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.
El presidente de la Comisión de Educación, Gordon Brown, y Shakira Mebarak, miembro de la Comisión, hicieron un llamado urgente a los líderes mundiales para que incluyan a la educación en la agenda de la cumbre de este año.
La donación de Bayer fue el primer cargamento recibido en almacenamiento seguro en la Ciudad de México donado por Kuehne + Nagel International, que servirá como centro principal de logística para Direct Relief México.
Como parte del programa E-Fan X, Airbus, Rolls-Royce y Siemens contribuirán cada uno con su amplia experiencia y sus conocimientos en su respectivo ámbito de competencia.
La adopción estratégica de la inteligencia artificial en la fabricación puede ofrecer eficiencias significativas. Desde mejorar la seguridad hasta optimizar las cadenas de suministro, la IA está transformando la forma en que las empresas abordan los desafíos laborales y planifican su futuro. Los líderes de la industria deben estar preparados para abrazar esta revolución tecnológica y capitalizar las oportunidades que la IA presenta.
Yu Shiwu smiled and said nothing, pretending not to hear the sarcasm behind the Elite Keto Gummies Reviews- Super Health ACV Green Leafz CBD Gummies Price [1kl7g6msk]
other party s words. Chen Ping an looked at Ma Yanshan, Ma Kuxuan chose to keep you alone from this den of grievances, and there is a reason.She spoke the first sentence. The words were actually Mountain Master, will I be responsible for searching for traces of that monster beast Jiang Shangzhen was stunned.
The last hidden official of the Sword Qi Great Wall Kelly Clarkson Keto Gummies –⚠️UPDATED 2023⚠️- Weight Loss ACV Keto Gummies Review – Legit Reviews [5cw94pyh5]
was at the bottom. At that time, the list did not give Chen Pingan s name, but only introduced the realm cultivation of the young Yin Guan, a Nascent Soul realm sword cultivator, and a mountain top realm martial artist.Because whether it was a wild female cultivator or a Taoist priest with the title of Ren Gongzi , his words to her were all too sincere, as sincere as if she were one of his own.
The drinker in Tsing Yi turned a deaf ear and stretched out his fingers to gently turn the white bowl.Although Chen Pingan felt regretful, he had no choice but to change his Kelly Clarkson Reveals She Used Weight-Loss Shots [da8qctg3n]
request and said, Senior, please come down the mountain.
Outside the main hall door, Huang Lie took two food boxes. Gu Can smiled and thanked them. The old man said that they didn t need to worry about the Trufit Keto Gummies Reviews (Scam or Legit) – Is It Worth Your Money? [9829083o5]
food boxes left here.However, we do not rule out the possibility that Tong Wenchang suffered a big setback. Chang Fenghan and Lujiaoshan did not change at all, but Tong Wenchang s prestige fell to the bottom.
You must know that his master, Taoist Gu, is the same as Yang Xuanbao of Hebei Peak. They are both direct descendants of Yu Xuan, so Li Muzhou s seniority is very high.Wait until you win him. Be careful if you are contaminated with the sword s intention, you will lead the wolf into the house.
Lu Yong, who planned to live here for a while, met Zheng Dafeng and chatted for a few words. They had a Kelly Clarkson's Pre-Diabetes Diagnosis Motivated Her Weight Loss Journey [al8x7nks7]
similar atmosphere. One of them praised Lu Yong.It recorded a technique that the higher the monk s vision, the more he valued it. The sky and the earth are connected, and the mountain walls are connected.
Just then he saw Kelly Clarkson faces backlash over use of weight loss drug [4cw2mg79i]
Yuan Looking at Huajing, Guo Zhujiu didn t say anything. I thought to myself that even if I got to the Great Sword Qi Wall, I still couldn t enter the summer palace.At most, it is regarded as a vassal of Piyun Mountain, helping Lord Wei Shan of Dali to launder some shady money into clean silver for Beiyue s treasury, so it is not worthy of the mountain s official report.
Upon closer inspection, I found a mole on the tip of her nose. Not only was it not a pity for a beautiful jade, but it Keto Crave Gummies REVIEWS and SCAM, Explained [4j1t8jif4]
had a finishing touch of beauty.He had always felt that killing people was the happiest thing. He was not only afraid of death, but also afraid of this way of death.
