Comparative report | MIX Market

Compare PRISMA to all MFIs.

Create a customized performance report. All peer group indicators are median values. Graphs show values from the 25th and 75th percentiles, with median midpoint. Data source: Unadjusted.

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Country

Offices

Total assets

Personnel

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PRISMA

	PRISMA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	11,859,491	5,409,153
Offices	23	8
Personnel	157	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
PRISMA

	PRISMA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	20.83%	22.30%
Debt to equity ratio	3.80	3.14
Deposits to loans	—	17.87%
Deposits to total assets	—	12.35%
Gross loan portfolio to total assets	88.27%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

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All
PRISMA

	PRISMA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	21,455	7,997
Percent of women borrowers	73.08%	60.46%
Number of outstanding loans	22,306	8,293
Gross loan portfolio	10,468,316	3,683,738
Average loan balance per borrower	488	592
Average loan balance borrower per borrower / GNI per capita	14.31%	35.69%
Average outstanding balance	469	571
Average outstanding balance / GNI per capita	13.76%	34.39%
Number of depositors	—	641
Number of deposit accounts	—	1,728
Deposits	0	376,783
Average deposit balance per depositor	—	168
Average deposit balance per depositor / GNI per capita	—	15.00%
Average deposit account balance	—	157
Average deposit account balance / GNI per capita	—	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

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All
PRISMA

	PRISMA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	1.37%	2.10%
Return on equity	5.34%	9.72%
Operational self sufficiency	103.77%	112.24%

	PRISMA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	37.65%	25.27%
Profit margin	3.63%	11.03%
Yield on gross portfolio (nominal)	42.70%	30.77%
Yield on gross portfolio (real)	40.21%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
PRISMA

	PRISMA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	36.29%	23.09%
Financial expense/ assets	6.94%	5.26%
Provision for loan impairment/ assets	1.39%	1.13%
Operating expense/ assets	27.95%	14.51%
Personnel expense/ assets	15.78%	8.07%
Administrative expense/ assets	12.18%	6.41%

	PRISMA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	31.62%	19.22%
Personnel expense/ loan portfolio	17.85%	10.70%
Average salary/ GNI per capita	3.26	3.69
Cost per borrower	138	137
Cost per loan	133	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
PRISMA

	PRISMA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	137	98
Loans per staff member	142	102
Borrowers per loan officer	268	245
Loans per loan officer	279	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	50.96%	44.80%

	PRISMA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	1.89%	3.59%
Portfolio at risk > 90 days	1.62%	2.03%
Write-off ratio	0.39%	0.36%
Loan loss rate	0.39%	0.20%
Risk coverage	127.47%	75.73%
Non-earning liquid assets as a % of total assets	8.38%	12.01%

	PRISMA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	11,859,491	5,316,293
Cash and cash equivalents	993,556	726,418
Total trade and receivables	491,708	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	10,216,379	3,352,616
Gross loan portfolio	10,468,316	3,514,762
Impairment loss allowance	251,936	111,693
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	—	4,126
Intangible assets other than goodwill	5,759	16,574
Net fixed assets	122,539	194,348
Liabilities and equity	11,859,491	5,293,138
Total liabilities	9,388,743	3,667,710
Deposits	0	414,688
Total borrowings	8,825,972	1,381,184
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	338,957	147,016
Provisions for employee benefits	114,975	20,617
Deferred revenue	—	4,052
Current tax liabilities	108,839	8,389
Deferred tax liabilities	—	0
Total equity	2,470,749	1,221,785
Paid in capital	—	434,291
Retained earnings total	-2,510	142,164
Share premium	—	0
Treasury shares	—	0
Donated equity total	2,462,507	156,609
Equity reserves	—	90,962
Other equity interest	10,752	0

	PRISMA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	21,455	8,019
Number of outstanding loans	22,306	8,456
Number of depositors	—	1,075
Number of deposit accounts	—	2,064

	PRISMA	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	3,794,197	1,274,256
Interest and fee income	4,014,103	1,214,159
Revenue from interest	3,843,887	1,052,533
Interest income from loans	3,804,119	1,006,275
Financial revenue from investments	0	13,077
Other interest income	39,767	1,649
Fee and commission income	170,216	99,115
Fee income from loans	0	58,341
Income from penalty fees	0	0
Fee and commission income from other financial services	170,216	0
Other fee and commission income	0	2
Other operating income	0	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	-219,906	0
Gains (losses) on disposals of property, plant and equipment	—	0
Gains (losses) on financial assets	—	—
Gains (losses) on financial liabilities at fair value through profit or loss	—	0
Gains (losses) on held-to-maturity investments	—	0
Gains (losses) on loans and receivables	—	0
Gains (losses) on available-for-sale financial assets	—	0
Gains (losses) on financial liabilities at amortised cost	—	0
Gains (losses) on net monetary position	—	0
Financial expense	699,759	244,969
Interest and fee expense	699,759	261,158
Interest expense	699,759	250,210
Interest expense on borrowings	625,559	144,062
Interest expense on deposits	0	19,622
Interest expense on subordinated debt	0	0
Fee expense	0	1,018
Fee and commission expense on deposits	0	0
Fee and commission expense on borrowings	0	0
Other fee and commission expense	0	67
Other financial expense	0	0
Net impairment loss, gross loan portfolio	139,645	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	139,645	68,636
Recovery loan losses	0	1,921
Operating expense	2,816,896	859,273
Personnel expense	1,589,932	482,694
Depreciation expense	25,645	34,247
Administrative expense	1,201,319	338,218
Net operating income	137,897	82,728
Non operating income net	27,196	0
Net income before taxes and donations	165,093	87,893
Tax expense	0	4,006
Net income after taxes before donations	165,093	73,372
Donations	39,689	2,365
Net income after taxes and donations	204,782	106,932

	PRISMA	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Impairment loss (reversal of impairment loss), gross loan portfolio	139,645	68,878
Impairment loss recognised	139,645	72,579
Reversal of impairment loss	0	0
Other movements on impairment loss allowance	0	0
Exchange differences on impairment loss	0	0
Write offs	34,700	11,480

MIX Market

PRISMA5Asociación Benefica Prisma

1. Choose data set

2. Choose display options

Offices

Total assets

Personnel

Legend

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend