Volkswagen Ag · XETR:VOW
Volkswagen — Paris Motorshow 2026
27 slides from Volkswagen's conference presentation, Oct 12, 2026
Slide 1: Role of Financial Services in BEV Expansion
Role of Financial Services in BEV Expansion Anthony Bandmann Chief Executive Officer of Volkswagen Financial Services AG & Chairman of the Supervisory Board of Volkswagen Financial Services Overseas AG 12 October 2026, Paris Motorshow
Slide 2: Disclaimer
Disclaimer The following presentations as well as remarks/comments and explanations in this context contain forward-looking statements on the business development of the Volkswagen Group. These statements are based on assumptions relating to the development of the economic, political and legal envir
Slide 3: Intro Volkswagen Group Mobility & Volkswagen Financial Services AG
1 Intro Volkswagen Group Mobility & Volkswagen Financial Services AG
Slide 4: Structure of Volkswagen Group Mobility
Structure of Volkswagen Group Mobility Financial Services Division Automotive Division Volkswagen Group Mobility Volkswagen Financial Porsche VCI/ Europcar Porsche * TRATON * Volkswagen Financial Financial Mobility Financial Services AG Services Overseas AG Services VCCI Group Bank Services * Other
Slide 5: Volkswagen Group Mobility at a glance
Volkswagen Group Mobility at a glance Business data as of 30 June 2026 Key figures Volkswagen Group Mobility operates in Total assets €299.9 bn 41 markets Equity €41.8 bn Direct bank deposits €79.9 bn Operating profit €1.67 bn Contracts (units) 28.0 mn Customer Leasing financing Business €68.2 bn €1
Slide 6: High penetration rates across the globe increase customer loyalty
High penetration rates across the globe increase customer loyalty Penetration1 by markets as of 30 June 2026 66% All 77% BEV 57% In Germany, the overall penetration rate is higher than in Europe and the penetration on Electric Vehicles of 77% is best in class Volkswagen Financial Services AG finance
Slide 7: Volkswagen Group Mobility serves a diverse customer base
Volkswagen Group Mobility serves a diverse customer base Share of customer groups (portfolio view) PRIVATE SMALL COMMERCIAL FLEET VEHICLE DEALERS (e.g. craftsmen, freelancers, (e.g. SMEs, mid-sized companies, large small law practices, start-ups) international corporations, public authorities, taxi
Slide 8: We offer a broad range of financial services and mobility products
We offer a broad range of financial services and mobility products Overview of Volkswagen Group Mobility products Non- Automotive (new and used vehicles) automotive Vehicle Vehicle on Automobile Dealer Direct bank financing Leasing Demand Insurance services Vehicle fleets financing • Call money • Th
Slide 9: VW Group Mobility holds ~28 million customer contracts
VW Group Mobility holds ~28 million customer contracts Portfolio Development (in k contracts) and Earning Assets (in bn EUR) 243,387 231,424 • Trend moves from 223,275 financing to leasing 205,736 195,539 195,144 • Growing non asset-based business 27,809 27,996 • Increase of earning assets 26,208 26
Slide 10: Captive as Orchestrator for Transition towards BEV Mobility
2 Captive as Orchestrator for Transition towards BEV Mobility
Slide 11: Strong Relationships in the Captive Triangle matter more than ever
Strong Relationships in the Captive Triangle matter more than ever DEALERS CUSTOMER FINANCIAL BRANDS SERVICES
Slide 12: Volkswagen Group Mobility offers four key benefits for the Group
Volkswagen Group Mobility offers four key benefits for the Group Return on Equity Risk Management Liquidity Sales Support & Customer Loyalty
Slide 13: A Captive is a strategic asset to drive downstream strategy
A Captive is a strategic asset to drive downstream strategy ~60 % Revenue Potential Upstream Downstream Electric vehicles Autonomous driving/ Battery After-Sales Premium/volume Mobility-as-a-Service Vehicle software Internal combustion Mobility services Financing and Used Cars engines Leasing Others
Slide 14: Downstream offers expand the automotive value chain and increase lifecycle value
Downstream offers expand the automotive value chain and increase lifecycle value We will stay with the We will stay with the Customer as long as we can, car as long as we can, because… because… …a customer spends “Downstream” offers …a customer spends 370,000 €1 about 80,000 €2 on car-related mobili
