TOYOTA FINANCIAL SERVICES - CORPORATE GUIDE
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TOYOTA FINANCIAL SERVICES
CORPORATE GUIDE
Hiroyoshi Korosue
Group CEO
TFS
Chief Officer
TMC
Sales Finance Business Group
TFS, Shifting to be more Practical and Sustainable
As the Toyota Group Sales Finance Company, TFS has provided Customers,
Dealers, Distributors and partner companies with practical and sustainable
values so that no one is left behind in these challenging times. It is also your
strong commitment and support that helped us to continue moving forward.
To produce happiness for all, Toyota group is tackling Carbon Neutrality. TFS is
committed to financial services tailored to each country and Region so that
Toyota can offer any type of electrified vehicles (PHEV, HEV, BEV, FCEV or any
other type) to our Customers. TFS will evolve as much as needed at the core of
this goal.
TFS has globally accelerated digitalization to cope with sudden and dynamic
changes based on Toyota’s concept of “Software First”. Our officers and
employees are welcoming new technologies and engaging in trials with our
partners for the future services.
Join us on the journey towards “Mobility for All”. Let’s make it a reality for our
society.
Thank you for your support and partnership.
1
Toyota Financial Services 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 in which we
operate. Our products and services differ from country to country to meet market
conditions and regulatory requirements, but around the world we are a company focused
on delivering quality products that meet our customers’ needs.
MISSION Provide sound financial services that contribute to
a prosperous life for Toyota customers and others
VISION Create value by enabling freedom of movement
THE TFS WAY Challenge Speed Unity of Purpose
2
Group Structure
TFS 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, TFS aims
to build customers for life by supporting their life events.
Toyota Motor Corporation (TMC)
TMC Sales Finance Business Group
Toyota
Financial Internal/
Toyota Financial Services Corporation (TFSC)
Services External
Board of Directors
Audit
(TFS)
TFS Group Top Management
TMFNL
Region
Americas Europe
Japan Asia Pacific China
Oceania Africa
Corporate
Risk Management
KINTO Planning
Innovation
Financial Value Chain Business
TFS and TMC Sales Finance Business Group
TFS has become a part of TMC as the “Sales Finance Business Group.” This 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 the highest operational decision-making body of TFS. Some members of the Board of
Directors are management members of TMC.
The Strategic Management Committee composed of members from TFS only and includes TFS Top Management and the
Region Chief Officers. These committees discuss strategic matters that will help guide TFS.
Regions
TFS operates five regions which are responsible for assessing the market, developing strategy, and supporting the TFS sales
finance companies to best meet the various needs of TFS 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 130 (As of April 1, 2021)
URL http://www.tfsc.jp/
Brief History 1982 Toyota Finance Australia Ltd (TFA), (Australia) established
Toyota Motor Credit Corporation (TMCC), (USA) established
1988 Toyota Finance Corporation (TFC), (Japan) established
1996 Expanded to 10 countries/locations
2000 Toyota Financial Services Corporation (TFSC) established
2001 Expanded to 20 countries / locations
2005 Expanded to 30 countries / locations
2021 Expanded to 40 countries / locations
Directors Hiroyoshi Korosue (President / TMC Chief Officer of Sales Finance Business Group)
Shinya Kotera (Senior Executive Vice President)
Mark Templin (TMCC President & CEO)
Hao Tien (TMC Deputy Chief Officer of Sales Finance Business Group)
Toshiyuki Nishi (TFC President)
Koji Kobayashi (TMC Representative Director & Chief Risk Officer)
Yoshihiro Nakata (TMC Senior General Manager)
Masahiro Yamamoto (TMC General Manager)
Audit & Supervisory Hiroshi Takahashi
Board Members Kenta Kon (TMC Director & Chief Financial Officer)
Katsuyuki Ogura (TMC Audit & Supervisory Board Member)
Managing Officers Hitoshi Watanabe
Toshiaki Kawai
Akira Tsuboi
Izumi Sugiyama
Naoki Tokuhisa
As of July 2021
4
Americas Oceania Region
“During the COVID-19 pandemic, TFS Americas Oceania Region Sales Finance
Companies demonstrated their value by working closely with distributors to meet the
needs of dealers and consumers. By providing a stable source of financing in a volatile
environment, and working with customers facing financial uncertainties, TFS not only
enabled sales, but helped create customers for life. At the same time, TFS team members
continued transforming and growing our organization with enhanced products and
processes to ensure we are ready to take advantage of future opportunities.”
