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Hyundai Card Contents CEO’s Letter 02 History 06 Redefining the financial industryHyundai Life Location 10 Hyundai Card, Life, Capital, and Commercial Korea and in abroad Directors & Executives 18 Innovative leadership in a systematic organization With Numbers Financial Highlights 24 Thinking about numbers Financial performance in 2011 and robust financial health in assetsHyundai Capital Products 36 Well-structured product portfolio Partnership 44 Synergy from successful partnerships Press Coverage 50 Hyundai Card, Life, Capital and Commercial in the mediaHyundai Commercial
Hyundai Card CEO’s Letter CEO’s Letter At Hyundai Card, Hyundai Life, Hyundai Capital and Hyundai Commercial, we are obsessed “ e are obsessive about WHyundai Life with numbers. Numbers are a matter of life and death for any company - especially one in the financial sector. To achieve robust data, we have managed our company according to number. In order to earn good conservative principles while maintaining an acute sensitivity to the trends that are redefining our industries. Our rock-solid foundation in numbers have enabled us to invite global pop stars, world class orchestras and sports stars, take new steps in design and firmly ground numbers, we run our company our pioneering culture and work environment in Korea’s black-suited corporate world. In short, Hyundai’s ground-breaking innovation is founded upon our strength in numbers. with disciplines.” 2011 was a challenging year. In Korea, disputes about merchant fees heightened while rising household debt resulted in a further loss of confidence in the financial industry. 03 Tension intensified in both the credit card and capital markets as our competitors rearmed. In addition, the auto financing market became more cutthroat as retail and savings banks rushed in. Looking beyond the turbulence of these crises, we focused on fortifying our fundamentalsHyundai Capital in financial services. As a result, Hyundai Card, Capital and Commercial earned a record KRW 1.7 trillion in combined operating incomes, up 10% from 2010 when excluding one-off earnings. Without relying on external financing, Hyundai Card, Capital and Commercial all have sufficient operating capital for the next six months in terms of cash flow and credit lines. In addition, rather than in short-term, high-risk financial services, the majority of our assets lie in credit purchase and auto financing which guarantee long-term, stable revenues. I’m especially proud of how we were able to preserve dynamism in our businesses over the years while maintaining the industry’s lowest delinquency rate.Hyundai Commercial With Numbers
Hyundai Card CEO’s Letter At Hyundai Card, Hyundai Life, Hyundai Capital and Hyundai Commercial, we are obsessed As a financial company, our overriding concern is managing risk. There can be no loopholes 2012 will present even more difficult challenges. KRW 900 trillion in Korean household debtHyundai Life with numbers. Numbers are a matter of life and death for any company - especially one in or compromises in this. To sustain momentum, we have devoted our energies towards indicates that the business climate next year will be burdened by heavy regulation. However, the financial sector. To achieve robust data, we have managed our company according to marketing, but only on the firm foundation provided by thorough risk management. Our goal as we have in the past, we will commit to our principles and find new growth opportunities conservative principles while maintaining an acute sensitivity to the trends that are redefining is not to achieve stability, but sustainable growth. We found that scientific approaches to by pioneering new markets. our industries. Our rock-solid foundation in numbers have enabled us to invite global pop marketing can revitalize the market and its players and provide new experiences and positive stars, world class orchestras and sports stars, take new steps in design and firmly ground value to consumers while simultaneously contributing to risk management. Marketing that This year, we welcomed a new addition to the Hyundai family: Hyundai Life. Now our retail- our pioneering culture and work environment in Korea’s black-suited corporate world. In targets specific customers can better accommodate customer needs while preventing costs financing arm is complete with credit card and consumer finance, commercial financing short, Hyundai’s ground-breaking innovation is founded upon our strength in numbers. incurred from defaulting accounts by