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.
El Internet Industrial de las Cosas (IIOT) ha irrumpido como una fuerza transformadora. El gasto global en plataformas IIOT se ha disparado, pasando de 1.700
Lan Yuanzhou is too beautiful to find the north.Shao Nan, what s the matter with you this time Lan Yin smoothed her hair and asked lightly.Under returning to the void, you can t even get close to the periphery.
I don t understand the fire control skill competition.Are you stupid The bottom is the bottom.You can avoid it by going left or right Xiaocao er provoked Shao Nan unceremoniously.
Lan Yin only spent a little bit of sect points and exchanged them for Shao Nan.He even covered his ears with both hands, but there was no.
Must get out of here as soon as possible.Shao Nan and the others did not return directly to the Sacred Fire Glazed Tile School.Searching aimlessly like this is no way at all.Bibo Magic Moon Island is really too big.
On the night when he came back, Shao Nan wanted to take Qingyao Zhenyi and others to Bibo Huanyue Island to avenge Wuxiang Zhenyi and others.Seeing the broken three color chain appear so quickly, Shao Nan became even more anxious.
Shao Nan s swordsmanship is invulnerable to everything, but it doesn t have much lethality to the spirit.After Xie Luo fanned the fan, the beauties on the fan seemed to come to life, and all of them stretched out their seductive hands to Shao Nan, intending to pull Shao Nan into the fan.
Uh.Shao Nan hummed softly.There are still people awake, bring them here quickly.Ah Shao Nan was stunned, Yun Tianlin s temperament would not lie, could it be that there was really such a heavy snow There is such a heavy snowfall almost every year.
However, I still have a way.Gu Yueyou didn t believe Shao Nan at all.The matter of the Bibo Huanyue Clan hadn t completely cooled down yet, another major event that shocked everyone happened.
I hope no one will make me want to go out for a walk.The other materials are still easy to find.There should be no problem with these few left.
Lan Yin s energy played a decisive role again at this moment, no one dared to trouble Nanpu, no matter on the surface or secretly.At this time, exactly one minute passed, no more, no less.
Even Shao Nan deliberately forgot that it took only two months for Lian Qingxiu to master the Golden Core Domain, and Lan Yin could train for the Golden Core Domain in half a year.But now that it s all out, it s not up to you to decide.
Shao Nan is not only knowledgeable and experienced, but also far superior to the average Jindan late stage in terms of strength, which can bring hope to the sect.I have a cold.My brain went blank.It was the first time I knew that I was so weak after the operation.
Zhenjun Gan Yan didn t have any ink marks, and went straight to the point.At that time, the Dacheng Huo Linglong trapped Shao Nan, urging the flames to refine Shao Nan.
Xiaocao er also said that there is nothing he can do about Dacheng Huo Linglong.Lan Yuanzhou, as Lan Yin s natal family, is considered to have the most say one of them.
Tell me quickly.Over forty years old Isn t that the same group that entered the sect with Senior Sister An and Senior Sister Zhou That s right He is Shao Nan who entered the sect at the same time as An Xiaoshan and Zhou Yuliu.Is it because the Little Fire Spirit Dragon has more flame sources, or the Xuanlei Yuanfire Formation has more three color chains.
After the initial disbelief, everyone accepted this reality in the face of the iron like fact of the test stone tablet.
After all, a carriage is still a carriage, but at a faster speed.In Xiaocao er s words.What can it do It s just a chrysanthemum.
Comprehend a kind of heavenly way, you can become the true god of Huashen, and if you comprehend the heavenly way to reach the realm of Xiaocheng, you can become the true one of returning to the void.Putting aside their worries, the five teamed up to enter the forbidden area of Magic Spring.
Shao Nan buried his head deeply, and covered his face with Lanyin.In three months, Lan Yin taught Shao Nan and his own fire control skills all at once.
Yeting Valley is surrounded by fog all the year round, and many low level monks dare not step into it easily.This time, Lan Yin asked me to come over and tell you this before leaving.
