Reasons for Changing
Commercial Underwriting Standards
(Percent of Banks)
Tightened
Eased
Competition
15
86
Economic Outlook
60
50
Risk Appetite
73
41
Market Strategy
33
32
Product Performance
35
16
Bank's Financial Condition
8
16
Regulators
0
0
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.
