INSTITUCIONES BANCARIAS

Perfil Financiero
Información referida al 31 de marzo de 2014

Cifras en miles de quetzales 2016 2017

PERFIL FINANCIERO 12/31/2016 12/31/2017
ACTIVO 79,206,321 86,463,354
DISPONIBILIDADES 9,514,955 11,565,988
Caja 893,765 1,003,469
Banco Central 6,029,545 8,304,743
Bancos del País 0 0
Bancos del Exterior 1,653,700 1,509,103
Cheques a Compensar 937,945 748,165
Giros sobre el Exterior 0 508
INVERSIONES 21,252,287 24,409,907
En Títulos-Valores para Negociación 0 0
En Títulos-Valores para la Venta 0 0
En Títulos-Valores para su Vencimiento 20,753,201 24,322,475
Operaciones de Reporto 501,205 91,294
Certificados de Participación 28,958 25,958
Intereses Pagados en Compra de Valores 13 1,270
SUMA 21,283,376 24,440,997
(-) Estimaciones por Valuación 31,090 31,090
CARTERA DE CRÉDITOS 44,742,989 46,620,824
Vigente 45,074,614 46,977,366
Vencidos 324,108 449,390
SUMA 45,398,722 47,426,756
(-) Estimaciones Por Valuación 655,732 805,932
PRODUCTOS FINANCIEROS POR COBRAR 404,732 399,153
CUENTAS POR COBRAR (Neto) 283,117 424,068
BIENES REALIZABLES (Neto) 51,164 70,663
INVERSIONES PERMANENTES (Neto) 563,895 588,895
OTRAS INVERSIONES (Neto) 204,531 208,260
SUCURSALES, CASA MATRIZ Y DEPARTAMENTOS
ADSCRITOS 0 0
INMUEBLES Y MUEBLES (Neto) 1,463,361 1,422,776
CARGOS DIFERIDOS (Neto) 725,290 752,821
PASIVO 73,300,065 79,358,209
OBLIGACIONES DEPOSITARIAS 50,401,522 55,275,273
Depósitos Monetarios 23,794,137 24,644,593
Depósitos de Ahorro 10,213,757 10,857,515
Depósitos a Plazo 16,189,338 19,581,276
Depósitos a la Orden 30,338 24,400
Depósitos con Restricciones 173,951 167,489
CRÉDITOS OBTENIDOS 20,071,434 20,518,164
Del Banco Central 0 0
De Instituciones Financieras Nacionales 0 0
De Instituciones Financieras Extranjeras 19,937,743 20,508,307
Organismos Internacionales 133,691 9,857
OBLIGACIONES FINANCIERAS 136,279 939,576
GASTOS FINANCIEROS POR PAGAR 299,542 308,042
CUENTAS POR PAGAR 857,485 801,870
PROVISIONES 22,034 23,597
SUCURSALES, CASA MATRIZ Y DEPARTAMENTOS
ADSCRITOS 0 0
OTRAS OBLIGACIONES 1,391,594 1,358,782
CRÉDITOS DIFERIDOS 20,264 26,995
SUMA 73,200,153 79,252,301
OTRAS CUENTAS ACREEDORAS 99,912 105,909
CAPITAL CONTABLE 5,906,256 7,105,145
CAPITAL PAGADO 2,309,140 2,359,140
Capital Autorizado 4,000,000 4,000,000
(-) Capital No Pagado 1,690,860 1,640,860
Casa Matriz, Capital Asignado 0 0
APORTACIONES PERMANENTES 876,209 1,201,209
RESERVA DE CAPITAL 1,457,453 2,202,725
RESERVAS PARA ACTIVOS EXTRAORDINARIOS 0 0
REVALUACIÓN DE ACTIVOS 56,835 56,596
OBLIGACIONES SUBORDINADAS 0 0
GANANCIAS Y PÉRDIDAS POR FUSIÓN 0 0
VALUACIÓN DE ACTIVOS DE RECUPERACIÓN DUDOSA 0 0
PROVISION DE BENEFICIOS A EMPLEADOS 0 0
AJUSTES AL IMPUESTO SOBRE LA RENTA 0 0
GANANCIAS O PÉRDIDAS POR CAMBIOS EN EL VALOR
DE MERCADO DE LAS INVERSIONES 0 0
RESULTADOS DE EJERCICIOS ANTERIORES 0 0
RESULTADOS DEL EJERCICIO 1,206,620 1,285,476
TOTAL IGUAL A LA SUMA DEL ACTIVO 79,206,321 86,463,354

