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.
La tecnología actual puede ayudar a desarrollar y sostener modelos de negocios nuevos y se ha vuelto cada vez más sofisticada. La puerta se abre y es el momento de ingresar.
Con los cambios que la ley federal establece, los productores y procesadores de alimentos están en primera línea aceptando una responsabilidad significativa por la inocuidad de los alimentos.
Los sistemas láser Ultra están diseñados y son ideales para corte de precisión por láser, ablación por láser y modificación superficial por láser en áreas productivas, I&D y prototipeo.
Uncle Yu, look at this thing. Su Ye casually handed the shark tooth powder to Yu Ziya.After busy for a while, Su Ye poured a bowl of dark concoction into his mouth, then wiped his mouth and looked at the sky.
This was also a required course for the King of Gou to hide in the world of mortals.Beside the national treasure, there were a bunch of purple fragments scattered around, and surprisingly the purple jade bamboo was broken into pieces.
Su Ye could feel that it was not due to any random reasons such as being talented or having excellent spiritual roots, but because of the energy of Taiyin.Looking for a house like Su Ye is not a troublesome thing, and does not require a lot of resources.
Su Ye and Luo Qingqing didn t force it, they just drank a few drinks and left.Su Ye nodded, quite satisfied. The list of five elixirs he gave were all elixirs that he was very scarce.
He looked at the wooden sign hanging on the medicine cabinet and waved to the shop assistant.With the help of the medicinal effect, almost in a very short period of time, Apple Cider Vinegar and Cranberry Juice Weight Loss : A Powerful Combination
the spiritual energy in Su Ye s body completed its daily circulation, and then when it circulated for the second day, the surrounding spiritual energy quickly gathered.
Even if this thing is displayed in the elixir shop and cannot be sold, it still has a good reputation.However, among those powerful people, some have already led others to join in this dispute, while others are still struggling with what to do.
There are only a handful of places with water sources, and you have to walk hundreds or thousands of miles to reach the water source.Yes, young master, my subordinates will take care of it.
Every family has also shed a lot of blood in the ring, but no one will pity or sympathize.The woman was wearing a tight fitting black skirt, which wrapped her body into a shapely shape.
His face was pale, his body covered with cuts was soaked in blood, and there was a wound on his chest that was deep enough to show the bone.Immediately, several members of the Jin family looked at Zheng Xiaoliu, who had just returned to the small stand, with slightly dissatisfied expressions on their faces.
Yes Teacher Luo Chen quickly got into the mood, changed his title, stood up from the floor of the carriage and sat back down.There is a long table not far to the right of the Huichun Hall entrance.
The river is wide, more than 60 feet at its widest point.What s going on Seeing the dark wind blowing in the Colosseum, everyone Sugarless CBD Gummies: Benefits, Types, and Reviews of CBD Infused Gummies
in the stands felt goosebumps, and they looked at the entire Colosseum curiously, wanting to know where the wind came from.
No Luo Chen shook his head expressionlessly and didn t say much.At this moment, Zheng Xiaoliu and Xu Huang also rushed over with two guards.
Bang The guard desperately left the water bag on the ground, lying on his stomach, and kept digging the sand on the ground with his hands.Haha Luo Chen smiled, but his heart ached a little.
Boy You gave Purple Mist Armor and Snow Shendan to the East Palace, why can t you give them to me After being ignored and rejected by Luo Chen again and again, King Wei also tore off his disguise and returned to his original domineering self.After a while, the injured mare roared and slowly stood up from the ground.
It is also the strongest martial skill Luo Chen has mastered so far.Luo Chenpi looked at Zhou Song with a smile. Luck is also a part of strength Zhou Song sighed with emotion, and then said seriously This county would like to ask Mr.
Luo Chen no longer hesitated, took off his clothes and got into the tub.Those employers like them the most. Hiring bodyguards, and those warriors without the level of bodyguards have become increasingly difficult to find work.
After absorbing the power of the Biogreen CBD Blood Sugar Gummies - Natural Blood Sugar Regulation
Six Yang Spiritual Fire , the corpse was easily burned to ashes.At that time, he spent most of his time on cultivation and did not know much about the outside world.
With a boom , the first thunder fell. This The Benefits and Effects of Haze CBD Gummies: A Comprehensive Guide (AiuzX)
thunder blasted away most of the flying swords except for a hundred fourth grade flying swords.In fact, actual examples are sometimes more valuable than the knowledge of weapon refining.
the energy of the person. This is such a boring voyage.Who dares to associate with a monk who has mastered other minds would not be showing everything about himself.
Join hands and let the rocks fall The leading Yuanying early stage monk said in a deep voice when he saw Wang Yuan s thunder method stopped.Li Shiming came to the spiritual pet room and found that the dragon vein source crystal surrounded by the phantom dragon was missing, but the phantom dragon was rolling on the ground, seemingly in extreme pain.