If it weren t for that person s instruction, do you think our strength can give birth to Ice Soul Glaze Xinghuo Shinichi was a little dissatisfied Cang Yan Shinichi s attitude.Spirit meal and spirit wine, if properly matched, can indeed play a role in helping to break through the bottleneck, but one must master the heat, otherwise one will end up exploding and dying if one is not careful.
Therefore, Shao Nan deliberately asked Xie De to go to the black shop to buy a few sets of formation boards and formation flags, and then Shao Nan made some improvements and placed them on the only way for rescuers to pass, and Xie De personally guarded them.Now that he knew about this, Shao Nan of course made preparations in advance.
As for the current appearance, there is no need to hide it.It seemed that five little phoenixes were dancing in Wen Hou s palm.
However, Shao Nan was sure of one thing in his heart, the Huanhai Cave Mansion was about to go through a journey.He looked at the fire chrysanthemum again, feeling a little unsure, and finally called out to Xiaocao er.
Shao Nan stood outside Deyuan Town, his spiritual consciousness surpassing Jindan Dzogchen covered the entire Deyuan Town, and finally locked on the Shao family compound.Those who can survive in the magma and have a certain form, the answer is ready to come out.
How could you get the first place.Alas Lan Yuanzhou only realized it at this time, and couldn t help but sigh.Because, a friend will come to us as a guest in a while.
Even what Bailong City needs to do is to stop, stop too many people who are going to the Bibo Huanyue Clan battle.Again, it s such a simple logo.It is the pride of this team.
Ah, that.I haven t thought of it yet. Seven days are not long, and it passed in a flash.This time, more monks came to the test site than seven days ago, because almost all the monks who participated in the fire control competition came here, and there were countless spectators.The three Void Returners are still struggling to resist the impact of the Fire Spirit Dragon.
To be forced to use essence and blood by a Jindan late stage, Shao Nan must make life worse than death.You are even more courageous.You are really burying talents in the Dao Natural Sect.
Is it because the Little Fire Spirit Dragon has more flame sources, or the Xuanlei Yuanfire Formation has more three color chains.Jiuli Is that you Lianzi Shinichi, who had been acting like a nympho, finally came to his senses.
Shao Nan heard faint The voice of discussion from Jojo.But now you know, and you will meet again in the future.
Upon hearing the first test item, almost all geniuses stared fiercely at the people around them.It is completely out of Shao Nan s control.To be continued.
However, more people locked their eyes on the fourth floor, because Lan Yin had already arrived at the entrance of the fourth floor.As for Wang Ermazi, he was not the person in charge.
As for how you win the consent of that senior, it depends on you It s up to me.How could it be possible to come to such a place After another three days, everything was finally ready.
So that s the case.It seems that the Xuanlei Yuanhuo Formation is really powerful.
Gu Ruoyi paused and looked at the vegetables in her hand intently.Xinran, even if you want to hit me or scold me today, you must give me something to eat.
She didn t want to be so close to Ye Zixiu. When will it be Miss Bai s turn to meddle in my affairs Ye Zixiu tightly held the pink fist of the woman behind him, and he felt her trembling.Gu Ruoyi met Lin Yan in the corridor. Ruoyi, why did you come to the hospital Is Xiaochen sick Lin Yan saw Gu Ruoyi and the little guy appearing in the hospital together, and couldn t help but look at the little guy worriedly, fearing that he was really sick.
In fact, she didn t know why she let him in so calmly, as if she had thought about such a scene many times.But if you listen carefully, you can still hear some jealousy.
His handsome face was unusually cold and ugly. Axiu, who are you talking about Xiang Yanyi acted like an idiot, not knowing who he was talking about.After coming out of Xinran s cafe, Gu Ruoyi got in the car and looked at her phone.
If I die, it will be over. If I die, I will never appear in front of them again.Li Shaoting smiled and said he didn t mind. After dinner, the little guy played Go with his great grandpa.
I can t let Xiao Zhou work alone in the cafe. Thinking that there are still things to do in the cafe, Mu Mu Xinran said goodbye to Gu Ruoyi, then turned around angrily, Xinran, please wait a moment.Thinking about it, Bai Luoxia reached out and pushed Gu Ruoyi away.
