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.
Los precios especiales, descuentos y promociones pueden ayudarte para que tu página web atraiga clientes que de otra forma hubieran acudido a la tienda física.
La funcionalidad de gestión del caso en EAM es una forma fácil de hacerlo. Se puede hacer el seguimiento de todas las acciones tomadas y documentar toda la información pertinente de manera que esté grabada en un solo lugar.
Las PyME y los pequeños contribuyentes son, en este punto, los más afectados, pues al no prevenir con tiempo estos gastos tendrán que desembolsar una fuerte cantidad, de un día para otro, para tener dichas actualizaciones.
Xu Yang s complexion changed drastically and he quickly turned into a body with three heads and six arms.Fortunately, he reacted quickly, otherwise he would have been discovered by the guards on the wall.
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As soon as his complexion changed, his consciousness swept out, and he immediately found a mutated golden sword worm.In a short period of time, the recovery was seven or eight.
I have set up a large guard around the station.Senior Brother Bai will be in charge after the battle, and Wu Feiyang will be the new head, and all Jindan elders must cooperate with her to restore the sect.A gust of wind blew by, and the five ghost core cultivators turned into flying ash on the spot.
Beads, this treasure complements the seventh grade white The Ultimate Guide to Keto Flu Supplements: Everything You Need to Know lotus, which is enough to severely damage the power of refining the void.Bai Ru and Wu Feiyang were overjoyed when they saw this, they recognized these beetles, they were the fierce insects cultivated by Patriarch Xu.
Oh The man looked at Mr.Wang carefully for a moment, nodded and said, Yes, there is indeed some resemblance.There was a contact circle in the secret room for face to face communication.
Both of them looked like old men with sullen faces, and they directly attacked Xu Yang without any nonsense.As for other secret techniques, most of them are secret techniques for manipulating monsters, which are of no use to Xu Yang.
Seven days passed, after the continuous purification by the ancient mirage In-Depth Blue Vibe CBD Gummies Reviews on Reddit: Real User Feedback and Discussions Yuanjun, the magic power of the extraterrestrial celestial demons dropped rapidly, and they could no longer mobilize too much magic power.After a while, he finally reached the bottom of the river.
Xu Yang was not polite, and directly shouted Hurry up, the ancient prohibition here is about to break out After speaking, Xu Yang flew away with all his strength.After searching for this person s memory with the soul search Kevin James’ Weight Loss: A Step-by-Step Guide technique, Luo Hu s face was shocked immediately, and he couldn t help revealing a gleam of joy, and then he shot out a magic fire, burning The Ultimate Guide to Menopause Weight Loss: Transform Your Health in 2025 the monk in his hand to ashes.
What the hell are you You come in and keep nagging.Du Jiang scolded Du Heng, turned sideways and said with a smile, Hurry up to the house , have a cup of tea and take a break.
Use strong stimulation method. Du Fei left quickly and came back quickly.What kind of patient can Dr. Yu not do anything about Cold.
Li Qiuhua will be discharged from the hospital soon.As for the establishment, haha, a fixed amount of RMB 100,000 per month has been credited to the account after completing the task.
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The leader spoke, everyone Everyone listened carefully.My legs and feet, which had no feeling before, now have feeling.
Du Heng clapped gently, this kid is really handsome today.One is that the onset time is too long, and he is older and has severe muscle and tendon degeneration.
This was a big deal. The tutor is so angry, it doesn t matter whether you are a genius or not, you still get out of here.When they go to elementary school, they go to the place where they work, so the number of people in elementary school is smaller.
But now, she was excited and nervous. Each registered phone number and name represents a consumption of at least 1,000 yuan tomorrow.You two are already Behind the Scenes of Charles Barkley Weight Loss Transformation here. Just as he was thinking about it, the private room door behind him was pushed open.
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If Stimuli RX CBD Gummies for ED: Benefits and User Feedback it s still not better, call me. Thank you. Yan Ting held her child and was polite to Du Heng. Do you need to be so polite to me Du Heng replied with a smile.The reason why I was transferred to Fanjiaping was because of these materials.
She immediately 8 Unmissable Benefits of Incorporating Refine365 Keto Gummies into Your Diet became furious, pinched her waist with one hand, pointed at Du Heng with the other and shouted, What kind of attitude do you have Is this how you serve Where is your dean I m going to complain to your dean.Do you know that you have broken the law Zhang Jinlian continued to give her ideas as if she Spectrum CBD Gummies for ED Reviews: A Detailed Guide was doing it for your benefit, But it doesn t matter, Du Heng asked you to buy it.
