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.
He even raised his upper body to get closer to the bun on Jiang Yuebai s head.Fang Mingli s eyes flashed, and the Chunqiu sword cut out with a dazzling edge, hitting Lu Nanzhi s side to break.
The blood light was probably transformed by the dragon transforming water in your mirror.She took out the Yuan Magnetic Ruler. The original stone like ruler had turned into pure black, with a faint metallic luster.
Tiger, long time no see A voice as clear and gentle as a mountain spring came from under the umbrella, making Qionglin Tiger s ears tremble as he watched the umbrella cover lift up, revealing Jiang Yue s beautiful smile.This was the first time she had harmed someone else because of herself.
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silent, and could only watch Zhao Xiu fail, and even take advantage of Li Jiuchuan s future.They looked at everything in front of them in horror.
The scarred man held his sword in front of him, with the sickle hooked on it.Instead of entering Yong an City, she went straight to Jiangjia Village, a hundred miles away, downstream of the Yahe River.
If I guessed correctly, the battles between various sects in the Quicksand Region in recent years
You did something behind the scenes for the current war.There are many ghosts and evil corpses that have turned into fire evil spirits.
Let s go quickly, it s not safe at night. Two The girls in the middle stage of Qi training pulled each other and ran under the moon, full of longing for the future.Lu Nazhi and Yun Shang looked at each other and smiled.
Jiang Yuebai removed the protective formation and stood up to stretch her muscles.Xiao Ankuo was shocked in his heart, and from then on I never thought that Jia Xiuchun was such a person who valued love and justice.
When I went out to buy something to eat, I was hit by a hydrangea
Sigh You not only bought food, you also bought storybooks.Yun Shang retreated in fear. She watched helplessly as the barrier was broken like paper.
Monsters are very sensitive to spiritual things, and the Ganoderma lucidum on her head has been emitting a weak demonic energy, attracting the monsters to come and want to take possession of this little Ganoderma lucidum as their own.Searching for souls is extremely damaging to Do Love Bites Gummies Have CBD in Them? Understanding CBD Content and Benefits
the soul and memory.
Mo Baichun raised an eyebrow, Hey, you re still an ambitious child, and you re not afraid of being charming.Fireworks in the world, how can the food in the world be delicious.
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sorry, if I don t listen to Master, I will die.Elder, you must not trust her. She is ambitious and has some agenda Lin Xiangtian s brows showed a hint of displeasure, I will naturally know that she has plans.
Judging from their aura, they should be veterans of robberies and murders, so they were difficult to deal with.
At this moment, Patriarch Jin Kai was moved. The possibility of finding Patriarch Zhai Ge s cave was very low, but the discovery of Does Lemon Water Help You Lose Weight? The Truth Revealed
Li Shiming, the master of alchemy, was not a big discovery.The valley is full of clouds and mist, and there are flying animals hidden in the clouds and mist.
Without looking at the result, Li Yuanba activated Bu Bu Bu Sheng Lotus and left the mountain.At this time, he no longer hides his figure. When he appeared outside the mountain gate, he paused and found four late stage Jindan monks chasing him out
He knew these four late stage Jindan monks. They were all direct disciples of Patriarch Li, and their status in the Senluo Sect was very high.
It s just a Secret Manual of the Sword Demon. Even if Elder Sword wants the Ten Directions Sword Cultivation Technique , he can still give it away.Kang Yuan knew deeply that Li Shiming s status in the Ten Thousand Beasts Sect was far higher than his own, and he would not oppose Li Shiming on such matters.
The divine light in Elder Sun Ao s eyes disappeared, life quickly drained from his body, and he soon lost his vitality.It can be said that after the cleaning of several Nascent Soul Sword Cultivators, all the valuable spiritual objects in the Huadie Sect have been cleared away.
My little Ganoderma lucidum was a little shaken, so I had to hang the little green ones on the beams of the house.Walk through the green bamboo forest and walk through the spiritual wheat fields.
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etc.Earth spells 60 Small chaotic spirit array disrupts the movement of the five elements of spiritual energy and interferes with magic weapons 60 Sparking fire array ninth grade fire array Exploring CBD Gummies Spectrum: Benefits, Types, and Usage Tips
72 Yimu spirit gathering array borrows wood spiritual energy to strengthen the fire array 72 Phantom Talisman of Split Shadows Can separate into six figures, consistent with one s own movements, confusing the enemy 90.
Jiang Yuebai jumped from the second floor window, landed in the courtyard, and walked slowly to Hong Tao.Oh my seedling, what did you do I asked you to repair the seedling for me.
We need to be careful not to expose our wealth and avoid being targeted.I didn t have time to write it down, so don t forget it.
The old man was quite impressed with Jiang Yuebai. Except for the wealthy inner disciples, no one would go to the training room on the first level of Qi training.I hope Senior Sister Jiang doesn t want to go. Disgusted.
go The biting cold suddenly erupted from the mirror, and the ice chimpanzee that was contained in the condenser rushed out violently, carrying a sharp ice crystal sword, Revolutionizing Fitness: How 3 U.S. Busy Professionals Shed Pounds with Activlife Keto Gummies
and slammed into the lingering sandworm king.Those disciples who open their own medicine fields will definitely rely on this product.
Give me all the fire spirit stones on your body. Xie Jingshan rummaged around and found nothing except Jiang The three hundred middle grade fire spirit stones that Yue Bai gave him originally, and three high grade fire spirit stones.Wen Ci smiled and said Okay, the way of swordsmanship is extensive and profound.
The handyman s salary needs to be deducted from his own salary, which is usually five low grade spiritual stones per month, which is equivalent to the monthly salary of outer sect disciples.Yuebai has met the Supreme Elder, dare I ask the elder, what s wrong with me Wen Miao sat up and waved to Jiang Yuebai, motioning for her to sit in front of him.
She can t make array disks other than fire attributes now, but other attributes made by others can be opened by her divine sense.
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.