HDB Financial Services Limited

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(East), Mumbai - 400051 To, Listing Compliance Department BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai - 400001 Scrip Code: HDBFS Scrip Code: 544429 Sub.: Investor Prese

0.32%

consumption loans) • Granular and well seasoned loan book – Top 20 largest borrowers contribute ~0.32% of loans – Loan book seasoned across asset and macro economic cycles • Conservative liability fr

INR 100,000

subsidiary of HDFC Bank Opened first branch in Chennai Branch count crossed 100 AUM crossed INR 100,000 MM Branch count crossed 1,000 AUM crossed INR 500,000 MM CARE AAA rating for NCDs AUM cros

INR 500,000

Branch count crossed 100 AUM crossed INR 100,000 MM Branch count crossed 1,000 AUM crossed INR 500,000 MM CARE AAA rating for NCDs AUM crossed INR 1 Trillion Listed on Stock exchanges NSE: HDBFS

INR 1

Branch count crossed 1,000 AUM crossed INR 500,000 MM CARE AAA rating for NCDs AUM crossed INR 1 Trillion Listed on Stock exchanges NSE: HDBFS BSE: 544429 2007 2008 2010 2011 2012 2016 20

rs 2

inancial Services Presentation Q1 FY2026 8 Section 2 Executive Summary Q1FY26 1 Key Parameters 2 Key Highlights – Q1FY26 HDB Financial Services Presentation Q1 FY2026 • 179 Key Parameters – Q1

₹ 1,09,342

HDB Financial Services Presentation Q1 FY2026 • 179 Key Parameters – Q1 FY26 Total Gross Loans ₹ 1,09,342 Cr Net Interest Margin: 7.7% Q1 PAT ₹ 568 Cr Gross NPA: 2.56% Net NPA : 1.11% Return on Assets:

7.7%

Q1 FY2026 • 179 Key Parameters – Q1 FY26 Total Gross Loans ₹ 1,09,342 Cr Net Interest Margin: 7.7% Q1 PAT ₹ 568 Cr Gross NPA: 2.56% Net NPA : 1.11% Return on Assets: 1.9% Return on Equity : 13.2

₹ 568

179 Key Parameters – Q1 FY26 Total Gross Loans ₹ 1,09,342 Cr Net Interest Margin: 7.7% Q1 PAT ₹ 568 Cr Gross NPA: 2.56% Net NPA : 1.11% Return on Assets: 1.9% Return on Equity : 13.2% Earnings/shar

2.56%

Q1 FY26 Total Gross Loans ₹ 1,09,342 Cr Net Interest Margin: 7.7% Q1 PAT ₹ 568 Cr Gross NPA: 2.56% Net NPA : 1.11% Return on Assets: 1.9% Return on Equity : 13.2% Earnings/share : ₹ 7.1 Book Value

1.11%

Gross Loans ₹ 1,09,342 Cr Net Interest Margin: 7.7% Q1 PAT ₹ 568 Cr Gross NPA: 2.56% Net NPA : 1.11% Return on Assets: 1.9% Return on Equity : 13.2% Earnings/share : ₹ 7.1 Book Value/share: ₹ 225.4

1.9%

r Net Interest Margin: 7.7% Q1 PAT ₹ 568 Cr Gross NPA: 2.56% Net NPA : 1.11% Return on Assets: 1.9% Return on Equity : 13.2% Earnings/share : ₹ 7.1 Book Value/share: ₹ 225.4 1,771 Branches across

“ We aim to execute flawlessly and deliver the highest quality of service and value through simple, relevant solutions  We challenge ourselves to meet our goals and pursue excellence  We consistently strive to exceed the expectations of our customers, colleagues and stakeholders Simplicity We keep our customers, employees and stakeholders at the heart of everything we do.”

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Note

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Email ID

investorcommunications@hdbfs.com HDB/SLC/2025/1355 July 15, 2025 To, Listing Compliance Department National Stock Exchange of India Limited Exchange Plaza, Plot No C/1, Block G, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051 To, Listing Compliance Department BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai - 400001 Scrip Code: HDBFS Scrip Code: 544429 Sub.: Investor Presentation on Unaudited Financial Results for the quarter ended June 30, 2025 Dear Sir / Madam, We refer to our letter dated July 09, 2025 informing you about the earnings call with analysts and investors to be hosted by the Company at 6:30 p.m. (IST) on July 15, 2025, in this connection, please find enclosed herewith the investor presentation of Unaudited Standalone Financial Results of the Company for the quarter ended June 30, 2025. This is for your information and appropriate dissemination. Thanking you, For HDB Financial Services Limited Dipti Jayesh Khandelwal Company Secretary and Compliance

Note

1. As of June 30, 2025 HDB Financial Services Presentation Q1 FY2026 18 Customer Franchise Customer Franchise Growth New Customers Added (MM) 15.8 12.2 1.6X 19.2 20.1 Granular Loan Book… …With a Low Customer Concentration ~INR 164,000 ~0.32% Average Ticket Size of Overall Loan Book of Total Gross Loan Book from 20 Largest Customers Mar-23 Mar-24 Mar-25 Jun-25 HDB Financial Services Presentation Q1 FY2026 19 Section 4 Financial Performance Q1FY26 1 Disbursement & Total Gross Loans Mix 2 3 4 5 P&L Metrics Return Metrics Asset Quality Performance through the years HDB Financial Services Presentation Q1 FY2026 • 17 20 Disbursement and Total Gross Loans Mix Disbursements Total Gross Loans INR Crores INR Crores 16,507 15,685 16,273 42.6% 38.6% 39.2% 31.4% 32.4% 34.3% 17,643 34.8% 34.9% 15,171 45.0% 29.1% 26.0% 29.0% 26.5% 30.3% 25.9% 95,629 22.4% 98,624 22.8% 102,097 22.9% 106,878 109,342 22.7% 23.5% 37.7% 37.4% 37.6% 38.0% 37.8% 40.0% 39.8% 39.4% 39.3% 38.7% Jun-24 Sep-24 Dec-24 Mar-25 Jun-

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Email: investorcommunications@hdbfs.com HDB Financial Services Presentation Q1 FY2026 Segment P&L Statement Q1FY26 INR Crores Particulars Interest income Finance cost Net Interest Income Non Interest Income Net Income Employee cost Other Operating Expenses Total expenses Pre-Provisioning Operating Profit Credit Cost Profit Before Tax Lending BPO 3,832 1,740 2,092 330 2,422 685 349 1,033 1,388 670 719 - - - 304 304 275 15 290 14 - 14 Total 3,832 1,740 2,092 634 2,726 960 364 1,324 1,402 670 733 HDB Financial Services Presentation Q1 FY2026 46