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Education and Outreach Services 12.03.2018


Are you looking for industry information, and/or teaching or studying credit risk? If so, you may want to look at RMA’s RMAU Online (aka RMA’s eStatement Studies).  It’s a professional level financial analysis tool that draws data from financial statements. It offers financial ratios benchmarks, industry default probabilities and cash flow measures.

The Risk Management Association (RMA) is a respected source of objective, unbiased information on credit risk, and has been for over 99 years.  The material contained in today's eStatement Studies was first published in the Federal Reserve Bulletin in March 1919. In those days this kind of data was recorded in pencil on yellow ledger paper! Today, eStatement Studies features data for over 796 industries drawn from more than 260,000 statements of financial institutions' borrowers and prospects.  These statements come directly from RMA members and represent the financials from their commercial customers and prospects. Eighteen of the most widely used ratios in the financial services industry accompany the balance sheet information in this database, including various types of liquidity, coverage, leverage, and operating ratios.

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