3Q15 Earnings Presentation

2

Highlights.…….………….…...................... 3

Agenda

Famsa Mexico……..……..………. 6

Banco Famsa..………………….... 7

Famsa USA..………….…….…….. 10

Financial Position Items……....……....... 11

Consolidated Results.………..….…... 4

1

2

3

4

5

6

3Q15

3 1. Highlights

Strong growth in Consolidated Net Sales of10.8% YoY in 3Q15

Solid increase in Consolidated EBITDA, of16.5% YoY in 3Q15

YTD results are on track to achieve the full-year 2015 Guidance, after posting a solid 3Q15 performance

2015MX

Lowest NPL Ratio figure of last 3 yrs. As ofSeptember 30, 2015 it decreased to 10.4%

Bank deposits posted a double digit growthrate, achieving a 12.1% increase YoY as ofSeptember 30, 2015

USA

SSS growth trends above 2015 Guidance’sfigure. 8.0% YoY rise in 3Q15, contributed toYTD 15 growth (+8.7% YoY)

Motorcycles, Furniture and Appliancesboosted this quarters’ sales

US dollar denominated SSS of Famsa USArose up 3.4% YoY during the 3Q15

Personal Loans outstands as a solid driverof growth, in 3Q15 increased 32.3% YoY

T H I R D Q U AR T E R

4

5.2%

2.4% 2.4%

-2.3%-1.1% -1.1%

6.3%8.8%

7.1%

3Q13

4Q13

1Q14

2Q14

3Q14

4Q14

1Q15

2Q15

3Q15

FAMSA

ANTAD

88.0% 86.6%

12.0%13.4%3,5983,987

3Q14 3Q15

88.0% 86.9%

12.0%13.1%10,464

11,622

YTD 14 YTD 15

Famsa USA

Famsa MX

432 447

64 6636 4110 7542 561

3Q14-m2* 3Q15-m2*

To be convertedbranches

Bankingbranches

Stores USA

Stores MX

363 375

25 26

352 402

139 100879 903

3Q14-U. 3Q15-U.

10.8%

11.1%

3.5%2.7%

(Millions of MXP)

Net Sales by country Net Sales by product mix(Millions of MXP)

Same Store Sales (SSS)

2. Consolidated Results

Business-units Retail-area

*m2 in thousands.

Net Sales recorded double digit growth as SSS increased

21.4% 17.5%

14.4% 15.5%11.6% 10.2%12.8% 12.8%10.8%

10.0%7.0%7.0%5.0%3.8%17.0%

23.1%

3Q14 3Q15

21.6% 19.2%

14.9% 16.0%12.7% 10.5%13.0% 13.2%10.6% 10.0%6.4% 6.0%4.9% 3.7%15.9%

21.4%

YTD 14 YTD 15

Others

Computers

Motorcycles

Mobile Phones

Appliances

Electronics

Furniture

Personal Loans

5

342 402

994 1,214

31 32

94

102

373 434

1,088

1,316

3Q14 3Q15 YTD 14 YTD 15

USA

MX10.4%

10.4%

11.3%

1,508 1,630

4,388 4,788

190 261

564734

1,698 1,891

4,9525,522

3Q14 3Q15 YTD 14 YTD 15

USA

MX

9537

322 249

3Q14 3Q15 YTD 14 YTD 15

47.2%

47.3%

247 422

601

942

3Q14 3Q15 YTD 14 YTD 15

47.4%

47.5%

11.4%

11.5%

-60.9%

-22.6%

16.5%

20.9%

10.6%

6.9%

5.7%

8.1%

2.6%0.9%

3.1%2.1%

10.9%

56.8%

70.6%

2. Consolidated Results

(Millions of MXP)(Millions of MXP)Gross Profit EBITDA

(Millions of MXP)(Millions of MXP)Financial Expenses, net Net Income*

3Q15 shows significant improvement in Gross Profit and EBITDA

*3Q15 Net Income (NI) was impacted by a Ps.222 million non-cash foreign exchange (FX) loss. Adjusting by FX loss, NI amounted to Ps.259 millon in 3Q15 vs. Ps.151 millon in 3Q14.

6

6.7%

3.8%

-2.8%-5.7%

-1.5% -1.4%

7.5% 10.0% 8.0%

3Q13

4Q13

1Q14

2Q14

3Q14

4Q14

1Q15

2Q15

3Q15

23.2% 18.8%

12.7% 12.9%11.0% 9.6%12.2% 11.6%9.9% 10.1%7.8%

8.0%5.0% 3.8%18.1%25.1%3,1533,428

3Q14 3Q15

-20%

-15%

-10%

-5%

0%

5%

10%

Com

pute

rs

Per

sona

l Loa

ns

Ele

ctro

nics

Mob

ile P

hone

s

App

lianc

es

Furn

iture

Mot

orcy

cles23.7% 20.8%

13.0% 13.3%12.1% 9.9%12.0%

11.5%10.1%

10.7%7.2%6.9%5.0%3.8%16.9%23.2%

9,13310,018

YTD 14 YTD 15

Others

Computers

Motorcycles

Furniture

Mobile Phones

Electronics

Appliances

Personal Loans

8.7%

9.7%

Same Store Sales (SSS)

3. Famsa Mexico

Same Store Sales (SSS)

Sales by product mix Sales growth by product category 3Q15(Millions of MXP)

