Publications:

Commercial Credit Risk Trends
(Percent of Banks)

	Past 12 Months			Next 12 Months
	Increased	No Change	Decreased	Increased	No Change	Decreased
2002	53	40	7	57	33	10
2003	41	47	13	45	45	10
2004	19	60	21	23	63	14
2005	21	62	17	38	57	5

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.