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VOLKSWAGEN FINANCIAL SERVICES THE KEY TO MOBILITY Managing growth is the key challenge for Volkswagen Finance (China) Earning assets (in RMB bn) II Wholesale ■Retail 9.4 1.4 2011 +236 % 33.3 3.0 2014 More and more complex regulatory environment, locally and internationally High demand from the financing industry for experts in the labor market Limited funding diversification in the still restricted Chinese financing market Investor Meeting | VW FS AG | April 2015 13

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