2016년 회사소개서 en

With Numbers
Contents
CEO’s Letter
History
Global Business
Korea Business
Media Articles
02
04
08
18
38
Thinking about Numbers

0302 /
Despite intensifying competition, Hyundai Commercial has maintained top-
level asset soundness and is successfully preserving market dominance.
Hyundai Commercial intends to further stabilize its position as a platform
provider. Meanwhile, Hyundai Life has drawn closer to normalizing its
earnings by diversifying sales routes and composing product portfolios that
reflect customer needs. We expect that the strategic alliance with Fubon
Financial Holding Co., a top financial corporation in Taiwan, will enable
Hyundai Life to take a major step forward in the near future.
Hyundai Card·Capital·Life·Commercial have constantly been changing
and remain determined as we once again look out from the starting line
of new endeavors. We are breaking away from traditional methodologies
and switching to a digital way of thinking that will open up new services
and business opportunities. Our corporate identity, which underwent a
significant change in 12 years, and the declaration of the Digital Hyundai
Card brand identity, are especially representative of our new direction and
determination. We expect the challenges of 2016 to be just as exciting as
those faced over the past 12 years.
Hyundai Card·Capital·Life·Commercial are organizations that thrive on
change. Over the past year, we have strived to fundamentally change our
business models as we rise to the challenges and pursue the opportunities
presented by disruptive forces in our industries.
Through the CHAPTER2 campaign, Hyundai Card cultivated plans that will
drive future growth by expanding recruitment channels and improving
customer portfolios. While bolstering existing services, we also developed
the Digital Hyundai Card project by introducing digital elements such
as Lock & Limit, virtual card numbers, PayShot, etc. As our competitors
scrambled to release mobile cards, Hyundai Card established the Traffic
Monitoring Center, which shows the flow of nearly 75 million electronic
transactions. Hyundai Card also established a branch in Silicon Valley,
the first Korean financial corporation to do so, in order to better discern
promising trends and recruit top talent.
With nine overseas operations, Hyundai Capital is leading our global growth.
By planning to establish Hyundai Capital Bank Europe in Germany we will
enhance our commitment to the European market. Next, we plan to set up
financial companies in Brazil and India. As we expand, we will continue to
align our management systems around common standards of ‘One Global
Company’. Until recently, we mostly competed with local players. Now, we
must realize the full international potential of ‘Global Hyundai Capital’.
Vice Chairman·CEO of Hyundai Card·Capital·Commercial
Chairman of Hyundai Life Board of Directors
Ted Chung
CEO’S LETTER
WITH NUMBERS

Hyundai Card·Capital·Life·Commercial have constantly
challenged the norms of business. In 2015, we
have focused on mapping out a new way of doing
things. Having established the basis for change with
CHAPTER2 campaign, Hyundai Card presented its
own idea of digitalization through the Digital Hyundai
Card project. Instead of following the current trends,
we intend to provide uniquely Hyundai Card digital
experience to customers. Hyundai Capital is thriving
in the global market: we are not only improving on
external growth, but also building a competitive
structure that best fits each country’s environment,
as we prepare for a strong leap forward. Hyundai
Life has showed significant growth in numbers
thanks to channel and product portfolio development.
Through a strategic alliance with Taiwan’s Fubon
Life Insurance, synergy effects are arising in many
different spheres such as asset management
and product development. Hyundai Commercial is
maintaining its growth, especially by expanding its
market dominance in the B2B segment. The Hyundai
Card·Capital·Life·Commercial in 2016 will not be
deterred by boundaries: We will take our missions
further than ever.
WITH NUMBERS

0706 /
1999-2003
1999. 01
| Company changes name
to Hyundai Capital Co., Ltd.
2001. 07
| Hyundai Capital starts
auto-leasing business
2001. 08
| Hyundai Capital acquires
Diners Club Korea
2001. 10
| Diners Club Korea changes
company name to Hyundai
Card Co., Ltd.
2003. 05
| Hyundai Card launches
Hyundai Card M
2004. 10
| Hyundai Capital-GE Capital
form joint venture
2005. 01
| Hyundai Capital
establishes professional
volleyball team, the
Cheonan Hyundai
Skywalkers
2005. 02
the Black
2005. 09
| Hyundai Card Super Match
01 Maria Sharapova VS
Venus Williams
2005. 10
| Hyundai Card-GE Capital
form joint venture
2006. 02
the Purple
2006. 08
| Hyundai Card·Capital
open Finance Shop
07
the Red
10
| Hyundai Card acquires
ISO 27001 certification
in information security
management systems
01
| Hyundai Commercial
launches medical
equipment finance product
| Hyundai Card Art Shelter
receives the Red Dot
Grand Prize & Gold Prize in
IDEA Environmental
Design Category
05
| Hyundai Capital
establishes Hyundai
Capital Europe (HCE)
07
launches corporate finance
product network loan for
Hyundai·KIA joint venture
| Hyundai Capital launches
credit loan service, Direct
Loan
08
| Hyundai Card makes
partnership with MoMA
10
MY COMPANY
11
Platinum 3 Series
01
| Hyundai Capital issues
200 million swiss
francs-worth public bonds
02
| Hyundai Life is established
| Hyundai Capital
establishes Hyundai
Capital UK (HCUK)
03
| Hyundai Card·Capital·
Commercial publish
PRIDE: 50 ways Hyundai
work
06
Fitch credit rating of BBB+
| Hyundai Capital
establishes Beijing
Hyundai Auto Finance
(BHAF)
09
JCR credit rating of A+
10
Moody’s credit rating of
Baa1
11
| Hyundai Capital
establishes Hyundai
Capital India (HCIN)
01
| Hyundai Card Super
Concert 01 Il Divo
03
established
07
| Hyundai Card·Capital·
Commercial launch
Career Market system
01
| Hyundai Card·Capital
launch MY BUSINESS
07
launches corporate finance
product, True Partner’s
Loan for SMEs
09
| Hyundai Capital
establishes Hyundai
Capital Germany (HCG)
12
| Hyundai Card ranks 1st
in the National Customer
Satisfaction Index in
credit cards for the 5th
consecutive year
03
| Hyundai Card Culture
Project 02 John Legend
06
Platinum 2 Series
07
| Hyundai Card·Hyundai
Capital Dream Realization
Project win Gold Prize
in IDEA Service Design
Category
08
attains KRW 3 trillion in
financial assets
11
ZERO
secured car loan
2007 2009 2011 2013 2014 2015 2016
2004-2006 2008 2010 2012
09
| Hyundai Card London
Design Festival exhibition
| Hyundai Card launches the
App Card
11
| Hyundai Life acquires
in information security
management systems
12
| Hyundai Card DESIGN
LIBRARY is awarded the
2013 DFAA (Design for
Asia Award)
| Hyundai Capital America
(HCA) receives best
ranking in JD Power’s
Auto Finance Customer
Satisfaction Survey
05
| Hyundai Card opens
TRAVEL LIBRARY
09
| Hyundai Life launches an
exclusive online shopping
mall for insurance
products
11
| Hyundai Card receives
the 22nd Korean Ethical
Management Award
grand prize
| Hyundai Life launches
ZERO MAX
06
| Hyundai Life forms strategic
alliance with Taiwan’s
Fubon Life Insurance
| Hyundai Capital America
(HCA) is awarded
2015 Adam Smith by
US Treasury Today
08
CARD FACTORY
09
| Hyundai Card MUSIC
LIBRARY receives Seoul
Architect Award grand prize
10
| Hyundai Card declares
Digital Hyundai Card, and
launches Lock&Limit service
| Hyundai Card receives
Minister’s Prize by Ministry
of Science, ICT and Future
Planning for 2015 Korean
ICT Innovation Category
12
Digital Hyundai Card
- virtual card number service
| Beijing Hyundai Auto
Finance (BHAF) acquires
ISMS (information security
management system)
| Hyundai Capital receives
2015 Government Prize for
Creation of Jobs by Ministry
of Employment and Labor
03
| Hyundai Capital issues
Green Bond (USD 500
million)
| Hyundai Card Culture
Project 21 Jean Paul
Gaultier Exhibition
Channel Hyundai Card
selected by Ministry of
Employment and Labor as
Top 100 Firm for Creation
of Jobs in 2015
04
Gwangju 1913 Songjeong
Station Market Revitalization
Project
01
ZERO
02
DESIGN LIBRARY
Hyundai Card X E-mart
collaboration on kitchen
utensils brand, OYSTER
05
| Hyundai Card publishes
DESIGN without WORDS
| Hyundai Card-Kia Motors
launch concept car My
Taxi exhibition
| Hyundai Capital
establishes Hyundai
Capital Brazil (HCB)
07
| Hyundai Card CHAPTER2
| Hyundai Capital completes
Skywalkers multi-
base camp, CASTLE OF
SKYWALKERS
01
| Hyundai Capital UK (HCUK)
becomes the first Korean
finance company to issue
ABS
launches the Industrial
Lease product
03
| Hyundai Card My Taxi
is awarded gold in the
iF Design Awards
| Hyundai Card designs
Jeju Island’s bus stops and
systematizes its bus
routes
04
| Hyundai Card·Hyundai
Capital open Bongpyeong
Market Revitalization
Project
| Hyundai Capital
establishes Hyundai
Capital Canada (HCCA)
01
S&P credit rating of A-
03
| Hyundai Card selected by
Ministry of Employment
and Labor as Top 100 Firm
for Creation of Jobs
Korea's first integrated
application, App Card
04
| Hyundai Card design
exhibition at Milan Design
Week
05
| Hyundai Card Super
Concert 20 Paul
McCartney
MUSIC LIBRARY &
UNDERSTAGE
E-mart e card
01
the Korea’s first
Western·Oriental medicine
health insurance
02
| Hyundai Capital
Skywalkers wins 2015-
2016 Professional
Volleyball V League
personal loans for the
Genesis and the K9
My Style Installment
program
| Beijing Hyundai Auto
Finance (BHAF) issues first
ABS (CNY 1.5 billion)

