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.
¿Buscas llevar tu empresa a los niveles de eficiencia y productividad que necesita para seguir desarrollándose? En ese caso, la nube puede ser tu mejor aliado.
El acompañamiento es crucial para un mejor funcionamiento de un sistema administrativo, pero por lo regular la consultoría es poco valorada, ya que se piensa que es innecesaria o cara.
10 estudiantes mexicanos viajarán a China para vivir dos semanas de una experiencia cultural y formativa en el campo de las TIC. Seeds for the Future de Huawei los apoya.
Pocas tecnologías crecieron tan rápidamente como la computación en la nube y las coubicaciones —tanto dentro del mercado de los centros de datos como para la sociedad en general—.
It was Qingyang who rescued Yu Mengmiao in the first place, and he was the one who led Yu Mengmiao on the path of cultivating immortality.The original color can hardly be seen Performance Cbd Gummies 00995 clearly. The whole person looks better than a beggar in the secular world.
Elder Wusi did not lie to himself. This pill recipe not only recorded the materials, dosage, refining steps and techniques of the Foundation Establishment Pill, Best Cbd Gummies For Tinnitus Relief Benefits 4918 Side Effects And Reviews but also densely marked each item.then you can only be beaten passively, and if you are a little negligent, you will be devoured by the rats.
Although every time Qingyang broke through the bottleneck before, he felt some pain, but it was completely different from this time.The halberd circled in the air, and then carried it with her.
The price paid by the Tao family was huge, but in any case, this was a good thing for people like Qingyang who helped.With the status of the Qin family and the Kou family, if they send out invitations, they must only send one, and it is sent to important members of the family.
Is there any special method Lu Dingshan shook his head and said, That s all we ve heard.They left. Then Master Kang took everyone out of the reception hall and took them to the accommodation that had been prepared.
She didn t need to worry about anything, and she didn t encounter any setbacks.Many immortal sects had arrived earlier than Qingfeng Palace, and the earliest ones had already stayed here for five or six days.
Lu Feng is a disciple of the Demon Suppressing Palace and came earlier than the Qingfeng Palace.Moreover, this time to break through the foundation building, it needs to compress a large amount of true energy and condense it into true essence, which is very difficult.
Qingyang was also unsure for a moment, and could only say, The matter has come to this, and we can only take one step at a time.What he meant when he asked Bio Heal 18 Cbd Gummies For Diabetes Benefits Usage And Expert Insights before was that he wanted the other party to tell the price.
He casually said hello to Qingyang and then Dejected, he said goodbye and left.How can Elder Wusi not be jealous But that s all they said, they just had a few words, and there wouldn t be any disputes over this trivial matter.
Qingyang hurriedly said modestly Senior brother, I m Cbd Gummies For Ed Do They 7405 Really Work A Comprehensive Guide To Natural Relief Afrfn very grateful, but the cultivation level of the pills will be hard to say after the foundation is established.Seeing that the time lasted longer and longer, his energy and spiritual energy were seriously consumed.
If everyone was fighting together, Discover The Best Cbd Bloom Gummies 85 For Pain Relief And Wellness his contribution would definitely be smaller than others.Who on the Nine Provinces Continent has this ability What big thing do they want to do It s not easy to do these things under the noses of our seven immortal sects.
This is of course more risky, but in order to get this guy s rare treasure, what s the point of taking a little risk The two brothers have been out in the ocean for so many years, how could they not take risks any day How incredible would a treasure that could allow a Qi Refining monk to become a Foundation building monk in just twenty years, cultivate a large group of high level spiritual insects, 75402 Discover The Power Of Cbdfx Wellness Mushroom Gummies and even allow third level monsters to advance to Understanding The Benefits And Risks Of Joint Plus Cbd Gummies For Pain 272 Relief the fourth level Soul Seducer Sang Fan s qualifications are relatively average.
Although it takes a lot of effort, it also proves that this place is indeed a vein of spiritual stone.The people in the main hall seem to Melania Trump 2544 Cbd Gummies The Ultimate Solution For A Stress know that there are many people outside listening, and the sound is deliberately amplified.
The previous group of Mountain Shocking Rats were frightened by him, and they would never dare to come back unless they were confident enough.casually took out the previous post and threw it on the table.
The junior brother Zuo he was talking about was the disciple from the inner courtyard on the seventh level of Qi Refining who died.Then everyone stood up, and first cleaned up the body of a Dingzhu next to it.
This shop is located inside Qingfeng Palace. Who dares to rob the store after eating it Moreover, there are special restrictions on the outside of each spiritual weapon.There were also some who went out to do errands but did not return, or simply stopped coming when they reached the Natures Boost Cbd 03 Gummies A Comprehensive Review Of Their Benefits And Effectiveness critical moment of breakthrough, but the number was not very large.
