STAKEHOLDER VALUE

While our key priority is to increase the investments of our shareholders, we are also dedicated to using our financial capital to create value for all stakeholders. With multiple stakeholders impacted through our banking activities, we believe in striking a balance between HDFC’s strategic objectives and stakeholder expectations.

FINANCIAL INCLUSION

All of us yearn for the security of owning our own home, but to most this remains an unfulfilled dream due to financial constraints and the inability to access financial products and services. As a specialized bank, we finance home loans, and our role is to guide and support those with low financial stability to become homeowners. We enable low to middle income earners to access affordable and sustainable housing finance to enhance their quality of life. Financial inclusion enables poverty reduction, allowing borrowers to benefit from EPF or mortgage-backed home loans, in addition to lifestyle loans, which provide the means necessary to enhance their standard of life. Our focus is to reach our clientele who are unable to visit our branches due to a plethora of limitations. Our palmtop banking team takes our services directly to the doorsteps of these customers and are also dedicated to ease their lives by visiting

them in their homes to collect deposits, loan repayments, and utility bill payments.

FINANCIAL LITERACY

We provide healthy awareness of financial solutions to our prospective and existing customer base. For financial inclusivity to be meaningful, awareness and financial literacy is paramount. We guide and advice our customers on how to select the right credit or deposit scheme that matches their financial aspirations and budgetary capacities.

EMPLOYEE DIVERSITY AND EQUALITY

While ensuring the professional growth and financial strength of our team, we strive to maintain a workplace that embraces diversity and pursues equality. Whether through promotions, by providing incentives or through annual awards for service excellence, we maintain an unbiased approach in all aspects of employee treatment. We warmly welcome employees from all cultural and economic backdrops. We believe in extending the right opportunity to the right professional based on their

talents and skills when recruiting and retaining employees.

ENVIRONMENTAL SUSTAINABILITY

To us environmental sustainability is a vital aspect of how we run our business. We support the resource conserving efforts of the nation through joining hands by ensuring the prudent use of valuable resources such as power and water. We also ensure a well-developed waste management plan which also involves educating our employees on being conscientious and mindful when utilizing and disposing of resources such as paper, plastic and food waste. We have established measures to reduce our carbon footprint on the environment and increased our environment focused initiatives planned and implemented annually. We have marked our commitment to sustaining the environment through direct efforts such as planting of tree saplings to support the national endeavours to reduce CO2 emissions.

SUSTAINABILITY FRAMEWORKS FOR SUSTAINABLE BANKING

In bolstering our pursuit of sustainable and accountable banking initiatives, we became a signatory to the Sustainable Banking Principles (SBP) by Sri Lanka Banks’ Association (SLBA), which promotes ‘sustainable economic growth’. Mirroring standards in international sustainable finance, the initiative promotes 11 principles, which is an ideal framework in ensuring that we maintain best practices across our financial transactions.