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.
De acuerdo con la Delegación de la Canacar, se tienen más de 6 mil 500 unidades de 169 empresas afiliadas. Desde aquí se maneja 74% de la carga consolidada de la región y 9% del total nacional.
Los minoristas deben conocer la composición demográfica de sus clientes para tomar mejores decisiones sobre publicidad, colocación de productos y diversificación de mercancías.
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she would first refine five or six drops of it in exchange for a sum of high grade spiritual stones.It s a waste of effort to look for such a big Beihuang Continent It s a waste of effort to find it.
The white vines under Jiang Yuebai s feet were faster, flying out like lightning to strangle the blood vines, pulling them out from under the ice and frantically absorbing the plant essence Indulge in Bliss: A Comprehensive Guide to Bliss Bites CBD Gummies Amazon
in the blood vines.The male and female evil cultivators kept looking at Jiang Yuebai along the way, curious about her true identity and cultivation, and tested Shen Huaixi again and again, but Shen Huaixi ignored everything else.
It could only be used three times. It was the most precious treasure of Biyou Palace.This was not the point. The point is, what is she doing Taming a dragon A legendary extinct dragon that is about to become a god And she said stop, did Yinglong really stop The calamity thunder was still chasing her head, Jiang Yuebai ignored Zhenjun Fuyi and she pulled the dragon ears and responded to the dragon s words, When you and I meet, I will give you one more sentence.
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She saw rows of huge mountain like waves from a distance, roaring and crashing on the coast of Biya Island, overwhelming mountains and seas.It traveled to the Baipu region, the Blackwater region, and the Muyun region.
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with the top techniques, monks, information and heavenly materials and earthly treasures in the Azure Dragon Realm.Xingchou was very cautious, and immediately took a few steps back with the shark bead, and held out a shield in front of him.
The two of them disguised themselves, took the Shanhailou merchant ship, and rented a cabin to rest in a quiet room.Make people suffer enough. I must have had such a good life before, so God saved me a lot of trouble.
Jiang Yuebai put away the remaining two phoenix feathers, his white hair flying in the golden red flames, his eyes as cold and stern as if he was in The Ultimate Guide to Metformin for Weight Loss: How Glucophage 500mg Can Help Shed Pounds
a deserted place, and walked straight out of the dungeon.As soon as the Qinglong essence and blood touched the box, a layer of gorgeous runic golden light immediately appeared on it.
It is most suitable for the identity of a foreigner.Neither those with too low or too high cultivation levels can discover and enter this place.
Those six broken bones do partially overlap with the nine spines.
He knew that Luo Chen was not the kind of genius with a silver head and a wax head, and he also knew that he was no match for the opponent at all.The old shopkeeper walked up to the strong man, smiled and patted the strong man, then turned and walked Nighttime Gummy Bears Just CBD - Improve Sleep Quality with CBD Relaxation
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Thinking of the two people who saved them, the strong man also laughed, hurriedly jumped off the camel, and followed the old shopkeeper.
Craftsman. Hmm Shopkeeper Zhao nodded This master craftsman worked as an apprentice in the Southern Shipyard and became a master craftsman.Giggle
The woman didn t wait for Su Yi to wrap her hands tightly, her arms slipped again, her waist twisted, and her feet touched the ground.
When facing the enemy, you can only shoot the pre loaded shot, and you don t have time to shoot again.After registering the identities of the escorts, Luo Chen will ask the Intelligence Hall to verify each of the escorts.
A small level of cultivation. What This
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hand in shock, and then said hurriedly Master, this elixir is too valuable.Hmph I m going to kill him today Thinking of Jin Shiyu who was still in pain on the carriage, Mu Bai stopped talking nonsense and slashed at the camel again with his knife.
Thinking in his mind, Luo Chen looked at Ye Wuqing and the sword master of the Liu family.you
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the skinny old man spit out a word, his pupils quickly expanded, and then with a bang , he fell directly to the ground.
Although he had some guesses in his mind, he didn t expect that Princess Mingyue would eventually reach out to Ziwu Villa.Moreover, this person has such cultivation at such a young age.
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all directions and reshapes the flesh and blood.Keep yelling and kill yourself Jiang Yuebai put his hands on his hips forcefully, Shui Hu opened his mouth and forcefully blew out the air from his nose.