Motorcycles, Furniture and Appliances continued to deliver solid growth

7

14,992 15,266 15,506 15,747 16,405

3Q14 4Q14 1Q15 2Q15 3Q15

14,721 14,752 15,492 15,707 16,500

3Q14 4Q15 1Q15 2Q15 3Q15

4. Banco Famsa

9.4%

12.1%

4.8%4.7% 4.4% 4.4% 4.2%

Famsa card, credit cards, microcredits, SMEs,

Fovisste, enterprises,Credinero and

Prendinero

Deposits

e-Banking, ATMs, payroll, TPV’s,

remittances, moneyorders and insurance

Savings, payroll, checks

and investments

Services

Loans

Bank Deposits grew 12.1% year over year, reaching $16,500 MXP as of September 30, 2015

(Millions of MXP)Bank Deposits

Portfolio of Loans*(Millions of MXP)

*Gross Balance

8 4. Banco Famsa

16.2%15.6%

14.8%14.2% 14.5% 14.9%

13.3%12.6% 12.6%

11.9%11.0% 10.7% 10.4%

Sep

´14

Oct

'14

Nov

'14

Dec

'14

Jan'

15

Feb'

15

Mar

´15

Apr

´15

May

´15

Jun´

15

Jul´1

5

Aug

´15

Sep

´15

12.40% 12.30%

3Q14 3Q15

Capitalization Index (ICAP)

74.0% 86.0%

22.0%

11.0%4.0%

3.0%2,691

3,873

3Q14 3Q15

Microcredits

SMEs

Enterprises5.1% 2.0%

IMOR - Commercial

43.9%

Commercial Loans Portfolio

The NPL ratio stabilizes further towards lower levels

(Millions of MXP)

Non-Performing Loans Ratio (NPL)*

*Includes credits discounted by payrollSource: Banco Famsa

9 4. Banco Famsa

1

2

3

6

5

4

Deployment of diverse campaigns to expand our current base of deposits

through greater advertising of our attractive yields of return

Enhancement of our technological and human platform with state-of-

the-art software and better backoffice procedures

Platformenhancement

Higher share of SME loans and enhancement of retail loans’ profile

Portfolio management

Higher use of filters and tools (credit bureau, investigation, data bases, etc.) to achieve an adequate credit risk profile

Control in origination

Greater deployment of collectors and process enhancement in guarantees execution and guarantors selection

Better collection

Wider portfolio (insurance, e-Banking, money orders, etc.) to obtain higher sales

Upsaleof services

Base of deposits

The punctual execution of these strategies is oriented to maximize Banco Famsa’s potential by taking advantage of

Grupo Famsa’s positioning and brand awareness in its legacyretail business.

We have defined a clear and concise strategy to strengthen Banco Famsa’s operation and profits

10

-3.7%

-7.0%

2.4%1.3%

4.0%

1.0%0.4%

2.7%3.4%

3Q13

4Q13

1Q14

2Q14

3Q14

4Q14

1Q15

2Q15

3Q15

49.9%50.4%

16.3%

14.3%13.5%

12.4%7.1%

9.2%

4.8%

3.7%

3.0%

3.9%

5.3%

6.2%418

533

3Q14 3Q15

-20%-15%-10%-5%0%5%

10%15%20%25%

Com

pute

rs

Ele

ctro

nics

App

lianc

es

Furn

iture

Fam

sa to

Fam

sa

Per

sona

l Loa

ns50.4%51.0%

16.8%14.8%13.0%

12.8%6.7%

8.2%4.7%

3.4%3.6%

4.5%

4.9%

5.4%1,265

1,523

YTD 14 YTD 15

Others

Famsa to Famsa

Computers

Personal Loans

Appliances

Electronics

Furniture

F to F

27.4%

20.4%

5. Famsa USA

Sales by product mix Sales growth by product category (3Q15)*(Millions of MXP)

Same Store Sales (SSS)*

Personal Loans and Famsa to Famsa delivered the strongest results during 3Q15

*Figures in US dollars.

11 6. Financial Position Items

10.1% 11.6%

-4.7%

5.7%2.9% 3.3%

1.2%2.8%5.2%

11.6%

2.8%

18,386 19,832

2,9123,8732,1052,61223,402

26,317

4Q14 3Q15

Consumer USA

Commercial MX

Consumer MX

14,752 16,500

5,9387,537

20,69024,037

4Q14 3Q15

Net debt

Bank deposits

2,1212,487

4Q14 3Q15

10,280 10,739

4Q14 3Q15

+12.5%+16.2%

+17.2%

+4.5%

Trade receivables(Millions of MXP)

Net debt and bank deposits(Millions of MXP)

Inventories Stockholders’ equity(Millions of MXP) (Millions of MXP)

3Q15 Trade receivables’ growth is in line with Net Sales’

12

135 685

4,225

1,697 240

2901,495

2015 2016 2017-older

Foreign Debt Credit lines Debt Certificates

6. Financial Position Items: Debt structure

61% 58%

17% 22%22%

20%7,796

8,767

4Q14 3Q15Foreign Debt Credit lines Debt Certificates

24% 28% 48%

Debt profile

Debt maturity schedule

Our indebtedness, expressed in Mexican pesos, has increased in tandem with the exchange rate

12.5%

2,122 2,420

4,225

Wider sources of funding

Higher capacity of indebtedness

Optimal liability management BAF

Lower fundingcost

Funding strategy(Millions of MXP)

Funding Sources

65% 65%

28% 26%7%

9%22,54825,267

4Q14 3Q15Bank Deposits Debt Certificates Credit Lines

13 Note On Forward - Looking Statements

This presentation contains, or may be deemed to contain, forward-looking statements. Bytheir nature, forward-looking statements involve risks and uncertainties because they relateto events and depend on circumstances that may or may not occur in the future. The futureresults of Grupo Famsa, S.A.B. de C.V. and its subsidiaries may differ from the resultsexpressed in, or implied by, the forward-looking statements set out herein, possibly to amaterial degree.

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InvestorRelations

Paloma Arellanopaloma.arellano@famsa.com

+52 (81) 8389 3405

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