Washington, D.C. 20549 Form 6-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of July 2022 Commission File Number 001-15216 HDFC BANK LIMITED (Translation of registrant's name into English) HDFC Bank House, Senapati Bapat Marg, Lower Parel, Mumbai. 400 013, India (Address of principal executive office) Indicate by check mark whether the registrant files or will file annual reports un ...

HDFC Bank Limited (NYSE:HDB) Q3 2022 Results Conference Call January 15, 2022 6:30 AM ET Company Participants Srinivasan Vaidyanathan - Chief Financial Officer Conference Call Participants Mahrukh Adajania - Elara Capital Alpesh Mehta - IIFL Securities Suresh Ganapathy - Macquarie Operator Ladies and gentlemen, good evening, and welcome to HDFC Bank Limited's Q3 FY'22 Earnings Conference Call on the financial results presented by the management of HDFC Bank. As a reminder, all participants' lines will be in ...

Company Strategy and Services - The company aims to be the preferred provider of financial services across metro, urban, semi-urban, and rural markets in India[27] - The retail banking segment includes deposit products, loans, credit cards, and insurance products, while wholesale banking offers financing products and investment banking services[28] - The company's treasury operations manage the balance sheet and include advisory services related to foreign exchange and derivative transactions[28] - The non-banking finance company subsidiary, HDB Financial Services Limited, offers a wide range of loans and asset finance products[28] - The company provides brokerage accounts through HDFC Securities Limited, which is one of the leading stock brokerage companies in India[28] - The company utilizes advanced technology platforms and superior execution to deliver high-quality services[27] - The company’s strategy includes providing a comprehensive range of financial products and services through multiple distribution channels[27] Economic Overview - Global growth slowed to 2.8% in 2019, with a further decline of 3.3% in 2020 due to the COVID-19 pandemic[29] - The IMF projects global GDP growth at 6% in 2021, with China and the United States expected to grow at 8.4% and 6.4%, respectively[29] - India's GDP contracted by 7.3% in fiscal 2021 compared to a growth of 4.0% in the prior year[30] - The fiscal deficit for fiscal 2021 was 9.3% of GDP, revised from a previous target of 3.5%[35] Financial Performance - HDFC Bank's net income increased from Rs. 260.3 billion in fiscal 2020 to Rs. 326.0 billion in fiscal 2021, representing a growth of 25.3%[36] - HDFC Bank's total assets grew from Rs. 15,961.9 billion as of March 31, 2020 to Rs. 17,979.8 billion as of March 31, 2021, an increase of 12.7%[36] - The bank's return on equity improved from 15.1% in fiscal 2020 to 16.1% in fiscal 2021[36] - The average cost of funds for HDFC Bank was 3.6% for fiscal 2021[36] - HDFC Bank's net interest margin was 4.4% in fiscal 2021, down from 4.6% in fiscal 2020[45] Branch and Customer Base - HDFC Bank had 5,608 branches and 16,087 ATMs/CDMs as of March 31, 2021, serving over 61.9 million customers[36] - As of March 31, 2021, the bank had 5,608 branches and 16,087 ATMs/CDMs across 2,902 cities and towns, with a focus on expanding in rural and semi-urban areas[51] - The bank operates 5,608 branches and 16,087 ATMs/CDMs across 2,902 cities and towns as of March 31, 2021, with plans for further expansion[69] Retail Banking Insights - Retail banking contributed Rs. 567,389.2 million (72.5%) to net revenues for the year ended March 31, 2021, while wholesale banking and treasury operations contributed 25.4% and 2.1%, respectively[67] - The bank's retail loans included 31.2% unsecured loans, which made up 65.0% of gross loans as of March 31, 2021[70] - The bank's auto loans accounted for 12.3% of total retail assets, valued at Rs. 964,053.2 million (US$ 13,180.9 million) as of March 31, 2021[72] - The bank's housing loans were valued at Rs. 702,235.5 million (US$ 9,601.3 million), representing 9.0% of