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.
La mayor atención a temas como la sostenibilidad, el cambio climático y otros problemas ambientales ha cambiado la forma en que muchos consumidores ven sus
Las casas pequeñas son populares entre los millennials, pero ¿puede la misma tendencia cambiar al sector de almacenes? Logistic Management informa que el estándar en
In the few years he has been in the Nether Realm, he has never been found to have any flaws.The second one was the blood clothed man on the eighth floor of the foundation building who was injured by Duanmu Fei s sneak attack.
But Qingyang also knows that at this point, Lingfu Sect is finished.If this situation continues, the gap between the two sides will only become wider and wider, and Sunflower's Rooftop S1 E 1 Phen Q diet pills part 1 [OjV6pEvgF1i]
I will never be able to catch up with the other party.
Somewhat unable to resist, Qingyang sighed helplessly as CBD oil - The effects (Danish language) [4OkNGqsb7XR]
he saw the Yellow Chen Earth Spiders around him moving toward him again, and ducked into the Drunk Immortal Gourd.There is indeed no other danger in this dragon s cave.
Once the opponent turns around, it will attack again.His status and I m afraid the treatment will not be worse than that of Zhenjun Chiye.
Cultivate, claim ancestral status and enjoy life. Anyway, it is impossible to go any further in this life.It was precisely because of this that Qingyang came to the Ten Kings Palace alone.
This kid killed three people in a row, and the matter happened in Jiuxian City.Now that Lord Stone Talisman cannot protect himself, the humanoid monster loses control and always feels like it is a little bit missing.
Zhenjun Chiye asked his apprentice Yuanzhu Zhenren to arrange a place for Qingyang while he prepared the materials himself.A baby is conceived from an inner tube. Isn t this the same as a woman giving birth to a baby No wonder this process is called the Nascent Soul stage.
Based on the relationship between Li Shiming and the Baidi Sect, it is absolutely impossible for Li Shiming to defect to the Baidi Sect.As long as there is a slight deviation in this process, the backlash alone can kill half of his Testosterone Supplements: Best Testosterone Supplements Review! [8wzjsTLGeAO]
life.
It would take a mid stage Nascent Soul cultivator to earn at least several decades of hard work.It is possible for the great monk to defeat, but the possibility of killing him is too low, unless it is a one hit kill, leaving the great monk unable to activate life saving things.
She was always worried about the death of a mid term golden corpse.Che Lian led the Wuliang Sect s mid stage Nascent Soul monks and surpassed the team of Zhongzhou Trading Company.
Dealing with such late fourth level hell creatures, especially in an environment with no space restrictions, greatly increased the difficulty of the battle.In just ten years, his physical body had grown a lot, and he was already able to compete with sword cultivators at the peak of the mid Nascent Soul stage.
The Great Master Hongfa has his own cave in the Sword Cave, but except for Li Yuanba s The Best Abs Workout & Fat Loss Diet - Get 6 Pack Abs Fast [Nd4C-wPDacD]
call, he is still willing to stay in another cave in Jianfeng.He soon understood that this was a magic weapon, but the aura was obscure and he didn t notice it for a while.
It s just that although he doesn t want to provoke others, some people don t want to let him go.Why the Half Step Power must be in retreat In addition to the fact that it cannot go out during the process of merging itself with the cave, there is also the fact that the Half Step Power in this state, due to the Níveis ideias de testosterona para homens barriga testosterona [YiYbkMJ2Jft]
initial integration of itself and the cave, makes the mind most susceptible to influence.
He wanted to hit the target as soon as possible, and he couldn t let Baili Jinyan survive.Because although the attack methods of the late fourth level hell creatures are single, their defense power is beyond that of ordinary great monks.
He saw the speed rule mark on Xing Yijian and confirmed that Xing Yijian was just as he had judged before.Is this the blessed fate that master Master Su mentioned Are all monks with high fortunes so perverted Senior sister, two senior brothers, I m sorry, I suddenly had an idea Penis Enlargement.wmv [almLSNSyG1K]
and kept you waiting for so long Li Shiming was also very embarrassed.
Among Penis Enlargement Frequency. shorts sound penis [4VGPVrfsrZf]
the super powers, even the great monks cannot get the favor of the powerful.The aura of the great monk Luo Pei, who lost the restraint of the Forbidden Spirit Talisman, did not explode.
Are there many sword cultivators involved in the pavilion Li Yuanba thought Are supplements necessary? [2ORc8-VQnSQ]
of something and asked again.Li Yuanba s attack was too sudden. When the Yuanying monk who was in the cave suddenly noticed, countless flying swords had already breached the cave.