securing high-value customers. services, and life insurance. The insurance market will provide endless growth engines and business opportunities. Moreover, we expect visible results in our overseas business 2011 was a challenging year. In Korea, disputes about merchant fees heightened while Our marketing strategies are deeply grounded in scientific research. Instead of relying initiatives in China and the UK. I’m confident that 2012 will be a year of innovation and new rising household debt resulted in a further loss of confidence in the financial industry. on assumptions and trailing behind the needs of our customers, we take a preemptive growth for us at Hyundai Card, Hyundai Life, Hyundai Capital and Hyundai Commercial. Tension intensified in both the credit card and capital markets as our competitors rearmed. approach. Success stories in marketing include our well-defined credit card portfolio from “M In addition, the auto financing market became more cutthroat as retail and savings banks to ZERO” and MY BUSINESS, an integrated service solution providing not only capital, but rushed in. also operational support to business owners. Looking beyond the turbulence of these crises, we focused on fortifying our fundamentals The competencies of our group also lie in successful partnerships. In 2004, we establishedHyundai Capital in financial services. As a result, Hyundai Card, Capital and Commercial earned a record a solid partnership with GE that helped to strengthen our infrastructure by sharing corporate KRW 1.7 trillion in combined operating incomes, up 10% from 2010 when excluding one-off cultures and business know-how. In our overseas business, Hyundai Capital America earnings. recorded USD 200 million in net profit and has gradually secured its position as a major Ted Chung auto financing provider for American customers of Hyundai and Kia Motors. In Europe, we CEO: Hyundai Card; Hyundai Capital; Hyundai Commercial Without relying on external financing, Hyundai Card, Capital and Commercial all have joined hands with the Consumer Finance sector of Europe’s largest bank Santander and Chairman of the Board: Hyundai Life sufficient operating capital for the next six months in terms of cash flow and credit lines. In established a joint company in the UK to expand our presence in the European market. addition, rather than in short-term, high-risk financial services, the majority of our assets lie in credit purchase and auto financing which guarantee long-term, stable revenues. I’m especially proud of how we were able to preserve dynamism in our businesses over the years while maintaining the industry’s lowest delinquency rate.Hyundai Commercial
Hyundai Card History HistoryHyundai Life “ rom Hyundai Auto Finance F in 1993 to Hyundai Life in 2012, our history is one of growth.” 07Hyundai CapitalHyundai Commercial With Numbers
Hyundai Card History 1993 1995 1999 2001 2002 2003 2004 2005 12 04 01 04 06 03 06 10 01 10 | ounded as Hyundai F | ompany name C | ompany name C | eadquarters moved H | yundai Card H | aunched Hyundai L | yundai Capital H | oundation of joint F | aunched Hyundai L | oundation of joint F Auto Finance, Inc. changed to Hyundai changed to Hyundai to Yeouido introduced Save Card M launched Mortgage venture between Capital’s Pro venture between Financial Services, Inc. Capital Services, Inc. Point System Loan Hyundai Capital and Volleyball Team Hyundai Card and 07 11 GE Capital Cheonan Hyundai GE Capital | yundai Capital H 10 | yundai Capital H 08 Skywalkers launched auto | yundai Capital H selected Best in | ormation of F | aunched Hyundai L 11 leasing services named No. 1 in Customer Service strategic alliance Capital’s auto-leasing 02 | yundai Card H Installment Financing Innovation Category, between Hyundai brand KlassAuto | Launched Hyundai awarded Korean 08 by Korean Customer Customer Satisfaction Capital GE Capital Card the Black Finance Innovation | Hyundai Capital | aunched Hyundai L Satisfaction Index Management Awards Award acquired Diners 09 Capital’s installment 08 (KCSI) by Korea Management Club, Inc. | yundai Card ranked H financing brand | Formation of 12 Association Consulting No. 1 in Service Autoplan strategic alliance | aunched Hyundai L 10 Quality Index by between Hyundai Capital’s integrated | iners Club Card D | yundai Capital H Korea Management Card GE Capital personal financing changed name to named No. 1 in Association brand Prime Loan Hyundai Card, Inc. installment financing 09 Consulting by Korea Consumer | aunched Hyundai L Satisfaction Index Capital’s Prime (KCSI) Mortgage LoanHyundai