Underwriting Standards for Commercial Loans by Product Type
(Percent of Banks)

2002 2003

Eased Unchanged Tightened Eased Unchanged Tightened

Ag Loans
0

70

30

0

67

33

Asset Based Loans
3

66

31

0

58

42

CRE Commercial
NA

NA

NA

2

61

37

CRE Residential
NA

NA

NA

0

76

24

CRE Other
NA

NA

NA

5

71

24

International
11

61

28

6

55

39

Middle Market
0

60

40

6

63

31

Small Business
2

66

32

4

65

31

Structured Finance
0

44

56

0

48

52

Syndicated/National
0

45

55

3

49

48

The Office of the Comptroller of the Currency was created by Congress to charter national banks, to oversee a nationwide system of banking institutions, and to assure that national banks are safe and sound, competitive and profitable, and capable of serving in the best possible manner the banking needs of their customers.