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.
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Thinking of the scene in the future where his family will have the ghost king cloak in their left hand and the cursed armor in their right hand, sweeping through all the major camps, he feels that he is not far away from reaching the pinnacle of his life.If he was greedy for loot, he might have been stopped halfway.
Now I finally feel the joy of being strong. However, this happiness must be controlled for the time being, because he needs to put away the loot quickly to avoid long nights and dreams.The annihilation ability is too overbearing As long as you are hit, no matter how high your defense is, you will have to kneel down.
That s right, it s because he poses too great a threat to these forces.Using the life for injury strategy, it didn t take long to finish off the remaining five.
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Not to mention the plan to kill only one tenth, it is really nothing.Zhao Hao was actually thinking about the pieces of information given by the other party.
They can upgrade to more than a dozen levels in a day.Boom, boom The huge body of the golden dragon rushed forward, like a chariot, and the skeleton was directly smashed, leaving a path of bones.
It was the snacks with the power of holy light that were more able to attract the attention of the abyss stalkers.As for the gargoyles. Sorry, Lei Mingling has never seen this kind of thing.
If the other party doesn t want to ruin their reputation, it s impossible for them to give false information.As for the shadow crystal, you can only get it easily after leaving the pool of shadow.
But from now on, they will understand the cruelty of the heroic world.Contribution value 32010. It was almost impossible to get this contribution until the opponent was weak.
Although the former has no lethality, it can knock up and stun the target.As for failure, it is impossible to happen in such a dense formation.
Feng Liuyun A voice sounded, and the foreign fans who besieged him also tacitly stopped and backed away.This mission was originally thought to be just a formality, so I accepted it even if the reward was not too high, but it was not worthwhile to fight for such a small reward, which is why their blood spears were paddled throughout the entire process.
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Even if he switches professions, his Source of Life suit is not a decoration.Although the president is still his, he has given up a lot of high level positions for the sake of balance.
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If you can even be immune to the influence of this kind of existence, then the priority of your talent will be frighteningly high.Once they know how rich the resources of the Broken Star Islands are, there will be no peace in the future.
But he didn t know that just after he set off, all members of the Raging Dragon Guild mobilized to form a mighty army and set off towards the Divine Grace Forest.ghost This is his best mobile shield. No matter how strong Bourbon is, he is still a body of flesh and blood, and he does not dare to ignore the attack of the ghost, so even if he wants to pursue him, he can only deal with the ghost in front of him first.
It doesn t deserve to be called a legendary ability.In mid air, the time assassin made plans for his subsequent actions.
But now the poison on the city wall Right now, Queen Medusa is moving to the rear, and there is no time to return to the defense.They can just sleep on the ground. At least there will be no accidents in a short period of time, and they are not as easy to get sick as humans.
They really need to break through the fortress quickly.No one will miss the opportunity to take advantage of their competitors.
It is indeed the best way to arrange it. You can t let the other party follow the team, otherwise they might be killed and silenced.Moreover, the golden light beam continued to spread, covering the entire Paradise Mountain and large areas nearby.
But when he was running the technique, he felt a trace of strange energy flowing into his body, which improved the effect of his technique to a stronger one than when he used the Pulse Locking Plate and the fourth grade high level spiritual elixir.They really wanted Li Yuanba to be the first to enter as the representative of Sword Intent Chongxiao Pavilion.
He took out the fourth grade high level flying boat and entered the Master Recognition Technique.Whether it s the magical power of Invisible Yuan Magnetic or the sword of Ling Baoxing, any secret is enough to bring him huge trouble.
Each of his one hundred and ninety one brains is capable of independent thinking.Finally, the Half Step Power should not be able to attack him from a distance.
The leading flying sword broke the formation. After the formation of the eight peaks was broken, more than a thousand flying swords rushed towards the caves on the peaks.Can t stay whole anymore. This was still superficial.
The dangers encountered while exploring the cave had nothing to do with Li Yuanba.The life saving jade talisman made by the White Emperor Sect is an earth escape jade talisman.
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He has no interest in power and fame. With his alchemy ability, fame and wealth can be obtained at any time without the need to control a force to obtain benefits.The space isolation barrier is not difficult to arrange, but after he just came into contact with the space isolation barrier, he found that this space isolation barrier was not simple.
Lan It s not for nothing that I got your spiritual tea.Have the Wuliang Sect not given up their suspicion on me yet Senior monk Luo Pei said to himself in confusion.
Now with the great monk s spiritual veins With the spiritual energy, Baolian Hall was reborn.This speculation increased the spread of panic and intensified the chaos in Qianrenzong Mountain Gate.
But now his realm has improved, and after the main body Li Shiming has practiced the Heavenly Art , the feeling for the rules has deepened a lot.Li Yuanba sensed that the lotus was not an ordinary fourth grade spiritual plant, but something similar to a rare treasure.
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An inner demon who is unable to escape in a cave is nothing compared to the demons in heaven.
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.