Life 2006 2007 2008 2009 2010 2011 2012 02 02 06 01 01 12 03 11 06 04 | aunched Hyundai L | Hyundai Card | Hyundai Capital | Hyundai Capital | yundai Capital H | apan’s largest credit J | yundai Commercial H | yundai Card H | aunched Hyundai L | Launched Hyundai Card the Purple awarded Korea launched loan waiver introduced Plus secured KRW 1.65 rating company JCR was named Power launched Platinum 3 Card Platinum 2 Card DIRECT 09 Ethical Management program Membership trillion credit line revised Hyundai Brand Company in Series | aunched Hyundai L 08 05 Grand Prix in Cultural Capital’s rating the Lease Financing Card’s service brand 08 | yundai Capital H 03 | Hyundai Capital | yundai Commercial H | Established Management outlook to “stable” Category by Seoul PRIVIA | Hyundai Card issued JPY 47 billion | yundai Capital H issued JPY 30 billion hits KRW 3 trillion in Hyundai Life Economic Daily 03 opened offline in Samurai bonds ranked No. 1 in Korean | Hyundai Card in Samurai bonds assets | yundai Card H | yundai Commercial H M-point Shop as Industrial Brand Power ranked No. 1 in 07 was named Most 03 | SP upgraded 10 established to the first of its kind in the Capital Category National Customer | yundai Capital H Respected Company | yundai Capital H Hyundai Capital’s | yundai Card HHyundai Capital take over industrial in Korea by Korea Management Satisfaction Index launched Direct Loan in Korea in the Credit received AA1(Positive) credit rating to BBB+ Hyundai Capital services from Association Consulting (NCSI) in the credit Card Category by 10 rating from RAM 09 (stable) opened MY BUSINESS Hyundai Capital card category for fifth Korea Management | yundai Capital H 11 | yundai Card H portal 04 consecutive year | itch upgraded F Association Consulting 04 opened used car | Hyundai Capital Hyundai Capital | yundai Capital H in a row Hyundai Card’s 11 | yundai Card issued H financing portal issued USD 500 million opened corporate 08 issued USD 155 million credit rating to BBB+ | yundai Card H USD 400 million in Auto Inside in Yankee bonds | Hyundai Card blog | pened Hyundai O in syndicated floating (stable) Hyundai Capital overseas bonds; first received Korea’s Card-Hyundai Capital rate notes held MY BUSINESS of its kind in Korea Best Website Award 12 Finance Shop Success Conference 09 | yundai H | yundai Capital H 12 | yundai Capital H Commercial’s | yundai Capital H launched used car | yundai Card H recorded one million domestic credit launched secured leasing Received BBB credit used car financing rating upgraded to auto loan rating from SP customers AA- (stable) | yundai Card launched H 10 | yundai Card’s credit H Android Mobile Card | yundai Card Hyundai H rating upgraded | aunched Hyundai L Capital received to AA+ by Korea Card ZERO consumer information Investor Service protection certification (ISO 27001) 12 | yundai Capital HHyundai Commercial successfully raised KRW 185 billion With Numbers in foreign capital
Hyundai Card Location LocationHyundai Life “ e started as a company W headquartered in Yeouido, Seoul. Now you can find us all around the world.” 11Hyundai CapitalHyundai Commercial With Numbers
200mHyundai Card Location The National Assembly Building Headquarters National Assembly subway station Headquarters 2 Headquarters 1 Headquarters 3 Headquarters 3 (under construction) (under construction) Headquarters 2 Yeongdeungpo OfficeHyundai Life Headquarters 1 Yeongdeungpo subway station 13Hyundai Capital The National Assembly Building Boramae ParkHyundai Commercial National Assembly National Assembly subway station Exit no. 1 subway station Exit no. 2 Hyundai Life With Numbers
Hyundai Card Location Seoul Offices Regional Offices Hongik University Office: Hyundai Card Hyundai Capital Headquaters: Hyundai Commercial Hyundai CardHyundai Life Hyundai Capital Hyundai Commercial Suwon Office: Hyundai Card Hyundai Capital Hyundai Commercial Daejeon Office: Yangjae Offcie: Hyundai Card Hyundai Card Hyundai Capital Hyundai Capital 15 Hyundai Commercial Gwangju Office:Hyundai Capital Hyundai Card Hyundai Capital Ulsan Office: Hyundai Card Hyundai Capital Hyundai Commercial Yeongdeungpo Office: Hannamdong Office: Seoul Auto Gallery: Hyundai Card Hyundai Card Hyundai Capital Hyundai Capital Busan Office: Hyundai Card Daegu Office: Hyundai CapitalHyundai Commercial Hyundai Card Hyundai Capital With Numbers Hyundai Commercial Headquaters: Hyundai Life
