BMW Group Investor Presentation

BMW GROUP Q3-2018. HIGH VOLATILITY AND COMPETITIVE MARKETS AS WELL AS INVESTMENTS IN FUTURE IMPACTED Q3-2018 RESULT. BMW Group Earnings before tax - Group (in m€) Q3-2018 1,845 Q3-2017* 2,503 Change in % -26.3 EBT margin (in %) – Group 7.5 10.6 -3.1 pp Automotive Segment Automotive sales (units) 592,303 590,415 +0.3 Earnings before interest and tax (EBIT) (in m€) 930 1,758 -47.1 EBIT margin (in %) 4.4 8.6 -4.2 pp Motorcycles Segment Sales (units) 39,818 39,429 +1.0 Earnings before interest and tax (EBIT) (in m€) 33 53 -37.7 EBIT margin (in %) 6.9 10.4 -3.5 pp Financial Services Earnings before tax (EBT) (in m€) Penetration rate (in %)** Credit loss ratio (in %)** 548 609 -10.0 49.4 46.7 +2.7 pp 0.24 0.30 -0.06 pp BMW Group Investor Presentation, December 2018 *restated according to new IFRS-15-Standard ** as of 9M-2018/2017 Page 40

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