Seeing that Chen Biwang killed a quarter of the blood bats who had not yet entered the level The Benefits And Effectiveness Of 835 Doozies Cbd Gummies For Relaxation And Pain Relief Xazss with just one talisman, and injured countless others, Lu Feng beside him couldn t help but admired, The best metal talisman, the Rainstorm Pear Blossom Needle, a single talisman.The wild spirit fruit trees planted in the Drunken Immortal Gourd are much better.
However, they did not expect that the colorful spider had already lurked on Fei Yusheng s body, and found an opportunity to launch a sneak attack on Master Qiyun.
Trial space What rewards can I get Li Yuanba s eyes lit up and he asked curiously.They all know how powerful Li Yuanba s mid term golden corpse is.
However, this crowding did not last long. In just half a day, the reinforcing monks entered the Hell Cave.Once one of the camp s defense lines is breached, the other camp s defense lines need to share the broken defense line.
A sheet of flying sand appeared on the battlefield, Melatonin Gummies And Diabetes A Comprehensive Guide Yjgtk 1817 covering an area with a radius of one kilometer centered on Li Yuanba.Something must have happened. Shizhen is back The cave opened, and a weak voice came from inside.
He looked at Jian Lao with concern, and at the same time contacted IBMz15 to record everything that happened.Because the sword cultivators in Sword Intent Chongxiao Pavilion did not encounter much danger, Wu Qi did not Pure Vera 243 Cbd Gummies The Purity And Potency Debate consider withdrawing.
Senior monk Liu Ziyun shook Harmony Park Cbd Gummies Unlocking A Symphony Of Relaxation And 4513 Wellness his head helplessly and was about to go out to discuss with Li Shiming to see if Li Shiming could be allowed to come over later.This is also a way of fighting that he thought of to minimize the exposure of the secrets of Wanjianfeng.
He had heard many rumors about Li Shiming before. Later, Li Shiming completely disappeared from the world of immortality.His status in the Baidi Sect is not low. Li Yuanba s spiritual consciousness entered the soul crystal ring.
As his mind moved slightly, the five Nascent Souls converged toward the middle.Looking at the one hundred and fifty brains Discover 4512 The Benefits Of Apetropics Cbd Gummies For Optimal Health And Well Li Shiming invested, plus the assistance of IBMz15, it can be said that the comprehension he gained in these few months is equivalent to that of other swords.
Each trial sword light is blocked by three energy based flying swords, and the three energy based flying swords respond to the enemy in a three talent formation.Looking at the time from Li Shiming s promotion to the Nascent Soul stage to the peak of the early Yuanying stage, and then thinking about his own cultivation time, Kang Yuan has the Quanta Cbd Reviews 92 A Comprehensive Analysis Of Cbd Products Pjrjj guts to live as long as a dog.
Li Yuanba s enthusiasm has dropped a lot, but the combat mission still needs to be done.But Li Yuanba s request was to bring the Great Master Hongfa into the Sword Intent Chongxiao Pavilion based on this rule.
In the outside world, the domineering behavior of Lei Xiu of Yuqing Sect was increasingly revealed.At this time, they had no time to take care of their own monks.
In the current state of the great monk of the Baidi Sect, there is no need for a second sword.He was surprised to find that although the radiation here was strong, the surface of Wanjianfeng seemed to have some kind of protection and was not affected by the radiation
At least at this stage, Wan Jianfeng is still not affected by radiation.
All five Nascent Souls returned to their physical bodies.Li Yuanba switched back to the human state, and he did not kill the Qi Refining monk.
Li Yuanba s eyes flashed with light. He mobilized a lot of energy and waved his hand towards Wan Jianfeng.He even felt that the spiritual shield maintained outside his body had a slight impact on his five element attributes.
The loss of a powerful monk meant a significant loss in the Baidi Sect s strength.At first, the Baidi Sect had suspected that Li Yuanba was connected with the great monk Luo Pei, but now this suspicion has been aggravated.
If you want to refine a spirit treasure, you generally need to be in the Mahayana stage When Jian Lao said this, he glanced at Li Yuanba.There Pure Canna Cbd Gummies Reviews How Americans Overcame 7066 Weight Loss Challenges are quite a few criminal monks here, nearly four hundred of them, all of whom are in the middle stage of Nascent Soul.
He just thought that what Li Shiming was refining was an ordinary golden corpse.If he consumes too much energy, it will affect the alchemy master s own cultivation.