total retail assets as of March 31, 2021[72] - The bank had approximately 15.0 million credit cards outstanding as of March 31, 2021, showing growth from 14.5 million the previous year[75] Technology and Digital Banking - The bank has implemented significant upgrades to its technology infrastructure to mitigate risks of outages, including tripling the capacity for unified payment interface (UPI) and doubling the capacity for net banking and mobile banking[77] - The mobile banking application is designed for efficient banking management, enabling functions such as money transfers and account management[154] - The internet banking platform allows customers to perform most banking transactions online, ensuring high security standards[155] - PayZapp offers a comprehensive digital payment solution for various transactions, including bill payments and loan applications[156] - Approximately 85% of the company's transactions are conducted on electronic platforms, reflecting a strong demand for digital banking services[128] Risk Management - The bank's gross non-performing customer assets at 1.70% of total customer assets as of March 31, 2021, indicating strong asset quality[55] - Credit decisions are primarily based on cash-flow assessments, with a significant portion of credit facilities secured by collateral[187] - Regular monitoring of accounts includes customer calls, plant visits, and credit reviews to detect early warning signals of credit quality deterioration[189] - Market risk management involves monitoring variables such as interest rates, credit spreads, and foreign exchange rates, with a focus on maintaining risk within appetite limits[192] - Liquidity risk is managed through both flow and stock approaches, tracking cash flow mismatches and measuring critical liquidity ratios[208] Corporate Social Responsibility - The bank aims to plant 2.5 million trees by the end of fiscal 2025, having already planted 1.6 million, as part of its ESG initiatives[57] Wholesale Banking - The wholesale banking products target leading private businesses and public sector enterprises, applying comprehensive credit risk policies[184] - The Wholesale Credit Group is responsible for managing credit exposure limits, which are reviewed annually or more frequently[186] - Total gross commercial loans reached Rs. 4,214,885.3 million as of March 31, 2021, with credit substitutes totaling Rs. 547,276.9 million[115] Customer Engagement and Services - The relationship managers in private and premium banking programs distribute mutual funds and insurance products, contributing to customer engagement[104] - The company has over 5.6 million customers engaged through virtual relationship management, utilizing AI technologies for customer service[159] - The company has begun implementing APIs across all products and services, enhancing customer experience and encouraging developer innovation[163]

Economic Overview - The Indian economy's GDP at current market prices was estimated at Rs. 203.4 trillion for fiscal 2020, up from Rs. 189.7 trillion for fiscal 2019, indicating growth [30]. - India attracted approximately US$ 73.45 billion in foreign direct investment (FDI) in fiscal 2020, compared to US$ 62.0 billion in fiscal 2019 and US$ 60.9 billion in fiscal 2018 [30]. - The ease of doing business ranking for India improved by 14 places to 63rd out of 190 countries in 2019, marking it as one of the top ten improvers year-on-year [30]. Currency and Economic Conditions - The Indian rupee depreciated by 6.3 percent against the US dollar in fiscal 2019, with a range between Rs. 74.4 per US$ 1.00 and Rs. 64.85 per US$ 1.00 [20]. - In fiscal 2020, the rupee ranged between a high of Rs. 76.37 per US$ 1.00 and a low of Rs. 68.40 per US$ 1.00, reflecting weak global demand and low domestic economic growth [20]. - The bank's financial conditions are significantly influenced by general economic conditions in India, which is one of the largest economies globally [30]. Banking Operations and Strategy - The bank's