Mark Templin
President & CEO Mark Templin
Toyota Financial Services Americas Oceania Region
Markets at a Glance*
Our 5,100 team members across the region manage $176 billion USD in assets and are dedicated to serving over 6.2
million customers and 2,500 dealer wholesale accounts. With sales finance companies in Canada, the United States,
Mexico, Puerto Rico, Venezuela, Brazil, Argentina, Australia and New Zealand, we draw upon our extensive scale and
experience to capitalize on unique market opportunities.
*As of March 31, 2021
Americas Oceania Region Overview
9 Sales Finance Companies in Americas Oceania Region
Toyota Credit Canada Inc.
1 (TCCI) Markham, Ontario
Toyota Financial Services
1 2 (TFS USA) Plano, TX
Toyota Financial Services Mexico
2 3 (TFSM) Mexico City, Mexico
Toyota Credit de Puerto Rico
3 4 4 (TCPR) San Juan, Puerto Rico
5 Toyota Services de Venezuela
5 (TSV) Caracas, Venezuela
Banco Toyota do Brazil
6 (BTB) Sao Paulo, Brazil
Toyota Compañía Financiera de Argentina
6
7 (TCFA) Buenos Aires, Argentina
Toyota Finance Australia Ltd.
8 8 (TFA) Sydney, Australia
9 7
Toyota Finance New Zealand Ltd.
9 (TFNZ) Auckland, New Zealand
5
Customer-Centric Products, Services & Processes
We are proud to offer unique financial products and services to our customers and dealers, whose satisfaction is our
overarching objective. Now more than ever, the Americas Oceania Region is deploying a range of digital solutions that
make it even easier to do business with us than ever before.
Toyota SmartPath and Lexus Monogram (USA)
Developed in collaboration with Toyota Motor North America, Toyota SmartPath
and Lexus Monogram provide digital tools that put the car buying process in the
hands of the customer. The technology enables increased transparency into
current inventory, real-time pricing, and flexibility for customers to shop online or in
the dealership. Customers can choose the path that works best for them by starting
their journey online, saving their progress in the “digital garage” and then
completing their purchase at home or at their dealer.
TFS Home Delivery (Mexico)
During COVID19, TFS Mexico (TFSMX) reacted in record time to ensure business
continuity under unprecedented circumstances, prioritizing the health and safety of
team members and customers. TFSMX launched the totally new digital sales
channel “TFS Home Delivery.” It allows customers to select a car, obtain a quote,
and get approval for credit digitally. The only in-person touchpoint with customers
happens when the car is delivered to them at home, while social distancing and
sanitization protocols are maintained. A joint effort with the distributor and the
dealer network, this process was awarded the J.D. Power “Best Digital Auto Sales
Process in Mexico.” TFS Home Delivery was fundamental in reaching a new
contract market share of 54% in one of our most challenging fiscal years.
Used Car Platform (Argentina)
TCFAutos.com, a used car platform, was launched in 2016, allowing dealers to list
their used vehicle stock. Consumers using the site can select a pre-owned car from
dealer stock and are offered financing plans. Toyota, Lexus and other brands
traded-in at Toyota dealers are included. In partnership with Toyota Argentina S.A.
Toyota Usados system since 2019, the platform also includes Toyota and Lexus
pre-owned vehicles through a completely digitized certification process is the
platform includes a payment estimator, online credit approval, and specific finance
plans for each customer. Owned and managed by Toyota Compañía Financiera de
Argentina S.A. (TCFA), the platform is flexible and customizable.
