3Q16 Earnings Presentation

2 Agenda

Famsa Mexico……..……………………….……. 8

Famsa USA..…….………………...................... 10

Banco Famsa.…………………….….……………...12

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

Consolidated Results………..……….....……6 & 152

3

4

5

6

3Q16

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

Recent Developments

4 Recent Developments

Mr. Roberto Gutierrez GarciaIndependent Director and Chairman of the Audit Committee

Mr. Jorge Luis Ramos SantosChairman of the Corporate Practices Committeee

KPMG - External Auditor

Grupo Famsa

Mr. Jose Luis Ochoa BautistaChairman of the Board

Mr. Roberto Gutierrez GarciaIndependent Director and Chairman of the Audit Committee

Banco Famsa

5 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

OthersComputersMotorcyclesMobile PhonesAppliancesElectronicsFurniturePersonal Loans

Consolidated Results

-1.1% -1.1%

6.3%8.8%

7.1%

10.0% 10.7%

5.1%4.0%

3Q14

4Q14

1Q15

2Q15

3Q15

4Q15

1Q16

2Q16

3Q16

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%11,622 12,647

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

0100200300400500600700

3Q15-m2* 3Q16-m2*

To be converted branchesBanking branchesBranches

Stores USA

Stores MX

375 38026 2616 28

402 398

100 53919 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%3,428 3,680

3Q15 3Q16

-12%-7%-2%3%8%

13%

Mot

orcy

cles

Com

pute

rs

Furn

iture

Pers

onal

Loa

ns

Seas

onal

Goo

ds

App

lianc

es

Elec

tron

ics

Mob

ile P

hone

s

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%10,019

10,862

YTD 15 YTD 16

OthersComputersMotorcyclesFurnitureMobile PhonesElectronicsAppliancesPersonal 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%

3Q14

4Q14

1Q15

2Q15

3Q15

4Q15

1Q16

2Q16

3Q16

Famsa MXANTAD

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

ComputersOthersFamsa to FamsaPersonal LoansElectronicsAppliancesFurniture

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%

3Q15

4Q15

1Q16

2Q16

3Q16

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 Banco Famsa

16.2%14.2% 13.3%

11.9%10.4% 9.8% 8.7% 9.1% 8.8%

Sep'

14

Dec

'14

Mar

'15

Jun'

15

Sep'

15

Dec

'15

Mar

´16

Jun'

16

Sep'

16

Non-performing Loans Ratio (NPL)**

*Gross Balance**Includes credits discounted by payrollSource: 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 17,938

19,321

3Q15 4Q15 1Q16 2Q16 3Q16

17.8%(Millions of MXP)

Consumer77%

Commercial23%

3Q15

Consumer78%

Commercial22%

3Q16

Portfolio of Loans Mix

14

16,500 18,359 18,611 19,74221,166

3Q15 4Q15 1Q16 2Q16 3Q16

Banco FamsaBank 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

Availability17%

Time Deposits73%

3Q16Bank 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%

Consolidated Results

16

402 354 1,215 1,099 32 35

101 128

434 389

1,316 1,227

3Q15 3Q16 YTD 15 YTD 16

USAMX

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

USAMX

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)

38125

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%

Finacial Position Items

18

2,183 2,400

2703322,453

2,732

4Q15 3Q16

Famsa USA

Famsa MX

18,359 21,166

6,9067,87725,26529,043

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%

19

+10.2%

58% 54%

22% 26%20% 20%

3T15 3T16Foreign 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

20 Note on Forward-Looking Statements

This presentation contains, or may be deemed to contain, forward-looking statements. By theirnature, forward-looking statements involve risks and uncertainties because they relate to eventsand depend on circumstances that may or may not occur in the future. The future results ofGrupo Famsa, S.A.B. de C.V. and its subsidiaries may differ from the results expressed in, orimplied by, the forward-looking statements set out herein, possibly to a material degree.

21

InvestorRelations

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.