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.
El año 2024 se presenta como un periodo emocionante y desafiante para la fabricación aditiva. Los avances tecnológicos, las tendencias sectoriales y la evolución en la gestión de la cadena de suministro están destinados a redefinir la industria, marcando un camino hacia un futuro donde la impresión 3D desempeñará un papel cada vez más crucial en la fabricación moderna.
A través de estas apps los usuarios de GM México tienen acceso remoto a la info de sus vehículos mediante sus smartphones con el mismo usuario y contraseña del Centro de Propietarios.
He walked into a shop called Baodan Pavilion and went directly to the fourth floor.Three alchemy masters have used Taichu Baoding for nearly a thousand years, and many alchemy masters have continued to use it since.
Based on the characteristics of Nanming Lihuo, ibz15 came up with this plan after countless simulations.If you could join a large sect somewhere, you would have access to so many classics Fellow Taoist, wait a moment, let me do the math The early stage Golden Elixir cultivator did not expect that Li Shiming would take all of it.
This takes time to complete slowly, which is why Li Shiming doesn t want to give up Wan Jianfeng.Not to mention that monks are not afraid of radiation, according to the radiation analysis of the natal magic weapon IBMz15 on the sword shaped magic weapon Hell weary Crystal , it was concluded that it has a harmful impact on Nascent Soul monks.
A large number of monks gathered here, and these monks formed a commercial area around Yuxiang Trading Company, making this peninsula look extremely prosperous.Now the old Marquis can t protect you. What Qin Hu opened his eyes When he looked around, he saw that he was staying in a tent, and in front of him was a soldier wearing leather armor.
Many monks are gathering from all directions, and even many golden elixir monks are coming to join in the fun.Of course, this is conceivable. Most of the golden elixir monks at the Great Elder level are in a state of retreat.
When she thought about it, Yin Shilan must have been angry when she left without saying goodbye.I ve met the master Elder Jian opened his eyes and saluted Patriarch Lu.
I went into seclusion because I suffered some injuries in the battle with the Great Elder Shi Ming Li Yuanba admitted.Why did the monk of Xuanming Sect bring two storage bags He no longer had any psychological pressure.
At the same time, drones and satellites are always monitoring the movement of the flying boat.But this is a specialty of the Holy Ice Sect, and its output is very small.
It was almost impossible to obtain so many third grade resources by emptying the treasure troves of multiple forces.He also did not want the Yuqing Sect to find out that Li Shiming had practiced the Yu Qing Thunder Code.
Seeing the scene in front of them, they all rushed to help and surrounded them.However, if such a person joins the gang, he will not need to be tested, and there is no need to be careful that he is a spy Hemp Gummy Benefits: A Comprehensive Guide to Overall Wellness (TCbqa)
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Ye Ling calmly flew to the ice sculpture of Dongyang Sect Senior Brother, melted the ice on his right hand, and snatched the talisman Seeing that Senior Brother Deng was in danger, all the disciples of the Dongyang Sect started shouting Old Monster Su from the Demon Flame Palace If you kill Senior Brother Deng, our whole sect will be your enemy Ye Ling was slightly startled and looked around.
If you are exhausted, I will use the crane talisman to resist the upcoming catastrophe for you.At this time, beside the armor ring, the Golden elixir Taoist nun from the Five Elements Immortal Sect suddenly stood up.
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so miserable So although Ye Ling was wary, he continued to crack the ice coffin s forbidden formation and continued to analyze and deduce it.Please accept it with the captain s approval. Hongtang and Qingwan both frowned slightly, very dissatisfied with Yao Guangxu s departure from the team.
Although they were dressed luxuriously, they could not conceal their embarrassment.Come on, the wind spirit energy contained in it is really appalling Ye Ling thought for a moment and took a picture of the demon sealing map.
The cliffs and trees in the Zeshan Mountains and the demon cultivators on the seaside are also difficult to detect.The door must have encountered some trouble. This sound hit the guarding monk s ears, making his whole head buzz, as if his head had grown three times.
Huh No There are people on the backs of both sea beasts They are calling us, go and ask for help Four Golden Pavilion Immortals The disciples of Sect first exclaimed.When the ice coffin was opened, there was only a child s skeleton in the entire coffin, which was as smooth as ice jade.
We three sisters will have to go there one by one later.Ye Ling thought about all this and couldn t help but feel The sneer didn t show on his face, but he pretended to mutter Junior, I have received Shi Zun s great love.
Discounted Worse than an eighth level spirit beast, only a fool would buy it.He drove his sword light through remote mountain ravines.
