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.
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The reason is that he has no experience in this area and does not know what to do.Du Heng suddenly turned to look at the person in charge, Do you know some gossip The person in charge smiled.
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so instead of wandering around the obstetrics ward, the head nurse and the head nurse went directly to the nursing ward.But she and Du Heng were in free love, and there was no matchmaker.
When he saw the woman in unbearable pain on the stool outside, he ran to him in a few steps, nervous.We have only been separated for more than two months, and suddenly you are like this.
The eldest son went to the city to join the society when he was ten years old.Check It s okay if you don t check. Ask the doctors at the hospital.
If I go, it won t be the cancer that this dean treats, right Too Young, impossible.At this time, Du Heng turned back and added, By the way, Director Samantha Armytage Keto Gummies: Weight Loss and Health Benefits Liu, if there is a problem with the mother, call the police immediately.
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Liao Quansheng clicked his tongue twice, You The boy must have been lucky, you paid for all the good girls.You can pick up the prescription later and ask the patient for the information.
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This is called calm. Look at you again , the angry look makes people feel that you have a guilty conscience.You can see that Dr. Cao s face is red with anxiety.
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No matter how busy you are, you must do it. You should take the time to go to the hospital for regular check ups.To put it bluntly, my current level is not enough to even carry my student s shoes.
The unstable senses are amplified. Du Heng explained patiently, this point must be explained clearly.
Thinking of this, he got up and left the room, buttoned his Ring Li Lingsu s door.By the way, a while ago, some people did say that the Buddha Pagoda was a masterpiece of golden light, and bursts of dragon chant came out.
She frowned delicately, but said nothing, took back the gold ingot, turned around and was about to leave.This time I come to the capital, I have to pay a visit.
Jianzheng, the national teacher and I have captured the love saving Arhat in Yongzhou.The combination of the Zen master and the monk is simply a combination of gods.
Both safe and fast.Coincidentally, Zhangzhou, which is next to Yongzhou, is a branch of Leizhou Chamber of Commerce.I don t know if it was an illusion, but Li Lingsu slowly felt that although this lady Discover the Hidden Gems: 7 Lesser-Known Apple Cider Vinegar Tablets Benefits in 2025 has an ordinary appearance, she has an excellent temperament and her gestures are very good.
That was the primordial spirit of the fourth rank flood dragon, which was broken up by the peace knife.
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Moreover, if you really make the old man angry, you will really offend Soaking Feet in Apple Cider Vinegar for Lose Weight: A Step-by-Step Method the Wu family.But now the three of them all have a consensus, that is, no one dares to take medicine because they cannot find the missing liver, gallbladder, and stomach.
Another woman said that she was sitting on the edge of the car, not in the car, and that she was thrown out when the car rolled for the first time at the very back.But the problem is, the health center currently only has one deputy director, Du Heng.
He just asked casually again, Isn t it inconvenient for you to live alone in all aspects of your life Then he looked at the nanny who came with him.They didn Price of Keto Gummies at Dischem: Finding Affordable Options for Weight Loss t know what was wrong with this man, so he said it nicely As he spoke, he suddenly turned into a fool.
Does this question make sense Yu Haiting was still confused, What does not Comprehensive Guide: Top Green Teas for Weight Loss in 2025 grow up mean Abortion That shouldn t be the case.How is he doing now Du Heng gulped and asked. Du Heng s hand holding the spoon paused slightly, and thought about the problem carefully, The prescription I just prescribed is to detoxify and expel pus.
This problem was also a confusion for him. The examination results of several major hospitals all showed the same result.The day before yesterday, she took the things and left.
The man was silent again after being told that. After walking around on the ground twice, he suddenly asked, Director Li, I would like to ask, do you know where I can achieve tracelessness Director Li smiled and said, Let s put it this way, we are the best in orthopedics in the capital.The man ignored Wu Buwei, looked past him and directly found Du Heng behind him, Doctor Du, please help me take care of the child.
He refused to take up the problem, so he asked Yu Haiting to ask the question.Du Heng hung up the phone, and Gong Daoyang, who had been calling over there, also came back.
Seeing Du Heng s eagerness to try, Gong Daoyang took a deep breath.It was more than a month early and the lamb didn t survive.
Zhu Minyan s body functions were not seriously damaged because she got sick quickly, and she didn t For other diseases, the medicine I gave her was in a larger dose and more often, and her body could withstand Ketosium: High-Quality Keto Support it.Although doctoral medical students are very popular everywhere, they are not as good as in the capital or in the top three places like Good Friends.
I got on the ice skate and fell straight down, almost breaking my waist.Du Heng said that the more pragmatic work has come to an end.
What is level This is level. What is ability This is ability.You are 29 this year, and you will be 30 after the Chinese New Year.