Even after she woke up and told her in her ear that Li Shaoting was okay, she still had not returned to normal.This bastard kid snatched the keys from me and even cursed me.
She gently opened the door to the room and saw the little guy sitting on the bed with a sullen look on his face.Two and a half hours left Two and a half hours Gu Ruoyi was thinking about it and looked at Li Shaoting in confusion Two and a half hours, how about it Li Shaoting stared at her eyes with a deep look, and smiled evilly It takes an hour to go to the company, but, so save it We only have one hour for the rest of the time needed.
Li Shaoting looked at the mother and son dotingly. Although his Mrs.The teacup turned into pieces in Li Shaoting s hands.
If you don t come back by then, you will be an unfit father Duplicity Li Shaoting smiled, already thinking about it in his heart Treat Zoey s words as a cover up Mrs.It s like he hates Lu Qianxue. It s clear that they were on the same page during their high school careers, so why does she feel like this Gu Ruoyi didn t say anything, turned her head and walked towards the elevator at the end of the corridor on bright flat shoes.
The thinking guy came up with a way to get the best of both worlds.At this time, Li Shaoting s car happened to be parked in the small area.
It doesn t matter. If we haven t met, maybe I should find someone to take a look and get this script back.So, Xiaochen, don t worry. Daddy didn t tell you because he wanted to give everyone a surprise.
Although she didn t know whether it was a surprise or a fright, she thought that Ye Zixiu would come back after all Xiao Min will meet his father then.
Really I look a lot like daddy, right Then when I grow up, will I be as handsome and tall as daddy The little guy was very happy when he heard others praising him for being like daddy.The whole thing is not that simple. It is not a simple person who can get Gu Chenxi into that Yes Guo.
Noticing her absence, Li Shaoting punished her. Ah Li Shaoting, what are you doing Mrs.Li Wenhua looked more like he had aged a few years, with a sad face and full of worry.
Your surname is Li Oh, it must be Li Shaoting s child.He had just taken two steps when Bai Luo and his bodyguards caught him from behind.
What he didn t like the most was others deceiving him But this woman cheated on him without even thinking about life and death Bai Luo, take this woman out Remember, don t make it easy for her Li Shaoting said these words solemnly and sat back on the sofa again.A black card. As soon as the black card came out, several people present were shocked.
What s wrong with the child He s crying so hard. He cried so hard that his face turned black and purple.Ever since she became a mother, she cried at every turn.
He asked about Xiao Min s father, but I didn t tell him, so the little guy got angry.Several bodyguards lined up on both sides, waiting for Huangfurui to enter.
Is it possible that all his secretaries are so laid back Gu Ruoyi complained in her heart.If you can t do this, please leave the scene immediately Sitting on the first floor Fu Yanxuan in the row looked at Gu Ruoyi with great interest, wanting to see how she did it.
stared at him in shock. Since he knew they were human traffickers, why didn t he have any expression of fear on his face How could he still be so calm The thin man pushed the fat man away and said, Fat man, get out of the way.If Asiu is sleeping now, wouldn t it wake him up As he said that, Xiang Yanyi said happily Heading towards the second floor, Hello, Aunt Ye When she met Ye Zixiu s mother on the stairs, she called out sweetly.
Even the Gu family is under his control. Huangfu Ling pretended to be deep in thought, his expression solemn, as if something bad had happened.I don t want to force you, just You said you wanted me to help you take back everything that belongs to your Gu family.
Xiang, everyone is smiling.It is the kind of character that can be handy with anyone.The white clothed warlocks whispered to each other, but Song Qing vaguely touched something.
At Yunlu Academy, the Dean Zhao Shou finished his two hour class and warned all the students to work hard.You killed him You helped him become immortal.Then you came to help me become immortal tonight No.
We are practicing Confucianism and Taoism.How can you open the gate of heaven for you How martial arts qi circulates in the body and how to go through the meridians, this is something only you martial arts know.Ah , It s better to be a sister of this era, soft and cute.
advance payment.What did Huaiqing see him do The second princess has been paying attention to the eldest princess, only waiting for her to shake her head and admit defeat, then she jumped out and pointed at her and said Ha, you finally admit that you are a wax like head with a silver spear who knows Dao Huaiqing didn t panic at all, and flirted with that little Tonggong.
