Investor UpdateHY2021 Presentation

Toyota Yaris Cross range

Investor Relations Agenda

2020 Toyota RAV4 Hybrid Toyota RAV4 hybrid

3 | Disclaimer

6 | The Global Toyota Group

15 | Toyota in Australia

21 | Toyota Finance Australia

35 | Investment Highlights

Page | Topic

Toyota C-HR Koba

3

Disclaimer

The information in this presentation is an overview of certain information relating to Toyota Motor Corporation and its subsidiaries (including Toyota Finance a C

and is authorised, by TFA and TMCA. TFA is expressly not responsible for information in this presentation relating to TMCA.

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,

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

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 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 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 is intended for distribution only to financial institutions and professional investors only in circumstances where disclosure is not required under Part licable law. The information must not,

mation in this presentation is a summary only and is not complete. 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.

Disclaimer

4

No action has been made or will be taken that would permit a public offering of any securities described herein. This presentation and its contents are directed only ithin the meaning of Article 2(e)

ifiof Article 2(e) of the Prospectus Regulation as it forms part of United Kingdom domestic law by virtue of the European Union (Withdrawal) Act 2018 who are (i) persons who have professional experience in matters relating to investments falling within Article 19(5) of the Financial Services and Markets Act 2000

communicated, falling within Article 49(2)(a) to (d ) of the Order, or (iii) other persons to whom it may otherwise lawfully be communicated (all such persons in (a) through (b) are collectively referred to

Any person who acquires securities in any offer or to whom any offer of any securities is made will be deemed to have represented and agreed that it is a Relevant Person. By receiving or accessing this presentation you acknowledge that you will be solely responsible for your own assessment of the market and the market position of the Toyota Companies and that you will conduct your own analysis and be solely responsible for forming your own opinion of the potential future

(i) a professional client or eligible counterparty, each as or (ii) an eligible counterparty as defined in the FCA Handbook Conduct of Business Sourcebook or a

professional client as defined in Regulation (EU) No 600/2014 as it forms part of domestic law by virtue of the EUWA (such Persons in (i) or (ii) also being referred to

This presentation must not be acted or relied on by persons who are not Relevant Persons. Any investment or investment activity to which this presentation relates is available only to Relevant Persons and will be engaged in only with Relevant Persons.

This presentation is an advertisement and not a prospectus and investors should not subscribe for or purchase any securities of TFA issued under its Euro Medium Term Note Programme referred to in this presentation or otherwise, except on the basis of information in the Euro Medium Term Note Programme base prospectus of Toyota Motor Finance (Netherlands) B.V., Toyota Credit Canada Inc., Toyota Finance Australia Limited and Toyota Motor Credit Corporation dated 18 September 2020, as supplemented from time to time , together with the applicable final terms which are or will be, as applicable, available on the website of the London Stock Exchange plc at www.londonstockexchange.com/exchange/news/market-news/marketnews-home.html. Investors should read the Prospectus before making an investment decision in order to fully understand the potential risks and rewards associated with the decision to invest in Notes issued under the Euro Medium Term Note Programme. Approval of the Prospectus by the Central Bank of Ireland should not be understood as an endorsement of Notes issued under the Euro Medium Term Note Programme. Approval of any Prospectus supplements from time to time by the United KingdomAuthority should not be understood as an endorsement of Notes issued under the Euro Medium Term Note Programme.

Disclaimer

5

Neither this presentation nor any copy of it, nor the information contained herein, in whole or in part, may be taken or transmitted into, or distributed, directly or indirectly to the United States or to any U.S person (as defined under Regulation S under the U.S. Securities Act of 1933, as amto comply with this restriction may constitute a violation of U.S. securities laws. This presentation does not constitute, and should not be construed as, an offer to sell or the solicitation of an offer to buy securities in the United States as defined in Regulation S under the Securities Act or to any U.S. person. No securities of TFA have been, or will be, registered under the Securities Act or the securities laws of any state of the United States.

