... ProductivityYield on Portfolio 30 .0% 30 .0% 30 .0% 30 .0% 30 .0% 30 .0% 30 .0% 30 .0% 30 .0% 30 .0% 30 .0% 30 .0%Operating Cost Ratio 32 .0% 31 .4% 31 .1% 31 .1% 31 .3% 31 .8% 30 .8% 37 .4% 34 .6% 33 .1% 30 .4% 28.7%Borrowers ... 2,170 Depreciation and amortization 2 53 2 53 2 53 2 53 2 53 2 53 2 53 2 53 2 53 2 53 2 53 2 53 Total Operating Costs 13, 614 13, 630 13, 645 13, 660 13, 676 13, 538 13, 554 18,1 53 18,1 73 18,902 18,9 23 18,944Net Income ... 17, 436 18, 632 20, 631 21,7 53 22,582 Provision for loan losses 1,547 1,856 1,642 1,540 1,221 824 3, 506 3, 826 3, 9 73 5,212 5, 132 4, 932 Net Financial Margin 11,4 23 12, 138 12,457 13, 035 13, 3 13 13, 437 ...