BMW Group Investor Presentation

DIVERSIFIED FUNDING MIX WITH A COMBINATION OF INDUSTRY AND BANK - TYPICAL FINANCING INSTRUMENTS. FUNDING INSTRUMENTS FINANCIAL DEBT AS OF FY 2020 <1yr 1yr 2yrs 3yrs 4yrs 5yrs 7yrs 10yrs+ CP (EMTN) PPS Banks loans ABCP ABS Fed Funds Customers deposits Brokered Certificate of Deposits Industry-typical instruments Bank-typical instruments Bonds BMW Group continues to target a well diversified debt structure BMW Group Investor Presentation | December 2021 Commercial paper 0.5% Other 1.2% Liabilities to banks 8.8% Liabilities from Consumer deposits 16.0% ABS 18.3% Sum: €103 bn. Bonds 55.2% 55-

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