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 solución de ingeniería de software integrada de Siemens para la industria automotriz finalmente traslada el desarrollo de software incorporado a su lugar apropiado, como parte integral del ciclo de vida completo del producto.
Erich Wetzel, líder de la Amti, participó en el 9° Foro Nacional IMEF de Infraestructura, en el que se ventilaron acciones clave encaminadas a ofrecer respuestas a los retos de la demanda de servicios de punta.
Con el análisis de datos públicos disponibles en la red podemos saber dónde se encuentra nuestro cliente, qué le gusta, en qué horario está online y cómo se comporta en las redes.
Uncle Yu, look at this thing. Su Ye casually handed the shark tooth powder to Yu Ziya.After busy for a while, Su Ye poured a bowl of dark concoction into his mouth, then wiped his mouth and looked at the sky.
This was also a required course for the King of Gou to hide in the world of mortals.Beside the national treasure, there were a bunch of purple fragments scattered around, and surprisingly the purple jade bamboo was broken into pieces.
Su Ye could feel that it was not due to any random reasons such as being talented or having excellent spiritual roots, but because of the energy of Taiyin.Looking for a house like Su Ye is not a troublesome thing, and does not require a lot of resources.
Su Ye and Luo Qingqing didn t force it, they just drank a few drinks and left.Su Ye nodded, quite satisfied. The list of five elixirs he gave were all elixirs that he was very scarce.
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Even if this thing is displayed in the elixir shop and cannot be sold, it still has a good reputation.However, among those powerful people, some have already led others to join in this dispute, while others are still struggling with what to do.
There are only a handful of places with water sources, and you have to walk hundreds or thousands of miles to reach the water source.Yes, young master, my subordinates will take care of it.
Every family has also shed a lot of blood in the ring, but no one will pity or sympathize.The woman was wearing a tight fitting black skirt, which wrapped her body into a shapely shape.
His face was pale, his body covered with cuts was soaked in blood, and there was a wound on his chest that was deep enough to show the bone.Immediately, several members of the Jin family looked at Zheng Xiaoliu, who had just returned to the small stand, with slightly dissatisfied expressions on their faces.
Yes Teacher Luo Chen quickly got into the mood, changed his title, stood up from the floor of the carriage and sat back down.There is a long table not far to the right of the Huichun Hall entrance.
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No Luo Chen shook his head expressionlessly and didn t say much.At this moment, Zheng Xiaoliu and Xu Huang also rushed over with two guards.
Bang The guard desperately left the water bag on the ground, lying on his stomach, and kept digging the sand on the ground with his hands.Haha Luo Chen smiled, but his heart ached a little.
Boy You gave Purple Mist Armor and Snow Shendan to the East Palace, why can t you give them to me After being ignored and rejected by Luo Chen again and again, King Wei also tore off his disguise and returned to his original domineering self.After a while, the injured mare roared and slowly stood up from the ground.
It is also the strongest martial skill Luo Chen has mastered so far.Luo Chenpi looked at Zhou Song with a smile. Luck is also a part of strength Zhou Song sighed with emotion, and then said seriously This county would like to ask Mr.
Luo Chen no longer hesitated, took off his clothes and got into the tub.Those employers like them the most. Hiring bodyguards, and those warriors without the level of bodyguards have become increasingly difficult to find work.
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the energy of the person. This is such a boring voyage.Who dares to associate with a monk who has mastered other minds would not be showing everything about himself.
Join hands and let the rocks fall The leading Yuanying early stage monk said in a deep voice when he saw Wang Yuan s thunder method stopped.Li Shiming came to the spiritual pet room and found that the dragon vein source crystal surrounded by the phantom dragon was missing, but the phantom dragon was rolling on the ground, seemingly in extreme pain.
Ancestor Fan s temper was a bit bad after he was awakened.If the formation ability is a means to crack the formation, then So close to the end of the world is a cheating device to crack the formation.
Fortunately, it was in the computer room space. When he explored the inside of the Shen Xiao Lei Zhu , he used his special control over the computer room space.These third grade elixirs can be used by some forces to support nearly ten early stage golden elixir monks.
The corpse can stay quietly. Early the next morning, Li Shiming was called to the courtyard outside the palace by Gu Jia s Hundred Miles Messenger Talisman.The ghost s attack is not a physical attack, but an attack against the spirit and soul.
Although the fifteen early Yuanying monks are all members of Yingting Village, they all know each other s nature very well.The troubles in Nanling City had nothing to do with him.
After entering the cave, he felt depressed and restless.In the right hand of Nascent Soul s Dharma form, he holds the Heaven Strike Thunder Hammer.
If there is any trouble, they can work together to deal with it.It s a pity that even if you want to die, you can t do it here.
He is not the only venerable person in Qianye Temple who is awake.
They even forgot that they were on the way to the charge.The current situation does not allow Luo Chen to try, so he can only rely on Tang San, an expert in mechanisms.
with the mutton fat chalcedony, those sects can always maintain a certain number of high level warriors.Although he had some guesses about the mechanism, there were so many lines.
He saw this small island, four or five meters away from the shore, and was connected to the shore by three stone bridges.Moreover, judging from Luo Chen s current strength, he is definitely not a silver handed man.
Woolen cloth The people I arranged to stay in Ningshui County two days ago came back and told me that Luo Chen was still alive and well.What will happen. After two breaths, there was no response from the blood ants.
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Luo Chen was stunned Then how did you get it Hehe Zheng Xiaoliu smiled proudly Have you forgotten my name in the world This
Hearing this, Luo Chen shook his head with a wry smile.The rain is falling, the wind is roaring, and no one is left in between This circle is Luo Chen s domain.
Let s go Let s go quickly The waiter got rid of Zheng Xiaoliu, grabbed the burly man who was going to avenge the woman, and ran towards the back kitchen.Although Luo Chen seemed to have no abnormality on the surface at this time, the true energy in his body had long been exhausted.
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he sneered. His perception was paying attention to the soldiers, and he already knew that these two people were the killers of the Hidden Killing Sect.
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is because Ziwu Villa is here to control our Gushan Town.
Luo Chen still remembered all the things that Yin Anzhi had done to embarrass him.This is on the Han River, my Cao Gang s territory. No one can hurt you and you can leave safely, not to mention Brother Jian here Zhao Zichen is a scheming person.
Their sect leader is a first class mid level warrior.Luo Chen glanced at Mr. Qin again, and then stepped directly into the room without saying a word.
You will be punished sooner or later. My grandfather will not treat you.If you hurt her, they will definitely not let you go.
Luo, I have misunderstood. My daughter never meant this.It is priceless but only more expensive than a set of Purple Mist Armor Master Zi , how many Purple Mist Armor and Black Cloud Horse do you want This
A basin of cold water was poured down, and Ziye suddenly had a toothache.
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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.