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Bayerische Motoren Werke AG

Interim / Quarterly Report Nov 4, 2020

50_10-q_2020-11-04_9524d468-59c5-4830-90b9-db67922c37dd.pdf

Interim / Quarterly Report

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QUARTERLY STATEMENT

30 September 2020

CONTENTS

1 BMW GROUP AT A GLANCE

Page 4 BMW Group in Figures

2 INTERIM GROUP MANAGEMENT REPORT

Page 9 Report on Economic Position Page 9 General Economic Environment Page 10 Group Overview Page 12 Automotive Segment Page 18 Financial Services Segment Page 20 Report on Outlook, Risks and Opportunities Page 20 Outlook Page 24 Risks and Opportunities

3 INTERIM GROUP FINANCIAL STATEMENTS

  • Page 26 Income Statement
  • Page 30 Balance Sheet
  • Page 32 Cash Flow Statement

4 OTHER INFORMATION

Page 35 Contacts

BMW GROUP AT A GLANCE

Page 4 BMW Group in Figures

1

BMW Group at a Glance

BMW Group in Figures

BMW GROUP IN FIGURES

Key performance indicators reported during the year

• 01

3rd quarter 2020 3rd quarter 2019 Change in %
Group
Profit / loss before tax € million 2,464 2,248 9.6
Automotive segment
Deliveries1, 2 units 675,592 621,981 8.6
EBIT margin3 % (change in %pts) 6.7 6.6 0.1
Motorcycles segment
Deliveries units 52,892 43,744 20.9
EBIT margin3 % (change in %pts) 7.1 6.3 0.8

1 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 186,235 units, 2019: 126,878 units).

2 In connection with a review of its sales and related reporting practices, BMW Group reviewed prior period retailvehicle delivery data and determined that certain vehicle deliveries were not reported in the correct periods. Further information can be found in BMW Group's 2019 Annual Report on page 54. As an update of the information given there, BMW Group has revised the data on vehicle deliveries retrospectively going back to 2015 in its sixteen most significant markets.

3 Profit / loss before financial result as a percentage of segment revenues.

Further performance figures

• 02

3rd quarter 2020 3rd quarter 2019 Change in %
Automotive segment
Deliveries
BMW1, 2 units 585,239 533,215 9.8
MINI2 units 89,262 87,561 1.9
Rolls-Royce2 units 1,091 1,205 – 9.5
Total1, 2 675,592 621,981 8.6
Production volume
Total3 632,880 630,757 0.3
Financial Services segment
New contracts with retail customers 538,351 504,217 6.8
Free cash flow Automotive segment4 € million 3,065 714
Group revenues € million 26,283 26,667 –1.4
Automotive € million 21,962 23,016 – 4.6
Motorcycles € million 637 558 14.2
Financial Services € million 7,799 7,471 4.4
Other Entities € million 0 1
Eliminations € million – 4,115 – 4,379 6.0
Group profit/ loss before financial result (EBIT) € million 1,924 2,289 –15.9
Automotive € million 1,477 1,515 – 2.5
Motorcycles € million 45 35 28.6
Financial Services € million 438 606 – 27.7
Other Entities € million 18 1
Eliminations € million – 54 132
Group profit/ loss before tax (EBT) € million 2,464 2,248 9.6
Automotive € million 1,860 1,533 21.3
Motorcycles € million 44 35 25.7
Financial Services € million 458 597 – 23.3
Other Entities € million 118 – 26
Eliminations € million –16 109
Group income taxes € million – 649 – 702 7.5
Profit/ loss from continuing operations € million 1,815 1,546 17.4
Profit / loss from discontinued operations € million
Group net profit/ loss € million 1,815 1,546 17.4
Earnings per share5 2.71/ 2.71 2.31/ 2.31 17.3 / 17.3
Group pre-tax return on sales6 % (change in %pts) 9.4 8.4 1.0

1 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 186,235 units, 2019: 126,878 units).

2 In connection with a review of its sales and related reporting practices, BMW Group reviewed prior period retailvehicle delivery data and determined that certain vehicle deliveries were not reported in the correct periods. Further information can be found in BMW Group's 2019 Annual Report on page 54. As an update of the information given there, BMW Group has revised the data on vehicle deliveries retrospectively going back to 2015 in its sixteen most significant markets.

3 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 173,269 units, 2019: 136,582 units).

4 At the beginning of the financial year 2020, the starting point for determining cash flow was changed to profit / loss before tax; the previous year's figures have been adjusted accordingly.

5 Common / preferred stock. In computing earnings per share of preferred stock, earnings to cover the additional dividend of €0.02 per share of preferred stock are spread over the quarters

of the corresponding financial year.

6 Group profit / loss before tax as a percentage of Group revenues.

BMW Group at a Glance

BMW Group in Figures

BMW GROUP IN FIGURES

Key performance indicators reported during the year

• 03

1 January to
30 September
2020
1 January to
30 September
2019
Change in %
Group
Profit / loss before tax € million 2,962 5,063 – 41.5
Automotive segment
Deliveries1, 2 units 1,638,167 1,872,451 –12.5
EBIT margin3 % (change in %pts) 0.3 4.1 – 3.8
Motorcycles segment
Deliveries units 129,599 136,932 – 5.4
EBIT margin3 % (change in %pts) 6.4 12.1 – 5.7

1 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 437,549 units, 2019: 392,394 units).

2 In connection with a review of its sales and related reporting practices, BMW Group reviewed prior period retailvehicle delivery data and determined that certain vehicle deliveries were not reported in the correct periods. Further information can be found in BMW Group's 2019 Annual Report on page 54. As an update of the information given there, BMW Group has revised the data on vehicle deliveries retrospectively going back to 2015 in its sixteen most significant markets.

3 Profit / loss before financial result as a percentage of segment revenues.

Further performance figures

• 04

1 January to
30 September
2020
1 January to
30 September
2019
Change in %
Automotive segment
Deliveries
BMW1, 2 units 1,427,392 1,608,701 –11.3
MINI2 units 208,124 260,043 – 20.0
Rolls-Royce2 units 2,651 3,707 – 28.5
Total1, 2 1,638,167 1,872,451 –12.5
Production volume
Total3 1,577,130 1,925,758 –18.1
Financial Services segment
New contracts with retail customers 1,342,803 1,475,504 – 9.0
Free cash flow Automotive segment4 € million 552 1,024 – 46.1
Group revenues € million 69,508 74,844 – 7.1
Automotive € million 54,829 64,853 –15.5
Motorcycles € million 1,716 1,871 – 8.3
Financial Services € million 22,055 21,981 0.3
Other Entities € million 1 4 – 75.0
Eliminations € million – 9,093 –13,865 34.4
Group profit/ loss before financial result (EBIT) € million 2,633 5,079 – 48.2
Automotive € million 152 2,674 – 94.3
Motorcycles € million 110 226 – 51.3
Financial Services € million 1,057 1,860 – 43.2
Other Entities € million 43 7
Eliminations € million 1,271 312
Group profit/ loss before tax (EBT) € million 2,962 5,063 – 41.5
Automotive € million 767 2,989 – 74.3
Motorcycles € million 108 222 – 51.4
Financial Services € million 1,039 1,797 – 42.2
Other Entities € million – 290 –181 60.2
Eliminations € million 1,338 236
Group income taxes € million – 785 –1,493 47.4
Profit/ loss from continuing operations € million 2,177 3,570 – 39.0
Profit / loss from discontinued operations € million 44
Group net profit/ loss € million 2,177 3,614 – 39.8
Earnings per share5 3.20 / 3.21 5.37/ 5.38 – 40.4 / – 40.3
Group pre-tax return on sales6 % (change in %pts) 4.3 6.8 – 2.5

1 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 437,549 units, 2019: 392,394 units).

