Investor Presentation

HDB Financial Services Limited HDB House, Tukaram Sandam Marg, A - Subhash Road, Vile Parle (E), Mumbai – 400057. Web: www.hdbfs.com Tel: 022 – 4911 6350 Fax: 022 – 4911 6666 CIN: L65993GJ2007PLC051028 Email: investorcommunications@hdbfs.com HDB/SLC/2026/1499 July 15, 2026 To, To, Listing Compliance Department Listing Compliance Department National Stock Exchange of India Limited BSE Limited Exchange Plaza, Plot No C/1, Block G, Phiroze Jeejeebhoy Towers, Bandra-Kurla Complex, Bandra (East), Dalal Street, Fort, Mumbai - 400051 Mumbai - 400001 Scrip Code: HDBFS Scrip Code: 544429 Dear Sir / Madam, Sub.: Investor Presentation on Unaudited Financial Results for the quarter ended June 30, 2026 We refer to our letter dated June 26, 2026 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, 2026, in this connection, please find enclosed herewith the investor presentation of Unaudited Financial Results of the Company for the quarter ended June 30, 2026. This is for your information and appropriate dissemination. Thanking you, For HDB Financial Services Limited Dipti Jayesh Khandelwal Company Secretary and Compliance Officer Membership No. F11340 Encl.: As above Registered Office: Radhika, 2nd Floor, Law Garden Road, Navrangpura, Ahmedabad - 380 009. Q1 FY27 Earnings Presentation July 15, 2026 Presentation Path 01 03 05 07 BORROWINGS HDB SUSTAINABILITY ABOUT HDB & CAPITAL OVERVIEW INITIATIVES STRUCTURE TECHNOLOGY & EXECUTIVE FINANCIAL RISK SUMMARY – PERFORMANCE MANAGEMENT Q1FY27 – Q1FY27 FRAMEWORK 02 04 06 HDB Financial Services Presentation Q1 FY2027 Section 1 1 HDB – Snapshot 2 The Essence of HDB – Our Vision, Mission and Values About HDB 3 Our Journey HDB Financial Services Presentation Q1 FY2027 HDB – Snapshot •We are a subsidiary of HDFC Bank, which is the largest private sector bank in India •HDBFS is licensed by RBI as a Non-Banking Finance Company (“NBFC”) •Classified as an ‘Upper Layer’ NBFC •Strong and reliable financial institution which is independently funded - its long-term debt & bank facilities rated CARE AAA & CRISIL AAA, and short-term debt & commercial papers rated A1+ •Network of 1,710 branches spread across 1,165 cities and towns •Long operating track record and understanding of customer behaviour leveraged to focus on lending to underbanked and underserved customers •3 key business lines: – Enterprise Lending (small and medium businesses lending) – Asset Finance (Commercial Vehicles / Construction Equipment/ Tractor financing) – Consumer Finance (Auto, Two-wheeler and short tenor 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 We serve ‘Aspirational India’ •Conservative liability franchise built on a prudent ALM framework HDB Financial Services Presentation Q1 FY2027 The Essence of HDB … What we stand for Best in class Governance practices embedded over the years through a pedigreed parentage Focused on prudent, purposeful, resilient growth which is rooted in values Our Foundational Pillars – People | Processes | Products | Partnerships At the heart of everything we do Customers Stakeholders Employees HDB Financial Services Presentation Q1 FY2027 The Essence of HDB … Our Vision and Mission HDB Financial Services Presentation Q1 FY2027 The Essence of HDB … Our Values Integrity Collaboration Agility We ensure that the highest standard of professional We believe that success is achieved not by any one We proactively respond to the changing market conduct is embedded in every corner of the individual but by teams that work together. environment and evolving needs of our customers. organisation. It defines how we go about our   We operate in a spirit of collaboration and We strive to deliver the highest sustainable business and treat our people, customers and teamwork standards through efficient and timely execution stakeholders. We support and encourage people to use their Our speed of action reflects our readiness to We are