But when he saw that Li Shiming was in the realm of a great monk, he didn t dare to recognize him for a while.The space crack lost the constraints of the stable space formation, and the space energy of the space crack became active again.
Li Shiming secretly Austin's first CBD oil shop now open [choktlRzUJG]
sighed in his heart, probably only when he was promoted to a great monk could he be able to move freely in the world of immortality.If Li Shiming returns to the East Qi Continent, then if they want to refine the Great Monk s Spiritual Pill in the future, they will need to go 420 Cannabis oil teaser, Love Potion1 [Hu-ShdLSHBS]
to the East Qi Continent to ask for the elixir.
The Baidi Sect is really a big business, and there is such a treasure Li Shiming said with a smile indifferently.Zhongzhou Commercial Bank had to obtain them from other continents.
Li Yuanba s fingers swept over the Xingyi sword of his natal flying sword.Did you leave me behind on Anyu Island and run Boner Pills [A2S80Z_A1QS]
away alone Are you ashamed to come back and apologize to me Brother Luo Pei did not panic.
If he was attacked again, the mountain magic weapon would be seriously damaged.Why don t you take another healing pill too, so that you can recover faster Brother Lou said with a smile.
Dark Butterfly Eater A second level creature, level 26.In fact, several people were very concerned about this new existence, but Zhao Hao didn t take the initiative to introduce him, and they wouldn t ask.
We are in urgent need of peripheral support. Main level players can join, but spellcasters and dogs are not allowed to join
The sounds of team formation poured into my ears one after another.Seeing this data, Zhao Hao almost died lying down. It s too bullying Judging from the Weightloss Journal 4 [ygiFITs7AKT]
previous wave s level of strength, this wave should be a super level evil god, but the abyss does not care about martial ethics and directly teleports ace level demons such as the demon hunting spider.
He was not worried about Zhao Hao s safety, after all, the adventurer could be resurrected.The only drawback is that it s expensive. In the Silver Federation, most Fat Loss Tools For Rapid And Safe Weight Loss ? [E39uHtIo_9t]
of those who can equip alchemical crossbows are elites.
Being able to last for such a long time is already a result of his strong vitality.But Qin Hu loves Chen Ruoli so much that he will never let him go, and Chen Ruoli has long been disgusted with this evil young man.
One ghost after another was killed by him. The fifth level ghosts could not stop the guards from attacking, and the distance between the two sides was getting closer and closer.But no one would believe it. Then the atmosphere fell into an eerie silence.
However, those elves do not have this advantage. They cannot use even a fraction of their speed, allowing him to easily go around the front.32 units of deadwood warriors stood behind the spearmen s defense line and entered a rooted state.
The situation of Qingyang and others was relatively good.After boarding the ring, the two stood face to face.
Less than half of the underground mines have been clearly explored.Qingyang has experienced countless battles, so he will not be intimidated by such a scene.
Aiming to win the first place. The first one can get two foundation building pills.He used it many times in the eighth and ninth rounds.
I m here to water this blood lotus root. Guo Kaifeng felt itchy for a moment and said, It s better to come early than to come at a good time.Six hundred and twenty spiritual stones Qingyang frowned.
It was so dark inside that nothing could be seen clearly.Jade Master said The poisoning situation of several of them is very strange.
These five A high grade magic sword can still be used barely during the Qi refining stage.However, they soon noticed the two groups of alcoholic bees around Qingyang, and all their doubts were suddenly clear.
One handle was inserted into the mountain wall above his head.Qingming Sanren is not against Qingyang. Very familiar, Qingyi Sanren, the head Cialix Male Enhancement Pills Reviews | Does Cialix Really Work? [-OyT46HmaYe]
of the Farming Academy, was very familiar with some of Qingyang s methods, and said, Senior Brother Qingming, I m afraid you underestimated this kid.
At that time, her cultivation level was about the third level of Qi Refining.It s eye opening to browse. Not only are there many categories, but they are also rare and good.
However, Lu Feng broke through relatively late and can only be regarded as a beginner at the sixth level of Qi Refining.However, it only damaged the fur and had no effect on the puppet itself.
The inner courtyard disciple of the ninth level of Qi Refining in the team said, At that time we encountered a pair of third level forest piercing beasts.You, an outsider, not only disrupted the Liang family s birthday party, but also killed the next head of the Liang family in front of him.
As for the monsters, they are not that smart yet, so it seems that this place is already the area where the Mountain Rats live, or in other words, their home base.
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.