ESTADO DE RESULTADOS
PRODUCTOS FINANCIEROS 4,854,285 5,194,217
GASTOS FINANCIEROS 2,725,718 2,820,014
MARGEN POR INVERSIÓN 2,128,567 2,374,203
PRODUCTOS POR SERVICIOS 371,218 371,908
GASTOS POR SERVICIOS 0 0
MARGEN POR SERVICIOS 371,218 371,908
OTROS PRODUCTOS Y GASTOS DE OPERACIÓN
Productos 613,809 600,688
Gastos 251,323 329,146
MARGEN OTROS PRODUCTOS Y GASTOS DE
OPERACIÓN 362,486 271,541
MARGEN OPERACIONAL BRUTO 2,862,271 3,017,652
GASTOS DE ADMINISTRACIÓN 1,664,123 1,723,303
MARGEN OPERACIONAL NETO 1,198,148 1,294,349
PRODUCTOS Y GASTOS EXTRAORDINARIOS 84,679 97,378
Productos Extraordinarios 88,701 102,000
Gastos Extraordinarios 4,022 4,622
PRODUCTOS Y GASTOS DE EJERCICIOS ANTERIORES 7,169 7,607
Productos de Ejercicios Anteriores 8,533 11,239
Gastos de Ejercicios Anteriores 1,364 3,632
GANANCIA (PÉRDIDA) BRUTA 1,289,996 1,399,334
IMPUESTO SOBRE LA RENTA 83,376 113,858
GANANCIA (PÉRDIDA) NETA 1,206,620 1,285,476

0.0909 0.0913
0.0723 0.0695

0.0076 0.0073
0.0102 0.01
0.0638 0.0607
0.0745 0.0684
0 0
0 0
0 0
0 0

0.0569 0.0586
0.0499 0.0503

0.0039 0.0038
0.0062 0.0056
0.034 0.0346
0 0
0 0
0.0825 0.0825
0 0
0 0

5710760 6410009
5692862 6344103
17898 65906

221959 257861
217330 220227
4629 37634

1 1
0.985 0.9842
 0.0001 0.0001
0.0098 0.0095
0.0051 0.0062
17047964 19602529

1 1
0.9976 0.995
0.0002 0.0001
0.0016 0.0043
0.0006 0.0006
28350758 27824227

1098864 1152257
16683233 17994549
1258552 1278105
8285328 8956044
18914 17961
13945467 17161060
207517 101484
26713 22357
61539 65692
163376 155948
125 90
136279 939576

64634 66916
7110904 6650045
54210 54473
1928429 1901470
1190 1139
2243871 2420216
7826 2889
3626 2043
2877 3086
10575 11541
0 0
0 0

6979506 8109197
6021136 6226920
958370 1882276

0.1877 0.2051
0.429 0.4624
0.0746 0.0822
0.1301 0.1498
0.1165 0.126
0.1176 0.1332
0.0041 0.0259

0.2415 0.216
0.0168 0.0173
0.0217 0.0213
0.5814 0.5711

0.0071 0.0095
2.0232 1.7934
Información Financiera por Institución de
Instituciones Bancarias

BANCO INDUSTRIAL, S. A. -Cifras en miles de quetzales- 12/31/2016 1/31/2017 2/28/2017 3/31/2017