Hyundai Card Location Global Offices Hyundai Capital Russia LLC Hyundai Capital Beijing Representative Office Hyundai Capital America Testovskaya 10, North Tower 15F, 16F Guan Cheng Tower, Taiyanggongzhong Road, 3161 Michelson Drive, Irvine CA, 123317, Moscow, Russia Chaoyang District, Beijing, China (100028) 92612, U.S.A HCA Irvine Operating Center 210 Commerce Irvine, CA 92602, U.S.A Hyundai Capital UK Ltd. 3 Princess Way, Redhill,Hyundai Life RH1 1SR, United Kingdom 17 Hyundai Capital provides financial consulting services for Hyundai and Kia Motors in Australia 350 Parramatta RoadHyundai Capital Homebush NSW 2140, Sydney, Australia HCA Atlanta Operating Center Hyundai Capital Europe GmbH 7775 The Bluffs Suite A Austell, HCA Dallas Operating Center GA 30168, U.S.A Theodor HeussAllee 11, 6100 W Plano Pkwy, Plano, TX , 60486 Frankfrut am Main, Germany U.S.A Hyundai Capital Germany GmbH Theodor HeussAllee 11, 60486 Frankfrut am Main, Germany Hyundai Capital, Hyundai Card Hyundai Capital provides Hyundai Commercial Headquarters financial consulting services 3, Llisadangdae-ro, Yeongdeungpo-gu for Hyundai and Kia Motors Seoul, Korea, 150-706 in Brazil Hyundai Motor Brazil Montadora A-LTDA Av.Hyundai Commercial Hyundai Capital New Delhi Ibiraquera 2120, 3 Andor Representative Office Bairro Indianopolis, CEP With Numbers 6th floor, Corporate One, Plot No. 5, 04028-001 Sao Paulo, Brazil Non-Hierarchical Commercial Centre, Jasolar, New Delhi 100 076, India
Hyundai Card Directors Executives DirectorsHyundai Life “ yundai Card, Life, Capital H Executives and Commercial are winning success and building a leading corporate culture with their 19 systematic organization.”Hyundai CapitalHyundai Commercial With Numbers
Ick-Jin Park Hyundai Hyundai Hyundai Senior Vice President | Strategy Hyundai Card Life Capital Planning Division Commercial Sang-Hyuk Suh Senior Vice President | Overseas Business Department Eun-Gu Jang Senior Vice President | Corporate Business Division Sung-Won Jin Senior Vice President | Cross- sell Business Department Heather Valteris Directors Executives Directors Executives Directors Executives Vice president | Finance Directors Executives Management Representative Niclas Neglen Vice President | FinanceTed Chung Ted Chung Ick-Jin Park Kwan-Sun Ahn Ted Chung Jin-Hwan Choi Dae-Geum Kang Ted Chung Ted Chung Representative Yeon-Woong Baek Ted Chung Ted Chung Hwan-Jun Yang President CEO Senior Vice President | Vice President | Strategic Chairman of the Board CEO Vice President | Customer President CEO Vice President | Collections President CEO Vice President | IT Innovation Gwi-Ho KangHyun-Seok Shin Strategy Planning Division Planning Department Jin-Hwan Choi Support Department Hyun-Seok Shin Vice President | Auto Finance Department Byeong-Hee Kim Department Ciaran Barr Myung-Sik Chang Ciaran Barr Sung-Moon KimDirector Deputy CEO | Financial Business Eun-Gu Jang Hwan-Jun Yang President Auditor Sean Park Director Deputy CEO | Financial Business Department 2 Kwan-Sun Ahn Director Auditor Byeong-Ku Jeon Yoo-No Hwang Representative Senior Vice President | Vice President | IT Innovation Myung-Sik Chang Vice President | TM Sales Won-Hee Lee Representative In-Hwan Kwak Vice President | Strategic Won-Hee Lee Vice President | Ho-Sung Suh Byeong-Hee Kim Director Corporate Business Division Department Director, Audit Committee Department Director Vice President | Collections Planning Department Director Corporate Management Hyun-Seok Shin Executive Vice President | Asset Hyun-Seok Shin Executive Vice President | Vice Member Department Department Yong-Bae Lee Senior Executive Vice President Sung-Won Jin Joon Oh Management Division Bo-Yoon Kang Senior Executive Vice President Hwan-Jun Yang Ju-Hyuk Lee President Yong-Bae LeeDirector | Auto Business Division Senior Vice President | Vice President | Design Byung-Chul Choi Vice President | Product RD Director | Auto Business Division Dae-Kyoon Kwon Vice President | IT Innovation Director Kyu-Sik Kim Beom-Jin Kim Jwa-Jin Cho Cross-sell Business Department Department Director Department Vice President | Corporate Department Vice President | Business LegalCiaran Barr Yoo-No Hwang Senior Vice President | Managing Ciaran Barr Yoo-No Hwang Jwa-Jin Cho Executive Vice President Services Division Affairs Department Director Senior Executive Vice President Dae-Kyoon Kwon Hwan-Bin Yong Kyung-Yup Kim Division Young-Wan Ko Senior Executive Vice President Joon Oh Director | Strategic Planning Director | Corporate Services Division Vice President | Vice President | Finance Sales Outstanding Director Vice President | Audit | Corporate Services Division Gyu-Sik Kim Vice President | Design Division Kil-Ho JunChan-Woo Jeong Woo-Jin Lee Bernard van Bunnik Corporate Services