2 In connection with a review of its sales and related reporting practices, BMW Group reviewed prior period retailvehicle delivery data and determined that certain vehicle deliveries were not reported in

the correct periods. Further information can be found in BMW Group's 2019 Annual Report on page 54. As an update of the information given there, BMW Group has revised the data on vehicle deliveries retrospectively going back to 2015 in its sixteen most significant markets.

3 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 426,409 units, 2019: 381,416 units).

4 At the beginning of the financial year 2020, the starting point for determining cash flow was changed to profit / loss before tax; the previous year's figures have been adjusted accordingly.

5 Common / preferred stock. In computing earnings per share of preferred stock, earnings to cover the additional dividend of €0.02 per share of preferred stock are spread over the quarters

of the corresponding financial year.

6 Group profit / loss before tax as a percentage of Group revenues.

INTERIM GROUP MANAGEMENT REPORT

  • Page 9 Report on Economic Position
  • Page 9 General Economic Environment
  • Page 10 Group Overview
  • Page 12 Automotive Segment
  • Page 18 Financial Services Segment

Page 20 Report on Outlook, Risks and Opportunities

Page 20 Outlook

Page 24 Risks and Opportunities

Interim Group Management Report

Report on Economic Position General Economic Environment

REPORT ON ECONOMIC POSITION

International automobile markets volatile overall

BMW Group achieves sales volume growth in third quarter

GENERAL ECONOMIC ENVIRONMENT IN THE FIRST NINE MONTHS OF 2020

International automobile markets show first signs of recovery while remaining volatile

International automobile markets were subject to volatility during the period from January to September 2020. Whereas registrations collapsed to some extent, especially in the second quarter, due to the lockdowns imposed for several weeks in response to the corona pandemic, international automobile markets showed the first signs of recovery during the period from July to September. In China, for instance, new registrations returned to their upward trajectory. The situation in the USA and Europe also stabilised in September. Overall, however, the automobile markets were down on the previous year (50.45 million units; – 19 %).

Key automobile markets for the nine-month period developed year-on-year as follows:

International automobile markets • 05

Change in %
EU – 28
thereof Germany – 25
thereof France – 29
thereof Italy – 34
thereof Spain – 38
United Kingdom (UK) – 33
USA –19
China –10
Japan –18
Total –19

Interim Group Management Report

Report on Economic Position General Economic

Environment Group Overview

Solid sales volume growth in third quarter

Group Overview

In the third quarter 2020, the BMW Group's sales volume recovered from the disruptive effects of the coronavirus pandemic in the second quarter. In some markets, deliveries to customers were even significantly up on the same quarter last year. Deliveries to customers during the period from July to September increased solidly to 675,592 1 units (2019: 621,981 1, 2 units; + 8.6 %). However, figures for the nine-month period continued to be influenced by the corona pandemic. In view of these factors, the BMW Group delivered 1,638,167 3 BMW, MINI and Rolls-Royce brand vehicles to customers during the first nine months of the year, 12.5 % fewer than in the same period of the previous year (2019: 1,872,451 2, 3 units).

In total, 5,578,149 contracts were in place with retail customers in the Financial Services segment at 30 September 2020 (31 December 2019: 5,486,319; + 1.7 %). A total of 538,351 new lease and credit financing contracts were signed during the third quarter with retail customers worldwide, 6.8 % more than one year earlier (2019: 504,217 new contracts). For the period from January to September, the number of new contracts fell by 9.0 % to 1,342,803 contracts (2019: 1,475,504 new contracts).

Group earnings impacted by corona pandemic – third-quarter earnings benefit from pent-up demand

At € 69,508 million, Group revenues were moderately down for the nine-month period (2019: € 74,844 million; – 7.1 %, currency-adjusted: – 6.2 %) and slightly lower for the third quarter at € 26,283 million (2019: € 26,667 million; – 1.4 %, currency-adjusted: + 1.3 %). The main negative factor was the decline in demand due to corona-related dealership closures and stayat-home restrictions during the first half of the year. The recovery in China seen in the second quarter continued throughout the period from July to September,

a trend reflected in revenue growth at the level of the Chinese joint venture BMW Brilliance Automotive Ltd., Shenyang. Customer demand for new and pre-owned vehicles also recovered in the third quarter, partly caused by pent-up demand and changes in mobility behaviour in other key sales markets of the BMW Group. The latter trend was also reflected in the higher level of revenue generated from the sale of returned lease vehicles. Favourable product mix effects due to the less pronounced drop in the sale of high-revenue models partially offset the effect of lower volumes. In addition, better selling prices on the back of the rejuvenated product portfolio as well as the pent-up demand effects described above had a positive effect. Due to the lower volume of new leasing business during the first half of the year as well as lower expected new leasing business, the amount of revenues eliminated on consolidation fell compared to the previous year.4

Group cost of sales totalled € 60,668 million (2019: € 61,674 million; – 1.6 %), slightly down on the corresponding nine-month period one year earlier. Particularly in the first half of the year, reduced manufacturing costs due to lower sales volumes were partially offset by increased expenses recognised for risk provisions, mostly arising in connection with the measurement of residual value and credit risks. In the third quarter, the cost of sales of products previously leased to customers constituted a significant component of cost of sales, mirroring the impact on revenues. Furthermore, the eliminations described above had an equal and opposite impact on cost of sales and resulted in a year-on-year decrease in the amount of cost of sales eliminated on consolidation.

At € 4,397 million, research and development expenditure was slightly lower than in the previous year (2019: € 4,448 million; – 1.1%). Whereas the amount reported for the first nine months of the previous year was influenced by higher expenses in connection with the new model initiative, the current year's figure was impacted by the higher amount of development costs capitalised for projects nearing the completion stage.

1 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 186,235 units, 2019: 126,878 units).

3 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 437,549 units, 2019: 392,394 units). 4 See Annual Report 2019, note 4to the Group Financial Statements.

2 In connection with a review of its sales and related reporting practices, BMW Group reviewed prior period retailvehicle delivery data and determined that certain vehicle deliveries were not reported in the correct periods. Further information can be found in BMW Group's 2019 Annual Report on page 54. As an update of the information given there, BMW Group has revised the data on vehicle deliveries retrospectively going back to 2015 in its sixteen most significant markets.

Interim Group Management Report Report on Economic Position

• 06

General Economic Environment

Group Overview

BMW Group performance indicators relating to research and development expenses

in % 3rd quarter
2020
3rd quarter
2019
Change
in %pts
1 January to
30 September
2020
1 January to
30 September
2019
Change
in %pts
Research and development expenses as a percentage of revenues 5.3 5.4 – 0.1 6.0 5.7 0.3
Research and ­development expenditure ratio1 5.9 6.1 – 0.2 6.3 5.9 0.4
Capitalisation rate2 36.4 35.3 1.1 34.7 31.7 3.0
in € million 3rd quarter
2020
3rd quarter
2019
Change in % 1 January to
30 September
2020
1 January to
30 September
2019
Change in %
Research and development expenses 1,406 1,451 – 3.1 4,140 4,247 – 2.5
Capitalised development costs 562 571 –1.6 1,527 1,411 8.2
Amortisation – 423 – 404 4.7 –1,270 –1,210 5.0
Research and development expenditure3 1,545 1,618 – 4.5 4,397 4,448 –1.1

1 Research and development expenditure as a percentage of Group revenues. 2 Capitalised development costs as a percentage of research and development expenditure.

