La empresa inserta en el sector minorista y del crédito al consumo y ahorro, anunció sus resultados del segundo trimestre de 2017, reportando avances en las negociaciones de venta de 17 inmuebles siguiendo su plan de monetización de activos, una disminución de Ps.1,078 millones en su deuda bancaria y bursátil, el cierre selectivo de 9 unidades de negocio y la destacada subscripción de un préstamo por Ps.2,634 millones con Bancomext.
«Durante el segundo trimestre de 2017 continuamos avanzando en el fortalecimiento de nuestra estructura financiera, lo que nos permitirá mayor flexibilidad y liquidez en los siguientes trimestres, en los que anticipamos un dinamismo incremental de nuestras operaciones en México», comentó al respecto Humberto Garza Valdez, director general del Grupo. «A través del robustecimiento de la estructura del canal de cambaceo, buscaremos alcanzar una cobertura mayor a la de nuestra red de tiendas, aunado a la puntual ejecución de nuestras iniciativas, estimando alcanzar un Uafirda consolidado en línea con el rango de la Guía vigente».
En el mes de julio, Grupo Famsa avanzó en el fortalecimiento de su posición financiera con la suscripción de una nueva línea de crédito por Ps.2,634 millones con Bancomext, a una tasa de TIIE + 300 pbs y un plazo de 10 años, recursos que destinará a la amortización anticipada de 110 millones de dólares de sus bonos senior con vencimiento en 2020, y al pago de aproximadamente Ps.700 millones de deuda bancaria de corto plazo. Con esta operación, Grupo Famsa estima reducir en 43% su deuda en dólares, disminuyendo notablemente su exposición a fluctuaciones cambiarias.
Por otra parte, y en línea con el plan de monetización de activos, Grupo Famsa logró importantes avances en las negociaciones de compra-venta de 17 inmuebles con un valor comercial aproximado de Ps.1,100 millones, las cuales espera culminar en el transcurso de la segunda mitad del año. Los recursos obtenidos serán utilizados principalmente para la amortización de pasivos con costo, para disminuir apalancamiento de la compañía.
En el mismo sentido, durante el periodo, continuó realizando importantes esfuerzos para fortalecer su estructura financiera, logrando disminuir en 16.9% su deuda neta, la cual pasó de Ps.8,497 millones al 4T16 a Ps.7,063 millones al cierre del trimestre, gracias al uso de los recursos obtenidos de la monetización de activos conducida el trimestre pasado.
Siguiendo su estrategia de optimización operativa, durante el periodo, se llevó a cabo el cierre selectivo de 9 unidades de negocio: 1 tienda y 6 sucursales bancarias, en México, así como 2 tiendas en Estados Unidos, finalizando la primera mitad del año con una red de 861 unidades. Asimismo, para el segundo semestre de 2017 se anticipa el cierre de 3 tiendas, 4 sucursales bancarias y 10 sucursales prendarias en México, así como 3 tiendas en Estados Unidos; en pro de una estructura de negocios más eficiente. Asimismo, espera replicar el éxito obtenido en la operación de cambaceo para generación de créditos de nómina a sus categorías fundamentales, para tener un alcance superior al de su piso de ventas.
En cuanto a sus operaciones en México, en el 2T17 la Compañía registró un crecimiento en Ventas netas de 2.8% vs. el 2T16, en línea con el incremento de 2.4% AsA en VMT, donde la Compañía decidió privilegiar un crecimiento ordenado en el crédito al consumo. Por su parte, el Uafirda en México incrementó 4.7% vs. el 2T16, registrando una expansión en el margen Uafirda de 20 puntos base contra el mismo periodo del año anterior, reflejando la disminución en los gastos de operación originada por los ahorros generados por la optimización en la red de tiendas y sucursales bancarias, y la compactación del staff.
Respecto a los resultados de sus operaciones bancarias, Banco Famsa logró un sólido avance en captación bancaria, alcanzando los Ps.23,295 millones, representando un aumento de 18.0% frente al 2T16 y 10.6% vs. el 4T16; por su parte, el IMOR continuó disminuyendo, ubicándose al final del trimestre en un nuevo mínimo histórico de 8.3%, 80 y 20 puntos base menor respecto a su comparativo anual y secuencial, respectivamente, reflejo de una mayor calidad de los activos del portafolio de crédito, el cual se ha fortalecido por la mayor participación de clientes del sector formal, los cuales incrementaron su participación del 61% en el 2T16 al 66% en el periodo actual.
