Earnings Results First Quarter 2014

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.

2

3

Operating and Financial Results 1Q14

Executive Summary

Famsa Mexico

Banco Famsa

Famsa USA

Consolidated Financial Results 1Q14

Agenda

Operating and Financial Results –

First Quarter 2014

5

Executive Summary – First Quarter 2014

Consolidated Net Sales in 1Q14 totaled Ps$3,209 million, a decline of 1.6%

year-over-year

Consolidated EBITDA fell 15.2% in first quarter 2014, to Ps$369 million

Famsa MX’s SSS declined 2.8% in 1Q14, with weakness in consumption and

the 8.9% comparable growth in 1Q13 pressuring this result

Despite the challenging environment, the sales volume of Cellular

Telephones, Electronics and Motorcycles grew in 1Q14

Banco Famsa’s bank deposits continued to increase, at 9.5% during the

quarter, and the cost of funding fell to a historic minimum of 4.97% in 1Q14

Impulso Famsa, a business product for SMEs seeking preferential credit

conditions, was launched during the quarter

Famsa USA’s SSS denominated in US dollars grew 2.4% during the first

quarter of 2014, contributing to the consolidated result

The categories that posted the greatest sales growth were Household

Appliances and Furniture, expanding 12.8% and 4.6% respectively in 1Q14

USA

MX

Famsa Mexico

The prolonged contraction in consumption in Mexico pressured the dynamism of our operations

7

ANTAD - Nominal Sales Growth2 (General grouping, SSS)

1 Consumer Confidence Index published by INEGI (2003 base 100) 2 Nominal sales growth published by ANTAD (General grouping , Same Store Sales)

88

90

92

94

96

98

100

Mar

´12

Jun

´12

Sep

´12

De

c´1

2

Mar

´13

Jun

´13

Sep

´13

De

c´1

3

Mar

´14

Ind

ex

Consumer Confidence Index1 (Seasonally adjusted series)

Gro

wth

(%

)

-4%

-2%

0%

2%

4%

6%

8%

10%

Mar

´12

Jun

´12

Sep

´12

De

c´1

2

Mar

´13

Jun

´13

Sep

´13

De

c´1

3

Mar

´14

$2,843 $2,773

1Q13 1Q14

8

Famsa Mexico: Net Sales

Pes

os

(Mill

ion

s)

Total: -2.5% SSS: -2.8%

0%

3%

6%

9%

12%

1Q

13

2Q

13

3Q

13

4Q

13

1Q

14

Gro

wth

(%

)

Famsa Mexico: Quarterly SSS

Famsa Mexico faced challenging market conditions leading to a decline in sales volume during 1Q14

9

25.8% 25.4%

13.3% 10.7%

12.9% 13.1%

11.2% 12.1%

9.4% 11.5%

6.4% 5.4%

6.0% 6.6%

15.0% 15.2%

1Q13 1Q14

Famsa Mexico: % of Sales by Product Category

100% 100%

% o

f Sa

les

Others

Motorcycles

Mobile Phones

Personal Loans

Electronics

Appliances

Computers

Furniture -25%

-20%

-15%

-10%

-5%

0%

5%

10%

15%

20%

Furn

itu

re

Co

mp

ute

rs

Pe

rso

nal

Lo

ans

Ap

plia

nce

s

Ele

ctro

nic

s

Mo

torc

ycle

s

Mo

bile

Ph

on

es

Famsa Mexico: Sales Growth by Product Category (1Q14)

Some core categories posted sales growth in 1Q14 despite the decline in consumer confidence

Banco Famsa

0%

2%

4%

6%

8%

10%

12%

14%

16%

18%

1Q

13

2Q

13

3Q

13

4Q

13

1Q

14 3

0%

2%

4%

6%

8%

10%

12%

14%

16%

1Q

13

2Q

13

3Q

13

4Q

13

1Q

14

11

Banco Famsa: Non-Performing Loans Ratio (IMOR) 1

Banco Famsa: Capitalization Index (ICAP)

Source: CNBV, Banco Famsa 1 Includes Collection Rights (Derechos de Cobro) 2 As of February 28, 2014 3 Preliminary figure

Banco Famsa maintains a solid capitalization index

and the NPL´s ratio closed at 15.7% in 1Q14

12.9%

12.9% 15.7%

F 2

4%

5%

6%

4Q

11

1Q

12

2Q

12

3Q

12

4Q

12

1Q

13

2Q

13

3Q

13

4Q

13

1Q

14

+9.5%

1,227 1,302 1,321 1,524 1,626 1,125 1,113 1,279 1,487

1,710

10,513 10,789

11,036

10,918 10,746

1Q13 2Q13 3Q13 4Q13 1Q14

Banco Famsa: Deposits

Demand Deposits Time Deposits with optional availability

$14,082

Time Deposits

Banco Famsa: Average Cost of Funding

Source: Grupo Famsa, Banco Famsa

Rat

e (

%) 5.18%

4.97%

$12,865

Pes

os

(Mill

ion

s)

12

Banco Famsa´s cost of funding fell to a historic

minimum of 4.97% in 1Q14

Corporate 56%

Financial Institutions

23%

SMEs 18%

Corporate 63%

Financial Institutions

21%

SMEs 15%

13

$2,317

$2,594 $2,375

$2,657 $2,578

1Q13 2Q13 3Q13 4Q13 1Q14

Banco Famsa: Commercial Loans

+11.3%

Micro, Small and Medium-sized Enterprises now

represent 21% of the Commercial Portfolio

Banco Famsa: Commercial Loans Mix

Pes

os

(Mill

ion

s)

