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.
Los precios especiales, descuentos y promociones pueden ayudarte para que tu página web atraiga clientes que de otra forma hubieran acudido a la tienda física.
La confianza cero es un concepto ampliamente conocido en ciberseguridad, arraigado en la idea de que ninguna entidad, interna o externa, debe ser considerada como
Okay, I ll leave this to you. After saying that, Up N Go Keto Pills Review: Can They Accelerate Ketosis and Fat Burning?
he said to the two Nirvana team members He is too seriously injured.Won t this ruin the old Dragon Lord s reputation for life What a wise man, it s just the old man s calendar.
Chen Xinrong had been hiding upstairs to avoid seeing her, but then she suddenly appeared Oh Xiaofeng is still filial Even Mrs.His background itself was disgraceful, and the environment in Xinlongmen since he was a child was The Benefits and Effects of CBD 8 Gummies: A Comprehensive Guide (LDZuh)
not very harmonious.
Du Luoyan was surprised that Qin Feng was young and ordinary, but he was a face saving engineer.Maybe we even know each other. Qin Feng Revolutionize Your Weight Loss with Keto ACV Gummies
didn t want to cause misunderstanding, but even he himself didn t know the other person s name, so he had to say I don t know his name, but I know that the room he booked is at No.
The main reason is that Qin Feng looks too ordinary now.When facing Dai Ruolan and Dai Ruoqing, The glacier on Ye Tiantian s face had just melted a little, and he actually smiled.
The two of them had refined and outstanding temperaments.She didn t expect that he would agree so simply. It was obvious that his reasons should be full of loopholes.
Fan Bangyan responded very politely There are also many martial arts sects in the secular world, but most of them are just petty fights.The Qin family was seriously injured by him, and they are still Are CBD Gummies Effective for Pain Relief? Benefits and Reviews
in the hospital.
In this battle that represents the replacement of the old with the new, no one can remember that there was another Panlong Palace that once shone in the long river of history.Especially in front of Fan Bangyan, Dai Ruolan left just because the other men told her to leave, obviously not giving them the Fan family face.
Ning Caichen died. After getting along with each other, Nie Xiaoqian felt that he was upright and fell in love with her.Feitian Yaksha s territory is relatively close to Red Earth, but there is still a certain distance.
The fifth prince didn t wait for the other party to speak, and said directly The Minister of Dali Temple, has already entered the palace The sergeant nodded and said I entered the palace before half a cup of tea.But my fifth girl will be tired. Liang Long suddenly remembered something, and said coldly By the way, can you refine the elixir for gathering energy and strengthening the body Huh Su Ye raised his head and said, The elixir for strengthening the body and cultivating the essence, and the three flower spirit gathering elixir.
This is a bag Your little bit of property will be gone if it s gone.But what about secretly Since Su Ye and Luo Qingqing can t investigate openly, they will investigate secretly.
No Diplodocus muttered, I think we should send someone back.It s none of our business anyway. Zhang Quan can just investigate him.
The Bagua plate in Lu Ting s hand suddenly made a bang sound, cracked a hole, and a wisp of white smoke came out.If Qinggang City was the source of everything, then you could figure out the end of Qinggang City just by thinking about it.
Su Ye suddenly laughed. The Bone King snorted coldly, What s so funny Su Ye said, You made a mistake.After dodging the blow, Su Ye quickly stood up, looked at the two people and said, From the Rakshasa tribe With that earth shattering and terrifying appearance, he was either a Yasha or a Rakshasa At the same time
the sound of iron hoofs hitting the ground sounded at this moment.
Brought back from the ruins of the Keto ACV Gummies Review: Celebrity Secrets to Quick Weight Loss
city. Of course that s the best.Su Ye picked up the wooden sign casually. On one side of the wooden sign, there are four words Xuanmen Di Zong written on it.
