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Source: Bangkok Post, ThailandOct.self storage 04--Liquidity in the Thai banking market is still adequate for business expansion in the final quarter, though it is expected to tighten because of high-season loan demand.Bangkok Bank's loan-to-deposit (L/D) ratio is 88-89%, a reasonable level, despite tightening liquidity because of stronger loan demand and tougher deposit competition, president Chartsiri Sophonpanich said yesterday.Concerns over a liquidity crunch are growing after commercial banks jumped on the deposit-raising bandwagon and the 2-trillion-baht borrowing bill to finance the government's mega-infrastructure projects won the backing of the House of Representatives.The US Federal Reserve's expected stimulus retreat in the months ahead has also fanned fears.Bangkok Bank, the country's largest lender, recorded year-on-year lending growth of 6-7% in the first nine months. All segments including corporate loans, small and medium-sized enterprises and retail finance contributed to growth.With loan demand in the last quarter showing positive signs due partly to seasonal factors, the bank expects to reach its full-year loan growth target of 6-7%, Mr Chartsiri said.Kasikorn Research Center recently said in a note that banking liquidity at the end of August had tightened from the previous month as credit grew at a faster pace than deposits and debt instrument issuance.The research house estimated net loan growth of 12.29% year-on-year to 9.17 trillion bahmini storage, while deposits plus debt instrument issuance surged 10.24% to 10.59 trillion baht.Its figures were gathered from 14 commercial banks.Liquidity tends to tighten in the final quarter but it is not a worry as outstanding Bank of Thailand bonds worth 3 trillion baht could boost liquidity, Kasikorn said.Asia Plus Securities said in a report that Bangkok Bank's loans in August expanded 1.6% month-on-month, while its deposits grew by a mere 0.6%. On a year-on-year basis, its loan growth was 9.1% and deposit growth 7.2%.Meanwhile, 10 banks under the research house's coverage reported combined net loans of 8.62 trillion baht, rising 1.05% month-on-month and 12% year-on-year. Most banks showed monthly growth.Net loan growth in the banking sector in the first eight months increased by 6.7%, still in line with the research house's full-year projection of 9.8%.The banks reported combined deposits in August of 9.46 trillion baht, up 0.9% month-on-month and 11% year-on-year. The sector's L/D ratio was about 93%.Land and Houses Bank, TMB Bank and Bank of Ayudhya showed the largest deposit growth in August, while Kiatnakin Bank and Tisco Bank saw their deposits decline the most.BBL shares yesterday rose by 5 baht on the Stock Exchange of Thailand to 204 baht in trade worth 519.07 million baht.Copyright: ___ (c)2013 the Bangkok Post (Bangkok, Thailand) Visit the Bangkok Post (Bangkok, Thailand) at .bangkokpost.com Distributed by MCT Information Services迷你倉