As a hectic year of deal-making in banking and financial services rolls to a close, experts are predicting that the mergers and acquisitions in 2026 will see mid-sized lenders and foreign capital taking centre-stage. Friday saw the biggest deal of the year – Mitsubishi UFJ Financial Group pouring nearly ₹40,000 crore into Shriram Finance, India's second largest non-banking finance company, for a 20% stake – in the sector highlighting how India has emerged as a magnet for global capital chasing lenders. Stro ...

But selectively, with regulatory scrutiny and special approval, points out Tamal Bandyopadhyay.Illustration: Dominic Xavier/Rediff  In September 2006, the Union government had put the Satara (Maharashtra)-based United Western Bank under a moratorium on the Reserve Bank of India's advice.There were many suitors for the old private bank, including two large foreign banks operating in India, but it was IDBI Bank Ltd that came out a winner.The scene is very different now. The turf on which foreign banks play in ...

交易核心信息 - 阿联酋国民银行计划以2685.3亿卢比收购RBL银行最多50%的股份 [1] - 该交易需要获得印度储备银行及其他机构的批准 [1] - 此次谈判于10月13日被报道，阿联酋国民银行计划收购RBL银行的控股权 [2] 监管环境变化 - 印度外国直接投资法规允许海外投资者收购银行最多74%的股份，但印度储备银行通常将单一外国投资者所有权限制在15% [3] - 监管机构在某些情况下放宽了这些规范，但投票权上限仍为26% [3] - 有顾问指出印度储备银行的立场发生变化，更倾向于允许更多外国资本进入银行业 [3] - 印度储备银行希望战略投资者能持股至少十年或二十年，而非寻求快速退出 [4] - 印度储备银行行长表示，根据外国直接投资政策，外国银行最多可持有印度银行74%的股份，并明确可以持有26%的股份 [5] 行业趋势与影响 - 就在几周前，三井住友银行通过两笔交易收购了Yes银行24.2%的股份 [2] - 专家认为这标志着外国银行在印度的第二次到来，此前它们曾受限于分行扩张限制 [6] - 外国银行除了带来资本，还将引入稳健的风险管理实践和新技术 [7] - 随着小型金融银行可升级为全能银行，市场竞争将加剧，现有银行需要增长资本 [12] - AU小型金融银行于8月获得原则性批准升级为全能银行，成为十年来首家获得全面银行牌照的机构 [12] 历史案例与现状 - 2020年3月印度储备银行接管Yes银行后，监督了由印度国家银行牵头的财团对其的收购 [9] - 2020年11月，印度储备银行接管陷入困境的Lakshmi Vilas银行，并促使其与新加坡最大银行DBS的印度子公司合并，这是央行首次选择有外资母公司的银行来支持印度银行 [9] - 印度允许外国银行以分行或全资子公司的形式运营，除DBS银行印度和SBM银行印度外，其他均以分行形式运营，央行更倾向于外国银行在印度运营子公司而非分行 [14] - 在RBL银行交易宣布前五个月，印度储备银行已原则上批准该迪拜银行在印度建立全资子公司 [13]