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.
6 de cada 10 trabajadores reportan ser más productivos en sus trabajos gracias a las tecnologías móviles, mientras que casi la mitad (48%) están más satisfechos en su trabajo si perciben que su empleador es un buen proveedor de condiciones móviles de trabajo.
En esta temporada alta, los minoristas deben estar preparados para enfrentar el desafío de los paquetes perdidos con estrategias efectivas. Implementar soluciones como el seguimiento detallado de pedidos, la cadena de custodia fotográfica, y opciones de entrega seguras puede minimizar el impacto financiero y mantener la fidelidad del cliente.
Los edificios inteligentes pronto demostrarán enormes beneficios en términos de calidad de la experiencia del usuario final en comodidad, productividad e incluso darle ventaja competitiva global.
Hongtang and Xiaotao were anxious, seeing The Taoist spells performed by the ninth level catfish demon and the ice butterfly were beyond their reach and could not intercept the soul of Old Demon Su.When they came closer, they could clearly see the tenth level ancient dragon flying in the clouds Although it is a fantasy beast, in terms of momentum and prestige, it can be said to be the existence with the strongest spiritual pressure in this barbarian ancient fantasy world Ye Ling looked intently and saw that behind the giant dragon, there was an open space about a mile in radius.
Even if all the spiritual beasts are bundled together, they can t kill the stone monster guarding the fantasy sea cave.Wang Shiyuan took the photo, and after consulting with his junior sister and junior brother, Ye Ling also started to compare the treasure maps that had been dropped from the storage bag Best CBD Gummies in Topeka, KS - Legal Status, Benefits, and Reviews
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The barbaric cultivators rushed forward to catch up, and the top of Nanshan Mountain was completely empty Ye Ling, Baihua Girl, Zhi Lan, and Wing Fire Witch took this opportunity to rush into the teleportation aperture under the cirrocumulus clouds In an instant, the white light of teleportation obscured everyone s vision.
We ll deal with them later We re all working hard to catch up.In an instant, the fire clouds were rolled back and burned back Ah With a shrill cry of Unveiling the Magic: How Keto Ripped ACV Gummies Shape Celebrity Diets
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also changed hands several times.Just when Ye Ling s eyes were exposed as he was recalling, and his heart was filled with waves, the voice of Youyue Fairy Feng Cailing echoed in the air Hurry Don t let them take the lead.
It will set up a forbidden formation and be guarded by spiritual beasts When you go back, every three days God, come to me to receive elixirs and spiritual wine, and there Batch CBD Gummies: Benefits, Reviews, and How They Work for Relaxation and Pain Relief
will be ice butterflies to welcome you.It was indeed a quiet and good place. Tang Die very diligently cleaned Ye Ling s cave, folded quilts and made the bed.
We can t go there. We might as well fly in the wasteland.
War criminals from the Yang Kingdom entered the territory of the Dragon Kingdom and became guests.Either give people a majestic and arrogant image, or like Qin Feng, establish an approachable and generous image.
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sent him back again. This time, Qin Feng stopped Liu Shuang before leaving I just heard Ye Huang say that you came down from the battlefield with Ye Huang, and you are considered her confidant and bodyguard, right Liu Shuang was still like that.No matter who his shares are allocated to in the end, even if they are left to his family, Song Qinghui is sure that he will get them all in the end.
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of doing this Originally, I just wanted to teach your family a lesson.If the Song family wants to continue to take Qinghai s dividends, they have to look at Chen Chuqing s face, otherwise they will not even have the chance to take the dividends.
It stands to reason that the Wumeng headquarters should be prepared.Many people have already looked at Qin Feng. Oh, people are so irritating.
Chen Xiao finally came out of Netherworld Prison. He probably won t want to go to that place again.Instead of worrying about others, it is better to first Worry about yourself.
So he said nothing more and just nodded with a smile I know aunt, I won t have any ill intentions towards them.I thought you were hiding and afraid to see people.
You fart Du Qingyue interrupted him with a scolding Don t confuse me with you.It s not good for you to take action Since you know, then you go to Miss Du San and the others first.
How can we talk about fairness What kind of royal law are you talking about There is only one kind of fairness in this world, and that is the law of the jungle Jiang Yunshu s words were sonorous and her waist was straight, as if she was saying some wise words, and she trampled Qin Feng and others under her feet.