3 Research and development expenditure comprises the sum of research and non-capitalised development cost and capitalised development cost

(not including the associated scheduled amortisation).

Selling and administrative expenses fell moderately by 6.1 % to € 6,258 million for the nine-month period (2019: € 6,665 million). The decrease was mainly attributable to lower personnel expenses, partly due to a year-onyear reduction in the workforce size and scaled-down performance-related remuneration components. Lower expenses for communications and marketing as well as strict fixed cost management also continued to make a contribution to improved earnings. The net amount of other operating income and expenses recorded for the nine-month period improved by € 1,477 million, reflecting the fact that a provision of approximately € 1.4 billion had been recognised in the first quarter of 2019 in connection with ongoing antitrust proceedings 4 .

Group profit before financial result for the ninemonth period fell significantly to € 2,633 million (2019: € 5,079 million; – 48.2%) due to the various negative impacts on gross profit described above. In the third quarter, Group profit before financial result amounted to € 1,924 million (2019: € 2,289 million; – 15.9%).

The financial result was a net positive amount of € 329 million (2019: net negative amount of € 16 million) for the nine-month period and a net positive amount of € 540 million (2019: net negative amount of € 41 million) for the third quarter. The performance benefited in particular from higher at-equity earnings from the Chinese joint venture BMW Brilliance Automotive Ltd., Shenyang (2020: €  959 million; 2019: € 728 million) and from the gain recorded by THERE Holding B.  V. on the sale of shares in the mapping service provider HERE International B. V. to Mitsubishi Corporation (MC) and Nippon Telegraph and Telephone Corporation (NTT) 5in the first half of the year. In the third quarter, sundry other financial result was also positively impacted by gains arising on interest rate hedges as well as on the market valuation of investments.

Driven by a combination of revitalised sales markets, positive effects recorded within selling and administrative expenses and an improved financial result, Group net profit amounted to € 2,464 million for the third quarter, representing a solid increase on the previous year (2019: €  2,248 million; + 9.6 %). The positive effects described above were unable to make up for the impact of the corona pandemic on the BMW Group's business, particularly in the first half of the year. As a result, Group profit before tax for the first nine months of the year fell to € 2,962 million (2019: € 5,063 million; – 41.5 %).

4 Further information is provided in note 6 to the

Interim Group Financial Statements for the period ended 30 June 2020.

Financing activities

The BMW Group issued bonds for a total amount of € 9.2 billion during the first three quarters of the year, including a Euro benchmark bond, two Panda bonds on the Chinese capital market and a 144a bond on the US capital market. In addition, ABS transactions were issued or prolonged in Germany, the USA, China, Japan, the UK, Australia and Canada with a total financing volume of approximately € 11.4 billion.

The BMW Group continues to have very good access to the world's major capital markets. Liquidity-related measures were put in place during the first half of the year to enable the Group to respond flexibly to ongoing uncertainties caused by the corona pandemic. Group liquidity totalled € 21.8 billion at the end of the reporting period (31 December 2019: € 17.4 billion) and thus remains at a solid level.

5 Further information is provided in note 2 to the Interim Group Financial Statements for the period ended 30 June 2020.

Interim Group Management Report

Report on Economic Position General Economic

Environment Automotive Segment

Automobile deliveries up in third quarter

Automotive Segment

The BMW Group recorded a solid increase in automobile deliveries in the third quarter 2020. In some markets, deliveries to customers between July and September were even significantly up on one year earlier. During this period, the BMW Group recorded yearon-year volume growth of 8.6%, with 675,592 1 units delivered to customers (2019: 621,981 1, 2 units). In line with expectations, however, with a total of 1,638,167 3 BMW, MINI and Rolls-Royce brand vehicles, the cumulative volume sold worldwide in the first nine months of the year reflects the global impact of the corona pandemic (2019: 1,872,451 2, 3 units; – 12.5%).

Third-quarter deliveries of BMW brand vehicles rose by 9.8 % to 585,239 1 units (2019: 533,215 1, 2 units), while MINI finished 1.9 % up for the three-month period at 89,262 units (2019: 87,561 2 units). Rolls-Royce delivered 1,091 units to customers (2019: 1,205 2 units; – 9.5 %) during the three-month period.

Automotive segment at a glance

• 07

Growth recorded in many markets after corona-related slump

Customer demand rose in many markets during the third quarter 2020. Over the nine-month period, however, the repercussions of the corona pandemic particularly affected business during the first half of the year.

In Europe, the BMW Group recorded overall growth of 7.1 % in the third quarter with 275,740 units delivered to customers (2019: 257,540 2 units). In the period from January to September, deliveries to customers across markets in Europe fell to 648,494 units (2019: 807,780 2 units; – 19.7 %).

In Germany, the BMW Group recorded significant growth in the third quarter (87,060 units, 2019: 76,797 2 units; + 13.4 %), whereas for the nine-month period deliveries to customers fell to 203,422 units (2019: 238,222 2 units; – 14.6 %).

3rd quarter 2020 3rd quarter 2019 Change in %

Deliveries1, 4 units 675,592 621,9812 8.6
Production5 units 632,880 630,757 0.3
Revenues € million 21,962 23,016 – 4.6
Profit / loss before financial result (EBIT) € million 1,477 1,515 – 2.5
EBIT margin4, 6 % (change in %pts) 6.7 6.6 0.1
Profit / loss before tax € million 1,860 1,533 21.3
1 January to
30 September
2020
1 January to
30 September
2019
Change in %
Deliveries3, 4 units 1,638,167 1,872,4512 –12.5
Production7 units 1,577,130 1,925,758 –18.1
Revenues € million 54,829 64,853 –15.5
Profit / loss before financial result (EBIT) € million 152 2,674 – 94.3
EBIT margin4, 6 % (change in %pts) 0.3 4.1 – 3.8
Profit / loss before tax € million 767 2,989 – 74.3

1 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 186,235 units, 2019: 126,878 units).

2 In connection with a review of its sales and related reporting practices, BMW Group reviewed prior period retailvehicle delivery data and determined that certain vehicle deliveries were not reported in the correct periods. Further information can be found in BMW Group's 2019 Annual Report on page 54. As an update of the information given there, BMW Group has revised the data on vehicle deliveries retrospectively going back to 2015 in its sixteen most significant markets.

3 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 437,549 units, 2019: 392,394 units).

4 Key performance indicators reported on during the year.

5 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 173,269 units, 2019: 136,582 units).

6 Profit / loss before financial result as a percentage of Automotive segment revenues.

7 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 426,409 units, 2019: 381,416 units).

Interim Group Management Report Report on Economic Position General Economic

In the UK, third-quarter sales figures recovered to 54,733 units (2019: 56,861 1 units; – 3.7 %) following the corona-related slump in the first half of the year. Between January and September, 118,652 units were delivered to customers (2019: 177,443 1 units; – 33.1 %).

Environment Automotive Segment

The Americas region has also been hit hard by the consequences of the pandemic. Deliveries to customers across the region fell to 99,356 units (2019 119,645 1 units; – 17.0 %) for the third quarter and to 251,936 units for the nine-month period (2019: 339,201 1 units; – 25.7 %).

Within this region, the US market continued to be negatively impacted during the third quarter by the pandemic. Deliveries to customers there totalled 78,905 units between July and September (2019: 93,631 1 units; – 15.7%) and 200,286 units between January to September (2019: 265,694 1 units; – 24.6%).

In Asia, the BMW Group increased automobile deliveries to customers significantly by 24.8% to 288,907 units (2019: 231,417 1 units) in the third quarter and by 3.0% to 705,789 units between January and September 2020 (2019: 685,293 1 units).

