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 atención al cliente es un traje a la medida. Existen compañías que pueden prescindir totalmente de las líneas telefónicas; existen otras que requieren interactuar por ese medio.
Song Xiangdong knew the importance of this matter, and at the same time, How Natural Detox Can Improve Your Overall Health and Aid in Weight Loss
he thought of one more thing rating test His strength has improved so much now that his previous rating may not match him.The next moment. I didn t see him making any moves.
I ll look for it too. Just look for the name from the front
Everyone began to help Director Zhang search for the so called other Lin Beichen.In other words, except for Li Youquan, who died before, these people on Wuling Mountain are all members of your gang Are there any accomplices who are still absconding Yes.
The team leader was shot to death The sound of gunfire coming from the other side of the phone gradually The Hidden Dangers of Sleeping Gummies: How Many Sleeping Gummies Are Harmful (jlTYb)
faded, until finally there was no sound of gunfire, and only the weird accent of Snake Eyes State continued to come from the phone.Bang A deafening roar exploded The water curtain suddenly exploded in front of everyone s eyes, turning into heavy rain and flying around randomly In an instant, the fiery atmosphere at the Chaoguan Pier reached its peak Wow, the lightning is really hitting the waves now.
What are you going to do next Remove all the explosives from your bodies and throw them there.He smiled and shook his head, put down what he was doing, and concentrated on chatting with them.
He also had to consider it as if it were true. Everyone retreat five meters and set up a cordon Wu Xianyong made a prompt decision Following his order, the police officers immediately took action and executed it within minutes For a moment, the onlookers who were isolated outside the cordon exploded.
Even if he sent a special operations team to the Snake Eyes State and killed several people from the Snake Eyes State s forces, wouldn t all his own people be killed as well Is it worth putting the matter directly on the table Isn t this too much to make a fuss about It cannot understand the behavior Discover the Best Cannabis Gummies 2025: Top-Rated Products and Reviews
of the Snake Eyes State.
The next second, a dozen people formed a human wall to protect him in the middle, and followed him out of the lounge.People are still the same people. Song Xiangdong and other leaders of the Security Bureau were sitting at the table.
Lin Beichen carefully looked at the direction of the mountains in this area, and could vaguely see something like a unicorn.She clicked on the screenshot and looked at it with Lin Xiangdong.
at this time. Sudden The gate to the closed venue slowly opened.And, the most important thing is
they don t recognize the outline of this figure. At this time, one of the firefighters confirmed in a hoarse voice Hey, are you a resident Discover CBD, CBG, CBC Gummies: Benefits, Dosage, and Effects
who lives here and are you trapped here No, I m here to rescue you.
After all
Lin Beichen s current state is exactly like copying and pasting yesterday s state.Want to play A beautiful woman has a date, why not go Lin Beichen said Okay, it s been almost a month since I came to the imperial capital, and I haven t done much sightseeing.
The agent who led the way pushed the door halfway open, and the door crack was just big enough for one person to enter.The young man with eyes cried out in surprise when he saw the shark s dorsal fin.
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stopped moving, his body became stiffer, and his limbs still maintained the last twisted posture before they stopped trembling.And his strange behavior also attracted the attention of many people.
He leaned his head on the window frame and looked out the window.Hello, this is the Yokosaka County Office. What happened This is a volcano research center.
He picked it up and observed it carefully. After some verification, he finally confirmed the authenticity of the document.Over the years, relying on this feeling, he had escaped countless dangers.
Qian Yi didn t mince words and started asking directly Classmate Lin Beichen, a total of six corpses have been found on the mountain.Netizens who watched the live broadcast felt that this scene had subverted their understanding.
After speaking, Wang Kai turned to look at Sun Chao not far away and said He can explain I think I ve pretty much explained everything, except for the information about the children on the list.He was wearing a brightly colored wide sweatshirt, a pair of dark red loose sweatpants, a pair of black and red basketball shoes, and a large gold backpack.
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it be
It s really not feasible to study the human body in medicine Lin Beichen began to reflect and summarize.Lin Beichen couldn t feel the feeling of a thunderstorm at all, and couldn t help complaining in his heart This weather forecast It s too unreliable Seeing that it doesn t make much sense to continue to stay here.
But
Xiao Peng and other police officers also understood that they came to Wuling Mountain not to travel, but to perform tasks.From this point of view, the target of the other party is me.
He is still full of confidence in himself It s time Lin Beichen stopped hesitating and stood up suddenly.Thunder and lightning flashed in the sky. Amidst the alternation of light and dark, a slender figure stood downstairs, letting the heavy rain wash away Then why isn t it Zheng Xia pinched Lin Xiangdong s arm hard and complained angrily Isn t that what our son is wearing today It must be that Chenchen didn t do well in the exam today and was hit hard.
