RATIOS
The following ratios provide an overview of Prizma’s performance and trends.
| Portfolio | December 31,2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 |
| Active clients | 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) | 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 | |||||||||||
| Net profit / (loss) | 2.931.000 | 1.756.000 | 5.374.000 | 635.673 | 1.673.841 | 853.339 | 215.589 | 266.392 | 74.125 | (215.053) | (475.369) |
| Adjusted return on assets | 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 | 14,70% | 11,00% | 16,9% | 5,12% | 13,3% | 6,1% | 0,05% | 2,18% | (2,60%) | (13,30%) | (44,40%) |
| Financial self-sufficiency | 137% | 117% | 100% | 108% | 92% | 65% | 32% | ||||
| Portfolio yield | 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 | |||||||||||
| Clients per staff member | 333 | 211 | 237 | 220 | 214 | 198 | 184 | 110 | 106 | 95 | 83 |
| Clients per loan officer | 516 | 345 | 464 | 439 | 485 | 430 | 477 | 281 | 276 | 265 | 257 |
| Portfolio per loan officer | 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 | 22,75% | 15,23% | 17,92% | 16,10% | 18,38% | 24,61% | 34,14% | 32,49% | 39,59% | 51,41% | 103,20% |