2Q18 Earnings

Presentation

2

2Q18AGENDA

Operating Strategies ………..….…..….3

Famsa Mexico …………………………..6

Famsa USA …………………………..…..8

Banco Famsa ……………………….…...10

Consolidated Results…………….…….14

Financial Position Items……….………19

Operating Strategies

4

1. 2Q18 Strategies:

a) Revamping in origination procedures on a per region basis. Progressivelyconverted into an agile and result-driven platform.

b) Significant increase in the participation of customers belonging to thesegments we serve 64.6% of clients belonging from the formal sector.

c) Important contribution of the canvass channel and fully capitalization onseasonal events. Successful advertising campaigns, which together with ourstrengthened canvass channel, have allowed us to increase our commercial reachand perform growth in most of our categories.

d) Establishment of strategic partnership. In order to streamline the originationprocess of SMEs loans and broaden geographic presence in markets with nobanking branches, BAF entered into an alliance with PitchBull, a fintech platform.

e) Expansion of the commercial outreach in the United States. A higherpenetration in digital media was achieved without neglecting traditional media suchas TV and radio. Additionally, the scheme of payments and commissions wasupgraded to improve operational efficiency

IV.Cost

Reduction

I. Operating

Front

5

1. 2Q18 Strategies:

IV.Cost

Reduction

II. Financial

Front

a) Strengthening of the financial structure. Grupo Famsa contracted a second credit facilitywith Bancomext, for Ps.1,000 million with a 7 year-term and step-up semi-annual couponpayments. Proceeds will mainly be destined to amortize liabilities with financial cost.

b) Progress in initiatives for higher liquidity. During 2Q18, two properties were sold forPs.269 million and a significant progress was made in the commercialization of another 5,for Ps.300 million (titling process is expected to end during 3Q18). Therefore, the Ps.800million target for 2018 of the asset monetization plan is reaffirmed.

Famsa Mexico

7

During 2Q18 outstands the core categories of Computers (+37.0% YoY), Electronics (+18.8% YoY) and Mobile Phones (+16.7% YoY)

2. Famsa Mexico

Sales by product mix

Same-Store Sales (SSS)

6.9% 6.8%

10.3%

6.0%

2.6%

7.2%9.3%

16.5%15.2%

2Q16

3Q16

4Q16

1Q17

2Q17

3Q17

4Q17

1Q18

2Q18

Famsa MX

Net Sales(MXP Million) + 16.4%

(Annual growth)

3,793 4,399

2Q17 2Q18

7,253 8,442

YTD 17 YTD 18

+ 16.0%

36.8% 36.5%

9.2% 9.0%

13.8% 13.9%

10.8% 10.9%

8.9% 9.2%

6.4% 6.0%2.1% 2.4%

12.0% 12.1%

2Q17 2Q18

35.7% 37.1%

9.4% 9.5%

13.6% 13.5%

10.9% 11.3%

9.0% 9.4%6.7% 6.4%2.6% 2.8%

12.5% 10.1%

0.00%

20.00%

40.00%

60.00%

80.00%

100.00%

120.00%

YTD 17 YTD 18

Others

Computers

Motorcycles

Electronics

Mobile Phones

Appliances

Furniture

Loans

Famsa USA

9

Famsa USA registered a 3.1% YoY increase in USD Same Store Sales (SSS).

3. Famsa USA

Sales by product mix Net Sales (MXP Million)

MXP: -10.5%USD: - 8.7%

446 438

933 835

2Q17 2Q18 YTD 17 YTD 18

MXP: -1.8%USD: - 5.5%

48.8% 47.5%

12.7% 13.1%

11.2% 9.8%

15.1% 18.7%

5.1% 4.1%2.2% 2.1%5.0% 4.7%

0.0%

20.0%

40.0%

60.0%

80.0%

100.0%

120.0%

YTD 17 YTD 18

Others

Computers

Famsa to Famsa

Loans

Electronics

Appliances

Furniture

48.2% 46.6%

12.7% 12.9%

10.9% 10.3%

14.3% 18.7%

6.1% 4.1%2.2% 2.0%5.0% 5.1%

0.0%

20.0%

40.0%

60.0%

80.0%

100.0%

120.0%

2Q17 2Q18

Banco Famsa

11

13%

14%

73%

2Q17

Demand Deposits

Opnl Availability

Time Deposits

Bank deposits as of June 30, 2018 represented ~74% of the Company’s total funding.

