Earnings Results Second 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 2Q14

Executive Summary

Famsa Mexico

Banco Famsa

Famsa USA

Consolidated Financial Results 2Q14

Agenda

Operating and Financial Results –

Second Quarter 2014

5

Executive Summary – Second Quarter 2014

2Q14 consolidated Net Sales totaled Ps$3,657 million, 4.2% below the

previous year

During the second half of 2014, we expect consolidated EBITDA to grow

between 5% and 10% and plan to open 6 stores in Mexico

Famsa Mexico’s same store sales (SSS) declined 5.7% in 2Q14

During the second half of 2014, we expect Net Sales to reach at least the

level posted for the second half of 2013

Banco Famsa continued to post a stable growth in bank deposits and a

declining cost of funding

As of the close of June 2014, 24 pawn-broking branches in the central and

southeastern regions of Mexico had been converted to the banking model

SSS in the United States continued to gradually improve, growing 1.3%

during the second quarter of 2014

Famsa USA’s EBITDA Margin increased from 2.5% in 2Q13 to 7.7% in 2Q14,

contributing to the consolidated result

USA

MX

Famsa Mexico

$3,384 $3,207

$6,227 $5,980

2Q13 2Q14 Jan-Jun 13 Jan-Jun 14

Gro

wth

(%

)

7

Famsa Mexico: Net Sales

Pes

os

(Mill

ion

s)

Famsa Mexico: Quarterly SSS

Famsa Mexico´s sales in 2Q14 were affected by a lower consumption dynamism and less credit origination

Total: -4.0 % SSS: -4.5%

Total: -5.2% SSS: -5.7%

-9%

-6%

-3%

0%

3%

6%

9%

12%

1Q

13

2Q

13

3Q

13

4Q

14

1Q

14

2Q

14

8

26.0% 23.5%

12.7% 10.1%

12.1% 12.9%

11.6% 12.5%

9.4% 11.7%

5.6% 4.9%

6.2% 6.8%

16.4% 17.6%

Jan-Jun 13 Jan-Jun 14

Famsa Mexico: % of Sales by Product Category

100% 100%

% o

f Sa

les

Others

Motorcycles

Mobile Phones

Personal Loans

Electronics

Appliances

Computers

Furniture

-28%

-23%

-18%

-13%

-8%

-3%

2%

7%

12%

17%

Furn

itu

re

Pe

rso

nal

Lo

ans

Co

mp

ute

rs

Ele

ctro

nic

s

Mo

torc

ycle

s

Ap

plia

nce

s

Mo

bile

Ph

on

es

Famsa Mexico: Sales Growth by Product Category (2Q14)

Motorcycles, Appliances and Mobile Phones continued growing during 2Q14

TV sales during Soccer World Cup 2014 grew 25.7% compared to last World Cup

9

World Cup Sales

Pesos (Millions)

Junio 2002 $58.40

Junio 2006 $83.50

Junio 2010 $81.40

Junio 2014 $102.30 +25.7%

Banco Famsa

0%

2%

4%

6%

8%

10%

12%

14%

16%

18%

1Q

13

2Q

13

3Q

13

4Q

13

1Q

14

2Q

14

0%

2%

4%

6%

8%

10%

12%

14%

16%

1Q

13

2Q

13

3Q

13

4Q

13

1Q

14

2Q

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)

* Preliminary figure

Banco Famsa´s capitalization index remained within a

stable range and NPL´s ratio closed at 17.6% in 2Q14

12.2% 17.6%

F

4%

5%

6%

4Q

11

1Q

12

2Q

12

3Q

12

4Q

12

1Q

13

2Q

13

3Q

13

4Q

13

1Q

14

2Q

14

+9.7%

1,301 1,321 1,524 1,626 1,625 1,113 1,279 1,487 1,710 1,849

10,789 11,036 10,918

10,746 11,017

2Q13 3Q13 4Q13 1Q14 2Q14

Banco Famsa: Deposits

Demand Deposits Time Deposits with optional availability

$14,491

Time Deposits

Banco Famsa: Average Cost of Funding

Source: Grupo Famsa, Banco Famsa

Rat

e (

%) 5.18%

4.78%

$13,204

Pes

os

(Mill

ion

s)

12

Bank Deposits continued growing, totaling Ps$14,491

million as of the close of 2Q14

Corporate 68%

SMEs 21%

Financial Institutions

7%

Corporate 57%

Financial Institutions

27%

SMEs 15%

13

$2,594

$2,375

$2,657 $2,578 $2,484

2Q13 3Q13 4Q13 1Q14 2Q14

Banco Famsa: Commercial Loans

Micro, Small and Medium-sized Enterprises now

represent 25% of the Commercial Portfolio

Banco Famsa: Commercial Loans Mix

Pes

os

(Mill

ion

s)

2Q14

2Q13

Microcredits 4%

Microcredits 1%

25%

+9%

16%

-4.2%

Source: Grupo Famsa, Banco Famsa

14

During 1H14, 24 pawn-broking branches have been adapted with Banco Famsa´s traditional banking model

