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 tecnología, junto con una planificación estratégica de la fuerza laboral y la inversión en optimización de flujos de trabajo, ofrece la oportunidad de cerrar la brecha entre las grandes y pequeñas empresas en cuanto a las expectativas de cumplimiento de pedidos. La adaptación de las organizaciones a estos desafíos mediante el uso de soluciones tecnológicas será clave para lograr el pedido perfecto y asegurar la satisfacción del cliente a largo plazo.
Superar los cuellos de botella en la cadena de suministro requiere un enfoque integral. Desde la identificación de problemas hasta la implementación de tecnologías y la contratación de personal adicional, las estrategias deben adaptarse a las necesidades específicas de cada empresa. La inversión en tecnologías innovadoras y la colaboración con expertos en logística son pasos clave hacia una cadena de suministro fluida y eficiente. Con un enfoque proactivo, las empresas pueden anticipar desafíos y garantizar un flujo continuo de productos hacia sus clientes.
Hoy, en un mundo repleto de ofertas de marcas y servicios, querrás darle valor a tu producto ofreciendo un trato cercano y personalizado y lo mejor de todo, es que puedes comenzar a hacerlo desde hoy.
He directly acquiesced that it was Rabbit s doing and asked to stop the cyber attack immediately.Jiuzhou Blue Arrow has a clear goal plan and is proceeding step by step.
All in all, the market performance of S3 has greatly exceeded expectations, making the capital market more optimistic about the valuation of Xingyu Technology.89 , closing at 1973. 52 points. It fell another 0. 51 on Thursday, with the index closing at 1963.
Just when the entire Internet was flooded with that incident, before half an hour, the stars Capital issued an urgent public notice and actually controlled Lu Chengye and called the police.Although the rebound in April was not as strong as in January and February and did not reach a new high, the rebound was still barely strong.
After the close, Tianzhou Online finally closed up 2.Baoli Real Estate, which was around 15 yuan, Zhongguo Life Insurance, which fell below 15 yuan, Changcheng Auto, a sub new stock that fell 8 on the day it was listed on September 28 before the holiday, and so on.
However, the terms of the agreement did not stipulate that Qunxing Capital would cover investment losses.It is not that the backdoor listing will reach its peak on the day of listing.
5. 4 billion yuan. Now the market is hyping up again, saying that quantitative capital cannot use diversified finance to value the company, but should value it according to high tech companies.There was also a floor and sky board, and the stock price also rebounded to 88.
At this moment, the comment areas of stock forums and many communication groups are basically discussing these stocks.Compared with artificial intelligence, human traders were only as efficient as placing orders.
Ma Gaoyuan didn t resist this at all. After all, the other party is a capital giant group and also has interests.What can you exchange for rupees Can you exchange it for cow dung Qiu Guangcheng Uh
Fang Hong continued Ah San looks like Everyone is fooled.
Each drone has a unique LED light, and each drone is equivalent to a pixel, which can image in the night sky.S3 mobile phone sales are rising steadily, and the company is also increasing orders for chip processors, opening up new expectations.
Everyone is frightened. The slightest disturbance will trigger panic and lead to an irrational stampede to escape and sell.Moreover, the profits provided by Xingyu Technology to its supply chain manufacturers are much higher than those of its peers.
I m so crazy
It s crazy Are GEM ETFs going to hit the daily limit Ah this
The target price is 1,400 points. How far has it come It s not even 800 points yet.Fang Hong s personal Weibo account K3478 now has 60 million followers, of which at least 50 million followers are investors.
A PhD student at MIT, he returned to China five years ago and co founded a technology company that researches robots, Qizhi Intelligent Technology Co.Whichever of the two evils is the lesser, agricultural products are The foundation of food and clothing must not Alpha monkey April bites little monkey extremely [Z5bEBPShReC]
be touched, and then there is only the commercial housing market.
An industrial electronic product has become so highly hyped and Tadalafila vs. Viagra: Qual é Melhor? shorts podcast bodybuilding [j6SukZjTFYn]
has become a unique phenomenon.The company s current equity is all in my name. I will directly package it for 100 million and give it to Qunxing Capital, and then value it at 55 Get RMB 100 million.
This promoter is most likely to be a peace between the inner ghost and the external enemy.To put it bluntly, they cannot do without the land and finance approach.
Today, the Shanghai Stock Exchange Index opened slightly higher by 0.Tian Jiayi made a memo, then looked up at Fang Hong and asked How much money did Xingyu Technology raise in its IPO How many times the price earnings ratio was given After hearing this, Fang Hong asked The company s performance last year Is it out What is the revenue and net profit Tian Jiayi nodded and replied Well, it just came out last week.