The tense atmosphere before was completely gone, but there was more of a joke.Therefore, if you want to wipe out this overseas organization, you definitely cannot blow it up directly.
At this point, he paused for a moment, and then continued Putting aside this point, if we leave immediately to go down the mountain now, what if Lin Beichen is afraid that after we leave He was too scared to stay on the top of the mountain, and then he went down the mountain He was mixed in the crowd, who could find him So, we are here to guard him, maybe he will go down the mountain to meet us if he is afraid of death.
there was a faint figure standing looking out the window.Just right. It was in the center of the small area where the abnormality had just been detected.
This isn t the end of it. Do you want to bring other students with you Just look at the current online public opinion.Since the world may exist Chaos, then Exploring the Potency and Effects of CBD Gummies 3000 mg
everyone should be the same.
The mood is instantly lifted This moment. Everything he saw before his eyes shattered like a bubble phantom, everything around him returned to reality, and he was still among the rows of bookshelves.Sister, what you said is wrong. Lin Qian waved her hand and said seriously Your son can become the top scorer in the college entrance examination and get full marks in all subjects.
When Lin Beichen chose a seat, he specifically chose a seat by the window.For a time, he was full of confidence in the anti tracking techniques he had learned.
he felt the same way, wasn t he just so self doubting Li Kaiming
He was silent again. I do not know what to say. A long time passed. Li Kaiming managed to regain his composure and asked again Who is he Lin Beichen.Then
In reality, my body is no longer electrified Lin Beichen Withdrawing Best CBD Gummies Sour: Benefits, Reviews, and Guide to Choosing
from the visualization, his thoughts returned to reality.
Not only was there no fear or panic in my heart, but it was full of joy and relief.For a while, many students looked up with confused expressions.
At this time, a confused voice sounded What s wrong with you It was another security guard.And if we go up at this time, regardless of whether we can catch him, we will not escape death.
The dark valley is dappled with light and shadow, and is surrounded by dangers.She stood under the barrier, her white hair flying in the wind, a smile on her lips, and cold eyes.
The ship had docked. Jiang Yuebai packed up his belongings, put on the fire dragon scale armor on the shark wait robe, white clothes and red armor, with his white hair tied up high, and rushed to the battlefield with a heroic appearance.Jiang Yuebai blinked, Is it boring It s very fulfilling.
Later, if you have the energy of chaos, you can practice the Chaos Nirvana Technique to strengthen the original cultivation.Spiritual tea Maybe try tea seedlings The refining of the golden elixir was a success today.
Brother Canglang will think it over carefully about my sister.The main reason is that the fire is white. After the little green swallows it, it will definitely turn white, which is more elegant than the big red.
She made a bad face along the way, as if everyone owed her.If the sacred tree summons you, it will send an envoy to guide you.
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little bit of Yunzhi s medicinal power.There is a golden light in it. There was also a small tree as tall as a person, growing alone on the edge.
It would be difficult to explore such a large area in thirty days, let alone three days, not to mention
Jiang Yuebai felt that her body was suppressed by a force, forcing her to walk along the tree trunk like a single plank bridge under her feet.Tianjiu Palace and Sanyuan Sect are not as strong as Feiyan Pavilion.
These five exercises are two of the upper level local products, one of the intermediate level local products, and two of the lower level local products.After a while, the three of them walked out of the gray fog, and a vast galaxy came into view.
In Liantai Cave, Bai Jiuyou is becoming more and more skilled in refining armor.Jiang Ziying has been fighting with the disciples of Tianjian Peak for many years and is very familiar with the sword cultivator s routines.
Later, it was annihilated here by the human race, and it formed This ancient Leize, the general shape of the entire Leize on the map is similar to the outline of Kui Niu.Xie Jingshan
So you should keep the good things in your heart and don t make yourself unhappy.
The male cultivator looked at it and said in surprise, Are you Jiang Yuebai That Jiang Yuebai from Tianyan Sect Jiang Yuebai was as calm as ever, as he was Best CBD Gummies Sale Near Me - Top Brands, Reviews, and Guides
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She never noticed that after the Ice Beetle King entered the small world, he flew into the darkness with the Ice Soul Pearl in his arms and landed on a brand new lotus.Also, you My father arranged for those people around Jingshan to be withdrawn for me.
This cannot be changed by you alone. I came all the way from the east and met dragons from different groups.closed his eyes and took a breath and said, Everything is ready, send a signal to the Lord.