In China, the largest single market in the Asia region, a significant recovery had already set in during the second quarter. In the third quarter, deliveries were up by 31.0 % compared to one year earlier (230,920 2 units; 2019: 176,225 1, 2 units). Over the nine-month period, 560,367 3 units were delivered to customers, up 6.4 % in the same period one year earlier (2019: 526,802 1, 3 units).

Automotive segment deliveries of vehicles by region and market • 08

3rd quarter 2020 3rd quarter 20191 Change in % 30 September
2020
30 September
20191
Change in %
275,740 257,540 7.1 648,494 807,780 –19.7
87,060 76,797 13.4 203,442 238,222 –14.6
54,733 56,861 – 3.7 118,652 177,443 – 33.1
99,356 119,645 –17.0 251,936 339,201 – 25.7
78,905 93,631 –15.7 200,286 265,694 – 24.6
288,9072 231,4172 24.8 705,7893 685,2933 3.0
230,9202 176,2252 31.0 560,3673 526,8023 6.4
11,589 13,379 –13.4 31,948 40,177 – 20.5
675,5922 621,9812 8.6 1,638,1673 1,872,4513 –12.5
1 January to
1 January to

1 In connection with a review of its sales and related reporting practices, BMW Group reviewed prior period retailvehicle delivery data and determined that certain vehicle deliveries were not reported in the correct periods. Further information can be found in BMW Group's 2019 Annual Report on page 54. As an update of the information given there, BMW Group has revised the data on vehicle deliveries retrospectively going back to 2015 in its sixteen most significant markets.

2 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 186,235 units, 2019: 126,878 units).

3 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 437,549 units, 2019: 392,394 units).

Interim Group Management Report Report on Economic Position General Economic

Environment Automotive Segment

Automotive segment deliveries of BMW brand vehicles

Third-quarter deliveries of BMW brand vehicles were 9.8 % higher than one year earlier (585,239 1 units; 2019: 533,215 1, 2 units). Coronavirus-related reductions

in production and sales volumes arising in the second quarter contributed to an 11.3 % decrease over the nine-month period (1,427,392 3 units; 2019: 1,608,701 2, 3 units). Details are shown in the following table.

Automotive segment deliveries of BMW vehicles by model series 3

1 January to
30 September
1 January to
30 September
in units 2020 20192 Change in %
BMW i 18,356 31,274 – 41.3
BMW 1 Series 117,871 129,655 – 9.1
BMW 2 Series 73,324 93,305 – 21.4
BMW 3 Series 266,774 253,032 5.4
BMW 4 Series 27,590 60,436 – 54.3
BMW 5 Series 216,184 259,532 –16.7
BMW 6 Series 14,144 18,575 – 23.9
BMW 7 Series 31,169 36,247 –14.0
BMW 8 Series 15,634 7,493 108.6
BMW Z4 12,226 11,929 2.5
BMW X1 161,302 199,981 –19.3
BMW X2 54,216 72,585 – 25.3
BMW X3 206,396 230,391 –10.4
BMW X4 40,012 44,816 –10.7
BMW X5 114,228 116,644 – 2.1
BMW X6 24,961 17,738 40.7
BMW X7 33,005 25,068 31.7
BMW total 1,427,392 1,608,701 –11.3

1 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 186,235 units, 2019: 126,878 units).

2 In connection with a review of its sales and related reporting practices, BMW Group reviewed prior period retailvehicle delivery data and determined that certain vehicle deliveries were not reported in

the correct periods. Further information can be found in BMW Group's 2019 Annual Report on page 54. As an update of the information given there, BMW Group has revised the data on vehicle deliveries retrospectively going back to 2015 in its sixteen most significant markets.

3 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2020: 437,549 units, 2019: 392,394 units).

Interim Group Management Report Report on Economic Position General Economic Environment

Automotive Segment

MINI deliveries up in third quarter

Deliveries of MINI brand vehicles totalled 89,262 units (2019: 87,561 1 units; + 1.9%) in the third quarter and 208,124 units (2019: 260,043 1 units; – 20.0%) for the nine-month period. Details are shown in the following table.

Automotive segment deliveries of MINI vehicles by model variant

• 10

in units 1 January to
30 September
2020
1 January to
30 September
20191
Change in %
MINI Hatch (3- and 5-door) 111,648 131,403 –15.0
MINI Convertible 18,868 24,467 – 22.9
MINI Clubman 24,213 30,641 – 21.0
MINI Countryman 53,395 73,532 – 27.4
MINI total 208,124 260,043 – 20.0

Rolls-Royce

Rolls-Royce Motor Cars delivered 1,091 units to customers during the third quarter (2019: 1,205 1 units; – 9.5 %) and 2,651 units over the first nine months of the year (2019: 3,707 1 units; – 28.5 %). The new Rolls-Royce Ghost2 was presented in September and the first deliveries are scheduled for the end of the fourth quarter. Details are shown in the following table.

Automotive segment deliveries of Rolls-Royce vehicles by model variant • 11

in units 1 January to
30 September
2020
1 January to
30 September
20191
Change in %
Phantom 250 455 – 45.1
Ghost 242 509 – 52.5
Wraith / Dawn 640 974 – 34.3
Cullinan 1,519 1,769 –14.1
Rolls-Royce total 2,651 3,707 – 28.5

Electric mobility as substantial growth driver

During the first nine months of 2020, the BMW Group sold a total of 116,381 electrified vehicles worldwide (2019: 96,9711 units), up by 20 % on the previous year. The first units of the BMWiX32 will be delivered before the end of the current year, making the X3 the first model to be available with a choice of four drivetrain systems (petrol, diesel, plug-in hybrid and all-electric).

Automotive segment deliveries of electrified models

• 12

in units 1 January to
30 September
2020
1 January to
30 September
20191
Change in %
BMW i 18,356 31,274 – 41.3
BMW e 79,195 53,697 47.5
MINI Electric 18,830 12,000 56.9
Total 116,381 96,971 20.0

1 In connection with a review of its sales and related reporting practices, BMW Group reviewed prior period retailvehicle delivery data and determined that certain vehicle deliveries were not reported in the correct periods. Further information can be found in BMW Group's 2019 Annual Report on page 54. As an update of the information given there, BMW Group has revised the data on vehicle deliveries retrospectively going back to 2015 in its sixteen most significant markets.

2 Fuel consumption and CO2 emissions information are available on page 17.

Interim Group Management Report Report on Economic Position General Economic

Environment Automotive Segment

Earnings adversely impacted by pandemic – signs of recovery in third quarter

The Automotive segment's profit before financial result amounted to € 152 million (2019: € 2,674 million; – 94.3 %) for the nine-month period and € 1,477 million (2019: € 1,515 million; – 2,5 %) for the third quarter.

Whereas earnings in the first half of the year were impacted in particular by lower delivery volumes as well as by expenses recognised in connection with the residual value of leased products, third-quarter earnings improved in light of the perceptible recovery of key sales markets. As in the first six months of the year, a favourable product mix due to the less pronounced drop in the sale of high-revenue models and higher selling prices on the back of a strong product portfolio had a positive impact on earnings in the third quarter. In addition, strict fixed cost management also contributed to the improvement of the quality of earnings, despite the recognition of expenses in conjunction with structural measures.

The net amount of other operating income and expenses improved as a result of the provision recognised in the previous financial year in connection with ongoing antitrust proceedings 1 , the expense for which was recorded within other operating expenses. 1 Further information is provided in note 6 to the Interim Group

At € 615 million, the Automotive segment's ninemonth financial result was significantly up on the previous year (2019: € 315 million), boosted in particular by the improved result from equity-accounted investments, as described above. Financial Statements for the period ended 30 June 2020.

