2

About Us.…….…………..….…............................... 3

Agenda

Famsa Mexico……..……….……………. 8

Banco Famsa..……………………............ 9

Famsa USA…..………………......……........... 12

Consolidated Results………..………………. 6

1

2

3

4

5

2Q16

Financial Position Items…………….....……........... 136

3

3

1. About Us: Profile

Leader in the retail sector in

Mexico

Targeting large and growing market

segments

• Mexico: C / D Segments (~65%)

• Total population: 112 million;

28 million of households (2010)

• Favorable demographics: > 50%

between 20-74 yrs.

• USA: Hispanic population ~54

million (July 2013)

Market niche

Commercial positioning

• 919 business units

• ~1,200 sqm/store (average)

• ~50% share of furniture, electronics,

mobile phones and appliances in sales

• ~80% of sales through consumer credit

• > 4,000 SME clients affiliated with Promobien

• > 1,500 wholesale clients through Mayoramsa

• > 1.3 million clients with Famsa card and avg.

account balance > Ps.13k in Banco Famsa

(>2x sector)

• >1,500 brands and commercial trademarks

E: 31%

C-/D/D+: 49%

C: 15%

C+: 3%

A/B:

2%

Revenue

Mexico Opn.

Operational structure

86%

USA Opn. 14%

Its brand awareness and client loyalty support Grupo Famsa’s commercial positioning

4 1. About Us: Operation & Footprint

Penetration of stores & banking branches

High Medium Low

• 11 distribution centers

• 17 warehouses for transfer

• Fleet > 200 vehicles

• Agreements with > 90 companies in Mexico & USA

Distribution network

• State of the art platform

• Smart inventory management

• Integrated communications network

IT infrastructure

• Installed capacity > 10k sqm for furniture manifacturing

• Motorcycles, JV with Moto Road

• Famsa to Famsa, USA sales to be delivered in Mexico

• > 875k hrs./yr. of training to deliver solutions “in home”

Vertical integration

Famsa Mexico

• 379 stores

• 486 banking branches¹

• Presence in 220 cities

Net work of stores & banking branches

Famsa USA

• 26 stores

• 28 Personal Loans

Branches

Distribution centers

The enhancement of positioning, logistics and integration constitutes our day to day

¹Including 88“to be converted” branches.

5 2. Highlights

Marketing 1

8.2% YoY growth in Consolidated Net Sales

during 2Q16

Solid increase in Consolidated Net Income of

34.3% YoY, reaching Ps.162 million in 2Q16

2016MX

The NPL closed at 9.1% as of June 30, 2016, 40

bps. above 1Q16, due to a lower participation of

commercial loans in the portfolio

Bank deposits posted a significant growth of

25.7% YoY in 2Q16, reaching Ps.19,742 million

USA

Famsa Mexico’s SSS rose 6.9% YoY in 2Q16

The contribution of Seasonal Goods,

Electronics and Mobile Phones stood out in

2Q16

Famsa USA’s Net Sales in pesos increased by

14.5% YoY in 2Q16 as a result of strong

personal loans origination

EBITDA in pesos grew by 23.1% YoY in 2Q16 in

the United States

S E C O N D Q U AR T E R

6

18.9% 18.4%

15.5% 15.5%10.1% 10.7%13.4% 12.8%9.9% 10.5%6.0%

5.5%

23.1%24.0%

4,104 4,440

2Q15 2Q16

20.0% 18.5%

16.2% 16.0%

10.7% 11.4%13.4% 12.7%10.0%

10.1%5.4%5.5%

20.5%22.9%

7,634 8,394

YTD 15 YTD 16

Others

Computers

Motorcycles

Mobile Phones

Appliances

Electronics

Furniture

Personal Loans

2. Consolidated Results

2.4%

-2.3%

-1.1%

-1.1%

6.3%

8.8%

7.1%

10.0%10.7%

5.1%

1Q

14

2Q

14

3Q

14

4Q

14

1Q

15

2Q

15

3Q

15

4Q

15

1Q

16

2Q

16

Business-units Retail-area

Net Sales by product mix

Same Store Sales (SSS)

Net Sales by country(Millions of MXP)

87.4% 86.7%

12.6%13.3%4,1044,440

2Q15 2Q16

87.0% 86.3%

13.0%13.7%

7,6348,394

YTD 15 YTD 16

Famsa USA

Famsa MX

8.2%

9.9%

Net Sales recorded a 8.2% growth rate in 2Q16

(Millions of MXP)

444 451

66 6641 40

561 568

2Q15-m2* 2Q16-m2*

To be converted branches

Banking branches

Branches

Stores USA

Stores MX

374 379

26 26

406 398

101 88

923 919

2Q15 2Q16

-0.4%1.3%

*m2 in thousands.