BTB ADS (Brazil)
By listening to dealers and our sales team, Banco Toyota do Brasil (BTB) identified
the opportunity to develop an enhanced response to a credit application. BTB’s
Alternate Deal Structure (ADS) generates multiple financing options for our
customers. ADS is the next generation of risk analysis, supporting fast and flexible
credit decisions, while preserving the quality of the negotiations, improving
customer satisfaction, and increasing BTB’s new retail originations. ADS supports
customers who have their credit application initially denied by providing alternative
financing options. It also supports approved customers by suggesting additional
options to finance their vehicles, delivering a complete customer-centred
experience.
6
Europe Africa Region
During last year’s Covid 19 crisis, we learned how to run our business remotely…. But we didn’t
just maintain steady progress, we made stunning advances. We innovated. In terms of portfolio
size, assets and used car, we have broken records. But we also continue to keep our strategic
priorities and investments regarding Mobility and Innovation. In 2021, we officially welcomed
TFS Belgium as the 20th SFC family member in the TFS Europe & Africa Region (EAR).
Through the further expansion of the KINTO brand, we are reaching the growing fleet sector
and preparing the path towards becoming a true mobility company. In our EAR Innovation Hub
in Duesseldorf, Germany we are developing innovative ideas and concepts that can be
nurtured into future potential businesses, both inside and outside of our traditional Financial Ivo Ljubica
products and services. Additionally, the Covid 19 crisis has shown that more and more
emphasis is being placed on digitalization to be able to transact online and soon be fully ready
for electrification. Our strength in Europe remains in the close relationships we have
established with our NMSCs (National Marketing & Sales companies) and TME (Toyota Motor
Europe), where strategically we are totally aligned - across Retail, Digital and Mobility.
Ivo Ljubica
CEO, TFS Europe & Africa Region
Markets At A Glance*
1,988 team members across 20 locations in Europe and Africa service over 1,694 Toyota and Lexus retailers for whom
TFS provides funding exceeding €2.9 billion. In total, our outstanding customer portfolio numbers exceed 1.6 million live
accounts representing an asset size of over €24 billion.
*As of March 31, 2021
A YEAR OF RECORDS
Last fiscal year TFS EAR again TCM (Trade Cycle Management) Total TFS penetration maintained on a
achieved a number of historic products, underpinning the new level above 36% (including KEU (KINTO
records in the traditional Finance sales distribution strategy in Europe GmbH) 38%) despite a very
& Lease business. The number of Europe, represented almost ½ challenging period.
new car and used car contract (48%) of the TFS business “The Core 5” remain our volume drivers
acquisitions continuously followed by Credit (40%) and within Europe. Leading the finance charge
increased over the last years and Fleet/FSL (Full Service Lease) is our flagship A-segment vehicle, AYGO,
despite COVID impact, reached comprising the final 12%. TCM with a penetration rate at 49% for
more than 520 thousand units in products are gaining popularity FY2021. YARIS, an extremely competitive
FY2021. every year and thanks to the B-segment vehicle, sits at 44%, followed
launch of TCM 2.0 product – by two C-segment giants: C-HR and
New
Used 545k Toyota EASY – this trend will COROLLA. Toyota RAV4 has maintained
512k 520k
488k continue. its popularity through COVID-19 with a
445k strong penetration of 35%.
164
149 165 FSL
137
135 FLEET 5% 49%
7% 44%
40%
37% 35%
TCM
363 381 48%
351 355 Credit
310
40%
AYGO YARIS C-HR COROLLA RAV4
2017 2018 2019 2020 2021
7
KINTO launch in EAR KINTO Europe (JV: 51% TFSC, 49%TME)
ESTABLISHMENT OF KINTO EUROPE GMBH
KINTO
APRIL 1, 2021 EUROPE
We finished the last Fiscal year with a milestone
achievement, establishing KINTO Europe GmbH on
April 1 2021 and adding mobility to the FSL MOBILITY FINANCE FSL
business. KINTO KINTO KINTO KINTO KINTO
SERVICES BRAND PLATFORM Europe One
Merging the resources of TFS, TME and TIS(Toyota
Insurance Services) , now allows us to act as one
team and build lateral synergies to offer KINTO mobility and FSL products across the EAR. In total 25 team members
are taking care of service and business development, brand work and platform.
