Investor Presentation

DIVERSIFIED FUNDING MIXWITH A COMBINATION OF INDUSTRY AND BANK TYPICAL FINANCING INSTRUMENTS.

Funding Instruments

Financial Debt as of FY2018

Other 1%

Derivative instruments 2%

Commercial paper 2%

<1yr

1yr

2yrs

3yrs

4yrs

5yrs

7yrs

10yrs+

CP

(EMTN) PPs

Bonds

Liabilities from customer deposits 14%

Banks loans

ABS

ABCP

Customers deposits

Liabilities to banks 13%

Bonds 51%

103.6 bn €

Fed Funds

BCD’s

Industry-typical instruments

Bank-typical instruments

ABS 17%

BMWGroup continues to target a well diversified debt structure

BMW Group Investor Presentation, November 2019

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