Matters discussed in this presentation may constitute forward-looking statements. Forward-looking statements are statements other than in respect of historical pressions identify forward-looking

statements. Forward-looking statements include statements regarding: objectives, goals, strategies, outlook and growth prospects; future plans, events or performance and potential for future growth; liquidity, capital resources and capital expenditures; economic outlook and industry trends; developments of the

orward-looking statements in this presentation are based upon various assumptions, many of which are based, in turn, upon further assumptions, including without l

rd parties. Although TFA believes that these assumptions were reasonable when made, these assumptions are inherently subject to significant known and unknown risks, uncertainties, contingencies and other important factors which are difficult or impossible to predict and are beyond its control. Such risks, uncertainties, contingencies and other important factors could cause the actual results, performance or achievements of the Toyota Companies or industry results to differ materially from those results expressed or implied in this presentation by such forward-looking statements.

The information, opinions and forward-looking statements contained in this presentation speak only as at the date of this presentation, and are subject to change without notice. The Toyota Companies and their agents, employees or advisers do not intend to, and expressly disclaim any duty, undertaking or obligation to, make or disseminate any supplement, amendment, update or revision to any of the information, opinions or forward-looking statements contained in this presentation to reflect any change in events, conditions or circumstances. By attending any presentation to which this document relates or by accessing this presentation you will be taken to have represented, warranted and undertaken that (a) you are a Relevant Person (as defined above), and (b) you have read and agree to comply with the contents of this notice.

This presentation includes references to credit ratings and, accordingly, this presentation should not be distributed to or accessed by any persons who are not able to receive such information in accordance with applicable law. In particular, credit ratings are for distribution only to a persmeaning of section 761G of the Corporations Act and is also a sophisticated investor, professional investor or other investor in respect of whom disclosure is not required under Parts 6D.2 or 7.9 of the Corporations Act. Credit ratings provided by third-party credit rating agencies may not reflect all risks of an investment in securities or other financial products and may be subject to revision or withdrawal at any time.

Disclaimer

Toyota Hybrid Electric Vehicles

The Global Toyota Group

7

Toyota Global Vision

I Toyota will lead the way to the future of mobility, enriching lives around the world with the safest and most responsible ways of moving people.

I Through our commitment to quality, constant innovation and respect for the planet, we aim to exceed expectation and be rewarded with a smile.

I We will meet challenging goals by engaging the talent and passion of people, who believe there is always a better way.

Toyota Motor Corporation Vision and group structure

Source: https://global.toyota/pages/global_toyota/ir/library/sec/20-F_202003_final.pdf https://global.toyota/en/company/profile/other-toyota-businesses/ TFAL investor update FY2020 pg 7

Toyota sells its vehicles in

approximately 200 countries and

regions.

Housing

Marine

Information Services &

Telematics

Biotechnology &

Afforestation

Consumer Financing

Dealer Support &

Financing

Banking

Ancillary Products &

Services

OTHER BUSINESSES

AUTOMOTIVEDesign, Manufacturing,

Distribution

8

Toyota Motor Corporation Toyota at a glance

Sources: https://global.toyota/pages/global_toyota/ir/financial-results/2021_2q_presentation_en.pdfhttps://global.toyota/pages/global_toyota/sustainability/report/sdb/sdb20_en.pdf TFAL investor relations presentation 2020, pg. 8Note: Numbers displayed may not add due to rounding.

Ι Operating for over 80 years and a global leader in mobility.

Ι Consolidated vehicle sales exceeded 8.9 million units in FY2020.

Ι Continued expansion in vehicle manufacturing capabilities.

Ι Global manufacturing presence and extensive sales network.

359,542 8,819,622 8,958,423

(Consolidated, as of

March 31, 2020)(Consolidated, FY2020) (Consolidated, FY2020)

Toyota Group Companies

25,691.9 27,234.5

28,403.1 27,597.1 29,379.5 30,225.6 29,929.9

11,375.2

0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

FY2014 FY2015 FY2016 FY2017 FY2018 FY2019 FY2020 HY2021

Bil

lio

ns

of

ye

n

Net revenues

9,116 8,972 8,681

8,971 8,964 8,977 8,958

3,086

-

2,000

4,000

6,000

8,000

10,000

FY2014 FY2015 FY2016 FY2017 FY2018 FY2019 FY2020 HY2021

Th

ou

san

ds

of

un

its

Consolidated Vehicle Sales

9

Toyota Motor Corporation Sustainability

Sources: https://global.toyota/pages/global_toyota/sustainability/report/er/er20_en.pdf Note: Numbers displayed may not add due to rounding.