strategy focuses on providing a comprehensive range of financial products and services through multiple distribution channels, emphasizing high-quality services and advanced technology [28]. - The bank's principal business activities include retail banking, wholesale banking, and treasury operations, with a wide array of products and services offered [29]. - The bank aims to be the preferred provider of financial services across metro, urban, semi-urban, and rural markets in India [28]. Financial Performance - The company's total assets increased from Rs. 13,280.1 billion as of March 31, 2019, to Rs. 15,961.9 billion as of March 31, 2020, reflecting a growth of approximately 12.7% [36]. - Net income rose from Rs. 220.1 billion for fiscal 2019 to Rs. 260.3 billion for fiscal 2020, representing an increase of about 18.2% [36]. - The return on equity for fiscal 2020 was 15.1%, compared to 15.5% in fiscal 2019 [36]. Asset Quality and Loans - The gross non-performing customer assets as a percentage of total customer assets was 1.43% as of March 31, 2020, while net non-performing customer assets constituted 0.52% [36]. - As of March 31, 2020, retail loans accounted for 66.3% of the company's gross loans, with unsecured loans making up 32.9% of the retail loan portfolio [72]. - Personal loans and credit cards constituted 26.8% of the total retail loan value, amounting to Rs. 1,920,601.6 million (US$ 25,475.5 million) [74]. Digital Banking and Technology - The company has implemented a digital banking platform, Backbase, to enhance customer experience across multiple channels [47]. - The company is focused on developing new technology and improving digital aspects of its business, including applications like SmartBuy and PayZapp [48]. - The company has developed more than 150 APIs for partners since expanding into API banking in 2018, enhancing its digital offerings [54]. Customer Engagement and Services - The company has over 5.6 million customers engaged through virtual relationship management (VRM) and has implemented AI technologies through its virtual assistant EVA [49]. - The company provides telephone banking services in 2,803 cities and towns as of March 31, 2020 [151]. - The mobile banking application is designed to enhance customer experience with secure access and multiple features [152]. Infrastructure and Expansion - The company has invested Rs. 103 trillion in infrastructure development over the next five years as part of the Indian Union Budget for fiscal 2021 [34]. - The company plans to continue expanding its banking outlet and ATM network, subject to regulatory guidelines [71]. - As of March 31, 2020, the company had 5,416 banking outlets and 14,901 ATMs/CDMs across 2,803 cities and towns, with an additional 5,379 banking outlets managed by CSCs [52]. Regulatory Compliance and Risk Management - The Bank's exposure limit for a single borrower is set at 20.00% of the Tier 1 capital base, with potential exceptional increases up to 25.00% with Board approval [174]. - The Bank employs a three-tier credit approval system to ensure diversified risk management, requiring multiple approvals based on borrower grading and facility size [173]. - The liquidity risk management process includes both flow and stock approaches to track cash flow mismatches and measure critical liquidity ratios [202]. Tax Contributions - In fiscal 2019, the company collected Rs. 3,156 billion in direct taxes and Rs. 2,076 billion in indirect taxes for the Government of India [134].

INVESTOR PRESENTATION 1 Contents Well positioned across India's GDP spectrum Meeting Diverse Customers' Needs Unique Franchise in the Indian Banking Sector Key Business Initiatives Financial Highlights Value Proposition 2 Well positioned across GDP spectrum - 50 100 150 200 2017 2018 2019 ` Tn Investment Government Consumption Private Consumption | --- | --- | --- | --- | --- | |-------|--------------------------------------------------------|-------|--------------------------------------------------------- ...

