HOMELOANS

WHO WE ARE…

Not just a name......
● ● ● ● ● ●

Not just another company Not just another group of people Not an exploiting machine Not a splash in a pan Not a one time wonder And most importantly not a name that needs any explanation or undue marketing gimmicks

• Incorporated in 1977 as the first specialised mortgage company in India • Now a Financial Conglomerate with interests beyond mortgages:
HDFC

72.26% HDFC Standard Life

60% HDFC Asset Management

(inclusive of warrants)

23.26% HDFC Bank

74% HDFC ERGO General Insurance

100% HDFC Property Ventures

80.5% HDFC Venture Capital

• 75% shares held by Foreign Investors

Our Group Companies
HDFC LTD - OCTOBER 17, 1977 HDFC BANK LTD - FEBRUARY 18, 1995 HDFC REALTY LTD - MARCH 2000 HDFC AMC LTD - AUGUST 2000 HDFC STANDARD LIFE INSURANCE CO. LTD OCTOBER , 2000 HDFC SECURITIES - NOVEMBER 2000 INTELENET - SEPTEMBER 2000 CIBIL HDFC CHUBB GENERAL INSURANCE LTD - 2003

CONTINUING GROWTH MOMENTUM
LOAN APPROVALS & DISBURSEMENTS

(H1-FY09)
241.8
250 200

189.48 147.29 112.80 142.75

177.88

Rs. in billion

150 100 50 0

H1-FY07

H1-FY08

H1-FY09

LOANS APPROVED

LOANS DISBURSED

HDFC is seen from differnent angles by.....
CUSTOMERS

EMPLOYEES

As for the customers they consider HDFC to be :● ● ● ●

A Trusted Organization Which is Transparent in its operations Quality services in terms of time,knowledge. The only organization which thinks that we should have our own Homes, being a sole loan product company Organisation that provides for getting your work done by making few key punches from comfort of your home,i.e., using INTERNET

Types of Products offered :* Home Loan for Construction and Purchase * Home Improvement Loan * Home Extension Loan * Top up Loan (Only for Existing
customer)

* Land Loan * NRP Loans for professionals * Equity Loan

VALUE ADDED SERVICES OFFERED BY HDFC :• Doorstep Services • No Prepayment Charges • No charges for IT certificates & loan outstanding statement. • In house Legal and Technical Team • Funding over 240 cities across the country • Subsequent loans on same property • 100% Housing finance company • Individual access of Loan A/C through Internet (continued.)

(continued) • Sound Infrastructure for Safe Custody of Property Documents • Tranching - Commencement of EMI from day one (resulting in savings of PRE-EMI interest) • Assistance in locating property. • Modes of payment(Post Dated cheques/salary deduction/ ECS ) • File transfer to other office free of cost. • Flexibility regarding place of application/service with regards to property location.

Following in the footsteps of HDFC culture....

We have to look beyond the BEAUTIFUL HORIZON that we are currently seeing By doing introspection we can become a RAINBOW in the sky of Financial Institutions that are in troubled water's for the time being

Key Associates and Subsidiaries

• • • ADRs listed on NYSE • In February 2008, HDFC Bank board approved the merger with Centurion Bank of Punjab {CBOP} (1 share of HDFC Bank for 29 shares of CBOP) • 1,412 branches, 528 cities, 2,890 ATMs • Over 12 million customer accounts • Key business areas – Wholesale banking Retail banking Treasury operations • Financials (as per Indian GAAP) for the half year ended Sept 30, 2008 – Total net revenues: Rs 48.26 bn, increase of 51% over previous year – PAT: Rs 9.92 bn, increase of 44% over the previous year

HDFC BANK 23.26% owned by HDFC (inclusive of warrants) HDFC BANK Market Cap US $ 11 billion

HDFC Standard Life Insurance Company Ltd. (HDFC-SL)
Structure Strong and stable partnership Tie up with Standard Life Assurance Company, U.K. HDFC holds 72.26% of the equity of HDFC-SL Products Diversified product portfolio covering all life stages and needs Offers 20 individual products and 5 group plans along with 5 optional riders Offers 8 fund options with market linked products Premium income and growth Values driven growth Total premium income of Rs. 48.59 bn for FY 07-08 (Previous year Rs 28.56 bn); reflecting a growth of 70% Q1 08-09 growth in total premium of 34% over Q1 07-08 Funds under management of group new business increased by 8% in as at June 30, 2008 as against the previous year

