Toyota Finance Australia Investor Update FY25 Presentation

AGENDA

• The Global Toyota Group

• Toyota Finance Australia

• Sustainability

• TFA Credit Strength

• Financial Overview

DISCLAIMER

This presentation is being provided solely for your information, and may not be distributed to any other person, and may not be reproduced in any form, in whole or in part. Failure to comply with this restriction may constitute a violation of applicable securities laws. No reliance may be placed for any purposes whatsoever on the information contained in this presentation or any other material discussed verbally or on its completeness, accuracy or fairness. No representation or warranty, expressed or implied, is given by, or on behalf of, the Toyota Companies or any of the Toyota Companies' directors, officers or employees or any other person as to the accuracy or completeness of the information or opinions contained in this document and no liability whatsoever by the Toyota Companies or any of the Toyota Companies' directors, officers or employees or any other person for any loss howsoever arising, directly or indirectly, from any use of such information or opinions or otherwise arising in connection therewith. The information in this presentation is subject to verification, completion and change.

This presentation is not a prospectus or offering document and does not constitute or form part of and should not be construed as, an offer to sell or issue or the invitation or solicitation of an offer to buy or acquire securities or other financial products of any of the Toyota Companies (including TFA) in any jurisdiction or an inducement to enter into investment activity in any jurisdiction. Neither this presentation nor any part thereof, nor the fact of its distribution, shall form the basis of, or be relied on in connection with, any contract or commitment or investment decision whatsoever. Investors and prospective investors in the securities or other financial products of any of the Toyota Companies (including TFA) are required to make their own independent investigation and appraisal of the business and financial condition of the Toyota Companies and the nature of the securities and other financial products. This presentation does not constitute a recommendation regarding securities or other financial products of any of the Toyota Companies (including TFA). Any prospective purchaser of securities or other financial products of any of the Toyota Companies (including TFA) is recommended to seek its own independent financial advice.

The distribution and use of this presentation and other information in connection with any securities of TFA issued under the Euro Medium Term Note Programme referred to in this presentation or otherwise may be restricted by law in certain jurisdictions and is not provided to any person in any jurisdiction where it is unlawful to do so. Recipients of this presentation or any document or other information referred to herein should inform themselves about them and observe any such restrictions. TFA does not represent that this presentation may be lawfully distributed in compliance with any applicable registration or other requirements in any such jurisdiction where action for that purpose is required, or under an exemption available in that jurisdiction, nor does it assume any responsibility for facilitating any such distribution. In particular, no action has been taken by TFA or any other person which would permit distribution of this presentation in any jurisdiction where action for that purpose is required.

This presentation and the information contained herein is intended for distribution only to financial institutions and professional investors whose ordinary business includes the buying or selling of securities in circumstances where disclosure is not required under Part 6D.2 or 7.9 of the Corporations Act 2001 of Australia (Cth) (the “Corporations Act”), and only in such other circumstances as may be permitted by applicable law. The information must not be given, and is not intended to be given, to any "retail client" within the meaning of section 761G of the Corporations Act. The information in this presentation is general information only and does not constitute any form of legal, commercial or financial advice. It does not amount to an express or implied recommendation or a statement of opinion (or a report or either of those things) with respect to any investment in any of the Toyota Companies nor does it constitute financial product advice. If any financial product advice is, in fact, held to have been given by any of the Toyota Companies (including TFA) in relation to any securities of TFA, it is general advice only. No cooling-off regime applies under Australian law to investors in any securities of TFA.

THE GLOBAL TOYOTA GROUP

Toyota Australia is transforming into a mobility company, focusing on product design, sourcing environmentally friendly vehicles, extending usership through KINTO, establishing a Centre of Excellence, and supporting STEM education through the Toyota Community Trust.

Product Innovation includes hybrid vehicles, electric and fuel cell vehicles, petrol and diesel vehicles, automated vehicles, and cooperative intelligent transport systems.

Toyota Finance Australia's 2030 strategy focuses on three pillars: transforming the ownership experience, making usership easy and accessible, and becoming a future-fit organization.

TOYOTA AT A GLANCE

Toyota has been operating for over 80 years and is a global leader in mobility. In FY25, consolidated vehicle sales exceeded 9.3 million units, with continued expansion in manufacturing capabilities and a global presence.

Toyota Group Companies:

• TOYOTA: Markets vehicles in approximately 200 countries and regions, with 53 overseas manufacturing organizations.
• TOYOTA FINANCIAL SERVICES: Offers consumer financing, housing, banking, marine, telecommunications, securities services, and e-business.
• OTHER BUSINESSES: Includes intelligent transport systems, biotechnology, and afforestation.