EAR Innovation Hub
Throughout the last year, the EAR Innovation Hub has focused
its efforts towards bringing ideas to life. Together with its wide
network of TFS collaborators and innovation experts, the team
is working on eight projects, ranging from a ridesharing service
for kids (Zweelo), a micro-mobility service for universities (MiMo
drive), a used-car trading platform (The Hybrid Place) to
various other initiatives in the field of carsharing, parking,
fueling and digital communication platforms. Along the way, the
EAR Innovation Hub has furthermore launched the TFS Idea
Accelerator, a Region-wide venture building program.
This initiative invited any TFS employee to submit an innovative idea via a digital platform, to pitch for a budget and to
potentially bring it to life in pilot market via the network and support of EAR Innovation Hub. Strong communication
and collaboration among all SFC markets resulted in remarkably high participation rates and opened doors for all TFS
employee to participate in our open innovation culture.
EAR Digital
Today we are offering an online finance calculator STATUS ONLINE FINANCE ACROSS TFS EAR
to support new car sales in 18 markets of EAR
region. In 2021, we continue to work on ONLINE FINANCE
3 markets live:
Norway, Finland & Denmark
geographical expansion, as well as further product NEW CAR Markets under development:
Sweden - Q3 2021
coverage to support new markets and used car.
With online finance live in 3 markets, we offer our PAN E ONLINE FINANCE VENDORS
ONLINE FINANCE
customers the possibility to transact fully online USED CAR
2 markets under development:
Spain & France – Q3/Q4 2021 TORQUE ITS
with TFS when purchasing their new car. With LOCAL FINANCE SOLUTION
Sweden as the 4th market on the roadmap for
2021, as well as used car pilots in Spain and
France, we are enlarging our digital footprint and South Africa
TFS SA
supporting future innovation.
8
Asia Pacific Region
"The Asia Pacific Region remains one of the fastest growing, dynamic and most diverse region
within Toyota Financial Services.
TFS forms a strong partnership with each sales finance company to offer a wide and competitive
range of financing products and services to our dealers and customers. In order to tap the huge
potential in this region, we will leverage on 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, dealers and distributors. As the key player in Hao Quoc Tien
this region, we are prepared to ride the new technological 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 4,800 team members are dedicated to serving over 1.8 million
customers and a distribution network of more than 1,500 dealers outlets with over 340 wholesale accounts. Asia
Pacific Region has more than $19 billion USD in managed assets.
*As of March 2021
Asia Pacific Region
9 Sales Finance Companies operating in Asia Pacific Region
Toyota Financial Services Korea Co., Ltd.
1 (TFSKR) Seoul, Korea
Hotai Finance Corporation (HFC) Taipei, Taiwan
1 2 Hotai Leasing Corporation (HLC) Taipei, Taiwan
Toyota Financial Services Philippines Corporation
3 (TFSPH) Makati City, Philippines
2 Toyota Leasing (Thailand) Co., Ltd.
4 (TLT) Bangkok, Thailand
Toyota Financial Services India Ltd.
5
4 3 5 (TFSIN) Banglore, India
6
Toyota Financial Services Vietnam Co., Ltd.
7 6 (TFSVN) Ho Chi Minh City, Vietnam
8 Toyota Capital Malaysia Sdn. Bhd.
7 (TCAPM) Petaling Jaya, Malaysia
9
8 Toyota Financial Services Singapore Pte Ltd.
(TFSSG) Singapore
PT Toyota Astra Financial Services
9 (TAFS) Jakarta, Indonesia
9TLT Toyota Wallet (TLT Thailand)
TLT launched TOYOTA Wallet in October 2020.