Ι Toyota set six environmental challenges with the aim of going beyond zero environmental impact and hoping to achieve a net positive impact by 2050.

Ι 2 emissions by 90% by 2050, in comparison with 2010 levels, and achieved 40% in FY20.

Ι Globally Toyota has achieved sales target of 15 million electrified vehicles ahead of schedule in FY20 with cumulative sales of 15.01 million.

Ι Toyota has reduced water usage by 35% within TMC vehicle plants in FY20 compared to FY02 by reusing wastewater used in the painting processes.

Ι Since launching the first- generation Prius in 1997, Toyota has built its own recovery network to collect End of life HEV batteries for recycling and reuse. As at March 2020 a total of 171,000 End of life batteries had been collected.

Ι Since FY13 Toyota has collected and recycled 47 tons of magnets.

Global Sustainability

Net Revenues

Toyota Motor Corporation Financial Highlights

(1) Cash and cash equivalents, time deposits, marketable debt securities and its investment in monetary trust funds, excluding in each case those relating to financial servicesSources: TMC FY2019 Financial Results, TMC FY2020 Financial Results, TMC HY2021 Financial Resultshttps://global.toyota/pages/global_toyota/ir/financial-results/2019_4q_summary_en.pdfhttps://global.toyota/pages/global_toyota/ir/financial-results/2020_4q_summary_en.pdfhttps://global.toyota/pages/global_toyota/ir/financial-results/2021_2q_summary_en.pdfNote: Numbers displayed may not add due to rounding.

¥ in billions

Operating Income Net Income

Total Liquid Assets(1) Capital Expenditures R&D Expenditures

10

¥

30,225.6

¥

29,929.9

¥

11,375.2

FY2019 FY2020 HY2021

¥ 2,467.5 ¥ 2,442.8

¥ 519.9

FY2019 FY2020 HY2021

¥ 1,882.8 ¥ 2,076.1

¥ 629.3

FY2019 FY2020 HY2021

¥ 9,454.4

¥ 8,602.6

¥

10,238.7

FY2019 FY2020 HY2021

¥ 1,465.8 ¥ 1,372.3

¥ 585.6

FY2019 FY2020 HY2021

¥ 1,048.8 ¥ 1,110.3

¥ 567.6

FY2019 FY2020 HY2021

11

Toyota Financial Services

Europe/Africa Asia/Pacific Americas

▪ Germany▪ United Kingdom

(U.K.)▪ Finland▪ Italy▪ Norway▪ France▪ Sweden▪ Poland▪ South Africa▪ Ireland

▪ Czech Republic▪ Denmark▪ Hungary▪ Spain▪ Slovakia▪ Russia▪ Kazakhstan▪ Portugal▪ Netherlands▪ Austria

▪ Australia▪ New Zealand▪ Thailand▪ Malaysia▪ Philippines▪ Taiwan▪ China▪ Korea▪ Indonesia

▪ Vietnam▪ India▪ Singapore▪ Japan

▪ United States of America (U.S.A)▪ Puerto Rico▪ Canada▪ Brazil▪ Venezuela▪ Mexico▪ Argentina

Global presence

Source: https://www.tfsc.jp/overseas/

Toyota Financial Services Select entities

TMCToyota Motor Corporation

TFSCToyota Financial Services

Corporation

TFSICToyota Financial Services International Corporation

TMCCToyota Motor Credit

Corporation

TCCIToyota Credit Canada Inc.

TMFNLToyota Motor Finance

Netherlands B.V.

TFAToyota Finance Australia

Limited

Ι

Ι TMCC, TMFNL and TFA are named issuers under the A$10,000,000,000 Debt Issuance Programme.12

Toyota Financial Services Credit Support Agreements

Ι Securities* issued by TFA (and various other TFSC subsidiaries) have the benefit of a credit support agreement with TFSC.

