HDB Financial Services Limited

rs,

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 Audited St

0.30%

consumption loans) • Granular and well seasoned loan book – Top 20 largest borrowers contribute ~0.30% 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

₹ 1,18,493

6 HDB Financial Services Presentation Q4 FY2026 • 179 Key Parameters – Q4 FY26 Gross Loan Book ₹ 1,18,493 Cr Net Interest Margin: 8.2% Q4 PAT ₹ 751 Cr Gross NPA: 2.44% Net NPA : 1.09% Return on Assets:

8.2%

on Q4 FY2026 • 179 Key Parameters – Q4 FY26 Gross Loan Book ₹ 1,18,493 Cr Net Interest Margin: 8.2% Q4 PAT ₹ 751 Cr Gross NPA: 2.44% Net NPA : 1.09% Return on Assets: 2.48% Return on Equity : 14.

₹ 751

• 179 Key Parameters – Q4 FY26 Gross Loan Book ₹ 1,18,493 Cr Net Interest Margin: 8.2% Q4 PAT ₹ 751 Cr Gross NPA: 2.44% Net NPA : 1.09% Return on Assets: 2.48% Return on Equity : 14.8% Earnings/sha

2.44%

s – Q4 FY26 Gross Loan Book ₹ 1,18,493 Cr Net Interest Margin: 8.2% Q4 PAT ₹ 751 Cr Gross NPA: 2.44% Net NPA : 1.09% Return on Assets: 2.48% Return on Equity : 14.8% Earnings/share : ₹ 9.0 Book Valu

1.09%

ss Loan Book ₹ 1,18,493 Cr Net Interest Margin: 8.2% Q4 PAT ₹ 751 Cr Gross NPA: 2.44% Net NPA : 1.09% Return on Assets: 2.48% Return on Equity : 14.8% Earnings/share : ₹ 9.0 Book Value/share: ₹ 248.9

2.48%

r Net Interest Margin: 8.2% Q4 PAT ₹ 751 Cr Gross NPA: 2.44% Net NPA : 1.09% Return on Assets: 2.48% Return on Equity : 14.8% Earnings/share : ₹ 9.0 Book Value/share: ₹ 248.9 1,730 Branches across

14.8%

.2% Q4 PAT ₹ 751 Cr Gross NPA: 2.44% Net NPA : 1.09% Return on Assets: 2.48% Return on Equity : 14.8% Earnings/share : ₹ 9.0 Book Value/share: ₹ 248.9 1,730 Branches across 1,161 Cities/ Towns 22.9

Excluding Impact of the New Labour Codes

1

Notes

1

For More Information please contact

1

Excluding Impact of the New Labour Codes

Pre-Provisioning Operating Profit Profit Before Tax – Lending Profit After Tax 634 687 18 173 531 1,320 687 531 3,989 1,704 2,285 378 2,663 750 359 1,109 1,555 712 842 18 216 644 1,611 898 686 4,081 1,682 2,399 371 2,769 709 385 1,094 1,675 685 991 21 261 751 1,675 991 751 INR Crores QoQ 3.4% 2.3% -1.3% 5.0% -2.0% 4.0% -5.4% 7.1% -1.3% 7.8% -3.9% 17.6% 14.3% 20.4% 16.6% 4.0% 10.3% 9.4% YoY 10.9% 12.6% 1.9% 21.6% 9.1% 19.8% 7.5% 16.0% 10.3% 26.9% 8.0% 44.3% 16.8% 50.3% 41.4% 26.9% 44.3% 41.4% FY25 FY26 1,06,878 1,18,493 13,836 15,788 6,390 7,446 1,248 8,693 2,528 1,195 3,724 4,970 2,113 2,857 71 752 2,176 4,970 2,857 2,176 6,820 8,968 1,417 10,386 2,823 1,443 4,266 6,120 2,815 3,305 81 842 2,544 6,176 3,361 2,586 YoY 10.9% 14.1% 6.7% 20.4% 13.6% 19.5% 11.7% 20.7% 14.6% 23.1% 33.2% 15.7% 13.9% 12.0% 16.9% 24.3% 17.7% 18.8% HDB Financial Services Presentation Q4 FY2026 23 Segment P&L Statement FY26 INR Crores Particulars Interest income Finance cost Net Interest Income Non Interest Income

Notes

(1) Holdings as on 31st Mar-2026 (2) Institutional Investors include MFs, Insurance Cos, FPIs, AIFs & Pension Funds Top Institutional Holdings: Domestic ICICI Prudential MFs Kotak MFs Mirae MFs Nippon MFs SBI MFs Top Institutional Holdings: Foreign Vanguard Baillie Gifford Daiwa Asset Management Government Pension Fund Global Mirae Group HDB Financial Services Presentation Q4 FY2026 39 Section 6 1 Technology Stack 2 Digital Capability Technology & Risk Management Framework 3 Risk Management Framework HDB Financial Services Presentation Q4 FY2026 • 17 40 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 A