American Honda Finance Corporation
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1 ACURA NSX Investor Presentation May 2015
2 Caution with Respect to Forward-Looking Statements: These slides may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that involve a number of risks and uncertainties. Certain such forwardlooking statements can be identified by the use of forward-looking terminology such as believes, expects, may, will, should, seeks, scheduled, or anticipates or similar expressions or the negative thereof or other variations thereof or comparable terminology, or by discussions of strategy, plans or intentions. Such forward-looking statements are necessarily dependent on assumptions, data, or methods that may be incorrect or imprecise and that may be incapable of being realized. Factors such as declines in the financial condition or performance of Honda or AHFC or the sales of Honda or Acura products, changes in general business and economic conditions, and fluctuations in interest rates and currency exchange rates, among others, could cause actual results and other matters to differ materially from those in such forward-looking statements. Accounting Standards: Our consolidated financial information is prepared in conformity with U.S. generally accepted accounting principles. This information is presented as of May 27, 2015 and does not purport to be accurate as of any other date. We undertake no obligation to update this information. This presentation does not constitute an offer to sell or a solicitation of an offer to purchase any securities. Any offer or sale of securities will be made only by means of an offering memorandum and related documents. 2
3 3 Rating Information: Moody s S&P Honda Corporate Structure A1 Stable A+ Stable Fiscal year of Honda Motor Co., Ltd. ends on March 31 Honda Motor Co., Ltd. Honda 100% American Honda Motor Co., Inc. AHM 100% American Honda Finance Corporation AHFC Support Agreement Keep Well Highlights Maintain 80% ownership Ensure AHFC maintains a positive net worth If necessary, provide liquidity for AHFC to meet our obligations
4 4
5 AHFC Operations 8 Regional Auto offices 1 National Motorcycle office Over 3.7 million customers HQ located in Torrance, CA 1,625 Associates in the US (@ 3/31/15) Service Center in Irving TX 5
6 Business Highlights New auto contract increase over prior year Underwriting remains consistent Low charge-offs continue Strong residual values continue Strong ratings Regulatory Reform continues to be a focus 6
7 AHFC Net Income IBIT US$ (millions) 2,000 1,800 1,600 1,400 1,200 1, ,637 1,990 1,811 IBIT excluding valuation adjustments and reclassifications Total Finance Revenues 5,760 5,986 1,652 1,706 1,445 1,551 4,471 FY12 FY13 FY14 9mo Ending Dec 13 4,757 1,240 1,034 1,172 1,169 9mo Ending Dec 14 6,000 5,000 4,000 3,000 2,000 1,
8 AHFC Portfolio Mix US$ (millions) 70,000 $62,930 $64,120 60,000 $55,561 $58,852 50,000 40,000 30,000 20,000 10,000 0 FY 12 FY 13 FY 14 Dec 14 Retail $24,359 $24,356 $26,430 $26,419 Lease $21,134 $22,706 $23,952 $26,113 Dealer $3,249 $4,208 $4,371 $4,174 Securitized Assets $6,819 $7,582 $8,177 $7,414 Debt $40,567 $42,149 $45,634 $46,229 As of December 31, 2014: Retail Loans are approx. 53% of outstanding receivables (including ABS assets) Leases are 41% of outstanding receivables Securitized Assets are Retail Loans. We do not currently securitize other asset classes Dealer Loans Flooring 30% of the Honda/Acura Auto dealers Flooring 97% of the Honda/Acura Motorcycle dealers Lease includes both direct finance leases and operating leases. Retail excludes securitized assets 8
9 AHFC CFS Originations, Penetration & Outstanding Unit (thousands) 3,000 71% 2,500 2,000 1,500 1, ,118 New Auto 63% 43% 43% 1,176 71% 70% Motorcycle 39% 39% 1,361 1,061 FY 12 FY 13 FY 14 9mo Ending Dec 13 Originations Retail Auto Lease Auto Other Penetration 62% 37% 962 9mo Ending Dec 14 80% 70% 60% 50% 40% 30% 20% 10% 0% Penetration FY12, FY 14 and the period ending December 2013 show higher new auto penetration as a result of higher incentive programs sponsored by our parent, American Honda Motor Co., Inc. Outstanding 3,440 3,491 3,660 3,641 3,780 9
10 AHFC Performance Data AHFC s underwriting standards are reflected in our low charge-off and delinquency numbers. Fiscal Year Ending 9 mo Ending FY 12 FY 13 FY 14 Dec 13 Dec 14 Delinquency (60 or more days) (1),(3) 0.10% 0.10% 0.10% 0.18% 0.17% Allowance for Credit Losses (1),(3) 0.42% 0.23% 0.24% 0.22% 0.22% Charge-Offs (Net of Recoveries) (2),(3),(4) 0.30% 0.28% 0.27% 0.27% 0.26% (1) Percentages based on ending receivable balances for respective periods. (2) Percentages based on average receivable balances for respective periods. (3) Ending and average receivable balances exclude the allowance for credit losses, write-down of lease residual values, unearned subvention income related to our incentive financing programs and deferred origination costs. Average receivable balances are calculated based on the average of each month s ending receivables balance for that fiscal period. (4) Percentages for the nine months ended December 31, 2013 and 2012 have been annualized. 10
11 AHFC Funding Highlights Strong liquidity including committed credit facilities and investment reserves Access to various unsecured domestic and international markets Benchmark program in the ABS markets Deep and solid relationships with our investor community Continuously developing new investor relationships 11
12 AHFC Funding Flexibility US$ (millions) 50,000 45,000 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5,000 0 $40,567 17% 4% 14% 28% 17% 12% $42,149 18% 4% 8% 32% 18% 3% 8% 36% 16% 14% 11% 10% 9% 11% 9% $45,634 $46,229 16% 4% 4% 39% 15% 9% 13% FY 12 FY 13 FY 14 Dec 14 Commercial Paper Related Party Debt Bank Loan US MTN Euro MTN Other ABS Diversified AHFC Funding Programs - Commercial Paper Program US $7 billion, CAD $2 billion (HCFI) (supported by US $7 billion and CAD $1.6 billion (HCFI) Bank Credit Facilities) - Related Party Debt - Bank Loans - US $16 billion Shelf USMTN Public Program - US $25 billion USMTN Private 144a Program (Inactive) - US $11 billion EMTN Program (Inactive) - Private Placement Issuance (HCFI) - Public & Private Securitization (AHFC & HCFI) 12
13 FYTD Debt Issuance (US Operations Only) 8,000 7,000 6,000 5,000 4,000 3,000 2,000 1,000 0 $6,750 $6,215 $4,250 $3,000 $1,161 $800 $800 USMTN EMTN Bank Loan Securitization 9mo Ending Dec 13 9mo Ending Dec USMTN included issuance off 144a program 2014 was all SEC registered 13
14 Term Debt Maturity Profile US$ (millions) As of December ,000 37% 12,000 10,000 26% 8,000 6,000 17% 4,000 9% 11% 2,000 0 <1yr 1yr - 2yr 2yr - 3yr 3yr - 4yr >4yr Excludes Commercial Paper and Related Party Debt Does not include unamortized discounts and fees Foreign debt based on exchange rates as of December 31, 2014 Repayment schedule of secured debt reflects payment performance assumptions on underlying receivables 14
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