Fortunately, the results of playing more people are not bad.Father, what happened to Linglong The prince was a little panicked, since he was a child, he had never seen Linglong so out of control.
What is embroidered on the chest is not the word catch , but a majestic and majestic beast Bi An.Princess Lin an snorted coquettishly, and said I m giving you a chance, immediately join me and get rid of that woman Huaiqing.
Isn t that just hair salons and clubs They are so beautiful, Wang Butou said with emotion, They are all the family members of criminal officials, all of them have delicate skin and tender flesh, and can pinch water.If one time is lucky, two times means that the other party is not an ordinary person.
This is just one of the reasons, the other reason is that he doesn t want to go against his heart and do too many fishing for sideways.Xu Qi an glanced at him, remained silent, analyzing the situation in his mind.
If Zhou Shilang can t fall, after the Beijing inspection, it will be the time when disaster strikes for the Xu family.The real title is King Huai.King Zhenbei is a respectful name for King Huai, because he guards the north and deters all the tribes in the grassland.
He waited for a while until the patrol team passed by, put his hand into his arms, took out not all of the jade mirrors, half revealed, half hidden, and took a look.Xu Lingyue and Xu New Year raised their heads at the same time, staring at their mother.
Li Yuchun warned.Song Tingfeng was stunned for a few seconds, then comprehended instantly, and let out a huh forcefully.Helping each other is the purpose of the establishment of the Tiandihui.
In the small courtyard belonging to Xu Qi an, in the wing room, he took off his clothes and soaked himself in the big bathtub.Anyway, you can t talk about dismissal, you have to give the emperor a room to bargain.
Search out the ghosts and monsters.As for the information about the Dizong and Dishu fragments, Wei Yuan did not intend to tell the eldest princess.Taikang county magistrate was arrested and imprisoned overnight.
Wisps of steam rose.Li Yuchun stared at him in surprise, this kid was promoted to the Qi training state in his hands, how long has it been since the Qi machine is so strong Your Qi machine doesn t seem like a newly promoted Qi training state.Tooth powder is an ancient version of toothpaste, which contains nine traditional Chinese medicines ginger, saponin, cohosh, rehmannia glutinosa, eclipta, Sophora japonica, asarum, lotus leaf, and green salt.
There was an explosion in Sangpo, the Shanhe Temple in Yongzhen collapsed, Xu Qi an s pupils shrank, and instantly thought of the strange cry for help he heard when he worshiped his ancestors.I don t care where you go in the capital, but don t leave the team when you leave the capital.
The little maid said half expectantly, half vigilantly, half shyly Da, what does Da Lang want to do It was still dark, and he came to knock on the door.If you follow this line of thought, there are two types of targets for my investigation First, people who are trying to restore the former royal family.
Damn it, sneak attacks don t work against masters of the God Realm Xu Qi an who knew the real reason cursed secretly.During the Beijing inspection period when all officials are silent, the watchman can walk sideways in Jiaofangsi.
Not far away, the three younger brothers looked at each other, Xu Qi an suggested Congratulations, the chief officer has been reinstated.They are essentially tools that can be used by anyone.
The princess s clear and beautiful face was expressionless, admiring the scenery of the lake.Nonsense, this is Zuixinju, the best restaurant in the southern part of the city.
Only then did the masters in the army open the gate of heaven for me and step into the realm of Qi training.This method has been eliminated.The second method is to use external force to open the gate of heaven, which is also the stupid method adopted by the predecessors.
Old Zhu was startled, and hurriedly got up to greet him.It would be too unruly to be assigned to a feudal society.
Song Tingfeng had an expression of you re kidding me Then what are you talking to me about Xu Qi an said helplessly, Because I haven t learned how to manage time well.The tea seller was an old man with gray hair.There were no customers at the moment, and the old man was sitting at the table drinking tea by himself.
Xu New Year is among them.Mr. Ziyang has finally come out of the mountain.If we can be appreciated by him, we will surely have a prosperous official career in the officialdom in the future.
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.