HDB Financial Services Limited

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HDBFS Dear Sir / Madam, To, Listing Compliance Department BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai - 400001 Scrip Code: 544429 Sub.: Investor Presentation on Unaudited

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

₹ 1,11,409

HDB Financial Services Presentation Q2 FY2026 • 179 Key Parameters – Q2 FY26 Total Gross Loans ₹ 1,11,409 Cr Net Interest Margin: 7.9% Q2 PAT ₹ 581 Cr Gross NPA: 2.81% Net NPA : 1.27% Return on Assets:

7.9%

Q2 FY2026 • 179 Key Parameters – Q2 FY26 Total Gross Loans ₹ 1,11,409 Cr Net Interest Margin: 7.9% Q2 PAT ₹ 581 Cr Gross NPA: 2.81% Net NPA : 1.27% Return on Assets: 1.9% Return on Equity : 12.2

₹ 581

179 Key Parameters – Q2 FY26 Total Gross Loans ₹ 1,11,409 Cr Net Interest Margin: 7.9% Q2 PAT ₹ 581 Cr Gross NPA: 2.81% Net NPA : 1.27% Return on Assets: 1.9% Return on Equity : 12.2% Earnings/shar

2.81%

Q2 FY26 Total Gross Loans ₹ 1,11,409 Cr Net Interest Margin: 7.9% Q2 PAT ₹ 581 Cr Gross NPA: 2.81% Net NPA : 1.27% Return on Assets: 1.9% Return on Equity : 12.2% Earnings/share : ₹ 7.0 Book Value

1.27%

Gross Loans ₹ 1,11,409 Cr Net Interest Margin: 7.9% Q2 PAT ₹ 581 Cr Gross NPA: 2.81% Net NPA : 1.27% Return on Assets: 1.9% Return on Equity : 12.2% Earnings/share : ₹ 7.0 Book Value/share: ₹ 233.1

1.9%

r Net Interest Margin: 7.9% Q2 PAT ₹ 581 Cr Gross NPA: 2.81% Net NPA : 1.27% Return on Assets: 1.9% Return on Equity : 12.2% Earnings/share : ₹ 7.0 Book Value/share: ₹ 233.1 1,749 Branches across

12.2%

7.9% Q2 PAT ₹ 581 Cr Gross NPA: 2.81% Net NPA : 1.27% Return on Assets: 1.9% Return on Equity : 12.2% Earnings/share : ₹ 7.0 Book Value/share: ₹ 233.1 1,749 Branches across 1,157 Cities/ Towns 21.0

Notes

1

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1

Notes

(1) Holdings as on 30th Sept-2025 (2) Institutional Investors include MFs, Insurance Cos, FPIs, AIFs & Pension Funds Baillie Gifford Morgan Stanley BNP Paribas Blackrock Amundi Funds HDB Financial Services Presentation Q2 FY2026 36 Section 6 1 Technology Stack 2 Digital Capability Technology & Risk Management Framework 3 Risk Management Framework HDB Financial Services Presentation Q2 FY2026 • 17 37 Technology Stack l a n r e t n I d e t n e i r O s s e c o r P r e m o t s u C g n i c a F l a n r e t x E m e t s y s o c E Engagement Underwriting Documentation Documentation Verification & Disbursement Servicing Reducing Onboarding Time And Improving “Through The Gate” Quality Enhanced Underwriting Capabilities By Larger Universe Of Data Points Minimizing Need For Customer To Provide Documents Faster & Safer Collections By Directly Accessing Customer Bank Accounts Centralized view of the customer improving customer service Robust Rule Engine Driver License, NPCI Setu Video KYC and CKYC,

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Email: investorcommunications@hdbfs.com HDB Financial Services Presentation Q2 FY2026 Segment P&L Statement H1 FY26 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 7,718 3,434 4,284 669 4,953 1,364 699 2,063 2,890 1,418 1,472 - - - 624 624 554 28 582 43 - 43 Total 7,718 3,434 4,284 1,293 5,577 1,918 727 2,644 2,933 1,418 1,515 HDB Financial Services Presentation Q2 FY2026 49