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.
Datos en tiempo real provenientes de sensores ayudarán a los ingenieros de Bloodhound a optimizar constantemente el rendimiento del vehículo supersónico.
Las soluciones de identificación seguras permiten a las personas acceder con comodidad y seguridad a los sitios físicos y digitales, y conectar objetos que pueden ser identificados con precisión.
Si este año no es la excepción y las ventas se incrementan, es importante estar preparado desde un comienzo, tomando en cuenta los consejos de Microsip.
Los sitios que no tienen una versión para móviles ya no aparecen en las primeras páginas de búsquedas, lo cual puede resultar perjudicial para su marca o negocio.
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Brother Fei s father is in there. Ask him to help you.There must be some that everyone has heard of but never seen.
Isn t it amazing The teachers in our school have never said that there is such a thing.It s me. I m so sorry. Something happened yesterday. I m just here to apologize today.
Li Qingde paused, Old Fan from Fanjiaping Town will retire this year.Besides, there is nothing shameful about this, because it s not that the disease cannot be treated by itself, but he wants to find a simpler and more effective treatment method for the patient.
Your needle insertion has become very sluggish. You are still inserting it hard.Read more medical records of seniors. With your foundation, you will be able to turn this corner quickly.
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In the past two months with Wang Shuqiu, she had bought clothes for Du Heng three or four times.Whether it s a health center, a district hospital, or even a city or provincial hospital, they want to go to the countryside for free clinics.
Only then did he realize that the original gray willow tree, with its dry and slender willow branches, actually had many green branches.Then I ll decide for myself I ll decide for myself.
He will do anything for a Do Cbd Gummies Show Up H3qsf In A Drug Test R2dd puff of smoke. Don t apply the word humanity to these people.And because the profession is becoming more and more refined, doctors only read books on this specialty.
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Sir, everything is packed for you. The clerk s smile was very sweet and beautiful.They have no skills or knowledge. Now that they are old, where can they earn their family fortune In this case, if the government does not provide assistance, some people may not be able to survive.
Du Heng tried to pull up, but he didn t get up. Doctor Du, please save my mother.Hey, you re here, tell me what you ve been doing these days.
Zuo Liangliang left, and Wu Buwei was holding back the questions in his heart.Du Heng understood that soon his mouth would be full of blisters again.
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The Eight Bitter Formation shattered on the spot.Afterwards, Xu Yinluo slashed through the Buddhist vajra magic with one blow, discussed the Tao with the old monk under the bodhi tree, saved the old monk, climbed to the top of the Buddhist gate, and insisted on not kneeling under the coercion of the giant.
Two nails fell on the ground, Xu Qi an took them back first, and then closed his eyes and focused, sensing the sensation of his body Variety.He took out the fragments of the book and tapped the back lightly while muttering.
living room.What Li Lingsu wanted was this sentence Okay After Chai Xing er left the room, he immediately got out of his body and headed towards the cellar where Xu Qian was.There were ambiguous laughter and boos from all around.
Most of the masters of other systems will also have their vitality severely injured, and they will need to cultivate for many days to recover.Under such a premise, all Xu Qi an had to do was to be present when the Buddhist sect snatched the dragon energy.
This is Heng Yuan, a monk from Qinglong Temple.Bingyi Yuanjun glanced at the two of them indifferently Sword fetus, relic.Let me wait to enter Is it possible that we can still snatch the pagoda Xu Qi an asked again.
He will feel that the whole world is bullying and deceiving him.After another hour, she returned to Yongzhou City along the official road.
Xu Qi an sat on the back of the little mare On that day, looking far away, he said That day we agreed to use this as a contact point to exchange news.Liu Hongmian sat on the ridge of the roof, holding his knees in one hand and resting his chin in the other, feeling bored Looking at the scenery in the distance, Xu Qi an is really strong, he is indeed the most talented young man in the Central Plains.
Luo Yuheng was shy for a moment, but was suddenly replaced by sadness, sighed and said Jinlian told me that day, you have good luck, and you are the best partner for double cultivation.I have heard his name for a long time, but I have never seen him in person.
More often, the blade is just a symbolic meaning.Few people will pay attention to Wufu s weapons and magic weapons, unless they have special functions, they need to be extra vigilant.Li Lingsu said tsk Yongzhou is holding a martial arts conference, and the inns in the city, both good and bad, are full.
