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.
Un solo negocio puede tener diferentes buyer personas; esto quiere decir que el mensaje tendrá que irse adaptando al perfil y necesidades de cada comprador.
Resulta tentador saltar directamente al diseño de la cadena de suministro verde; sin embargo, el éxito a largo plazo depende primero de sentar las bases adecuadas en cada eslabón que la conforma.
You are a believer. You are better than me alone. You are better than Sister Nv. That s it.She went through business and suffered a lot. The company also fell into a trough and failed to recover.
After passing by, he couldn t help but look at the young man s back.Looking forward to performing
inspirational stories of ordinary people s success.
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time coming to a place like this I rarely come here before
Oh, actually I don t come much. I rarely came here before, and I rarely come now
Oh. Lin Xia After listening to Zhang Sheng s almost nonsense response, he just responded softly, and then sat on the chair and looked at the tableware in a daze.
Laughter comes out again. Zhang Panpan s face turned pale.What if they are injured Can you bear the responsibility
Various emotions were expressed in this group of young people and old people.
They were lucky enough to be able to get together with these stars, and it would be a good chance to take a photo together.When looking at the poster, Zhang Sheng was as motionless as a sculpture
Elaine even suspected that Zhang Sheng wouldn t react at all if she walked over and kicked him.
Zheng Chengwu looked at the details of the agreement for a long time before finally shaking his head, Has he called me Cheng Youzhen looked at Zheng Chengwu, Well, we just fought.No one cares when you come, and no one cares when you leave.
Jiang Kailong looked particularly depressed. I put my phone in my pocket, but I still take it out to look at it from time to time.It seemed like
these things were already far away from him All he felt was shame and embarrassment, and a hint of embarrassment at being deceived.
Soon, except for Jiang Kailong, who had been reading a novel, all kinds of laughter and laughter could be heard in the entire dormitory.If you really understand it, to put it bluntly, it is just an advertisement wrapped in the concept of a documentary.
I said that Lu Yang s accident will affect us. School Belle has some activities, but it s a blessing in disguise.This is Berlin. Although it is not an award in the main competition unit, this is the Berlin International Film Festival.
It was nationwide. The leader of the communications department also concealed the Understanding the Side Effects of CBD Gummies with Melatonin: A Comprehensive Guide
truth.Gu Jiangyan sat in the young man s seat and nodded to Zhang Sheng Actually, I have wanted to talk to you for a long time, but the entire case network has not made progress for the time being, so it was shelved.
This small blackboard is the project list The Impact of Better Business Bureau Ratings on Male Enhancement Pills
of Senran Integrated Stove.Your activities seem to have nothing to do with what we want to sell, and Lin Xia, the foreigner you mentioned, these
to put it bluntly Well, we don t quite understand what this is.
After such a simple pause, several bosses saw Zhang Sheng and greeted Zhang Sheng with a smile.We greeted him several times, but he always ignored us.
After drinking a glass of boiled water, this feeling was not suppressed.My only hobbies are these
No need to reply to the text message, I will give you my Q dog number, um, and my personal mobile phone number After sending the message and giving his QQ number to Zhang Sheng, he deleted the text message and then deleted all call records related to Zhang Sheng.
The two were well matched and had family friends. The marriage contract between them had existed almost since they were born.When the two of them were talking happily, not long after Chen Chuqing s car left, the sadness and anger on her face disappeared instantly.
But the family over there became even more excited when they saw that they actually knew each other.But now, Chang Shilei admires Qin Feng. Qin How Slim Candy Keto ACV Gummies Shape Celebrity Weight Loss
Feng had clearly let others feel his strength before he even made a move.
It was too late today, Qin Feng didn t let her stay overnight, and Su Peidi quickly brought the driver to pick her up.The cyan color on her body is completely set off by her temperament, which is elegant yet energetic.
She wanted to defend Qin Feng, but was unable to do so.If he doesn t follow me, he will make a lot of noise at home.
Lin, you seem to have a deep grudge against your ex husband.At the beginning, when he saw Du Qingyue being unwilling to give up, he threw out one of the chopsticks in his hand while munching on the chicken leg.
It is true that this method is not glorious even if you win, but as Qin Feng said, as long as you are strong enough, you can fight the opponent quickly, and there is no such thing as delaying time.The women of the Dragon Kingdom are not bad. Although they are not as gentle as CBD Gummies Orlando: Benefits, Where to Buy, and Legal Insights
the women of the Yang Kingdom, they still have a different flavor.
Regarding this, We, the inheritors of the sect s martial arts, all have responsibilities.So today, although Mr. Bai s birthday banquet was only booked at the Siver Hotel, starting from four o clock in the afternoon, the whole street of Siver Hotel was under control.
