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 inventario gestionado por el proveedor VMI es una técnica de gestión de inventario en la que el proveedor/vendedor asume la responsabilidad total de optimizar y mantener el inventario mantenido por un minorista
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In his eyes, the young man in white waved his hand and led the cavalry towards the east of the city.The knuckles of his clenched fists made a pop sound, and his body shook as he was about to take action.
The shadow is not much different from the usual one, but if you look carefully, you will find that there is a spot in the shadow that is darker than other places.It was not until the afternoon that the building boat stopped at the dock of Wuwei City.
Look at the little girl. Come here Come and chop Who is afraid of you The little girl was not afraid of the vicious words of the bearded man.Dang, Dang
The weapons in the hands of the two men kept colliding with each other, faster and faster.
Close Behind the door, Luo Chen began to prepare Yuhuaye.Yuxi, go to Shopkeeper Zhao. After saying that, Luo Chen took the lead and walked over.
Yin Shanyue, who had been paying attention to Ling Xue, smiled secretly when he saw this.Their Longwei Escort Agency has developed to The arrival of other states has taken away many people s jobs and has been regarded as a thorn in the side of many forces.
Back to the princess It s
Lu Weiwei was about to report, but the girl spoke first.In an attack, Ziwu Villa will definitely suffer casualties.
So, Princess Mingyue frowned and looked at Yin Anzhi and the two of them, and said, Young Master Luo is a friend invited by me.Even if there are , Luo Chen will not sell it to the military.
Looking at the group of people opposite who had the highest level of cultivation and were only at the third rate peak level, San er was no longer afraid now and Nature's Elixir CBD Gummies: Benefits, Reviews, and Effects
looked at Heilongjiang with bright eyes.You bastard That kid must have betrayed us The middle aged warrior immediately cursed angrily.
Grass Seeing that the only half of the dagger left in his hand was rapidly dissolving, Yin Shanyue dropped it on the ground angrily.Although your young master is no longer here, the mission is still there, so I will kill that young man secretly.
Cultivation is necessary Moreover, Luo Chen has sword power in terms ActivGenix CBD Gummies Reviews and Complaints: Honest Feedback from Satisfied Customers
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Not bad Not bad That s it Looking at the uniformly sized black particles with a pungent smell, Luo Chen s face suddenly showed excitement.The Balrog Bear waved his thick palm and slapped the Iron Arm Ape directly on the head.
Yes Luo Chen nodded, and the matter at the shipyard was decided for the time being.
Poverty, backwardness, low self esteem, timid yet stubborn, strong
He seems to have the label of an ordinary person attached to him.A big time later
This is a stain. Ye Lan sat down on the train, and you stayed next to Lin Xia
feeling all aggrieved. Nothing self righteous I admire you very much It was physical torture.
I just watched it, and watched it carefully every time, and clapped excitedly, Bi Feiyu won the award.How about that contract It was very detailed. Have you checked it with a lawyer This contract is very generous.
Of course, I didn t say anything about you. I don t mean you re not good enough, but you are quite good.They chatted all day long. Throughout the whole day, Xu Bowen listened to Sydney’s Best Keto Gummies Weight Loss Brands to Watch in Winter 2025
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However, the messy things in some third rate movies did not appear.You frowned slightly, looking at The resources of the world in the distance are not just a carrot but a pit.
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At this moment, Yang Chen didn t care about the results of Breaking the Sphere.At 30,000 words, 40,000 words
Zhang Sheng carefully looked at the previous announcements on Qiming Chinese website, and when he searched for break off flow , he finally realized.
The film invested 17 million, and the starring cast did not include the popular Hachi.After a few days, he finally couldn t hold it anymore and lost millions
Is there anything else that he doesn t know about reality He agrees with what Xu Shengnan and Sister PrimalX Ultimate Male Enhancement Gummies Review: Do They Really Boost Performance?
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Even the name of the store Weak Victory Mall had to be changed to Weak Victory Mall.From Elaine s very deep voice, he heard Sailu s subsequent story.
There is such a sign hanging in the most conspicuous place of the Yaohua building.He saw a beautiful female police officer with short hair walking over.
But it was impossible for her to reveal the idea that Du Hui was difficult to become popular.A month later, you recovered. When Lin Xia came over, you nodded to Lin Xia, Lin Xia, are you kidding me You know the hospital report card and the probability of standing up.
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I have done this to repay evil with kindness. Do I have the qualifications to do things that are strict for others on behalf of Song Yao in the future
See Looking at the poor performance of this couple.
This time He saw another Lin Xia. After a brief look at each other, Gu Jiangyan looked away, then took out a lease agreement and handed it to Lin Xia I know you are kind and independent.Chen Mengting listened to the phone call and vaguely felt that the call was from a middle aged woman.
Immediately afterwards I became excited After taking a look at the busy students at the Training Base , he immediately walked towards the school.Meng Shurong kicked him into the hospital. The boy scolded you again, but then some people outside the company let you go.
This feeling is more satisfying than the humiliation I suffered in Shengshi Entertainment
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they support the younger generations
The weather is obviously extremely hot, but Zhang Panpan feels that it is getting colder.
Zheng s office to talk about terminating contracts.Today seems to be a fruitful day Later, Zhang Sheng felt hungry.
It seems that the person editing the video is a novice with little experience.After calling Zhang Sheng, Chen Mengting, who was already tired, suddenly I can t sleep anymore.
