TOYOTA FINANCIAL SERVICESCORPORATE GUIDEHiroyoshi Korosue
President & CEO, TFSC
Group CEO, TFS
Chief Officer, TMC Sales Finance Business GroupAs the Toyota Group Sales Finance Company, we provide mobility-related financial
services such as loans, leasing, and insurance under our group mission “Provide soundfinancial services that contribute to a prosperous life for Toyota customers and others”.
The automotive industry is undergoing a once-in-a-century transformation. The
environment surrounding our sales finance industry, which provides the financial
services that make automobiles accessible to customers, is also undergoing majorchanges including interest rate hikes in many countries and customers returning to
pre-COVID19 behaviors. In these times of change, to provide new value forcustomers, we will work with speed developing flexible financial services, while also
pursuing the possibilities of future mobility, under our group vision “Create value by
enabling freedom of movement”.
On the other hand, our core values remain unchanged. We have developed products
and services tailored to each country, region, and customer, in strong partnershipwith our dealers and distributors around the world. We will continue to pursue thegoal of providing peace of mind and excellent service for every one of our customers.
We will continue to take on the challenge of providing ever better financial andmobility services, creating new value and contributing to the realization of asustainable society by delivering “Mobility for All”.
Thank you for your support and partnership.

1

The Toyota Financial Services Group is made up of affiliates in more than 40 countries/
locations. Wherever we operate, we conduct business with the highest ethical standards
and a fair and sincere attitude. We aim to have a positive impact in the communities inwhich we operate. Our products and services differ from market to market to meet local
conditions and regulatory requirements, but around the world we are focused ondelivering quality products that meet our customers’ needs.

MISSION

Provide sound financial services that contribute toa prosperous life for Toyota customers and others

VISION

Create value by enabling freedom of movement

THE TFS WAY

Courage Agility Collaboration2

Group Structure
TFS Group offers a comprehensive financial services lineup that caters to customers’ diverse needs while strengthening
the core auto sales finance operation. By offering customers sound, high-quality financial products and services, we aim
to build customers for life by supporting their life events.

Toyota Motor Corporation (TMC)
TMC Sales Financial Business Group

TFS
Group

Toyota Financial Services Corporation (TFSC)
Board of Directors

Supervisory
Council/Internal Audit

External
Audit

TFS Group Top Management
TMFNL

RegionJapan

Americas
Oceania

EuropeAfricaAsia PacificChina

TFS Group and TMC Sales Finance Business GroupTFS Group, as TMC Sales Finance Business Group, integrates the sales finance business with the auto business to realize
rapid decision making and better “visualization” of risks.

TFSC Board of Directors and Strategic Management Committee
The TFSC Board of Directors is TFS Group’s highest decision-making body. Some members of the board are also
members of TMC management.
The Strategic Management Committee is composed of TFS top management and Region CEOs. This committee
discusses strategic matters and guidance of the TFS Group.

Regions
TFS Group operates five regions which are responsible for assessing the market, developing strategy, and supporting oursales finance companies to best meet the various needs of our customers.

3

Toyota Financial Services Corporation
Headquarters

Nagoya Lucent Tower 15F
6-1, Ushijima-cho, Nishi-ku,
Nagoya, 451-6015 Japan

Share Capital

78.5 billion yen

Shareholder

Toyota Motor Corporation (TMC) (100%)

Established

July 7, 2000

Number of Team Members

149 (As of April 1, 2024)

URL

http://www.tfsc.jp/

Brief History

1982 Toyota Finance Australia Ltd (TFA), (Australia) established
Toyota Motor Credit Corporation (TMCC), (USA) established1988 Toyota Finance Corporation (TFC), (Japan) established1996 Expanded to 10 countries/locations
2000 Toyota Financial Services Corporation (TFSC) established
200 1 Expanded to 20 countries / locations
2005 Expanded to 30 countries / locations
202 1 Expanded to 40 countries / locations

Directors

Hiroyoshi Korosue (President&CEO / TMC Chief Officer of Sales Finance Business Group)
Shinya Kotera (Senior Executive Vice President)
Mark Templin
Hao Tien
Toshiyuki Nishi
Yoichi Miyazaki
Koji Kobayashi