Ι TFSC will continue to own 100% of TFA.

Ι TFSC will cause TFA to maintain a tangible net worth of at least A$150,000 as long as covered securities are outstanding.

Ι If TFA determines it will be unable to meet its payment obligations on any covered securities, TFSC will make sufficient funds available to TFA to ensure that all payment obligations are paid as due.

Ι Agreement cannot be terminated until (1) repayment of all outstanding covered securities or (2) each rating agency requested by Toyota to provide a rating has confirmed no change in rating of all such securities.

Ι TFSC in turn has the benefit of a credit support agreement with TMC.

Ι Same key features as TFSC/TFA credit support agreement.

Ι TMC will cause TFSC to maintain a tangible net worth of at least JPY 10 million as long as covered securities are outstanding.

not include asset- 13

Credit Support Agreement

Credit Support Agreement

TFA

TFSC

TMC

Source: TFAL investor relations presentation 2020, pg.13

14

Toyota Financial Services Credit ratings

Source: Bloomberg Credit Rating Profile as at 19 Mar 2021TFAL Investor update 2020, pg 14

Long Term Short Term Long Term Short Term

Toyota Motor Corporation

Toyota Finance Australia Limited

Outlook Stable Stable

A+

A+

A1

A1

A-1+

A-1+

P-1

P-1

152020 Toyota Hilux SR5

Toyota in Australia

16

Toyota in Australia Value chain

Ι Sales , marketing & distributionΙ Product planning & developmentΙ Guest experience centre

Ι Retail and wholesale finance & insuranceΙ Fleet managementΙ Guest experience

Toyota Dealer Network

Ι New and certified pre-owned vehicle salesΙ Servicing & repairsΙ Guest experience

ONE

TOYOTA

Source: TFAL investor update FY2020, pg 16

17

Ι Australian vehicle market has shown solid long-term performance, with total new vehicle sales for CY2020 at 916,968.

Ι CY2020 had the toughest economic conditions experienced since the Global Financial Crisis, Toyota is well positioned and maintains the largest market share.

Toyota Motor Corporation Australia Australian market trend

Source: Actual data based on VFACTS Industry Reports to December 2020, published by Federal Chamber of Automotive Industries.Note: Numbers displayed may not add due to rounding.

55

9K

57

7K

56

6K

53

1K

516

K

48

6K

45

0K

37

8K

316

K

22

2K

44

9K

53

5K

57

0K

58

2K

64

0K

69

2K

73

9K

77

5K

74

7K

69

5K

1,008K

1,112K 1,136K 1,113K1,155K 1,178K 1,189K 1,153K

1,063K

917K

-

200,000

400,000

600,000

800,000

1,000,000

1,200,000

1,400,000

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020

Ne

w V

eh

icle

Sa

les

(u

nit

s)

Passenger Commercial

18

Toyota Motor Corporation Australia Toyota’s market leadership

Toyota includes Toyota and Lexus marquesSource: VFACTS Industry Reports to December 2020 published by Federal Chamber of Automotive Industries, and Toyota Australia press release. https://www.pressroom.com.au/press_release_detail.asp?clientID=2&prID=45710&navSectionID=2Note: Numbers displayed may not add due to rounding.

Ι Toyota remains the market leader in an industry demonstrating long term growth.

Ι

brand and the 16th year of vehicle sales above 200,000.

Ι

since 2008.

188 2

25

22

2

211

215 219 22

5

22

6

215

214

88 10

4

103

101

114

118

116

111

98

86

87 92 97

100

102

102

97

94

86

65

126

115

112

106

103

94

90

61

43

17 91

90

87

80

70 8

1

78

69

63

60

23.3%

0%

5%

10%

15%

20%

25%

-

50

100

150

200

250

300

350

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020

Ma

rke

t S

ha

re

Un

its

So

ld (

'00

0)

Australian Vehicle Sales

Toyota* Mazda Hyundai Holden Ford Toyota* Market Share

23.3%

9.3%

7.1%

6.5%6.4%4.3%

4.2%

6.1%

3.4%

3.2%

4.1%

22.2%

Market Share 2020

Toyota (23.3%)

Mazda (9.3%)

Hyundai (7.1%)

Ford (6.5%)

Mitsubishi (6.4%)

Volkswagen (4.3%)

Nissan (4.2%)

Kia (6.1%)

Subaru (3.4%)

Honda (3.2%)

Mercedes-Benz (4.1%)

Other (22.2%)

Ι In 2020 Toyota Australia continues its transformation from an automotive company into a mobility company.