Our international business wing is set on enhancing
its global presence by reinforcing internal stability and
scale. Hyundai Capital is operating at nine different
countries worldwide and is competing with local
financial corporations. By the end of 2015, Hyundai
Capital America (HCA), Hyundai Capital UK (HCUK),
Beijing Hyundai Auto Finance (BHAF), and Hyundai
Capital Canada (HCCA) operations have surpassed
KRW 38.9 trillion in financial assets. In 2016, Hyundai
Capital Bank Europe is expected to open in Germany,
and therefore growth will accelerate even faster with
a related support system establishment underway.
We have established the Global Business Division
which overlooks from global strategy to business
management, HR, and corporate structure. We have
established the Global Career Band and the Global
Rotation program to promote global human resources
exchange. These are believed to beef up our global
competitiveness as ‘One Global Company’.
WITH NUMBERS

GLOBAL
1110 /
6
7
8
9
5
12
11
1
2 3
4
10
11
Hyundai Capital Australia
Corner of 394 Lane Cove Road & Hyundai Drive
Macquarie Park NSW, 2113, Sydney Australia
12
Hyundai Card, Hyundai Capital
& Hyundai Commercial Headquarters
3, Llisadangdae-ro, Yeongdeungpo-gu Seoul, Korea
7
Hyundai Capital Europe
Tower 185 Level 22~24F, Friedrich-Ebert-
Anlage 35-37, 60327 Frankfurt a. M., Germany
10
Hyundai Capital Brazil
Av. das Nações Unidas, 14,171, 24 andar, Torre
Crystal, Vila Gertrudes CEP: 04794-000,
San Paulo, Brazil
9
Hyundai Capital India
5th Floor, Corporate One, Plot No. 5,
Non-Hierachical Commercial Centre, Jasolar,
New Delhi 110 025, India
8
Hyundai Capital Russia
5th Floor, North Tower Business Center, 10,
Testovskaya St., Moscow 123317, Russia
Hyundai Capital America HQ1
3161 Michelson Drive. Suite 1900
Irvine, CA 92612, U.S.A
HCA’s HQ2 in Newport Beach, CA
1
HCA’s Customer Support Center in
Dallas, TX
2
HCA’s Customer Support Center in
Atlanta, GA
3
Hyundai Capital Canada
123 Front street West, Suite 1000,
Toronto, Ontario M5J2M3, Canada
4
Hyundai Capital UK
86 Station Road, Redhill, Surrey, RH1 1SR,
United Kingdom
6
Beijing Hyundai Auto Finance
16th Floor, Guancheng Building, NO. 12, Taiyanggong
Zhonglu, Chaoyang District, Beijing, China
5

