Toyota Capital Malaysia Sdn Bhd11547-M

AITAB

TOYOTA

2-TIER PLA

N

TOYO

TA F

LEXI

PLA

NHIRE PURCHASE

WHOLESALE FINANCINGCORPORATE LEASE

LEXUS ACCESS TOYOTA DRIVE

Meeting All Your Auto-Financing Needs

INDUSTRIAL HIRE PURCHASE

VISIONTo become the Most Admired Auto-Financier through

service excellence and product innovation in the region.

MISSIONT - Teamwork

C - Customer First

A - Adaptable To Market

P - Progressive Management Philosophy

M - Meeting Stakeholders’ Expectations

Toyota Financial Service Global Values

Sustainable

- Gemba

(Focus on the connecting point of our customer by learning at the gemba)

- Reborn

(To ensure that TFS is ready to meet these changes, we must try to be reborn everyday)

- One Team

(To work together as one team)

- WOW!

(To ensure TFS is always there to deliver smiles to customers, and continuously exceed their expectations, make them say WOW!)

- Think

(Thinking deeply is very important, but to avoid thinking too much to cause no action/speed of our progress)

GROWTH

Toyota Capital Malaysia was proudly established in November 2001 as a strategic joint venture between Toyota Financial Services Corporation and UMW Corporation. Since then we have always been guided by our corporate vision of becoming the Most Admired Auto-Financier through service excellence and product innovation in the region.

At Toyota Capital Malaysia, we aim to add value to our customers, dealers, and distributors. Our mission is to progressively deliver top-notch services and product innovation that focus on Customer First.

In the past 14 years, we have registereda significant growth in assets. The company has recently launched a 5-year Mid Term Business Plan (MTBP) FY2021 with focus on achieving Sustainable Growth via “Real Competitiveness”, and building long term value to its customers, business partners and shareholders.

We will continue our efforts to fulfil our roles as a captive financier and contribute towards sustainable growth of Toyota in the region.

In line with our growth strategy, we shall continue to promote the uniqueness of our auto-financing products; affordable Toyota 2-Tier Plan, interest savings with Toyota FlexiPlan, Islamic leasing with Toyota Drive that contribute to the joyful experience of Toyota car ownership.

I want to say a big thank you to you, our clients and business partners for your support and let us move forward together.

Mr. Kuah Kock Heng

PresidentToyota Capital Malaysia

MessageFrom The President

2

At Toyota Capital Malaysia, we aim to add value

to our customers, dealers, and distributors. ”

“

TOYOTA CAPITAL MALAYSIA Sdn. Bhd. is a subsidiary of Toyota Financial Services Corporation (TFSC), which specialises in vehicle finance for Toyota Motor Corporation (TMC) around the world, with a global presence covering 35 countries and regions worldwide with managed assets totalling US$183.7 billions as of March 31, 2015.

TFSC was established in July 2000 as a holding company for TMC’s financial subsidiaries offering financial products and services to support the sale of vehicles. TFSC focus on offering comprehensive financial services catering to the diverse needs of customers. To date, TFSC has expanded to 35 countries and regions including Americas, Europe, Africa, Asia-Pacific, China and Japan. Wherever it operates, TFSC has remained steadfastly committed to supporting Toyota distributor partners, dealers and customers in producing memorable customer events and top-notch service quality.

TFSC believes in going the extra mile to deliver excellence in customer service, ethical standards and product quality. Our philosophy is simple: Strong win-win relationships bring complete customer satisfaction thereby creating "Customers for Life".

The TFS Way: • Challenge • Speed • Unity of Purpose

About Toyota Financial Services Corporation

As we continue our quest to deliver the unique array of auto financing products and services to enrich Toyota customers’ experience and joy in car ownership, I would like to extend my appreciation to all our stakeholders for the continuous support.

We remain committed as part of Team TOYOTA Strategic Partner in line with our aim to pursue our sustainable growth, a business strategy aligned with Toyota Global Vision. Sustainable Growth is TOYOTA’s attempt to keep delivering always better cars and enriching the lives of our communities under any circumstances.

As part of Toyota Financial Services with a global network across 35 countries, we shall leverage on the global talented resources and knowledge management, engaging the Best Practice sharing for better products and services, adding more value to meet the needs of the local communities.

With the spirit of Kaizen, we endeavour to continuously improve our business operation processes for optimum operational efficiencies so that we can deliver better and faster services to all our customers, dealers and business partners alike.

At Toyota Capital Malaysia we stand by our commitment as One Team, dedicated to provide accessible financing products to support customers on their Toyota purchases. We shall work closely and enhance collaboration efforts with our local strategic partner, UMW Toyota and extend our sales support to Toyota dealers, as we continuously contribute to sustainable growth of Global Toyota.

