3Q16 Earnings Presentation

2 Agenda

Famsa Mexico……..……………………….……. 7

Famsa USA..………………………...................... 9

Banco Famsa.…………………….….……………... 11

Financial Position Items..………...….........................17

Consolidated Results………..………………..……52

3

4

5

6

3Q16

Recent Developments………..……………..………….31

Recent Developments

4 2. Recent Developments

Mr. Roberto Gutierrez Garcia

Independent Director and Chairman of the Audit Committee

Mr. Jorge Luis Ramos Santos

Chairman of the Corporate Practices Committeee

KPMG - External Auditor

Grupo Famsa

Mr. Jose Luis Ochoa Bautista

Chairman of the Board

Mr. Roberto Gutierrez Garcia

Independent Director and Chairman of the Audit Committee

Banco Famsa

5 2. Employees

18,372

19,11719,420

18,462

17,736

3Q15 4Q15 1Q16 2Q16 3Q16

-8.7%

1,684 job positions

-3.9%

-3.5%

Consolidated Results

7

20.2% 18.8%

16.0% 15.5%

10.6% 10.8%13.2% 12.6%10.0% 10.2%6.0%

5.6%3.7%3.0%

20.3%23.5%

11,622 12,647

YTD 15 YTD 16

Others

Computers

Motorcycles

Mobile Phones

Appliances

Electronics

Furniture

Personal Loans

Consolidated Results

-1.1%-1.1%

6.3%

8.8%

7.1%

10.0% 10.7%

5.1%4.0%

3Q

14

4Q

14

1Q

15

2Q

15

3Q

15

4Q

15

1Q

16

2Q

16

3Q

16

Business-units Retail-area

Net Sales by product mix

Same Store Sales (SSS)

Net Sales by country(Millions of MXP)

86.6% 87.1%

13.4% 12.9%3,987

4,254

3Q15 3Q16

86.9% 86.5%

13.1%13.5%

11,62212,647

YTD 15 YTD 16

Famsa USA

Famsa MX

+6.7%

+8.8%

Net Sales grew by 6.7% YoY in 3Q16.

(Millions of MXP)

447 453

66 662 4

41 407 4

0

100

200

300

400

500

600

700

3Q15-m2* 3Q16-m2*

To be converted branches

Banking branches

Branches

Stores USA

Stores MX

375 380

26 2616 28

402 398

100 53

919 885

3Q15 3Q16

-3.7%+0.5%

*m2 in thousands.

20.4% 19.4%

15.5% 14.6%10.3% 9.5%12.8% 12.4%10.0% 10.4%7.0% 5.8%

20.1% 24.7%3,987 4,254

3Q15 3Q16

567564

Famsa Mexico

9 Famsa Mexico

Same Store Sales (SSS)

Sales by product mix

22.2% 20.1%12.9% 12.5%9.7% 9.4%11.6% 12.0%10.1% 9.1%8.0% 6.7%

21.7% 26.9%

3,4283,680

3Q15 3Q16

-12%

-7%

-2%

3%

8%

13%

Mo

torc

yc

les

Co

mp

ute

rs

Fu

rnit

ure

Pe

rso

na

l L

oan

s

Se

aso

na

l G

oo

ds

Ap

plian

ce

s

Ele

ctr

on

ics

Mo

bil

e P

ho

nes

Sales growth by product category (3Q16)

22.0% 19.7%

13.3% 12.7%

9.9% 10.8%

11.5% 11.8%10.7% 9.8%6.9% 6.5%

22.0%25.6%

10,01910,862

YTD 15 YTD 16

Others

Computers

Motorcycles

Furniture

Mobile Phones

Electronics

Appliances

Personal Loans

7.3%

8.4%

Contribution of Electronics, Mobile Phones, and Appliances stood out in 3Q16, highlighting the incorporation

of Apple products in commercial offer.

(Millions of MXP)

-1.5%-1.4%

7.5%10.0%

8.0%

11.5%10.0%

6.9% 6.8%

3Q

14

4Q

14

1Q

15

2Q

15

3Q

15

4Q

15

1Q

16

2Q

16

3Q

16

Famsa MX

ANTAD

Famsa USA

11 Famsa USA

50.4% 51.4%

12.4% 11.5%14.3% 10.1%9.2% 14.6%3.9% 3.9%

533 548

3Q15 3Q16

Sales by product mix

51.0% 51.1%

12.8%11.9%

14.8%10.9%

8.2%13.0%4.5%

4.9%3.4%

5.8%1,523

1,702

YTD 15 YTD 16

Computers

Others

Famsa to Famsa

Personal Loans

Electronics

Appliances

Furniture

F to F

Net sales in MXP increased by 2.7% YoY in 3Q16, despite a weak consumption environment.

