Financial experts have said an improved liquidity in the UAE's financial system will see loan growth expand in the coming months, and fiscal third quarter results suggest provisioning for bad loans are beginning to weigh less on banks' profitability, Gulf News has reported. However, rules by the central bank restricting lending to the government and imposing limits on personal and retail credit will pressure the growth, Giyas Gokkent, chief economist at the National Bank of Abu Dhabi (NBAD), told the daily. "The rise in provisions has slowed down compared to 2010. General provisions are largely unchanged from March 2012 at about 1.5% of gross loans," said Gokkent. "We expect continued subdued credit growth in 2013 given the operating environment," he said.