Superar los cuellos de botella en la cadena de suministro requiere un enfoque integral. Desde la identificación de problemas hasta la implementación de tecnologías y la contratación de personal adicional, las estrategias deben adaptarse a las necesidades específicas de cada empresa. La inversión en tecnologías innovadoras y la colaboración con expertos en logística son pasos clave hacia una cadena de suministro fluida y eficiente. Con un enfoque proactivo, las empresas pueden anticipar desafíos y garantizar un flujo continuo de productos hacia sus clientes.
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The wind and rain are shaky, but my heart is always at ease. Now, it seems that all the truths that I firmly believe in, copied from books, thought of by myself, as well as flying swords, boxing techniques, talismans, many natal objects and small worlds of the human body, have become a The sky loft that slowly lifted off the ground was like the mirage we encountered on the ferry before.
However, it seems that the fairy and Mr. Cai have not yet cooked the rice. In fact, there will still be surprises. For example, the former breaks through too quickly and becomes the first Dragon Gate monk in the history of Qingzhi Sect.He raised his gaze a little higher and looked farther. The pavilions and pavilions became clearer and clearer the farther away they were.
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Han Yushu looked down and sneered, Is it that Yu Pu or an immortal When the heavens and the earth come together, there will be a catastrophe.No wonder she was accepted as the guest of Jade Guizong. She probably really coveted the Creation Cave. The female swordsman said angrily, There Truth The Comprehensive Our Cbd Look Gummies About 66533 are the most people like Tongyezhou Their ability to escape is the best in the world Lu Hua Dao Lao Jindan sighed with emotion, To put it bluntly, it is better to hide in the mountains because of fear of death than those bastards who rely on monsters and beasts and do evil.
In the end, she couldn t hold it back and persuaded him Little girl, a man will die for his confidant, and a woman will look good for herself.In fact, Yang Huang, who drank less than him, was quite drunk. That night, Chen Pingan rested for a few hours in a familiar room.
But although the old man was anxious, he still looked calm and signed himself up, My Taoist name is Longsangong.The lady with the crown carrying a sword took the greeting invitation. She was not good at calligraphy, but she looked very strong.
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The baby she gives birth to will definitely be very beautiful.What happened to his precious great grandson He looked at the man and woman over there, his eyes calm, and he looked at them for a long time before slowly walking towards them.
Yesterday, Bai Luoxia was finally sentenced to three years in prison for attempted murder.You know she is already Brother Shaoting s woman You know clearly that she is already married to Brother Shaoting, even the children.
With that said, Gu Ruoyi walked towards the Gummies Cbd 2103 Sunmed And For Soothing Pain Inflammation bathroom.The little guy was very sad after hearing this. Children without a father are very pitiful, and so are children without a mother.
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Senior, please help me block the people who are chasing after me.That is to successfully avoid the two shadows.Shao Nan s flying sword has already deviated in a certain direction.
Shao Nan.What s going on Why are you so slow Yun Tianlin spoke first, very worried.Chapter 465 Who is the foil Min Haoyan had already guessed that the ranking might not be high, but he did not expect it to be so low.
At this time, Zihong Shinichi withdrew his consciousness in the restricted area of the volcano, and also shook his head with a smile.This is the case in the world of cultivating immortals, there will be competition if the strength is equal, but when the strength of the two is completely separated, the person with low strength can often only look up to the person with high strength.
Unfortunately, things backfired.When the late stage Foundation Establishment cultivator who was Of 144 How Verify Purity And Cbd It Oil The Organic Importance To running away found Shao Options Reviews And Best Gummies For Who Sells Sleep Cbd 25 Nan, his face was overjoyed, he quickly changed direction, and rushed towards Shao Nan.Chai Jingming suddenly came to his senses.Unless he never uses this culinary secret technique again Otherwise, it will definitely become the focus of others to hunt down in the future.
To be continued.Chapter 354 Zihuang, who was so arrogant just now, suddenly became wilted.Although the Dao Natural Sect knew that the two sects had declined a lot, they were unable to break through the opposing sect s protective formation.
It was made to protect itself.In the end, it was blown up by you, which made us cheaper.The action of Xinghuo Shinichi taking out the token did not escape Shao Nan s eyes.
Shao Nan fell into hesitation.However, this time, although Xiaocao Are Reasons Cbd A Cbd Gummies Gummies Why 1772 Must er knew what Shao Nan was thinking.Gu Yueyou suspected that she had fallen into an illusion, but Shao Nan had no doubts at all.
For the first time, Huo Linglong, who had been hiding in the magma, completely left the magma.Please support Chapter 420 Rare Spiritual Root I didn t find anything.
