This is a presentation based on Housing Development Finance Corporation Limited (HDFC) of India gives HDFC a snapshot of, the Indian mortgage market, operational and financial highlights, and key subsidiaries and associates.

Home Loan Strengths
• Low average loan to value ratio and income to installment ratios
• Post-dated cheques obtained from most customers or deduction at source arrangements with employers
• Steady level of prepayments Operational and Financial Highlights 25
• Quality underwriting with experience of over 30 years Corporate Strengths
• Strong brand customer base of 3.5 million
• Stable and experienced management the average tenor of senior management in HDFC is over 25 years
• High service standards
• Low cost-income ratio: 7.9%