Division Department Department Vice President | Business Legal Department Vice President | IndustrialOutstanding Director, Jung-Hoe Kim Kwang-Woo Park Senior Vice President | Operation Won-Jong Sang Byung-Doo Kim Director Affairs Department Financing Department Audit Committee Member Advisor Seong-Uk Kwon Gyo-Chang Lee Outstanding Director Division Seung-Ryoung Advisor Hwan-Bin Yong Executive Vice President | Risk Vice President | Fee Business Vice President | CS Department Kang Matthew Richard Susser Deok-Hwan Kim Vice President | Finance Sales Management Division Ki-Hwa Jang Sang-Yong Lee Byeong-Doo Kim Ui-Myung Park Dae-Kyung Kim Director Woon-Chul Jung Department (Fee Biz) Vice President | Seoul Vice President | Finance Department Vice President | CorporateOutstanding Director, Executive Vice President | Myong-Su Lee Outstanding Director Senior Vice President | Sales Auditor Gun-Woo Kim Headquarter Planning Department Finance Department Risk Division Gyu-Sik Kim Vice President | Business Division Woon-Chul Jung Gyo-Chang Lee Senior Vice President | ITAudit Committee Member Byeong-Doo Kim Vice President | Business Legal Innovation Department Sung-Pyo Hong Myuoung-Joo Kang Auditor Sang-Woo Kim Vice President | CS Department DepartmentSung-Tai Hong Suk-Joon Won Outstanding Director Chang-Geun Yang Executive Vice President | Risk Affairs Department Vice President | DongBu Vice President | UnderwritingOutstanding Director, Executive Vice President | Mee-Yong Lee Vice President | IT Department Management Division Myong-Su Lee Ick-Jin Park Headquarter DepartmentAudit Committee Member Marketing Division Deok-Hwan Kim Vice President | CLM Vice President | Business Senior Vice President | Strategic Joong-Il Kim Ju-Hyuk Lee Vice President | Finance Department Sung-Moon Kim Innovation Department Planning Division Xavier Durand Ju-Hyuk Lee Vice President | Asset Executive Vice President Planning Department Vice President | AuditOutstanding Director Executive Vice President | Yoon-Seok Lee Management Department | Financial Business Byung-Hui Lee Jeong-Hak Son Financial Business Sang-Woo Kim Vice President | Corporate Representative Department Vice President | Auto Finance Senior Vice PresidentRobert Morimoto Jin-Bong Han Representative Vice President | Underwriting Services Department Soo-Kyung Kim Department 3 | Investment FinancingOutstanding Director Vice President | Corporate Keun-Bae Jung Department Vice President | Corporate Department Jin-Moon Jung Joon-Suk Lee Service Department Executive Vice President | Auto Yoon-Seok LeeBhupesh Gupta Executive Vice President | Sung-Moon Kim Vice President | SME Business Business Division Management Department Vice President | Corporate Kwan-Sun Ahn Outstanding Director Card Sales Division Vice President | Audit Department Yoon-Tae Kim Services Department Vice President | Strategic Jwa-Jin Cho Department Vice President | Finance Division Planning Department Jwa-Jin Cho Byung-Sik Jang Executive Vice President | Joon-Suk Lee Executive Vice President | Yoon-Tae Kim Vice President | Risk Strategy Planning Division In-Ju Kim Vice President | SME Business Myong-Su Lee Strategy Planning Division Vice President | Finance Division Management Department 1 Vice President | Yeongnam Department Vice President | Business Gun-Woo Kim South Auto Innovation Department Gun-Woo Kim Chang-Han Kim Sung-Weon Choi Senior Vice President | IT Dai-Gyu Lim Senior Vice President | Vice President | Jungbu Card Vice President | HR Department Division Hyun-Joo Kim Vice President | Jungbu Auto Byung-Sik Jang IT Division Regional Headquarters Vice President | Risk Regional Headquarters Vice President | Risk Yong-Teak Hwang Jung-In Kim Representative Management Jung-In Kim Soo-Jeong Baek Vice President | Marketing Senior Vice President | Operation Byung-Sik Jang Department 1 Senior Vice President | Vice President | Brand Department Division Hong-Kyun Kim Vice President | Risk Operation Division Department 1 Vice President | Beijing Management Department 1 Yeon-Woong Baek Jin-Tae Kim Representative Office Vice President | Collections Jin-Tae Kim Yeon-Woong Baek Senior Vice President | Brand Sung-Weon Choi Department Senior Vice President | Vice President | Collections Division Soo-Jeong Baek Vice President | HR Department Brand Division Department Vice President | Brand Department 1
Hyundai Card Financial Highlights FinancialHyundai Life “ yundai Card, Life, Capital H Highlights and Commercial are stronger when facing the challenges. This is proven by the 25 financial results.”Hyundai CapitalHyundai Commercial With Numbers