Financial Services — Volkswagen

Volkswagen Financial Services targets a wide range of customers, including:

The transition to electric mobility introduces new financial uncertainties for consumers, particularly regarding battery degradation and resale value. VWFS mitigates these risks by offering specialized EV leasing models. By taking on the residual value risk of the vehicle, VWFS gives consumers the confidence to drive electric without worrying about the future used-car market. Furthermore, VWFS bundles home-charging installation loans and green power contracts directly into the automotive finance package. Digital-First Operations

Leasing is an ideal option for individuals and businesses desiring lower upfront costs and the ability to drive a new car every few years.

| Metric | 2021 | 2022 | 2023 | |----------------------------|------------|------------|------------| | Total assets | €220B | €235B | €250B | | Operating profit | €4.3B | €5.1B | €5.6B | | Return on equity (RoE) | 15.2% | 16.5% | 17.1% | | Contract volume (millions) | 19.8 | 20.4 | 21.1 | financial services volkswagen

VWFS is heavily investing in digital platforms to enhance the customer journey. By integrating financial services into smartphone apps and digital ecosystems, Volkswagen aims to manage the entire lifecycle of the customer relationship. This includes everything from the initial financing of the car to insurance, maintenance packages, and eventually the trade-in process. This digital integration provides Volkswagen with valuable data on driving habits and consumer behavior, allowing for more targeted marketing and product development.

For business clients, VWFS provides comprehensive fleet management services, including maintenance, servicing, and corporate mobility planning, ensuring business vehicles remain on the road efficiently. The Advantages of Choosing VWFS

Think of it not just as a car loan provider, but as a comprehensive mobility partner. It is the entity that ensures a customer can afford the car, the dealer can stock the showroom, and the fleet manager can optimize their business costs. Volkswagen Financial Services targets a wide range of

Financial Services Volkswagen is a dedicated division of the Volkswagen Group (XETRA: VOW3). It is not merely a bank attached to a car company; rather, it is a comprehensive portfolio of financial products designed to support the entire lifecycle of a vehicle.

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Traditional financing is structured for buyers who prioritize . By integrating financial services into smartphone apps and

Recognizing the demand for flexibility, VWFS has rolled out car subscription services. For a fixed monthly fee, users get access to a vehicle with insurance, maintenance, and taxes fully covered. They can cancel or change vehicles with short notice, mirroring the flexibility of software subscriptions. Digital Ecosystems and Apps

Develops financial frameworks for recycling and repurposing older EV batteries. Digital Transformation and Future Mobility