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.
Como parte de su transformación, Aeromar ha renovado su flota con aviones del fabricante franco-italiano ATR, que brindan confort, seguridad y además debido al bajo consumo de combustible, son aeronaves sustentables.
El conocimiento financiero es un imperativo para los gerentes de operaciones y cadena de suministro en el mundo actual. Hablar el idioma financiero no solo les brinda un asiento en la mesa de toma de decisiones, sino que también les permite influir en el rumbo estratégico y operativo de la organización.
Li Yuanba huddled behind and did not attract the attention of these monks.This is impossible Fan Xiang exclaimed. He wanted to take out the life saving jade charm, but due to his previous misjudgment, he waited until a great monk s attack was approaching.
Li Yuanba shook his head, didn t this just tell him that there was a treasure there He appeared outside 50 Wyld Cannabis Infused Pear Gummies Reviews Benefits And Science the formation in a Blue Steel Gummies 653 Many Benefits flash, and it took him a breath to break the formation.Soon he discovered something was wrong. Jian Lao s body was slightly transparent, and his whole body was like a luminous body.
The gravity field blessed by the Gravity Gold Brick pressed on the body Exploring The Benefits Of Nuleaf Naturals 61 Cbd Gummies A Comprehensive Guide of the late fourth grade hell horse headed creature, slowing its movements and allowing the sword cultivator who was diverted by it to prepare to attack the second target.The fighting methods he recognized now were not ordinary fighting methods.
Fortunately, the great monk left decisively. Finally, based on his own situation, the great monk The Benefits And Uses Of Cbd Bites Cbd Gummies Thc Free Isolate For Overall Wellbeing Mqjpl 78 summarized the information about the Hell Tired Crystal Essence.However, this is not unexplainable. The combat power displayed by the great monk Luo Pei far exceeded the expectations of the great monk Mao Jing, making the threat level of the great monk Luo Pei to the Fuliu Sect even greater than that of the Wuliang Sect.
So what was the purpose of these great monks stationed here The monk surnamed Wu did not expect that he would offend a group of great monks.This made the three great monks of the White Emperor Sect unable to take care of the other monks and could only summon the mountain magic weapon for defense.
At the same time, with the soul connection with the monk, when receiving the order to return, he can fly back to the monk from a million miles away.Three great sword cultivators, seemingly intentionally or unintentionally, sat around Li Yuanba, protecting him within them.
There is no problem with the fourth grade formation flag.Hey, the guardian has not recovered Wu Qi found that his sword cut off half of the Dongtian Guardian s arm.
Without the defensive magic weapon, the fire of Nirvana burned on their bodies.It is not easy to produce a fourth grade top elixir.
Li Yuanba did not participate, and it was completely done by the Great Master Hongfa himself.With the blessing of lightning rules, the Electric Light Cage has the effect of isolating space.
Even if he wasn t practicing, he wouldn t have any free time.Unless there is a Nascent Soul Ancestor who wants to re cultivate the golden corpse, the value of the golden corpse core is not high.
An ordinary weapon refining master needs to be careful even with a small number of runes, for fear of accidentally failing the weapon refining process, let alone hundreds of millions of runes.By now, Li Shiming s vision has already exceeded his realm, so he has no worries about the spiritual treasure weapon robbery.
He was worried that Li Yuanba was going in the wrong direction.The three mountain magic weapons landed some distance away from Li Yuanba and did not attack Li Yuanba.
Given the level of the sacred tree, not to mention that Li Shiming was only a mid stage Nascent Soul monk, even a great monk was not qualified to form a master relationship with the sacred tree.Li Yuanba opened his Spiritual Eyes , and without the influence of space cracks, his perception of energy became many times stronger.
Once these thirty six nodes were added, they were connected between the nodes many times by the fingers, forming a A larger formation structure diagram.The most troublesome thing among them is the mixture of spiritual power, but the Sword Intent Chongxiao Pavilion is one of the few superpowers in the world of immortality where all the sword cultivators practice the same technique.
A gentleman does not want to stay where he is without a dangerous wall.Not long ago, he was only at the tens of millions level.
Top assassin He has always been the only one who can sneak attack on others.Can their eyes not be green. There are even players who are afraid that they will not be able to grab it if they are slow, so they speed up and rush forward.
A fountain is slowly gushing out black liquid, soaking into the surrounding ground.A remote player with a few hundred health points would be considered good.
