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.
Descubre cómo transformar la cultura digital y lograr que las herramientas se conviertan en aliados estratégicos.
Digitalizar no es suficiente.
Muchas empresas invierten en tecnología de punta, pero la resistencia de los equipos sigue siendo el mayor obstáculo.
En la planificación de la cadena de suministro, la adopción tecnológica empieza con liderazgo, no con software.
La participación del ferrocarril en el transporte de carga en México ha crecido de manera continua y ha alcanzado niveles comparables con varios de los grandes sistemas ferroviarios del mundo.
Amazon, el gigante minorista líder a nivel mundial, está desafiando las convenciones en el ámbito de la automatización de almacenes. La compañía está trabajando en
El flujo de una sola pieza no es la meta en sí. La meta es un proceso que fluya de forma constante, sin sorpresas, con menos variación y más valor. Si lograr eso requiere lotes más pequeños, perfecto. Pero no se trata de copiar ilustraciones; se trata de entender el sistema.
The huge black unicorn looked like a peerless demon, looking down, it slapped Nangong Hao s purple unicorn into powder with one slap.Father, are you asking me to challenge a king s family alone The corners of Lin Xuan s mouth twitched.
At this moment, Young Master Thirteen was very nervous, and his eyes quickly swept over those people in front of him.What s so powerful Everyone s eyes widened in disbelief.
What a rich spiritual power. It s coming soon. The two felt the How Long Should It Take 0yp To Lose Pounds rich spiritual power coming from below, and also saw a spot of light not far below, which should be from the treasure in the cave shine.And the strong aroma before was emitted from this ancient tree.
Hahaha Cangyue Dojo, I m the closest to here On the other side, a burly middle aged man in a red robe traveled quickly.The surviving warriors around looked at the dragon shaped long sword with dumbfounded expressions.
It s a small skill, but you dare to embarrass yourself here.The next moment, the crowd in front dispersed, and three figures came quickly.
In this way, even if the other party goes out, they The Ultimate Guide To Maximizing Weight Loss With Metformin Expert 0kgbi Tips don t dare to make too much publicity, otherwise it would not be a joke to be besieged by the king of Tianwu Continent.For a while, the crowd was divided into two factions, fighting endlessly.
Then, he slashed out with a sword, and the terrifying sword energy was like a shocking rainbow, and he quickly slashed forward.In fact, speaking of it, all of them are under the influence of Tian Youque, otherwise they would Mitolyn 6fbtlpa29 Reviews Consumer Reports Critical Complaints Customer Reviews Reported not be able to find the core area so easily.
The entire void was pierced through, and the earth kept rolling like ocean waves.Yes, this strength is too terrifying, is he really just a seventh level venerable Forget it, the young master is too mysterious, we can t see it at all.
They were so excited that they thought that they would leave the God of War Palace forever in this life and never return.Don t worry, I know what to do. The elder of Shenniao Palace nodded heavily.
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This time, two huge tiger heads appeared on his fist, and the terrifying power flowed rapidly, and his whole body was filled with evil spirit, directly piercing through the void.
The old man Tianjian whispered this sentence, and instantly seemed to be hundreds of years old.In an instant, Li Mengbai was enveloped. In the sky, surrounded by 7 huge stars, The 91wzp Legacy Of The Original Shark Tank Keto Pills Where Are They Now the terrifying starlight turned the entire void into night.
This is a gorgeous dividing line shimmering, with a sharp taste.The next moment, it hit the golden fist. The two collided with an earth shattering sound.
And the nine purpose magic sword in his hand, it seems that it should be changed.But unexpectedly, Liu Mingyue was defeated, and Zheng Xiu became the saint of the Holy Land.
In front, Mr. Qian s eyes flickered as he swept across the booth.They knew that Tuoba Tianci was going to attack, although they were very dissatisfied with Tuoba Tianci s arrogance.
Without the Golden Lion King, no one will be able to resist Lin Xuan.I can t see it, Lin Xuan has any trump cards. Thinking of this, Jian Shisan s eyes were burning like a torch, and he stared straight ahead.
Feeling the sword intent on Tan Yifei s body at this moment, his expression was extremely dignified.One of them is the Chaos Clone. This chaotic avatar is extremely frightening Netizens please remind Please pay attention to rest your eyes when reading for a long time.
Those with strong defenses are fine, and those with weak defenses may not even know how they died.It was crystal clear, as if transparent, and contained terrible toxins on it.