TOYOTA Wallet is essentially the global product of Toyota’s passionate
commitment to the development of technological innovations through mobile
application platform that allows customers to enjoy using this e-Wallet as a
payment solution that seamlessly matches their needs in the current cashless
society.
TOYOTA Wallet ensures that the customer’s digital payment experience is
filled with comfort, convenience and security, while allowing them to enjoy
freedom of payment when making transactions at Toyota and non-Toyota
merchants, both offline or online.
TOYOTA Wallet in Thailand is currently accepted at Toyota dealer outlets, Toyota Simply Application, KINTO, and
Tag30 (QR code payment in Thailand). In the near future, more offline and online merchants will be added to
TOYOTA Wallet and further enhancements will be made to move towards becoming an e-wallet that is used
universally, not just in Thailand, but also in other countries where TOYOTA Wallet is available.
EZ Connect (TCAPM Malaysia)
TCAPM has introduced the all-new Toyota Capital’s EZ Connect mobile
application, which provides customers with instant access to their car financing
account and allows them to make real-time, online installment payments with
notifications on the transactions to keep them assured.
Customers can also get real time check on their loan balance and installment
due, as well as view their car financing contract details. Customers will receive
reward points if they pay installment in advance.
To enhance service to the customers, Toyota Capital’s EZ Connect provides
additional features such as:
・Quick link to the following websites: Toyota, Lexus and Perodua
・Latest updates on promotions and product offers
・Reward points when customers successfully introduce friends to TCAPM’s products.
DEAL (TAFS Indonesia)
TAFS has introduced DEAL, a mobile application specifically designed to ease
the salesperson in performing credit functions at Dealerships.
TAFS realizes Dealers play an important role as TAFS’ partners in providing the
best services to customers.
Aiming to build seamless acquisition process with Dealers, DEAL enables the
salesperson in performing credit simulation and calculation, uploading
customers’ data and credit applications, monitoring credit process and credit
decision, while also providing paperless e-purchase order, e-signature, and
e-contract.
This application is also equipped by E-Know Your Customer, scoring engine,
auto decision, sales achievement dashboard and gamification to encourage
the salesperson's engagement with TAFS products and services.
10China Region
2020 was an extraordinary year in human history. Yet, in a year filled with uncertainties, our
Toyota sales in China reached 1.8 million units, an increase of 11% compared to industry
trends. Our TFS China region contract volume outperformed the growth of automotive sales
to a stunning growth rate of 15%.
With our strategic target set, we will continue to develop and expand our business. Our
company’s future can be described with one central task and two basic points.
Xu Lun
I. One Central Task
Set each vehicle as our main line to meet the needs of every customer.
II. Two Basic Points
1. Rely on our core competitiveness to seek more profit opportunities.
2. Promote traditional and explore new business, fund new business with our traditional
business to seek sustainable growth.
Xu Lun
CEO, TFS China region
Region Highlights
Core Business Developments in China
*As Toyota China’s major financial strategic EV partner, TFS China has been playing an active role in Toyota China’s
EV marketing to support its goal of carbon neutrality and sustainable development. TFS China’s continuous endeavor
in developing the rental business has also made a helpful attempt for Toyota China’s transformation into a mobility
company.
*To implement Toyota’s strategy of “software first”, TFS China has been increasing its investments in 2 areas:
1. China’s IT infrastructure construction
2. Improving the customer experience.
Through digital transformation and expanding to an online model, TFS China has matched online market platforms
such as KINTO with customer demands and realized the large-scale development of TFS’s online business.
*In order to provide service for every Toyota car throughout its product life, combined with TCM, TFS has initiated the
exploration of used car leasing business and used car wholesale financing business to build a trading platform, and
build Certification System, constantly expanding business leasing and providing a rich source of used cars business.
11Japan Region
In today’s environment, we are seeing the automobile industry entering a period of change, a
once in a 100 years transformation. The rapid progress towards a mobility and connected
society, where customers preferences are moving from ownership to utilization of vehicles. These
changes in customer preferences 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
business using FinTech. We are further faced with increasing competition from startup
companies beyond the financial services industry. Toshiyuki Nishi
We see these new trends as opportunities and will challenge 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 and
stakeholders, and will contribute to society by further increasing corporate value.