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

+ 18.1%

Funding Cost

23,295 24,491 24,994 26,286 27,504

2Q17 3Q17 4Q17 1Q18 2Q18

5.9% 6.3% 6.7% 6.6% 6.9%

10%10%

80%

2Q18

Demand Deposits

Opnl Availability

Time Deposits

Bank Deposits Mix

12

12%

59%

17%

12%

2Q17

16%

52%

16%

16%

2Q18

4,537 4,843 4,959 5,152 5,653

2Q17 3Q17 4Q17 1Q18 2Q18

+ 24.6%

PYME Microcredit Corporate Others Financial

4. Banco Famsa

*Gross BalanceSource: Banco Famsa

Portfolio of Loans*(MXP Million)

Commercial NPL ratio

Portfolio of Loans Mix

0.9% 0.9% 1.5% 1.1% 1.0%

During 2Q18, Banco Famsa established an strategic alliance with a Fintech platform, in order to speed up the origination process for SMEs loans

13

9.1% 8.8% 8.5% 8.5% 8.3% 8.3% 8.4% 8.4%9.2%

Jun'16 Sep'16 Dec'16 Mar'17 Jun'17 Sep'17 Dec'17 Mar'18 Jun'18

Non-performing Loans Ratio (NPL)**

**Includes credits discounted by payrollSource: Banco Famsa

4. Banco Famsa

Consolidated Results

15

89.6% 91.0%

10.4%9.0%4,2684,868

2Q17 2Q18

88.7%91.1%

11.3%

8.9%8,247

9,334

YTD 17 YTD 18

Famsa USA

Famsa MX

5. Consolidated Results – Net Sales

*SSS calculated in US dollars, excluding exchange rate effect

Same Store Sales (SSS)

2Q17 2Q18

Total (0.3%) +14.1%

Famsa Mexico +2.6% +15.2%

Famsa USA* (25.5%) +3.1%

Net Sales by country(MXP Million) + 13.2%

+ 14.1%

16

447 449

64 604 338 383

556 550

2Q17-m2* 2Q18-m2*

PawnshopBranchesBankingBranchesPL USABranchesStores USA

Stores MX

5. Consolidated Results – Net SalesNet Sales by product mix Business-units Retail-area

*m2 in thousands.

34.5% 34.9%

13.3% 12.4%

13.7% 13.8%

9.7% 9.9%

9.1% 9.3%

5.7% 5.5%2.1% 2.4%

11.9% 11.8%

2Q17 2Q18

33.3% 35.5%

13.9% 12.9%

13.5% 13.5%

9.7% 10.2%

9.3% 9.5%5.9% 5.8%2.6% 2.7%11.8% 9.9%

YTD 17 YTD 18

Others

Computers

Motorcycles

Electronics

Mobile Phones

Appliances

Furniture

Loans

377 378

24 2226 21

390 387

44861 816

2Q17 2Q18

- 5.2%- 1.0%

17

1,6801,912

3,3523,761202

212

435399

1,8822,118

3,7874,160

2Q17 2Q18 YTD 17 YTD 18

Famsa USA Famsa MX*

+ 12.6%

44.6%45.9%

44.1% 43.5%

5. Consolidated Results

Gross Profit(MXP Million)

*Includes other segments and intercompanies

+ 9.9%

*Includes other segments and intercompanies

384 445

811 940

-9 -4 -20 -18

375 441

791

922

2Q17 2Q18 YTD 17 YTD 18Famsa USA Famsa MX*

9.9%9.6%EBITDA(MXP Million)

+ 17.7%

8.8% 9.1%

+ 16.5%

18

326

189

380

-28

380

-28

2Q17 2Q18

5. Consolidated Results

Net Income(MXP Million)