Mr. Atsushi Hayashi

Director & Executive CoordinatorToyota Capital Malaysia

Message From The Director & Executive Coordinator

3

2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015

Customer Number ofTFS Group

(Millions)

Total Assets(Billions USD)

17.4

8.5

8.9

19.5

8.6

10.9

20.9

9.1

11.8

22.5

9.8

12.7

23.9

10.4

13.5

Sales Finance

Credit card

TFS (Consolidated)

TMC (Consolidated)

450

400

350

300

250

200

150

100

50

0

25

20

15

10

5

0

TFS (Consolidated)Operating Income

(Billions USD)

4.1

3.53.4

157.0

358.6

156.6

372.9

168.1

377.3

180.7

402.6

183.7

397.2

2.7

3.1

5.0

4.0

3.0

2.0

1.0

0

TFS Financial And Operational Performance

Fiscal year ending March 31

4

Toyota Financial Services Global Presence

The Toyota Way is the guiding light for the people of the global Toyota organization and expresses our commitment to customers, shareholders, associates, business partners and the global community. It is the spirit of continually challenging ourselves to improve and exceed expectations. Our entire team is dedicated to keep discovering and implementing innovative creations and the next break-through solution.

We do this through our appl ication of the Japanese philosophy of Continuous Improvement - Kaizen.

• Kaizen Mind and Innovative thinking• Building Lean Systems and Structure• Promoting Organizational Learning

5

Respect for PeopleContinuous ImprovementChallengeWe form a long-term vision, meeting challenges with courage and creativity to realize our dreams.

KaizenWe improve our business operations continuously, always driving for innovation and evolution.

GenchiGenbutsuWe practice Genchi Genbutsu which involves going to the source to find the facts and make correct decisions, build consensus and achieve goals in time.

RespectWe respect others, make every effort to understand each other, take responsibility and do our best to build mutual trust.

TeamworkWe stimulate personal and professional growth, share the opportunities of development and maximize individual and team performance.

6

Toyota Capital Malaysia (TCAPM) is a joint venture between Toyota Financial Services Corporation (TFSC) and UMW Corporation. Our core business model is to provide automotive financial services for Toyota and Lexus customers. In recent years, we started to grow our auto-financing business to support the sales of national car brand, Perodua and also commercial vehicles such as Hino and Daihatsu.

The company was established in 1971 as part of the expansion plan of UMW, our local joint venture partner to finance its equipment operations. It changed its name to UMW Toyota Capital Sdn Bhd in November 2001 after TFSC acquired shares in the company.

The name Toyota Capital Malaysia was eventually adopted on 18 August 2008 as part of TFSC's al ignment of its Malaysia operations with the naming convention used

globally in all countries where TFSC operates. UMW Corporation retains its 30% equity stake in TCAPM.

TCAPM is the leader in Islamic Financing in the TFS Group. Through product innovation, we continue to contribute towards the growth of TFS globally.

In September 2013, the company launched an iPad-based Loan Application, TCAPMobile. Another milestone for TCAPM being the first innovator in auto-financing market to implement such integrated Loan Origination System which can be downloaded from Apple Store.

The Management Team

AboutToyota Capital Malaysia

1 Mr. Thomas Chai Kok Leong Group Vice President

2 Ms. Chu Boon Lui Senior General Manager Accounts & Treasury

3 Ms. Jenny Yap Senior Manager Human Resource

4 Ms. Cheryl Cheong Senior Manager Sales Strategy & Wholesale Management

5 Mr. Rouven Patrick Tan Jr Senior Manager Credit & Regional Management

6 Ms. Lim Sook Kee Senior Manager Information Technology

7 Mr. Alex Chang Senior Manager Asset Management & Customer Service

8 Ms. Tan Ah Kwee Senior Manager Credit Risk

9 Mr. Kamal Baharin Regional Manager Central & East Coast

12

4

56

78

9

3

100% 100% 100%

30% 70%

UMW Holdings Berhad Toyota MotorCorporation

100% 100%

UMW Corporation Toyota FinancialServices Corporation

Toyota Capital Malaysia

Toyota Capital Acceptance Malaysia

Toyota LeaseMalaysiaSeabanc Kredit

Group Of Companies

Our Head Office, Branches And Support Outlets

Toyota Capital Malaysia’s head office is located in Petaling Jaya, Selangor with a network of branches in almost all regions in Malaysia. In line with our business operations strategy, we have established many support outlets located at Toyota showrooms in almost every state, providing resources and dedicated Auto-Finance Executives to attend to our customers’ financing needs.