HYUNDAI CAPITAL
AMERICA
HYUNDAI CAPITAL
CANADA
Headquartered in Irvine, CA, Hyundai Capital America is a top-10 U.S.
auto-finance company and jointly-owned subsidiary that supports the
financial services needs of Hyundai Motor America and Kia Motors America.
Through the Hyundai Motor Finance® and Kia Motors Finance® brands,
the company provides financial products to Hyundai and Kia dealerships
nationwide, including dealer inventory and facility financing, as well
as indirect vehicle financing for retail and lease customers. Through its
subsidiary, Hyundai Protection Plan, HCA offers vehicle service contracts
and other vehicle protection products under the Hyundai Protection Plan™
and Power Protect® brands. Hyundai Capital America was founded in 1989
and, as of 2016, serves over 1.5 million customers and over 1,600 dealers
nationwide, and has over $25 billion in assets. In addition to its two offices
in Orange County, CA, Hyundai Capital America has customer support
centers in Atlanta and Dallas.
Kia Motors Finance is the registered trademark of Kia Motors America, Inc.
and is used with permission.
Hyundai Capital Canada Inc. (HCCA) is the newest financial services
subsidiary of Hyundai Motor Group. Founded in April 2014 and commenced
business operations in January 2015, the company is headquartered in
Toronto, Ontario, and operates under our service brands Hyundai Motor
Finance and Kia Motors Finance. The company became an exclusive lease
provider of Hyundai & Kia vehicles by February 2015 and continues to offer
financial products tailored to meet the needs of Hyundai and Kia dealerships
and customers. With over 85 employees, HCCA is committed to driving
growth in the Canadian market through brand value and product excellence.
Date of Establishment
1989.09
Location
3161 Michelson Drive, Suite
1900, Irvine, CA 92612, United
States
2014.04
Location
123 Front Street West, Suite
1000, Toronto, Ontario M5J2M3,
Canada
Descriptions above provided for your information only. Our goal is for the contents to be accurate. However, due to rapid changes occurring in the
programs, products and services offered in HCA’s industry, the information presented may change at any time, in whole or in part, with or without notice,
and HCA assumes no liability for your reliance on this information.
* Hyundai Protection Plan Florida, Inc. in Florida, and doing business as Hyundai Capital Extended Services in California.
PRODUCTS
Consumer
Finance
New Car Loans The retail financing products of Hyundai Motor Finance and Kia Motors
Finance (collectively HCA) provide an opportunity for customers to get into
a new Hyundai or Kia. Our retail solutions include standard and subvened
rates
New Car Leases HCA offers lease terms ranging from 24 to 60 months with low-mileage and
single-pay lease options
Balloon Retail The Balloon Retail product allows customers to experience the benefits of
both leasing and ownership, with shorter trading cycles than traditional
retail products
Hyundai Select
and Kia XChange
Available in select states, this unique retail financing product combines the
benefits of retail and lease to create another finance option for customers.
It features lower monthly payments compared to a standard retail product
of the same term, but allows customers to build equity toward a future
purchase or lease
Used Car & CPO
Loans
HCA offers subvened, like-new financing for CPO inventory, including
extended-term financing. We provide generous advances and competitive
flats
Dealer Finance Floorplan
Financing
When dealers floor plan with HCA, they become one of our Elite dealers and
enjoy inventory financing features such as competitive rates and favorable
retail bonus incentives, as well as a number of exclusive promotions
Working Capital
and Real Estate
Whether a dealer is building from the ground up, renovating, or seeking new
property, they have access to a dedicated commercial sales team and credit
experts who specialize in helping them with all their financing needs
Vehicle Protection
Products
(offered by HCA’s
subsidiary, Hyundai
Protection Plan, Inc.
(HPP)* under the
Hyundai Protection
Plan and Power
Protect brands)
Mechanical
Coverage
HPP offers three mechanical coverage products, Vehicle Service Contracts,
Certified Pre-Owned Wrap, and Term Protection Plus
Pre-paid
Maintenance
Customers who wish to pay in advance for regular vehicle maintenance can
select one of three pre-paid maintenance plans to help keep their vehicles
running well and in compliance with the factory warranty
Damage Care HPP offers Damage Care products to protect against unforeseen damage,
including Excess Wear and Use as well as Tire and Wheel, Dent and Ding,
and Windshield Repair, and overall Appearance Protection products
Loss & Theft HPP offers products designed to cover what traditional insurance does
not, like Guaranteed Asset Protection (GAP), Theft Protection, and Key
Replacement Protection
Auto Finance Lease (Subvented,
Standard, Single-
Pay)
Increases trade cycle for OEMs and dealers/Provides consumers with low
monthly payments
Retail Loan
(New/Used)
Competitive rates and terms providing dealers a solution for prime and
near prime consumers
Fleet Loan Lease and loan programs for small business operating 3 or more vehicles
Dealer Finance Floorplan
Financing
(New/Used)
Inventory finance program supporting OEM and dealer sales with dealer
benefits tied to retail and lease penetration
Equipment/
Capital/Real
Estate Financing
Term loans supporting dealer purchases or improvements including
expansion and imaging
PRODUCTS
1312 /

BEIJING HYUNDAI
AUTO FINANCE
HYUNDAI CAPITAL
UK
Beijing Hyundai Auto Finance Co., Ltd (BHAF) is a leading auto finance
company in China. Founded in June 2012, BHAF is a joint venture among
Hyundai Capital Service, Beijing Automobile Investment Co., Ltd., Beijing
Hyundai Motor, and Hyundai Motor Co., Ltd. This strategic relationship has
enabled rapid growth in recent years.
In addition to providing financing solutions for imported Hyundai and Kia
products, BHAF works with the Beijing Hyundai Motor Company, Dongfeng
Yueda Kia, and Beijing Automotive Investment Co., Ltd. Current business
includes New Car Retail Loans, Used Car Loans, and Wholesale Financing.
BHAF achieved profitability in 2013 and doubled its capital in 2014. In
2015, BHAF’s financial contract volume increased by more than 50% and
its balance of loans increased by more than 70%; all while maintaining
top-notch risk management. It became certified to ISO27001 (Information
Security Management) and successfully issued its first asset-backed
security (ABS) in early 2016.
2012.06
Location
16th Floor, Guancheng Building,
No.12, Taiyanggong Zhonglu,
Chaoyang District, Beijing, China
(100028)
Hyundai Capital UK Ltd. (HCUK) is a captive finance company which
commenced trading on 2nd July 2012. It is a joint venture among Santander
Consumer UK, Hyundai Capital Services Korea, Kia Motors UK and Hyundai
Motors UK. It operates under two consumer facing brands – Hyundai
Finance and Kia Finance – to provide both retail and wholesale finance to
over 320 Hyundai and Kia franchised dealers in the UK.
2012.02
Location
86 Station Road, Redhill, Surrey
RH1 1SR, United Kingdom
Auto Finance New Car Retail
Loan
Convenient and easy way to purchase new cars, with various kinds of
products for customers
Used Car Loan Faster, easier and more flexible way to purchase used cars
Wholesale
Finance
Provide short-term loan for dealers' vehicle wholesale, ensure their cash
liquidity
PRODUCTS
Auto Finance Personal Contract
Purchase(PCP)
A way for retail customers to fund a new or used vehicle via monthly
payments with a range of flexible options at the end of the agreement
Conditional Sale A way for retail customers to fund a new or used vehicle via monthly
payments with ownership passing once the final payment is made
Wholesale
Finance
Providing the franchised dealer networks of OEM partners with funding
for stock and demonstrators, a vital component in the distribution of new
cars in the UK
PRODUCTS
1514 /

EMERGING
MARKETS
HYUNDAI CAPITAL RUSSIA
2011.05
Location
5th Floor, North Tower Business Center, 10, Testovskaya St., Moscow
123317, Russia
Services
Financial consulting for Hyundai Motor Company and Kia Motors
HYUNDAI CAPITAL BRAZIL
2013.05
Location
Av. das Nações Unidas, 14.171, 24 andar, Torre Crystal, Vila Gertrudes CEP:
04794-000, San Paulo, Brazil
Services
HYUNDAI CAPITAL INDIA
2012.11
Location
5th Floor, Corporate One, Plot 5, Non-Hierarchical Commercial Centre,
Jasolar, New Delhi 110 025, India
Services
HYUNDAI CAPITAL AUSTRALIA
2016.03
Location
Corner of 394 Lane Cove Road & Hyundai Drive Macquarie Park NSW, 2113,
Sydney Australia
Services
Hyundai Capital is swiftly establishing footprints in emerging markets
including Russia, Brazil, and India. There is great potential in these emerging
markets, which suffer from underdeveloped offerings in installment plans.
Starting with financial consulting, Hyundai Capital hopes to rise as a strong
player in installment financing in these regions.
HYUNDAI CAPITAL
EUROPE
Hyundai Capital Europe (HCE) was established in 2010 and is located in
the heart of Frankfurt am Main, Germany. HCE holds two major business
segments under one umbrella. The first segment is an in-house business
consultancy for Hyundai Motor Europe and Kia Motors Europe, including
their subsidiaries across Europe, in regards to all auto finance business
areas. The other segment relates to HCE establishing a captive bank for
both brands of the Hyundai Motor Group (Kia and Hyundai) in various
European markets. The starting point is the German market, where HCE will
provide a full portfolio of auto finance products to both brands and their
respective dealer networks. HCE will utilize the brand names “Kia Finance”
and “Hyundai Finance” to the general public.
Operating from the financial center of Germany, Hyundai Capital has
created a unique working environment in Europe, accommodating more
than 14 different nationalities in one motivated and ambitious team.
Although the company is registered as “Hyundai Capital Services
Deutschland GmbH”, this will be renamed in 2016 to “Hyundai Capital Bank
Europe GmbH”; the title “Hyundai Capital Europe” is currently used as the
official business name.
2010.05
Location
Tower 185 Level 22-24,
Friedrich-Ebert-Anlage 35-
37, 60327 Frankfurt am Main,
Germany
Auto Finance Wholesale
Financing
Providing funding for stock cars and demonstrators (new and used
vehicles) to the dealer network of Hyundai and Kia
Retail Financing Offering a wide portfolio of loan- and leasing-products for new and used
cars to private and commercial customers
Insurance Offering insurance products related to financial products (Payment
Protection Insurance, GAP-insurance) as well as related to vehicles (motor
insurance) to private and commercial customers
Consulting In-house
Consultancy in
Auto Finance
Providing fully-fledged consulting- and advisory-services paired with
tailored automotive financing solutions
PRODUCTS
1716 /