HDFC Standard Life Insurance Company Ltd. (HDFC-SL)
Coverage Committed to increasing coverage in an under-insured market Achieved a total sum assured of Rs. 33.12 bn in respect of 0.25 million lives covered in Q1 09 taking the cumulative sum assured to Rs. 907.5 bn covering over 3.66 million lives Claims other than withdrawals/surrenders amounted to Rs 0.09 bn in Q1 09 Distribution Diversified distribution network to cater to customer preference HDFC network is used to cross sell by offering customized products Operates out of 575 offices across the country serving over450 locations Network of over 1,62,000 financial consultants, 379 corporate agents and other sales intermediaries Market share Market share of 7.3% (private sector) and 4.7% (overall) in terms of Effective Premium in Q1 09

HDFC Standard Life Insurance Company Ltd. (HDFC-SL)

Key performance indicators and business practices A diversified distribution mix including the tied agency and alternate channels - banks, brokers, telemarketing, direct sales force Tied agency contributed 64% effective premium in Q1 09 Strong bancassurance tie-ups with public, private, co-operative and foreign banks Amongst the leading players in the pensions segment Leveraging technology to strengthen processes Workflow system awarded the best technology innovation Web based facility to service customers and channel partners

HDFC ASSET MANAGEMENT
• • • • • • Tie-up with Standard Life Investments (SLI) HDFC holds 60% of HDFC Asset Management HDFC MF offers 34 equity and debt oriented products Earned a Profit After Tax of Rs 1.18 billion for FY08; Return on Equity: 75% Paid a dividend of 150% for FY08 to equity shareholders Total assets under management (AUM) as at September 30, 2008, stood at Rs. 647 bn which is inclusive of portfolio management and advisory services of Rs. 170 bn • Equity assets as a proportion of the mutual fund’s AUM is 35%

HDFC PROPERTY FUND
• Launched in March 2005 • First Scheme: HDFC India Real Estate Fund
– Fund corpus : US $ 250 million – fully invested – Domestic, 7 year close ended fund – Funds managed by HDFC Venture Capital Limited

• HDFC International Fund
– Fund Corpus: US$ 800 million – International, 9 year close ended fund – Targeted at premier institutions and funds across the world interested in taking an exposure in Indian real estate

HDFC ERGO GENERAL INSURANCE COMPANY LTD.

• •

• • • •

HDFC holds 74% and ERGO (Germany) holds 26% The company offers Auto Insurance, Home Insurance, Group Accident Insurance, Group Travel Insurance, Commercial Insurance which includes Fire and Marine and Specialty Insurance Products like Directors & Officers Liability Achieved Gross Written Premium of Rs. 2.4 bn Operates out of 28 locations across the country HDFC network is used to cross sell Home Insurance & Accident Insurance HDFC and HDFC Bank database is used to cross sell Accident Insurance

CONSOLIDATED EARNINGS
(As at March 31, 2008)

HDFC Consolidated

Return on Equity Return on Average Assets Earnings per share (Rs) Total Assets (Rs in billion)

27.8% 2.7% 85 810.99

28.2% 2.7% 95 27.13 925.83

Profit After Tax (Rs in billion) 24.36

AWARDS & ACCOLADES
• • HDFC ranked among the top 3 Best Managed Companies in India by Finance Asia in 2007 Selected as the best Indian company in the FIs / NBFCs / Financial Services sector at the Dun & Bradstreet – American Express Corporate Awards 2006 and 2007 • • Best Investment Management Company in India by EUROMONEY 2007 HDFC is featured in the Limca Book of Records 2006, for the landmark achievement of Rs. One trillion in home loan approvals • HDFC was awarded the Gold Shield in the Finance Sector by ICAI for excellence in Financial Reporting in 2005. This is the 14th time HDFC has been selected for this award. • • • HDFC has been awarded the 'Business Superbrand' status. HDFC has been awarded the 'Best Home Financier' title by Outlook Money – 2005 Economic Times Corporate Citizen of the Year Award - November 2004

Thank You

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