Audit & Supervisory
Board Members

Shinji Sugimori
Katsuyuki Ogura
Masahiro Yamamoto

Managing Officers

Toshiaki Kawai
Naoki Tokuhisa

As of July 2024

4

Americas Oceania Region
Spanning three continents and serving over six million customers, the TFS Americas
Oceania Region is comprised of sales finance companies that act in an agile way toadapt to unique local market environments in pursuit of our global objective of
supporting vehicle sales. Each sales finance company strives to successfully transform
our traditional lines of business to enhance efficiencies while growing new areas ofbusiness. In every location, our team members endeavor to partner effectively with
Toyota, Lexus, and private label clients in order to deliver the best possible experiences
to customers and dealers.

Mark Templin
President & CEO, TFS Americas Oceania Region

Markets at a Glance *Our 6,232 team members across the region manage $192 billion USD in assets and are dedicated to serving over 6.4
million customers and 2,811 dealer wholesale accounts. With sales finance companies in Canada, the United States,
Mexico, Puerto Rico, Colombia, Brazil, Argentina, Australia and New Zealand, we draw upon our extensive scale anddepth of experience to capitalize on unique market opportunities.
* As of March 31, 2024

Americas Oceania Region Overview
10 Sales Finance Companies in Americas Oceania Region

1
3

2
4

5
6

7

9
10
8

5

1

Toyota Credit Canada Inc.

2

Toyota Motor Credit Corporation3

Toyota Financial Savings Bank

4

Toyota Financial Services Mexico

5

Toyota Credit de Puerto Rico

6

Toyota Financial Services Colombia

7

Banco Toyota do Brasil

8

Toyota Compañía Financiera de Argentina

9

Toyota Finance Australia Ltd.

10

Toyota Finance New Zealand Ltd.

(TCCI) Markham, Ontario(TMCC) Plano, TX(TFSB) Henderson, NV(TFSM) Mexico City, Mexico(TCPR) San Juan, Puerto Rico
(TFSCO) Bogota, Colombia(BTB) Sao Paulo, Brazil(TCFA) Buenos Aires, Argentina(TFA) Sydney, Australia(TFNZ) Auckland, New ZealandContribution to BEV Strategy (USA)TFS USA continues to contribute to Toyota’s global Beyond
Zero vision to reach carbon neutrality by strengthening theportfolio of BEV-related financial products and programs. Taking
dealer feedback into account, the company collaborated with
Toyota Motor North America (TMNA) to introduce competitive
finance programs that utilize government tax credits. The end
result was a simplified and enhanced purchasing experience forcustomers. Additionally, TFS USA introduced a customized
certified used vehicle program to support BEV sales atdealerships.

Way360 (USA)Way360™ is an umbrella brand of dealer and customer-facing products andservices committed to enabling mobility across all modes and channels. Under thebrand, TFS USA first launched Wayshield™ Protection Products which offers
Vehicle Service Agreements, Guaranteed Auto Protection, Prepaid Maintenance,
Tire & Wheel Protection, and Key Replacement. In addition, Waycycle™ Remarketing Solutions, launching in fall of2024, offers Waycycle Inspection App, a user-friendly app that provides a streamlined lease return inspection process
at the dealership, and Waycycle Sales Platform, an e-commerce platform designed to support dealers’ off-lease efforts.
As we look ahead to the future, Way360 will help drive new opportunities for TFS as we continue to reinvent theexperience for our customers and dealers.

TFS Insurance Solutions Launch (Mexico)
In May 2024, TFS Mexico launched its new in-house insurance
broker under the name TFS Insurance Solutions. TFS Insurance
Solutions aims to provide the best possible offerings for clientsand dealers of the portfolio’s brands, including Toyota, Lexus,
Subaru, and Hino. The broker intends to expand its products
and services lineup by offering additional benefits which willappeal to customers. This, in turn, will expand the company’svalue chain and revolutionize its traditional business.

