Which statement describes an exclusion in the Risk Management Association offerings?

• A. Industry average financial ratios
• B. Data compiled with data from commercial banks
• C. Companies that do not need or qualify for bank financing are excluded
• D. Forecasts of economic growth

Answer: (C)

RMA offerings are designed to support bank lending decisions. They provide industry-average financial ratios, data compiled with input from commercial banks, and forecasts of economic growth to help lenders assess borrowers and set terms.

An exclusion described here is that companies that do not need or qualify for bank financing are excluded from the offerings. That makes sense because the resources are tailored for credit evaluation and lending decisions; entities not seeking or not qualifying for bank financing wouldn’t benefit from these tools. The other items mention data and benchmarks that are typically included in RMA offerings, not exclusions.