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Survey of Credit Underwriting Practices

June 2011

Figure 6: Commercial Credit Risk Trends—Current Credit Risk Change, by Product Type
(Percentage of Responses)
	2003			2004			2005			2006			2007			2008			2009			2010			2011
	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased
CRE-Commerial Construction	7	46	47	7	59	34	8	65	27	5	65	30	2	48	51	0	22	78	0	4	96	6	3	92	45	18	36
CRE-Residential Constructions	2	62	36	4	76	20	7	65	28	2	52	45	4	27	69	0	7	93	0	0	100	14	5	82	53	11	37
CRE-Other	5	48	47	12	66	22	11	66	24	11	55	34	1	59	39	2	39	59	2	5	93	2	9	89	35	33	33
Leveraged Loans	43	29	29	55	40	5	32	58	11	8	15	77	13	33	53	0	27	73	0	6	94	6	6	88	38	25	38
Large Corporate	32	32	35	53	36	11	32	49	20	19	45	35	8	58	35	0	47	53	0	11	89	3	0	97	41	31	28
Commercial Leasing										41	53	6	16	63	21	0	71	29	0	13	87	0	0	100	10	10	80

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