You will definitely follow the path of the Patriarch in the future, so you don t need to spend too much time on Formation Dao.The civet cat in his hand struggled excitedly, its emerald like eyes were covered with a layer of water vapor, and it kept meowing.
You are not practicing well every day, and you are talking over and over again.Twenty eight years old, not far from the age of thirty.
Lu Nanzhi slashed through the icy waves with one sword, advancing layer by layer to cover the entire passage, approaching the bone faced man from the front.boom The thunder and lightning spear hit the green wind shield, causing fire and silver flowers.
If he can t build it, I ll just let him think of a way.I just thought that nothing would happen to Jiang Yuebai.
The marks on his body looked like the Gui Mine in Lei Ze.The Five Ghost Sutra can be used Greater effect, capable of dealing with most situations without using your cards.
There is no blame or concern, just a master and a disciple teaching swords every day.Destroying demons is equal to destroying people. She single handedly turned the tide and sent tens of thousands of people from the Monster Protector Clan back to the Western Demon Realm.
Huan Yu was startled, and then suddenly realized I m just wondering how they could be one step ahead of us, in front of us They should have followed Lu Ziji s footsteps, and they were able to pass through the third place of Chiyan Pavilion so quickly.Seeing this scene, the ancestor of Xielu was extremely shocked These traces of the fighting have remained for thousands of years, and the cold power can still be felt.
The mountain protecting formation left behind by Feng Potian in the past was enough to withstand a fight in the God Transformation stage However, the spiritual stones that need to be consumed start at one million But at this time, Feng Yao couldn t care anymore In The ACV Gummies that Stole the Spotlight on Shark Tank: A Comprehensive Review of Bioscience Maximum
an instant, as Feng Yao and several Cangshan Sect Yuan Ying stage elders took action one after another, the spirit stones poured into the array like a waterfall A vast white light shield surrounded Luofeng City.
Colorful birds are circling like phoenixes, and wild boars as high as three stories high are running rampant
However, what makes Lu Yu particularly eye catching is that the weather here is gloomy.He took a step forward and slashed out with a sword In an instant, everything lost its color, leaving only black and white The sword light was like a Comprehensive Plus CBD Oil Reviews: A Detailed Analysis of Benefits, Safety, and Effectiveness (puGBM)
silent stream of water, crossing the Thunder Cloud Sword Prison and slashing towards Elder Kang Sheng, Elder Lu and others Elder Kang Sheng, Elder Lu and others wanted to resist, but they couldn t move Even if I want to open my mouth to beg for mercy, I can t Only those eyes were left filled with endless fear and despair When the sword light whizzes past In an instant, Elder Lu of the Tianwai Sect, Elder Kangsheng of the Fenglei Sect, and Master Zhihai of the Wuwei Temple, these three immortal cultivators at the Nascent Soul Stage, aged hundreds of years in an instant, their hair turned gray instantly, and their teeth fell out.
Instead, he sneered and said, Another one is here to die In an instant, he brandished his bone sword and charged forward At this moment, among the eight major cultivating immortal sects, eight Yuan Ying stage giants have been seriously injured, and five Yuan Ying stage giants have died The remaining Nascent Soul stage giants were also more or less injured Although the meritorious golden body on Lu Ziji s body did not break the defense, the Are Olly Sleep Gummies Addictive: A Comprehensive Analysis (SLwXY)
golden light also dimmed, and the aura was more than a little weakened.
Here, for the ancient demons with strong physical bodies, they were like a fish in water, but the strong human race found it difficult to display their strength Just like everyone was fighting in Xuanhuang Valley before, if it were placed outside the misty forest, I m afraid it would be shattered thousands of miles away But in Blue Vibe CBD Gummies Comprehensive Review
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Thinking of this, many people had the idea of retreating or escaping, and said, This foggy forest is very disadvantageous for us humans.
However, there are mirage beads on Lu Yu s body, and even the Mahayana Supreme Master cannot see through them if he is not careful, let alone these middle and low level disciples.In the misty forest. The ancient trees are towering into the sky, and the surroundings are always shrouded in white mist This kind of white mist has the meaning of confusion and disturbs the consciousness.
Unless Lu Xianzun comes
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to think about it. Soon, the disciples of Wuhua Sect left for more than ten miles, and the light disappeared.and just punched out in the air at will Boom The vigorous spiritual power gathered and turned into a purple gold fist shadow, piercing the void and bombarding the Best Probiotics for Men: Top 5 Probiotic Supplements To Boost Your Gut Health
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The entire land within the Aoki World Pearl was destroyed and turned into pure power of the small world, but a treasure like the Aoki World Pearl was still intact In the chaos, Zhao Xuan looked over with bright eyes Is Lu Ziji dead However, at this sight, Zhao Xuan s face suddenly turned livid, and his eyes were full of shock and disbelief.