Young Master Miao pointed. Looking at the Golden Crow Cave, he said with great satisfaction Master Mu Alchemy, please take a look This huge cave was recently acquired by our Nanyu Sect.Ye Ling also No matter where you are, the most important thing now is to heal When he was finally teleported, Ye Ling was attacked by the consciousness of the Red Lotus Fairy.
Uncle Ye You are finally back While you were away, our Zixiao Peak was sealed off.By the time he realized it, his soul was already damaged Looking back at the lightning that seemed to have the power to destroy the heaven and the earth, Su Laomo had no time Fast Track Your Weight Loss Journey with This 9-Food Hindi Diet Chart
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essence.Jiang Yuebai was eager to kill the drought demon with his own hands to avenge his father, mother and brother.
It was indeed an eighth level tiger demon. At this moment, it was glaring at Jiang Yuebai.She doesn t know where to play yet. Xie Jingshan continued to walk forward and said in a muffled voice The Fengyun Club is held every fifty years by the Kong Fang family, representing the cultivating family, together with the sect alliance Finding the Best Sleep Weed Gummies for a Restful Night's Sleep (hviXH)
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All our wishes and hatreds can be dissipated. Moreover, I was too much towards you last time.The spiritual fruit tree was so huge that Jiang Yuebai couldn t finish it in a short while, so he had to cut the spiritual fruit tree into small sections and put thirteen snake slough fruits into jade boxes.
leave. Yun Shang quickly followed, As you can see, the secret labyrinth has two layers, the inner and outer.Later, she looked for soul shaking stones or similar things wherever she went.
He turned around and struck with a hammer. The swords clashed and sparks flew.Shen Jinghao insisted on bowing, Not only to thank you for saving your life, but also to apologize for my unintentional words back then, which caused you to be betrayed and almost lost your life.
The more outstanding she is, the less capable she is.Don t be afraid, I ll go up and meet her. Lu Yantong jumped onto the ring, looking domineering.
Yun Shang nodded, and Xie Jingshan also said, Yes, you didn t do anything wrong if you said anything.In the end, the big toad was indifferent
If you insist on forcing me to call Qionglin Tiger to talk to you, I will go now.
The surrounding evil mist surged and closed. Jiang Yuebai changed the wooden escape talisman, rushed into the ancient tree nearby, and escaped and disappeared.Jiang Yuebai My heart tightened, and I immediately raised my skirt and knelt down.
Jiang Yuebai held her hand, and Zhuo Qingfeng hurried to hold her arm.Comprehend the power of thunder, be proficient in two kinds of weapons, and can instantly form magic with one hand.
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It will be foolproof. After all, foreigners were discriminated against outside, and she didn t want to be captured and made a slave for no reason.I found that you are not bad at talking. When you mentioned spiritual beasts, your eyes were bright and you were very talkative.
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Knowing that Miao Jin used poison, she kept holding her breath.Han Qiusheng and Chu Tiankuo are old friends. The two of them hit it off immediately and went back together to buy ingredients
Chen Chuqing helped, Chu Tiankuo came to cook, Qin Fengan, Jiuxiao and others were waiting to eat.
This is the special authority that Mr. Chu gave me to nirvana.Mian, you really let us down Faced with the accusations from others, Wu Mian almost buried his head in his crotch.
When exactly Miao Jin did not speak, but gently raised a hand in her direction.You brat, look at your mother The disciple roared, then jumped up and flew towards Miao Jin.
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Extraordinary, and he was also very curious about this legendary figure in the Martial Temple.But
He paused. the conversation changed, and when he looked at Qin Feng, the elegance and gentleness before were completely gone.
Why are you standing there Let s thank our friendly team for their concern and send Captain Xu off to lead the team to Li Shen Congratulations to Captain Xu to lead the team to Li Shen Although it was a respectful send off, Xiongying s expression was extremely ugly.Liang, did Revolutionize Your Liver Health with CBD Gummies for Liver: A Game-Changing Approach to Wellness
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After finishing speaking, a man s deep voice came from inside Let him come in.I really don t believe that a guy who can A person who can kill a warrior in the late stage of the Mysterious Realm with one move would be willing to be a major shareholder in a mere Qinghai Group.
But everyone knows that he just lost. From childhood to adulthood, Wu Mian has always been a star studded person.At that time, he really thought that he might as well just sleep.
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Qin Feng was very satisfied with Liu Yuchang s analysis and looked at him deeply.
True cause of death. Qin Feng did not get angry, but looked at the man in front of him with a smile So what Mr.
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.