Hyundai Card·Capital·Life·Commercial have stepped
ahead in not only the products, but also in design,
marketing, branding, corporate culture as well as
CSR, and created market trends. In order to do
so, we break down the framework that we have
constructed. Our main businesses, such as credit card,
auto finance, consumer finance, corporate finance,
and others, have been setting new grounds of
finance business. Through the success of CHAPTER2
and Digital Hyundai Card, Hyundai Card is facing a
new growth paradigm. Hyundai Capital is increasing
market dominance by expanding its joint marketing
services for new car purchases. Assets have increased
by 7.3%, reaching KRW 21.8 trillion compared to that
of last year. Hyundai Life, challenging stereotypes in
the insurance industry, is launching new products
through various sales networks and is raising its
market profile. In 2016, we aim to continue this
exciting challenge around the digital theme, and go
beyond finance.
WITH NUMBERS

SEOUL KOREA
2
3
5
4
6
7
8
9
11
12
10
1
1
2
Incheon Office
Hyundai Life
869, Gyeongwon-daero, Nam-gu,
Incheon
Suwon Office
Hyundai Card·Capital·Life
·Commercial 141, Jungbu-daero,
Paldal-gu, Suwon-si, Gyeonggi-do
Wonju Office
Hyundai Life
63, Jungang-ro, Wonju-si,
Gangwon-do
3
1
2
3
Headquarter 1
Hyundai Card·Capital·Commercial
3, Uisadang-daero,
Yeongdeungpo-gu, Seoul
Headquarter 2
3, Gukhoe-daero 66-gil,
Headquarter 3 &
Hyundai Card CARD FACTORY
18, Uisadang-daero,
Hyundai Life Headquarter
Hyundai Life
57, Yeouinaru-ro,
4
8
Hyundai Card DESIGN LIBRARY
Hyundai Card
31-18, Bukchon-ro, Jongno-gu, Seoul
9
Hyundai Card MUSIC LIBRARY &
UNDERSTAGE
Hyundai Card
246, Itaewon-ro, Yongsan-gu, Seoul
11
Vinyl & Plastic by Hyundai Card
Hyundai Card
248, Itaewon-ro, Yonsan-gu, Seoul
Hyundai Card TRAVEL LIBRARY
Hyundai Card
18, Seolleung-ro 152-gil,
Gangnam-gu, Seoul
10
Storage by Hyundai Card
Hyundai Card
248, Itaewon-ro, Yonsan-gu, Seoul
12
7
8
Gwangju Office
Hyundai Card·Capital·Life·Commercial
80, Sicheong-ro, Seo-gu, Gwangju
Ulsan Office
178, Samsan-ro, Nam-gu, Ulsan
Busan Office
155-1, Bujeon-dong, Busanjin-gu,
Busan
9
7
Daebang Office
24, Boramae-ro 5ga-gil,
Dongjak-gu, Seoul
5 Yeongdeungpo Office
188, Yeongdeungpo-ro,
Hongik Office
161, Yanghwa-ro, Mapo-gu, Seoul
6
5
6
Daejeon Office
55, Dunsan-ro, Seo-gu, Daejeon
Daegu Office
298, Jungang-daero, Jung-gu,
Daegu
Hyundai Capital Castle of
Skywalkers
Hyundai Capital
45-1, Seogyang-gil, Jiksan-eup,
Seobuk-gu, Cheonan-si
4
2
1
4
3
6
7
8
9
5
2120 /

2322 /
2,415
Unit: Billions of KRW
Operating Revenue
Operating Income
Net Income
Assets
Shareholders' Equity
2015
26,529
2,415
1,868
133,514
24,940
2012
25,256
2,372
1,943
112,523
21,923
2013
25,275
2,199
1,632
115,209
23,661
2014
26,180
3,000
2,235
123,974
25,554
2011
24,083
3,242
2,386
108,519
19,967
Financial Highlights
133,514
FINANCIAL HIGHLIGHTS
2015 Operating Income
2015 Assets
With its top-level asset soundness and membership
loyalty, Hyundai Card maintains its high brand
awareness and provides colorful lifestyle experiences
to its customers. Hyundai Card’s profits in 2015
faltered slightly compared to those of the previous
year, but its customer portfolio is improving. There
have been developments in the Digital Hyundai Card,
such as Lock & Limit, virtual card numbers, PayShot
and more, displaying Hyundai Card’s distinguished
service.
Unit: KRW
Assets
Cash and bank deposits
Securities
Card assets
Property and equipment
Other assets
Liabilities
Borrowings
Other liabilities
Shareholders' equity
Share capital
Capital surplus
Accumulated other comprehensive
income
Retained earnings
2014 (20th)
12,397,419,657,449
200,725,306,564
740,771,202,540
10,549,896,972,421
356,430,315,397
549,595,860,527
9,842,038,831,605
7,930,126,733,953
1,911,912,097,652
2,555,380,825,844
802,326,430,000
57,704,443,955
(40,118,183,826)
1,735,468,135,715
2015 (21th)
13,351,438,223,400
538,767,020,609
461,695,184,011
11,406,586,971,982
350,603,820,945
593,785,225,853
10,857,406,115,275
9,117,883,918,633
1,739,522,196,642
2,494,032,108,125
802,326,430,000
57,704,443,955
-38,384,103,955
1,672,385,338,125
Consolidated Statements of Financial Position
Unit: KRW
Operating revenue
Operating expenses
Operating income
Non-operating income
Non-operating expenses
Income before income tax
Income tax expense
Net income
Other comprehensive income
Total comprehensive income
2014 (20th)
2,617,995,016,536
2,317,971,838,258
300,023,178,278
1,933,117,814
1,596,198,671
300,360,097,421
76,846,076,646
223,514,020,775
(34,261,450,264)
189,252,570,511
2015 (21th)
2,652,891,366,256
2,411,396,594,951
241,494,771,305
1,879,606,150
2,854,400,576
240,519,976,879
53,758,324,167
186,761,652,712
1,734,079,871
188,495,732,583
Consolidated Statements of Comprehensive Income