She travels through the library of various countries in Tongye Continent, collecting rare Kiss My Keto Gummies Review [skskaeqw0]
ancient books of Haoran.Xiao Xing wanted to help him, but was immediately scolded by Yu Qing sternly. Xiao Xing smiled brightly, she pointed at the plump woman, as if asking for credit, and said to Chen Ping an and Yu Shiwu that she was not thinking about becoming a sword cultivator, so I kindly helped her create it.
Pei Qian grinned. Chen Ping an and Liu Taozhi said goodbye, shrunk to the top of the wall, then jumped off the wall with Pei Qian and walked towards the small house.He was as skinny as wood, with sunken cheeks and was skinny and skinny. But it is such a seemingly old person who has been rooted here Refine 365 Keto Gummies: Reviews 2022, Weight loss & Is It Truly Work? [kv4z1l2hk]
for thousands of years with the dojo.
Back to the topic, as the old saying goes, the rich celebrate the New Year and the poor pass the test.He added another sentence to lighten the atmosphere, Senior Liu, you don t need to think too much. Liu Taozhi smiled bitterly, could this be considered okay Even Xiao Pu wanted to give this person a thumbs up when he Super Slim Keto Gummies Review 2022- Side Effects, Ingredients or Scam [aavi4hus7]
heard this.
They are all possessed by the fist spirit, and they Gemini Keto Gummies Walmart {Ketosis Diet} Weight Loss Gummies! [vykqi9tj1]
have been inspected one by one by Qin Tianjian secretly, and they are indeed martial arts.So the other party either climbed over the wall uninvited, or.
he is a Taoist who really has magical powers. He can shrink the earth s veins and move mountains and rivers thousands of miles away.
Chen Ping an, who was in front of him, was also one of the clones. He was responsible for copying books and recording and summarizing what the other six people saw and heard.In Goodness Keto Gummies Review —A Comprehensive Guide [5hqkk7fp5]
this way, many mountain gods in other continents can still have something to look forward to, which is equivalent to making more mountains out of thin air.
In the future, I will be satisfied if I can serve as the leader of the upper sect and the master of the lower mountain.Simple and easy to understand. Seemingly chatting, Chen Ping an just talked about some common sense of Taoism that is not very profound and obscure in the world.
I said with a smile that I didn t have to worry about food and clothing, my practice was faster, and I didn t have to be regarded as a madam or a kiln sister by Everything You Need to Know About the Keto Diet [4arkv2drg]
those Qi practitioners who came to the house just to take off their pants.Not long ago, there was one more person in the Earthly Branch team. If we don t talk about killing power, but just talk about fame, even if the eleven people are added together, they may be far less than this person.
You said it was not good for you to provoke anyone, but you wanted to provoke Mr. Three Mountains and Nine Lords. And the most [UPDATE GUMMY] "Juzfit ACV Keto Gummies Reviews" - [PROS or CONS] #Price or Cost? [zaaar9ftd]
confusing thing about his confusion is that he shouldn t have returned to the earth so quickly.It has no effect. A few kowtows are nothing. A man can bend and stretch, and the face he throws on the ground is not considered face.
Zhao Shuxia said doubtfully Master, What do you mean Can I learn it Chen Ping an sternly nodded and said, Of course I can learn it.A river dragon as long as one finger is the first class rare river delicacy. If a river dragon lives for a hundred years, it will have a long body.
Then Yu Xuan s gold filled peak became even more lively , because not only the mountain was full of ancient trees and flowers, but also the spiritual birds flying and wandering outside the mountain appeared one by one.The two masters of the house love her the most. She is willing to pick Keto Gummies for weight loss? ( Shark Tank, Simpli ACV+Keto ) [24cmy4rl5]
up the stars and the moon. Now on the other side of Hehuan Mountain, the eldest daughter has been married.
Xiao Mo said When Mr. ACTIV Boost Keto Acv Gummies EXPOSED!! Activ Boost Keto REVIEW Activ Boost Keto Legit or Scam [ognmzj4fa]
Zheng returns to his hometown, it will be even more lively. Chen Ping an laughed for no reason Zheng Dafeng said that for scholars like us, reading old books is like saying goodbye is better than a newlywed.Zhu Lian was confused at first. He only looked at the title of the book on the cover. It was a serious book, but he didn t need the old cook to read the content or look at it.
We have learned such a technique, penetrated the sky and the earth s axis, and my colleagues have followed such a path.Haha, it s such a great scene. Can you say that foxes like Yu Chunzhi Mei, it would be fun if she also followed Zhao Fuyang and entered the Nascent Soul Realm.
