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.
Tecnología de información ayuda al sector de hospitalidad a construir un programa de lealtad relevante y personalizado que beneficie al cliente y reduzca costos de mantenimiento para la compañía.
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La adopción estratégica de la inteligencia artificial en la fabricación puede ofrecer eficiencias significativas. Desde mejorar la seguridad hasta optimizar las cadenas de suministro, la IA está transformando la forma en que las empresas abordan los desafíos laborales y planifican su futuro. Los líderes de la industria deben estar preparados para abrazar esta revolución tecnológica y capitalizar las oportunidades que la IA presenta.
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.
There was a slovenly man standing far away in the corner of the room. He was the gatekeeper from the east side of the town.The remaining two treasures and embroidered bags mean that you can pick up at most two treasures here and take them out of the town.
He held his tongue tightly as if every word was critical, and he didn t know how to comfort his daughter.I drank all the way north and tasted more than a hundred kinds of wine, and this Immortal Brewing is the most authentic.
He deliberately turned a blind eye to the straw shoe boy s unconcealable nervousness, turned his attention, and faced the great scholar s palace that had a great story to do with the capital of Great Li.However, Laifu is still young. You re old, you re in your teens, you re very old. At this point, the straw shoe boy couldn t help but bend down again, touched Laifu s head, and said softly You have to live with your age.
Song Jixin seemed completely unaware of Fu Nanhua s change of attitude, I call you Brother Fu and show you this pot.Liu Baqiao stamped his feet vigorously on the wooden corridor and said, But I just lay on the ground and used my hands to After knocking for a long time, I couldn t find any clues.
Aren t you still unable to break through the bottleneck Well, do you want to go down and try your luck Liu Baqiao sneered I won t go.As a result, Li Baoping even forgot what he asked yesterday. When he thought of fishing for loaches, catching and releasing crickets, Zhiyuan, he ran away and left Mr.
Whether the master agrees or not, they have to fight with them before talking about anything else. However, these weird tempered guys from Fengxue Temple don t fight to gain fame, let alone kill people, so even if they are beaten to a pulp by the monks from Fengxue Temple, they don t have to worry about making their family ugly.
Among them were two young mountain moving apes, one was a silver backed ape, A brachiosaurus usually lives deep in the mountains and forests, and is only used when necessary to crack mountain peaks or move hills.While Miss Ning was drinking medicine, Chen Pingan couldn t help but walk to the courtyard wall, tiptoed to look, and found that Zhi Gui was carrying The kitchen knife used to chop down a person is an embryo made of wood.
Junior Master Uncle This was especially true with the little girl. On a hillside no more than ten feet high, there were more than twenty people standing scattered.Old Yang said impatiently Go, go, you are not qualified to compete with me. Talk, it would be better if it were you, the mountain master.
Chen Ping an had no choice but to pick up the basket and walk over. Fortunately, the blue stone cliff was very big and could accommodate more than ten people.Wu Yuan said helplessly If it were before, I would never think deeply about this kind of issue. but this time my husband left the country, he first changed his outfit, and then came to this town to meet his old friends for no reason.
He had no intention of taking advantage of the distance advantage of the bow and arrow.
The old ape smiled and spread his hands, indicating that there was nothing in his hands. Then he stretched out his fingers and hooked them, indicating that the young man could continue to play fancy tricks.We, the county magistrate, must also have a city, and everything is ready for development. Our county magistrate is very busy. The handsome young man with a mole on his eyebrows gently turned a bunch of old keys with his fingers, and walked into an alley called Erlang Lane.
She turned her head and looked at the wall, Mr. Sanshan Jiuhou, what is your identity We don t have such a number one person in Dongbaopingzhou.However, the leaves swirled in the air again. The young man did not believe in evil and moved around several times, but in the end he still failed to catch the locust leaf.
It was obvious that Ma Kuxuan believed in the stone in his hand. This lonely boy who had never had a quarrel with anyone, let alone fights, had never liked to be with his peers since he was a child.The child stands on tiptoes and puts it on the window sill of his house to expose it to the sun. It can be eaten after it is dried without adding salt.
It was so crudely performed and so disrespectful. The woman s face was gloomy. The old man saw through the woman s thoughts at a glance and asked with a smile What, you feel guilty and regret it The woman smiled miserably, I do feel guilty.Generally speaking, the family of three, after the man s death, Before, it was fairly stable. After Chen Ping an s father died, his mother probably had a heart problem, and her energy quickly became unbearable.