Ι Delving into areas such as alternative fuels or drivetrains, carshare services, autonomous driving trials and connected vehicles, to ultimately contribute to a zero-carbon society.

Ι To achieve this future direction, Toyota are currently focused on the following activities:

Ι Influence of product design and development to suit the Australian market.

Ι Sourcing of fun-to-drive and innovative vehicles with environmentally focused drivetrains.

Ι Study of new innovative usership (carshare / rideshare) and ownership solutions.

Ι Centre of Excellence at the former manufacturing plant in Altona, Victoria.

Ι Toyota Community Trust (TCT) distribution of funds to not-for-profit organisations encouraging young Australians to pursue further studies within Science, Technology, Engineering and Mathematics (STEM).

19

Toyota Motor Corporation Australia Overview

Source: Toyota Sustainability Report and U.S. RepTrak (formerly known as Reputation Institute)Note: Numbers displayed may not add due to rounding.

Ι Hybrid vehicles

Ι Electric vehicles

Ι Petrol and diesel vehicles

Ι Automated vehicles

Ι Cooperative intelligent transport

systems

Ι Fuel cell vehicles

Toyota Australia

Product Innovation

Toyota Australia Future Direction

34

1

4

12

42

43

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020

Toyota ranks in the top 5 most reputable companies in Australia for the last ten years

Toyota Motor Corporation Australia Sustainability

Cumulative hybrid sales in

Australia

176,289

Total as at 31 Dec 2020

Source: Sustainability Report 2020, VFACTS Industry Reports published by Federal Chamber of Automotive Industries & Toyota Australia press release https://www.toyota.com.au/sustainability; https://www.pressroom.com.au/press_release_detail.asp?clientID=2&prID=45710&navSectionID= 20

Local Sustainability

Ι TMCA hit a record of 54,335 Toyota hybrids sales in 2020,

now make up more than 5% of the annual national market.

Ι Around CY2025, every model in the Toyota and Lexus line-up around the world will be available as either a dedicated electrified model or have an electrified option. TMCA are committed to bring a suite of electrified vehicles to complement its existing hybrid range.

Ι The first stage of the stage of the Hydrogen Centre at the Altona site, an education facility, was completed in March 2020

Ι The next stage is the refuelling station and hydrogen generation which is currently undergoing installation and commissioning with the goal to be operational in April 2021/May2021.

Ι The Next Generation Toyota Mirai, powered exclusively by hydrogen, has been confirmed for Australia and will be released in early 2021.

Ι Lexus Australia will advance its leadership in electrification with the first all-electric Lexus, the luxury compact UX 300e, due to be released in November 2021.

Camry

71021

Rav4

33811

Corolla

32238

Prius

20249

Prius C

9757

Prius V

5131

C-HR

2965

Yaris

1117

21

Toyota Finance Australia Business overview

Retail Finance

Consumer Loans

Commercial Finance

Guaranteed Future

Value

Fleet Management

Asset Finance

Fleet Management

Vehicle Maintenance

Novated Leasing

Salary Packaging

Ι Established in 1982, TFA is a leading provider of automotive finance and insurance in Australia.

Ι TFA is a captive financier with strong market share that continues to drive revenue and support vehicle sales.

Ι Increase in Total Assets year on year to over A$23.8b.(1)

Ι Pre-tax income averaging A$177m over the past 5 years.(2)

Ι On January 21st, 2019 it was announced that Australian Alliance Automotive Finance Pty Limited, a wholly owned subsidiary of TFA, has entered into a strategic alliance with Mazda Australia Pty Limited to provide financial services to Mazda dealers and customers.

Ι Mazda Finance continues to perform well with progressive on boarding of dealers.

