\begin{figure}
\centering
\includegraphics[width=0.7\textwidth]{bilder/Bild1.png}
\caption{Abbildungsunterschrift}
\label{fig:bild1}
\end{figure}
\documentclass[fontsize=12pt,ngerman]{scrartcl}
\usepackage[T1]{fontenc}
\usepackage[utf8]{inputenc}
\usepackage[demo]{graphicx}
\usepackage{babel,lipsum,bera}
\addtokomafont{caption}{\itshape}
\addtokomafont{captionlabel}{\sffamily\bfseries}
\renewcommand*{\captionformat}{:~\ }
\setcapindent{1em}
\setcapwidth[c]{0.9\linewidth}
\begin{document}
\section*{Die drei Grafiken neben- und untereinander}
Zambo wer kann Zubliz was tulln, dass blessich wattum
wuste Kaliburats iswa drüwell klutich abisch.
\begin{figure}[h!]
\setlength{\abovecaptionskip}{5pt}
\setlength{\belowcaptionskip}{0pt}
\begin{minipage}[t]{0.49\textwidth}\vspace{0pt}
\includegraphics[height=2cm,width=\textwidth]{bild1}
\end{minipage}\hfill%
\begin{minipage}[t]{0.49\textwidth}\vspace{0pt}
\includegraphics[height=2cm,width=\textwidth]{bild2}
\end{minipage}\\[5pt]%
\centering
\begin{minipage}[t]{0.6\textwidth}\vspace{0pt}
\includegraphics[height=3cm,width=\textwidth]{bild3}
\end{minipage}
\caption{Zambo wer kann Zubliz was tulln, dass blessich
wattum wuste Kaliburats iswa drüwell klutich abisch.}
\end{figure}
\lipsum*[1]
\end{document}
\documentclass{scrartcl}
\usepackage[T1]{fontenc}
\usepackage[utf8]{inputenc}
\usepackage[demo]{graphicx}
\usepackage{lipsum}
\usepackage{subcaption}
\addtokomafont{caption}{\itshape}
\addtokomafont{captionlabel}{\sffamily\bfseries}
\renewcommand*{\captionformat}{:~\ }
\setcapindent{1em}
\setcapwidth[c]{0.9\linewidth}
\begin{document}
\section{Die drei Grafiken neben- und untereinander}
\begin{figure}
\begin{subfigure}[t]{0.49\textwidth}
\includegraphics[height=2cm,width=\textwidth]{bild1}
\caption{das erste}
\label{fig:demoErstes}
\end{subfigure}\hfill%
\begin{subfigure}[t]{0.49\textwidth}
\includegraphics[height=2cm,width=\textwidth]{bild2}
\caption{das zweite}
\end{subfigure}\\[5pt]%
\centering
\begin{subfigure}[t]{0.6\textwidth}
\includegraphics[height=3cm,width=\textwidth]{bild3}
\caption{das dritte Bild}
\end{subfigure}
\caption{Zambo wer kann Zubliz was tulln, dass blessich
wattum wuste Kaliburats iswa drüwell klutich
abisch.}
\label{fig:demo}
\end{figure}
In Abbildung \ref{fig:demo} und genauer \ref{fig:demoErstes}.
\lipsum
\end{document}