The hearts of all the people sank, and they couldn t help looking at Xu Qian who was in the distance.Yo, you Zhang Niuzi is still a hero for the country and the people, why don t you donate all your family wealth to the government for disaster relief.
Li Lingsu glanced at him suspiciously, as the son of Tianzong, he has extraordinary wisdom, and he will not lose his judgment because of Xu Qian s identity.particularly sensitive to this aspect.In the capital city, upstarts like this who are complacent after gaining power and who walk like adrift usually don t end well.
Xu Qi an immediately took her leave and left.Just as she walked out of the yard, the little girl s voice came from behind her.
Immediately, the expressions of the two of them changed drastically, and they saw the gray lightning rushing into another cloud of ghostly energy, triggering a chain reaction immediately.Xu Yang Exploring The Best Cbd Y93b2q7f7 Gummies Brands For Optimal Wellness 5foc was very satisfied after checking, and immediately set up a new Zongmen formation according to the direction of the spiritual spring of the spiritual land.
He simply couldn t afford to turn a big wave.Once he and others started to cultivate, the consumption would be accelerated, and death would not be far Where Can You Get Cbd Gummies A Comprehensive Guide To The Best Products On The Market Glvy Dagn away.The two left the city and fled at high speed.A few days later, they came to a mountain and were suddenly blocked by a hurricane, which forced the two to stop.
Seeing that they were not far from the Bailu Mountain Range, suddenly the complexions of the three of Luo Hu changed, and there was a violent spiritual fluctuation, and someone was fighting fiercely.I don t know where it is with They dispatched at once.
Heavy damage, even so, the power will drop, but there is no way to help the black sand Yinmo Banner.The golden sword worms were about to rush up but were stopped by Xu Yang.
The Treasure Pavilion is a stone cave with an area of hundreds of square meters.These big trees are called ghost face trees, and the longer they live, the higher their spiritual intelligence will be.
At this moment, Taiyin Daoist also had his thoughts turned.Seeing this, Xu Yang breathed a sigh of relief, and came back to the statue of Zhu Rong.
Sensing Xu Yang s appearance, the two quickly approached him.After suffering such a terrible blow, Xu Yang was still alive What a shock.
He came to the spider in a flash, held it carefully in his hand for a while, and then took it away with a solemn expression.Participants of this trial must be below the level of Guidan, that s why Yin Ji came to Guimen City, not One Farm Cbd H0t0p Reviews A Comprehensive Analysis Of Organic Cbd Products Kcxiv D10t wanting to be ambushed halfway and almost die.
Xu Yang stretched out his hand in the small world, and caught a black magic bead.Under the joint force, the law of devouring appears, and no grass grows anywhere it passes, and no one can stop it.
The three of them were overjoyed when they heard the words, and hurriedly bowed and bowed carefully to retreat.Seeing that the net of law was useless, Xu Yang decisively withdrew it, and turned to fight with Shinansheng with all his strength.
The bone dragon roared and swung its claws.With a cry, a pair of bone claws broke and was severely injured.Luo Hu looked at the ninth rank Qinglian in surprise, and asked in puzzlement, I don t know what the elder brother brought me here for With such a treasure of destruction in hand, you must plan to comprehend the law of destruction and the law of killing, and these two laws are too powerful to cause backlash.
Unexpectedly, Mengyao was so eager to practice the magic power of Moon Shadow.Xu Yang was helpless for a while, this place was too unfavorable for him, and he could not deal with the two Baidi with only his physical strength.
When the two were fighting fiercely, Patriarch Gaifeng was not slow in his movements.The number of spirit treasures in the Tianyuan world is very small.
The Fire Emperor in armor roared, What a thief, you actually destroyed my Five Elements Realm Forbidden place, really deserves to die, why is Baidi still standing there Take it down quickly Baidi was a little embarrassed when he heard this, and cursed inwardly Bastard, if you can take him down, you still have to say, If I want to, I ll crush him to ashes.
Otherwise, we would not have fallen into such a dangerous situation.These changes made Xu Yang very happy.If he continues to evolve, the small world will become stronger and he will have greater capital.
The red lotus patriarch fell, and fought against the Sunset Demon Lord.The three of them were surprised at first, and then looked at Xu Yang with great joy.