Slide 15: Volkswagen Group Mobility supports the Group in implementing its strategic priorities
Volkswagen Group Mobility supports the Group in implementing its strategic priorities Supporting the market ramp-up Driving the expansion of the Diligent Residual Value of e-mobility lifecycle strategy Management • BEV-campaigns together with Group brands • Vehicle Lifetime Concept • 60+ years of RV
Slide 16: Norway went through the BEV transition earlier than other markets
Norway went through the BEV transition earlier than other markets Share of BEV in new car registrations (2026: January to August) 100 Norway NORWAY 90 Germany Denmark BEV transition 80 „completed“ 70 60 GERMANY 50 Will follow with similar dynamics 40 30 DECIDING FACTOR 20 Actively use market 10 adva
Slide 17: Downstream is an accelerator in BEV transition
Downstream is an accelerator in BEV transition Example market Norway 96% HIGHEST BEV MATURITY IN EUROPE FOR MORE THAN 5 YEARS BEV SHARE IN NEW CAR REGISTRATIONS IN 2025 STRONG COMPETITION ca. 180,000 MANY BRANDS, HIGH PASSENGER CARS MODEL DENSITY REGISTRATIONS IN 2025 ca. 33% GOOD CHARGING INFRASTRU
Slide 18: Multiple factors influence residual values
Multiple factors influence residual values Technological Advancement Price Development & Incentives • Battery • Development of List Prices • Software • Discount Levels for New Cars • Own technology vs. Market level • Government Incentives • Technological USPs • Total Cost of Ownership Regulations Pr
Slide 19: BEV residual values are recovering after recent decline
BEV residual values are recovering after recent decline Residual Value in % of list price by engine type, Germany1 70 • Recently decline of petrol and diesel 65 residual values • Recently increase of 60 BEV residual values, following decline in the long run 55 • Residual values of Chinese competitor
Slide 20: Vehicle Trading International as remarketing powerhouse
Vehicle Trading International as remarketing powerhouse Synergies through improved international steering Optimization of used-vehicle revenues 481,000 440,000 Residual value management 377,000 274,000 Establish dealer partners as the preferred sales channel 192,000 2021 2022 2023 2024 2025 2026 Use
Slide 21: Unlock additional growth potential – FS business fields anchored in Target Picture 2030
Unlock additional growth potential – FS business fields anchored in Volkswagen Group Target Picture 2030 MARKET Fleet Business Used Cars After Sales REGIONS Insurance INDUSTRY
Slide 22: Financial Services make the difference
Financial Services make the difference WE DRIVE WE PROTECT WE GROW BEV TRANSFOR- VEHICLE DOWNSTREAM MATION LIFECYCLE BUSINESS VALUE
Slide 23: Range / consumptions / emissions
Range / consumptions / emissions Fuel consumption Electrical consumption CO2 emissions Electric range Model combined (WLTP) combined (WLTP) combined (WLTP) combined (WLTP) VW Golf R 8.1 – 8.5 l/100km n/a 184 -193 g/km n/a Golf 8 GTI 7.3 – 7.1 l/100km n/a 167 -162 g/km n/a ID.3 Neo n/a 14.3-15.7 kWh/
Slide 24: Range / consumptions / emissions
Range / consumptions / emissions Fuel consumption Electrical consumption CO2 emissions Electric range Model combined (WLTP) combined (WLTP) combined (WLTP) combined (WLTP) Škoda Vision O The vehicle is not yet offered for sale and is therefore not subject to Directive 1999/94/EC. Consumption and emi
Slide 25: Range / consumptions / emissions
Range / consumptions / emissions Fuel consumption Electrical consumption CO2 emissions Electric range Model combined (WLTP) combined (WLTP) combined (WLTP) combined (WLTP) Bentley Continental GT Speed 10.3 l/100 km 28.1 kWh/100km 29 g/km n/a Bentayga Speed 14.7 l/100 km n/a 335 g/km n/a Bugatti CHIR
Slide 26: Range / consumptions / emissions
Range / consumptions / emissions Fuel consumption Electrical consumption CO2 emissions Electric range Model combined (WLTP) combined (WLTP) combined (WLTP) combined (WLTP) Audi A5 7.7 – 4.8 l/100km n/a 176 – 125 g/km n/a Nuvolari 11.3l /100km 7.8 kWh (preliminary) 270 g/km Q4 e-tron 55 n/a 16.8 – 19
Slide 27: Volkswagen Group
VOLKSWAGEN GROUP