Earnings Results Fourth Quarter 2013

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 4Q13

Executive Summary

Famsa Mexico

Banco Famsa

Famsa USA

Consolidated Financial Results 4Q13

Agenda

Operating and Financial Results –

Fourth Quarter 2013

5

Executive Summary – Fourth Quarter 2013

Grupo Famsa posted an increase in consolidated Net Sales of 3.0% in 4Q13

and of 6.5% for the year 2013

Consolidated Adjusted Operating Cash Flow (EBITDA) contracted 10.8% in

the fourth quarter; however, accumulated EBITDA for the year grew 3.2%

Famsa Mexico's SSS rose 3.8% during the fourth quarter of 2013; the 7.2%

annual increase was greater than the low end of the Guidance range (6.0%)

Famsa Mexico’s Adjusted EBITDA decreased 0.9% in 4Q13; nevertheless, the

solid results posted in 1H13 contributed to the annual growth of 5.4%

The sustained growth in Banco Famsa's Bank Deposits, to Ps$13,930 million

as of yearend 2013, reflects the stability of the bank's operations

Banco Famsa assumed control of the operations of 173 pawn-broking

branches as of the fourth quarter of 2013

Famsa USA’s SSS in dollars fell 7.0% in 4Q13 and 4.6% annually, pressuring

the consolidated result

Famsa USA maintained a strict control of expenses to offset the decline in

sales

USA

MX

6

Grupo Famsa : Net Sales Grupo Famsa: Adjusted EBITDA

In line with our 2013 guidance, consolidated Net Sales

rose 6.5% above those of 2012

$2,700 $2,550

$2,455

Pe

so

s (

MillIo

n)S

Pe

so

s (

MillIo

ns

)

$15,300 $15,000

$15,040

2013 2013P

$15,040

2013 Est. 2013 Est.

Famsa Mexico

$3,721 $3,879

$12,353

$13,301

4Q12 4Q13 2012 2013

8

Famsa Mexico: Net Sales

Pes

os

(Mill

ion

s)

Total: +7.7% SSS: +7.2%

Famsa Mexico: Annual SSS

Total: +4.2% SSS: +3.8%

Famsa Mexico’s Same Store Sales grew 7.2% in

2013, despite the decline in consumer confidence

-6%

-3%

0%

3%

6%

9%

12%

1Q

12

2Q

12

3Q

12

4Q

12

1Q

13

2Q

13

3Q

13

4Q

13

Gro

wth

(%

) Guidance: 6%

3.8%

Guidance: 6%

7.2%

Gro

wth

(%

)

Famsa Mexico: Quarterly SSS

9

25.0% 23.7%

13.8% 12.7%

12.0% 12.4%

10.7% 12.1%

8.3% 10.3% 5.0% 6.4% 6.3%

6.3%

19.0% 16.2%

2012 2013

Famsa Mexico: % of Sales by Product Category

100% 100%

% o

f Sa

les

Others

Motorcycles

Mobile Phones

Personal Loans

Electronics

Appliances

Computers

Furniture -20%

-15%

-10%

-5%

0%

5%

10%

15%

20%

25%

Pe

rso

nal

Lo

ans

Furn

itu

re

Co

mp

ute

rs

Ele

ctro

nic

s

Ap

plia

nce

s

Mo

torc

ycle

s

Mo

bile

Ph

on

es

Famsa Mexico: Sales Growth by Product Catgory (4Q13)

Famsa MX focused on stimulating demand for durable

goods in 4Q13, while personal loans origination declined

10

Famsa MX posted an increase in Net Sales of 36% in

2013 year-over-year during “El Buen Fin”

Famsa Mexico: Net Sales year-over-year during “El Buen Fin”

Pe

so

s (

Millio

ns

)

2010 2011 2012 2013*

* In 2010, registered Net Sales correspond to calendar days comparable to rest of years

+36.0%

$91

$135

$260

$354

66.8% 64.9%

33.2% 35.1%

4Q12 4Q13

11

Famsa Mexico: Sales Mix

Famsa MX´s Gross Margin contracted 50 bp due to a

higher share of cash sales in 4Q13

(%

)

4Q12 4Q13 2012 2013

+7.4%

42.9% 42.4% 46.1%

+3.1%

$1,596 $1,646

$5,696

46.0%

$6,116

Peso

s (

Millio

ns

)

Credit

Cash

Famsa Mexico: Gross Profit

Banco Famsa

0%

2%

4%

6%

8%

10%

12%

14%

16%

1Q

12

2Q

12

3Q

12

4Q

12

1Q

13

2Q

13

3Q

13

4Q

13

13

Banco Famsa: Non-Performing Loans Ratio (IMOR)

Banco Famsa: Capitalization Index (ICAP)

Source: CNBV, Banco Famsa * Preliminary figures

Banco Famsa maintains a solid capitalization index

and the NPL´s ratio closed at 16.7% in 2013

* * 0%

2%

4%

6%

8%

10%

12%

14%

16%

18%

1Q

12

2Q

12

3Q

12

4Q

12

1Q

13

2Q

13

3Q

13

4Q

13

4%

5%

6%

7%

4Q

10

1Q

11

2Q

11

3Q

11

4Q

11

1Q

12

2Q

12

3Q

12

4Q

12

1Q

13

2Q

13

3Q

13

4Q

13

+16.1%

1,272 1,227 1,302 1,321 1,524 1,234 1,125 1,113 1,279 1,487

9,494 10,513

10,789

11,036 10,918

4Q12 1Q13 2Q13 3Q13 4Q13

Banco Famsa: Deposits

Demand Deposits Time Deposits with optional availability

$13,930

Time Deposits

Banco Famsa: Average Cost of Funding

Source: Grupo Famsa, Banco Famsa

Rat

e (

%)