Ezi Car Rental Acquisition (New Zealand)
Toyota Finance New Zealand is continuing to grow its mobility strategy with theacquisition of Ezi Car Rental in 2023. The rental car company is a critical component indeveloping an integrated, seamless mobility proposition. The expansion aligns with the shift
in customer needs from car ownership to car usage and fills a gap in the Toyota customer
ecosystem. Car rental will work alongside fleet management, car share and new and used
car sales to maximize vehicle lifecycle utilization and capture additional revenues and profits. Ezi Car Rental is one of
New Zealand’s largest rental car businesses and has enjoyed a strong supply and funding relationship with Toyota formany years.

6Europe Africa Region
Our Region has achieved another year of record-breaking success, with strong results
both in private consumer finance and overall penetration.
These results were achieved thanks to a progressive expansion of our Finance Product
Portfolio offer, in line with the VLV strategy. Bringing to market more flexible andinnovative products allows us to include more services and higher flexibility (usershipproducts) to match the increasing customer expectations, providing a one-stop shop
solution and peace of mind.
Our challenges remain the same as we continue to grow consumer finance for both new
and used cars, we expand our portfolio in fleet and LCVs and establish a strong foundation
for the BEV transition.
KINTO, as our Mobility brand, supports our growth in the commercial vehicle & FSL business and facilitates the role ofa customer centric pillar through its KINTO solutions to support Toyota becoming a true Mobility Company.
Digital Transformation has become an even more important area for the Toyota Group in Europe with projects throughwhich we will provide more coordinated and comprehensive customer support to the customers in our portfolio.
Finally, this year we started our ESG journey, in alignment with TMC and TME, to achieve carbon neutrality by 2050 asa One Toyota Team and taking the responsibility to leave our planet in a better shape for future generations. The future
starts today!

Ivo Ljubica

CEO, TFS Europe & Africa Region

Markets at a Glance *2,493 team members across 21 locations in Europe and Africa service over 2,000 Toyota and Lexus retailers for whom
TFS provides funding exceeding €3.4 billion. In total, our outstanding customer portfolio numbers exceed 2.09 million
live accounts representing an asset size of over €37.2 billion.
*As of March 31, 2024

ANOTHER YEAR OF RECORDS(K nuits)

Used
New
124
314

164

165

381

355

197

223

411

419

243

472

Last fiscal year TFS EAR again achieved several
historic records in the traditional Finance & Leasebusiness. The number of new car and used carcontract acquisitions continuously increased overthe last years and reached more than 715
thousand units in FY24.

2019 2020 2021 2022 2023 2024

FLEET/FSL 5%

Fiscal year ending March 31.

7

TCM (Trade Cycle Management) products, underpinning the new sales
distribution strategy in Europe, represented little over 1/2 (52%) of the
TFS business followed by Credit (43%) and Fleet/FSL comprising thefinal 5%. There is a continuing trend of TCM products gaining popularity
every year, this includes Toyota EASY.

CREDIT
43%

TCM
52%

SALES & MARKETING
Together with Toyota Motor Europe, we continue with the sales distribution model toactivate Vehicle Lifetime Value (VLV). This strategy revolves around maximizing thevalue of each vehicle throughout its entire lifespan. This includes financial
considerations such as providing competitive financing options, as well as enhancing
the overall ownership experience through various services.
By ensuring that our customers receive the best possible value from their vehicles, we
foster long-term relationships that benefit both the customer and our business.
Customer Lifetime Value (CLV) is a complementary strategy that focuses on cultivating strong and lasting relationships
with our customers. By understanding their needs and preferences, we can tailor our financial solutions to provide themost value and convenience for everyone. This not only leads to a renewal of business and customer loyalty, but also
helps us attract new customers by providing a tailor-made offer.
By launching the Toyota Financial Services Academy, we make sure that the frontline organization is constantly trained
and aware of the full scope product portfolio and is equipped with proper skills to approach different customer types.
By integrating all three strategies we aim to deliver superior financial solutions that go beyond just the transactional
aspects of vehicle financing and bring our company one step further to a Mobility company.