Dealer Finance

Wholesale

Real Estate

Working Capital

Revolving Credit Lines

Insurance

Comprehensive

Extended Warranty

Finance Protection

Finance Gap

Roadside Assistance

(1) Total Assets as per TFA Interim Financial Statements for the Half Year ended 30 September 2020(2) Profit before income tax for the five year period from FY16 through FY20; A$227m +A$154m + A$209m + A$204+A$89m = $884m

Products and Services Business Highlights

Source: TFA Half Year report 2021, https://www.toyota.com.au/insurance/car-insuranceNote: Numbers displayed may not add due to rounding.

22

Toyota Finance Australia Toyota network in Australia

Ι 227 Dealers PMAs (203 Toyota and 24 Lexus).

Ι 338 Physical Dealership sites.

Ι TMCA HQ, Regional Offices and Toyota WA.

Ι 5 Regional Offices.

Ι 99% of the Toyota network.

Ι 100% of the Lexus network.

Ι 100% of the Hino network.

Sales Network

Toyota Finance Australia Coverage

| Toyota, your essential partner throughout Australia |

Source: https://www.toyota.com.au/the-companyAll figures as at February 2021

23

Toyota Finance Australia Asset composition

Retail segment is comprised of loans and leases to personal and commercial customers including wholesale finance consisting of loans and bailment facilities to motor vehicle dealerships.Fleet segment is comprised of loans and leases to small business and fleet customers consisting of medium to large commercial clients and government bodies.Source: TFA Annual Financial Reports, 2016, 2017, 2018, 2019, 2020, Interim Financial Statement 2021Note: Numbers displayed may not add due to rounding.

11.5112.61

14.0615.30 16.02

14.90

2.342.42

2.71

3.193.58

3.48

1.771.77

1.75

1.87

3.63 5.47

15.62 16.81

18.51

20.36

23.24 23.85

2016 2017 2018 2019 2020 HY 2021

Segment Assets in AUD billions(Net of Provisions)

Retail Fleet Unallocated

24

Toyota Finance Australia Retail segment

Overview

Ι

experience.

Ι Leading finance provider for both Toyota and Non-Toyota(2)

vehicles and Franchises.

Ι Long standing partnership with the Australian Dealer Network.

Ι Focused on Guest experience and retention.

Products and Services

Consumer

Ι Fixed rate consumer loan

Ι Toyota Access (GFV/Used GFV)

Ι Novated lease(1)

Commercial

Ι Fixed rate loan

Ι Toyota Access (GFV/Used GFV)

Ι Lease products(1)

Insurance

Ι Motor vehicle insurance

Ι Extended warranty

Ι Finance protection

Ι Finance gap

Ι Roadside assistance

Wholesale

Ι Real estate capital loans

Ι Bailment facilities and insurance

Ι Charge plan facilities

Ι Working capital

(1) Lease products (Novated Lease, Finance Lease) are administered through Toyota Fleet Management

(2) -

Toyota Franchises in 2008 and 2019 respectively

Toyota Access

Source: TFAL investor relations presentation 2020

25

Toyota Finance Australia Fleet segment

Overview

Ι Largest Fleet Management business of the Toyota Group.

Ι -to-end fleet solution through One Toyota.

Ι Variety of distribution channels.

Ι Ongoing development of innovative mobility services.

Ι Diversified fleet customer portfolio across various industries.

Ι One of the top 2 largest fleet management companies in Australia.

Products and Services

Source: https://www.toyotafleetmanagement.com.au/

26

Mazda Finance Mazda network in Australia

Ι 101 Mazda Dealerships on boarded to date.

Ι Total National Mazda Dealership 141.

Sales Network

AAAF Overview

Seamless and personalised end to end car financing

products and services.

Backed by the strength of Toyota Finance Australia

strategic alliance partners to not only provide the best experience for their customers, but also to safeguard their dealer networks against the risk of financial market downturns.

Power Alliance Finance (PAF)

Launched on October 21st, 2019 PAF is the new generic brand that sits under AAAF to support Mazda Dealers who have multi franchises.