Su Ye nodded and followed the waiter forward. I heard that the Spiritual Weapon Hall can also customize magical weapons This needs a slight correction.However, because cultivation is not a rare thing, everyone around you is a cultivator.
And at the party, they also showed strength that far surpassed that of Wu Mian.It wasn t until Lou Hao suddenly shouted in the audience Okay Everyone came to their senses and there was an uproar.
The most important thing for a girl is her face, but Yan Zi still has no complaints.This is something both Qin Feng and she are happy to see happen.
Su Peipei also said just now that these people have various reasons for requesting salary advances, but one thing is clear.Miao Jin always has a gloomy temperament because he has practiced poison for many years.
Young Master Du is quite surprising. I heard that New Dragon Gate s performance was quite impressive a few days ago, but I don t know if Young Master Du will appear today.These cameras recorded all aspects of that day. Qin Feng just sent a message to The Science Behind Losing 15lbs in a Month: Can it be Done Safely
An Jiuxiao and asked him to take out the video and send it to him.
Hearing this, Ye Tiantian chuckled disdainfully Is it that I have no comment, or that I can t tell you at all Others also looked at Qin Feng with Understanding the Benefits of Plus CBD Gummies for a Restful Night's Sleep
gloating expressions.But no matter how fierce and swift her attack was, Qin Feng s defense was always watertight and did not give her any chance.
However, Wangyue Villa had never participated in such a competition before, and Xu Yue er was rarely allowed to appear outside.It will be more difficult for Xuanyuan Feng to win with many people.
The latter didn t even have time to take precautions.He stared at Chen Chuqing and tried his best to put on a smile Haha, Chen Chuqing, stop scaring me.
But
No matter how Jiang Yuebai looked at the Finding the Best Full Spectrum CBD Gummies for Optimal Health Benefits
two waterfalls, he felt that they were like two lines of clear tears, worthy of the name of Heavenly Crying Peak.If Shen Huaixi can inherit his mantle, his methods of preserving life and hiding are very clever.
Screams came one after another from the surrounding area, all of which were injured by the formation soldiers.Without the elixir, Immortal Grass Sutra cannot be practiced, so I continued to ponder Qianye The Al Roker Weight Loss Diet: What He Eats to Stay Healthy and Fit
Wanxiang Hand.
Just put it here for consignment. Jiang Yuebai found an empty high platform in the corner and put it into the alchemy furnace according to the instructions on the wooden sign next to it.Jiang Yuebai accidentally opened the sea of consciousness inside the Lingmai seedling, and the properties of the sea of consciousness were affected, giving it wood and ice properties.
Coupled with her two divine thoughts, if the battle is completely let go, these two magical weapons can be controlled with only one divine thought, and the other divine thought can continue to cast spells.In the storage bag are grandpa s savings over the years and your flying nuclear boat, as well as grandpa s lock sickle, tobacco pole and small courtyard.
The sect will receive more from her and less from other people.Who is
Chu Yunwei from Guiyuan Sword Sect Or Monk Hui en from Jingangtai Or Fang Yuxing from Tianyan Sect Among the disciples of the sect, these three are absolutely strong.
The point is to strengthen her natural abilities as a little grass demon, such as controlling plants, making her, an acquired stranger, closer to the demon clan.Zheng boom The sound of the clash of gold and swords CBD Gummies for Erectile Dysfunction: A Comprehensive Guide to Natural Relief (pZXPH)
was drowned in the explosion of dragon roars, and the icy cold air waves swept across the fields.
They have always been acquaintances, and they have always been close friends.Jiang Yuebai drew an eighth grade high level defensive talisman, the turtle armor talisman.
If they don t join forces, they can t get out. Nanzhi was clumsy and could not express his meaning with his words, so we got together when we had time and talked all night long.But I like you more and more. Do you really want to follow me Jiang Yuebai nodded.
As soon as the fire and thunder gun came out, Jiang Yuebai s body was instantly blazing with flames, forming a mighty battle armor.
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.