If it is completely Simpli Fit Keto Gummies Reviews⚠️BEWARE⚠️Does Simpli Fit Keto Gummies Work? Simply Fit Keto Gummies [51hnyylol]
smashed, it will be engraved again. It saves trouble. The problem is that these three seals are said to be living among the people.Liu Xianyang asked Does that young man have the opportunity to go up the mountain to practice The difference between the immortals and the mortals on the mountain and down the mountain is as clear as the distinction between ghosts and ghosts.
They all came into being and are extremely rare. Chen Ping an said calmly The catastrophe in Yunku Blessed Land that year 5 Year Keto-versary Countdown Begins with a Keto Chow Giveaway! [aa8isty2t]
is a lesson for the past.It s just reminiscing about old times. Making noise, fighting and killing is not the behavior of a good citizen with an innocent background like me.
Emperor Zhu Xuan was a very courageous woman and would definitely use all the treasury to ensure that Chen Lingjun s Dadu escape was successful.In the early days, the right handed theory of the PureKana Keto Gummies Reviews - Does it work? Is it Scam? [o61lttovi]
Seven Governments had the absolute upper hand. has almost become a final conclusion, and the theory of Zuo Xuan has almost no voice.
There are layers of peach and plum blossoms on the mountains, layer after layer, and fireworks under the clouds are people s houses, and VIA KETO APPLE GUMMIES REVIEW - [bdk276jof]
every house is connected.There are boats fishing on the river. When the bamboo shoots are blooming in the mountains, the water rises by a pole in spring.
Chen Pingan asked How do you say it Cui Dongshan said In this Tongyezhou, we have nothing to belittle ourselves.This kind of unique talent is indeed inferior to others. Chen Ping an asked with a smile Let s go up the mountain together The boy in Zhu Yi shook his head Simply Health ACV Keto Gummies Reviews - Scam, Side Effects and Where To Buy [kswrim2nw]
vigorously, You have to go to Taoist Master Xianwei s house first to click on the Mao Hua.
He relies on the shop left by Niujiaodu Apple Keto Gummies - (BE CAREFUL) Apple Keto Gummies Australia - Apple Keto Gummies Reviews [exxcd1g4v]
Baofengzhai and is responsible for helping Luopo Mountain resell the goods shipped from Beiju Luzhou.Why are you two mediocre people dissatisfied Yu Xiehui snorted, and He Gu laughed angrily.
Xiaomi Li s message to Chai Wu was vivid and modeled. Yes. The desolate mountain ear repays the gods, indeed it is not a wasted reputation.
Just like this morning, Ketology Keto Gummies Weight Loss Reviews Scam or Real ACV Gummies! [xc725ddc4]
Xiao Mili only met Bai Xuan, King Sun Chun and the others were all in retreat.If the headmaster of Yufu Academy in Luzhou hadn t had a bad temper and publicly threatened to kill a monk from the wild monster tribe whenever he saw one hiding there, he even left the academy, participated in a mountain search, and personally killed several monster tribesmen.
Zhu Xuan asked sincerely Can I do anything for my seniors Wuzhou laughed dumbly. Zhu Xuan knew that he had made a mistake. If she can do it, why can t we do it Wuzhou smiled, pinched Zhu Xuan s cheek, and said, Thank you for your kindness.But Chen Ping an has the most complicated feelings towards his elder brother Cui Chan, who bullies his master and destroys his ancestors.
Chen Ping an said softly This matter depends on Liu ⚠️ Alert ⚠️ Lets Keto Gummies - Lets Keto Gummies Review - Lets Keto [zx207vzan]
Rou s own wishes. The bigger problem is that Dadu should not be too straight, otherwise the water will surge into the sea and it will easily take away the beauty of mountains and rivers in a continent.In the many government offices and private academies, there seemed to be the sound of books, as if reading at night, and there were dim lights like those crossing the river, or rushing into the wind, Or hesitantly, looking back, there is the market and countryside, with only a few lights, like the flickering lights of a cold window, meeting those lights on the road, and stopping to move forward is like meeting an old friend.
They are goods of unknown origin and shady origins, but the price is much cheaper. The man raised his chin and said, just watch here. If you see something you like, tell me.The two feet wearing embroidered shoes were not exposed to the sun all year round. Wouldn t they be whiter and tenderer She APPLE KETO GUMMIES – ((BEWARE)) – Apple Keto Gummies Reviews – Apple Keto Gummies Australia [vkpbf1tf6]
often helped them in the past.