After taking a gentle breath, he said, I have a way now, which may help your toes recover.Du Ping was even happier, This is not bad. It is very close to you.
When Du Ping finished speaking, Du Heng said to his elder brother and stepped on the accelerator to go to the health center.Obviously, this disease is not regarded as a stroke.
An hour after he left, Wu Shengnan completely woke up, and the pain in her legs made her more energetic, no longer the groggy look she had before.Brother Gong, I don t quite understand what you mean.
After watching the film and listening to the report, they all came to the same opinion, which was amputation.I was so happy that I couldn t control it. Just tell me how much more is left.
The Christmas Weight Loss How to Shed the Extra Pounds and Enjoy the Holiday Season abandoned disciple of Wanhualou twisted his hair on his temples and twisted it with his fingers If I were him, I would definitely run away.She is wearing a plum colored jacket, a fluffy skirt, a small phoenix crown, a silver gilt hairpin, and a gold phoenix hairpin inlaid with emeralds and gemstones, and a sterling silver wreath hanging around her neck.
I can try to accept this kind of indoctrination and take the initiative to accept this sense of identity.He had the posture of Buddhism s territory and Buddhism s master.
Women DressingRan down the beech field.Li Lingsu put on a robe, walked to the door, and opened the door.Between Luo Yuheng Daoist and Mrs.Xu, my suggestion is to Luo Yuheng.
There is no supporting explanation for this kind of thing, no one believes it, Tighten and Tone: How to Get Rid of Loose Skin After Weight Loss and it will only get darker and darker.She is as beautiful as she is beautiful, but her temperament and demeanor are even better, like a fairy lady on a picture scroll.
Xu Qi an immediately understood, and four words came to mind theme clubs Places of this nature are very common in Dafeng, and the most famous one is Goulan.My elder brother only has three sons.The K3 on Shark Tank: Does It Redefine Weight Management Solutions? eldest son died young, the second son was mediocre and incompetent, and the youngest son was a dude who only knew how to enjoy life.
It can be seen at a glance, but this monk is at least in the state of refining gods, and ordinary plotting will not work.So, he wanted to take advantage of my childlessness.
After a cup of tea, the bump on the quilt began to move down, down and down and then stopped moving.She is not a domestic pet, and only domestic pets like to be touched by people.
Boom The four iron corpses exploded into pieces in an instant.Xu Qi an nodded to the old monk Taling, walked to Shenshu s broken arm non stop, and rang the ankle ring he had prepared.
Li Lingsu didn t change his face, and said Ask him to go to the lobby, just Weight Loss Diet Chart in Hindi: 10 Tips to Help You say that I will go there immediately.The name of the product is compared to that of a white eyed martial artist.
This monk, who was clearly a monk, but with a strong compassionate heart, used his hands to dig a What Is a CBD Gummy? Demystifying This Popular Wellness Product hole in the ground that was mixed with icicles and as stiff as iron, and buried the corpses of his grandparents.At night, I summoned the snakes, worms, rats and ants of the Chai Mansion to investigate carefully.
She ran wildly for half an hour in the wilderness, and finally found the official road.Canglong raised his hand and interrupted Does he know our combat power Buddhism has already scared the snake, he knows the number of masters in Buddhism.
The government doesn t need them to be enemies of Buddhism.Then, with the correct answer, act as a messenger and spread the word.
Xu Qi an s eyes automatically passed over the head of the Double Swordsmen, and looked at a heroic woman behind him.He seems to enjoy the feeling of hugging left and right, and sometimes bows his Kyle Richards’ Weight Loss: The Real Secrets from Beverly Hills head and whispers with them.
I suspect that they didn t live in the inn at all.Buddhism has no shortage of magic weapons to accommodate living people, such as the pagoda of the Buddha.When Xu 10 Surprising Health Benefits of Apple Cider in 2025: Why Every Family Should Have a Bottle Qi an was in the outer room, she suddenly realized that when Luo Yuheng talked to him about the seven emotions state yesterday, she would lose her composure and make decisions that were inconsistent with the past.
It began with A polite greeting, and then mentioned the situation in the court.As for the latter question.Xu Qi an looked at Li Lingsu up and down, with an unpredictable smile.
He recommended Lingyin to the supervisor, but the supervisor ignored him and 5 Reasons Apple Cider Vinegar Pills Are Transforming Weight Loss in 2025 even refused to let him go to the gossip stage.You have provoked so many women, have you thought about what will happen to them in the future Xu Qi an took a rare moment to be serious, and reminded Although the sons and daughters of the world are not so hypocritical, they love each other.
If the Buddhist sect finds the dragon energy host in advance to lure him into the bait, then he will use his plan.
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.