2524 /
PRODUCTS
Ted Chung
CEO
Sukjoon Won
Director
Jonghoon Won
Non-standing Director
Chunsoo Han
Denis Hall
Outside Director
Ryan Zanin
Outside Director
Junghan Koo
Outside Director
Jaeyoun Lee
Outside Director
| Audit Committee Member
Seonghoon Jeon
Outside Director
Jeeman Jung
Outside Director
Ted Chung
CEO | Vice Chairman
Yoono Hwang
Head of Corporate Service
Division | Executive Vice
President
Byungdoo Kim
Head of Finance Division
| Executive Vice President
Sukjoon Won
Head of Card Business
Division | Senior Vice
President
Jungin Kim
Head of Strategic Planning
President
Sanghyun Woo
Head of Business Legal
Dept. | Senior Vice President
Sungwon Jin
Head of Operation Division
| Vice President
Meeyoung Lee
Head of Brand Division
| Vice President
Hyunjoo Kim
Head of Risk Division
| Vice President
Gunwoo Kim
Deputy Head of Corporate
Service Division(IT)
| Vice President
Jaewon Lee
Deputy Head of Strategic
Planning Division & Head of
Business Innovation Dept.
| Vise President
Byeongku Jeon
Service Division(Finance)
| Vice President
Kihwa Jang
Deputy Head of Card
Business Division | Director
Jooyun Lee
Planning Division(Digital)
| Director
Yoonseok Lee
Head of HR Dept.
| Vice President
Sungmoon Kim
Head of Audit Dept.
| Vice President
Sungchul Kim
Head of Brand Dept. 1
| Vice President
Sungweon Choi
Dept. | Vice President
Jongyoon Kim
Head of Digital Business
Dept. | Director
Jinbong Han
Head of Operation Planning
Dept. | Director
Byungsik Jang
Head of Card Finance Dept.
| Director
Deokhwan Kim
Head of Financial Business
Development Dept.
| Director
Hwanjun Yang
Head of IT Innovation Dept.
| Director
Hyunwoong Park
Head of Corporate Finance
Risk Management Dept.
| Director
Jungwon Lee
Head of UX&Design Lab
Dept. | Director
Samwook Moon
Head of Product Marketing
Dept. | Director
Eric Jun
Head of Information
Security Dept. | Director
Kunbai Hong
Head of Corporate
Management Dept.
| Director
Moonjoo Do
Dept. | Director
Youngil Jeon
Head of Card Sales Dept.
| Director
Changhyun Cho
Head of CLM Dept. | Director
Soojung Park
Head of Digital Development
Dept. | Director
Minsik Park
Head of Digital Planning
Dept. | Director
David Stippich
Finance Representive
| Director
Byeongseo Chae
Deputy Head of Business
Legal Dept. | Director
Junkeun Lee
Deputy Head of Audit Dept.
| Director
DIRECTORS EXECUTIVES
DIRECTORS & EXECUTIVES
Premium Card the Black
the Purple
the Red
Invitation Only
Made for Success
The Hottest Premium
Point Card M·M2·M3 Edition2
T3 Edition2
M CHECK
M HYBRID
Mighty point card
Travel and mileage card
Check card with which you can accumulate M points
Hybrid card with which you can accumulate M points
Discount Card X·X2·X3 Edition2
ZERO
Discount card that gives you more reward, the more you
swipe it
Discount card with no preconditions
Cash Back Card X CHECK
X HYBRID
Check card with which you can accumulate X cash back
Hybrid card with which you can accumulate X cash back
Business Operation
Card
MY BUSINESS Financial service for private business owners
Corporate Card MY COMPANY Corporate solution that offers more than a corporate card

2726 /
2015 has been the most active year for Hyundai
Capital: Breakthroughs in global business, beefing up
auto finance market dominance and the successful
development of private lease model. Operating profits
increased by 5.3% compared to the previous year,
reaching KRW 339.1 billion, while net profits for the
same year increased by 16.4%, reaching KRW 276.7
billion. Having secured unequaled status in consumer
finance such as auto and credit loans, Hyundai Capital
is expanding its presence to corporate finance sector.
We aim to expand supplementary rental services
beyond the auto sector for the next-generation
growth.
3,391
Operating Revenue
Operating Income
Net Income
Assets
2014
30,118
3,219
2,377
225,387
34,376
2012
35,417
5,947
4,367
219,073
30,398
2013
32,164
4,291
3,914
223,890
32,530
2011
33,284
6,607
5,074
219,189
26,565
243,076
2015 Assets
2015
29,391
3,391
2,767
243,076
34,949
Unit: KRW
Operating revenue
Operating expenses
Operating income
Income tax expense
Net income
2014 (22th)
3,011,804,014,024
2,689,932,991,688
321,871,022,336
41,042,209,014
31,929,322,152
330,983,909,198
93,278,626,824
237,705,282,374
-53,022,272,744
184,683,009,630
2015 (23th)
2,939,138,244,253
2,600,049,039,192
339,089,205,061
37,198,649,260
4,450,222,789
371,837,631,532
95,123,686,927
276,713,944,605
19,458,765,158
296,172,709,763
Unit: KRW
Assets
Securities
Loans receivable
Installment financial assets
Lease receivables
Leased assets
Non-current assets held for sale
Other assets
Liabilities
Borrowings
Other Liabilities
Share capital
Capital surplus
Accumulated other comprehensive income
Retained earnings
2014 (22th)
22,538,707,615,399
1,594,736,030,423
272,563,644,048
9,584,209,130,099
6,502,794,012,989
2,685,208,438,340
1,189,753,784,306
248,322,131,812
461,120,443,382
19,101,141,266,816
17,461,729,956,803
1,639,411,310,013
3,437,566,348,583
496,537,175,000
407,539,066,885
-64,595,355,009
2,598,085,461,707
-
2015 (23th)
24,307,583,338,462
1,624,064,678,705
320,999,273,589
8,492,109,984,384
8,861,006,460,585
2,630,653,267,646
1,466,754,759,062
253,213,116,458
658,781,798,033
20,812,697,208,411
19,401,429,898,902
1,411,267,309,509
3,494,886,130,051
496,537,175,000
407,539,066,885
-45,266,968,152
2,629,078,636,151
6,998,220,167

2928 /
PRODUCTS
Ted Chung
CEO
Yoono Hwang
Director
Jonghoon Won
Byungchul Choi
Gergely Zaborszky
Outside Director
Duncan Berry
Outside Director
Sangmin Shin
Outside Director
Sungbin Chun
Outside Director
Sooyoung Kwon
Outside Director
Hongbum Kim
Outside Director
Ted Chung
CEO | Vice Chairman

