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VWFS is a key enabler of the Volkswagen Group's electric vehicle (EV) strategy. It plays a critical role by providing tailored financing and leasing solutions for EVs, with a penetration rate of 82% for EVs in Germany, and creating a comprehensive ecosystem that includes charging solutions and consulting services. The concept is a prime example of this support for EV customers.

| 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 |

| Criteria | Score | |----------|-------| | Product range | 9 | | Interest rates (consumer) | 6 | | Digital experience | 8 | | Customer service consistency | 6 | | Innovation (EV/mobility) | 8 | | Financial stability | 9 | | Transparency & fees | 6 | financial services volkswagen

VWFS provides fully integrated insurance products designed specifically for Volkswagen Group vehicles.

For decades, the primary touchpoint between consumers and VWFS has been at the dealership finance office. VWFS is a key enabler of the Volkswagen

By financing the transition to electric vehicles, pioneering flexible subscription models, and building an all-in-one digital mobility platform, Volkswagen Financial Services ensures that no matter how the world moves, it will do so using a financial framework built by Volkswagen.

The financial services offered by Volkswagen provide numerous benefits to customers, including: | Metric | 2021 | 2022 | 2023

Volkswagen Financial Services does not just finance cars; it actively drives the entire business model of the Volkswagen Group.