Our helpful Auto-Finance Executives are ever ready to assist customers in choosing the best automotive financing solution that meets their needs. We also have representatives ready to attend to customers at dealerships at Perodua. Our five main regional offices are as follows:

7

Miri

Bintulu

Sibu

Kuching

Kota Kinabalu

Tawau

Sandakan

Head Office/Branch

Branches

Support Outlets

Section 19, PJ

Johor Bahru

Petaling Jaya

Klang

Melaka

Seremban

Batu Pahat

Sitiawan

Ipoh

Taiping

Cheras

Ampang Point

Kota Bharu

KualaTerengganu

Alor Setar

Penang Prai

Temerloh

Kuantan

SubangJaya

CENTRAL & EAST COAST REGION:Petaling JayaLevel 20, Plaza IBM, First Avenue, Bandar Utama, 47800 Petaling Jaya, Selangor. Tel : 6-03-7962 6000 Fax : 6-03-7962 6076

NORTHERN REGION:Prai No. 1, Ground Floor, Jalan Todak 5, Pusat Bandar Seberang Jaya, 13700 Seberang Jaya, Prai,Pulau Pinang. Tel : 6-04-3978 721/22/23 Fax : 6-04-3978 724

SOUTHERN REGION:Johor Bahru Unit 18.02, 18th Floor, Menara Zurich, 15 Jalan Dato’ Abdullah Tahir, 80300 Johor Bahru, Johor. Tel : 6-07-335 5578/79 Fax : 6-07-335 5576

SABAH REGION:Kota Kinabalu Ground Floor, Bangunan UMW, Batu 5 1/2, Tuaran Road, Inanam, 88450 Kota Kinabalu, Sabah.Tel : 6-088-381 212 Fax : 6-088-384 418

2016 onwards:Unit No. R-5-01, Fifth Level,Riverson Corporate Suites, Block B, Lorong Riverson@Sembulan, 88100 Kota Kinabalu, Sabah.

SARAWAK REGION:Kuching Suite G07, Ground Floor, Crown Towers, 88, Jalan Pending, 93450 Kuching, Sarawak.Tel : 6-082-337 777 Fax : 6-082-332 000

8

Our Service Delivery throughTechnology & Process Innovation

TCAPMobile is an iPad Application that streamlines loan origination process to efficiently deliver auto-financing services for customers to start enjoying Toyota ownership immediately.

It is a significant process innovation that provides "Real Competitiveness" to Toyota Capital Malaysia in its mission to deliver service excellence to its customers, dealers and business partners alike.

TCAPMobile is an innovative tool that provides the support to sales team to enable wider network coverage and touch points in remote areas:

• Available for download at Apple Store

• Performs easy loan calculations

• Provides paperless loan applications

• Makes document handling simple

• Greatly enhances the speed of credit decisions

• Access 24/7 everywhere

• Loan status in real-time

• Faster payment to dealers

Hire Purchase

Toyota Capital Malaysia’s hire-purchase plans give hirers the option of making fixed payments for the use of a vehicle over a set number of years. Our plans are offered at competitive rates for Toyota, Lexus and Perodua customers.

Toyota FlexiPlanThis is a first in Malaysia for Toyota Capital. Toyota FlexiPlan, a variable rate auto-financing pegged against Base Lending Rate(BLR) was launched in December 2005.

Toyota FlexiPlan allows hirers to have the flexibility in controlling its monthly prepayments to reduce the principal loan amount at any time. This enables interest savings as interest is computed on a monthly rest based on the Reducing Balance method.

Customers also enjoy the flexibility of adjusting their monthly payment or tenure when the BLR changes, not to mention the option to switch from variable rate to fixed rate at any time at no additional cost.

Toyota 2-Tier PlanToyota Capital Malaysia believes in constant innovation in developing unique products to cater to the needs of customers. We believe that product creativity and customer-centricity is critical towards finding new avenues to support auto sales.

Launched in October 2009, Toyota 2-Tier Plan is a first-of-its-kind program designed with affordability and lower loan repayment to cater for entry level young executives to start on a Toyota car ownership program.

This hire purchase plan offers a great option for customers who prefer affordable monthly repayments so they can begin owning a Toyota immediately.

AL-IJARAH THUMMA AL-BAY (AITAB)

This Islamic automotive financing product was conceptualised in consultation with our Shariah Advisor to provide a ‘riba’-free plan in compliance with Shariah principles. Launched in June 2005, AITAB has been well received by our Muslim car owners and is in line with our philosophy of offering relevant products to meet customer needs.

9

Our Products

Toyota DriveWith the launch in August 2007, Toyota Drive is the first Islamic lease product in Malaysia.

It is an innovative consumer lease option that has been implemented with great success in Australia, USA and Canada and now Malaysians can enjoy it as well through Toyota Capital.