1Q14

1Q13

Microcredits 3%

Microcredits 1%

21%

+5%

16%

One-time loan repaid in monthly payments Used for capital expenditures, ongoing working

capital or the purchase of liabilities Fixed or variable interest rate Repayment timeframe up to 60 months Fixed payment of capital

Current Account Credit:

Revolving credit line with payment at maturity Used for capital expenditures and ongoing working capital Fixed or variable interest rate Repayment timeframe up to 36 months Payments of capital and interest at maturity

Interest rate of 9.78% Loans from Ps$500,000 to Ps$10,000,000 No annual payments

14

Simple Credit:

In March, Grupo Famsa rolled out Impulso Famsa, aimed at growing its SMEs credit portfolio

Let´s do business. SIGN HERE Improve the conditions of your SME credit

Famsa USA

16

1Q13 1Q14

Pe

sos

(Mill

ion

s)

Total: +7.0% (MXN) Total: +2.4 % (USD) SSS: +2.4% (USD)

Famsa USA: Net Sales

Famsa USA´s SSS rose 2.4% during 1Q14,

contributing to the consolidated result

-10%

-5%

0%

5%

10%

1Q

13

2Q

13

3Q

13

4Q

13

1Q

14

Famsa USA: Quarterly SSS

$ 418

$ 391

Gro

wth

(%

)

-25%

-20%

-15%

-10%

-5%

0%

5%

10%

15%

20%

Co

mp

ute

rs

Ele

ctro

nic

s

Furn

itu

re

Fam

sa t

o F

amsa

Ap

plia

nce

s

Pe

rso

nal

Lo

ans

17

Sales of several core categories grew during the first

quarter of 2014

Famsa USA: Sales Growth by Product Category (1Q14)

18

Famsa USA: % of Sales by Product Category

51.8% 49.9%

17.9% 15.8%

11.5% 11.9%

5.7% 4.1%

3.9% 5.8%

3.0% 3.1%

6.2% 9.4%

1T13 1T14

100% 100%

% o

f Sa

les

Electronics

Appliances

Furniture

Computers

Others

Personal Loans Famsa to Famsa

Furniture and Electronics represent more than 65%

of Famsa USA sales

423 430

64 6431 35

11

1Q13 1Q14

355 362

25 25

305 327

163

1Q13 1Q14

4Q13 Openings Closures 1Q14

Business Units 877 0 0 877

Stores 387 0 0 387

Famsa Mexico 362 0 0 362

Famsa USA 25 0 0 25

Banking branches 317 10 0 327

Pawn-broking branches 173 0 10 163

19

+4.3%

Grupo Famsa: Business Units Grupo Famsa: Retail Area

M2 (

Tho

usa

nd

s)

Openings and Closures (1Q14)

+28.0%

Nu

mb

er o

f b

usi

nes

s u

nit

s

Banking branches

Stores Mx

Stores USA

685

877 Banking branches

Stores Mx

Stores USA

518 540

The number of stores in MX and USA remained

constant during the first quarter of 2014

Pawn-broking branches

Pawn-broking branches

Consolidated Financial Results –

First Quarter 2014

Motorcycles

1Q13 1Q14

Consolidated Net Sales

21

$3,209 -1.6%

Same Store Sales (%)

Consolidated Product Mix

Share of Consolidated Net Sales by Country

% o

f Sa

les

Pes

os

(Mill

ion

s)

1Q14

Total -2.3%

Famsa Mexico -2.8%

Famsa USA1 +2.4%

MX

USA

$3,262

88.0% 87.0%

12.0% 13.0%

1Q13 1Q14

% o

f Sa

les

Famsa USA

Famsa Mexico

23% 23%

18% 16%

12% 13%

13% 13%

8% 10% 6% 5% 5% 6%

14% 15%

1Q13 1Q14

Others

Computers Mobile Phones

Electronics

Appliances

Personal Loans

Furniture

1 Excluding foreign exchange effects

Net Sales

1Q13 1Q14

$225

$184

1Q13 1Q14

-15.2%

22

1Q13 1Q14

Gross Profit EBITDA

Net Income

-4.5%

Pe

sos

(Mill

ion

s)

50.1% 48.6%

-18.2%

-4.7%

5.7%

Financial Expenses, net

6.9%

$1,635 $1,561

MX

USA

MX

USA

$435 $369

13.3%

$131

$204

1Q13 1Q14

+55.6%

4.0% 6.4%

Profitability

11.5%

23

$8,944 $9,130

2013 2014

2013 2014

$2,174

$17,670 $17,660

$2,657 $2,578 $1,840 $1,776

2013 2014

Trade Receivables Inventories

Net Debt and Bank Deposits Stockholders’ Equity

-1.3%

+2.1%

Bank Deposits

Net Debt

$13,930 $14,082

$6,037 $6,378

2013 2014

+2.5%

$22,014 $22,167

$19,967 $20,460

-0.7%

Commercial Mx Consumer USA

Consumer Mx

Main Balance Sheet Accounts P

eso

s (M

illio

ns)

$2,146