7

422 371

812 745

461 419

882 838

2Q15 2Q16 YTD 15 YTD 16

USA

MX

11.6% 10.0%

1,671 1,7213,159 3,299

1,918 2,013

3,632 3,884

2Q15 2Q16 YTD 15 YTD 16

USA

MX

2. Consolidated Results

47.6%

249 306

521 472

2Q15 2Q16 YTD 15 YTD 16

Gross Profit

Financial expenses, net

EBITDA

46.3%

5.0%

6.9%

-9.0%

-5.0%

6.1%6.9%

6.8%5.6%

11.2% 9.4%

-9.2%

22.7%

46.7% 45.3%

(Millions of MXP)

(Millions of MXP)

(Millions of MXP)

121 162214

321

2Q15 2Q16 YTD 15 YTD 16

Net Income

34.3%

49.6%(Millions of MXP)

2.9%3.7%

2.8%

3.8%

8 3. Famsa Mexico

Same Store Sales (SSS)

Sales by product mix

20.5% 19.4%

13.5% 12.9%9.5% 10.5%11.3% 12.1%10.4% 10.0%6.9% 6.3%

24.9%26.0%

3,5573,818

2Q15 2Q16

-5%0%5%

10%15%20%25%30%

Co

mp

ute

rs

Mo

torc

yc

les

Pe

rso

na

lL

oa

ns

Fu

rnit

ure

Ap

plian

ce

s

Mo

bile P

ho

nes

Ele

ctr

on

ics

Se

aso

na

lG

oo

ds

Sales growth by product category (2Q16)

21.9% 19.5%

13.4% 12.8%

10.0% 11.5%11.5% 11.7%10.9% 10.2%6.3% 6.4%

22.2%24.9%

6,5907,182

YTD 15 YTD 16

Others

Computers

Motorcycles

Furniture

Mobile Phones

Electronics

Appliances

Personal Loans

7.3%

9.0%

Seasonal Goods and Electronics posted strong growth in 2Q16

(Millions of MXP)

-2.8%-5.7%

-1.5%-1.4%

7.5%10.0%

8.0%

11.5%10.0%

6.9%

1Q

14

2Q

14

3Q

14

4Q

14

1Q

15

2Q

15

3Q

15

4Q

15

1Q

16

2Q

16

FAMSAMEXICO

ANTAD

9 4. Banco Famsa

17.6%16.2%

14.2% 13.3%11.9%

10.4% 9.8%8.7% 9.1%

Ju

n'1

4

Sep

'14

Dec'1

4

Ma

r'15

Ju

n'1

5

Sep

'15

Dec'1

5

Ma

r´16

Ju

n'1

6

Non-performing Loans Ratio (NPL)**

*Gross Balance

**Includes credits discounted by payroll

Source: Banco Famsa

Portfolio of Loans*

The Non-Performing loans ratio (NPL) was 9.1% as of June 30, 2016

15,74716,405

17,21517,822 17,938

2Q15 3Q15 4Q15 1Q16 2Q16

13.9%(Millions of MXP)

Consumer78%

Commercial22%

2Q15

Consumer80%

Commercial20%

2Q16

Portfolio of Loans Mix

10 4. Banco Famsa

Bank deposits grew by 25.7% YoY, reaching Ps.19,742 million in 2Q16

Demand deposits

10%

Opnl Availability

21%

Time Deposits69%

2Q15

Demand deposits

10%Opnl

Availability19%

Time Deposits71%

2Q16

Bank Deposits Mix

(Millions of MXP)

Famsa card, credit cards,

microcredits, SMEs,

Fovisste, enterprises,

Credinero and Prendinero

Deposits

e-Banking, ATMs,

payroll, TPVs,

remittances, money

orders and insurance

Savings, payroll,

checks and

investments

Services

Loans

15,70716,501

18,359 18,611 19,742

2Q15 3Q15 4Q15 1Q16 2Q16

4.4%4.2% 4.1% 4.1% 4.1%

Bank Deposits

11 4. Banco FamsaThe Commercial Loans Portfolio rose by 8.3% YoY in 2Q16

Microcredits SMEs Enterprises

#-Loans 6,157 253 92

Avg.

