 13.16 Net Stage 1 4,738.14 4,529.42 4,391.14 Coverage Ratio % Stage 1 0.30% 0.24% 0.30% Gross Stage 2 321.46 315.47 233.13 ECL Provision Stage 2 48.09 58.81 Net Stage 2 273.37 256.66 59.05 174.08 Coverage Ratio % Stage 2 15% 19% 25% Gross Stage 3 129.93 ECL Provision Stage 3 71.26 116.32 60.57 103.70 50.83 Net Stage 3 58.67 55.75 52.87 Coverage Ratio % Stage 3 55% 52% 49% EAD 5,203.58 4,972.08 4,741.13 ECL Provision 133.40 130.25 123.04 Net 5,070.18 4,841.83 4,618.09 ECL/EAD 2.56% 2.62% 2.60% Note: Loans under the one-time restructuring framework due to COVID-19 stress are classified under Stage 2. 21

View entire presentation