4Q16 Earnings Presentation

2 Agenda

Famsa Mexico……..……………………….…...…. 9

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

Banco Famsa.…………………….….……..……….13

Consolidated Results and Financial Position Items..………...….........................................................16

Consolidated Results………..………………..………62

3

4

5

6

4Q16

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

2017 Guidance…………..………...…......................................22 7

Recent Developments

4 Recent Developments

Management and Payment Source Trust (MPST): towards a cession of rights, to properlycontribute the collection of future incomes from the leases of certain properties.

Guarantee Trust (GT): contribute the real state properties whose value will add to theguaranteed amount of collection rights.

Progress on liquidity initiatives

Establishment of trusts

Monetization of Guarantee:

Buy-sell transactions of 8 properties in process of titling, jointly amounting to Ps.570million expected proceeds.

7 buy-sell transactions in final stage of negotiation, which jointly reach Ps.805 million.

5 Employees 2015 - 2016

18,396 18,715

17,77117,088 17,039

721705

691

648 628

19,11719,420

18,462

17,736 17,667

4Q15 1Q16 2Q16 3Q16 4Q16

Famsa USA

Famsa MX

-9.0%

-0.4%

-7.6%

-4.0%

Consolidated Results

7

377 380

26 2628 28

400 399

88 53

4Q15 4Q16

Consolidated Results

Business-units Retail-area

Net Sales by product mix

Same Store Sales (SSS)

Net Sales by country(Millions of MXP)

89.4% 89.6%

10.6%10.4%4,7555,391

4Q15 4Q16

87.6% 87.4%

12.4%12.6%

2015 2016

Famsa USA

Famsa MX

+13.4%

+10.1%

Net Sales grew by 13.4% YoY in 4Q16 contributing to the annual growth of 10.1% in 2016.

(Millions of MXP)

449 453

66 664 441 40

6 4

4Q15-m2* 4Q16-m2*

To be converted branchesBanking branchesBranches

Stores USA

Stores MX

-3.6%+0.1%

*m2 in thousands.

567566

16,377 18,039

17.4% 23.5%17.3%

15.4%14.9%

12.6%12.6%12.9%9.8%9.9%5.3%

4.6%4.4%

3.9%3.5%

3.4%0.7%

0.7%14.1%13.1%4,7555,391

4Q15 4Q16

19.3% 22.8%

16.4%15.4%

11.9%11.3%13.0%12.6%10.0%10.1%5.8%

5.3%3.9%3.3%

2.5%2.5%2.3%

2.3%14.9%14.4%16,377

18,039

2015 2016

Others

Seasonal Goods

Clothes

Computers

Motorcycles

Mobile Phones

Appliances

Electronics

Furniture

Personal Loans

919 8862015 2016

Total +7.7% +6.3%FamsaMexico +8.5% +8.9%

Famsa USA* +2.2% (11.3)%

* Excluding exchange rate effect

8 Consolidated Results

Performance in Net Sales of 10.1% were mainly driven by Personal Loans, Seasonal Goods, Mobile Phones, Electronics and Appliances.

0.6% 3.2% 4.2% 6.3% 8.2% 10.8% 13.5%

28.8%M

otor

cycl

es

Furn

iture

Elec

tron

ics

App

lianc

es

Clo

thin

g

Mob

ile P

hone

s

Seas

onal

goo

ds

Pers

onal

Loa

ns

Sales growth by product category (2016)

Famsa Mexico

10

18.5% 24.5%12.4%

11.3%15.0%12.6%12.8%13.0%11.2%11.1%

6.0%

5.2%4.6%

4.1%3.9%

3.8%0.8%

0.8%14.8%13.6%4,221

4,790

4Q15 4Q16

Famsa Mexico

Same Store Sales (SSS)

Sales by product mix

0.6%4.3% 6.6% 7.9% 8.2% 10.8% 13.5%

26.8%

Furn

iture

Mot

orcy

cles

App

lianc

es

Elec

tron

ics

Clo

thin

g

Mob

ile P

hone

s

Seas

onal

goo

ds

Pers

onal

Loa

ns

Sales growth by product category (2016)

13.6%

9.9%

Contribution of Personal Loans, Mobile Phones, and Electronics stood out in 2016.

(Millions of MXP)

-1.4%

7.5%10.0%

8.0%11.5% 10.0%

6.9% 6.8%

12.4%

4Q14

1Q15

2Q15

3Q15

4Q15

1Q16

2Q16

3Q16

4Q16

Famsa MXANTAD

20.9% 24.2%

11.2%10.2%

11.5%11.3%

13.1%12.7%

11.4%11.5%6.6%

6.1%4.0%3.4%2.9%

2.9%2.6%2.7%15.8%

15.0%14,23915,652

2015 2016

Others

Seasonal Goods

Clothes

Computers

Motorcycles

Mobile Phones

Appliances

Electronics

Furniture

Personal Loans

Famsa USA

12 Famsa USA

Sales by product mix(Millions of MXP)

504 563

2,027 2,265

4Q15 4Q16 2015 2016

MXP: +11.8%USD: -11.3%

MXP: +11.8%USD: -18.6%

Net Sales (Millions of MXP)

53.0% 50.7%

11.3% 11.8%13.5% 12.3%9.8%

14.2%4.9%4.1%4.4%

4.3%3.1%2.6%504

563

4Q15 4Q16

51.6% 51.6%

12.4%12.0%

14.4%11.3%

8.6%13.1%4.6%

4.6%5.1%

5.1%3.3%

2.3%2,027 2,265

2015 2016

Computers

Others

Famsa to Famsa

Personal Loans

Electronics

Appliances

Furniture

F to F

2016 Famsa USA Net Sales in USD decreased 11.3% YoY during 2016.

Banco Famsa

14

18,359 18,611 19,742 21,166 21,063

4Q15 1Q16 2Q16 3Q16 4Q16

Banco FamsaBank deposits as of December 31, 2016 increased by 14.7% above 4Q15, amounting to Ps. 21,063 million.

