Methods Used to Change Commercial Underwriting Standards
(Percent of Banks)
Tightened
Eased
Pricing
39.13
75.68
Covenants
52.17
46.85
Collateral
41.30
29.73
Credit Line
10.87
34.23
Guarantor
26.09
31.53
Maturity
15.22
32.43
Amortization
21.74
25.23
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.