March 2019

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The following information contains or may be deemed to contain, “forward-looking

statements” (as defined by the U.S. Private Securities Litigation Reform Act of

1995). 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 the issuer may vary from the results

expressed in, or implied by, the following forward-looking statements, possibly to a

material degree. Grupo Elektra (“Elektra” or the “Company”) undertakes no

obligation to update or revise any forward-looking statements.

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Grupo Elektra in Grupo Salinas

Profile Company

Commercial Business

Financial Business

Financial Overwiew

Agenda

4

Grupo Salinas

90,000 direct employees

Presence across the Americas in Mexico, the US, El Salvador, Guatemala, Honduras, Panama and Peru

Consumer finance

and retail

Media Telecommunications Energy,

and other

Social responsibility

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Company Profile

Elektra, Banco Azteca and Italika

stores are recognizedas Socially

ResponsibleCompanies (ESR)**

Elektra, Banco Azteca and Italika

stores are recognizedas Socially

ResponsibleCompanies (ESR)**

elektra.com.mx

The best retaileCommercecompany*

elektra.com.mx

The best retaileCommercecompany*

82,600 direct

employees

82,600 direct

employees

68yearsoffering

consumerloans

Grupo Elektra is the leading financial services company and

specialty retailer in Latin America, and the largest non-bank

provider of cash advance services in the US

Close to seven decades of experience in consumer lending,

helping increase the purchasing power of millions of

families ignored by traditional banking system

Incorporated in the Sustainability Index of the Mexican

Stock Exchange (S&P/BMV IPC Sustentable) since 2013

*http://ecommerceaward.org/los-ganadores-del-ecommerce-award-mexico-2018/

**(ESR®) granted by Centro Mexicano para la Filantropía (Ceme) and Alianza por la Responsabilidad Social Empresarial (AliaRSE)

60% market share in motorcycles in

Mexico

60% market share in motorcycles in

Mexico

+7,200 POS

7 countries in America

+7,200 POS

7 countries in America

2nd largestbank in Mexico, bynumber ofbranches

2nd largestbank in Mexico, bynumber ofbranches

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USA:

2,000USA:

2,000

Mexico:

4,630Mexico:

4,630

Total:

7,269Total:

7,269

Latin

America:

639

Latin

America:

639

Mexico

US

Guatemala

El Salvador

Honduras

Panama

Peru

Presence in America

Points of Contact

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Target Market

*Source: AMAI (Mexican Association of Research Agencies)

. *AMAI estimation based on the data from the national household income and expense poll 2018. Considers cities of 100,000 or more people.

Customer

Profile

Advance America

CustomersU.S. Census 2010

Average Age 43 39

Median Household Income US$49,696 US$50,046

% Homeowners 79% 65%

% With High School Diploma or Higher 96% 85%

Our target market:

66%Of families in Latin

America*

Middle-income

families in the US:

9%

16%

18%

17%

15%

21%

5%

A, B

C+

C

C-

D+

D

E

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Commercial Business

Agenda

9

Revenues by category, as of 2018:

Ps.37,989 millions

Mobility

18%

Appliances

14%

Electronics

11%

Money

Transfers

10%

Furniture

7%

Other

7%

Computers

3%

Motorcycles

30%

Commercial Business

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Elektra Store Format

C, D+ socioeconomic segments

1,284 points of contact as of 2018:

1,113 in Mexico and 171 in Latin America

Average store sales floor: 977 m2

15 distribution centers: 9 in Mexico and 6 in

Latin America

New format:

One and two floors

Exhibition and sales floor: 1,500 – 2,000 m2

Parking space: 780 m2

Banco Azteca space: 170 m2:

Seven cashiers

One ATM

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Better Banco Azteca image

Better promotional activity

Exclusive motorcycle models

Better catalogue and customer experience

New Elektra Store Format

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Omnichannel strategy

Focus on the client:

Purchases from any device (cellphone, tablet, computer), by phone or in store

Free delivery to the door or to our stores

Using any form of payment (online and offline), including Credito Elektra from Banco Azteca

400 specialized kiosks in Elektra Stores and iPads in the rest of the POS for the first online experience

Launch of the MarketPlace with a goal to expand the scope of product offering

Elektra USA (www.elektra.com.mx/beneficios-usa) targeting Mexican living in the US

Alliance with Mercado Libre

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Target: C+, C socioeconomic segments

High quality furniture, home

appliances, white line, and high-tech

products

44 points of contact in Mexico

Average store sales floor: 983 m2

Salinas y Rocha Store Format

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60% market share in Mexico

4.4 million motorcycles sold in Mexico, Guatemala,

Peru, Honduras, Panama and Costa Rica

More than 3.3 million motorcycles assembled at

Esamblika due to its capacity to make 1.5 motorcycles a

minute

The facility has five assembly lines with an annual

installed capacity of 635,000 motorcycles

It offers more than 70 models with engines between 80

and 650 cc, including the first electrical powered

“Voltium”

More than 3,600 distribution points: Elektra stores,

Salinas y Rocha, dealers, retail chains and own agencies

More than 700 service centers authorized in Mexico

and more than 190 in Latin America

Italika

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Financial Business

Agenda

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Financial Business

Revenues by category, as of

2018:

Ps.65,533 millions

Loans:

Consumer

Personal

Gold pawn

Commercial

Group Digital banking

Prepaid cards

Debit cards

Investments

Savings

Interest bearing:

Micro insurance:

Life and liability

Retirement fund

administrator

Investment in stocks

Brokerage

Institutional promotion Tax services

Online

Installment

Title

Payday

Loans:

76%19%

3%

1%

1%

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Operates in Mexico, El Salvador, Guatemala,

Honduras, Panama and Peru.

