Reasons for Tightening
Commercial Underwriting Standards
(Percent of Tightened Banks)
2003
Economic Outlook
78
Risk Appetite
63
Product Performance
41
Market Strategy
25
Bank's Financial Condition
17
Competition
15
Regulators
4
The Office of the Comptroller of the Currency was created by Congress to
charter national banks, to oversee a nationwide system of banking institutions,
and to assure that national banks are safe and sound, competitive and
profitable, and capable of serving in the best possible manner the banking
needs of their customers.