ACTIVO 79,206,321 78,423,479 78,597,643 79,817,946
DISPONIBILIDADES 9,514,955 9,287,318 9,424,009 10,436,280
Caja 893,765 804,175 799,175 879,807
Banco Central 6,029,545 6,419,267 6,384,823 6,559,521
Bancos del País 0 0 0 0
Bancos del Exterior 1,653,700 1,657,379 1,879,252 2,578,184
Cheques a Compensar 937,945 406,486 360,676 418,768
Giros sobre el Exterior 0 12 83 0
INVERSIONES 21,252,287 20,881,788 21,010,121 21,626,469
En Títulos-Valores para Negociación 0 0 0 0
En Títulos-Valores para la Venta 0 0 0 0
En Títulos-Valores para su Vencimiento 20,753,201 20,792,695 20,921,110 21,437,507
Operaciones de Reporto 501,205 91,212 91,130 191,081
Certificados de Participación 28,958 28,958 28,958 28,958
Intereses Pagados en Compra de Valores 13 13 13 13
SUMA 21,283,376 20,912,877 21,041,211 21,657,559
(-) Estimaciones por Valuación 31,090 31,090 31,090 31,090
CARTERA DE CRÉDITOS 44,742,989 44,447,134 44,359,332 44,051,234
Vigente 45,074,614 44,763,501 44,729,970 44,462,435
Vencidos 324,108 349,477 304,964 275,535
SUMA 45,398,722 45,112,978 45,034,934 44,737,970
(-) Estimaciones Por Valuación 655,732 665,844 675,602 686,736
PRODUCTOS FINANCIEROS POR COBRAR 404,732 467,830 516,472 508,006
CUENTAS POR COBRAR (Neto) 283,117 283,722 249,860 256,798
BIENES REALIZABLES (Neto) 51,164 53,208 54,192 51,663
INVERSIONES PERMANENTES (Neto) 563,895 563,895 563,895 563,895
OTRAS INVERSIONES (Neto) 204,531 201,449 202,322 205,144
SUCURSALES, CASA MATRIZ Y DEPARTAMENTOS
ADSCRITOS 0 0 0 0
INMUEBLES Y MUEBLES (Neto) 1,463,361 1,450,165 1,446,352 1,443,668
CARGOS DIFERIDOS (Neto) 725,290 786,971 771,089 674,789
PASIVO 73,300,065 72,407,917 72,463,402 73,576,264
OBLIGACIONES DEPOSITARIAS 50,401,522 50,186,940 49,838,493 50,561,469
Depósitos Monetarios 23,794,137 23,520,528 22,940,415 22,979,863
Depósitos de Ahorro 10,213,757 10,295,204 10,422,546 10,486,671
Depósitos a Plazo 16,189,338 16,162,382 16,272,892 16,841,417
Depósitos a la Orden 30,338 30,041 30,224 30,491
Depósitos con Restricciones 173,951 178,785 172,417 223,026
CRÉDITOS OBTENIDOS 20,071,434 19,527,642 19,506,476 19,569,123
Del Banco Central 0 0 0 0
De Instituciones Financieras Nacionales 0 0 0 0
De Instituciones Financieras Extranjeras 19,937,743 19,397,473 19,289,729 19,353,222
Organismos Internacionales 133,691 130,169 216,747 215,901
OBLIGACIONES FINANCIERAS 136,279 136,279 578,176 949,151
GASTOS FINANCIEROS POR PAGAR 299,542 267,532 289,573 341,591
CUENTAS POR PAGAR 857,485 751,712 704,445 628,481
PROVISIONES 22,034 29,278 35,811 42,909
SUCURSALES, CASA MATRIZ Y DEPARTAMENTOS
ADSCRITOS 0 0 0 0
OTRAS OBLIGACIONES 1,391,594 1,382,771 1,363,176 1,357,856
CRÉDITOS DIFERIDOS 20,264 17,642 18,386 25,612
SUMA 73,200,153 72,299,796 72,334,535 73,476,191
OTRAS CUENTAS ACREEDORAS 99,912 108,120 128,866 100,073
CAPITAL CONTABLE 5,906,256 6,015,563 6,134,242 6,241,682
CAPITAL PAGADO 2,309,140 2,309,140 2,309,140 2,309,140
Capital Autorizado 4,000,000 4,000,000 4,000,000 4,000,000
(-) Capital No Pagado 1,690,860 1,690,860 1,690,860 1,690,860
Casa Matriz, Capital Asignado 0 0 0 0
APORTACIONES PERMANENTES 876,209 876,209 876,209 876,209
RESERVA DE CAPITAL 1,457,453 1,457,453 1,457,453 1,457,453
RESERVAS PARA ACTIVOS EXTRAORDINARIOS 0 0 0 0
REVALUACIÓN DE ACTIVOS 56,835 56,815 56,795 56,775
OBLIGACIONES SUBORDINADAS 0 0 0 0
GANANCIAS Y PÉRDIDAS POR FUSIÓN 0 0 0 0
VALUACIÓN DE ACTIVOS DE RECUPERACIÓN DUDOSA 0 0 0 0
PROVISION DE BENEFICIOS A EMPLEADOS 0 0 0 0
AJUSTES AL IMPUESTO SOBRE LA RENTA 0 0 0 0
GANANCIAS O PÉRDIDAS POR CAMBIOS EN EL VALOR DE
MERCADO DE LAS INVERSIONES 0 0 0 0
RESULTADOS DE EJERCICIOS ANTERIORES 0 1,206,620 1,206,620 1,206,620
RESULTADOS DEL EJERCICIO 1,206,620 109,326 228,025 335,485
TOTAL IGUAL A LA SUMA DEL ACTIVO 79,206,321 78,423,479 78,597,643 79,817,946

ESTADO DE RESULTADOS
PRODUCTOS FINANCIEROS 4,854,285 419,925 798,440 1,259,918
GASTOS FINANCIEROS 2,725,718 228,802 439,657 670,138
MARGEN POR INVERSIÓN 2,128,567 191,124 358,784 589,781
PRODUCTOS POR SERVICIOS 371,218 31,737 60,144 88,768
GASTOS POR SERVICIOS 0 0 0 0
MARGEN POR SERVICIOS 371,218 31,737 60,144 88,768
OTROS PRODUCTOS Y GASTOS DE OPERACIÓN
Productos 613,809 51,888 123,983 146,562
Gastos 251,323 21,667 43,333 65,000