This unique program gives unprecedented benefits to Toyota customers, such as zero down payment, guaranteed Lease End Value (LEV), with the freedom of ownership at the end of the lease either to purchase at the predetermined LEV or renew the lease to drive a new Toyota every 3 to 5 years, the Guaranteed Auto Protection (GAP) in the event of total loss due to theft or accident, lower monthly rentals and our renewal services of Takaful/ insurance policy and road tax. Toyota Drive by all accounts gives a superior alternative to conventional hire-purchase plans and represents another milestone in product innovation for the sake of customer satisfaction and convenience.

Lexus Access Launched in June 2010, Lexus Access program is a joint collaboration effort of Toyota Capital Malaysia with Lexus Malaysia to support Lexus sales and promote an early start to luxury car ownershipeffortlessly through a consumer lease.

Lexus Access offers the same attractive benefits as Toyota Drive to Lexus customers, including zero down payment, guaranteed LEV, GAP and other benefits, giving our customers another easy alternative to choose Lexus.

Lexus Access therefore stamps Toyota Capital Malaysia’s commitment to offer an easy andconvenient alternative to our customers to drive away a Lexus.

Both our Lexus Access and Toyota Drive programs have been developed in consultation with our Shariah Advisor to ensure financing options are in line with Islamic principles and practices.

Our Products

10

Wholesale Financing

Our wholesale financing programs help facilitate Toyota dealers’ requirements in terms of cash-flows, inventory and credit lines to ensure they can always maintain customer satisfaction.

We offer wholesale financing to our Toyota dealers as we understand their needs for sufficient working capital to finance their inventory purchases, especially during high demand periods. Our facility helps ease their cash flow as we provide financing in the form of a credit line that gives dealers access to funds to keep inventory at a level ready to meet their customers’ needs.

Industrial Hire PurchaseToyota Capital Malaysia offers industrial hire purchase plans for business owners who are interested to purchase commercial vehicles such as Hino and Daihatsu.

Our Products

11

Corporate Lease

Through a joint collaboration with Toyota, we offer our clients – small businesses or large corporations – effective vehicle financing and leasing customized to suit their needs. Not only will our Operating Lease plan finance the cost of the vehicles, it also covers their everyday running and maintenance costs. Furthermore, it comes with a host of services, including periodic and preventive maintenance, insurance management, vehicle acquisition and disposal, as well as Vehicle Maintenance reporting.

Our Operating Lease is a hassle-free approach which helps our clients reduce the lifetime vehicle running costs, improve cash flow planning and eliminate administrative tasks.

Our dedicated Corporate Sales team also works closely with the Toyota Fleet Sales and Toyota dealers to extend Corporate Lease program. Our clients can acquire a fleet of Toyota vehicles by merely paying a long-term and fixed price rental. No capital outlay is required thus enabling their business to run smoothly without having to incur large costs at regular intervals and freeing up their finances for other business purposes. Operating Lease is transacted off their company’s balance sheet. The leasing arrangement can also be customised to meet customer needs and requirements.

Toyota Capital Malaysia is committed towards achieving high-quality performance and sustainable growth. We attained remarkable and steady growth over the years achieving a high of RM5,386 millions in total assets as of March 31, 2015. Our customer base has also grown significantly over the years to 112,000 customers.

Our Total Assets And Product Mix

12

2011 2012 2013 2014 2015

Total Assets(RM Millions)

3,001

3,505

4,085

4,552

5,3866,000

5,000

4,000

3,000

2,000

1,000

0

120

100

80

60

40

20

02011 2012 2013 2014 2015

63.7

89.3

Number Of Customers(Thousands)

77.4

112.0

101.9

Fiscal year ending March 31

AITAB28%

HirePurchase

56%

FlexiPlan9%

Product Mix(As at 31 March 2015)

Toyota Drive / Lexus Access / Corporate Lease

1%

2-TIER PLAN6%

Convenient Ways2PayIn our pursuit to ensure customer convenience, we are constantly working with potential parties to provide alternative payment channels.

Our current payment channels include MEPS Direct Debit as well as ATM and CDM networks with participating banks.

PAYMENTVIA MAIL

PAYMENT ATOUR OFFICE

CASH DEPOSITMACHINE

PAYMENT VIAMEPS DIRECT DEBIT

AUTOMATEDTELLER MACHINE

PAYMENT VIAON LINE

13

Motor insurance and road tax renewal services

Toyota Capital Malaysia believes in going beyond the

norm to provide extra value-added services for our

customers. These services include motor insurance

renewal from reputable insurance companies

throughout the country and road tax renewal services.

Our Value-Added Services

Toyota Capital Malaysia Sdn Bhd 11547-M

Level 20, Plaza IBM, First Avenue, Bandar Utama, 47800 Petaling Jaya, Selangor, Malaysia

Tel : 6-03-7962 6000 Fax : 6-03-7962 6076

Visit us at: www.toyotacapital.com.my

Information updated by Toyota Capital Malaysia Sdn. Bhd. AUG2015