2

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

Agenda

Famsa Mexico……..……….……………. 6

Banco Famsa..……………………............ 7

Famsa USA…..………………......……........... 11

Consolidated Results………..………………. 4

1

2

3

4

5

1Q16

Financial Position Items…………….....……........... 126

3 1. Highlights

Marketing 1

Double-digit growth in Consolidated Net Sales

of 12.0% YoY during 1Q16

Consolidated EBITDA remained almost

unchanged vs. 1Q15, amounting to Ps.419

million

Solid Consolidated Net Sales growth during 1Q16

2016MX

Expansion in the origination of payroll credit,

anticipating a higher participation of clients in

the formal economy

Non-performing Loans (NPL) Ratio was 8.7% as

of March 31, 2016, 460 bps. below than that

recorded in 1Q15 (13.3%)

USA

Total Sales growth trend continued in 1Q16,

increasing by 10.9% YoY in 1Q16

Electronics and Motorcycles‘ contribution

stands out in the sales mix of the quarter

MXP denominated Net Sales increased by 18.9%

YoY in 1Q16

EBITDA in MXP boosted from Ps.30 million in

1Q15 to Ps.44 million during 1Q16

F I R S T Q U AR T E R

4 2. Consolidated Results

2.4% 2.4%

-2.3%

-1.1%

-1.1%

6.3%

8.8%

7.1%

10.0% 10.7%

4Q

13

1Q

14

2Q

14

3Q

14

4Q

14

1Q

15

2Q

15

3Q

15

4Q

15

1Q

16

FAMSA

ANTAD

Business-units Retail-area

Net Sales by product mix

Same Store Sales (SSS)

Net Sales by country(Millions of MXP)

86.6% 85.8%

13.4%14.2%

3,5303,953

1Q15 1Q16

Famsa USA

Famsa MX

12.0%

Net Sales recorded a double-digit annual increase in 1Q16 driven by the sale of durable goods

(Millions of MXP)

440 449

66 6641 41

556 566

1Q15-m2* 1Q16-m2*

To be converted branches

Banking branches

PL USA Branches

Stores USA

Stores MX

371 377

26 2616 28

402 401

102 88917 920

1Q15 1Q16

0.3% 1.8%

*m2 in thousands.

17.4% 19.9%

21.2%20.3%

17.1%16.5%

13.3%12.6%10.2%9.6%11.4%,

12.3%, 4.8%,

5.5%, 4.6%

3.3%

1Q15 1Q16

Computers

Motorcycles

Electronics

Mobile Phones

Appliances

Furniture

Loans

Other

5

11.9% 10.6%

421 419

1Q15 1Q16

Famsa USA

Famsa MX

2.6% 4.0%

93

158

1Q15 1Q16

48.6% 47.3%

1,7141,871

1Q15 1Q16

Famsa USA

Famsa MX

(Millions of MXP)Gross Profit

(Millions of MXP)(Millions of MXP)Financial expenses, net Net Income

7.7% 4.2%

271

167

1Q15 1Q16

(Millions of MXP)EBITDA

-38.6%

+9.2%

2. Consolidated Results

Consolidated EBITDA remained flat vs. 1Q15 due mainly to an intensive promotional campaign in Mexico

+69.4%

-0.5%

6 3. Famsa Mexico

3.8%

-2.8%-5.7% -1.5%-1.4%

7.5%10.0%

8.0%

11.5%

10.0%

4Q

13

1Q

14

2Q

14

3Q

14

4Q

14

1Q

15

2Q

15

3Q

15

4Q

15

1Q

16

Same Store Sales (SSS)

Sales by product mix Sales growth by product category (1Q16)

Electronics and Motorcycles posted the most dynamic results in 1Q16

(Millions of MXP)

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

10%15%20%25%30%

Co

mp

ute

rs

Fu

rnit

ure

Pers

on

al L

oa

ns

Ap

plia

nce

s

Mo

bile

Ph

on

es

Mo

torc

yc

les

Ele

ctr

on

ics

23.5% 21.6%

13.4% 12.6%

10.7% 12.5%11.8%

11.2%11.6%

10.4%5.5%6.4%4.6%3.5%18.8%

21.7%3,032

3,364

1Q15 1Q16

Others

Computers

Motorcycles

Furniture

Mobile Phones

Electronics

Appliances

Personal Loans

+10.9%

7 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

Platform enhancement

Higher share of SME loans and

enhancement of retail loans

profile

Portfolio management

Greater 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 the

execution of guarantees and the

selection of guarantors

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

legacy retail business.