MARGEN OTROS PRODUCTOS Y GASTOS DE OPERACIÓN 362,486 30,221 80,650 81,562

MARGEN OPERACIONAL BRUTO 2,862,271 253,082 499,577 760,110
GASTOS DE ADMINISTRACIÓN 1,664,123 140,346 280,462 422,398
MARGEN OPERACIONAL NETO 1,198,148 112,736 219,115 337,712
PRODUCTOS Y GASTOS EXTRAORDINARIOS 84,679 6,084 16,281 23,380
Productos Extraordinarios 88,701 6,127 16,374 23,597
Gastos Extraordinarios 4,022 42 93 217
PRODUCTOS Y GASTOS DE EJERCICIOS ANTERIORES 7,169 -601 4,594 6,845
Productos de Ejercicios Anteriores 8,533 252 5,447 7,860
Gastos de Ejercicios Anteriores 1,364 853 853 1,015
GANANCIA (PÉRDIDA) BRUTA 1,289,996 118,219 239,991 367,937
IMPUESTO SOBRE LA RENTA 83,376 8,893 11,965 32,451
GANANCIA (PÉRDIDA) NETA 1,206,620 109,326 228,025 335,485
TASAS DE INTERÉS PROMEDIO PONDERADAS
MONEDA NACIONAL
OPERACIONES ACTIVAS
Préstamos 9.09% 9.07% 9.06% 9.07%
Documentos Descontados 7.23% 7.21% 7.19% 7.23%
OPERACIONES PASIVAS
Depósitos Monetarios 0.76% 0.79% 0.72% 0.73%
Depósitos de Ahorro 1.02% 1.09% 1.09% 1.08%
Depósitos a Plazo 6.38% 6.30% 6.25% 6.20%
Bonos 7.45% 7.45% 6.91% 6.85%
Pagarés Financieros 0.00% 0.00% 0.00% 0.00%
Obligaciones Subordinadas 0.00% 0.00% 0.00% 0.00%
Obligaciones Financieras con Restricciones 0.00% 0.00% 0.00% 0.00%
Obligaciones Convertibles en Acciones 0.00% 0.00% 0.00% 0.00%
MONEDA EXTRANJERA
OPERACIONES ACTIVAS
Préstamos 5.69% 5.79% 5.77% 5.75%
Documentos Descontados 4.99% 5.01% 5.05% 5.03%
OPERACIONES PASIVAS
Depósitos Monetarios 0.39% 0.47% 0.52% 0.54%
Depósitos de Ahorro 0.62% 0.73% 0.87% 0.90%
Depósitos a Plazo 3.40% 3.41% 3.40% 3.36%
Bonos 0.00% 0.00% 0.00% 0.00%
Pagarés Financieros 0.00% 0.00% 0.00% 0.00%
Obligaciones Subordinadas 8.25% 8.25% 8.25% 8.25%
Obligaciones Financieras con Restricciones 0.00% 0.00% 0.00% 0.00%
Obligaciones Convertibles en Acciones 0.00% 0.00% 0.00% 0.00%
ENCAJE LEGAL
MONEDA NACIONAL
Encaje Computable 5,710,760 5,742,041 5,675,505 5,702,369
Encaje Requerido 5,692,862 5,730,270 5,653,009 5,683,743
Posición 17,898 11,772 22,495 18,626
MONEDA EXTRANJERA /Cifras en miles de Dólares
Encaje Computable 221,959 220,846 217,854 219,618
Encaje Requerido 217,330 214,305 216,046 217,869
Posición 4,629 6,541 1,808 1,748
CARTERA DE CRÉDITOS
MONEDA NACIONAL
TOTAL DE CARTERA DE CRÉDITOS (BRUTA) 100.00% 100.00% 100.00% 100.00%
Vigente 98.50% 98.44% 98.62% 98.73%
Vencidos en Proceso de Prórroga 0.01% 0.02% 0.01% 0.01%
Vencidos en Cobro Administrativo 0.98% 0.99% 0.81% 0.70%
Vencidos en Cobro Judicial 0.51% 0.55% 0.56% 0.56%
Monto total de Cartera de Créditos (Bruta) 17,047,964 17,378,236 17,653,115 18,066,120
MONEDA EXTRANJERA
TOTAL DE CARTERA DE CRÉDITOS (BRUTA) 100.00% 100.00% 100.00% 100.00%
Vigente 99.76% 99.72% 99.78% 99.82%
Vencidos en Proceso de Prórroga 0.02% 0.04% 0.01% 0.02%
Vencidos en Cobro Administrativo 0.16% 0.16% 0.13% 0.07%
Vencidos en Cobro Judicial 0.06% 0.09% 0.08% 0.08%
Monto total de Cartera de Créditos (Bruta) 28,350,758 27,734,742 27,381,819 26,671,850