While waiting for the fire to heat up, he spread out a washed white but still clean clothes on the table.Ruan Xiu sighed, stood up, and walked around. He passed the counter and said to the guy who had just stepped over the threshold and turned around to stand, I advise you to listen to what others say in the future.
He turned around and said sarcastically From a distance, you look like a little grasshopper carrying a big stone.You are not allowed to owe the shop a penny. Little one, do you understand Little one The child blinked, confused, but still handed over the money bag.
When the time comes, I can help him. I dare not say that it is not difficult to get out of trouble by killing the evil beast.Fu Nanhua shook his head and said Since you even know how many copper coins are in a bag, you should also know that we outsiders are not allowed to kill people here at will, otherwise we will be expelled from the town immediately, and may even be killed.
Ning Yao thought about it carefully, Actually, it s the same. Qi Jingchun pointed to the location where the two of them were before, and then clicked on another place.A child serves as the porcelain of his own dragon kiln. For example, if thirty two children are born in the town this year, then the top two dragon kilns will have two porcelains.
Ruan Xiu said softly Miss Ning asked me to tell you that she will borrow the scabbard for a while and will return it to you later.During the long years on the mountain moving ape s cultivation path, especially in the early days of the founding of Zhengyang Mountain, the mountain gate was weak, with enemies on all sides, and tigers and wolves looked around.
Ma Kuxuan finally spat out He spit on the woman s face. The young man stood up and walked towards the man from Zhenwu Mountain and asked in a low voice Who is that person The sword cultivator said calmly He is the future mountain master of Guanhu Academy, one of the seventy two Confucian academies.
Come back and wait for me to formally become my master and offer you tea. You can come and learn more about it. Chen Pingan stood up slowly and wanted to After he stopped talking, Liu Xianyang smiled and scolded Chen Pingan, your uncle, what I am selling is your family heirloom Or is it your wife When Chen Pingan handed him the basket, he asked tentatively Don t think about it anymore Liu Xianyang took the basket, took a few steps back, jumped up high without warning, and performed a fancy roundhouse kick.
If Fatty Chai hadn t been there, who would have believed it Du Heng stood at the door and touched it, frowning slightly, he felt that he should communicate with his father in law.Brother, don t move. We ve called 120. The doctor will be here soon. Yes, don t move.
In addition, although my project team is now very Mature, the frequency of results is considered high, and the quality is also impressive.of.
Wu Yueqing had long heard that Wu Yueli, the son of the Snake King, was raising snakes, but no one thought that the scale of snake raising could be so large and so modern.
Because he was so angry, the saliva from the corner of his mouth when he spoke directly splashed onto Professor Lu s face.There were only four patients, all of whom were elderly.
The three pulse diagnosing fingers were all placed on the radial bone of the arm.She asked in surprise, Doctor Luo, isn t my daughter answering your question Why don t you look at it Luo Deng was black.
After being embarrassed, he continued, Professor Du, please rest assured that we have already set up the after sales department.Tomorrow, tomorrow will be fine. I will accompany Dr.
It just so happens that, Professor Du, you don t have classes right now, and you don t take any graduate students, so you can take care of him.Although the place Zhang Shiping chose this time was still a tea place, it was just a tea place, a very elegant and quiet place.
What is the biggest advantage of veteran comrades Of course it comes from experience.Just as Du Heng began to adjust slowly, the three teachers and students came over slowly, Professor Du, we have some questions to ask you.
Until one time, the man suddenly came to see me for a doctor.Now that the dampness and heat in his body began to transport, and the circulation of qi and blood gradually returned to order, these rootless energies would also be lost.
The big backed Professor Qin packed up energetically, looking a little shiny and pink, but as long as he looked at From his face, one can tell at a glance that he must be over fifty, but it doesn t matter that he is under sixty.Although the location of the attack may be slightly different, the etiology and pathogenesis are roughly the same.
Not only did he not invest, but he also took away all the investors he had negotiated with.Lost his spirit. After a long time, she murmured, Is it really hopeless It was an unconscious remark, and she didn t expect to get an answer.
He introduced the previous situation to Du Heng and Lao You.When the old lady spoke, she didn t even open her eyes, she just kept moaning.
In the evening, just after Du Heng and the others rejected the banquet organized by the West County Health Bureau, he suddenly received a notice from Deputy Director Huang.Such an opportunity is rare for students like them.
But no matter how much he cooperated, the injury on Du Heng s waist was a fact, which made Wu Shengnan very distressed.Side massage. Fuck What did I see Are you crazy Is the neck really broken this time Du Heng turned a deaf ear to the sudden sound behind him.