Financial highlights

Sources: TFA Annual Financial Reports 2019, 2020 and TFA Interim Financial Statement 2021Note: Numbers displayed may not add due to rounding.

AUD millions

Financing & Similar Revenue Net Financing Revenue Net Profit after Tax

Cash and Cash Equivalents Total Assets Total Impairment Loss

Toyota Finance Australia

27

1,197 1,201

605

FY2019 FY2020 HY2021

426

527

167

FY2019 FY2020 HY2021

144

64

36

FY2019 FY2020 HY2021

1,417

1,938

3,379

FY2019 FY2020 HY2021

20,362

23,237

23,845

FY2019 FY2020 HY2021

61

224

22

FY2019 FY2020 HY2021

Financial highlights

28

Toyota Finance Australia Asset quality

Ι Credit and non-credit impairment losses average A$79m over the past 5 years.

Ι Provision for impairment established on objective evidence.

Ι Credit Risk Committee is responsible for risk assessment, ongoing management, collection, enforcement and write-off monies lent by the company.

Arrears measured as amount past due exposure on loans and receivables which includes unimpaired and impaired amounts. Values displayed are in AUD millions and are as at March 31 for each respective financial year.Source: TFA Annual Financial Reports 2014, 2015, 2016, 2017, 2018, 2019 and 2020, Interim Financial Statement 2021Note: Numbers displayed may not add due to rounding.

87M58M

40M14M

61M

224M

22M

204M 194M 190M168M 164M

326M 326M

0M

100M

200M

300M

400M

2015 2016 2017 2018 2019 2020 HY 2021

Asset PerformanceTotal impairment loss Provision for impairment

3442 46 45 43 45

37

11

215 4 2 2

2

45M

63M

51M 49M45M 47M

39M

0M

20M

40M

60M

80M

100M

2014 2015 2016 2017 2018 2019 2020

Arrears (61-90 days past due exposure)

Retail Fleet

46

7560 64

4860 61

12

12

11 4

7

3 458M

87M

71M 67M

55M63M 65M

0M

20M

40M

60M

80M

100M

2014 2015 2016 2017 2018 2019 2020

Arrears (over 90 days past due exposure)Retail Fleet

29

Toyota Finance Australia Credit decisioning & collections

Ι TFA has been a leader in automotive industry application scorecards since 2001.

Ι Use of scorecards ensure consistent underwriting produced in the Retail portfolio.

Ι Fleet and Dealer applications assessed by Underwriters with industry expertise.

Ι Automation of Collections Activities improves efficiency as well as reinforces compliance with guidelines and regulations.

Ι Continuous optimisation strategies that enable loss mitigation include a risk based collection segmentation model and Champion/Challenger testing.

New Customers

AML/CTF/PEPS/Sanctions

Fraudcheck

Application Score

Behaviour Score

Existing Customers

Fraud Score

Credit Decision

Application Requesting Finance

Comprehensive Bureau Tools

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Toyota Finance Australia COVID-19 response

I Employee health and safety remain our top priority.

I TFA team members transitioned to remote work arrangements.

I Working closely with dealers to support sales.

I Temporary dealer floorplan interest deferrals.

I Principal payment deferrals for real estate and working capital loans.

I Finance contract extensions, lease deferred payments, and fee waivers for existing customers.

I Special financing programs and initial payment deferrals for new customers.

Employees Dealers Fleet

Toyota Finance Australia Funding overview

Source(1): TFA Annual financial report year ending 31 March 2020 Source(2): BloombergNote: Numbers displayed may not add due to rounding.

Overview (1) (2)

Ι Issuing into domestic and international capital markets.

Ι Diverse currency mix including: AUD, USD, EUR, GBP, NZD.

Ι Range of tenors to match assets (1 month to 5+ years).

Ι Established presence in Uridashi markets.

Ι Access to Private Securitisation programmes.