Jiang Yuebai groaned and knelt down, as if breaking free from the deep sea, gasping for air and feeling weak.Absolutely
The monks in the city have been suffering from water for a long time.
I ll wait for Lord Sacred Tree to wake up before leaving.Xie Jingshan stood alone where Jiang Yuebai stood during the day, feeling the intensity of the battle.
He was Wenhong of the Wen clan in Baishui River and was on good terms with the Kong clan.At that time, in the center of Gabourey Sidibe Weight Loss: How She Lost the Pounds & Kept Them Off
the Doumu Realm, in the Immortal Palace hanging high under the sky, an old man with white beard and white hair woke up from his trance.
I have broken through to the eighth level of weapon refining.Xie Jingshan swept across with his sword, and the flaming sword light cut into the darkness.
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Sink the boat. After the signal exchange, Xingchou led the way through Longgu Gorge and entered the depths of the Black Demon Mountain.In this way, she would have a breakthrough from the Five Elements and Ten Thousand Daos to the Yin and Yang Dao.
Fuck fight Woof Xiao Fudou rushed out from Xie Jingshan s shoulder, and was good at facing the wind.Listening to the morning bell ringing, watching the energetic new disciples running past in groups, rushing to do tasks, rushing Real Feedback: Vitacore CBD Gummies for ED Reviews Analyzed
to go to class, rushing to do something unknown.
It should have been under such circumstances that I succeeded in plundering the world.Jiang Yuebai patted Yan Hongyu on the shoulder, As long as you believe in yourself, there is nothing in this world that you can t do.
She froze the coffin into icicles to block the door.Jiang Yuebai made three rubbings of these techniques.
A red eagle soared into the sky from the forest, and a long armed four eared monkey grabbed the vines and flew behind it.Your friend Ao Juan is really cunning, and no one knows how he got around to the rear until now.
At this moment, facing Fang Yuxing, the silver needle used for sneak attacks cannot be used, the poisonous night smoke stick cannot be used, and there are also witchcraft
distress From now on, when she goes out, she will still be the evil Shenzhou Sanren instead of the upright Wangshu Master She raised her eyes to look at Fang Yuxing and felt that he was the same way, too much so that he could not use his full strength.
After seeing a few people sit down on the seats on both sides, Jin Qiyuan smiled and looked at the three Luo Chen people who were going to fight today Today s battle is going to be hard for three of you, Qu Hu, Zheng Shaoxia, my Jin family this time Whether you can capture Huangquan Cave or not depends on you two.
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just a small force lording it over a small place And he said it so nicely.
Boom Boom Boom How could Luo Chen s archery skills be avoided by a third rate late stage warrior The bearded bandit was immediately struck by an arrow between his eyebrows.Seeing this, Luo Chen glanced at Yun Mo, Zhao Li What Do CBD Gummies Do for You: A Comprehensive Guide (rMgwj)
and Leng Feng who were sitting next to him, and sighed inwardly.
go. The black figure who was running wildly in front of him felt confused when he saw the sudden appearance of extra helpers.So, Luo Chen didn t want to wait any longer, took Li Ge and the others and the guards, and rode on horseback to find the Deputy General Wang.
Luo, please get on the carriage. Lord Zi has already hosted a banquet for you in the city.Our Ziwu Villa has become a second rate force. Let s see who dares to bully us and seize our property in the future.
He spun in the air and stepped on the coffin lid, and then with a thousand pounds Falling, with a boom , the coffin lid fell to the ground.This time, Li Ge s eyes turned cold when he looked at Murong Yu, and he narrowed his eyes CBD Gummy and Alcohol: Understanding the Interaction and Risks
slightly and said, If you dare to make trouble here, I guarantee you will be even worse than last time.
Because the river turns here. It turned a corner and formed a vast lake in the east of the city.But Chi la Boom An electric arc suddenly flashed down, and Luo Chen s whole body was in vain.
looking at Luo Chen with admiration. Can we not become enemies Luo Chen sneered.When he raised his head and let out a hysterical scream, his body shook crazily like an electric shock.
Dad That bitch of the Jin family came back yesterday.This time I see How did you die After saying that, the charming young man swung his sword and quickly attacked Luo Chen.
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.