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SmartInvestor. The Reserve Bank of India's (RBI) guidelines on subsidiarisation may have failed to excite foreign lenders in the country but the regulator's proposal to issue differentiated banking licence appear to have caught their imagination. Bankers claim that several mid-sized foreign lenders are keen to apply for a differentiated banking licence as and when RBI decides to offer such licences. "Out of the 43 foreign banks in India only four or five are engaged in full-fledged banking activities. The rest of them are only doing specialised banking business even though they have been given universal banking licence. It makes sense for them to opt for a differentiated banking licence and maintain focus on their core activity. We are certainly open to this idea," a banker with a mid-sized foreign bank said requesting anonymity. He declined to be identified as it is not immediately clear if RBI will allow foreign banks to opt for a differentiated banking licence without creating a subsidiary in India. RBI governor Raghuram Rajan, during a seminar last week, said that the central bank has opened up the possibility of creating differentiated banking licence that will allow banks to operate in niche areas. While Rajan made the comment in reference to the new banking licences offered to domestic players, the model appears to find favour with some of the foreign banks in the country. UBS, which has decided to surrender its banking licence in India, is one such bank. "India is still very important to us. If differentiated licensing comes in, and if we are able to do what we think we are good at, then we will certainly reconsider those options to re-engage in businesses in India," Aashish Kamat, managing director and chief executive of UBS in India, had told Business Standard in a recent interview. Industry sources say that Barclays could be another candidate for a differentiated banking licence. "Banks like Barclays will be inclined going for a differentiated banking licence," said a source. Barclays had exited its retail operations in India in December, 2011 - barely four-and-a-half years after starting it. A spokesperson of Barclays in India declined to offer comments. "I think there is lot of merit to differentiated banking licence model. All banks do not want to do every business. Different banks have different expertise and a differentiated licence will suit them (foreign banks)," Brijesh Mehra, managing director and head of international banking - India and South East Asia at Royal Bank of Scotland (RBS), said. Industry analysts and bankers say that subsidiarisation could be a hurdle for foreign banks to opt for differentiated banking licence. While RBI wants foreign banks to set up wholly-owned subsidiaries (WOS) in India, it has not made it compulsory for the lenders to create WOS. "Not many foreign banks are interested in creating a subsidiary here. It is not clear at this point whether foreign banks have to set up subsidiaries first to be eligible for a differentiated licence," said a banker. He added that priority sector lending norms also need to be relaxed to encourage foreign banks opt for a differentiated banking licence. "The final guidelines on differentiated banking licence will probably offer some clarity," the banker said. In October, 2007 RBI had prepared a discussion paper on differentiated bank licensing, wherein it stated that the case for such licensing may be reviewed after a certain degree of success in financial inclusion is achieved and the central bank is satisfied with the quality and robustness of the risk management systems of the entire banking sector. The banking regulator, in a discussion paper on banking structure in India (released in August, 2013), said that banks have shown significant progress in financial inclusion and in improving the quality of risk management but added that a "lot more needs to be done". With banks shifting most of their government securities from Available-For-Sale (AFS) to Held-To-Maturity (HTM) bucket post July under the Reserve ... AdvertisementsIntroducing the new 11th generation corolla altis. Building a Global Enterprises-India. 28 APR-01 May 2014. Make New Beginnings design a Neo Life. Orbit's total amount outstanding is Rs 95. FacebookTwitterGoogle +YoutubeRSSCopyrights © 2014 Business Standard Ltd. All rights reserved. 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