Economic Overview - The Indian economy's GDP at current market prices was estimated at Rs. 170.95 trillion for fiscal 2018 and Rs. 190.1 trillion for fiscal 2019[29]. - Real GDP growth in India was 6.8 percent for fiscal 2019, despite challenges such as volatile oil prices and elevated trade tensions[30]. - Real GDP growth in India leveled off to 6.8% in fiscal 2019, down from 7.2% in fiscal 2018, with expectations of approximately 7.0% growth in fiscal 2020[31][36]. - The fiscal deficit is budgeted at 3.3% for fiscal 2020, compared to 3.4% in fiscal 2019, as part of the government's strategy to develop India into a US $5 trillion economy[33]. - Investment growth averaged 10.75% over the last six quarters, while construction activity grew at an average of 8.4% in the second half of fiscal 2019[34]. - India attracted approximately US$ 64.4 billion in foreign direct investment (FDI) in fiscal 2019, compared to US$ 60.9 billion in fiscal 2018 and US$ 60.2 billion in fiscal 2017[29]. Currency and Exchange Rates - The Indian rupee depreciated by 6.3 percent against the United States dollar in fiscal 2019, with a range between Rs. 74.4 and Rs. 64.85 per US$ 1.00[19]. - The Indian rupee appreciated by 2.1 percent against the United States dollar in fiscal 2017, attributed to domestic economic stability and international investor interest[19]. Bank Strategy and Operations - The bank's strategy focuses on providing a comprehensive range of financial products and services through multiple distribution channels[27]. - The bank aims to improve its market position by leveraging advanced technology platforms and superior execution in service delivery[27]. - The bank's financial results are influenced by general economic conditions in India, which is becoming an attractive destination for foreign investment[29]. Financial Performance - The bank's assets increased from Rs. 11,367.3 billion as of March 31, 2018, to Rs. 13,280.1 billion as of March 31, 2019[37][48]. - Net income rose from Rs. 178.5 billion in fiscal 2018 to Rs. 220.1 billion in fiscal 2019, with a return on equity of 15.5%[37][48]. - The company's net revenue for the fiscal year ended March 31, 2019, was Rs. 595,348.5 million (approximately US$8,608.2 million), reflecting a growth from Rs. 508,359.8 million in the previous year[64]. - The retail banking segment contributed Rs. 473,748.2 million (79.6%) to the total net revenue for fiscal 2019, showcasing its dominance in the company's revenue structure[64]. Asset Quality and Risk Management - Gross non-performing customer assets as a percentage of total customer assets was 1.50% as of March 31, 2019, indicating strong asset quality[37][48]. - The gross non-performing customer assets as a percentage of gross customer assets was 1.50% as of March 31, 2019, indicating strong asset quality management[61]. - The company has a centralized risk management function to identify, assess, monitor, and manage credit risk, market risk, liquidity risk, interest rate risk, and operational risk[155]. - The retail credit risk team manages credit risk for retail products, ensuring compliance with defined credit parameters for loan eligibility[160]. - The wholesale credit risk team implements credit risk strategies and conducts independent assessments of credit risk for various banking products[167]. Technological Innovations - The bank has invested in a digital banking platform, Backbase, to enhance customer experience across multiple channels[38][50]. - Recent technological innovations include the launch of the LITE App, a bilingual mobile banking application, and the "IRA" interactive humanoid assistant[50]. - The introduction of the "BBC Initiative" aims to enhance customer interactions through biometrics and blockchain technology, improving security and customer experience[53]. - The mobile banking platform enables customers to perform various transactions, including fund transfers and bill payments, accessible via Android and iOS devices[152]. - The internet banking platform allows customers to perform over 200 transactions, including fund transfers and managing investments[153]. Customer Base and Services - As of March 31, 2019, the company had 5,103 banking outlets and 13,160 ATMs across 2,748 cities and towns, indicating a strong physical presence in the market[66]. - The bank's current and savings account deposits represented 42.4% of total deposits as of March 31, 2019, supporting a low-cost funding base[48]. - Retail deposits represented approximately 77.4% of total deposits as of March 31, 2019, with a total value of Rs. 7,140,550.8 million[88]. - The bank had approximately 26.9 million debit cards outstanding as of March 31, 2019, an increase from 24.3 million a year earlier, indicating a growth of 10.7%[89]. - The bank's Kisan Gold Card program extends credit to farmers for various agricultural expenses, supporting rural financial needs[82]. Regulatory and Compliance - The liquidity coverage ratio (LCR) requirement currently stands at 100%, with the bank maintaining high-quality liquid assets above mandated statutory requirements[141]. - The regulatory minimum requirement for the Liquidity Coverage Ratio is 100% starting from January 1, 2019, up from 90% between January 2018 to December 2018[202]. Investment Banking - The Investment Banking Group arranged project financing for clients across various sectors, advising on issuances of over Rs. 550 billion worth of rupee-denominated corporate bonds in fiscal 2019, making it the third largest corporate bond arranger in the market[123].