DEPÓSITOS
MONEDA NACIONAL
No. de Cuentas Depósitos Monetarios 1,098,864 1,105,834 1,112,367 1,120,909
Monto Depósitos Monetarios 16,683,233 17,150,037 16,261,614 16,335,560
No. de Cuentas Depósitos de Ahorro 1,258,552 1,269,453 1,277,265 1,281,551
Monto Depósitos de Ahorro 8,285,328 8,319,497 8,296,928 8,378,122
No. de Cuentas Depósitos a Plazo 18,914 18,756 18,644 18,561
Monto Depósitos a Plazo 13,945,467 13,886,852 14,057,289 14,637,428
No. de Cuentas a la Orden 207,517 208,673 209,853 210,980
Monto Depósitos a la Orden 26,713 26,514 26,733 27,031
No. de Cuentas Depósitos con Restricciones 61,539 62,121 62,482 63,304
Monto Depósitos con Restricciones 163,376 168,358 162,073 212,426
No. de Obligaciones Financieras 125 125 125 121
Monto Obligaciones Financieras 136,279 136,279 578,176 949,151
MONEDA EXTRANJERA
No. de Cuentas Depósitos Monetarios 64,634 64,841 65,016 65,299
Monto Depósitos Monetarios 7,110,904 6,370,491 6,678,800 6,644,304
No. de Cuentas Depósitos de Ahorro 54,210 54,400 54,423 54,509
Monto Depósitos de Ahorro 1,928,429 1,975,707 2,125,619 2,108,549
No. de Cuentas Depósitos a Plazo 1,190 1,187 1,179 1,175
Monto Depósitos a Plazo 2,243,871 2,275,531 2,215,603 2,203,989
No. de Cuentas a la Orden 7,826 7,860 7,878 7,912
Monto Depósitos a la Orden 3,626 3,527 3,491 3,460
No. de Cuentas Depósitos con Restricciones 2,877 2,900 2,904 2,944
Monto Depósitos con Restricciones 10,575 10,427 10,344 10,601
No. de Obligaciones Financieras 0 0 0 0
Monto Obligaciones Financieras 0 0 0 0
POSICIÓN PATRIMONIAL
CAPITAL COMPUTABLE 6,979,506 7,074,288 7,198,435 7,319,410
CAPITAL REQUERIDO 6,021,136 6,020,689 5,967,166 5,931,236
POSICIÓN 958,370 1,053,600 1,231,268 1,388,173
INDICADORES FINANCIEROS
LIQUIDEZ
Liquidez inmediata (LI) 18.77% 18.40% 18.63% 20.19%
Liquidez mediata (LM) 42.90% 42.57% 42.92% 44.51%
SOLVENCIA
Patrimonio con relación a activos (PA) 7.46% 7.67% 7.80% 7.82%
Patrimonio con relación a cartera de créditos (PCC) 13.01% 13.33% 13.62% 13.95%
Patrimonio con relación a las captaciones (PCA) 11.65% 11.92% 12.13% 12.08%
Adecuación de capital (AC) 11.76% 11.93% 12.28% 12.59%
Calce de operaciones ME con relación al patrimonio
computable (COME) 0.41% -0.47% 1.93% 1.00%
RENTABILIDAD
Rendimiento sobre patrimonio (ROE) 24.15% 24.26% 24.24% 24.53%
Rendimiento sobre activos (ROA) 1.68% 1.70% 1.72% 1.76%
Eficiencia sobre activos (EA) 2.17% 2.16% 2.16% 2.15%
Eficiencia (EF) 58.14% 57.72% 57.59% 56.89%
CALIDAD DE ACTIVOS
Cartera de créditos vencida con relación a cartera de
créditos bruta (CVC) 0.71% 0.77% 0.68% 0.62%
Cobertura de cartera de créditos en riesgo (CCR) 202.32% 190.53% 221.54% 249.24%
4/30/2017 5/31/2017 6/30/2017 7/31/2017 8/31/2017 9/30/2017 10/31/2017 11/30/2017
79,783,429 79,870,174 80,368,660 80,357,334 80,663,409 82,073,236 82,799,158 82,918,135
10,317,432 10,107,531 10,187,118 9,019,706 8,932,942 9,649,106 9,614,639 9,257,442
686,561 871,437 879,787 770,281 1,035,618 750,857 1,019,514 1,029,866
7,076,546 6,668,256 7,245,442 6,472,164 6,577,901 7,039,649 7,083,912 6,688,087
0 0 0 0 0 0 0 0
1,941,498 2,265,017 1,558,727 1,358,754 909,594 1,381,875 1,156,003 1,153,564
612,826 299,797 503,162 415,109 409,623 476,718 355,210 385,742
0 3,024 0 3,398 206 7 0 184
21,598,008 20,711,657 21,192,964 22,586,384 23,025,643 23,374,692 24,105,485 24,067,270
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
21,508,832 20,622,627 21,113,866 22,497,373 22,933,372 23,274,386 24,008,262 23,976,940
91,295 91,149 81,230 91,143 91,258 91,187 91,200 91,192
28,958 28,958 28,958 28,958 28,958 28,958 28,958 28,958
13 13 0 0 3,145 11,250 8,155 1,270
21,629,098 20,742,747 21,224,054 22,617,474 23,056,733 23,405,782 24,136,574 24,098,360
31,090 31,090 31,090 31,090 31,090 31,090 31,090 31,090
44,110,708 45,297,151 45,324,849 44,937,694 44,885,198 45,180,005 45,168,453 45,731,935
44,518,296 45,635,069 45,755,472 45,334,684 45,167,429 45,454,843 45,444,901 45,966,385
289,816 387,795 306,373 348,298 473,100 491,725 498,456 549,130
44,808,113 46,022,864 46,061,845 45,682,982 45,640,529 45,946,569 45,943,356 46,515,515
697,405 725,713 736,996 745,288 755,331 766,564 774,903 783,581
492,193 488,131 395,513 460,343 478,790 503,326 515,702 514,709
285,515 289,344 315,575 306,978 319,335 373,706 318,531 283,023
54,295 58,488 61,384 65,290 68,179 68,299 73,637 74,566
563,895 563,895 563,895 563,895 563,895 588,895 588,895 588,895
201,173 204,850 207,871 203,673 206,262 210,417 206,845 209,024