Su Nan looked at the two people chatting happily and suddenly became a little anxious.Buwei, Exploring ED Relief: Insights on CBD Gummies come in. Du Heng said suddenly, Wu Buwei agreed and went in quickly.
He treated an average of 80 patients every day. He started working at 8 a.Before the curiosity subsided, after a while, the group of people just left and returned, and everyone who came in was carrying two or three lunch boxes.
There was no other way. Du Heng could only cough and interrupt them, Two teachers, from what the lady just said, the patient has been to many places over the years, including Chinese and Western medicine.The day before yesterday Du Heng s eyes lit up, What kind of medicine did you drink I don t know that.
This was a bit beyond Du Heng s expectations. Following the information left by Wang Shuqiu, Du Heng and others successfully found their location.Li Qiuhua actually found that Nature Boost Gummies for ED Reviews: Clinical Insights and Consumer Experiences Fuyang, Taichong, and Taixi meridians were still able to control and control the three meridians, which meant that the patient s stomach function was still there, there was no problem in holding food, and he could still absorb and digest food.
But this does not affect everyone s ability to eat melon.She must be pretty. Wang Zhenzhen was very enthusiastic and took Wang Shuqiu s hand to introduce her to Du Heng.
With his current medical skills specializing in internal medicine, as long as he is careful in dialectics, there is no cause that he cannot identify.I hurriedly wiped the sweat from my forehead, put a smile on my face again, and strongly invited the leaders and colleagues to take a few photos with the family members and patients who presented the banners.
Du Heng chuckled, Thank you for your trust. After checking the pulse, he pinched the patient s arm again, but there was no feedback at all.There was no way , we can only follow the old man s wishes.
He didn t entangle with the man in Tsing Yi anymore, and chose to kill the Jianghu person first.noob The fox chirped and lashed out.She curled up in Mu Nanzhi s warm embrace, holding a piece of sweet pastry with her two paws.
After putting away the key, Xu Qi an replied to Li Miaozhen Three I m at the Tongfu Inn, after entering the city, walk a mile along the main road, and you can see it.Sooner or later, Comprehensive Guide to Gummies for ED for Business Users I will send you to the Sitian Supervisor to learn art.
After repeating this several times, Xu Qi an guessed that it might be hypoxic, so he lifted its head out of the bed.He held the vajra cone and walked towards Xu Qi an.
Huaiqing is still the same as before, but her official position was taken away by the prince s brother.After chasing for nearly a quarter of an hour, the two sides left Yongzhou City, and Legendz XL Male Enhancement Supplement: A Comprehensive Guide there were no buildings outside the city.
The team members They took their seats one after another, chomped down on pigs, drank the medicinal wine unique to Sanshui Town, and complained about the damn weather.Following the sound of the teacup falling, Li Lingsu saw a dazzling sword light, he closed his eyes subconsciously, his eyeballs were hot, and tears rolled down.
After a while, his frozen eyes trembled slightly, and his breathing became rapid.Xu Qi an sat cross legged on the ground, with his back against the wall, and the corpses on both sides stood quietly.
He sat up abruptly, startling Mu Nanzhi and the little white fox who were huddled under the blanket and whispering.In the same realm, no one can kill an Arhat who saves love.
Xu Qi an cupped his Prime CBD Gummies Reviews for ED: Effectiveness and User Feedback hands at him, took the paper and read it.Everyone looked at Tang Yuanwu, and someone suddenly said This is the famous battle where Master Tang killed the old monster of Snake Mountain, and he entered the fourth rank.
Ji Xuan s sword is enough to break through the physical defense of a fourth rank martial artist of the same realm.Chai Xing er smiled coldly He is an old friend of mine.
Fly one head after another.Seeing this, Chen Er and the others didn t hesitate any longer, and ran towards the windows on both sides of the lobby, crashing into the windows and fleeing.Xu is your first wife, so you can t escape.In addition, how can Mrs.
On the one hand, she couldn t bear the death of her best friend in the catastrophe, and on the other hand, she didn t want Xu Transform Your Waistline: 8 Effective Ways on How to Lose Belly Fat Fast Qi an and her best friend to practice together.A clan elder with thinning hair pondered, What Xing er means is that Chai Xian did it Who else but him Chai Xing er sneered asked rhetorically.
It is a fact Darmbakterien und ihr Einfluss auf das Abnehmen that the sister in law has a good temperament, but it is hard to describe her appearance, not to mention the comparison with Sister Qing and Sister Rong, Semaglutide Alternatives for Weight Loss: Exploring Options even the maids in the East China Sea Dragon Palace are far better than her in appearance.The reason is very simple.Tianzong inheritance For thousands of years, masters have emerged in large numbers.
