HDFC Bank Ltd - Company Profile

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HDFC Bank Ltd: Segment Analysis

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Business Description

HDFC Bank Ltd (HDFC) provides personal, commercial, and corporate banking and other financial-related solutions. HDFC operates through a network of branches and ATMs. As of March 31, 2025, the bank had 9,441 branches and 21,139 ATMs/Cash Deposit & Withdrawal Machines (CDMs) across 4,150 cities/towns. The bank's global footprint includes five branches in Hong Kong, Bahrain, Dubai International Financial Centre (DIFC), Singapore, and an IFSC Banking Unit in Gujarat International Finance Tec-City. Additionally, it had four representative offices in Kenya, Abu Dhabi, Dubai, and London. The bank's operations are supported by a robust digital banking network and other online channels.

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Business Segments

Overview

Includes operations of HDFC Life Insurance Company Limited and HDFC ERGO General Insurance Company Limited. It offers life, general, and health insurance products.

Performance

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Overview

Includes operations of consolidated entities of the bank not covered in other segments.

Performance

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Overview

Includes income from parabanking activities such as credit cards, debit cards, third-party product distribution, and primary dealership business.

Performance

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Overview

Serves retail customers through digital and non-digital channels, offering products such as loans, deposits, and other financial services. It caters to individual customers and small businesses.

Performance

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Overview

Primarily involved net interest earnings from the bank’s investment portfolio, money market borrowing and lending, and trading in foreign exchange and derivative contracts.

Performance

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Overview

Provides loans, non-fund facilities, and transaction services to large corporates, emerging corporates, public sector units, government bodies, financial institutions, and medium-scale enterprises.

Performance

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Geographical Segments

Performance

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Performance

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