4Q17

Earnings

Presentation

4Q17AGENDA

Operational Strategies ………..….…… 3

Famsa Mexico ………………………….. 5

Famsa USA …………………………..…. 7

Banco Famsa ……………………….….. .9

Consolidated Results…………….……. 13

Financial Position Items……….……… 18

2018 Guidance……………………………22

Operational Strategies

4

1. Strategies 2017: Initiatives

II.

Commercial

Network

I.

Operational

Front

II.

Financial

Front

a) Generation of high-quality revenue through a more robust credit authorization process

at each market (no centralization)

b) Expansion of customer base in Mexico by redefining the profile of target customers

c) Enhanced participation of clients from the formal sector of the economy

d) Strengthened the canvassing channel structure and operation

e) Optimization of the commercial network to generate operational efficiencies: Selective

closure of 5 stores, 13 banking branches and 20 pawnshop branches in Mexico; 4 stores

and 2 loan branches in the U.S.

IV.

Cost

Reduction

a) Continuous expansion of the bank deposits base through an extensive portfolio of

products and execution of marketing campaigns

b) Further strengthening of the financial structure. Achieved a lower level of

indebtedness, among other benefits, through the following initiatives:

• Settlement of short-term liabilities with most of the Ps.1,127 million received from the

monetization of assets in 2017 (more comfortable debt maturity profile)

• Use of the credit facility subscribed with Bancomext to amortize US$110 million of

our senior notes @ 2020 (lower exposure to exchange rate fluctuations)

Famsa Mexico

6

Contribution of Appliances stood out in 4Q17

2. Famsa Mexico

Sales by product mix

Same-Store Sales (SSS)

8.2%10.0%

6.9%

6.8%

10.3%

6.0%

2.6%

7.2%8.4%

4Q

15

1Q

16

2Q

16

3Q

16

4Q

16

1Q

17

2Q

17

3Q

17

4Q

17

Famsa MX

4,6665,067

4Q16 4Q17

Net Sales(MXP Million)

15,157 16,156

2016 2017

+ 8.6%

+ 6.6%

(Annual growth)

16.0% 19.0%

25.2% 22.8%

11.6% 11.7%

13.3% 13.3%

11.4% 11.8%

13.0% 11.7%

5.3% 6.0%4.2% 3.7%

0.00%

20.00%

40.00%

60.00%

80.00%

100.00%

120.00%

4Q16 4Q17

16.5%11.9%

26.5% 34.4%

10.6%10.0%

13.1%13.3%

11.9%11.4%

11.7% 9.7%

6.2% 6.4%3.5% 3.0%

0.0 0%

20. 00%

40. 00%

60. 00%

80. 00%

100 .00%

120 .00%

2016 2017

Computers

Motrocycles

Electronics

Mobile phones

Appliances

Furniture

Loans

Others

Famsa USA

8

4Q17 Famsa USA Net Sales in dollars decreased by 7.6% YoY, still affected by the negative outlook

for the Hispanic population in the U.S.

3. Famsa USA

Sales by product mix Net Sales (MXP Million)

563 514

2,265

1,843

4Q16 4Q17 2016 2017

MXP: - 8.6%

USD: - 7.6%

MXP: - 18.6%

USD: - 19.5%

50.7% 51.9%

11.8% 11.5%

12.3% 11.8%

14.2% 13.9%

4.1% 4.3%4.3% 4.0%2.6% 2.7%

0.0%

20.0%

40.0%

60.0%

80.0%

100.0%

120.0%

2016 2017

Computers

Others

Famsa to Famsa

Loans

Electronics

Appliances

Furniture

50.7% 51.9%

11.8% 11.5%

12.3% 11.8%

14.2% 13.9%

4.1% 4.3%4.3% 4.0%2.6% 2.7%

0.0 %

20. 0%

40. 0%

60. 0%

80. 0%

100 .0%

120 .0%

4Q16 4Q17

Banco Famsa

10

Bank deposits as of December 31, 2017 increased by 18.7% above 4Q16, amounting to Ps.24,994 million.

