Investor Presentaiton
TOYOTA
FINANCIAL SERVICES
GT
GT CAPITAL
HOLDINGS INCORPORATED
Delinquency and NPL
Delinquency Ratios (>31 days)
Updates on Toyota Financial Services
Penetration Rate
40% Toyota
Auto Lending Rates
80% 20%
All values in percent (%)
BPI 10.93
BDO 10.93
11
4.50
pay in cash
2.91%
Market
Share
TFS 10.25
of Toyota car
buyers choose
10
0-4:00 4.00
4.00
financing
3.75
9.17
9
2.45%
3.51%
1H 2019
ΤΟΥΟΤΑ
FINANCIAL SERVICES
60%
22%
20% Other
Metrobank 20%
You're in good hands
PSBank
banks
1H 2020
8
ΟΙ ΤΟΥΟΤΑ
FINANCIAL SERVICES
7
31% 67%
•Banks tightened credit standards, while
TFS maintained its usual practices
Other
6
banks
•TFS is present in all Toyota dealers in PH
3.50
Mar-20
3.25
Jun-20
TFSPH
Jul-20
MBT 8.14
3.00
O-2.75 Q 2.75
NPL Ratios (>91 days)
4.53%
2.50
4.03%
4.07%
BSP Rate 2.25
2.00
1.36%
1.42%
12/12/19
MBT
1/12/20
2/12/20
3/12/20
4/12/20
5/12/20
TFS
6/12/20
BPI
BDO
BSP Rate
•Despite recent BSP rate cuts, TFSPH did not
cut interest rates on its products
•TFS maintained its rate at 10.25% for a 60-
month (5-year) lease-to-own package
1.32%
1H 2019
FY 2019
Industry
1H 2020
TFSPH
⚫TFSPH has consistently outperformed the
industry in asset quality (see NPL Ratio)
Elevated Delinquency Ratios were expected
due to economic situation
47View entire presentation