RATIOS
The following ratios provide an overview of Prizma’s performance and trends.
| Portfolio | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 |
| Active clients | 49.109 | 61.359 | 29.308 | 20.896 | 15.806 | 12.603 | 10.968 | 8.112 | 3.647 | 2.755 | 1.778 | 1.156 |
| Portfolio outstanding (KM) | 85.074.199 | 69.995.000 | 49.226.000 | 22.884.000 | 17.924.000 | 13.357.339 | 10.950.567 | 7.327.149 | 3.939.574 | 3.189.652 | 2.243.822 | 1.242.806 |
| Profitability | ||||||||||||
| Surplus/deficit of income over expenses | 1,077,000 | 2,931,000 | 1,756,000 | 2,096,000 | 496,113 | 1,559,258 | 718,941 | 215,589 | 266,392 | 74,125 | (215,053) | (475,369) |
| Adjusted return on assets | 1,28% | 4,10% | 4,49% | 9,42% | 2,89% | 8,3% | 4,0% | 0,04% | 2,08% | (2,50%) | (13,20%) | (44,10%) |
| Adjusted return on equity | 3,81% | 14,70% | 11,00% | 16,90% | 5,12% | 13,3% | 6,1% | 0,05% | 2,18% | (2,60%) | (13,30%) | (44,40%) |
| Portfolio yield | 24,07% | 29,82% | 28,92% | 32,90% | 26,39% | 34,18% | 35.82% | 37.70% | 39.58% | 39.80% | 35.27% | 34.71% |
|
Productivity and Efficiency |
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| Clients per staff member | 217 | 333 | 211 | 237 | 220 | 214 | 198 | 184 | 110 | 106 | 95 | 83 |
| Clients per loan officer | 307 | 516 | 345 | 464 | 439 | 485 | 430 | 477 | 281 | 276 | 265 | 257 |
| Portfolio per loan officer | 508.181 | 596.050 | 558.945 | 508.523 | 497.888 | 451.247 | 399.501 | 425.832 | 296.146 | 318.965 | 299.177 | 276.179 |
| Operating cost ratio | 26,25% | 22,75% | 15,23% | 17,92% | 16,10% | 18,38% | 24,61% | 34,14% | 32,49% | 39,59% | 51,41% | 103,20% |