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

8 4. Banco Famsa

Bank deposits grew by 20.1% YoY, reaching Ps.18,611 million in 1Q16

Demand deposits

10%

Opnl Availability

20%

Time Deposits70%

1Q15

Demand deposits

12%

Opnl Availability

21%

Time Deposits

67%

1Q16

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

15,491 15,70716,501

18,359 18,611

1Q15 2Q15 3Q15 4Q15 1Q16

4.4% 4.4%4.2% 4.1% 4.2%

Bank Deposits

9 4. Banco Famsa

15.7%17.6%

16.2%14.2% 13.3%

11.9%10.4% 9.8%

8.7%

Ma

r'14

Ju

n'1

4

Sep

'14

Dec'1

4

Ma

r'15

Ju

n'1

5

Sep

'15

Dec'1

5

Ma

r´16

Non-performing Loans Ratio (NPL)**

*Gross Balance

**Includes credits discounted by payroll

Source: Banco Famsa

Portfolio of Loans*

The NPL continued its declining trend, falling to 8.7% as of March 31, 2016

15,506 15,74716,405

17,215 17,822

1Q15 2Q15 3Q15 4Q15 1Q16

14.9%(Millions of MXP)

Consumer79%

Commercial21%

1Q15

Consumer76%

Commercial24%

1Q16

Portfolio of Loans Mix

10 4. Banco FamsaThe Commercial Loans Portfolio rose by 27.7% YoY

Microcredits SMEs Enterprises

#-Loans 5,385 281 94

Avg.

Loan*

Ps.22,000 1.6 MMxp 30.75 MMxp

Avg.

Term

23 months 37 months 38 months

Avg.

Rate

64.0% 10.5% 7.3%

Guarantees No Guarantor/Solidary

Obligor/Nafin

Guarantor/ Solidary

Obligor/Nafin

Source: Banco Famsa

SME´s36%

Microcredits3%

Corporate44%

Others17%

1Q16

Commercial Loans Portfolio Mix

SME´s 49%

Microcredits 3%

Corporate 27%

Others 21%

1Q15

3,2863,392

3,7243,898

4,198

1Q15 2Q15 3Q15 4Q15 1Q16

Comercial Loans

+27.7%

(Millions of MXP)

3.1%

2.3%2.0% 2.1%

2.5%

11

-7.0%

2.4%1.3%

4.0%

1.0%

0.4%2.7%

3.4%1.3%

-3.9%

4Q

13

1Q

14

2Q

14

3Q

14

4Q

14

1Q

15

2Q

15

3Q

15

4Q

15

1Q

16

5. Famsa USA

Same Store Sales (SSS)*

Sales by product mix Sales growth by product category (1Q16)*

52.7%53.5%

12.3%

12.4%5.7%

12.2%16.1%

11.1%4.0%

4.4%

3.8%

4.4%

4.7%

2.0%

473

562

1Q15 1Q16

Computers

Famsa to Famsa

Others

Electronics

Personal Loans

Appliances

Furniture

F to F

18.9%

Personal Loans Sales performed as top drivers, posting a 48.2% growth YoY in 1Q16

*% variations are referenced to figures in US dollars.

(Millions of MXP)

-50%

-30%

-10%

10%

30%

50%

Co

mp

ute

rs

Ele

ctr

on

ics

Ap

plian

ces

Fu

rnit

ure

Fa

ms

a t

oF

am

sa

Pe

rso

nal

Lo

an

s

12

18,359 18,611

6,906 8,111

25,265 26,722

4Q15 1Q16

Net debt

Bank deposits

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%

+4.7%(Millions of MXP) (Millions of MXP)

(Millions of MXP) (Millions of MXP)

+5.8%

2,4532,727

4Q15 1Q16

+11.2%

8,141 8,299

4Q15 1Q16

+1.9%

15,972 16,879

4,009 4,2302,624 2,55022,605 23,659

4Q15 1Q16

Consumer USA

Commercial MX

Consumer MX

13 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.

14

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.