I haven t even opened the champagne yet, but I even dreamed that it would turn into a stop loss situation in an instant.Amortize Apple s R D costs, and have more profits to support Apple s development of more advanced chips, thereby continuing to Uncanna Full Spectrum CBD Oil: Part - 3 [qSR56wLWIV2]
lead the market.
This puts our domestic substitution strategy into a very passive situation and is very uncomfortable.Investors in the two major cities are excited. what s the situation GEM, is this crazy Why is the GEM so strong today Because God John Daly on diet: Cigarettes, candy, 15 sodas [qCGSkjwq4g4]
K is optimistic about the GEM, you don t even know this K is really awesome.
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love, but she still wanted to talk to Li Shiming.He took the Senluo Order in his hand and waited for the Senluo Sect s reaction.
Senluo Sect itself is a demon sect, and corpse refining is one of the important sources of combat power for the demon sect.road. Li Shiming didn t expect that his performance was so imperfect that he didn t deceive the other party.
The sense of humiliation and anger gave him a strong murderous intention.It is just a good time to show Li Shiming his combat power so that he can conquer Li Shiming in the future.
But he didn t understand why the Xuanming Sect monks could freely enter the Tianhai Sect.The most important thing is that Gu Jia is also connected with the Immortal Ascension Conference.
His soul was placed in the golden elixir. He wanted to bring the space ring and his own magic weapon, but he had lost most of his power and did not have much strength to take out the space ring and the space ring buried under the concrete.Every item in it is too precious to him. The Bronze Corpse Clone should be regarded as an enhanced form of the Clone, with the defense and strength increased by almost twice.
Their spirits had suffered a certain amount of backlash.But from the name, you can tell that this is a method of refining corpses for your own use.
processed screams. This demon sound reaches the ears false scream, because it is not integrated with spiritual power, its power is greatly reduced.If he hadn t sensed about a thousand taels of gold, a mountain sized pile of silver, Hemp Oil Used To Cure Diabetes (worth a watch) [DqCFr6I90QN]
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produced by each furnace to create the top elixir on his own.Surgery was only the prerequisite for transformation.
Elder Baili just wanted to create pressure so that Tianhaizong would let him meet Yin Shilan so that he could ask about Baili Natural Bodybuilding Testosterone Recovery (3 Month Update) [cPn5BEeYDhm]
Jinyan.The technique that can be regarded as the main practice by Baili Jinyan must be the most top Qi refining period technique.
To defeat the Foundation Establishment Monk, you can rely on faster speed and stronger strength, but if you want to kill the Foundation Establishment Monk, you need to break the Foundation Establishment Monk s defense.It wasn t that something bad had happened, but that his practice speed had accelerated again.
Except for Han Yu and the two fifth level Qi refining monks, the other ten monks had been affected by the Life Calling Sanskrit Sound and were in such a daze that they could no longer support their body protection spells.I ve seen Master At this time, Elder Su appeared in the pavilion, and all the disciples quickly bowed and saluted.
If we really pursue the case, he, the prefect, may not even be able to save his life.This was a good thing, indicating that there was no elder level battle in the sect s waters.
What is this he asked after hesitation. Even if you don t know anything about the spiritual object in the box, you still know that the quality of this spiritual object must be extraordinary and its value is not low.The Broken Jade Sword was much inferior to the quality of the super grade sword type magic weapon, so he did not choose to confront it head on.
When Li Shiming used the Sword Control Technique , a few swords made the Beishu monk lose control of his super grade magic weapon.The parts in my hands are the first real display of the technology of my previous life in this world.
At first, Yin Shilan asked him some calculation questions, and she always contacted him at noon.However, it has a time limit and is an explosive method.
It can be seen that the monks have contempt for the secular world.That is why he did such a bold thing because he was ignorant and fearless.
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Li Shiming felt like he had turned into a piece of fat, a piece of fat that Yun Xingyi was worried about, and he might step forward and take a bite at any time.A medium grade long sword instrument and a medium grade shield instrument appear to be the personal instruments of the old monks of the Hao family.
True monks always have some powerful life saving means.The sky is getting dark. In a place like this, it is not advisable to operate in the dark.
He stored the top level Shushan Hunyuan Pill alone in a jade bottle, and there were already three top level Shushan Hunyuan Pills in it.Obviously Master Ma saw something, but he didn t say it clearly.
The seven bodyguards tried their best to block it, allowing Mr.He didn t want to let the monk know his origin and find him because of his carelessness.
The young man who lost his arm looked at Li Yuanba warily.It is one of the mainstream magical weapons of Xuanming Sect monks.
She no longer dared to use her spiritual power to drive magic weapons because she didn t have much spiritual power left in her body.What kind of gap can make the four maids unable to fight back in Li Shiming s hands.
The elixirs used by Qi Refining monks are first grade elixirs, which are divided into low level, mid level, high level, and top level according to their quality.In the computer room space, The clone is absorbing spiritual energy.