And even if there is a teacher to teach him, he feels that it is not easy to master without a lot of hands on experience.Du Heng was infected by Zhang Shiping s laughter, and he couldn t help but laugh too, driving away the depression of conspiracies just now, Brother Zhang Are you busy Hey, let s talk about it when we get here.
When it comes to bringing up a doctorate, you need qualifications or not, and you need experience but not experience.The key point is that the investment will not be too large, the research cycle will not be very long, and the benefits will be seen in the short term.
Du Heng clapped his hands and stood up, with a smile on his lips and said, I won t say whether it s troublesome or not, I hope that through today In this matter, you can maintain awe of medical skills.But as far as I understand, the human body s bioelectricity itself is If it is very weak, then correspondingly, the magnetic field formed by bioelectricity should be even weaker.
Under normal circumstances, whether it looks or feels, it is basically the same as the real thing.Du Heng didn t care about it and just asked Cao Yuanqing to accompany Lou Guo quickly.
The girl s mother told her problem very readily, but at the same time she also asked her doubts, Doctor Luo, I don t know how to do this.Brother, this live broadcast lasted for forty minutes, and the highest number of online viewers was 7,053, which was also the number of people when the live broadcast room was closed at the end.
Please turn on the phone quickly and say I m quite anxious.By the time Vice President Xing appeared in Du Heng s office again, Du Heng had already obtained the hospital s latest personnel information from the new office director, the previous deputy director.
If you don t like it, .
Then just burn it. Du Heng was slightly moved. Ever since he came into contact with middle and high level Chinese medicine practitioners, I dare not say that everyone is a petty person, but someone like Master Jia who gave away the secret recipe without any hesitation is really unique.
Du Heng shook his head gently and said nothing more about Doctor Xiaobai, There is another one, our Doctor Xiao Li.
I believe you know the feeling, and the patient may also be at risk of allergies.But this was not his place after all, so Du Heng did not speak rashly.
Du Heng nodded sheepishly, no longer looking at the kitchen, and began to listen carefully to the experience taught to him by his father in law.End of Chapter Originally, Tang Jinhan s outstanding performance made Du Heng very happy.
What kind of talk do you think this is Then Lao You took a step forward, stood next to Du Heng and asked Luo Deng, Teacher Luo Deng, I have a few questions.Bai who was washing his cup and making tea. Doctor Xiaobai turned around in surprise, Director, are you back Du Heng stepped forward with a smile and took the teacup from Doctor Xiaobai s hand, You are busy making tea for me.
My dad went to our county. But the medicine prescribed by the county doctor didn t have much effect.An old man smoking a pot. The old man was facing the door of the house, his face was calm and indifferent, he was smoking a cigarette slowly and leisurely, and his crossed legs were moving up down up down rhythmically.
With Du Heng s support, Kang Zhirong also felt relieved.After the acquaintances exchanged simple greetings, the old men finally became a lot quieter.
The prescription in his hand that could cure tumors was offered for three million, but he didn t sell it.Luo is most powerful about Du Heng asked with a smile.
He couldn t speak, but with someone to help him, Du Heng stood up with courage.The expenditure on this is not a small expense. Finished Vice President Xing silently mourned in his heart, But now the medical records office is Principal Wang s brother in law.
Take it back, why are all departments outsourced What does it look like.
Please go and get them for me. Director.
Hey, stop talking nonsense and go get them quickly.Du Heng slumped his shoulders and moved towards the elevator door, but after arriving at the elevator door for a long time, he still couldn t wait for the elevator door to open.
However, after the call was made, the little brother said that he was fine.Du Heng suddenly felt uncomfortable in his waist. And this discomfort made his suspicion instantly rise, making him even more uncomfortable now.
End of Chapter However, what Director You said made the atmosphere in the car become serious, and it was hard to say anything else for a while.Twenty grams to two hundred grams, this is only ten times the amount of medicine, which requires such a troublesome battle.
Liao Quansheng took a deep breath and said, At that time, these drug dealers who stock up on medicines will rely on the large capital behind them.What happened in the past should be what it is now.
He said, This is a big deal, why didn t you tell me in advance.Du Heng glanced through it briefly and found that in addition to the things left by elder Wu Yueli in the book, Wu Yueli himself also added some content to it, but not a lot.
Why have we never seen it on the news Yes, now if a celebrity donates a pack of instant noodles, it will be publicized online for several days , how come this has never been publicized It must be made up.It is a medical institution where ordinary people live, so some techniques that are difficult to accept in large hospitals have a certain survival here.