Yoono Hwang
President
Byungdoo Kim
Head of Finance Division
| Executive Vice President
Byeonghee Kim
Commercial Finance
General Executive | Senior
Vice President
Jungin Kim
President
Sanghyun Woo
Commercial Finance
Representative | Senior
Vice President
Sungwon Jin
Head of Operation Division
| Vice President
Meeyoung Lee
Head of Brand Division
| Vice President
Hyunjoo Kim
Head of Risk Division
| Vice President
Byunghui Lee
Head of Auto Business
Division | Vice President
Sanmin Koh
Head of Global Business
Gunwoo Kim
Service Division(IT)
| Vice President
Jaewon Lee
Planning Division
| Vice President
Byeongku Jeon
Service Division(Finance)
| Vice President
Paul Skiadas
Deputy Head of Global
Business Division | Director
Jooyun Lee
Planning Division(Digital)
| Director
Yoonseok Lee
Head of HR Dept. | Vice
President
Sungmoon Kim
Head of Audit Dept.
| Vice President
Sungchul Kim
Head of Brand Dept. 1
| Vice President
Kyochang Lee
Head of BHAF
| Vice President
Sungweon Choi
Hyunseok Shin
Head of Volleyball Support
Dept.
Waller Blackwell
Head of Global Risk Dept.
| Director
Jinbong Han
Head of Operation Planning
Dept. | Director
Seokhwan Kim
Head of Financial Business
Development Dept.
| Director
Hwanjun Yang
| Director
Sungwook Kwon
Head of Capital Finance
Dept. | Director
Mieun Kim
Head of Global HR Dept.
| Director
Seungheon Baek
Head of Commercial Finance
Dept. | Director
Soyoung Lee
Head of Capital Risk
Management Dept.
| Director
Hyunwoong Park
Risk Management Dept.
| Director
Chiwhan Yoon
Head of Global Strategy &
Marketing Dept. | Director
Jungwon Lee
Head of UX&Design Lab
| Director
Eric Jun
Head of Information
Seokbin Ko
Dealer Service Division(HCA)
| Director
Sungjoon Kim
Head of Used Car Business
Dept. | Director
Kunbai Hong
Head of Corporate
Management Dept.
| Director
Moonjoo Do
Dept. | Director
Kyoungwon Woo
Risk Division(BHAF)
| Director
Donglim Shin
Head of Global Finance
Dept. | Director
Huntae Kim
Head of HCR | Director
Soojung Park
Head of Digital
Development Dept.
| Director
Minsik Park
Head of Digital Planning
Dept. | Director
Kijeong Cheon
Head of Western Seoul
Regional HQ | Director
David Stippich
Finance Representive
| Director
Byeongseo Chae
Junkeun Lee
| Director
Amit Garg
Deputy Head of Global Risk
Dept. | Director
Auto Finance New Car Installments Loan
Used Car Loan
Direct Used Car Loan
Lease·Rent Car
Convenient and easy way to purchase new car
Most inexpensive way to purchase used car
Discounted interest rate for purchase of used car
Less burdensome car purchase and easier maintenance
Private Finance Credit Loan
Car Secured Loan
Housing Mortgage Loan
Loan for Lease
u-Bogeumjari Loan of Korea
Housing Finance Corporation(KHFC)
Easy and fast credit loan without complex procedures
Owner-driver exclusive loan given preference over credit
loan
Fast mortgage loan with high credit line of up to 85% of
market value
Lease fund utilizing up to 80% of deposit
Housing mortgage loan with long-term fixed interest rate
designed by KHFC
Corporate Finance Corporate Loan
Corporate Lease
Customized financing to assist company investment and
growth
Customized facilities lease according to company scale and
specialty

3130 /
-455
71,051
2015 Assets
Operating Revenue
Operating Income
Net Income
Assets
2015
15,267
-455
-484
71,051
3,556
2014
10,619
-721
-869
48,340
1,922
2012
9,997
-403
-320
39,133
2,557
2013
7,262
-397
-315
41,113
1,694
2011
11,501
53
45
34,382
1,660
In 2015, Hyundai Life focused on developing the
basic strengths necessary for growth. Operating
income increased by a large margin thanks to the
diverse sales routes and consolidation of product
competitiveness, with total assets increasing
from KRW 4.8 trillion to KRW 7.1 trillion. Various
other indicators have marked improvements, and
we anticipate progress in overall performances.
Alongside Hyundai Life’s signature product, the Zero
Series, products such as Western·Oriental medicine
health insurance – the first in the field – and Variable
Universal Whole Life Insurance – our first joint work
with Fubon Life Insurance – have contributed to our
portfolio diversification.
Unit: KRW
Assets
Cash and cashable assets
Financial assets at fair value
through profit or loss
Available-for-sale financial assets
Held-to-maturity financial assets
Loans and other receivables
Derivative assets for hedge funds
Intangible assets
Investment assets
Current tax assets
Unamortized acquisition costs
Other assets
Separate account assets
Non-current assets as held for sale
Liabilities
Insurance contract liabilities
Policy equity adjustment
Financial liabilities at fair value
through profit or loss
Borrowings
Other financial liabilities
Liabilities of derivative securities for
hedging purposes
Provisions
Defined benefit liability
Other Liabilities
Separate account liabilities
Share capital
Capital surplus
income
Retained earnings (Accumulated
deficit)
2014 (12th)
4,833,970,619,267
342,843,324,671
32,707,466,625
287,558,503,931
1,041,945,002,597
2,443,262,542,334
-
30,695,369,726
34,140,413,463
249,882,894,546
6,615,567,067
121,946,052,410
8,603,775,314
233,769,706,583
-
4,641,802,746,982
3,964,812,913,861
4,892,523,134
829,940,000
164,743,772,212
42,453,056,976
1,396,007,234
2,601,088,839
16,912,965,023
26,138,608,143
417,021,871,560
192,167,872,285
195,558,010,000
146,745,585,094
-11,401,619,923
-138,734,102,886
2015 (13th)
7,105,134,707,514
1,284,554,162,985
-
245,933,965,276
1,340,079,499,953
3,118,684,449,258
1,375,953,958
26,853,582,602
28,327,008,691
212,787,666,030
5,925,335,240
142,223,715,088
8,357,229,046
651,198,658,479
38,833,480,908
6,749,521,692,358
4,662,725,116,219
4,332,045,643
-
187,739,866,869
56,811,348,804
1,489,840,221
3,947,800,237
20,172,012,101
29,629,556,126
1,782,674,106,138
355,613,015,156
380,603,010,000
174,582,481,559
-12,372,900,957
-187,199,575,446
Unit: KRW
Operating revenue
Operating expenses
Operating income
Income tax expense
Net income
2014 (12th)
1,061,856,522,588
1,133,909,456,228
-72,052,933,640
586,384,780
4,799,310,192
-76,265,859,052
10,653,793,523
-86,919,652,575
10,020,143,173
-76,899,509,402
2015 (13th)
1,526,691,822,417
1,572,145,243,911
-45,453,421,494
374,283,794
3,386,334,860
-48,465,472,560
-
-48,465,472,560
-971,281,034
-49,436,753,594

