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Survey of Credit Underwriting Practices

June 2011

**Figure 5: Commercial Credit Risk—Direction of Change and Outlook (Percentage of Responses)**
	Past 12 Months			Next 12 Months
	Increased	No Change	Decreased	Increased	No Change	Decreased
2003	41	47	13	45	45	10
2004	19	60	21	23	63	14
2005	21	62	17	38	57	5
2006	30	57	13	48	48	3
2007	43	52	5	58	41	1
2008	62	36	2	78	20	2
2009	90	9	2	92	6	2
2010	85	9	6	69	18	13
2011	32	29	38	36	39	25

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