Better Risk Management Means Better Risk Management
Practical Tools to Manage Credit, Market, and Operational Risks
Partner with RMA to Confront Risk Management Challenges
RMA relies on you, our members, as we undertake studies to help you better identify, assess, and manage risks. With your participation, we develop commercial and retail risk data used for our information and decision products. The data we use in our studies is generally not publicly available, so our efforts are truly unique, insightful, and highly reliable. And because you are the source of our information, our products correspond directly to your needs.
Our relationship with institutions that share information with us is governed by a strong commitment to objectivity, confidentiality, and flexibility. The results of our pooled data research and most of our product offerings are available only to participating institutions. In turn, those institutions use the information to improve their borrower/portfolio strategies and models.
Reach into RMA's Toolbox
RMA's data is an essential toolbox for risk managers. Whether you are responsible for small business lending, consumer credit, industry analysis, portfolio management, risk technologies, or approving credits, just reach into our toolbox and you'll find what you need to get the job done.
Overall Goals
- Contribute to the accurate quantification of risk.
- Establish the standard basis for analysis.
- Assist in the dialog between risk and line management.
- Contribute to the thorough understanding of risk principles.
Why RMA?
- Established reputation as database manager
- Focused purpose
- Cost-effective solutions
- Unparalleled peer access
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Our mode of operation is simple:
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Define the scope, methodology, data requirements, and output most useful to the participant.
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Bring to bear the appropriate internal and external resources.
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Deliver a high-quality product that meets the original design parameters. |
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Benchmarking |
- Market Risk Trading Activities
- Organizational Structure
- Educational Offerings
- Topical Internet Surveys
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- Small Business Risk Management
- Limit Setting
- Commercial Real Estate
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| Thought Leadership and Best Practices |
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The Essential Building Blocks
- Annual Statement Studies—Financial Ratio Benchmarks (FRB)
The original Annual Statement Studies, this publication is the only source of financial statement benchmarks derived directly from more than 190,000 statements of financial institution borrowers and prospects. These financial statements come directly to RMA from our member institutions, which get their data straight from the customer.
More information about Financial Ratio Benchmarks.
- Annual Statement Studies—Industry Default Probabilities and Cash Flow Measures (IDP)
This companion publication contains probability of default estimates, cash flow measures, and change in financial position information for more than 600 industries. It represents a major content expansion of the Annual Statement Studies—Financial Ratio Benchmarks.
IDP brings together the power of Moody's RiskCalc™ for private companies and the Statement Studies database to provide distribution statistics on one-year and five-year probability of default estimates by industry. The new benchmarks add substantial value to the critical analysis of cash flow for private companies.
More information about Industry Default Probabilities and Cash Flow Measures.
- Loss Given Default (LGD) Study
A data exchange project that focuses on commercial loan loss and recovery rates by industry, type of default, and various facility attributes, including collateral and the type and purpose of facility. The new Basel Accord makes participation in this project even more timely.
More information about Loss Given Default.
- Consumer Loan Studies
A data exchange project that focuses on retail product composition and performance. Available monthly:
- Performance statistics
- Delinquency and charge-off data on 14 loan products
- Annual practices survey(s)
- Peer reporting
- Risk Analysis Service
A commercial loan benchmarking service that allows participating institutions to compare the composition and performance of their portfolios to those of their peers.
More information about the Risk Analysis Service.
For more information, please contact the Regional Manager for your area—either Community Bank (assets below $1 billion), Large Financial Institution (assets of $1 billion and up), or Strategic Learning & Research at 215-446-4086.