Segment profit before tax for the third quarter improved accordingly to €  1,860 million (2019: € 1,533 million; + 21.3%). For the nine-month period, however, it amounted to €  767 million (2019: €  2,989 million; – 74.3 %).

Free cash flow and net financial assets

Free cash flow Automotive segment for the period from 1 January to 30 September 2 • 13

in € million 2020 2019 Change
Cash inflow (+) / outflow (–) from operating activities 3,047 6,144 – 3,097
Cash inflow (+) / outflow (–) from investing activities –1,472 – 5,151 3,679
Net investment in marketable securities and investment funds –1,023 31 –1,054
Free cash flow Automotive segment 552 1,024 – 472

2 At the beginning of the financial year 2020, the starting point for determining cash flow was changed to profit / loss before tax; the previous year's figures have been adjusted accordingly.

Free cash flow generated by the Automotive segment totalled € 552 million for the period from January to September 2020, whereby the year-on-year decrease was attributable primarily to the pandemic-related deterioration in pre-tax operating earnings in the first half of the year. In the third quarter, cash flows from operating activities were positive, reflecting the impact of growing customer demand, systematic working capital management and cost savings.

Cash flows from investing activities for the ninemonth period were influenced by the careful management of capital expenditure and in the previous year by the cash outflows, particularly those used to acquire the YOUR NOW companies and for investments in the production network.

17

Interim Group Management Report

Report on Economic Position General Economic Environment

• 14

Automotive Segment

Net financial assets Automotive segment

Net financial assets comprised the following:

in € million 30. 9. 2020 31.12. 2019 Change
Cash and cash equivalents 14,087 9,077 5,010
Marketable securities and investment funds 3,390 4,470 –1,080
Intragroup net financing –1,034 7,784 – 8,818
Financial assets 16,443 21,331 – 4,888
Less: external financial liabilities* – 2,942 – 3,754 812
Net financial assets Automotive segment 13,501 17,577 – 4,076

*Excluding derivative financial instruments.

The decrease in net financial assets was mainly attributable to lower free cash flow and the payment of the dividend (approximately € 1.6 billion) for the financial year 2019.

BMW Group fuel consumption and CO2 emissions information • 15

Model Fuel consumption
in l/ 100 km
(combined)
CO2 emissions
in g / km
(combined)
Electric power
consumption
in kWh / 100 km
(combined)
BMW iX3 0 0 17.8 –17.5
Rolls-Royce Ghost 15.0 343

Financial Services Segment

Report on Economic Position General Economic

Environment Financial Services Segment

Financial Services business also held down by corona pandemic

Financial Services segment revenues for the period from July to September 2020 were slightly up on the previous year. Segment profit before tax for the third quarter was nevertheless significantly lower than one year earlier. As in the first half of the year, the main reason for this development was the recognition of risk provisioning expenses for credit and residual value risks.

The initial and ongoing assessment of customer creditworthiness is one of the key pillars of the BMW Group's credit risk management strategy. Allowances for expected credit losses were increased slightly in the third quarter in order to reflect the potential longerterm economic impact of the corona pandemic on retail and dealership business for accounting purposes. The amounts recognised were based on reasonable, well-founded information and estimates available at the end of the reporting period.

The credit risk management measures implemented during the first half of 2020 in the areas of dealership and customer financing, including moratoriums and temporary increases in credit lines for dealerships, were scaled back in many markets towards the end of the third quarter.

Compared to the previous three-month period, the remarketing of returned lease vehicles improved during the third quarter 2020. After a number of months during which lockdown restrictions had affected selling activities and caused reduced vehicle availability, demand for new and pre-owned vehicles increased. The economic consequences of the pandemic, particularly for the medium-term development of pre-owned vehicle markets across the world within the premium segment continue to be exposed to a higher level of uncertainty. Accordingly, further market-specific measures were also taken during the third quarter in terms of the level of risk provisioning expense recognised for the portfolio of vehicles subject to residual value risks.

The Financial Services segment monitors and provides for core business risks on an ongoing and comprehensive basis. Even though the situation may have eased in most markets in the third quarter, in light of the continued volatility caused by the corona pandemic on the one hand and the lack of any historical comparability on the other, it cannot be ruled out that additional expenses may need to be recognised in subsequent quarters. Based on current assessments, however, the Financial Services segment has recognised appropriate levels of provisions / allowances to cover residual value and credit risks.

Due to the effects of the corona pandemic, in balance sheet terms, business volumes with retail customers and dealerships declined moderately compared to the end of 2019.

3rd quarter 2020 3rd quarter 2019 Change in %
New contracts with retail customers 538,351 504,217 6.8
Revenues € million 7,799 7,471 4.4
Profit before financial result (EBIT) € million 438 606 – 27.7
Profit before tax € million 458 597 – 23.3
1 January to
30 September
2020
1 January to
30 September
2019
Change in %
New contracts with retail customers 1,342,803 1,475,504 – 9.0
Revenues € million 22,055 21,981 0.3
Profit before financial result (EBIT) € million 1,057 1,860 – 43.2
Profit before tax € million 1,039 1,797 – 42.2
30. 9. 2020 31. 12. 2019 Change in %
Total contract portfolio 5,936,975 5,973,682 – 0.6
Contract portfolio with retail customers 5,578,149 5,486,319 1.7
Business volume in balance sheet terms* € million 131,268 142,834 – 8.1

*Calculated on the basis of the lines Leased products and Receivables from sales financing (current and non-current) of the Financial Services segment balance sheet.

Financial Services segment at a glance • 16

Interim Group Management Report Report on Economic

Position General Economic Environment

Financial Services Segment

New business with retail customers up in third quarter

With a total of 538,351 new contracts, credit financing and leasing business with retail customers grew solidly in the third quarter (2019: 504,217 contracts; + 6.8%), mainly due to the resurgent demand for financial products in Europe and China.

However, the total figure for the nine-month period fell moderately to 1,342,803 new contracts (2019: 1,475,504 new contracts; – 9.0 %), with new credit financing business down by 6.5% and new leasing business down by 13.9%. Overall, leasing accounted for 31.9% and credit financing for 68.1% of new business in the nine-month period under report.

Customer demand for pre-owned vehicles picked up strongly in some key sales markets. New contracts signed during the period from January to September included 305,369 credit financing and leasing contracts relating to pre-owned BMW and MINI brand vehicles (2019: 297,678 contracts; + 2.6%).

New business from credit financing and leasing contracts concluded with retail customers during the first nine months of the year fell moderately by 7.2% to € 41,311 million (2019: € 44,497 million).

In the period from January to September, 50.5 %  1 of new BMW Group vehicles were either leased or financed by the Financial Services segment (2019: 51.4%; – 0.9 percentage points), and therefore in line with the previous year's level.

At 30 September 2020, a total of 5,578,149 credit financing and leasing contracts were in place with retail customers, slightly above the level recorded at the end of 2019 (31 December 2019: 5,486,319 contracts; + 1.7%). While the number of new contracts signed in China grew solidly (+ 5.8 %) and in the Europe / Middle East / Africa region slightly (+ 3.5%), figures for the EU Bank 2 region remained at a similar level to the previous year (+ 0.8%). By contrast, the contract portfolios in the Americas and Asia / Pacific regions fell slightly by 1.1% and 1.7% respectively.

only includes automobile markets in which the Financial Services segment is represented by a consolidated entity or

1 The calculation

a branch office.