4. Banco Famsa

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

(MXP Million)

Bank Deposits

+ 18.7%

Funding Cost

21,063 21,675 23,295 24,491 24,994

4Q16 1Q17 2Q17 3Q17 4Q17

4.5%5.5% 5.9% 6.3% 6.5%

11%

16%

73%

4Q16

Demand Deposits

Opnl Availability

Time Deposits

11%

13%

76%

4Q17

Demand Deposits

Opnl Availability

Time Deposits

Bank Deposits Mix

11

PYME Microcredit Empresarial Others Financial

4. Banco Famsa

4,0044,483 4,537

4,843 4,959

4Q16 1Q17 2Q17 3Q17 4Q17

+ 23.9%

*Gross Balance

Source: Banco Famsa

Portfolio of Loans*(MXP Million)

Commercial NPL ratio

14% 3%

54%

17%

12%

4Q16

11%

53%

17%

19%

4Q17

Portfolio of Loans Mix

2.1% 1.8% 0.9% 0.9% 1.5%

12

9.8%

8.7%9.1%

8.8%8.5% 8.5% 8.3% 8.3% 8.4%

Dec'15 Mar'16 Jun'16 Sep'16 Dec'16 Mar'17 Jun'17 Sep'17 Dec'17

Non-performing Loans Ratio (NPL)**

**Includes credits discounted by payroll

Source: Banco Famsa

4. Banco Famsa

The Non-Performing Loans ratio (NPL) ended at 8.4%, decreasing 10 bps. vs 4Q16, given the

strengthening of our credit base

Consolidated Results

14

89.3% 90.8%

10.7%9.2%

5,2675,614

4Q16 4Q17

87.1% 89.8%

12.9% 10.2%

17,54418,117

2016 2017

Famsa USA

Famsa MX

Net Sales increased by 6.6% year over year in 4Q17

5. Consolidated Results – Net Sales

* Excluding exchange rate effect

* Mexican Pesos

Same Store Sales (SSS)

2016 2017

Total +6.2% +4.0%

Famsa Mexico +8.2% +6.3%

Famsa USA*(7.5%) (17.0%)

Net Sales by country(MXP Million)

+ 6.6%

+ 3.3%

15

5. Consolidated Results – Net Sales

Net Sales by product mix

- 4.2%

Business-units Retail-area

452 448

66 584 3

40 384 2

567 549

4Q16-m2* 4Q17-m2*

PawnshopBranches

BankingBranches

PL USABranches

StoresUSA

Stores MX380 377

26 2228 26

399 391

5333

886 849

4Q16 4Q17

- 3.1%

*m2 in thousands.15.5% 11.6%

24.8% 32.4%

15.9%14.0%

13.0% 13.2%

10.4% 10.2%

11.6% 9.9%

5.4% 5.7%3.4% 3.0%

2016 2017

Computers

Motorcycles

Electronics

Mobile Phones

Appliances

Furniture

Loans

Others15.1% 18.0%

24.0% 22.0%

15.8% 15.4%

13.2% 13.1%

10.2% 10.8%

12.9% 11.7%

4.8% 5.5%4.0% 3.6%

4Q16 4Q17

16

5. Consolidated Results

1,7542,123

6,7387,176

216229

1,081839

1,9702,352

7,8198,015

4Q16 4Q17 2016 2017

Famsa USA Famsa MX*

+ 19.4%

44.2%44.6%

37.4% 41.9%

Gross Profit(MXP Million) + 2.5%

*Includes other segments and intercompanies

260 298

927

1,103

4Q16 4Q17 2016 2017

+ 14.4%

6.1%

+ 19.0%

(MXP Million)

Financial expenses(1)

5.3%

5.3%4.9%

(1) Financial expenses = Interest paid

17

14

506

1,114

1,703

170

-35

297

-75

184

471

1,411

1,628

4Q16 4Q17 2016 2017

Famsa USA Famsa MX*

9.0%8.0%

+ 15.4%

+ 156.5%

(MXP Million)

8.4%3.5%

EBITDA

5. Consolidated Results

*Includes other segments and intercompanies

2.0% 1.0%

346

188

2016 2017

-1.9% -9.5%

-99

-534

4Q16 4Q17

Net Income(MXP Million)

