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Survey of Credit Underwriting Practices

June 2011

**Figure 9: Reasons for Changing Retail Underwriting Standards (Percentage of Responses)**
	Tightened	Eased
Risk Appetite	59	41
Economic Outlook	65	55
Product Performance	48	45
Market Strategy	22	68
Competition	19	64
Regulatory Policies	37	18
Market Liquidity	4	0
Bank's Financial Condition	13	5

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