Investor Presentation

HDB Financial Services (HDBFS) delivered a strong Q3 FY26. **Business Performance:** Profit After Tax (PAT) surged 45.2% YoY to ₹686 Cr (excluding new labor codes impact). Total Gross Loans grew 12.2% YoY to ₹1,14,577 Cr, with Net Interest Income up 22.1% YoY to ₹2,285 Cr.

Net Interest Margin stood robust at 8.09%. The customer base expanded by 19.3% YoY to 22.0 million.

Asset quality remained stable with Gross NPA at 2.81% QoQ, and Cost-to-Income improved to 39.5%. **Growth Drivers:** HDBFS continues its focus on 'Aspirational India' through its diversified product portfolio, including Enterprise Lending, Asset Finance, and Consumer Finance.

Expansion into Tier-2+ markets, with 71% of its 1,744 branches in Tier 4+ towns, drives reach.

Digital initiatives like the "HDB OnTheGo" app enhance customer engagement. **Key Financial Metrics:** Earnings per share (EPS) was ₹7.8, Return on Assets (RoA) 2.35%, and Return on Equity (RoE) 14.0%. **Management Commentary / Outlook:** A strong, diversified liability base and robust capital position (CRAR 21.81%) support future growth, enabling the company to fund expansion plans effectively.