HDFC Bank Limited

HDFC Bank Limited provides a wide range of banking and financial products and services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. Its operations are structured into segments including Treasury, Retail Banking, Wholesale Banking, Other Banking Business, and Insurance Business. The bank offers savings, salary, current, rural, public provident fund, pension, and demat accounts, as well as fixed and recurring deposits and safe deposit lockers. Its loan portfolio includes personal, home, car, two-wheeler, business, doctor, educational, gold, consumer, and rural loans, along with loans against properties, securities, mutual funds, and rental receivables. Additionally, it provides credit, debit, prepaid, forex, and kisan gold cards, and services such as payment and collection, export and import facilitation, remittances, bank guarantees, letters of credit, trade finance, hedging, merchant and cash management, and insurance and investment products.

HDFC Bank is listed on the New York Stock Exchange (NYSE) under the ticker symbol HDB. Its shares trade in US Dollars (USD). The bank is headquartered in India and operates primarily in Indian rupees domestically, but its NYSE listing allows international investors to trade its shares in USD. This dual listing provides access to global capital markets while the bank's core business remains in India.

HDFC Bank operates in the Financial Services sector, specifically within the Banks - Regional industry. As a regional bank, it focuses on providing banking services to individuals and businesses across various regions in India and select international locations. Its activities encompass retail banking, wholesale banking, treasury operations, and insurance, making it a comprehensive financial institution within the regional banking space.

HDFC Bank primarily serves customers in India, its home market, but also has a presence in Bahrain, Hong Kong, Singapore, and Dubai. This international footprint allows the bank to support Indian businesses and individuals abroad, as well as local clients in those regions. The bank's operations are structured to cater to both domestic and cross-border banking needs, offering services such as offshore accounts, trade finance, and remittance solutions across these geographies.

HDFC Bank's operations are divided into several segments: Treasury, Retail Banking, Wholesale Banking, Other Banking Business, and Insurance Business. The Treasury segment manages the bank's investment portfolio and funding. Retail Banking serves individual customers with accounts, loans, cards, and digital banking services. Wholesale Banking caters to corporate and institutional clients with working capital finance, term loans, trade services, and cash management. Other Banking Business includes activities like merchant banking and custodial services. The Insurance Business offers insurance products to customers. This diversified structure allows the bank to generate revenue from multiple streams, including net interest income from loans and deposits, fees from services, and income from treasury operations.