3332 /
Insurance
for ‘Me’
Hyundai Life ZERO Cancer
Hyundai Life ZERO Adult
Disease
Hyundai Life ZERO Accident
Hyundai Life ZERO Facial
Health
Hyundai Life ZERO
Western·Oriental Care
Medical expenses for both diagnosis and treatment of cancer
Medical expenses for both diagnosis and treatment of adult diseases
found in the five key organs
Medical expense for treating injury and rehabilitation from disabilities
Medical expense for dental care and treatment of facial illness &
disabilities
First-of-its kind in protecting both western and oriental care
Insurance
for my family
Hyundai Life Whole Life
Hyundai Life Whole Life -
Advance Pay Type
Hyundai Life Whole Life
Insurance-Livelihood Cost Type
Hyundai Life Variable Universal
Whole Life
Hyundai Life Term Insurance
Hyundai Life VIP Term
Insurance
Hyundai Life Children’s
Insurance
Protection for families in the event of death of the insured
Protection for families in the event of death of the insured and up to
five cases of severe illness of the insured
Protection for death of the insured and 50% of the premium paid in
advance over 10 years of time as livelihood cost
Protection for families in the event of death of the insured, and
financial planning service
Death benefit provided for the defined term
Specialized product for VIP customers looking for stable and liquid
assets
Comprehensive health insurance covering costs for diagnosis of various
diseases and hospital stay of children
Insurance
for old age
Hyundai Life Annuity Insurance
Hyundai Life Annuity - Cancer
Protection
Hyundai Life Annuity - Annuity
Savings
Hyundai Life Savings
Monthly living expenses
Monthly living expenses as well as additional fund amounting up to
300% of basic pension in the event that the insured is diagnosed with
cancer after his retirement
Tax benefit and stable fund for old-age life
Compound interest rate and tax breaks make it easy for the
policyholder to earn a large sum of money
Financial
Products
Insurance Policy Loan
Credit Loan
Housing Mortgage Loan
Policyholders can apply for loan with a simple phone call or online
subscription without additional securities
HLI policy loan customers can apply for extra loan with a simple phone
call or online subscription
Mortgage advisors can visit their customers interested in the housing
mortgage loan on the fixed interest rate for easy application
Retirement
Pension
Capital/Interest Protected
Product
Dividend Payment Product
Principal and interest are defined based on nominal interest rate
predetermined by the company at the time the contract is signed
Subscriber’s saving is invested in both domestic and overseas
marketable securities, and the return varies as it is linked to
management performance
PRODUCTS
Ted Chung
Chairman
Juhyuk Lee
CEO
Yeonwoong Baek
Director
Chen Chun Pan
Hsu Yun Ching
Robert John Wylie
Outside Director
Chang Kuo Chun
Outside Director
Chen Che Hung
Outside Director
Sukwoo Hong
Outside Director
Taesik Ahn
Outside Director
Sungdo Joo
Outside Director
Juhyuk Lee
CEO | Executive Vice
President
Lin Bole Song
Head of Asset Management
Yeonwoong Baek
Taejin Kang
Head of Sales Division
| Vice President
Jongwoo Kim
Deputy Head of Asset
Management Division
| Vice President
Kilho Jun
Head of Corporate Sales
Myongsu Lee
Head of Corporate
Management Dept.
| Director
Changgeun Yang
Head of IT Dept.
| Director
Sungwoo Lee
Head of Sales Dept.
| Director
Ducksang Choi
Head of Alliance Business
Dept. | Director
Bonghwan Gong
Dept. | Director
Kiwook Hwang
Head of Seobu Regional
Headquarter | Director
Lin Miao Ling
Management Dept.
| Director
Lin Suh Shya
Deputy Head of Risk
Management Dept.
| Director

3534 /
767
53,137
2015 Assets
Operating Revenue
Operating Income
Net Income
Assets
2014
3,508
645
247
47,789
4,947
2012
3,467
828
436
39,237
3,381
2013
3,462
759
366
41,547
3,544
2011
3,240
882
738
34,667
3,494
2015
3,691
767
535
53,137
5,881
Despite intensifying competition in 2015, Hyundai
Commercial has achieved stable growth through
differentiated channel strategies and continuous
product development. Due to the expansion of high-
return assets such as lease profits and the volume
of business, profits have escalated by 18.9%, from
KRW 64.5 billion in 2014 to KRW 76.7 billion. Asset
portfolios are also changing following business
diversification strategies. While the portion of auto
finance has decreased, business finance is marking
an increase. We are creating a meaningful change in
both numerical and quality aspects.
Unit: KRW
Assets
Securities
Loans receivable
Installment financial assets
Lease receivable
Lease assets
Other assets
Liabilities
Borrowings
Other liabilities
Shareholders’ equity
Share capital
Capital surplus
Capital surplus
Capital adjustment
income(loss)
Retained earnings
2014 (8th)
4,778,906,940,706
232,802,098,679
371,562,093,994
3,505,579,934,410
297,359,029,803
303,949,798,783
-
5,617,989,884
62,035,995,153
4,284,157,743,941
4,115,248,726,797
168,909,017,144
494,749,196,765
125,000,000,000
74,608,059,537
119,644,480,000
-2,397,101,756
5,073,817,946
172,819,941,038
2015 (9th)
5,313,717,280,029
179,675,460,908
515,504,674,371
3,788,076,352,314
314,435,334,857
435,227,332,504
3,689,493,334
9,138,353,781
67,970,277,960
4,725,592,690,659
4,552,530,866,739
173,061,823,920
588,124,589,370
125,000,000,000
74,608,059,537
199,427,460,000
-2,397,101,756
-169,029,786
191,655,201,375
Unit: KRW
Operating revenue
Operating expenses
Operating income
Income tax expense
Net income
2014 (8th)
350,831,193,242
286,333,357,458
64,497,835,784
13,550,578,714
36,035,432,080
42,012,982,418
17,301,625,045
24,711,357,373
19,521,244,901
44,232,602,274
2015 (9th)
369,057,425,391
292,370,620,508
76,686,804,883
13,180,355,111
18,222,757,477
71,644,402,517
18,096,509,939
53,547,892,578
-5,242,847,732
48,305,044,846

3736 /
PRODUCTS DIRECTORS & EXECUTIVES
Ted Chung
CEO
Byeonghee Kim
Director
Byunchul Choi
Jungho Kang
Outside Director
Suksig Lim
Outside Director
Byungil Kim
Outside Director
Kyumin Lee
Outside Director
Ted Chung
CEO | Vice Chairman
Yoono Hwang
President
Kim Byeonghee
General Executive Director
| Senior Vice President
Jungin Kim
President
Sanghyun Woo
Head of Business Legal
Dept. | Senior Vice
President
Hyunjoo Kim
Head of Risk Division | Vice
President
Jaewon Lee
Planning Division | Vice
President
Yoonseok Lee
Head of HR Dept. | Vice
President
Sungmoon Kim
Head of Audit Dept. | Vice
President
Hwanjun Yang
| Director
Jaewook Park
Dept. | Director
Jonghong Goo
Head of Industrial Finance
Dept. | Director
Hyunwoong Park
Risk Management Dept. |
Director
Jungwon Lee
Head of UX&Design Lab |
Director
Eric Jun
Head of Information
Moonjoo Do
Dept. | Director
Byeongseo Chae
Junkeun Lee
| Director
Commercial Vehicles
and Construction
Machinery Finance
New Industrial Material
Installment
Industrial Material Lease
Used Industrial Material Loan
Designing available for the optimum in purchase of commercial
vehicles and construction machinery
Economic lease newly introduced for commercial vehicles
Most trustworthy loan for procuring used commercial vehicles
and construction machinery
Machine Tools Finance Machine Tools Installment
Equipment Lease
Customized installment designed to suit equipment
investment cases
Able to choose between various lease options to suit individual
needs
Direct Used Industrial
Material Finance
Direct Used Industrial Material
Purchasing Fund
Mortgage Loan
Additional Loan
Direct used industrial material loan offering discounted
interest rate for applications online or via phone
Easy and fast direct industrial material mortgage loan utilizing
commercial vehicles and construction machinery
Easiest direct industrial material additional loan utilizing used
cars
Corporate Finance Corporate Loans
Lease Finance
Real Estate Finance
Factoring
Trustworthy funding for company growth and success
From purchasing funds for machinery to funding through
machinery mortgage
Trustworthy investment funding for successful real estate
business
Customized finance solution on demand with risk management
methods added to existing finance product
Joint Growth SME Joint Growth Program Customized loan providing full support for growth of
cooperative firms

