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Goldman Sachs, the global investment bank, is considered obtaining a state licence that would allow it to offer a wider array of banking products.

Goldman is fending off competition from companies with commercial banking arms that are using their lending powers to bid for investment banking work.

It is understood that Goldman's intention in seeking its first such banking licence is limited to providing bank accounts and related services to wealthy individuals.

However, having the banking licence would give Goldman greater flexibility in attracting deposits and making loans.

Goldman is interested in obtaining a licence for a Utah industrial loan corporation, a kind of bank that is regulated by the state and the Federal Deposit Insurance Corporation.

Morgan Stanley and Merill Lynch both have such a licence, which allows them to offer commercial banking products without being supervised by the two main federal banking regulators: the Federal Reserve and the Treasury Department's Office of the Comptroller of the Currency.

Investment banks have gravitated to Utah to set up banking arms because they tend to view federal banking regulators with suspicion, seeing them as slow to embrace innovation.

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