EAR INNOVATION HUB
The EAR Innovation Hub supports markets across the Region by solving
complex problems and driving innovation. We identify and develop scalable
ideas, validating them quickly and at low cost in real-life scenarios. Our crossdisciplinary team remains focused on revolutionizing traditional businesses toreduce TFS OPEX of core business.
We follow a structured approach and methodologies in every step of our project
to co-create tangible solutions with markets, enabling us to bring to life key
projects such as Digital Car Inspection (a self-service-based approach to car inspection, reducing costs and improving
customer experience), Cedolauto (a car lease-back product, creating a new revenue stream and ensuring customer
retention in TCM), and Digital Floorplan Audit (a digital solution leveraging geo-location with vehicle’s factory-installed
telematics to eliminate physical audits, simplifying processes and achieving significant reduction of TFS OPEX).

DIGITAL
The TFS EAR digital Team has established a strong footprint in EAR by facilitating the customer online journey withfinance simulators and contributing to the full online customer purchasing experience. We will continue to placeemphasis on a faster route to market and increasing scalability for our digital products.
Moving forward, our goal is to exceed customer expectations when it comes to managing the customer relationshipthroughout the lifecycle of the car. Jointly with Toyota Motor Europe, we are developing a true omnichannel approach,meaning that the customer has the flexibility to communicate on or offline at any time with all Toyota entities.
We are also embracing new technologies and approaches to anticipate the needs of customers in the coming years, suchas AI Technology, future proof IT Architecture, and expanding our online business concepts to Used Car and Multi-brand.

KINTO Europe GmbHPursuing its vision of Mobility for All, KINTO Europe is scaling up its services, targeting corporate as well as private
customers. KINTO Europe operates in 15 markets, including 6 affiliates, with a total fleet of more than 215,000 units,
mostly originated from KINTO One (our FSL solution).
8

Asia Pacific Region
The Asia Pacific Region remains one of the fastest growing, dynamic and most diverse
regions within Toyota Financial Services.
TFS forms a strong partnership with each sales finance company to offer a wide andcompetitive range of financing products and services to our dealers and customers. In
order to tap the huge potential in this region, we will leverage our strengths as One
Toyota, and take advantage of opportunities in our traditional business as well as our value
chain and mobility initiatives through strong collaboration with our customers, dealersand distributors. As the key player in this region, we are prepared to ride the newtechnological wave and continue to transform our business to succeed in this dynamic
region.

Hao Quoc Tien
CEO, TFS Asia Pacific Region
Deputy Chief Officer, TMC Sales Finance Business Group

Markets at a Glance *Asia Pacific Region is made up of 9 sales finance companies: Thailand, Malaysia, Philippines, Taiwan, Korea, Indonesia,
Vietnam, India and Singapore. Our more than 5,700 team members are dedicated to serving over 2.4 million customers
and a distribution network of more than 2,700 dealer outlets with over 340 wholesale accounts. Asia Pacific Region has
more than $20 billion USD in managed assets.
* As of March 2024

Asia Pacific Region
9 Sales Finance Companies operating in Asia Pacific Region

1

2

5

4

3

6
7
8
9

9

1

Toyota Financial Services Korea Co., Ltd.

2

Hotai Finance Corporation (HFC) Taipei, Taiwan
Hotai Leasing Corporation (HLC) Taipei, Taiwan
Toyota Financial Services Philippines Corporation

3(TFSKR) Seoul, Korea(TFSPH) Makati City, Philippines

4

Toyota Leasing (Thailand) Co., Ltd.

5

Toyota Financial Services India Ltd.

6

Toyota Financial Services Vietnam Co., Ltd.

7

Toyota Capital Malaysia Sdn. Bhd.

8

Toyota Financial Services Singapore Pte Ltd.