Fleet business slightly down year-on-year

Operating under the brand name Alphabet, the BMW Group offers leasing and financing arrangements as well as other specific services to commercial customers. A portfolio of 707,434 contracts was in place at 30 September 2020 (31 December 2019: 717,353 contracts; – 1.4 %).

Dealership financing significantly down on previous year

The total volume of dealership financing stood at € 15,040 million at 30 September 2020 and was therefore 29.1% lower than nine months earlier (31 December 2019: €  21,227 million) due to lower dealer inventory.

Eliminations

The pre-tax effect of eliminations was a positive amount of € 1,338 million (2019: positive € 236 million) for the nine-month period and a negative amount of € 16 million (2019: positive € 109 million) for the third quarter.

The main drivers were reversal effects from the leased products portfolio and lower eliminations due to the decline in new leasing business.

2 EU Bank comprises BMW Bank GmbH, with its branches in Italy, Spain and Portugal.

Interim Group Management Report

Report on Outlook, Risks and Opportunities Outlook

REPORT ON OUTLOOK, RISKS AND OPPORTUNITIES

Contraction of global economy and automobile markets

OUTLOOK

The report on outlook, risks and opportunities describes the expected development of the BMW Group, including the significant risks and opportunities, from a Group management perspective. It contains forward-looking statements based on expectations and assessments that are subject to uncertainty. As a result, actual outcomes, including those attributable to political, legal and economic developments, could differ positively or negatively from those described below. More detailed information on this topic is provided in the Annual Report 2019 (Outlook, pp. 84, Risks and Opportunities, pp. 90).

Interim Group Management Report Report on Outlook, Risks and

Opportunities Outlook

International automobile markets

International automobile markets are likely to contract significantly in 2020 as a result of corona-related lockdowns worldwide. The IMF currently expects global economic output to shrink by 4.4%. The scale of the downturn will largely depend on the further course of the pandemic and the economic stimulus programmes implemented in various countries.

International automobile markets 2020 • 17

Change in %
EU – 25
thereof Germany – 22
thereof France – 26
thereof Italy – 28
thereof Spain – 36
UK – 29
USA –16
China – 7
Japan – 21
Total –16

Outlook for the BMW Group Assumptions used in the outlook

At the time the Annual Report 2019 was published in March 2020, the BMW Group's assessment was still based on the assumption that the sales situation across all key markets would return to normal after a few weeks. Measures to contain the spread of the corona pandemic, such as lockdowns and restrictions on business, particularly in Europe and America, have since been extended and so far only very gradually eased. To some extent, the easing of lockdown measures has already been reversed. The prolonged restrictions put in place to curb the pandemic are weighing heavily on global growth and continue to cloud the economic outlook for 2020.

The current assessment assumes a further recovery in the fourth quarter, despite currently increasing infection figures in many markets. Since the beginning of November, restrictions in public and private life have been put back in place in large parts of Europe. This outlook does not take account of the potential impact of a protracted, deep recession in key sales markets, an economic downturn in China as a result of recessions in other economic regions, major market supply disruptions in the wake of even greater competition, or a significant deterioration in the situation with nationwide lockdowns and stricter containment measures in response to the corona pandemic.

The prevailing high level of uncertainty makes accurate forecasting difficult and has resulted in a combination of scenarios being incorporated in the forecast. This approach is reflected in the broader range of EBIT now being forecast for the Automotive segment for 2020.

Interim Group Management Report Report on Outlook, Risks and

Opportunities Outlook

Overall assessment by Group management

Within a volatile economic environment, dominated by the global spread of coronavirus, the BMW Group expects reported figures to be significantly down for the financial year 2020. Under normal circumstances, business would benefit from the numerous new automobile and motorcycle models as well as the individual mobility-related services on offer. However, this positive momentum is currently being outweighed by the impact of the negative developments currently affecting the global economy described above. Research and development expenses will remain at a high level in view of ongoing future-oriented projects. Driven by the global impact of the corona crisis, the BMW Group's pre-tax earnings for the current financial year are likely to decline significantly year-on-year.

Due to the proliferation of the virus, sales volumes in the Automotive segment are expected to be significantly down on the previous year. In light of the adverse factors described above, the Automotive segment EBIT margin is expected to lie within a range between 0 and 3 % in 2020, as already communicated in the Quarterly Statement to 31 March 2020. The segment RoCE1 is also predicted to be well below the previous year's level. At the same time, fleet carbon dioxide emissions 2 are forecast to drop significantly, through which the emissions targets will be achieved.

The Financial Services segment is expected to be affected by an even steeper decline in new business as well as a volatile risk environment, mainly due to the unfavourable economic outlook. Accordingly, as previously reported, a moderate year-on-year decrease in segment RoE3 is forecast.

Motorcycles segment deliveries to customers are expected to decrease moderately over the year as a whole. The EBIT margin is currently forecast to lie within a range between 3 and 5%, with RoCE significantly below the previous year's level.

The targets are to be achieved with a workforce size which – based on the new method of calculation described in the Annual Report 2019 – will be slightly below the level recorded one year earlier. The planned reduction will be achieved through a combination of natural fluctuation and voluntary agreements. Vocational training, however, will be continued at the same high level as in the previous year.

The prevailing extreme level of uncertainty – exacerbated in particular by the further spread of coronavirus and driven by economic and political developments such as the outcome of the negotiations between the EU and the UK on a trade agreement by 31 December 2020 as well as international trade and customs policies – may cause economic developments in many regions to differ markedly from even the most recently expected trends and outcomes. Any such deviations could have a further significant impact on the business performance of the BMW Group.

Furthermore, the actual business performance of the BMW Group may also differ from current expectations as a result of the risks and opportunities described in the Report on Risk and Opportunities (pp. 88) of the Annual Report 2019.

3 RoE in the Financial Services segment is calculated as segment profit before taxes, divided by the average amount of equity capital attributable to the Financial Services segment balance sheet.

1 RoCE in the Automotive and Motorcycles segments is measured on the basis of relevant segment profit before financial result and the average amount of capital employed in the segment concerned. Capital employed corresponds to the sum of all current and non-current operational assets, less liabilities that generally do not incur interest. 2 EU-28.

Interim Group Management Report Report on Outlook, Risks and

Opportunities Outlook

BMW Group Key performance indicators

In almost all aspects, the BMW Group continues to stand by the adjusted outlook for the financial year 2020 presented in the Quarterly Statement to 31 March 2020. The original outlook for deliveries to

customers by the Motorcycles segment has, however, been adjusted from a significant decrease to a moderate decrease. The following outlook therefore now applies for key performance indicators:

BMW Group key performance indicators • 18

2019
reported
2019
adjusted
2020
Outlook1
Group
Profit before tax € million 7,118 significant decrease
Workforce at year-end 133,778 126,016 slight decrease
Automotive segment
Deliveries to customers2 units 2,538,367 significant decrease
Fleet emissions3 g CO2 / km 127 significant decrease
EBIT margin % 4.9 between 0 and 3
Return on capital employed4 % 29.0 significant decrease
Motorcycles segment
Deliveries to customers units 175,162 moderate decrease
EBIT margin % 8.2 between 3 and 5
Return on capital employed4 % 29.4 significant decrease
Financial Services segment
Return on equity 5 % 15.0 moderate decrease

1 Based on adjusted figures.

2 Including the jointventure BMW Brilliance Automotive Ltd., Shenyang (2019: 538,612 units).

3 EU-28.

4 RoCE in the Automotive and Motorcycles segments is measured on the basis of relevant segment profit before financial result and the average amount of capital employed in the segment concerned.

