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Survey of Credit Underwriting Practices

August 2010

**Figure 13: Retail Credit Risk Direction of Change and Outlook**
(Percent of Responses)
	Past 12 Months			Next 12 Months
	Increased	No Change	Decreased	Increased	No Change	Decreased
2003	20	65	15	37	54	9
2004	11	75	14	23	69	8
2005	16	74	10	28	66	6
2006	25	70	4	33	61	6
2007	29	66	5	36	60	3
2008	60	38	1	67	32	2
2009	86	13	1	87	10	3
2010	77	15	8	63	30	8

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