- 45.8%

- 438.7%

Financial Position Items

19

19,58322,559

3,6914,3602,6192,181

25,89329,100

4Q16 4Q17

Consumer USA

Commercial MX

Consumer MX

Trade receivables

2.8%

+ 12.4%(MXP Million)

6. Financial Position Items

2,239 2,209

315 266

2,554 2,475

4Q16 4Q17

Famsa USA

Famsa MX

- 3.1%

Inventories(MXP Million)

8,315 8,543

4Q16 4Q17

+ 2.7%

Stockholders’ equity(MXP Million)

21,06324,994

8,4977,383

29,560 32,377

4Q16 4Q17

Net Debt

Bank Deposits

Net debt & bank deposits(MXP Million) + 9.5%

20

1,437

1,146

250

3,083

299

2,811

2018 2019 >2020

Debt Securities Credit Lines Foreign Debt

20% 16%

25%52%

55%32%

10,001 9,026

8,400 8,600 8,800 9,000 9,200 9,400 9,600 9,800 10,000 10,200

0%

20%

40%

60%

80%

100%

120%

4Q16 4Q17Debt Securities Credit Lines Foreign Debt

- 9.7%

6. Financial Position Items: Debt Structure

Debt Profile(MXP Million)

Debt Maturity Schedule(MXP Million)

68% 73%

23% 12%

9% 15%

31,064 34,020

29,000

30,000

31,000

32,000

33,000

34,000

35,000

0%

20%

40%

60%

80%

100%

120%

4Q16 4Q17

Bank Deposits Debt Securities* Bank Loans

+ 9.5%

Funding Sources(MXP Million)

* Includes local notes and foreign senior notes.

21

44%

56%4Q16

6. Financial Position Items: Debt Structure

Debt Profile: By Currency

66%

34%

4Q17

MXP USD

Debt Profile: By Interest Rate

55%

45%4Q16

35%

65%

4Q17

Fixed Rate Floating Rate

2018

Guidance

23

7. 2018 Guidance

20172018 Guidance

(Low Range)

YoY

Growth

(∆%)

2018 Guidance

(High Range)

YoY

Growth

(∆%)

Consolidated Net Sales $18,117 $19,839 +9.5% $20,004 +10.4%

Consolidated EBITDA $1,628 $1,850 +13.6% $1,950 +19.8%

EBITDA Margin 9.0% 9.3% +0.3 p.p. 9.7% +0.7 p.p.

Same-Store Sales

Famsa Mexico +6.5% +9.4% +10.4%

Famsa USA USD (19.7%) +11.8% +13.8%

(MXP Million)

24

The material presented below contains certain general information to date regarding Grupo Famsa, S.A.B. Of C.V. (Collectively, "Famsa Group" or the

"Company"). The information is showed as a summary form and is not intended to be complete. There is no representation or warranty, express or

implied, regarding the accuracy, impartiality or integrity of this information.

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.

We warn that an important number of factors could cause that the actual results to differ from the plans, targets, expectations, estimates and intentions

expressed in this presentation. In no event shall neither the Company nor any of its affiliates, directors, officers, agents or employees be liable to third

parties for any investment or business decision made or for the actions taken based on the information and statements contained in this presentation.

The market-related information and the competitive position of Grupo Famsa, including the market estimates used throughout this presentation were

obtained from reliable public sources and the Company assumes no obligation as to the accuracy of said disclosure. information.

This presentation and its contents are the property of the Company and may not be reproduced or distributed in whole or in part without the prior written

consent from Grupo Famsa. Whoever receives this presentation, must comply with the applicable legal provisions and must obtain each and every one of

the authorizations that apply to him. Neither the Company nor any of its affiliates, directors, officers, agents or employees shall be liable to third parties for

such provisions.

All the relevant information of the issuer, in particular that relating to risk factors, is contained in the annual report of Grupo Famsa for fiscal year 2016 and

in the other reports disclosed by the Company, which can be found in the websites of The Mexican Stock Exchange www.bmv.com.mx and

www.grupofamsa.com.

Note on Forward-Looking Statements

Investor Relations

Paloma Arellano

paloma.arellano@famsa.com

+52 (81) 8389 3405

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