1Q14

Branches State

4 Puebla

2 Hidalgo

1 Campeche

1 Oaxaca

1 Veracruz

1 Yucatán

10

2Q14

Branches State

8 Veracruz

2 Puebla

1 Campeche

1 Hidalgo

1 Tabasco

1 Tlaxcala

14

Famsa USA

$406 $428

$797 $847

2Q13 2Q14 Jan-Jun 13 Jan-Jun 14

16

Pe

sos

(Mill

ion

s)

Total: +6.2% (MXN) Total: +1.8% (USD) SSS: +1.8% (USD)

Famsa USA: Net Sales

-10%

-5%

0%

5%

10%

1Q

13

2Q

13

3Q

13

4Q

13

1Q

14

2Q

14

Famsa USA: Same Store Sales

Gro

wth

(%

)

Total: +5.5% (MXN) Total: +1.3% (USD) SSS: +1.3% (USD)

Famsa USA´s SSS rose 1.3% during 2Q14

17

Furniture and Appliances posted an increase in sales of 5.3% and 10.8%, respectively in 2Q14

Famsa USA: % of Sales by Product Category

100% 100%

% d

e V

en

tas

50.5% 50.0%

17.8% 16.5%

11.8% 12.4%

5.7% 4.5% 3.7% 4.0% 3.7% 5.4% 6.8% 7.2%

2Q13 2Q14

Electronics

Appliances

Furniture

Computers

Others Personal Loans Famsa to Famsa

Famsa USA: Sales Growth by Product Category (2Q14)

-12%

-7%

-2%

3%

8%

13%

18%

Co

mp

ute

rs

Ele

ctro

nic

s

Furn

itu

re

Ap

plia

nce

s

Fam

sa t

o F

amsa

Pe

rso

nal

Lo

ans

+53%

425 432

64 64

31 36 10

2Q13 2Q14

356 363

25 25

305 342

149

2Q13 2Q14

18

+4.2%

Grupo Famsa: Business Units Grupo Famsa: Retail Area

M2 (

Tho

usa

nd

s)

Openings and Closures (2Q14)

+28.1%

Banking branches

Stores Mx

Stores USA

686

Banking branches

Stores Mx

Stores USA

1Q14 Openings Closures 2Q14

Business Units 877 16 14 879

Stores 387 1 0 388

Famsa Mexico 362 1 0 363

Famsa USA 25 0 0 25

Banking branches 327 15 0 342

Pawn-broking branches 163 0 14 149

Pawn-broking branches Pawn-broking

branches

879

Nu

mb

er o

f b

usi

nes

s u

nit

s

520 542

1 full-format store was opened and 14 pawn-broking branches were reconverted during 2Q14

Consolidated Financial Results –

Second Quarter 2014

2Q13 2Q14 Jan -Jun 13 Jan -Jun 14

24% 21%

17% 15%

12% 13%

12% 13%

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

16% 17%

Jan -Jun 13 Jan -Jun 14

Others

Consolidated Net Sales

20

Same Store Sales (%)

Consolidated Product Mix

Share of Consolidated Net Sales by Country

Pes

os

(Mill

ion

s)

% o

f Sa

les

Famsa USA

Famsa Mexico

1 Excluding foreign exchange effects

USA

MX

$3,817

$ 7,079

Computers Mobile Phones Electronics

Appliances

Personal Loans

Furniture

Motocycles

89.0% 88.0%

11.0% 12.0%

2Q13 2Q14

2Q14 Jan – Jun 14

Total -5.2% -3.9%

Famsa Mexico -5.7% -4.5%

Famsa USA1 +1.3% +1.8%

Net Sales

% o

f Sa

les

$ 3,657

$ 6,866 -4.2%

-3.0%

$269

$202

$400 $406

2Q13 2Q14 J- J 13 J- J 14

2Q13 2Q14 J-J 13 J-J 14

-18.5%

$248

$42

$473

$227

2Q13 2Q14 J-J 13 J-J 14

21

2Q13 2Q14 J-J 13 J-J 14

Gross Profit EBITDA

Net Income

-4.4%

Pe

sos

(Mill

on

s)

-4.3%

-52.0%

6.5% 6.7%

-82.8%

1.2% 3.3%

$1,769 $1,694

$3,404 $3,254

MX

USA

-21.4%

MX

USA

$496 $390

$931

$759

13.0% 10.7% 13.2%

+1.6%

7.0% 5.5% 5.6%

-24.9%

5.9%

11.0% 46.4% 47.4% 48.1% 46.3%

Profitability

Financial Expenses, net

22

$8,944 $9,157

4Q13 2Q14

$2,174 $2,150

4Q13 2Q14

$17,670 $17,999

$2,657 $2,484 $1,840 $1,779

4Q13 2Q14

Trade Receivables

Inventories

Net Debt and Bank Deposits Stockholders´Equity

-1.1%

+2.4%

Bank Deposits

Net Debt

$13,930 $14,491

$6,037 $6,026

4Q13 2Q14

+2.8%

$22,167 $22,262

$19,967 $20,517

+0.4 %

Commercial Mx Consumer USA

Consumer Mx

Pes

os

(Mill

ion

s)

Main Balance Sheet Accounts