Increasing in new and used dealerships/outlets provides opportunities for dealer loans and incremental business particularly in the used car market and increasing popularity of equity loans (Sabuy Jai & Sabuy Cash)
Maturing information on the National Credit Bureau(NCB) and the bureau score provided by NCB will improve credit scoring methodology and create Risk-based pricing
Innovative of "Cash Management products for settlement process " as well as modernize technology at Banks, Settlement Service Providers, IT Service Provide, seen continue improving, especially in Retails Business, leading to higher customers' satisfaction and convenience, as well as better TLT 's operation
New Income tax policy leading to more purchasing power and New Re-finance business regulation by Bank of Thailand(BOT) (เอารถจำนำเข้าระบบ
Aggressive finance and auto insurance market competition
Global economic uncertainty
Thai political & Governmental policy seen unstable
Natural Disasters
Higher household debt, as well as, cost of living threaten profitability for retails business especially used car business
TFS Group's funding concentration from top 10 Japanese banks reached 69% of total utilization (As at Mar 2013), seen threaten to liquidity risk in case Japanese banks turn difficulties
Newcomers of other automobile brands e.g. from China & India seen threaten Toyota new car sale
Potential new car excise tax structure(currently Ministry of Finance has announced the new regulation) enforcement in 2016. The new excise tax rate will be based on CO2 emission and type of fuel used
The draft of "Fair Debt Collection Act" are now pending for approval from the parliament . It is expected to be approved & become enforce in next 1-2 years. The law might cause TLT some difficulty or inconvenience in debt collection
Unforeseen government regulations in Credit Care product may become a Consumer Protection target at some point in time