FY 2020 Total Debt by product in A$m (1)

Frequent Issuer - Capital Markets Issuances (2)

2018

A$275m3yr DMTN

Nov-18

A$300m5yr DMTN

Nov-18

HK$340m3yr EMTN

Dec-18

A$/NZ$/US$4yr Uridashi

Mar-19

A$22m5yr DMTN

Dec-18

OngoingCP

issuance

A$/NZ$/US$4yr Uridashi

Jan-19

EUR$650m2yr EMTN

Apr-19

EUR$500m5yr EMTN

Apr-19

Ongoing ABS

issuance

31

A$/NZ$/US$4.5yr Uridashi

Oct-19

748

3,827

2,068

9,847

1,566

1,918

738

Bank Loans & Other

Securitisation

Euro medium term note

US commercial paper

Euro commercial paper

EUR$500m7.5yr EMTN

Apr-20

EUR$750m2yr EMTN

Apr-20

EUR$500m4.5yr EMTN

Apr-20

A$/US$4.5yr Uridashi

Aug-20

A$400m3yr DMTN

Feb-20

32

Toyota Finance Australia Liquidity

Source: TFA Annual Financial Report 2020(1) Amount not utilised as at March 31, 2020(2) Cash and cash equivalents as at September 30, 2020Note: Numbers displayed may not add due to rounding.

Master Credit Facility (US$15 billion)

Ι Access to US$5 billion 364 day syndicated bank credit facility.Ι Access to US$5 billion 3 year syndicated bank credit facility.Ι Access to US$5 billion 5 year syndicated bank credit facility.

Commercial Paper

Ι A-1+ / P-1 rated domestic, euro and US commercial paper programmes.

Money Market Facilities

Ι A$1.24 billion in uncommitted and committed money market facilities.(1)

Cash and Cash Equivalents

Ι A$3.4 billion in short-term liquidity and investments.(2)

Debt Capital Markets & Intercompany Lending

Ι Access to various domestic and international capital marketsΙ Credit Support Agreements from TMC- TFSC- TFA

| Resilient

| Strong

| Stable

Securitisation

Ι A$2.0 billion of available liquidity from private securitisation programmes.(1)

32

Toyota Finance Australia Funding strategy

Source: TFA Interim Financial Statements for the Half Year ended 30 September 202033

Diverse, cost effective and sustainable funding

P-1 | A-1+ .

Commercial Paper ProgrammesEuro, Australian Dollar and USD

Global Issuer

Euro and Australian DollarMedium Term Note Programmes

Private ABS

Readily SalableRetail Receivables

Private Placements

Receptive and responsive to reverse enquiry

USDNZD HKD

EURGBP AUD

Multi-currency Issuance Capacity

Intercompany Lending InfrastructureCommitted and Uncommitted Bank Credit

Facilities

Investor focused

Long-Term Approach Best-in-Class Execution

Responsive Transparent

34

Funding strengths

Ι Diverse, sustainable and cost-effective funding programme.

Ι Issuing into strong demand with attractive deals.

Ι Demonstrated capacity to securitise assets.

Ι Diversification across markets and currencies.

Ι Identifying & developing new markets and investor relationships.

Ι Responding quickly to opportunities with best-in-class execution.

Ι Strategic coordination amongst TFS Group Issuers.

Ι Long-term approach to maintaining strong business and stakeholder relationships.

Ι Exceptional liquidity supported by strong balance sheet.

Ι Access to US$15b syndicated bank credit facility.

Ι Access to additional bilateral committed and money market facilities.

| Diverse

| Sustainable

| Relationships

Toyota Finance Australia

35

Toyota Finance Australia Investment highlights

Strength of One Toyota

Ι Established business model and consistent market leader.

Ι Strategic coordination on a local and global scale.

Ι Continued financial strength and strong operating performance.

Ι Ongoing investment in technology, facilities and risk management.

Ι Part of a world class company and a global leader.

Ι

Our stakeholder management

Ι Focused on guest retention and customer satisfaction.

Ι Engaged workforce and experienced leadership team.

Ι Sustainable approach to our stakeholder relations be it our business partners, our communities or our investors.

ContactEmail: Investorrelations@Toyota.com.auWebsite: www.toyota.com.au/finance

ContactEmail: Investorrelations@Toyota.com.auWebsite: www.toyota.com.au/corporate/investors

ContactContactEmail: Investorrelations@Toyota.com.au

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