In Mexico we are:

The second largest bank by number of

points of contact

The third one by amount of personal

loans

3,941 points of contact (1,328 inside our

retail stores)

A solid base of deposits with flexible

funding, no commissions, and savings

accounts starting with Ps.1

Digital Banking: Use of products and

payment for services via mobile devices;

3.5 million users

Banco Azteca

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Leading provider of non-bank cash advance

services in the USA, measured by number of stores

2,000 points of contact in 28 states

More than to 8.4 million of loans on a year

Pay day loans:

Average amount: US$379; duration: 20 days

Title loans:

Average amount: US$812; duration: 77 days

Installment loans:

Average amount: US$787; duration: 124 days

Advance America

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Offers liability and life

insurance

Liability insurance covers:

Property

Cars

Motorcycles

Micro insurances in case of

casualty and critical illness:

Accidental death

Breast and cervical

cancer

First heart attack

26 Certificados Bursatiles

issuances and three IPOs:

Pension fund administrator

Assets under management

for Ps.74.4 billion as of 2018

(+28% vs. 2017)

3.3 million of accounts as of

2018 (+46% vs. )

FIBRA HD

FIBRA Plus

CADU

Inmobiliaria

Grupo Diniz

Grupo Elektra

Crediamigo

ConCrédito

Central Leasing

NAFINSA

Exitus Capital

ION

Mas Leasing

Lingo

Other Financial Businesses

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Financial Overview

Agenda

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CAPEX Cash Flow(1)

Historic Consolidated EBITDA Historic Consolidated Revenues

Consolidated EBITDA

Consolidated Revenues

(1) Cash Flow = EBITDA – CAPEX

Consolidated Financial Overview

Ps. millions

$11,526$9,950 $9,479

$10,893$13,998

$16,754$18,150

2012 2013 2014 2015 2016 2017 2018

$69,179 $69,971 $73,629 $74,360$81,242

$94,979$103,522

2012 2013 2014 2015 2016 2017 2018

$3,789$2,954

$2,090 $1,611$2,721

$4,663

$6,675

2012 2013 2014 2015 2016 2017 2018

$7,737 $6,996 $7,389 $9,282

$11,277 $12,091 $11,475

2012 2013 2014 2015 2016 2017 2018

$16,754$18,150

2017 2018

$94,979

2017 2018

+9 %

$103,522

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Demand Deposits Capitalization Index

Delinquency RateGross Loan Portfolio

Banco Azteca Mexico Highlights

6.4%

8.2%9.3%

5.3%

2.6%

4.2%3.5%

2012 2013 2014 2015 2016 2017 2018

12.5% 13.3%14.9%

18.4%

15.3%16.7%

18.2%

2012 2013 2014 2015 2016 2017 2018

$61,467 $62,281 $60,121$53,215

$67,743$76,740 $80,346

2012 2013 2014 2015 2016 2017 2018

$58,272$66,623

$79,685$89,613 $95,387

$108,652

2012 2013 2014 2015 2016 2017 2018

$122,182

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Social

Environmental, Social and Corporate Governance Policies

Elektra and Italika are recognized as "Great Places to Work at“

Elektra, Banco Azteca and Italika stores are recognized as

Socially Responsible Companies

Workforce diversified by gender, age and origin

World Bank study, "From pawnshops to banks. The impact of

formal credit on informal households", determined that Banco

Azteca contributes to the stability of household consumption

in Mexico

12,495,004 children, young people, women, entrepreneurs,

users of financial services, partners and clients of Banco Azteca

benefited from its “Aprende y Crece“ (“Learn and Grow”)

Program in Mexico in 2017

"Learn and Grow" is the only financial education program

certified by the Ministry of Public Education (SEP), the Ministry

of Labor and Social Security (STPS), and the National

Commission for the Protection and Defense of Users of

Services Financial (CONDUSEF)

Guardadito Kids seeks to integrate 100 thousand minors into

the financial system every year

6,240 customers trained with the motorcycle driving course

taught in 5 states in Mexico during 2017

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Environmental

37% of the energy consumed by Grupo Elektra comes

from renewable sources.

The National Commission for the Efficient Use of Energy

(Conuee) recognized Banco Azteca with the award for

Excellence in Energy Efficiency in Buildings.

More than 1.2 million trees planted in 1,147 hectares in

the national reforestation campaign “Un Nuevo Bosque”

(“The New Forest”), with the participation of 120

thousand volunteers.

Corporate Governance

Grupo Elektra received the "Recognition of the Best

Corporate Governance in Mexico“ award*.

The Corporate Reputation Business Monitor (MERCO)

recognized Banco Azteca as one of the 100 entities with

the best reputation in Mexico.

Banco Azteca and CONDUSEF entered into a

collaboration agreement for the benefit of users.

*http://cfi.co/awards/latin-america/2017/grupo-elektra-best-corporate-governance-mexico-2016/

Environmental, Social and Corporate Governance Policies

Banco Azteca – Award in

Excellence in Enery Efficiency

Grupo Elektra – Recognition of the

Best Corporate Governance in México

March 2019