0 0 0 0 0 0 0 0
1,442,696 1,449,050 1,445,781 1,473,827 1,468,857 1,439,325 1,437,717 1,440,565
717,516 700,078 673,711 739,546 714,309 685,465 769,255 750,706
73,903,535 73,890,986 73,958,479 73,790,961 73,971,227 75,274,993 75,899,661 75,906,103
51,082,021 51,741,562 52,045,248 52,668,182 52,601,658 53,158,625 53,686,315 53,734,106
23,014,971 22,948,358 23,023,634 23,044,612 22,759,991 22,975,628 23,453,577 23,397,039
10,536,127 10,652,278 10,609,968 10,746,333 10,722,000 10,716,222 10,621,013 10,633,231
17,279,679 17,866,500 18,134,102 18,599,811 18,841,103 19,206,558 19,403,131 19,495,047
29,967 29,786 30,055 30,593 30,494 30,828 31,137 31,030
221,277 244,640 247,490 246,832 248,071 229,390 177,457 177,759
19,265,581 18,661,935 18,499,183 17,750,467 17,897,156 18,615,071 18,669,577 18,676,106
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
19,052,332 18,448,286 18,286,041 17,541,465 17,884,763 18,602,587 18,659,723 18,666,253
213,249 213,650 213,142 209,002 12,393 12,484 9,854 9,853
 949,126 946,326 942,026 941,885 939,576 939,576 939,576 939,576
385,401 318,951 302,156 259,559 298,261 343,325 396,770 332,718
679,346 643,678 659,313 653,030 683,916 679,929 649,138 676,355
49,921 56,903 27,523 34,794 41,945 48,801 55,941 16,283

0 0 0 0 0 0 0 0
1,357,687 1,360,238 1,357,005 1,347,235 1,348,809 1,358,690 1,358,401 1,358,152
23,494 20,025 17,677 17,921 17,830 26,464 26,448 25,293
73,792,577 73,749,619 73,850,130 73,673,073 73,829,151 75,170,480 75,782,166 75,758,589
110,958 141,366 108,349 117,887 142,076 104,514 117,495 147,515
5,879,894 5,979,189 6,410,182 6,566,373 6,692,182 6,798,242 6,899,497 7,012,031
2,309,140 2,309,140 2,309,140 2,309,140 2,359,140 2,359,140 2,359,140 2,359,140
4,000,000 4,000,000 4,000,000 4,000,000 4,000,000 4,000,000 4,000,000 4,000,000
1,690,860 1,690,860 1,690,860 1,690,860 1,640,860 1,640,860 1,640,860 1,640,860
0 0 0 0 0 0 0 0
876,209 876,209 1,196,136 1,247,802 1,201,209 1,201,209 1,201,209 1,201,209
2,203,740 2,202,725 2,202,725 2,202,725 2,202,725 2,202,725 2,202,725 2,202,725
0 0 0 0 0 0 0 0
56,755 56,735 56,715 56,695 56,675 56,655 56,635 56,616
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
434,050 534,380 645,466 750,012 872,434 978,514 1,079,788 1,192,343
79,783,429 79,870,174 80,368,660 80,357,334 80,663,409 82,073,236 82,799,158 82,918,135

1,666,473 2,067,231 2,528,115 2,956,682 3,371,873 3,844,662 4,281,322 4,690,502

897,733 1,133,960 1,365,967 1,604,906 1,845,186 2,083,172 2,329,439 2,570,927
768,740 933,271 1,162,148 1,351,776 1,526,687 1,761,491 1,951,882 2,119,575
116,734 148,520 182,676 211,266 241,324 270,045 298,677 328,141
0 0 0 0 0 0 0 0
116,734 148,520 182,676 211,266 241,324 270,045 298,677 328,141

