Banking Lifecycle

SIGNIFICANT OPPORTUNITIES FOR THE BANK Balance sheet complementary tenor opportunity Long tenor mortgage makes the customer sticky Enables enhanced products cross sell Tenor by product Credit Card 30 Days Personal Loan ~2 Years 2W Loan ~1 Year Auto ~4 Years Opportunity to cross sell unsecured, lower tenor, profitable credit during the repayment lifecycle Loan Home ~20 Years (1) Loan Term Long tenor product on the liability side Deposit Savings Deposit Asset Tenor Liability Tenor Perpetual HDFC BANK Better visibility of customer enhances risk assessment framework, aiding further cross sell opportunities 45 HDFC Bank Presentation, May 2023 (1) Maximum tenor

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