Furthermore, with such an opportunity, Liuli Palace can also communicate and cooperate with other big forces around it.Although he had expected it long ago, when he was convinced of the news, he still couldn t calm down.
If this is the case, the three of us cannot fight alone.But if he can become a powerful person, then everything will be different.
This combat power is not weaker than Da Neng at all.Therefore, although they knew that the dark canyon was very dangerous, there was nothing they could do.
n Netizens please remind Please pay attention to rest your eyes when reading for a long time.It doesn t matter what the demon king is, I have enough people with me.
Metals can be used to refine treasures, and those elixirs can be used to refine alchemy.After all, they were in the ground level, but they had seen each other s methods.
In the rear, Gu Feng gritted his teeth, no, he was discovered.Who is back. Is it Qier An old voice came from inside the hall, intermittent, extremely excited, and might die Glp Probiotic For Weight 92h7s2s9a Loss Can Gut Bacteria Boost Results at any time, Lin Xuan frowned even more after hearing this, his breath was too weak, Xuan Hai even said, father, It s that Lin Xuan, he s back, what, Lin Xuan You are Lin Xuan The guards around were also roaring crazily.
Lin Xuan sneered, holding the Sky Swallowing Jar, and walked forward again.Between the sky and the earth, the blue light condensed into a big palm, rushing over, enveloping Lin Xuan in an instant.
In the end, they didn t find each other. It makes them look ugly, is it possible that the other party has already left the underworld Everyone s heart is heavy.This young man used thunder to subvert this area in a short period of time, thousands Via E0gyeh Keto Bhb Gummies A Comprehensive Review or even tens of thousands of people.
Boss, you are my big brothers for the rest of my life, Nalanliang exclaimed, and the rest of them cried with excitement, I will follow them all my life.The people from the Dragon Clan also took out an ancient mirror, which was hidden in the sleeve robe, to investigate.
Lin Xuan sneered, how could it be so simple, do you think I m so easy to bully You first hope for grace, and then you are indebted to justice.The Lord of the Great Wilderness snorted coldly, if you want to know, go and see for yourself.
When this sword technique came out, it was really shattering.Lin Xuan also shook his head, this girl is really crazy enough.
boom Lin Xuan made a palm seal and made a fearless lion seal.This is the supreme existence left by the Heavenly Court.
In whose hands is the Heaven s Punishment Sword Why do you want to do something to the people of the Asura clan The power of the Heavenly Punishment Sword disappeared, and the Shura clan was dying.This person doesn t know. However, they did come to Lingyu to find a way to detoxify the Dragon Prince.
Although you can t see the god crystal now, it is because the god crystal has exhausted its energy in the endless years.The voice was full of murderous intent and majesty, and everyone trembled when they heard it.
Among them, he earned more than 140 catties of spar for nothing, which is not a small sum, enough for him to practice for a period of time, but Old Monster Dugu doesn t know.Hong Lin Xuan was the first to strike. He held a fist in his hand, and he punched out, like a pitch black black dragon, rushing forward quickly.
Sure enough, after Duan Qingqing, other strong geniuses made another move.Then you, where is he The eldest prince stared at Lin Xuan with lightning like eyes.
This is a gorgeous dividing line sp Not only did Lin Xuan fight here, but in other places, the strongmen between Exploring The Best Keto Z4tuvx78 Gummies Top Picks And User Experiences different princes also broke out when they met.It seems. For the sake of the eldest prince, the empress really took great pains to find the Zhan clan who had lived in seclusion for thousands of years.
This is not only the territory of Yaochi, but Lin Xuan is also in it.However, if you want to make a move, come on, without the threat of the black crocodile, the third prince and the others became insane again.
Look, blood, blood is coming out The next moment, all the warriors around looked forward.No matter who comes, I will take it. Lin Xuan patted His shoulder This is also my rent.
Lin Xuan s eyes were solemn, and his body was full of murderous intent.It had to go through countless battles and step on the heads and corpses of countless geniuses before it could reach the top.
This should be En Nutrisystem Nutrisystem Promo Code U1s9cw Cvs the Beidou Ruins. Lin Xuan looked down, and on the other side, Duan Qingqing and Liu Fei also had twinkling eyes.Seeing the permission of the saint, the young man immediately became overjoyed.
There was a violent collision sound, and there was a thunderous sound in the sky.Because Lin Xuan s attack is too strong, it will threaten the life of the third prince at any time.
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.