Du Heng couldn t help but chuckle. After all, the young man had a quick mind and had other thoughts so quickly.What made Du Heng couldn t help but sigh was that Master Li was most famous in his life for treating various hemiplegic strokes.
Problem. Director Wang was a little surprised. He couldn t understand why Director Du, who was famous all over the hospital, was so nervous.Kang Zhirong hesitated for a moment, and finally plucked up the courage to say, Brother, I don t think you should be so absolute.
He glanced at the empty disc left by Xu Qi an, his eyes flashed with distress.The oiran woman put her skirt on the couch, sat on him, pressed her firm chest muscles with both hands, and smiled charmingly I like it.
I have a hunch that after this lecture is over, my status in Sitianjian will be improved again.When going downstairs, Xu Qi an met Chu Caiwei and the princess ascending the stairs, and seemed to be going to the gossip stage.
Xu Pingzhi glanced at his son, and said If I lived in Yingmei Xiaoge, those maidservants only need one tael of silver.Soon, the explosives were exhausted, and a group of people stood on the bank, watching the rolling turbid waves, and waited for a long time, but did not see the monster floating out of the river.
That guy seems to be very disdainful towards me, mixed with hostility, is the lyrics too crazy Well, there will be some in the future Be careful not to talk nonsense, especially in public places.In severe pain, The second princess turned pale at first, and then cried Wow after a few seconds, pointing at the eldest princess and screaming Huaiqing, I want to kill you.
Brocade curtains were hanging down, and sandalwood was burning in the bedroom.Get ready and come with me to Zhang s house.Catcher Wang s dark face like an old farmer revealed an expression of impatience.
Yes, why deliberately separate these nine people If these nine people are all from the Ministry of Rites, Dali Temple Maybe it s possible.Xu Qi an hurriedly shouted Master Fuyin, don t forget your promise to the grassroots.
Anyone who dares to stop me from handling the case will kill me.I went around the dormitory last night, and there are very few hard working readers.
Xu Qi an replied.Wasn t it rewarded for the progress of the Sangbo case Everyone was taken aback for a moment, and suddenly felt that the silver was a bit hot, and they deserved it.Xu Xinian is outstanding in strategy and theory, and he is also accomplished in the art of war, so it is difficult for his poetry to be elegant.
Like a wild dog running wild, Xu Qi an quickly chased after him.Lu Qing stared at him with wavering eyes, a bit of a woman s coquettishness for the first time Yeah.
A beautiful scene that only exists in nursery rhymes.A man of his age is full of energy and blood, just the age with the strongest desire, every day I can t contain the turmoil in my body.
After completing the formalities, Song Tingfeng took him to the depths of the yamen, explaining as he walked After entering the job and changing people, there is another process.I ll take you to death.The jailer smiled mockingly.
The eighth rank is a monk, not much different from a warrior, and he can fight very well.It is said that it was the underwater mount of the emperor in ancient times.
Fortunately, the file can restore the crime scene to a certain extent.Her long eyelashes trembled, and her eyes were tired, but they also melted into the cold and cold eyes.
So under the guidance of Song Tingfeng, he found a few acquaintances, Tongluo who was also under the command of Yingong Li Yuchun, and made an appointment with them to go to Jiaofangsi to play at night.The second princess immediately got excited, She said softly Oh, you are cheating, you made up a sentence to fool us, and you will be fined three cups of wine.
If I didn t, I d be dead.Precious ideology and morality suddenly, Xu Qi an thought of the couplet in the hall on the first floor I would like to serve the world with my heart and not seek my own interests.But the records about him stopped abruptly five hundred years ago.
Xu Lingyue said in a soft voice Second brother has no poetic talent.But Ou Huang s lifespan is extremely short, Xu Qi an smiled wryly at himself.
When the emperor or the clan nobles travel, there will be guards clearing the place in advance.There are many methods.In addition to the well known method of opening the heavenly gate, there are two other methods 1.
Xu Qi an s eyes were fixed, and he sighed, I can only take one step to see.The prince made a start, taking water as the title, and the first word is water.
Xu Qi an silently added in his heart Sister Yu is invincible in the world.In the Yasheng Academy, the candlesticks were overturned, and the wax oil was flowing densely.
Xiao Douding was brought back by Lu e, and she stopped crying when she was hungry.Guest, when passing Yingmei Xiaoge just now, Xiao Guigong just took off the sign on the gate of the courtyard.
Then, the prince added But there is one thing I always care about, but I haven t figured it out.
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.