Capital employed corresponds to the sum of all current and non-current operational assets, less liabilities that generally do not incur interest.

5 RoE in the Financial Services segment is calculated as segment profit before taxes, divided by the average amount of equity capital attributable to the Financial Services segment balance sheet.

RISKS AND OPPORTUNITIES

Report Report on Outlook, Risks and Opportunities

Interim Group Management

Risks and Opportunities

As a globally operating enterprise, the BMW Group is exposed to a broad range of risks and opportunities. The Group's corporate success is based on leveraging perceived opportunities as they present themselves. In order to drive growth, boost profitability, bolster efficiency and operate sustainably going forward, the BMW Group also needs to take calculated risks.

As a consequence of the corona pandemic, risks associated with macroeconomic and financial conditions have increased significantly both short-term and medium-term compared with the assessment presented in the Annual Report 2019. The level of risk due to the negative impact of the pandemic on the BMW Group's supply chains, production and sales volumes is still assessed as high. After a more stable phase for the economy in the third quarter, the pandemic is now clearly regaining momentum. In light of the containment measures required as well as the economic impact, a high level of uncertainty remains. Moreover, the pandemic has affected markets to widely differing degrees. For this reason, demand for automobiles is only likely to recover at a very sluggish rate in many markets. If the corona pandemic takes a turn for the worse and the global economy deteriorates significantly, the risk exposure could be considerable, particularly on the demand side. With these risks in mind, the BMW Group is continuously monitoring developments on world markets and preparing for all possible scenarios. Likewise, the impact of the corona pandemic on capital markets, on the measurement of receivables and on residual values is also assessed as high. In this context, the risk exposure includes increases in financing costs, credit defaults and remarketing losses in the Financial Services segment.

In parallel, the progress of negotiations on a free trade agreement between the EU and the UK and developments in global trade policy will continue to be closely monitored.

Changes in the risk profile are continuously assessed and factored into the current and long-term forecasts as deemed necessary.

Further information on risks and opportunities as well as on the methods employed to manage them is also available in the "Report on Risks and Opportunities" section of the Annual Report 2019 (pp. 88).

INTERIM GROUP FINANCIAL STATEMENTS

Page 26 Income Statement

  • Page 30 Balance Sheet
  • Page 32 Cash Flow Statement

BMW Group Income Statement

BMW GROUP INCOME STATEMENT

Income Statements for Group and Segments for the period from 1 January to 30 September • 19

Group Automotive Motorcycles
in € million 2020 2019 2020 2019 2020 2019
Revenues 69,508 74,844 54,829 64,853 1,716 1,871
Cost of sales – 60,668 – 61,674 – 49,546 – 55,193 –1,445 –1,460
Gross profit 8,840 13,170 5,283 9,660 271 411
Selling and administrative expenses – 6,258 – 6,665 – 5,136 – 5,511 –162 –186
Other operating income 705 455 735 461 2 2
Other operating expenses – 654 –1,881 – 730 –1,936 –1 –1
Profit/ loss before financial result 2,633 5,079 152 2,674 110 226
Result from equity accounted investments 787 379 787 379
Interest and similar income 80 102 182 277 1
Interest and similar expenses – 256 – 297 – 381 – 472 – 2 – 5
Other financial result – 282 – 200 27 131
Financial result 329 –16 615 315 – 2 – 4
Profit/ loss before tax 2,962 5,063 767 2,989 108 222
Income taxes – 785 –1,493 – 207 – 875 – 32 – 70
Profit/ loss from continuing operations 2,177 3,570 560 2,114 76 152
Profit / loss from discontinued operations 44 44
Net profit/ loss 2,177 3,614 560 2,158 76 152
Attributable to minority interest 67 78 15 19
Attributable to shareholders of BMW AG 2,110 3,536 545 2,139 76 152
Basic earnings per share of common stock in € 3.20 5.37
Basic earnings per share of preferred stock in € 3.21 5.38
Dilutive effects
Diluted earnings per share of common stock in € 3.20 5.37
Diluted earnings per share of preferred stock in € 3.21 5.38
Eliminations Other Entities Financial Services
2019 2020 2019 2020 2019 2020
Revenues –13,865 – 9,093 4 1 21,981 22,055
Cost of sales 14,149 10,325 –19,170 – 20,002
Gross profit 284 1,232 4 1 2,811 2,053
Selling and administrative expenses 15 27 –17 –17 – 966 – 970
Other operating income –144 –174 82 120 54 22
Other operating expenses 157 186 – 62 – 61 – 39 – 48
Profit/ loss before financial result 312 1,271 7 43 1,860 1,057
Result from equity accounted investments
Interest and similar income –1,319 –1,025 1,142 921 1 2
Interest and similar expenses 1,243 1,092 –1,059 – 962 – 4 – 3
Other financial result – 271 – 292 – 60 –17
Financial result – 76 67 –188 – 333 – 63 –18
Profit/ loss before tax 236 1,338 –181 – 290 1,797 1,039
Income taxes – 74 – 351 55 80 – 529 – 275
Profit/ loss from continuing operations 162 987 –126 – 210 1,268 764
Profit / loss from discontinued operations
Net profit/ loss 162 987 –126 – 210 1,268 764
Attributable to minority interest –1 59 53
Attributable to shareholders of BMW AG 162 987 –126 – 209 1,209 711
Basic earnings per share of common stock in €
Basic earnings per share of preferred stock in €
Dilutive effects
Diluted earnings per share of common stock in €
Diluted earnings per share of preferred stock in €

BMW Group Income Statement

BMW GROUP INCOME STATEMENT

Income Statements for Group and Segments for the period from 1 July to 30 September • 20

Group Automotive Motorcycles
in € million 2020 2019 2020 2019 2020 2019
Revenues 26,283 26,667 21,962 23,016 637 558
Cost of sales – 22,268 – 22,098 –18,752 –19,631 – 541 – 461
Gross profit 4,015 4,569 3,210 3,385 96 97
Selling and administrative expenses – 2,099 – 2,242 –1,722 –1,835 – 52 – 63
Other operating income 188 140 186 153 2 2
Other operating expenses –180 –178 –197 –188 –1 –1
Profit/ loss before financial result 1,924 2,289 1,477 1,515 45 35
Result from equity accounted investments 383 191 383 191
Interest and similar income 24 25 46 86
Interest and similar expenses – 67 –106 –100 –165 –1
Other financial result 200 –151 54 – 94
Financial result 540 – 41 383 18 –1
Profit/ loss before tax 2,464 2,248 1,860 1,533 44 35
Income taxes – 649 – 702 – 500 – 470 –14 –15
Profit/ loss from continuing operations 1,815 1,546 1,360 1,063 30 20
Profit / loss from discontinued operations
Net profit/ loss 1,815 1,546 1,360 1,063 30 20
Attributable to minority interest 29 25 10 6
Attributable to shareholders of BMW AG 1,786 1,521 1,350 1,057 30 20
Basic earnings per share of common stock in € 2.71 2.31
Basic earnings per share of preferred stock in € 2.71 2.31
Dilutive effects
Diluted earnings per share of common stock in € 2.71 2.31
Diluted earnings per share of preferred stock in € 2.71 2.31
Eliminations Other Entities Financial Services
2019 2020 2019 2020 2019 2020
Revenues – 4,379 – 4,115 1 7,471 7,799
Cost of sales 4,506 4,033 – 6,512 – 7,008
Gross profit 127 – 82 1 959 791
Selling and administrative expenses 11 22 – 7 – 3 – 348 – 344
Other operating income – 62 – 53 33 41 14 12
Other operating expenses 56 59 – 26 – 20 –19 – 21
Profit/ loss before financial result 132 – 54 1 18 606 438
Result from equity accounted investments
Interest and similar income – 444 – 289 383 267
Interest and similar expenses 421 327 – 361 – 292 –1 –1
Other financial result – 49 125 – 8 21
Financial result – 23 38 – 27 100 – 9 20
Profit/ loss before tax 109 –16 – 26 118 597 458
Income taxes – 34 14 7 – 33 –190 –116
Profit/ loss from continuing operations 75 – 2 –19 85 407 342
Profit / loss from discontinued operations
Net profit/ loss 75 – 2 –19 85 407 342
Attributable to minority interest 19 19
Attributable to shareholders of BMW AG 75 – 2 –19 85 388 323
Basic earnings per share of common stock in €
Basic earnings per share of preferred stock in €
Dilutive effects
Diluted earnings per share of common stock in €
Diluted earnings per share of preferred stock in €

