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BMW Vehicle Owner Trust 2023-A, an issuing entity for asset-backed securities backed by BMW vehicle retail installment sales contracts, filed its 10-K for the fiscal year ended December 31, 2025, on March 24, 2026. Per General Instruction J to Form 10-K, standard items such as Business, Risk Factors, MD&A, Financial Statements, and others are omitted. No single obligor represents 10% or more of the asset pool. No external credit enhancement, support, or derivative instruments are provided for payments on pool assets, Notes, or Certificate. BMW Financial Services NA, LLC (servicer, sponsor) and U.S. Bank Trust Company, National Association (indenture trustee) each delivered Reports on Assessment confirming compliance in all material respects with applicable Regulation AB Item 1122(d) servicing criteria for the 2025 Reporting Period (January 1 to December 31, 2025). Independent attestations by CohnReznick LLP and Ernst & Young LLP affirm these assertions without material noncompliance. Legal proceedings disclosures from trustees involve unrelated RMBS and student loan trusts, deemed non-material to noteholders. Servicer compliance statement confirms fulfillment of obligations under the Sale and Servicing Agreement dated July 18, 2023. No unresolved staff comments or material litigation against the Issuing Entity.