Demand deposits

10% Opnl Availability

19%

Time Deposits71%

4Q15

Demand deposits

11%

Opnl Availability

16%

Time Deposits73%

4Q16Bank 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

Bank Deposits +14.7%

4.1% 4.1% 4.1% 4.3% 4.5%

Funding Cost

15 Banco Famsa

14.2% 13.3%11.9%

10.4% 9.8% 8.7% 9.1% 8.8% 8.5%

Dec

'14

Mar

'15

Jun'

15

Sep'

15

Dec

'15

Mar

´16

Jun´

16

Sep´

16

Dec

´16

Non-performing Loans Ratio (NPL)**

*Gross Balance**Includes credits discounted by payrollSource: Banco Famsa

Portfolio of Loans*

The Non-Performing loans ratio (NPL) ended at 8.5% as of the close of 2016.

2.7%(Millions of MXP)Portfolio of Loans Mix

3,898 4,1983,618

4,169 4,004

4Q15 1Q16 2Q16 3Q16 4Q16

PYME11%

Microcredit3%

Empresarial68%

Others18%

4Q15

PYME14%

Microcredit3%

Empresarial54%

Others17%

Financiero12%

4Q16

2.1% 2.5% 2.3% 2.2% 2.1%

Commercial NPL ratio

Consolidated Results

17

-103

43149

488

214 260

755926

4Q15 4Q16 2015 2016

4.5%

1,373 2,066 6,162 7,050159 237

8931,102

1,5322,303

7,0558,152

4Q15 4Q16 2015 2016

Famsa USAFamsa MX

Consolidated Results

43.1%

Gross Profit

Financial expenses

EBITDA45.2%

+50.3%

+15.6%

32.2% 42.7%

(Millions of MXP)

(Millions of MXP)

(Millions of MXP)

Net Income +227.3%(Millions of MXP)

-2.2% 0.8%

0.9% 2.7%

4Q15 4Q16 2015 2016

470 513 1,685 1,613-116 -38 -15

89

354 475

4Q15 4Q16 2015 2016

Famsa USAFamsa MX

10.2% 9.4%

8.8%7.4%

1,670 1,702+34.2%

+1.9%

(Millions of MXP)

+22.8%

+21.7%

4.8%

4.6% 5.1%

Financial Position Items

19

18,359 21,063

6,9068,49725,26529,560

4Q15 4Q16

Net debt

Bank deposits

15,972 20,342

4,0093,6912,6253,03322,606

27,066

4Q15 4Q16

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 8,945

4Q15 4Q16

+19.7% +17.0%

+9.9%

(Millions of MXP) (Millions of MXP)

(Millions of MXP) (Millions of MXP)

11.6%

+4.1%

2,183 2,239

270 3152,453 2,554

4Q15 4Q16

Famsa USA

Famsa MX

20

+9.9%

23% 20%

20% 25%

57% 56%

4Q15 4Q16

Debt Certificates Bank Loans Foreign Debt

Financial Position Items: Debt Structure

67% 68%

25%23%8%9%27,460

31,064

4Q15 4Q16

Bank Deposits Debt Securities ** Bank Loans

9,101 10,001

Debt Profile(Millions of MXP)

Funding Sources(Millions of MXP)

** Includes local notes and foreign senior notes.

+13.1%

21

55%45%56%44%

Financial Position Items: Debt Structure

Debt Composition(Millions of MXP)

Debt by currency(Millions of MXP)

Debt Composition Short-term % Long-term % Total %Bank Loans 2,060 51.2% 874 14.6% 2,934 29.3%Debt Securities 1,966 48.8% 5,101 85.4% 7,066 70.7%

Total Gross Debt 4,026 100.0% 5,975 100.0% 10,001 100.0%

Debt by currency(Millions of MXP)

2017 Guidance

23 2017 Guidance

Real 2016 2017 Guidance(Low Range) ∆ (%) 2017 Guidance

(Upper Range) ∆ (%)

Consolidated Net Sales $18,039 $18,900 +4.8% $19,000 +5.3%

EBITDA $1,702 $1,850 +8.7% $1,920 +12.8%

EBITDA Margin 9.4% 9.8% +0.4% 10.1% +0.7%

Same Store Sales

Famsa Mexico +8.9% +4.5% +5.2%Famsa USA USD (11.3%) (7.0%) (7.0%)

24 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.

25

InvestorRelations

Paloma Arellanopaloma.arellano@famsa.com

+52 (81) 8389 3405

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