transparent and ethical in the way we expertise and experience to solve everyday continuously improve and our openness to conduct ourselves challenges change and discovery We are honest and fair and base our   We embrace a mindset of openness and trust We are flexible and constantly look for ways to conclusions on facts that helps in breaking silos enhance efficiencies We have a strong moral code and take responsibility of our actions Respect Excellence Simplicity As we continue to increase our reach in every In our journey of becoming India’s most admired We keep our customers, employees and corner of the country, we value those who work with NBFC, we want to excel and set high standards in stakeholders at the heart of everything we do. us and the contributions that they make to our every aspect.  We focus on removing complexities business.  We aim to execute flawlessly and deliver the  We deliver solutions that are simple and relevant We respect our people’s individuality and highest quality of service and value through Our communication, policies and processes are diversity simple, relevant solutions simple to understand and easy to follow We conduct ourselves in a manner that reflects We challenge ourselves to meet our goals and the spirit of inclusion and humility pursue excellence We treat all our customers, employees and We consistently strive to exceed the stakeholders with respect and empathy expectations of our customers, colleagues and stakeholders HDB Financial Services Presentation Q1 FY2027 Our Journey Established Opened first Branch count AUM Branch count AUM AUM Listed on as branch in crossed 100 crossed INR crossed 1,000 crossed INR crossed INR Stock subsidiary of Chennai 100,000 MM 500,000 MM 1 Trillion exchanges HDFC Bank CARE AAA NSE: HDBFS rating for BSE: 544429 NCDs 2007 2008 2010 2011 2012 2016 2017 2018 2019 2020 2024 2025 u Commercial Consumer Digital d Two-wheeler Micro o Vehicle Auto Loans Durable Product r t loans finance n Loans Loans Loans c Commercial Lifestyle u Tractor d Gold Loans Equipment Finance o Loans r P Loans Loans HDB Financial Services Presentation Q1 FY2027 Section 2 1 Key Parameters Executive Summary Q1FY27 2 Key Highlights – Q1FY27 HDB Financial Services Presentation Q1 FY2027 Key Parameters – Q1 FY27 Gross Loan Book Net Interest Margin: 8.35% ₹ 1,21,846 Cr Q1 PAT Gross NPA: 2.34% ₹ 785 Cr Net NPA : 1.04% Return on Assets: 2.50% Earnings/share : ₹ 9.5 Return on Equity : 15.0% Book Value/share: ₹ 256.7 1,710 Branches across 23.9 MM Customers 1,165 Cities/ Towns HDB Financial Services Presentation Q1 FY2027 Key Highlights – Q1 FY27 (1/3) Business metrics  Customer franchise grew to 23.9 million with an increase of 18.6% Y-o-Y and 4.1% during the quarter  Gross loan book as on June 30, 2026 stood at ₹1,21,846 crores, growing 11.4% Y-o-Y and 2.8% sequentially. Secured loans comprised 74% of the Gross loan book  Disbursements for the quarter ended June 30, 2026 was ₹17,629 crores, up by 16.2% Y-o-Y and down by 11.5% Q-o-Q  Branch count stood at 1,710 spread across 1,165 cities and towns P&L Metrics  Net interest income for the quarter was ₹2,509 crores, an increase of 19.9% Y-o-Y and 4.6% Q-o-Q  Net Interest Margin for Q1FY27 was at 8.35% vs 7.74% in Q1FY26 & 8.23% in Q4FY26  Cost to Income ratio for lending business was 39.9% in Q1FY27 as compared to 42.7% in Q1FY26 & 39.5% in Q4FY26 HDB Financial Services Presentation Q1 FY2027 Key Highlights – Q1 FY27 (2/3) P&L Metrics (contd…)  Credit Cost for the quarter was ₹697 crores as against ₹670 crores for the quarter ended June 30, 2025 and 685 crores for the prior quarter  Profit after tax for the quarter ended June 30, 2026 was ₹785 crores as against ₹568 crores for the quarter ended June 30, 2025 and ₹751 crores for the prior quarter Asset Quality  Gross Stage 3 as at June 30, 2026 was 2.34% as against 2.56% a [Showing first 8,000 characters — download PDF for full document]