Loan*

Ps.20,000 1.6 MMxp 16.8 MMxp

Avg.

Term

23 months 37 months 38 months

Avg.

Rate

64.0% 11.6% 9.3%

Guarantees No Guarantor/Solidary

Obligor/Nafin

Guarantor/ Solidary

Obligor/Nafin

Source: Banco Famsa

SME´s13%

Microcredits3%

Corporate57%

Others27%

2Q16

Commercial Loans Portfolio Mix

SME´s 11%

Microcredits 3%

Corporate 65%

Others 21%

2Q15

3,392

3,7243,898

4,198

3,675

2Q15 3Q15 4Q15 1Q16 2Q16

Comercial Loans

+8.3%

(Millions of MXP)

2.3%2.0% 2.1%

2.5% 2.3%

12

2.4%1.3%

4.0%

1.0%

0.4%2.7%

3.4%1.3%

-3.9%

-6.8%

1Q

14

2Q

14

3Q

14

4Q

14

1Q

15

2Q

15

3Q

15

4Q

15

1Q

16

2Q

16

5. Famsa USA

Same Store Sales (SSS)*

50.7% 50.9%

12.9%12.2%14.3%11.7%7.5%11.6%5.6%

5.8%517

592

2Q15 2Q16

Sales by product mix

0%

10%

20%

30%

40%

50%

2Q

15

3Q

15

4Q

15

1Q

16

2Q

16

Personal Loans sales growth by quarter

51.3% 52.2%

13.0%12.3%15.0%11.4%7.7%

11.9%4.8%

5.1%3.3%

5.0%990

1,154

YTD 15 YTD 16

Computers

Others

Famsa to Famsa

Personal Loans

Electronics

Appliances

Furniture

F to F

14.5%16.6%

Personal Loans drove the sales performance in 2Q16

*% variations are referenced to figures in US dollars.

(Millions of MXP)

13

18,359 19,742

6,9067,986

25,26527,728

4Q15 2Q16

Net debt

Bank deposits

2,453 2,582

4Q15 2Q16

15,973 17,959

4,0093,585

2,6242,771

22,606 24,314

4Q15 2Q16

Consumer USA

Commercial MX

Consumer MX

6. Financial Position Items

Net debt & bank deposits

-4.7%

5.7%

1.2%2.8%

Trade receivables

Inventories Stockholders’ equity

11.6%

2.8%

8,141 8,579

4Q15 2Q16

7.6%9.7%

5.3% 5.4%

2Q16 trade receivables rose in tandem with Net Sales growth

(Millions of MXP) (Millions of MXP)

(Millions of MXP) (Millions of MXP)

14 6. Financial Position Items: Debt Structure

6.4%

67% 67%

25%23%

8%10%

27,460 29,422

4Q15 2Q16Bank Deposits Debt Certificates** Credit Lines

57% 51%

20% 26%

23% 23%

4Q15 2Q16

Foreign Debt Credit Lines Debt Certificates

9,101 9,680

Debt Profile(Millions of MXP)

Debt Maturity Profile(Millions of MXP)

Funding Sources(Millions of MXP)

** Includes local notes and foreign senior notes.

7.1%

946 1,260

1,929

588

318 4,632

2016 2017 > 2018Foreign Debt Credit Lines Debt Certificates

5,220

1,267

7

3,193

15 Note on Forward-Looking Statements

This presentation contains, or may be deemed to contain, forward-looking statements. By their

nature, forward-looking statements involve risks and uncertainties because they relate to events

and depend on circumstances that may or may not occur in the future. The future results of

Grupo Famsa, S.A.B. de C.V. and its subsidiaries may differ from the results expressed in, or

implied by, the forward-looking statements set out herein, possibly to a material degree.

16

Investor

Relations

Paloma Arellanopaloma.arellano@famsa.com

+52 (81) 8389 3405

ContactWe have a strong commitment to keeping you updated. Please do not hesitate to contact us.