But I think you should also understand that if we are here, we will Comprehensive CBD Ejuice Review: A Detailed Analysis of the Best CBD Vape Juices (bNiVK)
give in.As soon as she got out of the car, the middle aged woman rushed over in two or three steps and grabbed her arm Okay, are you finally willing to get off the car Dai Ruolan was hurt by the woman s drag, and hurriedly explained Sister, please don t get excited yet, let s talk about what you have to say.
To Chen Chuqing, it was nothing. She thought Qin Feng had taken a liking to the sword, and nodded with a smile It s rare that there is something you are interested in, otherwise I would have thought it would be boring to just sit there until the auction is over.Maybe Qin Feng raised his eyebrows and realized the key point in this sentence.
If there is nothing else, If so, then I ll leave first.He came to Shencheng from Longdu, so he should be carrying out a dimensionality reduction attack.
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this, Ye Tianqi s face instantly changed. Gloomy Do you think you, a little bodyguard, can really protect the Qinghai Group The Ye family and the Fan family have joined forces.He glanced at An Jiuxiao, Xuanyuan Feng and others in the villa, and finally landed on Zhang Quyang Someone has testified , you Nirvana abused your power, teamed up with some unknown people, broke into Mr.
Fan invite Fourth Master Liu out
Qin Feng glanced at the man and smiled What if I don t Bold Our fourth master gave you a chance.With such a polite look, he clearly felt unhappy but did not dare to say it.
After the manpower arrives, we must first find out who killed Sun Ao, and we must recover the inheritance of Tai Qing Xuan Turtle Art The ancestor of Jin Kai rubbed his brow with his hand and whispered to himself.He didn t need Yun What Are the Best Sex Gummies: A Comprehensive Guide to Enhancing Intimacy (PVpPm)
Xiao s introduction. Don t be polite to me.
As for the Ten Thousand Swords Peak magic weapon, it s a bit embarrassing.Yun Xiao, are you planning to let Yuan Ba leave the team Du Lei heard Yun Xiao s words and asked Li Yuanba without waiting for his answer.
The thunder and lightning cultivated by the Yu Qing Thunder Code absorbs and fuses trace amounts of sky thunder in five golden elixirs, and his sky thunder sword intention is also constantly growing.At this time, Li Shiming s telepathy was revealed and entered the mind of Elder Sun Ao.
Li Shiming bowed to the two of them. He really needed to retreat for a while, not only to stabilize his realm, but also to master the strength of the Nascent Soul Stage monks.It was not like the wealth that a monk in the middle stage of Nascent Soul should have.
After Li Shiming knew what to do, he immediately flew to the head of the phantom dragon.According to the information currently available, the enemy 10 mg CBD Gummy Bears: Benefits, Reviews, and Safety Information
is right in front of him, so how can he let go of the great monk Pan Xiao.
Not only does this place have multiple Nascent Soul level spiritual veins, but it also has a unique natural environment and a large amount of natural spiritual soil.The earth puppet summoned by the earth monk only consumed some spiritual power, and the rest did not consume anything.
The remaining power of the sky thunder hit Elder Sword downwards.Through the perception of the phantom spirit dragon, Li Shiming discovered that there seemed to be some kind of strange energy among the eight early Yuanying monks.
He thought of using the large server IBMz15 in the computer room space, but only if what his eyes saw could be directly received by the large server IBMz15.The Mountain Gate Formation of Keshiri Sect, not to mention the two great monks who were in the state of Yuanying Dharma, were present.
It has been three years since he came to the sect, and this is the first time he has met the rumored Master Xie Lang.But the actual effect was only a shallow wound. If Are CBD Gummies Legitimate: A Comprehensive Review (soKoO)
the Heavenly Thunder Sword Intent hadn t been so powerful, perhaps the wound would have begun to heal.
It would be rude for him to check at this time. Uncle Master, I will refine it for you after I finish refining Master s elixir Li Shiming said with a smile.He couldn t believe his ears
The imperial edict came down quickly. If he has meritorious service to Qin Hu s ancestors, he will be exempted from the death penalty but will not escape from the living crime.
I am He is the winner with the last laugh The monk in the early stage of Nascent Soul laughed loudly and said.Li Shiming s existence is like an insurmountable peak for other alchemy masters.
At this time, Elder Sun Ao had already sneaked across the blocked sea area of the medium sized sect on the left, went to the coast from there, and headed towards the inland of the Northern Shu Continent.For him, third grade magic weapons are not worth taking a second look at.
However, the Gu Feng Sect did not expect that the Ten Thousand Beast Sect had intelligence personnel on Ziye Island.Everyone, we here in Bei Shu Continent are asking for your help in searching for them Ancestor Luo Wei said with a smile Best CBD Gummies for Autism: Benefits, Research, and Success Stories
to the six Nascent Soul Ancestors in Bei Shu Continent.
