Reasons for Changing
Commercial Underwriting Standards
(Percent of Banks)
Tightened
Eased
Competition
26
93
Economic Outlook
33
18
Risk Appetite
52
33
Market Strategy
19
31
Product Performance
33
9
Bank's Financial
Condition
11
7
Regulators
22
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.