- 107.4%

8.6% 1.7%

706

161

YTD 17 YTD 18

- 77.2%

8.9% -0.6%

Impacted by non-cash items

252 285

512 562

2Q17 2Q18 YTD 17 YTD 18

+ 13.1%

5.9%

(MXP Million)

6.0%

Financial expenses(1)

6.2%

(1) Financial expenses = Interest paid

+ 9.8%

5.9%

Financial Position Items

20

18,517 21,209

4,3604,9422,3232,18125,200 28,332

4Q17 2Q18

Consumer USA

Commercial MX

Consumer MX

Trade receivables

2.8%

+ 12.4%(MXP Million)

6. Financial Position Items

2,156 2,441

2892532,445

2,694

4Q17 2Q18

Famsa USA

Famsa MX

+ 10.2%

Inventories(MXP Million)

7,255 7,416

4Q17 2Q18

+ 2.2%Stockholders’ equity(MXP Million)

Net debt & bank deposits(MXP Million)

24,994 27,504

7,3837,904

32,377 35,408

4Q17 2Q18

Net Debt

Bank Deposits

+ 9.4%

21

16% 13%

52% 54%

32% 33%

9,026 9,348

 8,800

 8,900

 9,000

 9,100

 9,200

 9,300

 9,400

0%

20%

40%

60%

80%

100%

120%

4Q17 2Q18Debt Securities Credit Lines Foreign Debt

+3.6%

6. Financial Position Items: Debt StructureDebt Profile(MXP Million)

Debt Maturity Schedule(MXP Million)

73% 75%

12% 11%15% 14%

34,020 36,853

 32,500 33,000 33,500 34,000 34,500 35,000 35,500 36,000 36,500 37,000 37,500

0%

20%

40%

60%

80%

100%

120%

4Q17 2Q18Bank Deposits Debt Securities* Bank Loans

+ 8.3%Funding Sources(MXP Million)

* Includes local notes and foreign senior notes.

1,09286

717

382555 422 613 480 559 498 427 425

276

2,740

76

2018 2019 2020 2021 2022 2023 2024 2025 2026 2027Debt Securities Credit Lines Foreign Debt

22

66%

34%

4Q17

6. Financial Position Items: Debt Structure

Debt Profile: By Currency Debt Profile: By Interest Rate

35%

65%

4Q17

67%

33%

2Q18

MXP USD

34%

66%

2Q18

Fixed Rate Floating Rate

23

6. Financial Position Items: Proforma Debt Maturities

1,09286

616

382

456 422 613 480 559 498 427 425

118

2,740

76

2018 2019 2020 2021 2022 2023 2024 2025 2026 2027Debt Certificates Credit Lines Foreign Debt

(MXP Million)

$1,826

$468

$3,195

$689

Proforma Debt Maturity Schedule(Amortization of liabilities during July 2018)

Proforma Gross Debt: $8,990Decrease in debt during July 2018: $358*Proforma Gross Debt: $8,990Decrease in debt during July 2018: $358*

* Considers amortization of foreign debt of USD$8 million.

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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 orimplied, 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 anduncertainties 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 amaterial degree.

We warn that an important number of factors could cause that the actual results to differ from the plans, targets, expectations, estimates and intentionsexpressed in this presentation. In no event shall neither the Company nor any of its affiliates, directors, officers, agents or employees be liable to thirdparties 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 wereobtained 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 writtenconsent from Grupo Famsa. Whoever receives this presentation, must comply with the applicable legal provisions and must obtain each and every one ofthe authorizations that apply to him. Neither the Company nor any of its affiliates, directors, officers, agents or employees shall be liable to third parties forsuch 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 2017 andin the other reports disclosed by the Company, which can be found in the websites of The Mexican Stock Exchange www.bmv.com.mx andwww.grupofamsa.com.

Note on Forward-Looking Statements

Investor Relations

Paloma Arellanopaloma.arellano@famsa.com+52 (81) 8389 3405

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