Toshiyuki Nishi
CEO, TFS Japan Region
Strategic finance products and unique product "Tsukatte Back"*
Tsukatte Back
Balloon Finance “ Tsukatte Back”
New and unique products by Toyota
"Tsukatte Back" is a product in
Jan. Feb. Mar.
Use 300P 800P 500P which the Credit Card Points
TS CUBIC CARD ！ can be used as cash back for
monthly payments of Auto
50:50 P Finance.
(Deposit & Guaranteed future value) 1.5 times ¥450 ¥1200 ¥750
Points ￥
Cash back
Tsukatte Back Monthly Payment
for Auto Loans *1 point=JP￥1.5
Jan. Feb. Mar. Apr.
TFC Business Office Locations
Auto Finance Hokkaido Branch
(Sapporo)
Dealers (T/L/DH) Headquater
Chubu Branch
Nagoya Center
(Nagoya)
Tohoku Branch
(Sendai)
Individual Corporate Chugoku Shikoku Branch
Customers Customers (Okayama) Tokyo Office
Kanto Branch
Tokyo Center
(Tokyo)
Kyushu Branch
(Fukuoka)
Kinki Branch
Credit Card (Osaka)
12KINTO Mobility Services
LEADING THE TRANSFORMATION
TO A MOBILITY COMPANY MESSAGE FROM THE CEO
The KINTO brand was launched two years ago to help Toyota Mr. Shinya Kotera
lead the transformation from an automotive company to a
mobility company. At KINTO, we aspire to provide better
mobility for all. We believe mobility
means different things to different
GLOBAL KINTO WEBSITE people.
The global KINTO website recently made its debut to the public It's about providing flexibility of
early June. Visitors can visit our website link @: movement to go anywhere, via any
https://www.kinto-mobility.com means of transportation, anytime.
The KINTO website provides information regarding mobility We strive to make the mobility
services available around the world and helps build KINTO experience simple, accessible, and fun.
brand awareness.
KINTO SHARE PASSPORT
This program will debut in Japan. Japanese tourists traveling
abroad will have access to KINTO SHARE services wherever
KINTO SHARE is available.
This is first step towards offering global and seamless KINTO
services to KINTO customers worldwide.
KEY Facts About KINTO
1 2 3
4 5 6
+30 KINTO Services >160K
#of Countries with KINTO # of Customers Worldwide
13EVER BETTER MOBILITY FOR ALL
Leading the way to a mobility future by adding new and innovative mobility services to our core business of automotive
manufacturing, financing and insurance.
KINTO EUROPE
KINTO brand was launched in Europe in 2019 and have since introduced 4 mobility
solutions in different markets.
Established in April 2021, KINTO Europe regroups KINTO-branded mobility
services under one roof to bring increased customer value and further unlock
market potential.
Americas Oceania Region
Americas Oceania Region provides KINTO mobility services that cover the US,
Canada, Puerto Rico, Mexico, Australia, and New Zealand. Currently, KINTO SHARE is
the most prevalent offering in this region.
The Americas
KINTO Brazil (TLAC)
Established in July 2020 as a joint venture with Mitsui & Co, KINTO Brazil leverages
TFSC's mobility service capability and Mitsui’s business experience and network in
Latin America. KINTO Brazil is a Brazilian mobility service provider and is leading the
mobility business in Latin America.
Asia Pacific Mainland China
Asia KINTO services provide a wide range of mobility KINTO Online Sales Platform is now available
services for the region. KINTO services are available in throughout a wide area of Mainland China. The
Thailand, Indonesia, Malaysia, Singapore, India, and network has been expanded to 109 Toyota dealers in
Philippines. 41 cities since service launched in December 2020. To
The region is continuously looking for ways to better provide mobility flexibility, KINTO Share services have
provide value for the customers as their mobility needs launched in limited areas.
and preferences evolve.