The lightning struck the first rock layer of his earth armor.Otherwise, how could he and Li Shiming achieve the mid stage Nascent Soul cultivation level at the age of 100 If they had practiced hard and diligently, they might not even be able to become Nascent Soul 756 Activgenix Cbd Gummies Tampa Florida A Comprehensive Guide To Cbd Supplements monks now.
Her sword escape could be traced, so she was ambushed.Although the sword cultivator is strong, it is unrealistic to say that a middle stage Cbd High Dose Gummies Benefits Dosage 30 And Reviews Nascent Soul sword cultivator can fight against a large sect.
But after seeing the fighting style of the great monks of Zhongzhou Trading Company, they Shark Tank Cbd Gummies For Sleep A Comprehensive 209 Review no longer had any thoughts of emotion.The combination of the Hidden Phoenix Jade Talisman and the Color Changing Cloak made it extremely difficult for him to detect the existence of the Nascent Soul cultivator even if he encountered him at close range.
Dongfang Wanqing was probably distracted by whether Gui Wujiu could go out on time.Linghu Qubing felt relieved. This time it was expected.
Going beyond this is actually extremely difficult and extremely valuable.Bai Lianheng looked hesitant, waved his hand and said That s not appropriate.
Therefore, after going back and forth, the battle situation actually showed that Hami Mountain was losing ground.At the same time, Wen Jinyuan also looked serious. The next moment, the two of them were already running backwards out of the Jiuzhuan California Cbd Gummies Benefits Laws And 032 Reviews Lingguang Palace before the main entrance, the head of Nangong, Liang Zhenjun, and Ning Zhenjun also arrived one after another, with extremely serious faces The five people all had clear senses, and there seemed to be an inexplicable force heading straight for the Yue Heng Sect s mountain gate however, the Yue Heng Sect s mountain gate formation, which was more than capable of resisting the Hundred Ten Realm, did not react at all.
Fei Nan raised the corner of his mouth slightly, with a touch of ridicule emerging, and said softly Noisy.As long as we have one more Tianyuan realm, the balance will be broken immediately like two ends of the scale.
In fact, there is a dangerous barrier hidden in it.I don t know what kind of material they are, no less 66 Cbd Gummies For Diabetic A Game than the most exquisite Qiluo clothes in the land of prosperity of humanity.
Used in conjunction with the martial arts secret treasure, it is enough to ensure that Gui Gui can walk for ten years without leaving a trace.They have a clear conscience. If they lose in the end, it will not be at their hands, but at the hands of the players themselves.
The New Way is Huang Baili s line, which has always been the mainstream.It is almost a testimony and symbol of one s own Taoism.
This is also a benefit for you if the previous generation of Yin Yang Dao Masters ascended and left, the successors have not yet reached the Tao realm.Mood to help him. There was even one person who later became an old acquaintance by fate, and Gui Wujiu even vaguely guessed his origin.
This was the reason. For Red Elephant, daily economic affairs should not exceed two hours.In fact, his desire to seek Taoism is no less than Huang Baili s.
Chenyang Sword Mountain. Pu Fangyu stood in front of the mountain gate, his expression extremely calm, and he ignored the sword seal flowing in his palm.From then on, he circled back and forth, collecting all the sixteen swords.
The seal power that was divided into two gave the two of them a realistic and concrete gift, which suddenly increased their combat power The mark between the Quanta Cbd Reviews 92 A Comprehensive Analysis Of Cbd Products Pjrjj eyebrows is the clear evidence.The face and even the voice of the person in front of him have quietly changed into a completely new form.
Of course, you can also understand that you have to re calculate once, which is the most confident.In fact, at this point, Jiang Minyi had already guessed something.
Li Qi escaped from the light and turned around to take a look.Just relying on this vague imagination, Jing Ke unexpectedly broke through and became Exploring The Benefits Of Blue Vibe Cbd Gummies Through Their 12 Official Website one of the famous people The next battle is like making ceramic utensils, starting from the rough shape of the embryonic mold, gradually carving it out and clearly presenting it.
Although it does not exceed the power limit of the fundamental magical power of Yin and Yang Dao, it still has many uses.But even if she pushed her magic power to the limit of the golden elixir, she found that her consciousness was still blocked by a faint layer of brilliance and could not penetrate.
The foundation of the battles of monks in the Fusion Realm lies here.Linghu Qubing slightly bent his two fingers and already held a formula.
Its flavor management has already reached its peak.Taoist Master Xiandao stretched out his left arm, and Taoist Master Yingyuan stretched out his right arm.
Those who obey will be rewarded. Those who disobey will be punished, and those who disobey will be killed.With the two as the center of the circle, three hundred feet away, a gray mask of light suddenly appeared, and then quickly converged.
