Kochi, the second largest city in the Indian state of Kerala, was known as Cochin earlier. Kochi is situated on the western coast of India, overlooking the Arabian Sea and is popular for its scenic beaches and beautiful backwaters. Sometimes called the Queen of the Arabian Sea, this historic city was a harbor and trading center for spices. The civic administration of Kochi is divided into 74 wards which include a few localities situated in the outskirts of the city. Kochi is considered to be the commercial capital of Kerala for its natural harbor and several industries in the areas of chemical, IT and health services. A major industrial area in Kerala, Kalamassery, is situated around 17 kilometers from the City Center and it not only houses manufacturing units but many IT and Financial firms. The LuLu Mall at Ernakulam serves as a landmark as it is the largest shopping mall in India. The Kochi Port, the Fort Kochi area, the Syro-Malabar Church and the beautiful beaches make Kochi and amazing location for tourism. It is also connected to nearby tourist destinations like Aleppy, Munnar and Thekkady. Kochi is the business center for Kerala as most of the major private banks and financial institutions have their offices in the city, catering to the different financial needs of people of Kochi.
The HDFC Bank Limited was started in Mumbai. As of 31st March 2018, the bank has more than 88,000 permanent employees in India, and abroad, it has offices in Bahrain, Hong Kong, and Dubai. By assets, the HDFC Bank is Indias largest private sector lender. It is the largest bank in India and ranked 69th in 2016 BrandZ Top 100 Most Valuable Global Brands. In 1994, the HDFC Bank was established with its registered office in Mumbai, India. The then Union Finance Minister, Manmohan Singh inaugurated its first corporate office and a full-service branch at Sandoz House, Worli. The bank had 4,715 branches and 12,260 ATMs across India, as of June 30, 2017. In FY 2017, the bank also installed 4.30 lakhs POS terminals and issued 235.7 lakhs debit cards and 85.4 Lacs credit cards. The HDFC Bank offers many products and services including wholesale banking, treasury, auto loans, two wheeler loans, personal loans, retail banking, loans against property and credit cards. Along with this various digital products are also introduced by HDFC such as Payzapp and Chillr. The HDFC Bank merged with Times Bank in February 2000. In the new-generation private sector banks category, it was the first merger of two private banks. HDFC Bank acquired Centurion Bank in 2008 approved by the HDFC Bank Board for 95.1 billion INR as one of the most significant mergers in the financial sector in India.