As expected, these people were restrained and killed by the stone statue of Lord Liu Yan When the ban on the stone statue of the God of Glazed Flame Cool Down and Slim Down: Harnessing the Benefits of Iced Green Tea for Weight Loss
broke out, there were heavy casualties on the seventh floor of the Scarlet Flame Pavilion.And the anger in Lu Yu s eyes became real You are seeking death Boom boom In an instant, Lu Yu flicked his fingers, and two Nirvana Fire Lotuses shot out from his fingers, instantly sweeping into sky burning fire and bombarding the Changbai Mountain Snake Dragon Ancestor and the Immortal Gu God Bu
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an overwhelmed wail.
At the moment of movement, even Lu Yu frowned slightly.Lu Ziji s death is really normal However, Gou Rui became angry and shouted coldly Impossible I don t believe that Lu Ziji will fall.
We must kill the demon and defend the right path Lu Ziji successively killed so many talented disciples of their seven major cultivating sects.The slap, as crystal clear as jade and like mutton fat, struck towards Hong Meng Seeing this scene, Hong Meng s eyes filled with contempt and sneer.
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an ominous sign, but they could not calculate the secret.
Lu Yu frowned slightly, planning to visit Luoyue Palace as soon as possible after recovering his cultivation to see how Bai Xixi was doing.He held a sword and squinted slightly. His figure was empty and illusory, as if he was not in this world The other strong men looked at the swordsman in white with great fear, but they did not dare to move And near this white clothed swordsman, there are several corpses.
Then he pointed at the center of Yan Xunnan s eyebrows In an instant, Yan Xunnan felt that the majestic sea like spiritual power in his body was directly blocked, and his delicate body softened and fell into Lu Yu s arms.What sneaky tricks did you use to attack Zhou Tianchou secretly and capture him when he was unprepared Such a method is too unbearable We should let Zhou Tianchou go and fight again However, when Ling Ling After Fairy Yan finished speaking, Princess Lu Xiao suddenly sneered Fairy Ling Yan, you are very good at telling lies It was obviously Zhou Tianchou who struck first, but you actually said that he was attacked by a sneak attack Could it be that you and Zhou Tianchou were having an affair After hearing this, Ling Yan The fairy glanced at Feng Xin, who had an angry look on her face, and immediately glared at Princess Lu Bristol Palin's Weight Journey: A Personal Story Of Resilience
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However, Fairy Ling Yan hadn t finished her words yet.
Wrinkled, he also looked at Lu Yu nervously. She has always been in poor health and gets sick from time to time.go out Even some memories have been erased Then, Feng Zhang looked at Yunyun with a kind expression, and after asking for some information, he immediately said Yunyun, I will take you to Cangshan Sect, Sivan CBD Sleep Gummies - Best Full Spectrum CBD for Sleep and Anxiety Relief
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Yunyun was happy but also a little confused. Brother Lu Yu just now was sweating profusely and looked like he was sick.
Many people in the Western Wilderness Kingdom were not convinced How could a mere golden elixir level casual cultivator be worthy of their little princess He Yan er But now, after seeing Lu Ziji s amazing strength, everyone is convinced Fellow Daoist Lu Ziji, I am afraid that his current strength is even stronger Maximizing Relief with Max Strength CBD Gummies: A Comprehensive Guide
than that of our king He Zhenlong, the king of the Xihuang Kingdom, was also amazed by all this He also fought against Shen Binghong, no matter the outcome, he was even slightly at a disadvantage But now, Lu Ziji can actually kill Shen Binghong.
Some were in groups, chatting and flattering. But there are also some unruly sons and daughters of heaven who dislike each other, quarrel, and even fight.It s just that Du Huarong was caught off guard by the high grade spiritual weapon Qingfeng Sword and lost the opportunity.
They were probably the blood of a powerful person in the realm of refining the void and combining the Tao with great power What surprised Lu Yu was that this broken sword actually had the level of a top grade holy weapon, but it was damaged in the eyes, its spirituality had been wiped out, the spirit of the weapon was extinguished, and its power was greatly reduced However, just by relying on this broken sword, it is also a priceless treasure, no less than tens of millions of spiritual stones Is this the broken sword left by Feng Potian Lu Yu felt the sword intention of the Heavenly Sword on the broken sword and immediately asked.
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.