Confidently pinch his waist in front of him every day.Xu Yuanhuai is not stupid, on the contrary, he is very smart.
He wrapped his arms tightly around the waist of Tianzong Shengzi, choked up and said, Li Lang, I will miss you so much after a while.Xu Pingzhi is now a Qianhu of the imperial sword guard, with a high position Exercise-Free Regime:How to Lose Weight Fast if You Can t Exercise and great power.
In addition, monks, like warriors, follow the path of refining and transforming qi, and have a huge appetite.As for Miao Youfang, Chu Zhuangyuan did not mean to look down on him.
Nalan Tianlu was dreaming asked.At this time, he was half awake and half asleep.Shura Vajra Dufan shot out an air machine, and with a ding , it hit the Buddha Pagoda, and it flew obliquely and hit the ground heavily.
The little fox said happily.Why don t you report it After waiting for a while, Xu Qi an still didn t speak when he saw her He looked at himself longingly.Well, she was even more proud and reserved.Xu Qi an let out a breath.
Xu Qi an can testify to this, but he hardly ever saw her change the outer robes.Li Lingsu looked at him in disbelief.That afternoon, the famous female heroine Feiyan, who was dressed in Taoist robes and had been rumored for a long time, fled into Leizhou City drenched in blood.
Headache Price Keto Gummies: Are They Worth It? Didn t you see it Wu Buwei nodded, Not only did I not see it, but Dr.Stop thinking nonsense, it has nothing to do with them.
At this moment, when he heard the male doctor s words, he shook his head with a heavy face, The family members don t agree.That s okay. The aunt finally called her grandson. Within thirty seconds, a man and a woman in their thirties squeezed in from the ED Gummies on Shark Tank: Comprehensive Analysis and User Feedback crowd outside the door.
Want to take a moment I m quite busy at work, so it s hard to ask for leave.It s hard not to notice them. Compared with Wang Shuqiu s conservative style, Liao Yuzhu s dress is that of a city girl, a fashionable girl, and implements the purpose of a cool summer.
Liao Quansheng suggested that we eat together. Du Heng also had this intention.By the way, has the gastric cancer patient not come for a follow up visit yet Gu Ping shook his head, I guess he won t come.
Otherwise, we won t be able to continue today s treatment.Yu 6 Expert-Approved Healthy Drink Recipes to Lose Weight Haiting hurriedly explained, The patient was sent to the First City Hospital the night before yesterday.
You deserve this. After Shixuan finished bleeding, Du Heng once again stimulated Renzhong and Neiguan.It s caused by medicine. Looking at the prescription in his hand, Du Heng was speechless.
Zhou Yixian frowned. Wrinkled, Does this have anything to do with calling Du Heng here The male doctor pursed his lips and said, Director, don t wait to hear me out.Du Heng looked at the people and asked a little dull, What s going on Didn t you say that Xiao Fang was beaten Why did Yu Zhu become like this Wang Shuqiu glanced at the two people on Total Health Keto Gummies Dragons Den: Getting Investors’ Approval for Healthier Living the sofa, Let Xiao Fang Tell me, I don t know very well, I just came in a few minutes before you.
But this kid was busy with his life, and while working as a village doctor, he opened a farmhouse.Together with Zhu Fanmin, the eldest brother who is a secretary, and Zhu Minyan, who was admitted Which bcaa is best for weight loss to Qingbei, it can be said that life was very comfortable and very respectable.
He took out the bank card in his trouser pocket and slapped it into Wei Kaida s hand, Just stroll outside for a while.I m leaving. I have something to do. And he left right away. When he finished speaking, he had already arrived at the parking lot.
You are a criminal police officer. Du Heng was startled and looked at Wu Shengnan in surprise.After saying goodbye to each other, he and Wang Shuqiu drove home together.
After repairing it, he asked his wife to start the car and reverse it.After speaking, he became angry. Then he left, while Wang Juguo looked depressed.
I will find the best lawyer to litigate this lawsuit.But do I lack his money There is no shortage, and I don t feel comfortable taking it, so there is no need.
I originally thought I was going to lose money and avoid disaster, but I didn t expect it to be a farce in the end.Your expression is normal. Then Du Bing s wife won t be able to think about it anymore, right No, these are impulsive types.
I don t know what your specific job is, but you should know that your current situation is no longer suitable for continuing to work.
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.