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Survey of Credit Underwriting Practices

August 2010

**Figure 8: Commercial Credit Risk Trends — Current Credit Risk Change, by Product Type** (Continued )
(Percent by Responses)
	2003		2004		2005		2006		2007		2008		2009		2010
	Decreased	Increased	Decreased	Increased	Decreased	Increased	Decreased	Increased	Decreased	Increased	Decreased	Increased	Decreased	Increased	Decreased	Increased
Agricultural Loans	11	41	10	31	21	10	23	14	0	45	26	26	6	56	0	54
Asset-Based Loans	29	29	32	13	24	24	17	22	14	43	0	70	0	88	0	92
International Loans	6	39	39	6	20	7	0	20	0	30	0	60	0	100	0	70
Middle Market	13	48	29	20	30	17	24	22	5	44	0	50	2	92	0	95
Small Business	4	40	15	13	11	19	5	24	6	28	3	61	2	83	9	84
Hedge Fund (Direct Exposure)									0	17	0	17	33	67	60	0
Hedge Fund (Counterparty Credit Exposure)									14	14	14	57	0	86	67	0

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