<assetdata>
<!--Exhibit 103-->
 <!--Asset Related Document-->
 <!--This asset related document provides narrative to explain the asset-level data reported in Exhibit 102 to the Form ABS-EE to which this asset related document is attached as an exhibit (such data, the "Asset-Level Data").  Additional explanatory narrative has also been included in the prospectus (the "Prospectus") for the securities issued by BMW Vehicle Owner Trust 2019-A (the "Issuing Entity").  You should read this asset related document and the Prospectus completely to understand the asset-level data and how it may differ from similar data appearing in the Prospectus.-->
 <!--References to "Items" in the Explanatory Narrative below are references to specific asset level data items listed in 17 CFR 229.1125 (Item 1125 of Regulation AB) Schedule AL - Asset-Level Information.  Capitalized terms used in the Explanatory Narrative below and not otherwise defined in this asset related document have the meanings assigned to such terms in the Prospectus.-->
 <!--The Asset-Level Data does not include Receivables repurchased from the Issuing Entity in prior reporting periods.-->
 <!--Explanatory Narrative-->
 <!--Item 3(c)(4) - Original Loan Term.  Reported value is the number of calendar months from and including the calendar month of the Item 3(c)(2) - Origination Date, through and including the calendar month of the maturity date of the related Receivable at origination.  A partial calendar month (even one day) is reported as one month for this purpose.-->
 <!--Item 3(c)(5) - Loan Maturity Date.  Reported value is the calendar month and year in which the final payment on the Receivable is scheduled to be made, after giving effect to any extensions, due date changes and bankruptcy-related repayment plans.-->
 <!-- Item 3(c)(11) - Underwriting Indicator.  Reported value is "true" for any Receivable in respect of which the related credit application was automatically approved, as described in the Prospectus.-->
 <!--Item 3(c)(14) - Subvented.  Reported value is "0" for Receivables in respect of which there is no rate subvention and the related Obligor did not receive a cash rebate (a "Cash Rebate").  Reported value is "1" for Receivables in respect of which there is rate subvention and the related Obligor did not receive a Cash Rebate.  Reported value is "2" for Receivables in respect of which there is no rate subvention and the related Obligor did receive a Cash Rebate.  Reported value is "98" for Receivables in respect of which there is rate subvention and the related Obligor did receive a Cash Rebate.-->
 <!--Item 3(e)(6) - Payment-to-Income Ratio.  Reported ratio has been calculated consistent with the description of such ratio contained in the Prospectus.  The ratio will be omitted for Receivables in respect of which sufficient information is unavailable for the purpose of calculating the related payment-to-income ratio.-->
 <!--Item 3(f)(4) - Servicing Advance Method.  Reported value is "1" for Receivables in respect of which no servicing advance has been made in the related reporting period.  Reported value is "4" for Receivables in respect of which a servicing advance has been made in the related reporting period.-->
 <!--Item 3(f)(6) - Next Reporting Period Payment Amount Due.  Reported amount represents the total amount of principal and interest payments due in respect of the Receivable in the next reporting period.  Reported amount excludes fees and sales tax that may be due in respect of such Receivable.-->
 <!--Item 3(f)(13) - Scheduled Interest Amount.  Reported amount is the monthly interest payment due in respect of the Receivable, calculated using an amortization schedule from the related origination date, using a 30/360 day count methodology and assuming that full payment of monthly principal and interest due in respect of such Receivable is received on each due date.-->
 <!--Item 3(f)(14) - Scheduled Principal Amount.  Reported amount is the monthly principal payment due in respect of the Receivable, calculated using an amortization schedule from the related origination date, using a 30/360 day count methodology and assuming that full payment of monthly principal and interest due in respect of such Receivable is received on each due date.-->
 <!--Item 3(f)(15) - Other Principal Adjustments.  Reported amount includes payments of principal received during the reporting period that are in excess of the amount of principal due in such reporting period, such as overpayments or prepayments.-->
 <!--Item 3(f)(16) - Reporting Period Ending Actual Balance.  Reported amount represents the aggregate outstanding principal balance of the Receivable as of the end of the reporting period.-->
 <!--Item 3(f)(18) - Total Actual Amount Paid - Reported amount is equal to the sum of Item 3(f)(19) - Actual Interest Collected, Item 3(f)(20) - Actual Principal Collected and Item 3(f)(21) - Actual Other Amounts Collected.-->
 <!--Item 3(f)(21) - Actual Other Amounts Collected.  Reported amount includes late fees and other charges collected in respect of the Receivable during the reporting period, and includes amounts retained by the Servicer and not included in Available Amounts for the related reporting period.-->
 <!-- Item 3(f)(24)(ii) - Zero Balance Code.  Reported value is "99" for Receivables in respect of which the related loan balance has not been reduced to zero.-->
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