9PT Toyota Astra Financial Services(TLT) Bangkok, Thailand(TFSIN) Banglore, India(TFSVN) Ho Chi Minh City, Vietnam(TCAPM) Petaling Jaya, Malaysia(TFSSG) Singapore(TAFS) Jakarta, Indonesia

IMV 0 (Asia Pacific)
In November 2023, Toyota Motor Thailand introduced an addition to theirvehicle lineup, the IMV 0. This new pickup truck was developed to enrich lives byaddressing a wide spectrum of customer needs such as affordability andcustomizability, offering new value propositions to enhance the quality of life forboth business and private users.
Given that financial services could be critical for such a diverse group of ourcustomers, Toyota Leasing Thailand offers a suite of financial products beyond
the traditional automotive loan to provide more affordable and flexible payment
schemes. Low down payments and longer finance terms packaged withconversion & accessories allow customers to adopt value chain options without
having to worry about the initial payment amount.
To support the IMV 0’s regional introduction, Toyota Financial Services willcontinue to evolve, offering convenient and tailored financial solutions through acustomer-centric approach so that suitable financial services are within their reach.

Insurance (Thailand)
Toyota Insurance Broker (TIB), a subsidiary of Toyota Leasing Thailand (TLT), was established in2008 as an insurance broker providing general insurance products such as motor & non-motor
insurance.
TIB offers a unique insurance solution known as TOYOTA Care Insurance, specifically designed for
TOYOTA customers. This insurance guarantees repairs at Toyota Dealerships nationwide, using
only Toyota genuine parts. Additionally, TIB provides a Telematics Motor Insurance called Pay
How You Drive (PHYD) which calculates the renewal year’s discount premium based on thecustomer’s driving behaviour.
TLT has been in the insurance business since 2009 offering life insurance products thatcomplement TIB’s offering of motor insurance to bring greater and more comprehensive value toToyota customers. Toyota Credit Care is a life insurance product designed to protect customers’auto loans. Toyota Health Care supports customers with payments in case of illness or accident
that require hospital treatment.
TIB and TLT aim to become comprehensive insurance solutions providers providing personalized
services which increase the value proposition for Toyota customers in Thailand.

E-Contract System (Korea)
The Korean auto finance market has shifted towards digitalization and the increasing
demand for online transactions is a clear indicator of this evolution.
In response to the evolving needs of customers and dealers, Toyota Financial
Services Korea (TFSKR) developed and launched an E-contract system on
November 1, 2023. This web-based platform allows customers to manage financecontracts anytime, anywhere.
As of June 2024, 75% of TFSKR finance contracts have been processed throughthe E-contract system. This high adoption rate demonstrates how innovative
solutions can lead to improved customer satisfaction and increased market
competitiveness.
10China Region
China is experiencing rapid development in all sectors and Toyota is working to face thechallenge of meeting the diverse needs of customers for both Internal Combustion
Engine (ICE) and New Energy Vehicles (NEV).
As the dedicated captive finance arm of Toyota, TFS China is steadfast in its commitment
to bolstering Toyota’s sales initiatives. We achieve this by crafting and delivering
distinctive, value-laden financial solutions tailored to our customers. In parallel, we extend
support to our dealers from many different angles.
In our quest to broaden our horizons and seize new opportunities, TFS China has been
investing considerable resources and efforts into enhancing our value chain offerings. This
strategic expansion encompasses a diverse array of sectors, including Used-Car,
Insurance Services, Fleet Management, and other complementary areas. Our endeavors are driven by a relentless
pursuit of innovation and excellence, aimed at enriching the customer experience and fostering long-term growth within
the automotive ecosystem.

Xu LunCEO, TFS China Region

Enhancing Customer Choice by offering Operating Lease
Our acquisition of the operating lease firm two and a half years ago has
expanded with a significant focus on the Toyota brand. In May 2024, we also
introduced welfare vehicle services, aligning with our “Mobility for All” initiative.

Introducing our Unique-Value-Financial Program
A tailored long-term solution (6-8 years) featuring reduced down payments andlower monthly installments, designed to enhance affordability and stimulate vehicle
sales.

Exploring new way of selling BEV through Fleet sales
The TFS China team collaborates with dealers to identify corporate buyers for Toyota
BEV and achieved significant growth since 2023.

Broaden TFS China’s customer base by boosting the used car sector
We’ve strategically partnered with well-known Chinese used car platforms to guide
potential clients back to Toyota for their next purchase via our used car business,
extending Toyota’s value chain.