199,942 277,939 297,168 348,106 426,949 444,812 498,142 577,219

86,667 123,475 145,142 167,385 189,444 211,415 235,377 257,364

113,275 154,464 152,026 180,721 237,505 233,397 262,765 319,855

998,749 1,236,255 1,496,850 1,743,763 2,005,516 2,264,933 2,513,325 2,767,570
563,889 704,771 848,394 991,147 1,133,931 1,279,573 1,426,651 1,570,393
434,860 531,484 648,456 752,616 871,585 985,360 1,086,673 1,197,178
30,027 39,145 45,706 53,706 62,070 71,494 80,356 88,554
30,604 39,841 46,948 55,372 63,862 73,539 82,735 91,146
 577 695 1,242 1,666 1,792 2,046 2,380 2,592
6,173 5,817 5,636 5,867 5,874 5,864 5,087 4,929
7,926 7,921 7,872 8,106 8,118 8,128 8,136 8,160
1,752 2,104 2,236 2,239 2,244 2,264 3,048 3,231
471,060 576,446 699,797 812,189 939,529 1,062,718 1,172,116 1,290,660
37,011 42,066 54,331 62,178 67,095 84,204 92,328 98,318
434,050 534,380 645,466 750,012 872,434 978,514 1,079,788 1,192,343

9.09% 9.00% 9.04% 9.06% 9.10% 9.13% 9.15% 9.17%

7.22% 7.22% 7.22% 7.18% 7.18% 7.14% 7.11% 6.95%

0.74% 0.72% 0.67% 0.68% 0.68% 0.69% 0.71% 0.71%

1.07% 1.07% 1.13% 1.12% 1.11% 1.05% 1.00% 1.03%
6.16% 6.13% 6.10% 6.09% 6.08% 6.07% 6.07% 6.06%
6.85% 6.85% 6.85% 6.82% 6.84% 6.84% 6.84% 6.84%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

5.77% 5.76% 5.78% 5.86% 5.85% 5.86% 5.86% 5.85%

4.82% 4.86% 4.87% 4.84% 4.85% 4.92% 4.90% 4.74%

0.51% 0.46% 0.46% 0.46% 0.38% 0.38% 0.38% 0.38%

0.89% 0.96% 0.68% 0.74% 0.69% 0.63% 0.62% 0.64%
3.36% 3.40% 3.42% 3.43% 3.44% 3.45% 3.44% 3.43%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
8.25% 8.25% 8.25% 8.25% 8.25% 8.25% 8.25% 8.25%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

5,789,389 5,877,214 5,948,577 6,056,691 6,043,277 6,154,902 6,191,456 6,203,481

5,755,492 5,862,772 5,918,342 6,035,934 6,031,301 6,128,822 6,176,579 6,185,278
33,897 14,442 30,236 20,757 11,976 26,080 14,877 18,203

222,494 225,648 231,518 224,866 226,712 225,208 219,391 220,895

215,722 219,633 225,157 220,659 223,687 221,067 215,627 218,051
6,773 6,014 6,360 4,206 3,025 4,141 3,765 2,844

100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%

98.67% 98.40% 98.61% 98.51% 98.31% 98.26% 98.22% 98.04%
 0.01% 0.00% 0.01% 0.01% 0.01% 0.02% 0.01% 0.02%
0.74% 1.04% 0.75% 0.87% 1.04% 1.06% 1.12% 1.24%
0.58% 0.56% 0.63% 0.61% 0.64% 0.66% 0.65% 0.70%
18,138,527 19,200,467 19,064,691 19,070,650 19,108,611 19,070,080 19,261,673 19,519,204

100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%

99.81% 99.70% 99.84% 99.76% 99.44% 99.40% 99.42% 99.38%
0.02% 0.03% 0.02% 0.02% 0.02% 0.05% 0.05% 0.04%
0.09% 0.19% 0.06% 0.13% 0.45% 0.46% 0.46% 0.49%
0.07% 0.08% 0.07% 0.09% 0.09% 0.09% 0.07% 0.08%
26,669,586 26,822,397 26,997,154 26,612,332 26,531,919 26,876,488 26,681,683 26,996,311

1,122,838 1,128,934 1,131,439 1,134,911 1,138,426 1,141,291 1,145,975 1,151,416

16,676,584 16,230,972 16,587,566 16,780,063 16,411,191 16,624,464 17,184,209 16,928,573
1,280,658 1,255,210 1,259,085 1,262,160 1,268,260 1,268,154 1,271,538 1,276,887
8,465,333 8,481,545 8,638,054 8,777,755 8,773,444 8,771,878 8,697,774 8,697,222
18,467 18,373 18,383 18,310 18,259 18,213 18,121 18,028
15,147,277 15,442,752 15,685,041 16,087,114 16,407,202 16,810,398 17,002,507 17,072,913
211,910 212,938 213,935 214,988 216,143 217,470 218,622 147,979
26,601 26,372 26,624 27,224 27,112 27,389 27,110 27,138
64,228 64,712 65,501 66,440 67,286 68,006 68,509 69,134
210,277 227,808 230,942 230,301 231,455 217,847 164,859 165,501
121 118 115 108 90 90 90 90
949,126 946,326 942,026 941,885 939,576 939,576 939,576 939,576