Consolidated Vehicle Sales:

• FY18: 8,964,000
• FY19: 8,977,000
• FY20: 8,955,000
• FY21: 9,443,000
• FY22: 9,362,000
• FY23: 8,822,000
• FY24: 8,230,000
• FY25: 7,646,000

Sales Revenues:

• FY18: ¥37,154 billion
• FY19: ¥45,095 billion
• FY20: ¥48,037 billion
• FY21: ¥48,500 billion
• FY22: ¥31,380 billion
• FY23: ¥2,996 billion
• FY24: ¥2,725 billion
• FY25: ¥5,353 billion

GLOBAL TFS PRESENCE

Toyota Financial Services (TFS) has a global presence across Europe/Africa, Asia Pacific, Americas, and Japan. Key countries include Germany, UK, Australia, Vietnam, USA, Canada, and Japan.

TOYOTA FINANCE AUSTRALIA

Toyota Finance Australia (TFA) is a leading vehicle financier with over 43 years of experience, providing finance for both Toyota and non-Toyota vehicles. TFA has a long-standing partnership with the Australian Dealer Network and focuses on customer experience and retention.

AUSTRALIAN MARKET TREND

The Australian vehicle market has shown solid performance, with total new vehicle sales reaching 1,220,607 in the 12 months to December 2024. 2024 saw a record number of new SUV sales (696K).

New Vehicle Sales (units):

• 2018: 1,153K
• 2019: 1,063K
• 2020: 1,081K
• 2021: 1,050K
• 2022: 1,153K
• 2023: 1,217K
• 2024: 1,221K

Sales by Vehicle Type:

• Passenger: 2018: 455K, 2019: 240K, 2020: 222K, 2021: 297K, 2022: 304K, 2023: 326K, 2024: 322K
• Commercial: 2018: 270K, 2019: 222K, 2020: 203K, 2021: 222K, 2022: 203K, 2023: 211K, 2024: 203K
• SUV: 2018: 428K, 2019: 532K, 2020: 575K, 2021: 532K, 2022: 575K, 2023: 679K, 2024: 696K

TOYOTA'S MARKET LEADERSHIP

In 2024, Toyota marked its 22nd consecutive year as Australia's top-selling automotive brand with a 20.6% market share. Toyota was also recognized as the 'Most Trusted Brand in Automotive'. TFA continues its strategic alliance with Mazda and Suzuki.

Toyota is well-positioned for growth in hybrid vehicle sales, with 53,580 units sold in the first five months of 2025, representing 50% of Toyota's total sales in Australia and 68% of Australian new hybrid vehicle sales.

Market Share - YTD 31 May 2025: Toyota holds 21.5% market share.

Australian Vehicle Sales by Fuel Type:

• Hydrogen: Low percentages across all years.
• Electric: Low percentages across all years.
• PHEV: Low percentages across all years.
• Hybrid: Increasing trend from 1.2% in CY18 to 20.6% in YTD May25.
• ICE: Decreasing trend from 81.0% in CY18 to 57% in YTD May25.

OVERVIEW

Toyota Australia is transforming into a mobility company, focusing on product design, sourcing environmentally friendly vehicles, extending usership through KINTO, establishing a Centre of Excellence, and supporting STEM education through the Toyota Community Trust.

Product Innovation: Hybrid vehicles, Electric and fuel cell vehicles, Petrol and diesel vehicles, Automated vehicles, Cooperative intelligent transport systems.

Toyota Finance Australia Future Direction (2030):

• Purpose: To make a difference by enabling people to connect to what matters most.
• Mission: We empower people to innovate, making mobility possible.
• Vision: Create value by enabling freedom of movement.

TFA's 2030 strategy focuses on three pillars: Transform the Ownership Experience, Make Usership Easy and Accessible, and Become a Future-Fit Organisation.

VALUE CHAIN

The 'One Toyota' value chain encompasses Toyota Motor Corporation Australia Limited (TMCA) for sales, marketing, distribution, product planning, and customer experience; Toyota Finance Australia Limited (TFA) for retail and wholesale finance, insurance, and fleet management; and the Toyota Dealer Network for vehicle sales, servicing, and repairs.

Toyota is positioned as an essential partner throughout Australia.

BUSINESS OVERVIEW

Products and Services:

• Retail Finance: Consumer Loans, Commercial Finance, Guaranteed Future Value, Full-Service Lease (FSL).
• Dealer Finance: Bailment Finance, Commercial Real Estate, Working Capital, Revolving Credit Lines.
• KINTO: KINTO Share, KINTO Rent, KINTO Flex.
• Fleet Management: Asset Finance, Fleet Management, Vehicle Maintenance, Novated Leasing, Salary Packaging.
• Insurance: Comprehensive Motor Vehicle Insurance, Dealer Insurance.

