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Survey of Credit Underwriting Practices

June 2011

Figure 6: Commercial Credit Risk Trends—Current Credit Risk Change, by Product Type (Continued)
(Percent 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
Agricultural Loans	11	48	41	10	59	31	21	69	10	23	64	14	0	55	45	26	47	26	6	38	56	0	46	54	27	47	27
Asset-Based Loans	29	42	29	32	55	13	24	52	24	17	61	22	14	43	43	0	30	70	0	12	88	0	8	92	69	23	8
International Loans	6	56	39	39	56	6	20	73	7	0	80	20	0	70	30	0	40	60	0	0	100	0	30	70	33	44	22
Middle Market	13	39	48	29	52	20	30	54	17	24	54	22	5	51	44	0	50	50	2	6	92	0	5	95	31	29	40
Small Business	4	56	40	15	72	13	11	70	19	5	71	24	6	66	28	3	36	61	2	14	83	9	6	84	21	33	45
Hedge Fund (Direct Exposure)													0	83	17	0	83	17	33	0	67	60	40	0	0	100	0
Hedge Fund (Counterparty Credit Exposure)													14	71	14	14	29	57	0	14	86	67	33	0	33	67	0

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