Ancestor Fan s temper was a bit bad after he was awakened.If the formation ability is a means to crack the formation, then So close to the end of the world is a cheating device to crack the formation.
Fortunately, it was in the computer room space. When he explored the inside of the Shen Xiao Lei Zhu , he used his special control over the computer room space.These third grade elixirs can be used by some forces to support nearly ten early stage golden elixir monks.
The corpse can stay quietly. Early the next morning, Li Shiming was called to the courtyard outside the palace by Gu Jia s Hundred Miles Messenger Talisman.The ghost s attack is not a physical attack, but an attack against the spirit and soul.
Although the fifteen early Yuanying monks are all members of Yingting Village, they all know each other s nature very well.The troubles in Nanling City had nothing to do with him.
After entering the cave, he felt depressed and restless.In the right hand of Nascent Soul s Dharma form, he holds the Heaven Strike Thunder Hammer.
If there is any trouble, they can work together to deal with it.It s a pity that even if you want to die, you can t do it here.
He is not the only venerable person in Qianye Temple who is awake.
They even forgot that they were on the way to the charge.The current situation does not allow Luo Chen to try, so he can only rely on Tang San, an expert in mechanisms.
with the mutton fat chalcedony, those sects can always maintain a certain number of high level warriors.Although he had some guesses about the mechanism, there were so many lines.
He saw this small island, four or five meters away from the shore, and was connected to the shore by three stone bridges.Moreover, judging from Luo Chen s current strength, he is definitely not a silver handed man.
Woolen cloth The people I arranged to stay in Ningshui County two days ago came back and told me that Luo Chen was still alive and well.What will happen. After two breaths, there was no response from the blood ants.
Of course, this does not mean that Luo Chen wants to die as a Where to Buy Serenity CBD Gummies: A Comprehensive Guide
good person, but that the prince of Nanjiao Kingdom cannot die, otherwise it will definitely cause a war between the two countries.Looking at all this, Luo Chen shook his head with a wry smile, then raised his feet and continued walking outside Zuixian Tower.
I don t know, I Indulge in Relaxation with Tetra Bliss CBD Gummies for Sale: Unlock the Power of CBD for a Blissful
didn t spend any money anyway Uh
Luo Chen was stunned Then how did you get it Hehe Zheng Xiaoliu smiled proudly Have you forgotten my name in the world This
Hearing this, Luo Chen shook his head with a wry smile.The rain is falling, the wind is roaring, and no one is left in between This circle is Luo Chen s domain.
Let s go Let s go quickly The waiter got rid of Zheng Xiaoliu, grabbed the burly man who was going to avenge the woman, and ran towards the back kitchen.Although Luo Chen seemed to have no abnormality on the surface at this time, the true energy in his body had long been exhausted.
Sun. Seeing this, everyone stared at the wooden box on Finding the Best "Sleep CBD Gummies Near Me" for a Restful Night's Sleep
the table, looking forward to what the first auction item would be in Tianbao Pavilion s rare auction.Seeing this, Lu Kexiao also withdrew his gaze, frowning and thinking.
Also, what kind of horse is this Is it a beast Sir, I have never seen such a horse before, but it is indeed a beast.When Luo Chen saw this, Improving Sleep Quality with SugarBear Sleep Deep Gummy Vitamins: A Comprehensive Review (Qsden)
he sneered. His perception was paying attention to the soldiers, and he already knew that these two people were the killers of the Hidden Killing Sect.
They knew that they and others would not get the elixir, so they dispersed sadly.Shopkeeper Sun paused for a while and continued It Tri Leaf CBD Gummies: Benefits, Reviews, and Expert Opinions
is because Ziwu Villa is here to control our Gushan Town.
Luo Chen still remembered all the things that Yin Anzhi had done to embarrass him.This is on the Han River, my Cao Gang s territory. No one can hurt you and you can leave safely, not to mention Brother Jian here Zhao Zichen is a scheming person.
Their sect leader is a first class mid level warrior.Luo Chen glanced at Mr. Qin again, and then stepped directly into the room without saying a word.
You will be punished sooner or later. My grandfather will not treat you.If you hurt her, they will definitely not let you go.
Luo, I have misunderstood. My daughter never meant this.It is priceless but only more expensive than a set of Purple Mist Armor Master Zi , how many Purple Mist Armor and Black Cloud Horse do you want This
A basin of cold water was poured down, and Ziye suddenly had a toothache.
Seeing Luo Chen shoot an arrow at him, how could he be shot by Luo Chen so easily He suddenly tilted his head and the arrow 4 Surprising Benefits of Keto Diet Pills from Shark
whizzed past his ear.We rushed back to the water source. Yeah. How could Luo Chen not know this situation After thinking for a moment, he turned his head and asked Xu Huang Is there a place where plants grow near here, or an ancient river Plants Ancient river Xu Huang was stunned when he heard this.
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.