Elevating Warranty Services to expand more business possibility
We’re enriching our warranty offerings with a range of products and proactively exploring new
insurance opportunities to meet diverse customer needs.
11

Japan Region
In today’s environment, we are seeing the automobile industry entering a period ofchange, a once in a century transformation. We see rapid progress in mobility towards aconnected society, where customer preference is moving from ownership to utilization ofvehicles. These changes in customer preference are also driving changes in the financial
services industry. We are seeing the need for more diversification in the field of financial
and settlement services. The changes occurring in our environment are accelerating due
to the emergence of new payment businesses using FinTech. We are further faced withincreasing competition from startup companies outside the financial services industry.
We see these new trends as opportunities and will challenge ourselves to create a financial
business model, unique to Toyota, based on the know-hows we cultivated in both sales
finance and credit card businesses in the new field of mobility services.
As a member of the Toyota Group, we aim to be a company that exceeds the expectations of our customers andstakeholders and will contribute to society by further increasing corporate value.

Toshiyuki Nishi
CEO, TFS Japan Region

TFC Business

Office Locations
Auto Finance

Headquater
Chubu Branch
Nagoya Center

Dealers(T/L/DH)

Individual
Customers

Hokkaido Branch(Sapporo)

Tohoku Branch(Sendai)(Nagoya)Corporate
Customers

Tokyo Office
Kanto BranchTokyo Center

Chugoku Shikoku Branch(Okayama)

Kyushu Branch(Tokyo)(Fukuoka)

Kinki Branch(Osaka)Credit Card

Wholesale FinanceTraditional Loan
Credit Card

Cash-less

Reduce financing Transactions and processes

Paper-lessDigitalization

Compliance

Operational excellence at dealership
More time for customer

Sound financial condition
B/S Management

Efficient operation

Risk freeResources
shift

Enhancing Toyota Brand
Social contribution

Motor sports

Best-in-town

12

KINTO Global Operations
What is KINTO?
In 2018, Toyota made a declaration of transformingfrom an automotive company to a “Mobility”
Company. KINTO is one of the components ofToyota’s transformation – we are an organization
facing the challenge of providing people with diverse
mobility services.

Message From
The Head of Global KINTO

The name KINTO is inspired by the nimbus cloud,
representing an ideal form of mobility – autonomous,emission free, quiet, accident free, and always available
when needed. It embodies the idea of a flexible andliberating relationship between our customers andtheir vehicles, allowing them to move as freely as theywish.

KINTO Key Numbers

Units in operation(# of vehicles) as of March 2024

> 289,000+71,000 (+27%) YoY> 1,600+800 (+200%) YoY> 6,600+1,400 (+21%) YoY

Global KINTO Entrance Web site
Please check our website for more details.
https://www.kinto-mobility.com/

13

Ever since KINTO was established in 2019, we
have been striving to be a leading Mobility
Platformer who is able to offer our customers
diverse services while pursuing the possibility of
future mobility.
Facing thousands of drastic changes all over theworld, consumers have totally different ideas
about vehicles now.
The paradigm shift from “ownership” to “usership”
in the vehicle industry is quite remarkable.
As we encounter this change, we have been
providing a variety of mobility services to answer
to various customer needs.
KINTO will continuously challenge new services
as the mobility brand in Toyota group to achieve
KINTO brand promises, “Ever Better Mobility forAll”.

Shinya Kotera
SEVP of TFSC

Our Products

All-inclusive leasing
KINTO ONE gives customers all the benefits of driving a new car, without
having to own one. It’s a stress-free, full service leasing product, in one fixedtransparent monthly fee with terms ranging from 2 to 5 years.

Multi-car subscription
KINTO FLEX is a shorter, more flexible version of KINTO ONE, in whichcustomers can choose leasing terms and swap vehicles depending on their
specific needs.

Car sharing
KINTO SHARE gives customers the freedom of an efficient vehicle without
the ownership costs. Our seamless car sharing solutions allow a customer to findthe ideal vehicle for every occasion, whether it’s for an hour or a few weeks.