KINTO Japan
Founded in January 2019, KINTO has shareholders from Toyota Vehicle &
Options
Optional
Insurance
Financial Services, Sumitomo Corporation, Sumitomo Mitsui
Banking Corporation and Sumitomo Mitsui Auto Services. Automobile Full Service Maintenance
KINTO services include KINTO ONE and FLEX. Customers can Flat Monthly Fee
select from 33 Lexus and Toyota vehicles under one monthly flat
fee subscription.
Repairs Registration
Fees
Outline of KINTO ONE
14TOYOTA Wallet
What is TOYOTA Wallet?
TOYOTA Wallet is a digital money App, introduced in Japan by TOYOTA. It
brings together a range of payment options in a single app which is
connected to a broad network of merchants who accept mobile payments.
Why TOYOTA Wallet with TOYOTA?
– Mobility for All, Payment for All –
As TOYOTA works on transforming itself from a car company to a mobility
company, we can see a world where various mobilities are available for all.
Customer will have more opportunities to make payments to such mobility
services. These services must be provided with a secured and unified
settlement method. TOYOTA Wallet will enable the customers to enjoy a
wide variety of mobility services with just one App without any concerns and
hustle.
What TOYOTA Wallet Envisions
Cashless payments are just the beginning. On top of the basic payment function, we believe TOYOTA Wallet will be a
foundation for a wide variety of life and financial services, to enrich the customers’ life.
These services include a personal ID function, an investment function, a financial management tool, a restaurant
related tool, a personal scoring, and etc. TOYOTA Wallet is not just as a tool to enjoy TOYOTA’s enhanced customer
service for all things mobility related. We aim to develop this App to become a Super App, which will enable the
customer to access a range of services in a timely and most suitable manner.
Progress and Development
Since the initial release of the App in November 2019, the number of TOYOTA Wallet users have been growing
steadily. Services around life and financial areas are under development and to be added to the TOYOTA Wallet one
by one, so that the users will be able to enjoy a wide variety of services with a registered payment method on the App.
TOYOTA Wallet has also taken a step forward in the world. In order to deliver its services globally, it has deployed
resources worldwide and successfully released the first non-Japan App for Thailand. TOYOTA Wallet will continue
exploring opportunities to develop both in Japan and worldwide, to enrich people’s lives.
15Toyota Blockchain Lab
Background
Blockchain technology can help ensure secure data sharing
among various parties through features like 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 6 companies*.
As the catalyst for utilizing technology, TBL has been examining
plans for promising applications and promoting demonstration
trials while accumulating knowledge.
TBL also engages in global collaboration.
*Toyota Motor Corporation, Toyota Financial Services Corporation, Toyota
Finance Corporation, Toyota Systems Corporation, Denso Corporation, Toyota
Central R&D Labs., Inc.
Main Applications
Customers Increasing convenience and improving personal information management.
Vehicles Improving various services and creating new services by collecting information regarding vehicle
life cycles.
Supply chain Improving efficiencies on business processes and traceability by recording and sharing information
on parts manufacturing, shipping, etc.
Future Direction
Expand collaborations with various companies to accelerate initiatives for business implementation.
16Financial and Operational Performance
In the fiscal year that ended in March 2021, 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
its relationships and sales support with worldwide Toyota and Lexus distributors and dealers, to better serve its
customers. Serving over 29 million customers worldwide, the global TFS network is supported by sales finance
companies in 40 countries.
TFS consolidated profit achieved all-time high historically. This remarkable achievement was mainly due to the
support from all our Regions.
Customer Accounts of TFS Group Total Assets of TFS Group Operating Income of TFS Group
(Millions) (Billions USD) (Billions USD)
4.2
248.2
30 29.1 250 4
27.7 28.0
225.8
26.8
213.4 213.2
25
200
12.8 3
11.9 12.2
11.5
20 2.5
150 2.3 2.3
15 2
100
10
16.3
15.8 15.8
15.3 1
50
5
0 0 0
2018 2019 2020 2021 2018 2019 2020 2021 2018 2019 2020 2021
Credit Card Sales Finance
Fiscal year ending March 31.