Business Highlights:

• Established in 1982, TFA is a leading provider of automotive finance and insurance in Australia.
• Largest Fleet Management business of the global Toyota Group.
• Strategic alliance with Mazda Australia (AAAF) since 2019.
• Launched KINTO Share in March 2021 and KINTO Rent in June 2021.
• Agreement with Suzuki Australia in 2022 for financial services.

TOYOTA NETWORK IN AUSTRALIA

Toyota has a significant network in Australia, including 210 Dealers (188 Toyota, 22 Lexus), 323 physical dealership sites, and TMCA HQ, Regional Offices, and Toyota WA.

Additionally, there are 132 Mazda Dealers, 119 Suzuki Dealers, and 261 Power Alliance Dealers.

RETAIL SEGMENT

Products and Services:

• Consumer: Fixed rate loans, Guaranteed Future Value (GFV), Novated Lease, Full-Service Lease (FSL).
• Commercial: Fixed rate loans, GFV, Lease products, FSL.
• Wholesale: Real estate capital loans, Bailment facilities, Charge plan facilities, Working capital.
• Insurance: Retail Insurance (Comprehensive Motor Vehicle Insurance, Roadside Assistance), Dealer Insurance.

Overview: TFA is a leading vehicle financier with 43+ years of experience, providing finance for Toyota and non-Toyota vehicles. They focus on customer experience and retention.

Guaranteed Future Value (GFV) – Toyota Access: Car finance that puts you in the driver's seat.

FLEET SEGMENT

Overview: TFA is the largest Fleet Management business of the global Toyota Group, offering an end-to-end fleet solution through One Toyota. They have diversified customer portfolios and are one of the top 2 largest fleet management companies in Australia.

Products and Services: Funding Options, Fleet Management, Fleet Services, TFM Advisory Services, Asset Management, Vehicle Maintenance.

Specialist Business Areas: Novated Leasing, Salary Packaging, Small Business, Connectivity & Mobility, Rental, Commercial Vehicles, Environmental.

Distribution Channels: Includes direct sales, dealer channels, and introducers.

KINTO SEGMENT

Overview: KINTO is a car rental business launched in 2021, offering Toyota vehicles from over 200 locations. It provides a simple, flexible, and affordable mobility solution through car sharing, car rental, and car subscription.

KINTO is free to join and is a digital service allowing members to book, pay, unlock, and drive vehicles via smartphone. It has over 26,000 members and is focused on integrating with the Toyota ownership experience and fostering B2B partnerships.

Locations: 301

Vehicles: 678

SUSTAINABILITY

Toyota is committed to creating positive change through its Global Sustainability initiatives, focusing on achieving Zero CO2 Emissions and a Net Positive Environmental Impact.

Toyota Environmental Challenge 2050:

• Achieve Zero CO2 Emissions: Life Cycle Zero CO2 Emissions Challenge, New Vehicle Zero CO2 Emissions Challenge, Plant Zero CO2 Emissions Challenge.
• Achieve a Net Positive Environmental Impact: Challenge of Minimizing and Optimizing Water Usage, Challenge of Establishing a Recycling-based Society and Systems, Challenge of Establishing a Future Society in Harmony with Nature.

LOCAL SUSTAINABILITY

Toyota Australia is transitioning to decarbonization with a multi-pathway approach, offering low-carbon solutions. Electrified vehicle sales accounted for 38.2% of total sales in FY24.

The second-generation Toyota Mirai (hydrogen-powered) was launched in April 2021, and the all-electric bZ4X was launched in Australia in 2024.

Sales of electrified vehicles as a proportion of total sales:

• 2017/18: 7.2%
• 2018/19: 4.9%
• 2019/20: 7.2%
• 2020/21: 31.1%
• 2021/22: 31.2%
• 2022/23: 27.5%
• 2023/24: 38.2%

Sustainability Metrics (FY24):

• 2,460 Hybrid batteries recycled.
• 2,692t of CO2 offset from solar systems.
• 1,532t of waste recycled.

TFA CREDIT STRENGTH

This section highlights the credit strength of Toyota Finance Australia (TFA).

SELECT ENTITIES

This section outlines the key entities within the Toyota Financial Services (TFS) group, including TMC, TFSC, TFSIC, TCCI, TMFNL, TFA, and TMCC. TFA, TCCI, and TMFNL are named issuers under the Euro Medium Term Note Programme and the Australian Debt Issuance Programme.

CREDIT SUPPORT AGREEMENTS

Securities issued by TFA have the benefit of a credit support agreement with TFSC, which in turn has a credit support agreement with TMC. TFSC will maintain TFA's tangible net worth, and TMC will ensure TFSC maintains its tangible net worth.

