On the institutional side, has anyone really sailed through the credit crunch? The conventional wisdom used to be that Goldman Sachs and JPMorgan Chase had, but that may be premature. Relatively speaking, of course, they've done better than their peers. On the consumer side, Wells Fargo seem a better un-caveatted answer. On CNBC, CEO John Stumpf said that "There's actually less competition. People are inwardly focused trying to fix their balance sheets. We're out trying to grow ours." Meredith Whitey has noted, however, that the company recently shifted the threshold to write off a soured home equity loan from 120 to 180 days. This reduces potential charges, but it also gives the bank more time to work things out.

  For more:
- here's the CNBC article

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