Defined and developed collaboratively with the industry, the Risk Analysis Service, a joint offering of the Risk Management Association (RMA) and Automated Financial Systems, Inc. (AFS), provides credit risk benchmarking on commercial and industrial (C&I) credits. The RMA/AFS Risk Analysis Service database currently consists of approximately half of all U.S. C&I middle market loans representing over $850 billion in commitments. The Service provides an automated quarterly update of the comparative database to participating banks and a Web-based workstation for reporting, analysis, and database queries.