HDFC Bank Limited (HDFC Bank) is a banking company engaged in providing a range of banking and financial services, including commercial banking and treasury operations. The Bank operates in four segments: treasury, which primarily consists of net interest earnings from the Bank�s investment portfolio, money market borrowing and lending, gains or losses on investment operations and on account of trading in foreign exchange and derivative contracts; retail banking, which serves retail customers through a branch network and other delivery channels; wholesale banking, which provides loans, non-fund facilities and transaction services to corporate, public sector units, government bodies, financial institutions and medium scale enterprises, and other banking business, segment includes income from para banking activities, such as credit cards, debit cards, third party product distribution, primary dealership business and the associated costs.