TOYOTA GAZOO Racing
© TOYOTA GAZOO Racing 2021 © GTA
17Americas Oceania Europe/Africa
USA Germany
Toyota Motor Credit Corporation (TMCC) Toyota Kreditbank GmbH (TKG)
KINTO Europe GmbH (KEU)
Puerto Rico
KINTO Deutschland GmbH (KDE)
Toyota Credit de Puerto Rico Corporation (TCPR)
UK
Canada
Toyota Financial Services (UK) PLC (TFSUK)
Toyota Credit Canada Inc. (TCCI)
KINTO UK Ltd. (KINTO UK)
Brazil
Finland
Banco Toyota do Brasil S.A. (BTB)
Toyota Finance Finland Oy (TFF)
KINTO Brasil Serviços de Mobilidade Ltda. (KINTO Brasil)
Italy
Venezuela
Toyota Financial Services Italy (TFSI)
Toyota Services de Venezuela, C.A. (TSV)
KINTO Italia SpA (KIT)
Mexico
Norway
Toyota Financial Services Mexico, S.A. de C.V. (TFSMX)
Toyota Financial Services Norway (TFSN)
Argentina
France
Toyota Compañía Financiera de Argentina S.A. (TCFA)
Toyota Financial Services France (TFSF)
Australia KINTO France SAS (KFR)
Toyota Finance Australia Ltd. (TFA)
Sweden
New Zealand Toyota Financial Services Sweden (TFSSW)
Toyota Finance New Zealand Ltd. (TFNZ)
Poland
Toyota Bank Polska S.A. (TBP)
Asia/Pacific South Africa
Thailand Toyota Financial Services South Africa Ltd. (TFSSA)
Toyota Leasing (Thailand) Co., Ltd. (TLT)
Czech
Malaysia Toyota Financial Services Czech s.r.o. (TFSCZ)
Toyota Capital Malaysia Sdn. Bhd. (TCAPM)
Denmark
Philippines Toyota Financial Services Danmark A/S (TFSDK)
Toyota Financial Services Philippines Corporation (TFSPH)
Hungary
Taiwan Toyota Financial Services Hungary Zrt. (TFSH)
Hotai Finance Corporation (HFC)
Spain
Hotai Leasing Corporation (HLC)
Toyota Financial Services España (TFSES)
Korea Toyota Fleet Mobility España S.L. (TFMES)
Toyota Financial Services Korea Co., Ltd. (TFSKR)
Slovakia
Indonesia Toyota Financial Services Slovakia s.r.o. (TFSSK)
PT Toyota Astra Financial Services (TAFS)
Russia
Vietnam AO Toyota Bank (TBR)
Toyota Financial Services Vietnam Co., Ltd. (TFSVN)
Kazakhstan
India Toyota Financial Services Kazakhstan MFO LLP (TFSKZ)
Toyota Financial Services India Ltd. (TFSIN)
Portugal
Singapore Toyota Financial Services Portugal (TFSPT)
Toyota Financial Services Singapore Pte Ltd. (TFSSG) Finlog - Aluguer e Comércio de Automóveis S.A. (Finlog)
Ireland
Japan Toyota Financial Services (Ireland) DAC (TFSIR)
Japan Austria
Toyota Finance Corporation (TFC) Toyota Financial Services Austria (TFSAT)
KINTO Corporation (KINTO)
Belgium
China Toyota Financial Services Belgium S.A / N.V (TFSBE)
China Netherlands
Toyota Motor Finance (China) Co., Ltd. (TMFCN) Toyota Motor Finance (Netherlands) B.V. (TMFNL)
Toyota Motor Leasing (China) Co., Ltd. (TMLCN)
Toyota Financial Services (China) Corporation (TFSCN)
As of July 2021
18All Rights Reserved, Copyright © Toyota Financial Services Corporation, 07/2021
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