1.   Banks are willing to lend even as they try to write off bad debts and meet international capital adequacy ratios.

2.   In addition, the bank wants to keep its capital adequacy ratio high in order to get better credit ratings, Dalborg said.

3.   Some money will also be used to buy bank shares, thereby helping banks increase their capital adequacy ratios.

4.   To offset the decline, and raise their capital adequacy ratios, banks must reduce assets.

5.   Banthoon Lamsam, president of Thai Farmers Bank, said commercial banks are unwilling to boost their lending because of the burden of maintaining the capital adequacy ratio.

6.   But for most Hong Kong banks, the high level of revaluation surplus on property assets has boosted the capital adequacy ratios.

7.   FTI secretary-general Chatchai Boonyarat said that he understands the commercial banks are having difficulty approving new loans because they have to maintain their capital fund adequacy ratios.

8.   Japanese banks have been cutting back on lending because of growing concern about credit risk and their efforts to boost their capital adequacy ratios.

9.   Many are believed likely to increase their capital adequacy ratios by reducing lending rather than applying for public funds.

10.   Mr Lok said the increase in capital adequacy ratio might be a prelude by the HKMA for forcing consolidation among the smaller local banks.