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 actual puede ayudar a desarrollar y sostener modelos de negocios nuevos y se ha vuelto cada vez más sofisticada. La puerta se abre y es el momento de ingresar.
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.
Erich Wetzel, líder de la Amti, participó en el 9° Foro Nacional IMEF de Infraestructura, en el que se ventilaron acciones clave encaminadas a ofrecer respuestas a los retos de la demanda de servicios de punta.
Layers of thick fog stabbed straight at Meng Jingzhe.Except for Asuro, who is still in retreat, almost all Chaofan who are qualified to participate in the battle have come.
About a quarter of an hour later, the monster was hit by Meng Jingzhe, and a hole was drawn on its body.And Zhenmoyuan was originally the place to suppress the devilish energy, so it was definitely not a good thing for such devilish energy to be exposed.
There is nothing ahead, do you want to keep going the voice asked.As a result, those eyes that were not mixed with emotions burst into golden light.
After a pause, he smiled Panshan County has a small population, and building this temple will consume a lot of manpower and material resources.The voice said.Meng Jingzhe still turned a deaf ear to it, but was struggling to support it.
Wait until the Buddha completely replaces the way of heaven , becoming the will of the Kyushu world and gaining greater authority, He will be able to give the monks of the Buddhist system eternal life.It s been several years, and I m willing to make any sacrifices.
In the long river of time they have experienced, they have never seen such a terrible catastrophe.If you choose a sword, can you still leave Meng Jingzhe asked.
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You can leave the topics you want to see here.I will choose some with the highest like rate, and then put them on the official account for everyone to vote.The fewer family members there are, the weaker the family is.
She didn t call herself Zhen, but me.It seemed a lot easier all of a sudden.He even remembered clearly the page of cultivation law that he read before entering the jade pendant.
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This is a dead number and there will be no big change.This was confirmed by Zhang Dewen s emotional performance yesterday.
If his words are not clearly wrong and endanger the patient s health, he will basically not refuse.Li Qin moved out a bench, a small table, drinks, snacks, and two playing cards, and then the women started playing happily.
Du s understanding of these diseases, so that we can gain insights.We have also visited that woman. She is a bartender in a nightclub.
And the most important thing is, I I m not related to you Captain Zhang, so it s not good for me to come directly to your home for treatment.But now he is placed in the Department of Gynecology and Medicine, which has nothing to do with the Department of Traditional Chinese Medicine.
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And once the temperature High, those liquids will go bad.Moreover, Du Jun s family may not be able to trust him and be willing to treat him with half fairy children around.
After rubbing it three or four times, put four fingers together and scrape all the way down the back of the ear to the protrusion of the back of the neck.Yes, she was still notified of death by the hospital in the capital, but as a result, she was brought back by me Lu Zhongjiang looked at Du Heng who was chattering away.
Later, the doctor couldn t do anything, and said that I If my wife is delusional, let s go to a mental hospital.Lu Zhongjiang, who was lying on the hospital bed, also smiled and said, Apologise Why should I apologize to you Because you looked down on me before, but you didn t believe that I could cure you.
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He immediately ran to Zhang Xi s side. At this time, Zhang Xi kept feeling nauseous and vomiting.Wu Buwei was really angry at Du Heng in the afternoon.
Her surname was Huo. She was a young and beautiful 1iesm23 Finding Relief From Hemorrhoid Pain With Cbd Gummies For Hemorrhoids Uf34 female teacher.He was lucky that he didn t die on the spot. Hit by a beam Du Fei s father was a little surprised, but he knew very well what a beam was.
In the past, old houses all had large beams, and the large beams were all made of long and thick wood.
It s good to be together. You are a good young man, and my sister is also a good girl.The current situation is very difficult for Du Heng.
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Long Yinjian ate Meng Jingzhe s valuables, and was prepared to be scolded, but Meng Jingzhe didn t The slightest bit of blame immediately let her breathe a sigh of relief.Unexpectedly, Chu Caiwei managed Si Tianjian very well.
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They didn t see Axi say a word, so they seemed to remember Axi s existence.Meng Jingzhe heard the words Give birth to consciousness , and he knew why he hadn t seen such a tree before.
It s hard to say that they don t have extra luck in their hands.Is the uncle sure that the tracing disk is still good Meng Jingzhe feels that the situation in this mountain is a bit like a magnetic field disorder.
Members of the royal party and the Wei party could not understand the operation of the two leaders, and shook their Experience The Bliss Of Dc8p9wpg Health With Dr Oz Cbd Gummy A Comprehensive Review Of The Top Rated Cbd Gum Me81 heads and sighed.What choice will Da Feng, who has nowhere to go, make when facing the witch god Gu God didn t continue talking, and his wise and clear eyes flashed with jokes You have been fooled, I just play with you for a while, waiting for the time to be punished.
Yin Yang Pearl.Repeatedly asking about the Yin Yang Pearl, he hit harder and harder, and Meng Jingzhe was in so much pain that he couldn t help crying out.Scatter.Meng Jingzhe ordered lightly, and all these consciousnesses were stripped away immediately.
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What I hate is , he pestered me in every possible way, relying on himself as a half step martial god to do things to me.Although there are many supernatural beings among the descendants of gods and demons, they are meaningless to the Gu gods.
According to rumors in the court, the faction of Yunlu Academy represented by Zhao Shou was specially supported by the Empress to check and balance the Royal Party and the Wei Party.During this journey, Meng Jingzhe has been studying the tracing disk Greenfarm 1mmps Cbd Gummies Y3eq over and over again.
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I have to find a way to come to the world and arrange it myself, but how does the way of heaven come to the world Rules are everywhere, but they don t exist.Why Luan Yu asked blankly.After finally The Benefits And Effects Of Cbd Gummy Bears 1000mg D3nwlb Uk A Comprehensive Guide Poaan 3rbq breaking free from the seal, instead of going north to plunder luck, go to sea instead Chunyan pondered and said There is nothing more important than plundering luck right now.
This matter is absolutely impossible.The Divine Lord is the supreme being of my God Race.After Meng Jingzhe finished speaking, seeing the other party chasing her away, she didn t notice anything wrong, so she turned around and left.
The voice echoed over and over again in the mountains and forests until the distortion dissipated.
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.