Reasons for Tightening
Retail Underwriting Standards
(Percent of Tightened Banks)
2003
Risk Appetite
68
Economic Outlook
53
Product Performance
44
Market Strategy
40
Competition
21
Regulators
8
Bank's Financial Condition
2
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.