Uh huh The high speed rotating golden disc flew up and tore apart the melee player at the front.Only Zhao Hao had a calm face and a look in his eyes that said, It s just as I expected.
After all, the church is in a unified state. There is only one pope, and the number of nobles and kings is in double digits.Boom The Deadwood Warrior s counterattack landed on Bobo s fat body, causing his body to lean back slightly without causing any damage.
High attack power does not mean that defense power is also high.After a while, the team successfully reunited with Memphis.
I only have twenty taels of silver with me. The imperial edict said that we were sent to the army and our property was banned.The temperament difference is too big Just like Zhao Hao s part time identity, even if he has both identities, his appearance will not change, but he will not be considered the same person.
They only know that the opponent exists like a strategic nuclear weapon and rarely uses it.Therefore, dying here is the best choice for them and the church.
The princess and Chen Ruoli had known each other since childhood, so they arranged a banquet.Even Zhao Hao has an artifact that can Sink Your Teeth Into The Best Shark Tank Cbd Gummies For Sleep 17960 A Game make the phantom shooter s long range firepower not weaker than that of extraordinary level troops, or even a little stronger.
Nearly 100,000 orc warriors and dozens of Behemoths were easily defeated, and their strength is too amazing.It was really outrageous. Zhao Hao can also think of the reason.
On the contrary, without their strong existence, the remaining two parties would not have to guard against their cooperation and quickly exploit the You Iron Ore.The offense may be too weak, but it is not a problem to Cbd Gummies For Pain Management A Comprehensive Guide To Natural Relief 75808 Udoph hold on defensively for a while.
Before the dragon scale is destroyed, Freya can ignore ordinary orc attacks, and only a few strong ones can break through the defense.Even if it is attacked by a surprise attack and its combat effectiveness is not even half used, it can still destroy two steel battleships and dozens of large wooden battleships.
Do it to the best of your ability He doesn t know the Holy Mother.For those who do this, only the sword of dutiful son with someone behind his back can do it.
Because the other party is clearly trying to kill the devil and silence his mouth.In this way, the difficulty of redemption is reduced geometrically.
He is also considered a big boss among Goldline Cbd Gummies 29 High the players, so it is not surprising that he attracts attention.As long as two
no, as long as one day, I can end the battle Yule tried to persuade.
You only need to look at other arms to know this. The battle dwarves lost less than 2,000 units, less than half, and the deadwood warriors lost less than two squads, all caused by the special abilities of some demons.Chairman, do we want revenge a senior executive asked cautiously.
Li Yuanba did not look at Che Lian, but looked in the direction of Dongtian.Normally, a power with a Mahayana monk is a super power.
Yuanba, you are still faster 93335 How To Use Cbd Gummies A Comprehensive Guide To Benefits And Dosage Ijngz Wu Qi couldn t help but shook his head and sighed when he saw Li Yuanba taking out five mustard rings.If it were not for the Vajra of Lord Hongguang assisting the attack, it would not just dodge but fought back.
This requires the self defense of the voyage ship to be enough to withstand several attacks from fourth grade spiritual beasts.The Hell Resisting Crystal Essence in the bodies of these late stage fourth grade hell creatures is unknown, whether it is condensed by the late stage fourth grade hell creatures themselves or produced in the hell cave.
If this continues, once the great monks consume too much and encounter a large number of late fourth grade hell creatures, they may suffer heavy casualties.He checked his soul crystal ring and finally took out ten jade bottles and said.
By the time he reaches the peak of the great monk, he is afraid that in addition to being powerful, the entire world of immortality will be able to achieve even half a step of the Mahayana stage.Li Yuanba didn t have any objections. As long as Brother Lou agreed, he would lend it out.
Under Li Shiming s continuous improvement, although the Bansheng Cave is small, the five elements have perfected the four elements.Li Yuanba did not take action, and his five mid stage golden corpses opened the way at the front of the sword cultivators.
But he sensed what the mercury like substance was. It was an almost solidified sword intent.The radiation energy generated polluted many precious spiritual objects in the soul crystal ring.
If only the Yuanying was left to return, the target of this mission would not only be the monks in the middle stage of Yuanying, but also the large sects behind them
At least this large sect must pay a heavy price to let all forces know the determination of Jianyi Chongxiao Pavilion against its enemies.
Uncle Li, are you still making elixirs Yun Xiao, who hadn t seen him for a long time, saw Li Yuanba and hurriedly came over and asked.Anyway, if you fall, your wealth will have nothing to do with you, so it is better to stay in the sect.