CREDIT RATINGS

Toyota Motor Corporation:

• Standard & Poor's: Long Term A+, Short Term A-1+
• Moody's: Long Term A1, Short Term P-1
• Outlook: Stable (As at June 2025)

Toyota Finance Australia Limited:

• Standard & Poor's: Long Term A+, Short Term A-1+
• Moody's: Long Term A1, Short Term P-1
• Outlook: Stable (As at June 2025)

FINANCIAL OVERVIEW

This section provides a financial overview of Toyota Finance Australia.

FINANCIAL HIGHLIGHTS – GLOBAL TOYOTA

Sales Revenues: Showing a consistent increase from FY2022 to FY2025.

Operating Income: Fluctuating but generally increasing trend.

Net Income: Showing an increasing trend.

Total Liquid Assets: Steadily increasing from FY2022 to FY2025.

Capital Expenditures: Increasing trend from FY2022 to FY2026 (Forecast).

R&D Expenditures: Increasing trend from FY2022 to FY2026 (Forecast).

FINANCIAL HIGHLIGHTS – TOYOTA FINANCE AUSTRALIA

Financing & Similar Revenue: Consistent growth from FY2022 to FY2025.

Finance Margin: Stable trend with slight fluctuations.

Profitability: Net Profit after tax showing growth, with Profit Before Tax & Fair Value Movements also increasing.

Cash and Cash Equivalents: Slight decrease from FY2022 to FY2023, followed by an increase in FY2024 and FY2025.

Total Assets: Steadily increasing from FY2022 to FY2025.

Total Impairment Loss: Fluctuating trend, with a significant increase in FY2024.

ASSET QUALITY AND GROWTH

Asset Growth: Growth of assets to A$33.4b in FY25, with an increase in loans and leases to A$30.5b.

Credit Quality: Strong and stable credit quality demonstrated through low credit losses and delinquencies.

TFA's Strategies: Leader in automotive industry application scorecards since 2001, with continuous optimization strategies for loss mitigation, including risk-based collection segmentation and Champion/Challenger testing.

Provision for Impairment: Established on objective evidence.

Retail Arrears (90+ Days Past Due): Showing a decreasing trend from 0.54% in 2020 to 0.36% in 2025.

Asset Performance: Total impairment loss and provision for impairment show fluctuating trends.

Credit Losses: Bad Debts Written Off Net Losses show a decreasing trend.

FUNDING OVERVIEW

Funding Strategy: Diverse, Cost Effective and Stable Funding through a mix of currencies (AUD, USD, EUR, GBP, NZD, HKD). Established presence in Australian, Euro, and Uridashi bond markets. Three CP programs across Euro, US, and Australian markets. Access to Private Securitisation programs. Expanding funding from various markets.

FY 2025 Total Debt by Product & Currency: $29.7B total debt, with the largest portion in USD (41.7%) and AUD (25.1%).

Frequent Issuer - Capital Markets Issuances: Includes ongoing CP and ABS issuance, private placements, and various MTN programs.

LIQUIDITY

Master Credit Facility: US$15 billion, including US$5 billion each for 364-day, 3-year, and 5-year syndicated bank credit facilities.

Money Market Facilities: A$3.39 billion in uncommitted and bilateral committed facilities.

Commercial Paper: A-1+ / P-1 rated domestic, euro, and US commercial paper programs.

Securitisation: A$664 million of available capacity from private securitisation programs.

Cash and Cash Equivalents: A$1.8 billion in short-term liquidity and investments.

Debt Capital Markets & Intercompany Lending: Access to domestic and international capital markets and credit support agreements from TMC-TFSC-TFA.

Liquidity attributes: Reliable, Strong, Stable.

FUNDING STRATEGY

Funding Approach: Diverse, cost-effective, and sustainable funding. P-1 | A-1+ ratings for Commercial Paper. Global Issuer status for Euro and AUD Medium Term Note Programmes. Private ABS for readily salable retail receivables. Credit Facilities include committed and uncommitted bank credit facilities.

Investor Focused: Long-Term Approach (Responsive), Best-in-Class Execution (Transparent).

FUNDING STRENGTHS

Toyota Finance Australia's funding strengths include a diverse, sustainable, and cost-effective program, strong demand, demonstrated securitization capacity, diversification across markets and currencies, and strong stakeholder relationships. They also have exceptional liquidity supported by a strong balance sheet and access to significant credit facilities.

STRENGTH OF ONE TOYOTA

The 'One Toyota' model emphasizes an established business model, consistent market leadership, strategic coordination, financial strength, ongoing investment in technology, and adherence to 'Toyota Way' principles. Stakeholder management is focused on customer retention, satisfaction, and sustainable relationships with business partners, communities, and investors.

Contact

Email: Investorrelations@Toyota.com.au

Website: www.toyota.com.au/explore/corporate/investors