Corporate carpoolingMultimodal transport

Ride-hailing

KINTO JOIN revolutionizes
the way a company’s employees
travel to work.

KINTO GO is a multimodal appthat makes getting around yourcity simple and effortless.

KINTO RIDE is an on-demand
shuttle service with adifference.
14

TOYOTA Wallet / my route
TOYOTA Wallet
TOYOTA Wallet is a digital money App that brings together a range of
payment options connected to a broad network of merchants.
・Online application for an auto loan launched Oct 2023. Users canpurchase TOYOTA cars with a TOYOTA auto loan and pay with their
credit card through TOYOTA Wallet at dealerships in Japan.

・TOYOTA Wallet supports users’ car life by providing driving related
services such as parking, EV charging, and in-car-payment for remotecontrol/T-Connect services etc.

・It seeks to improve convenience for TOYOTA related services by offering
seamless linkage to a registered payment method.
・Membership: 1.3 million (as of July 2024)

Outside of Japan
TOYOTA Wallet successfully released in the Philippines to enrich customers’
cashless experience with TOYOTA.

JAPAN

Nov 2019

Philippines

Nov 2021“my route”– multimodal mobility service App in Japan
VisionContribute to “freedom of movement for all” & “making a town always lively”
through creating an environment that makes people want to move more

・Users can get outing info, buy digital tickets and search multimodal routes including public transportation, taxi, carshare, cycle
share, etc.

・Currently available in 15 regions of Japan and connects to over 160
service providers including TOYOTA Rent a Car, TOYOTA SHARE
and TOYOTA Wallet.
・# of Downloads : 1.0 million (as of July 2024)

15“my route” aims to expand customer touch points that traditional
Toyota does not cover, and to be a platform to provide mobility
services, information services, and lifestyle services for contributing to
the Toyota group.

Toyota Blockchain Lab
Background
Blockchain technology can help ensure secure data sharing among various parties
through features like being highly tamper-resistant and fault-resistant.
This technology has the potential to provide more convenient and customized
services, improve business efficiency, and create new values in our mobility future.

TBL Activities
Established in April 2019, Toyota Blockchain
Lab(TBL) is a virtual organization. It is comprised of
7 companies*.
As the catalyst for utilizing technology, TBL has
been examining plans for promising applications andpromoting demonstration
trials while accumulating knowledge.
TBL also engages in global collaboration.

Uses of Blockchain
Technology

Customers

Safety &security

Various things

Blockchain
technology* Toyota Motor Corporation,
Toyota Financial Services Corporation,
Toyota Finance Corporation, Toyota Systems Corporation,
Denso Corporation, Toyota Central R&D Labs., Inc.
Daihatsu Motor Corporation, Ltd.

Open
connection

Various services
WithinToyotaGroup
Mobility
LivingToyota Blockchain Lab Conference (May 24, 2024)
Attendees from various Toyota related companies summarized the past 5 years of
Activity while networking and setting a foundation for the future of Toyota
Blockchain Lab.

Future Direction
Expand collaborations with various companies to accelerate initiatives for business implementation.
Expansion of Activities

Partners
DealerRetailerGroup Companies
Supplier
Overseascompanies
Blockchain
company

ToyotaBlockchain Lab

Mobility
servicecompany
Domestic
companies
Other
industry
partners
16

Financial and Operational Performance
For fiscal year ended March 2024, the TFS Group posted an outstanding performance thanks to the strong
support and commitment from all sales finance companies around the globe. TFS continues its focus on
strengthening our relationships and sales support with worldwide Toyota and Lexus distributors and dealers tobetter serve our customers. Serving nearly 30 million customers worldwide, the global TFS network is
supported by sales finance companies in 43 countries and locations.
Customer Number of TFS Group

Total Assets of TFS GroupOperating Income of TFS Group(Millions)(Billions USD)

(Billions USD)

Sales Finance
Credit Card

29.1
12.8

29.4

28.6

13.3

13.1

29.9

5.4

285.8
248.2

251.3

258.0
4.2

13.7

3.6
2.8

16.3

15.5

16.1

16.2

2021

2022

2023

2024

2021

2022

2023

2024

2021

2022

2023

2024

Fiscal year ending March 31.