After he put the jade box away, he took out two more jade slips.The white natal flying sword penetrated along the wound of the late 9255 Home Made Cannabis Gummies Recipes Benefits And Tips fourth grade hell bull headed creature.
If he had asked this question to any powerful person, the powerful person would probably look at him like a fool.of spiritual vegetables. In Yuntian Pavilion, most monks come to taste lower level spiritual Finding The Best Cbd 8236 Gummies Near You A Comprehensive Guide vegetables.
The formation on the mountain peak was opened, and Brother Ding entered it first, followed by Li Shiming and others.But things are different now. The Heavenly Ghost has swallowed the Nascent Soul of the great monk Duan Zhang, which has greatly improved the strength of the Heavenly Ghost.
In the end, the great monks joined forces and killed the five late fourth grade hell creatures.Their natal flying swords carried the sword intent and flew out, followed closely by the Ten Thousand Swords.
The interval between taking two fourth grade high grade elixirs is shorter, and the monks can practice more efficiently.He also took out the identity jade disk in his hand, as if he was ready to use the Space Acceptance Talisman at any time.
Those who can rush to the battlefield in a short time and want to pick up some bargains are naturally the monks nearby.When the energized flying swords flew out from the Ten Thousand Swords Peak , they all I felt my hair standing on end.
Later, Zhongzhou Commercial Bank discovered Director Sun s crime, and Director Sun was sent here.It was a strategy specially formulated for the great monk by IBMz15 after analyzing the personality of Focus 4985 Cbd Thc Gummies Enhancing Mental Clarity And Energy Qjywn the three great monks based on the information given by the Intelligence Department of Jianyi Chongxiao Pavilion.
The tripartite relationship is extremely complex. The devil s side is the simplest, just to devour all the creatures in the arena.Even whiteboard equipment ordinary quality is very rare on the market, so there are blue quality equipment for sale.
They caused harm to Zhao Hao from time to time, and even destroyed his false life before they were all wiped out.Moreover, the vine dragon is composed of countless man eating vines, and the roots of these man eating vines are now deeply rooted in the ground.
Call of the dead He was going to use ghosts to deal with or contain the spellcasters in the castle.The opponent s army is very strong, but let s not say that the Poisonous Scorpion Botanical 93595 Farms Cbd Gummies Full Product Review Mercenary Group is not afraid at all.
Even if it can attract a little firepower, it can alleviate some of the pressure on Freya s side in the city.If possible, Zhao Hao would naturally not want to see the orcs decline.
All I can say is that he is very good at dealing with demons.s. Hejia Xiaobingbing reminds you after reading this, remember to collect it.
After roaring, Bone Dragon seemed to have just realized that Zhao Hao and the others were in front of him.The Scarlet Fortress is a military fortress located in the northeast of the Crow Principality to defend against orc attacks among the Eight
Seven Principalities. A fortress dedicated to war, it was also an extremely important slave trading point.
After checking himself and finding that the fashion robe was perfectly fine, he moved on.On both sides of these bear men, a large number of green skinned orcs with big ears and nearly human height poured out, screaming strangely and rushing towards the spearmen s defense line.
Note, I m talking about power here, not damage. Strength enhancement brings many benefits, not just simple damage can describe.Forest of Divine Grace A picturesque tourist destination.
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while Star Language Merchant Group recruits young women who are new to society.The user s own life level is only about the main force, and there is no way to use his own advantages in the face of the plague.
Among them, the number of Behemoths non units alone is tens of thousands Now you know the value of camp war tactical retreat.Each maid whipped out a thin silver thread from her fingers and cut it.
The Xia players were very proud after reading this.Even the Cyclops outer shell took a long time to break through.
Group resurrection And the number is not one or two units, but hundreds or thousands.After getting these three items, Zhao Hao said to Nafu with satisfaction The transaction is completed.
After the bone structure was upgraded to the intermediate level, the bonus also doubled from 5 to 10.Several giant dragons either colluded with the red dragon, or were borrowed to kill people by the red dragon, but no matter which way it was, the red dragon in the camp was a real threat.
With the Crystal Dragon taking the initiative to attack, the second phase of this war began.After a battle, she determined that Barus s ability to fly was not his ability, but the bat wings behind his back.
There are hundreds of ghosts, no matter how strong the 12 guards who drank the potion are, they cannot ignore them.
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.