BMW Group Balance Sheet

BMW GROUP BALANCE SHEET

Group Automotive Motorcycles
in € million 30. 9. 2020 31.12. 2019 30. 9. 2020 31.12. 2019 30. 9. 2020 31.12. 2019
Assets
Intangible assets
Property, plant and equipment
11,980
21,742
11,729
23,245
11,451
21,282
11,212
22,749
147
387
127
407
Leased products 41,831 42,609
Investments accounted for using the equity method 3,481 3,199 3,481 3,199
Other investments 802 703 4,680 5,144
Receivables from sales financing 47,310 51,030
Financial assets 2,780 1,370 509 131
Deferred tax 2,083 2,194 3,235 3,451
Other assets 1,319 1,325 2,762 2,203 35 36
Non-current assets 133,328 137,404 47,400 48,089 569 570
Inventories 16,078 15,891 14,850 14,404 603 679
Trade receivables 2,492 2,518 2,202 2,228 177 186
Receivables from sales financing 35,577 41,407
Financial assets 5,121 5,955 3,942 4,772
Current tax 1,341 1,209 659 1,000
Other assets 9,466 11,614 31,937 33,492 2 1
Cash and cash equivalents 17,830 12,036 14,087 9,077 6 11
Current assets 87,905 90,630 67,677 64,973 788 877
Total assets 221,233 228,034 115,077 113,062 1,357 1,447
Equity and liab
ilities
Subscribed capital 659 659
Capital reserves 2,161 2,161
Revenue reserves 58,183 57,667
Accumulated other equity –1,325 –1,163
Equity attributable to shareholders of BMWAG 59,678 59,324
Minority interest 617 583
Equity 60,295 59,907 38,006 40,174
Pension provisions 3,272 3,335 2,687 2,820 90 96
Other provisions 5,738 5,788 5,578 5,605 77 81
Deferred tax 487 632 721 543
Financial liabilities 69,078 70,647 2,046 2,680
Other liabilities 4,822 5,100 7,586 7,929 525 569
Non-current provisions and liabilities 83,397 85,502 18,618 19,577 692 746
Other provisions 7,044 7,421 6,531 6,962 100 105
Current tax 1,181 963 435 704
Financial liabilities 43,000 46,093 1,153 1,929
Trade payables 9,861 10,182 8,561 8,814 358 413
Other liabilities 16,455 17,966 41,773 34,902 207 183
Current provisions and liabilities 77,541 82,625 58,453 53,311 665 701
Total equity and liabilities 221,233 228,034 115,077 113,062 1,357 1,447

BMW Group Cash Flow Statement

BMW GROUP CASH FLOW STATEMENT

Condensed Cash Flow Statement for the period from 1 January to 30 September • 21

Group Automotive Financial Services
in € million 2020 2019 2020
2019
2020
2019
Profit / loss before tax* 2,962 5,063 767
2,989
1,039
1,797
Depreciation and amortisation of tangible, intangible and investment assets 4,562 4,398 4,442
4,280
33
37
Change in leased products and receivables from sales financing 5,848 – 3,131
6,915
– 2,945
Changes in working capital – 794 – 2,727 – 2,603
– 923
–139
162
Change in provisions –19 943 – 81
438
21
798
Other – 2,012 –1,942 –1,158
1,040
–1,722
–1,149
Cash inflow/outflow from operating activities 10,547 2,604 3,047
6,144
6,448
–1,601
Total investment in intangible assets and property, plant and equipment – 3,789 – 4,783 – 3,687
– 4,690
–10
– 9
Net investment in marketable securities and investment funds 1,320 10 1,023
– 31
298
41
Other 1,116 – 546 1,192
– 430
–1
3
Cash inflow/outflow from investing activities –1,353 – 5,319 –1,472
– 5,151
287
35
Cash inflow/outflow from financing activities – 3,519 4,719 3,338
930
– 5,849
1,779
Effect of exchange rate on cash and cash equivalents 119 –17 97
– 44
35
10
Effect of changes in composition of Group on cash and cash equivalents 32
27

Change in cash and cash equivalents 5,794 2,019 5,010
1,906
921
223
Cash and cash equivalents as at 1 January 12,036 10,979 9,077
8,631
2,075
1,985
Cash and cash equivalents as at 30 September 17,830 12,998 14,087
10,537
2,996
2,208

*At the beginning of the financial year 2020, the starting point for determining cash flow was changed to profit / loss before tax; the previous year's figures have been adjusted accordingly.

Financial Services Automotive
2019 2020 2019 2020
Profit / loss before tax* 1,797 1,039 2,989 767
Depreciation and amortisation of tangible, intangible and investment assets 37 33 4,280 4,442
Change in leased products and receivables from sales financing – 2,945 6,915
Changes in working capital –139 162 – 2,603 – 923
Change in provisions 798 21 438 – 81
Other –1,149 –1,722 1,040 –1,158
Cash inflow/outflow from operating activities –1,601 6,448 6,144 3,047
Total investment in intangible assets and property, plant and equipment – 9 –10 – 4,690 – 3,687
Net investment in marketable securities and investment funds
Other
41 298 – 31 1,023
3 –1 – 430 1,192
Cash inflow/outflow from investing activities 35 287 – 5,151 –1,472
Cash inflow/outflow from financing activities 1,779 – 5,849 930 3,338
Effect of exchange rate on cash and cash equivalents 10 35 – 44 97
Effect of changes in composition of Group on cash and cash equivalents 27
Change in cash and cash equivalents 223 921 1,906 5,010
Cash and cash equivalents as at 1 January 1,985 2,075 8,631 9,077
Cash and cash equivalents as at 30 September 2,208 2,996 10,537 14,087

OTHER INFORMATION

Page 35 Contacts

Other Information

Contacts

CONTACTS Business and Finance Press

Telephone + 49 89 382-2 45 44 + 49 89 382-2 41 18 Fax + 49 89 382-2 44 18 E-mail [email protected]

Investor Relations

Telephone + 49 89 382-2 53 87 Fax + 49 89 382-1 46 61 E-mail [email protected]

The BMW Group on the Internet

Further information about the BMW Group is available online at www.bmwgroup.com. Investor Relations information is available directly at www.bmwgroup.com/ir. Information about the various BMW Group brands is available at www.bmw.com, www.mini.com

and www.rolls-roycemotorcars.com and www.bmw-motorrad.com.

This version of the Quarterly Statement is a translation from the German version. Only the original German version is binding.

PUBLISHED BY

Bayerische Motoren Werke
Aktiengesellschaft
80788 Munich
Germany
Telephone +49 89 382-0

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