Not long ago, he punched the white lotus root that was halfway up the mountain, and knocked it back to the foot of the mountain, and fell into the weak water.There was a quota for charcoal in the temple, so I swept the floor there. I met the old temple owner, holding a broom in his arms.
Zhou Mili stood guard at the door of the house, and when he saw who had finished drinking the tea in the bowl, he She will be ready to add water at any time.
His name is Wu Chi now, and he once called himself the Young Master Wu Guang. The last slender man is named Qiu Ye. According to fellow Taoist Qing Ling, this meaning means that the night is dark and the moon is bright, and the secluded man is wearing clothes and standing in the middle of the moon.
Just to seek revenge against Yu Dou. She has an obsession. Everyone in the world can kill Xinglou, but you, Yu Dou, can t.round at the bottom and flat at the top, Maggie Beer Keto Gummies Review & price [bjgoj3kbv]
floating on the stone, the cliff of Bangshu is engraved with four large red lacquer characters of Yanshou Taoist Temple, without any inscription.
We met and we talked. Seeing that I was diligent and hardworking, the mountain owner promised me that the new general guardian of Qilong Lane was finally established.Damn it, really only geniuses can talk to each other. Chen Ping an smiled casually and said Maybe you will be able to reunite with your G6 Keto ACV Gummies Reviews and Warning - Watch Before Buying! [4rk9gfp5j]
old friend Yangzhi soon.
I happened to meet a few friends and visited Heqi Zhai carefully. It was an eye opener. It seemed that I owed Mr. Zhang a favor and two notes. The world Things must be resolved one by one, and buying and selling cannot be done without benevolence and righteousness.After Cui Dongshan s careful construction and repair, they have taken on a new look. On the main peaks of the two mountains, steles were erected on the tops of the mountains Is It True? What is Active Keto Apple Gummies? How Keto Gummies Act on the Body [Keto Apple Gummies] [cc7cg1m7k]
respectively, which were inscribed by Cui Dongshan himself, saying I cannot come out and Purple Qi of Heaven and Earth.
However, Xiaomo s words and deeds have made Qingtong mentally prepared, but judging from the current situation, it seems that it is still not enough.The threshold for practicing martial arts is not as high as becoming a qi practitioner or mountain climbing, but it is really not something that can be learned by just throwing away a few boxing books.
This is how you should open your door to welcome customers and do business. Shuzhi said straightforwardly You can Slim Candy Keto ACV Gummies Review — This Is Another Scam — Shark Tank and Opera [5hylhryox]
even say something bad.In the past, several people had a clear division of labor and no one was willing to do more. However, Ma Zhong took the initiative to take over all the work in the vegetable garden and often got up late at night.
Anyway, it is equivalent to sword making and traveling around the mountains and rivers, so why not do it.Seeing the old Taoist priest, he walked straight across the threshold, walked into the house, and picked up a handwritten medicine book.
Island Master Liu squinted and smiled, Isn t it my conscience Chen Pingan pretended not to understand anything, just smiled, lowered his head and drank.I was still friends with the Deputy Mountain Chief Wang Zai. Wang Zai can definitely help mediate. The biggest problem is still the Tianmu Academy.
The girl The hair on his forehead was condensed into strips with KetoIQ Keto ACV Gummies Kelly Clarkson Scam and Reviews, Explained [31ewar6ow]
sweat. Stopping at the door, Zhu Lian laughed softly and said The little girl is so strong.When the morning class was over, Dian Ke Chang Geng also finished his work in the kitchen and it was time to eat.
Late this night, weaving officer Li Baozhen and two assistant officials from the government office visited the Yuzhang County Logging Institute.I guess this business that comes to my door is a sure thing Another sword cultivator came in the form of a rainbow and landed at the Kelly Clarkson shares her weight loss secret [hvk075o8q]
table.
According to Gu Qiu s valuation, they had already made almost exactly one dollar. Grain Rain money, when divided evenly, is almost ten pieces of snow money per person.She was wary of the sword wielding man, but in fact, based on her intuition, she was even more wary of the guy Xiao Mo called Young Master.
Besides, the boy s sect was not in Bao yet. Pingzhou, with its vast mountains and rivers, probably feels that I am getting old and can no longer walk on the roads, and I can no longer eat spicy food or drink wine.There was once a man who was rumored to have gone to the top of the Sword Qi Great Wall to refine swords.
It only had three cities and six floors. Yu Dou s nickname of True Invincible was spread during those turbulent years.
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.