The clone transformed back into human form, and the injuries on his body were completely gone.This seems to be something feasible An idea flashed through Li Shi s mind, and he was no longer in a hurry to leave.
Li Shiming was at the bottleneck of the third level of Qi refining, and he noticed it when they met.Li Yuanba s sword cultivation talent is top notch, and his spirit is even more powerful.
She turned into a close sister again and fell towards the island.Li Shiming didn t know this. He flew on the paper crane until dark without using his sword escape.
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bring a foundation building pill with them when building the foundation.He saw the confusion and panic on Li Shiming s face, and his smile couldn t help but bring out the superiority of controlling life and death.
Entering the temporary cave, he immediately released the girl from the computer room.When you return to the sect, please contact me. If you don t contact me, I will ignore you again Ren Feier glanced at the deep void with an unhappy face.
The sect formation will forcibly tear apart the defensive formations of this type of cave.The flying boat returns to the interior of the North Sea When the first golden elixir monk flew to Seven Star Island, the golden elixir on the flying boat made a choice.
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needs to observe the situation on the battlefield and study the formation on the Zhengdao side.Li Shiming was slightly startled. The relics of Buddhist monks were not those of ordinary monks.
All the mountains on this side are relatively gentle.
With his current cultivation speed, even if he is given another hundred years, it will be good if he can cultivate Dao Yuanying to perfection.It seems that he has given up early. Make sure you can t escape 12 Foods to Avoid to Lose Belly Fat bellyfat losebellyfat [qzpmvDQPWKQ]
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it still cannot completely remove the toxins.Strictly speaking, my death is a kind of relief. Little friend Qingyang, you don t have to feel sorry for me.
I also gave a gift, Mingshi. It took a lot of money, and I said good things, but I still can t see the Baimei Ghost King.The monks also sent several groups of reinforcements.
Qingyang still needed to be careful. When the gray bearded rat passed by Qingyang, he suddenly frowned, stopped, sniffed around with his nose, and looked around with bright eyes.However, most of the energy that rushed into Qingyang s body was consumed by them.
and then slowly replenish the spiritual roots through other means.The third brother and I will be out soon after we finish our work.
He can just run away. This Hundreds of years of inheritance and his disciples and grandchildren are about to suffer.He was really greedy. The giant ghost king laughed angrily and said, What if you lose If I lose, then Even my life is yours, so of course you can do whatever you want Fuliu Ghost King said, as if he didn t care about winning or losing.
Those few months were the most comfortable period of her life.Senior Qingyang is welcome to visit. As he spoke, Duanmu Fei s injury Most of the time, the four descendants of the Duanmu family gradually What if a Women Takes Viagra: How Exactly Does Female Viagra Work? [WmAHTrT7lZO]
lost their fear when they saw that Qingyang was so familiar with their aunt, especially the youngest woman who dared to stare at Qingyang boldly.
Master Lingxu should honestly tell me all the information about the blood demon Gu mother to avoid trouble.Seeing that the black energy is about to attack, Qingyang s divine thoughts He turned sharply and instantly placed layers of defense outside his eyebrows.
Seeing that no one agreed with him, the Big Belly Ghost King shook his head with regret and said It s such a delicious food, but no one is willing to share it with me.Leader, Qingyang finally met a group of locals. He originally planned to save them and ask for directions, but now he must help.
Somewhat unable to resist, Qingyang sighed helplessly as he saw the Yellow Chen Earth Spiders around him moving toward him again, and ducked into the Drunk Immortal Gourd.I didn t expect this time. There was actually a ninth level golden elixir monk who was able to pass the level, and even more unexpectedly, it was Dou Changzai didn t seem to care about this, but continued I heard that Baimei Ghost King is not only highly cultivated, but also very charming and beautiful.
You know, this is the dragon who failed to overcome the tribulation, even if he had already Even if it is dead, the energy and aura and coercion contained in it are not something low level Jindan monks and Nascent Soul monks like them can withstand.The eyes of all Yuanying monks suddenly lit up. It seems that Qingyang s alchemy skills are even better than those of the Alchemy Emperor.
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the ancestor of the Zheng family was the first to discover the relatively well preserved dragon bones.Trembling, if not for their superior strength, the entire stand would have been overturned.
It depends on when the magic dragon can no longer hold on.Ordinary people cannot live for such a long time, but monks can.
Moreover, this space seems to be able to continue to grow with the improvement of Qingyang s cultivation, as if there is no limit.In Duanmu Fei s mind, no matter how outstanding Qingyang s performance is, it is all as it should be.
If you have any requests, little friend Qingyang, please feel free to ask.After solving the headless male corpse and the human head, the surrounding environment suddenly changed.
Qingyang closed the restriction outside, entered a quiet room, took out the Blood Demon Cult Book he copied before, and found the information about the Blood Demon Gu.
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.