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was favored by all Yuanying Ancestors, but it was just a little troublesome to capture Ancestor Ren Xun alive.Wherever it passed, a straight line was immediately cleared.
The Traceless Illusion Sword flew into his body and merged with the Sword Intention Chongxiao Jue skill rune short sword
He could feel that the Markless Fantasy Sword was nourished by the Sword Intention Chongxiao Jue technique and the rune dagger.Next to the refining materials, there are thirteen fourth grade magic weapons, seven of which are fourth grade flying swords.
Anyway, the biggest benefit is his. Now that they have left the sect and are considered casual cultivators, they are lucky to be able to unexpectedly get a fourth grade top level weapon refining material that suits them.Is this a real dragon Li Shiming thought to himself.
Li Yuanba s consciousness moved the spiritual power lines of the formation from time to time, and in this way he forcibly opened a passage at the entrance of the temporary cave.are required for the sword cultivator s cave The only thing the sword cultivator needs is the sword room, so that he can strengthen his sword intention while practicing.
Li Shiming couldn t help but nodded. Such monks were carefully cultivated by the sect, and they would maintain the pride of the sect even if they faced Jindan monks.On the Beishu continent, Ancestor Ren Xun s strength can definitely defeat most Yuanying elders one on one.
Thinking that Patriarch Li s cave had been invaded, they thought it must be Li Yuanba s fault, so they chased after him.
Compared with the World of the Undead Prison, the World of Word Spirits is higher in terms of civilization, cultivation, etc.No Su Ye shook his fingers disdainfully and said, It was better than the whole afternoon yesterday, did any of you win Many students under the wooden stage were even more angry, but they didn t know how to refute.
Su Ye sighed, mounted the national treasure and continued forward
Cangshan Nine Cities are located to the west of Yunyi City.When the Taiyin Qi is stored in the body, it can form a reaction with Su Ye, so if you feel the Taiyin Qi, you can detect the subtle changes.
He even secretly shared the latest news with Su Ye.Immediately afterwards, Su Ye brought some elixir and food and placed them in front of the national treasure.
When attacking, it shines brightly. Every ray of light is like a sharp sword, which rules the light.Secondly, the dragon bones can be easily dismantled and thrown directly into the Calories to Lose Weight: Finding the Right Balance for Your Body Type
warehouse , but the flying centipede s dragon bones cannot be used.
He even fought with my uncle. My uncle spoke highly of him and said he had a bright future.The sunset was beautiful today, so Su Ye chose to practice in the yard.
Therefore, those Yin soldiers did not distinguish between friend and foe, let alone Su Ye, they would attack Luo Qingqing as well.If Ghost King Setsuna really sends people to hunt for Fei Se, then in Fei Se s current state, as long as he is found, he won t have much ability to resist.
Let s go The two flying yakshas turned around and wanted to leave.When Yunyicheng received news of the black sandstorm, they would not blame it, but would take the initiative to reduce the production of spiritual crystals for the month.
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of.This is something that my uncle can tolerate, but my aunt cannot.
Although it is necessary to guard the cell, during the day the prisoners are working, and guarding the cell is equivalent to rest.Remember what you said, and treat profiteers to dinner in the future.
Moreover, the cheerful guy in front of him looked approachable, but he was also a master of the Jindan stage.Didn t you open Bella Hadid Weight Loss Journey: Effective Tricks to Stay Fit This New Year
the spiritual stage Yu Ziya wrapped the elixir and handed it to Su Ye These medicines seem to be used to temper the spiritual energy and refine the body.
He held a flying sword upside down in his hand and hung a sword on his waist.Is there any news from Yunyicheng yet Is the city still closed No entry or exit from Montenegro is allowed The sound of waves Still.
The case was doubtful. of course we have to check. In addition, some officials impeached the prince for being unethical, leaving without permission during the period of confinement, and still lingering on the land of fireworks.Facing the increasingly powerful corpse spirits, it is impossible to easily solve Batch CBD Gummies Reviews: Expert Insights and User Feedback
them.
After all, every seal must be recorded. Su Ye rolled his eyes You can just say no.Woo, woo The sound of the horn sounded, pushing towards the surroundings, and then
As soon as the sound of the horn stopped, there was a sudden strange sound in the wind, like a sound of dislocated joints.
Then
Su Ye suddenly had a flash of inspiration That s it Su Ye suddenly remembered what Huahu said.Su Ye said You and Tianbao Yaxing have a share of my 70.
Su Ye turned around and saw that it was Luo Qingqing.Therefore, it will Isn t it about those monsters It s not impossible.
So far, the results are pretty good. The hillside was already a mess.Su Ye raised his arm. After the whip hit Su Ye s arm, it quickly tightened and wrapped around Su Ye s arm.
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.