6.1%

5.17%

$11,999

Pes

os

(Mill

ion

s)

14

Bank Deposits continued growing consistently,

reaching Ps$13,930 million as of the close of 2013

Corporate 55%

Financial Institutions

32%

SMEs 12%

15

$2,332 $2,317

$2,594

$2,375

$2,657

4Q12 1Q13 2Q13 3Q13 4Q13

Banco Famsa: Commercial Loans

+13.9%

Micro, Small and Medium-sized Enterprises now

represent 3,249 clients as of the close of 2013

Banco Famsa: Commercial Loans Mix

Pes

os

(Mill

ion

s)

4Q13

4Q12

Microcredits 2%

Microcredits 1%

Corporate 51% Financial

Institutions 31%

SMEs 16%

18%

+5%

13%

Famsa USA

17

$475 $442

$1,715 $1,635

4Q12 4Q13 2012 2013

Pes

os

(Mill

ion

s) Total: -6.8% (MXN)

Total: -7.0% (USD) SSS: -7.0% (USD)

Famsa USA: Net Sales

Total: -4.7% (MXN) Total: -4.6% (USD) SSS: -4.6% (USD)

Famsa USA: % of Sales by Product Category

50.6% 51.9%

19.4% 18.2%

10.2% 12.0%

6.7% 6.0% 2.6% 4.5% 3.4%

3.5% 7.1% 3.8%

2012 2013

100% 100%

% o

f Sa

les

Electronics

Appliances

Furniture

Computers

Others Personal Loans Famsa to Famsa

Dollar-denominated SSS declined 7.0% during 4Q13;

-4.6% annually

3Q13 Openings Closures 4Q13

Business Units 694 10 0 877

Stores 383 4 0 387

Famsa Mexico 358 4 0 362

Famsa USA 25 0 0 25

Banking branches 311 6 0 317

Pawn-broking branches 0 173 0 173

423 430

64 6431 34

12

4Q12 4Q13

355 362

25 25

304 317

173

4Q12 4Q13

18

+4.3%

Grupo Famsa: Business Units Grupo Famsa: Retail Area

M2 (

Tho

usa

nd

s)

Openings and Closures (4Q13)

+28.2%

Nu

mb

er o

f b

usi

nes

s u

nit

s

Banking branches

Stores Mx

Stores USA

684

877 Banking branches

Stores Mx

Stores USA

518 541

4 full-format stores and 6 banking branches were

opened during 4Q13

Pawn-broking branches

Pawn-broking branches

Consolidated Financial Results –

Fourth Quarter 2013

Motorcycles

4Q12 4Q13 2012 2013

Consolidated Net Sales

20

$15,040

+6.5%

Same Store Sales (%)

Consolidated Product Mix

Share of Consolidated Net Sales by Country

% o

f Sa

les

Pes

os

(Mill

ion

s)

4Q13 2013

Total +2.4% +5.6%

Famsa Mexico +3.8% +7.2%

Famsa USA1 -7.0% -4.6%

MX

USA $4,224 $4,352

$14,124

+3.0%

88% 89%

12% 11%

2012 2013

% o

f Sa

les

Famsa USA

Famsa Mexico

22% 22%

18% 17%

13% 13%

11% 12% 7% 9% 6% 6% 4% 6%

18% 15%

2012 2013

Others

Computers Mobile Phones

Electronics

Appliances

Personal Loans

Furniture

1 Excluding foreign exchange effects

Net Sales

4Q12 4Q13 2012 2013

-$200

$80

$326

$691

4Q12 4Q13 2012 2013

+3.2%

21 1 Adjusted EBITDA = Operating Profit + Interest Expense on Bank Deposits + Depreciation and Amortization 2 Non recurrent extraordinary interest expense during 2013.

4Q12 4Q13 2012 2013

Gross Profit Adjusted EBITDA1

Net Income

+5.8%

Pe

sos

(Mill

ion

s)

44.2% 43.0% 46.6% 46.3%

+0.3%

+112.3%

-4.7% 2.3%

Financial Expenses, net

1.8% 4.6%

$1,867 $1,873

$6,587 $6,967

MX

USA

-10.8%

MX

USA $677 $604

$2,379 $2,455

16.0% 13.9% 16.8%

$201 $309

$658

$985

4Q12 4Q13 2012 2013

+49.6%

4.6% 6.8% 5.1%

+53.8%

Profitability

6.2%

16.3%

5.3%

$70 Ext. Interest2

$177 Ext. Interest2

5.4%

22

$8,290 $8,971

2012 2013

$1,951 $2,174

2012 2013

$14,948 $17,941

$2,332

$2,657 $1,936

$1,832

2012 2013

Trade Receivables Inventories

Net Debt and Bank Deposits Stockholders’ Equity

+11.5%

+8.2%

Bank Deposits

Net Debt

$11,999 $13,930

$4,619

$5,977

2012 2013

+19.8%

$22,430

$19,215

$16,618

$19,907

+16.7%

Commercial Mx Consumer USA

Consumer Mx

Main Balance Sheet Accounts P

eso

s (M

illio

ns)

2014

Guidance

24

2014 Guidance

2014 Openings

Famsa Mexico 10

Banco Famsa(1) 10

Famsa USA 0

Stores and Banking Branches

2014 Guidance

Consolidated Net Sales* $15,900 to $16,100

Consolidated Net Sales Growth

+5.7% to +7.0%

Same Store Sales Growth

Famsa Mexico +5.0% to +7.0%

Famsa USA +5.0% to +6.0%

Net Sales and EBITDA

* Pesos (Millions)

(1) Includes bank branches set up inside Famsa Mexico’s new stores

Consolidated EBITDA* $1,860 to $2,000

Consolidated EBITDA Growth +5.9% to +13.8%