The whole body of Guimenguan is pitch black.There are a lot of grimaces carved on the two doorposts, and there are various ghosts and beasts on the gate, exuding eerie and strange spiritual pressure, which is a kind of evil formation at first glance.He has not broken through before.I can still suppress him, but now it is The Benefits And Effects Vwyc3nv Of 25 Mg Full Spectrum Cbd Gummies Yazfw Olv2 a bit difficult.
Yin Ji stepped forward and apologized, Thank you for waiting for a long time, seniors, Yin Ji is very sorry.Although the Yipinlian Office has only just emerged, it also made Xu Yang extremely excited.
A hazy light shone on the space channel, and the space channel gradually shrank.
In fact, losing one s mind and going mad is the best ending, and what is worse, the spirit veins will be cut off and you will die.Perhaps, this person is really Tan Su, the uncle s eldest disciple.
After all, he was looking forward to Master s reaction after hearing this.In the end, she had no choice but to give up.Not a word.
Let s go, let s go and have a look too.Yu Liao turned her eyes away and said to Qin Su and the two of them.Seeing her The Benefits Of Zen Leaf Cbd Gummies Blood A Comprehensive Is9 Guide Tgmnw Ytgx like this, Yu Liao postponed her departure, planning to let her wake up and eat before going to the hairpin conference venue, which is not far away anyway.
Gu Jia was dressed in red Watermelon 6js Cannabis Gummies Wnij and waving his fan and fell from the wall.The few people rushed for a few days, and settled in a place where pear blossoms were in full bloom.
Meng Xun and Yan er Cbd 351 Gummies Without Melatonin Ry65 were forced to send out of the gate of the world by her when they were sweating.Now that Tan Su s memory of her previous life has recovered, she is indeed treating him with sword moves and so on.
Miss Su, and this young master, as you can see, I am a monk.Around the front.Due to the dense attack of many vines, Tan Feng had no choice but to block a few of them with his folding fan, barely protecting the vital points.
Just when he was about to face the sword edge and spiritual power to trap the opponent with vines, he saw a white streak flashing in front of him, it was Master.Yu Liao s richest gaze was Cbd Relax Gummies Y631 Pi70 Su Mu s hand knife stretching towards her neck, and delaying time seemed impossible.
So what if they were all killed.I listen to Master.The reddish quilt was placed under the woman s bed, and she was slightly sunken as if being entangled in the quilt.
I saw that the previously quiet mansion was completely lively Achieving Relaxation With 3wze98zr Cbd Thc Gummies High A Comprehensive Guide Ozcip Bc2q at the moment, and a group of human figures, neither human nor ghost, were moving slowly in the distance, and their steps were in unison.The two didn t say goodbye to Master Yanshu and went down the mountain.
When Yu Liao tasted it with chopsticks, she also tasted a dish called Heji.They only need to use a little spiritual power on the top, and the words spoken by the people below will fall into their ears exactly.
Yu Liao glanced at the gloomy Gushuci.Obviously, the two brothers were still at odds as in the previous world.The four masters and apprentices recuperated for a day before they went to say goodbye to their seniors.
Finally, she sighed softly, and said to Tan Su when she was about to exit the room Qin Su, my junior sister didn t love you for nothing, I admit that I wanted you to do this selfishly, but I decided to give it to you.She is the eldest lady of the Su family and her father s favorite jewel.
Every time Qin Wan got Kanibi Cbd Reviews A Comprehensive Guide To Cbd G06 Products Rijci 2lpp up and knelt down, the blood was slowly winding down the center of her eyebrows, completely destroying her gentle beauty.He couldn t restrain the smile on his face, and the next moment he pressed the headrest on his arms and buried his face in it.
Compared with her two older sisters, Master is more beautiful.Qin Su could hear the softness in Master s words, the smile in his eyes deepened, and he leaned over slightly to imprint a kiss Understanding The Benefits Of Canna Organic Cbd Gummies H6c For Overall Well Being H1fh on her bun, and the fragrance of pear blossom deepened as he smelled it.
He never thought that this broken vine could appear on the other side anytime, anywhere.After finishing speaking, the two looked at each other and smiled.
Speaking, the smile in Gu Jia s eyes deepened, and then he continued If you need to use it in the next place, just ask Miss Su.
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.