65,372 65,716 65,879 66,093 66,337 66,534 66,721 66,855

6,338,387 6,717,386 6,436,068 6,264,550 6,348,800 6,351,164 6,269,367 6,468,466
54,555 53,899 53,976 54,093 54,206 54,280 54,362 54,431
2,070,794 2,170,733 1,971,914 1,968,578 1,948,556 1,944,344 1,923,239 1,936,008
1,168 1,161 1,166 1,169 1,155 1,141 1,138 1,137
2,132,402 2,423,748 2,449,061 2,512,697 2,433,901 2,396,160 2,400,624 2,422,135
7,942 7,988 8,048 8,094 8,159 8,229 8,448 6,621
3,366 3,414 3,431 3,369 3,382 3,439 4,027 3,892
2,965 2,989 3,003 3,028 3,050 3,072 3,097 3,113
10,999 16,831 16,548 16,532 16,616 11,543 12,597 12,258
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0

6,958,688 7,096,236 7,542,752 7,480,178 7,626,629 7,739,031 7,843,075 7,976,896

5,939,236 6,057,438 6,051,680 6,051,739 5,993,895 6,004,867 6,023,061 6,067,346
1,019,452 1,038,797 1,491,072 1,428,440 1,632,734 1,734,164 1,820,014 1,909,551

19.76% 19.12% 19.17% 16.77% 16.63% 17.78% 17.54% 16.87%

44.12% 42.64% 43.34% 43.73% 44.14% 44.80% 45.37% 44.84%
 7.37% 7.49% 7.98% 8.17% 8.30% 8.28% 8.33% 8.46%
13.12% 12.99% 13.92% 14.37% 14.66% 14.80% 15.02% 15.07%
11.26% 11.31% 12.06% 12.21% 12.46% 12.52% 12.59% 12.78%
11.89% 11.89% 12.71% 12.59% 12.99% 13.17% 13.32% 13.45%

0.53% 1.48% 2.84% 4.36% 0.67% -0.61% -0.93% -0.98%

24.25% 23.98% 23.80% 23.63% 23.31% 22.74% 22.38% 22.05%

1.76% 1.76% 1.78% 1.79% 1.79% 1.77% 1.76% 1.75%
2.13% 2.14% 2.13% 2.13% 2.13% 2.13% 2.13% 2.13%
56.67% 56.54% 56.18% 56.03% 56.10% 56.48% 56.65% 56.72%

0.65% 0.84% 0.67% 0.76% 1.04% 1.07% 1.08% 1.18%

240.64% 187.14% 240.56% 213.98% 159.66% 155.89% 155.46% 142.69%
12/31/2017
86,463,354
11,565,988
1,003,469
8,304,743
0
1,509,103
748,165
508
24,409,907
0
0
24,322,475
91,294
25,958
1,270
24,440,997
31,090
46,620,824
46,977,366
449,390
47,426,756
805,932
399,153
424,068
70,663
588,895
208,260

0
1,422,776
752,821
79,358,209
55,275,273
24,644,593
10,857,515
19,581,276
24,400
167,489
20,518,164
0
0
20,508,307
9,857
 939,576
308,042
801,870
23,597

0
1,358,782
26,995
79,252,301
105,909
7,105,145
2,359,140
4,000,000
1,640,860
0
1,201,209
2,202,725
0
56,596
0
0
0
0
0

0
0
1,285,476
86,463,354

5,194,217
2,820,014
2,374,203
371,908
0
371,908

600,688
329,146

271,541
3,017,652
1,723,303
1,294,349
97,378
102,000
 4,622
7,607
11,239
3,632
1,399,334
113,858
1,285,476

9.13%
6.95%

0.73%
1.00%
6.07%
6.84%
0.00%
0.00%
0.00%
0.00%

5.86%
5.03%

0.38%
0.56%
3.46%
0.00%
0.00%
8.25%
0.00%
0.00%

6,410,009
6,344,103
65,906

257,861
220,227
37,634

100.00%
98.42%
 0.01%
0.95%
0.62%
19,602,529

100.00%
99.50%
0.01%
0.43%
0.06%
27,824,227

1,152,257
17,994,549
1,278,105
8,956,044
17,961
17,161,060
101,484
22,357
65,692
155,948
90
939,576

66,916
6,650,045
54,473
1,901,470
1,139
2,420,216
2,889
2,043
3,086
11,541
0
0

8,109,197
6,226,920
1,882,276

20.51%
46.24%
 8.22%
14.98%
12.60%
13.32%

2.59%

21.60%
1.73%
2.13%
57.11%

0.95%
179.34%
C
A
M
E
L
2016 2017 2016 2017