The contribution made by our Colorful Continent.Xinghuo Huyou continued to display his magic tricks, repeating what he said to the fire control geniuses.In the past three months, except for Shao Nan s communication with a few elders on duty, no one from the remaining Bibo Huanyue tribe has approached Alan once, and no one even talked to Alan when they met halfway.
Let Lan Yin master it in advance.At Gummies Inner Are Calm Cbd Right 059 These For Unleash You the same time, several possible locations for Lan Yin to appear were marked.Even a monk in the later stage of Jindan couldn t knock Biao s meteor hammer away.
Falling to the fifth level flying sword.Unless the monk expends blood essence before dying, he can maintain the level of the flying sword.In the end, you couldn t even make it to the leaderboard.
Shao Nan knew what Chai Jingming was going to do.When Chai Jingming left the cooking secrets to Shao Nan, Shao Nan was not polite.The next thing will be left to us.You will Hurry up and go back to the cave to have a rest, adjust your state, and prepare for the duel in Effectiveness Joe Cbd Facts Rogan Reviews And 6809 Gummies eight days.
Shao Nan looked at Fan Tianyou speechless for a while.Although Shao Nan s storage bracelet and the mysterious space contained countless essential items for going to sea, they were all purchased from Bailong City last time, but they were used to deceive people.
Leaving Internal diseases are treated with surgery.Everyone who knew his son knew that after the accident that year, the high punishment directly caused his family to fall apart.
not bad. Just sitting here, I happened to see the man packing dumplings and getting into the car at the door.Everyone who knew his son knew that after the accident that year, the high punishment directly caused his family to fall apart.
After handling it, he told Du Heng the time of the meeting and drove him away.Because he was so angry, the saliva from the corner of his mouth when he spoke directly splashed onto Professor Lu s face.
As for today s incident, let alone these Cbd Gummies In Buy Minnesota 925 students, even Du Heng himself has never encountered it.The content mentioned is the content of the conversation between Dr.
I ll give it to you again. Let me tell you one thing, do you know what the current price of American ginseng is I have an impression, what s wrong You should also know about the medicinal properties of American ginseng, right It has cooling properties and is a good qi tonifying product.The left shoulder was swollen over a large area, had fever, floating Relaxation Of Wellness 8090 For Cbd Gummies The Discover Power And Mushroom pulse, and yellow coating.
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Li Qin s face turned pale with fright when he heard the chatter in his ears.
Director Di came back from the meeting and said that many second and third tier or smaller regional hospitals In the obstetrics wards, the wards have been completely vacant for two or three months, and some obstetrics wards have only received one mother in half a year.Medicine is a technology, not a magic. It really can t be made out of nothing.
But at this moment, he suddenly remembered that when he was being pulled out just now, he seemed to vaguely see his bag being taken out.It s Review Labs Bio Benefits A Of And Comprehensive Potency 10326 Gummies Cbd Analysis Efficacy just that the village is relatively small, and the people visited and the old man are from the same village, so some of the content is inevitably biased.
The point is, just now After talking to Lan Changhua, I Puur Roume What 77543 Cbd Gummies Are learned that the process of treating the old man some time ago had been repeated again in the past few days.Say. I m going abroad. Du Heng s eyebrows instantly condensed into one Qiao Da, Going abroad What are you going to do Wu Shengnan said leisurely, The ministry has a mission to go to Serbia to do joint police patrols.
After Du Heng felt that Tang Jinhan was fine, he slowly inserted the needle, and then gently patted Tang Jinhan s shoulder.
Tang Jinhan was also very obedient and took a deep breath according to Du Heng s request.Wait Xiao Chen looked at Du Heng incredulously, Director Du, we have to User And Reviews Comprehensive 69611 Guide To Cbd Effectiveness Revolt A Lhirn Gummies Benefits wait here for five days.
Du Heng nodded firmly, Yes, we will wait for him for five days.
There was no embarrassment or embarrassment. Before I knew it, the twelve dishes on the table quickly disappeared.Yao Youshi was also surprised by the conditions offered by Du Heng, but he still knew the details of Du Heng, so he hid his surprise better and just nodded affirmatively to Wu Yueqing.
La empresa inserta en el sector minorista y del crédito al consumo y ahorro, anunció sus resultados del segundo trimestre de 2017, reportando avances en las negociaciones de venta de 17 inmuebles siguiendo su plan de monetización de activos, una disminución de Ps.1,078 millones en su deuda bancaria y bursátil, el cierre selectivo de 9 unidades de negocio y la destacada subscripción de un préstamo por Ps.2,634 millones con Bancomext.