(Millions of MXP)

0%

10%

20%

30%

40%

50%

3Q

15

4Q

15

1Q

16

2Q

16

3Q

16

Personal Loans sales growth by quarter

533 548

1,523 1,702

3Q15 3Q16 YTD 15 YTD 16

MXP: +11.7%

USD: -8.6%

MXP: +2.7%

USD: +14.9

Net Sales (Millions of MXP)

Banco Famsa

13

16,50018,359 18,611 19,742

21,166

3Q15 4Q15 1Q16 2Q16 3Q16

Banco Famsa

Bank deposits as of September 30, 2016 were 28.3% above 3Q15 with 90.0% of term deposits,

amounting to Ps. 21,166 million.

Demand deposits

11%

Opnl Availability

21%

Time Deposits68%

3Q15

Demand deposits

10%

Opnl Availability

17%

Time Deposits73%

3Q16

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

4.2% 4.1% 4.2% 4.2% 4.3%

Bank Deposits

+28.3%

14 Banco Famsa

16.2%14.2% 13.3%

11.9%10.4% 9.8%

8.7% 9.1% 8.8%

Sep

'14

Dec'1

4

Ma

r'15

Ju

n'1

5

Sep

'15

Dec'1

5

Ma

r´16

Ju

n'1

6

Sep

'16

Non-performing Loans Ratio (NPL)**

*Gross Balance

**Includes credits discounted by payroll

Source: Banco Famsa

Portfolio of Loans*

The Non-Performing loans ratio (NPL) closed at 8.8%, 30 bps. below the 2Q16 due to the enhancement

of our credit base.

16,40517,215

17,822 17,93819,321

3Q15 4Q15 1Q16 2Q16 3Q16

17.8%(Millions of MXP)

Consumer77%

Commercial23%

3Q15

Consumer78%

Commercial22%

3Q16

Portfolio of Loans Mix

Consolidated Results

16

402 354 1,215 1,099

32 35

101128

434 389

1,316 1,227

3Q15 3Q16 YTD 15 YTD 16

USA

MX

11.3% 9.7%

1,630 1,685 4,788 4,984261 280

734 865

1,891 1,965

5,522 5,849

3Q15 3Q16 YTD 15 YTD 16

USA

MX

Consolidated Results

47.5%

422

260

942

733

3Q15 3Q16 YTD 15 YTD 16

Gross Profit

Financial expenses, net

EBITDA

46.2%

+3.9%

+5.9%

-10.3%

-6.7%

10.6%

6.1%

8.1%

5.8%

10.9% 9.1%

-22.2%

-38.3%

47.4% 46.2%

(Millions of MXP)

(Millions of MXP)

(Millions of MXP)

38

125

253

445

0

200

400

3Q15 3Q16 YTD 15 YTD 16

Net Income

+225.5%

+76.3%(Millions of MXP)

1.0%

2.9%

2.2%

3.5%

17

2,183 2,400

2703322,453

2,732

4Q15 3Q16

Famsa USA

Famsa MX

18,359 21,166

6,9067,877

25,26529,043

4Q15 3Q16

Net debt

Bank deposits

15,973 19,003

4,0093,9132,6242,88422,606

25,800

4Q15 3Q16

Consumer USA

Commercial MX

Consumer MX

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 8,789

4Q15 3Q16

+14.1% +15.0%

+8.0%

(Millions of MXP) (Millions of MXP)

(Millions of MXP) (Millions of MXP)

11.6%

+11.4%

18

+10.2%

58% 54%

22% 26%

20% 20%

3T15 3T16

Foreign Debt Credit Lines Debt Certificates

Financial Position Items: Debt Structure

67% 69%

25%22%8%9%27,460

30,828

4Q15 3Q16Bank Deposits Debt Certificates** Credit Lines

8,767 9,663

Debt Profile(Millions of MXP)

Debt Maturity Profile(Millions of MXP)

Funding Sources(Millions of MXP)

** Includes local notes and foreign senior notes.

+12.3%

4711,496

1,504383

590

352

4,868

2016 2017 > 2018Debt Certificates Credit Lines Foreign Debt

2,3271,879

5,458

19 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.

20

Investor

Relations

Paloma Arellanopaloma.arellano@famsa.com

+52 (81) 8389 3405

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