But Ancestor Yu saw further. The fourth grade Fire Phoenix Baoding was just a dead object.He really didn t want to experience the disaster caused by the weapon again.
Xiong Long was beaten by Li Shiming s lightning spell and lost his temper.Wan Jianfeng was originally reserved for Yuanba. His sword cultivation path does not necessarily have to follow the same path as mine.
Driven by the three Nascent Soul cultivators, they were able to increase the speed of the fourth grade flying boat several times, and finally they were not abandoned by Li Yuanba.Unexpectedly, meeting Master Wu s uncle would not only complete his foundation, but also unexpectedly Finding Restful Nights with Full Spectrum Gummies for Sleep: A Comprehensive Guide (piqKT)
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The jade plaque he wanted to make was absolutely irreproducible.There is probably no monk in the world of immortality who can be as calm as him when facing the thunder.
It will help you a little if you take this Brother Hu thought for a while, took out a fragment from his body and handed it to Li Shiming and said.You can download it here. During the time when he came to Beishu Continent, what Elder Sun Ao heard the most was the legendary story about Li Shiming.
After you join the Jian Clan, you automatically have the status of a core monk of the Sword Intent Chongxiao Pavilion, and have the right to live in the Sword Cave.Probably due to lack of manpower, these formation materials were not even rough processed.
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Master, why don t you ask fellow Taoist Jingmo to mediate Elder Yi Jindan suggested.After complex formation transformation, the fourth grade attack magic weapon was activated, and an energy bomb was shot from the fourth grade attack magic weapon.
In fact, Elder Baili knew about Li Shiming s performance on Seven Star Island, so he assigned 2025 Update: 8 Effective Apple Cider Vinegar Detox and Weight Loss Solutions You Need to Try
the task to Tianlinggen s genius disciple.He didn t understand Li Shiming. When Li Shiming traveled to this world, even in a secular home, he didn t feel a strong sense of belonging.
The Golden Corpse Black Shield is different. The body of the Golden Corpse Black Shield was originally cultivated by the monks of the Hidden Sun Sect as a refined corpse.As for why the three villains of the Ping clan are not in the cave, this has to do with the way the three villains of the Ping clan behave.
But he didn t even know the process of forming the Yuanying s Dharma after the Yuanying emerged from the body, let alone manipulated Venerable Huijing to form the Yuanying s Dharma.The quiet third grade flying boat was flying in the air.
He also engraved hundreds of thousands of formations on this fourth grade cone shaped magic weapon.After returning to his cave, he thought about the whole story of the attack.
I happened to meet the landlord. The landlord, who used to be quite enthusiastic, now looked a little reserved when he saw him, Unveiling the Power of h4 CBD Gummies: Your Ultimate Guide
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He had even been reprimanded by Zhang Sheng before, and his dignity was completely ruined.I m sorry
With all due respect, this is your third mistake, and it is the most fatal mistake.
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The crowd was huge. The young man was pushed to a corner, his eyes were ugly, and he finally sat silently.Then, he analyzed the vulnerabilities of the burning P picture very carefully
After sending it out
Feeling upset again, she was so angry that she updated these photos on Weibo to help Weineng clarify
Seeing this scene
Zhen Dandan fell into deep thought for a short time.
Since the documentary Graduation Years ended and gained a certain influence on the Internet, director Li Zhonghe has been looking for new directions.He took a long breath, his emotions continued to rise, and he even wanted to yell loudly.
He was not used to the students who were late and wrote them down one by one in the roll call list.Zhang Sheng s network is becoming more and more complete, like a small ecological chain, one link after another
and they are the controllers of each link. It seems that making money is no longer a problem.
She actually couldn t see what Zhang Sheng was thinking.But I didn t really agree. He just stared silently at the brightly lit low rise buildings in the distance.
If this book really attracts In their words, then
Then what Lin Xia asked again. The wind is picking up
Zhang Sheng looked at the plastic bag blown up by the wind in the distance, watched it float up from the street, and then, under the eyes of the sanitation workers, floated into the sky to an unknown distance.
She frowned. She wanted to Weight Loss Supplements: What Works and What Doesn’t
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Caught off guard, Li Qiang was pulled out by Ah K.Moreover, our studio has reached a strategic agreement with Starlight Future , and we can use part of Starlight Future Resources, with this part of the resources, we have reached a strategic agreement with an off campus company.
I gave it to you, what should I do with Huaxing I need core technical backbones, just one or two.She looked at Zhang Sheng s back for a long time. Every word Zhang Sheng said was extremely shocking.
Then she went into the bedroom. Zhang Sheng looked at the sofa.All the songs in the album
No need. This young man looked like a college student, but unlike other college students, he seemed to have no regrets after hearing that the album was missing.
The documentary shooting team Follow me, and insert some interviews with migrant workers on debt collection along the way.Although he didn t understand what was going on, Ryan knew that Tom seemed to have some estrangement or conflict with this Chinese man.
The higher the plate, the more we plan. The more people participate, the more variables and risks there will be
It s normal. I personally think the School Beauty activity is already very ideal But
Senior, relax, relax. We must stay calm and rational.Chen Zhizhong did not answer Zhang Sheng s words, but after thinking for a while, his smile gradually disappeared You are a student I have seen who is particularly sensitive to law.
For example, some illegal loan sharks, I believe they will call me every day after a period of time.Mozi s endorsement is only a few million. If I really spend so much money to endorse you, maybe Everyone will think I m crazy
Lin Guodong stared at Zhang Sheng with squinted eyes.
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.