In a daze, everyone immediately realized that Gui Shark 36735 Tank Bioheal Cbd Gummies Wujiu seemed to be in danger.It should be noted that monks in the Yangyuan realm have a layer of shining inch light on their bodies, which is no less powerful than armor and swords ordinary people with high combat power and flesh and blood Gnc 79 Sleep Gummies A Comprehensive Guide To Restful Sleep Fguqx wear heavy armor.
Master Li barely managed to avoid it by half a foot, but it was difficult to move.Two months ago, the Northern Moon appeared in Linghu Qubing s mind.
In this way, the growth trend of no blame will be far away from the theoretically perfect path.I think Huang Daoyou will have his own idea of how to deal with it.
Mo only Understanding Pure 46 Cbd Gummies Mg asked whether the method of Only My Mahayana Sutra concealed the method of devouring fellow practitioners and nourishing one s own body.Easier said than done. The Emperor is already at the pinnacle of the God Realm.
And what is hidden in it is only an object the size of a grain of dust and difficult to see with the naked eye.It was as if a short distance traveler was really showing off his skills, arousing the anti customer oriented charm to more than ten times the intensity.
After going round and round, I finally want to get a shortcut, or We need to rely on the Wan Fa Sect line newly established by Gui Tianzun nearly a hundred years later.
The matters in the Farming Institute are relatively trivial and waste too much time.However, he has not lived for many years, is old and frail, and relies on himself.
Even if there was danger, she could handle it by herself, so she said this.At that time, Qingyang only transplanted seven or eight spirit fruit trees, and the others were some miscellaneous fruit trees planted casually.
The scattered people are happy. Hearing Qingyang s congratulations, Qin Ruyan could hardly hide the joy on her face.Chen Biwang choked Kou Yuchang half to death with one sentence.
He could see the expressions of the guests at a glance and knew everyone s thoughts.However, judging from their sneaky appearance, they seemed to be harboring some conspiracy.
Perhaps it is also because Qingyang s spiritual insects are unique and can increase the production of the farming yard.If the three of them are lucky enough, maybe There will be survivors.
They are both disciples of the Seven Immortal Sects.Qingyang had not fully recovered from the fierce battle he had experienced before.
so Qingyang has no hope. Qingyang has seen all the high level monsters in Yinfeng Gorge.Junior Brother Niu also stepped forward and said, What do you three want to do It is true that your Yin Yang Sect is the number one immortal Finding Relief With Harmony 565 Leaf Cbd Gummies Contact Information And Benefits Ujpze sect, but our Yuling Sect is not afraid of you.
It will be more than half. An hour later, everyone s physical strength gradually recovered, and their energy was replenished to a certain extent.In this case, he would A lot less trouble. Fairy Duanqing also spoke, and others were not allowed to speak too harshly.
I am afraid that the pain when he took Kaimai Cv Sciences Cbd Oil 69 Amazon Buyers Guide Dan for the first time in Liangzhou can be compared with the pain.Qingming Sanren said, We don t have to worry about waste or not.
It is a low grade spiritual weapon like Liang Yudong s Butter Umbrella.With a bang, the butter umbrella was blown back, faster and farther than the last time.
At this time, other people also noticed the movement here.Chen Biwang also knew very well that if he was arbitrarily commenting on the female disciples of the Yin Yang Sect here, it Cbd Gummies For Calming Anxiety A Natural Solution For A Peaceful Mind 9918 would be fine if the people of the Yin Yang Sect did not hear it.
After the news was confirmed to be true, the inner court issued the task.But his ambition has also greatly increased, Finding The Best Cbd Gummies Sold 777 Near Me A Comprehensive Guide Lazur and his ranking will at least rise slightly in the future, so Qingfengdian and Elder Wusi cannot help but accept everyone s congratulations.
Seeing that he had rushed forward, but Qingyang didn t react at all, Tao Zhengzhi couldn t help but be overjoyed, and he waved his long knife and was about to slash at Qingyang.The white ball exploded and turned into smoke all over the sky.
Especially recently, when my father broke through to the Golden Core stage, the Qin family s status has greatly increased.As soon as the man finished speaking, the whole scene changed.
When Tian Shengcai entered the Qingfeng Hall, he was already at his extreme age, had average qualifications, and was not lucky enough.They have lived under the wings of the Immortal Sect for a long time and have never experienced anything like this.
Moreover, Mi Ling was not the kind of low level monk who was new to Qi refining, so she moved aside based on instinct.Qingyang glanced around, and was about to see if there was anyone he knew.
Wouldn t we risk death if we act separately This is certainly how it is understood under normal circumstances, but it is not actually the case.This will lead to death for oneself. As for whether this news is a trap, Qingyang thinks it is unlikely.
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.