HDFC Bank's Investor Presentation

Investor Presentation

April 2022

HDFC Bank at a glance

Prominence

Market share

Reach

Social impact

#1

11.2%

>70 Mn

?737 cr

Advances^

Customer base

CSR spend

US$ 100 + bn

9.5%

6.3K +

> ?45K cr

Market capitalisation

Deposits

Banking branches

Contribution to exchequer

21K +

50%

Private sector bank in India*

140K +

46%

Employees

Acquiring volumes^^

Banking outlets

Branches in semi-urban

and rural

23%

> 3 Mn

15K +

Credit cards in

force (volume)^^

Merchant acceptance points

CSC - BCs

#1

Among BrandZ Top 75 most

valuable Indian brand in 2020

(seventh consecutive year)#

terms of asset size | #Released by WPP and Kantar| ^Domestic | ^^Feb¡¯22

CSC - BCs: Customer Service Centre ¨C Business Correspondents | SLI: Sustainable Livelihood Initiative

Unless otherwise stated, information is as at or for the year ended March 2022

*in

Key highlights for the quarter

Gross advances increased by

20.7% to ? 13,805 Bn

Net profit up by 22.8% to

Deposits up by 16.8% to

?15,592 Bn; CASA 48%

Gross NPA 1.17% of gross

advances

Net interest margin^ at

4.2%

Net NPA 0.32% of net

Cost-to-income ratio at

38.3%

? 100.55 Bn

advances

Capital adequacy ratio of

18.9% of which Tier I at

17.9%

Standalone Indian GAAP figures (Bn = Billion); ? - Rupees; Net NPA = Gross NPA less specific loan loss provisions; ^interest earning assets, based on assets at 4.0%

Network, customers and people

Strong national footprint

Customers and people

62

69

71

Dec'21

Mar'22

6K+ branches

50% Semi-urban and Rural branches

15K+ CSCs & BCs

Mar'21

# of customers (Mn.)

1,34,412

5,608

5,779

Mar'21

Dec'21

Branches

563 branches added in Q4¡¯22

734 branches added in FY¡¯22

6,342

1,20,093

Mar'22

Mar'21

Dec'21

1,41,579

Mar'22

# of employees

Profit per employee of Rs. 0.28 crore in FY¡¯22

Business per employee of Rs. 20.25 crore in FY¡¯22

Executed business growth

Loans

Deposits

Rs. Bn.

2.5x

13,805

15,592

2.8x

2.6x

5,586

6,436

1,969

498

Mar'07

2,467

Mar'12

Mar'17

683

Mar'22

Mar'07

Mar'12

Mar'17

13,805

12,722

Mar'22

Rs. Bn.

Rs. Bn.

11,433

Rs. Bn.

2.4x

13,351

15,592

14,459

21%

17%

Mar'21

14%

Dec'21

Gross loans

Mar'22

YoY%

Net incremental loans: Rs. 2,37,206 crore in FY¡¯22

39% retail loans ; 35% CRB loans; 26% wholesale loans at Mar¡¯22

~Loans market share 2.4% in 2007; 3.9% in 2012; 6.8% in 2017 and 11.2%^ in 2022

^Domestic

17%

16%

14%

Mar'21

Dec'21

Deposits

Mar'22

YoY%

Net incremental deposits: Rs. 2,24,157 crore in FY22

New liability relationships added: 2.4 mn in Q4¡¯22; 8.7 mn in FY¡¯22

~Deposits market share 2.5% in 2007; 3.8% in 2012; 5.8% in 2017 and 9.5% in 2022

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