Retail Credit Risk Trends by Product Type
(Percent of Banks)

2003 2004

Decreased Risk

Increased Risk

Decreased Risk

Increased Risk

Affordable Housing
9

15

9

9

Consumer Leasing
23

8

64

0

Credit Cards
22

30

11

28

Home Equity Conventional
8

23

6

15

Home Equity HLTV
11

39

18

21

Indirect Consumer
25

28

26

14

Other Direct Consumer
19

9

15

7

Residential Real Estate
12

14

6

2

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.