Even if she really has the ability and luck, she will only be worth hundreds of millions in the end.At that time, not many people knew about Ye Rufeng s arrival in Qingcheng, and the meeting between the two parties was even more low key.
Tie Qiusheng on the side couldn t hold it in anymore and shouted angrily Xu Hailin, what do you mean Anyone can slander our Nirvana team, but you, a traitor, can t Haha, don t think that now that you are the captain of the Eagle, you can show off your power in Where to Buy Divinity Labs Keto Gummies: Unlocking the Power of Keto-Friendly Snacking
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Qin Shufang hurriedly stepped forward and explained Grandma, that s not what happened.It was obvious that they had received instructions from others.
But after hearing this, he just smiled faintly Since you are coming for me, then I will just carry on.Qin to win
five million. biQuPai. Hearing this number, the audience was completely excited.
Ye, please listen to me explain to Mr. Ye, this person is just a small bodyguard, there is no way he can be the major shareholder of Qinghai.Qin Feng Interrupted him Anyway, you were also a famous figure in Longdu back then.
Don t know So they are not from the Martial Arts Temple.
Jiang Yuebai came out of the market and walked around the camp where the disciples of Biyou Palace lived when he suddenly heard Familiar voice.The entire Qi Dan is surrounded by dense silver thunder.
I still remember that Xiaobai once told me about the lightning induced body forging in the Yinshan Mine.The female cultivator in black held a sword and fought out of the ghost mist.
The demonic energy in Lu Nazhi s body was also boiling under the rain of blood.Xie Jingshan was startled, and when he was about to stop him, he suddenly found that the formation had not been triggered.
Everyone turned around and saw that Jiang Yuebai didn t feel sad about leaving at all, but his eyes were shining.First combine the Gui Water Thunder to balance the righteousness.
Everywhere you look, there are huge black stone pillars, with different things carved in the middle of each stone pillar.At first glance, Jiang Yuebai thought they were back at the Nine Dragon Heads outside, but upon closer inspection, she found that the Nine Discovering the Best Sources: Where to Buy Keto ACV Gummies in 2025
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Only Mahayana monks who have mastered the laws of heaven and earth can do it.She obtained the ice demon inheritance in the eighth level iceberg prison and successfully formed the elixir.
The surrounding flower demons were so frightened that their petals dropped and they huddled together.The little demons, bee swarms and spirit beasts in Liantai Cave are all still alive, and the two grass dragon eggs are well taken care of by Jixiang s wife and cub.
Not long after, she heard some movement from the front, and immediately touched it quietly.Jiang Yuebai s heart surged, feeling that Ao Juan must be in front of him.
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Shen Huaixi looked at the sparrow, who clenched the corners of his clothes.Mulong Song. With the sound of the flute here, Xie Jingshan shuddered and sat up straight from How Much Apple Cider Vinegar Should I Drink to Lose Weight: 3 US Office Workers’ Triumph
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Before they could be happy for a moment, what happened in front of them made them stunned.Although the great elder s strength is good, in terms of mental strength, no one in the Golden Core stage NextEvo CBD Gummies: Expert Reviews, Benefits, and Quality Assurance
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When he sensed single digit spiritual energy spots around him, he understood that without the help of the Soul Gathering Plate, it would probably take a hundred times longer to reach the second level of Qi Refining.If he was at the peak of his strength, he would naturally use the Nascent Soul Dharma, so How to Enlarge Gummy Bears: A Fun and Educational Science Project (PcyuR)
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There was a long sword in his hand, which was the third grade sword base
he dwarfed and released the Silver Corpse General at the same time, and let the Silver Corpse General activate his sword intent.After that, it would be very difficult to enhance it, and it could not be achieved in a short time.
This spiritual object is contained in an isolation jade box to prevent the breath from leaking.This kind of gap in cultivation cannot be made up by the number of people.
As the saying goes, wealth can lead to gods. Although this method is primitive, it will always work.Li Yuanba couldn t help but mourn for the great Arhat of Wisdom Fire.
Being number one in sword cultivating skills was not something just announced.As soon as he put the dark gold jade slip away, he was sent out of the reward room.
Among the products of Beishu Trading Company, the magical instruments with Li Shiming s mark have become as sought after by monks as his elixir.There are accurate methods for opening and leaving the cave.
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.