TGR TEAM SARD

TOYOTA GAZOO Racing©TGR TEAM SARD

17

©TOYOTA GAZOO Racing 2024

Americas Oceania

Europe / Africa

Toyota Motor Credit Corporation (TMCC)
Toyota Financial Savings Bank (TFSB)

Toyota Kreditbank GmbH (TKG)
KINTO Deutschland GmbH (KDE)

USA

Puerto Rico

Toyota Credit de Puerto Rico Corporation (TCPR)

CanadaToyota Credit Canada Inc. (TCCI)

BrazilBanco Toyota do Brasil S.A. (BTB)
KINTO Brasil Serviços de Mobilidade Ltda. (KINTO Brasil)

Venezuela

Toyota Services de Venezuela, C.A. (TSV)(No Operative)

GermanyUK

Toyota Financial Services (UK) PLC (TFSUK)KINTO UK Ltd. (KINTO UK)

Finland

Toyota Finance Finland Oy (TFF)

Italy

Toyota Financial Services Italia S.p.A.(TFSI)KINTO Italia SpA (KIT)

NorwayMexicoToyota Financial Services Norway (TFSN)

Argentina

Toyota Financial Services France (TFSF)
KINTO France SAS (KFR)

Colombia

SwedenAustralia

PolandNew ZealandSouth Africa

Toyota Financial Services Mexico, S.A. de C.V. (TFSMX)
Toyota Compañía Financiera de Argentina S.A. (TCFA)
Toyota Financial Services Colombia S.A.S. (TFSCO)
Toyota Finance Australia Ltd. (TFA)
Toyota Finance New Zealand Ltd. (TFNZ)KINTO New Zealand Ltd. (KNZ)

Asia / PacificThailandToyota Leasing (Thailand) Co., Ltd. (TLT)

Malaysia

Toyota Capital Malaysia Sdn. Bhd. (TCAPM)

Philippines

FranceToyota Financial Services Sweden (TFSSW)
Toyota Bank Polska S.A. (TBP)
Toyota Financial Services (South Africa) Limited.(TFSSA)

Czech Republic

Toyota Financial Services Czech s.r.o. (TFSCZ)

Denmark

Toyota Financial Services Danmark A/S (TFSDK)

Hungary
Toyota Financial Services Hungary Zrt. (TFSH)
Spain

Toyota Financial Services Philippines Corporation (TFSPH)

Toyota Financial Services España (TFSES)KINTO España S.L.U (KES)

TaiwanSlovakia

Hotai Finance Corporation (HFC)
Hotai Leasing Corporation (HLC)

Korea

Toyota Financial Services Korea Co., Ltd. (TFSKR)

Indonesia

PT Toyota Astra Financial Services (TAFS)

Vietnam

Toyota Financial Services Slovakia s.r.o. (TFSSK)

Russia

AO Toyota Bank (TBR)

Kazakhstan

Toyota Financial Services Kazakhstan MFO LLP (TFSKZ)

PortugalToyota Financial Services Vietnam Co., Ltd. (TFSVN)

Toyota Financial Services Portugal (TFSPT)KINTO Portugal S.A. (KPT)

India

Ireland

Toyota Financial Services India Ltd. (TFSIN)

Singapore

Toyota Financial Services Singapore Pte. Ltd. (TFSSG)
KINTO Singapore Pte. Ltd. (KINTO SG)

Japan
Japan

Toyota Finance Corporation (TFC)
KINTO Corporation (KINTO)

China

Toyota Financial Services (Ireland) DAC (TFSIR)

Austria

Toyota Financial Services Austria (TFSAT)

BelgiumToyota Financial Services Belgium S.A / N.V (TFSBE)

Netherlands

Toyota Louwman Financial Services B.V. (TLFS)
Toyota Motor Finance (Netherlands) B.V. (TMFNL)

SenegalCaetano Renting Senegal (CRS)

China

Toyota Motor Finance (China) Co., Ltd. (TMFCN)
Toyota Motor Leasing (China) Co., Ltd. (TMLCN)

As of July 202418

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