4140 /
07.23 / 2015
DATEMEDIA
McKinsey Quarterly
Managing during crisis
Nobody wants a crisis. But, actually, the beauty of crisis, if you
have to experience it, is that it speeds everything up and makes
anything possible. When I joined, in 2003, the company was
just two years old, and the crisis was coming because our whole
industry had grown too fast and extended too many credit lines to
low-quality customers. Nobody loved this company. We were just
another commodity product.
So after securing 40 percent market share in new-member
acquisitions for the first two years, the previous executives may have
thought we were the champions. But shortly after I arrived, when I
did the math, I thought at first I had made some mistake. But I ran
the numbers again, and they were correct: we were set to lose $1.5
billion to $2 billion within 12 months.
I brought my blanket to the office and I slept there overnight
ten times, thinking about my next step. My biggest move was that
I decided not to make any cuts. Instead, I decided to spend more
money to try to dramatically reposition the company and put it on
a different, more profitable growth path. If I were losing $20 million
or even $200 million, I would cut everything. But when you lose $2
billion, that’s different.
The key question, I realized, was that we needed to figure out
what kind of credit-card company we wanted to be. After all, Amex,
Citibank, Discover, may all be credit cards, but they are not in the
same industry at all. My instinct, without any experience in the
business, was that we needed to be a lifestyle credit-card company,
more like Amex—one with a unique identity and the strongest
brand loyalty. And that required a new business model.
So the next part of my plan was to increase everybody’s salary by
10 percent. Because when a company has a crisis, employees start to
think, “OK, I need to update my resume.” If you want to overcome
your crisis, then you need to retain your key employees. Once you
lose your people, that’s it.
I also changed more than half of my executive team because
some of them tried to tell me, “This is how to run a credit-card
business.” When people say things like “This is the way to run a
business. There’s no other way,” then that’s a problem. I called a
few headhunting companies and said to them, “I want every smart
brain on the street. I don’t care whether they have a credit-card
background or not.”
A few months later, we invested in a $50 million campaign to
launch our new credit card. We had the only credit-card advertising
at that point in Korea. Many people said I was crazy. But my
response was, “No. I’m spending maybe $100 million more, overall.
What’s the difference between $2 billion and $2.1 billion, when you
die?”
When you have a crisis, you need two plans: how to get out
of it and what you plan to do after the crisis. Some people spend
too much time only on the crisis. After coming out of the crisis, we
were the only ones standing. When we launched our flagship card,
M Card, we acquired so many new members that every month
our market share grew 0.5 percent. So I developed a bad habit.
Whenever I’m in trouble, I hope for another crisis!
Delivering ‘science in a Tiffany box’
Many engineers and many people will say that “we have the best
product, but the marketplace does not understand that.” And they
get really frustrated. Sometimes they even say it’s unfair. But I don’t
think so. Because they are missing one important step: translation.
Every good product should be translated into a good brand. So how
do you translate your best product into the marketplace? I call that
skill “delivering science in a Tiffany box.”
You have to have a good product. But that alone is not enough.
Good quality and good engineering must be translated if it is to
have any value in the marketplace at all. You have to make yourself
distinctive—and then keep that distinction. That’s the challenge we
face every day.
What Bauhaus teaches about corporate
identity
People talk about seeing around corners. But if you only talk
to the same people—in finance or business—you can’t see around
corners. You just keep meeting everyone at the same corner. So
I have two jobs. I spend maybe 8:00 AM to 6:00 PM every day
working in a business environment. But at night, I try to see
different people: restaurant owners, artists, fashion designers,
scholars—who all have no idea about my business.
To help me and my team see other perspectives, we also organize
“Insight Trips,” where we go to different places around the world
and line up interesting conversation partners to have discussions.
We hear someone talk about how to run a university and balance
raising donations with scholarship. Or a French business executive
may tell us about how they wrestle with being the most efficient
company, while still running a luxury company. All this tests and
challenges us to go back and translate those experiences into our
company.
One of my insights is that design can be a huge weapon to
make your company look cool and build brand loyalty. For us, the
Bauhaus movement, on which we sponsored a big exhibition in
New York at the Museum of Modern Art, is our benchmark for how
to think about the role of design in expressing corporate identity,
who you really are. Bauhaus started as framed art and then extended
to apply design to architecture—all kinds of ordinary objects—and
became almost a way of life. The lesson we drew is that design has to
be three dimensional and really express who you are.
An important element of translation is visual impact. We are
now living in an overflowing information age. And when you have
millions and millions of pieces of information coming at you, visual
design is a very powerful tool to stop you and catch your eye. It’s a
powerful way to talk to you.
What’s the real lesson we have to get from Bauhaus? This is not
just about making a nice-looking TV ad, which uses a small frame
to communicate with the marketplace. If you apply the lessons of
the Bauhaus movement, everything should be the frame. Everything
should be the way you communicate. For us, we even have tourists
in to visit our company. That’s another very popular tool to express
ourselves. We run a design library and other kinds of space. It’s all
part of expression. It’s not only what you are talking about but also
the way you are and the gestures you have. And the whole thing
makes one image. So we expanded to all the channels in the media
so that everything makes one image. After our Bauhaus experience,
we adopted a slogan: “The age of advertising is over; the age of
expression is coming.”
To illustrate that, consider something as basic as the layout
of the best room for a meeting. Many people can have their own
definition for the best meeting room. But I always want the meeting
to be in a space like the kitchen in my house. I don’t know why,
maybe because my son talks to me best over the kitchen table. So
the elements of the decor should be small, not too big. And then
everybody should be able to walk around and make his own or
her own coffee or drink, be able to move up and down and write
something on the wall—so you can see white walls everywhere. And
then, you know, the table should be narrow enough. I don’t really
want to sit . . . apart. You know?
Changing the rules of the game
A few years ago, we launched a diagnostic project called “Day
One,” where we imagined we were taken over by a private-equity
firm and therefore had to challenge on day one everything that
Ted and his team had done. Believe me, we discovered a lot of
mistakes. But we faced them and fixed them. Return on equity
and profitability have jumped since. Now, I happen to think it’s
probably good to change the CEO every ten years, but since I don’t
want to step down yet, I hope that by doing this I have created some
additional job security for myself.
Even before we launched Day One, we had changed a lot of
things over the years, but always in a line with what we have done in
the past. But sometimes, you have to cut the line, throw the line out,
and then jump up and create huge blank room—room enough to
talk about and make very big things, big changes.
To me, innovation is a promise with my partners, the senior-
executive team. Some people have worked for this company for ten
years or more. And ten years ago, when this company was in trouble,
we said that we would change the rules of the game in this industry.
Even now, we keep talking about the new rules of the game, new
possibilities for the industry. That’s why whenever we see a sleepy
industry, we are so happy.
We don’t want to be most the profitable company. We don’t
want to be the largest one. At the end of the day, the question we ask
is: what was the impact we left behind and what kind of meaning
did we have over those ten years. I think that’s also important to
keep us together here.
Hyundai Card on the power of brand translation
and the beauty of crisis
Long after CEO Ted Chung brought the credit-card company back from a crisis, he continues to embrace the idea
that constant change is the best way to keep a company ready for anything.
Just a few years after Hyundai Card was established, Ted Chung joined the company as CEO only to find that the business
was in big trouble. With the credit-card company poised to lose millions, Chung took the unusual steps of boosting employee
salaries and increasing spending, including for a new $50 million advertising campaign. It paid off. He has since honed a
strongly held view on the power of design to keep his brand distinctive—one that ranges from such unusual innovations as
sponsoring tourist visits to his ultramodern headquarters and the new, automated credit-card “factory” to developing the
company’s own unique font. In this interview with McKinsey’s Rik Kirkland, Chung, who was recently named vice chairman of
Hyundai Card and Hyundai Capital, explains how crisis helped define his leadership and why he sees continually challenging
the status quo as the surest way to stay on top. An extended and edited transcript of Chung’s remarks follows.
This article was originally published by McKinsey & Company, www.mckinsey.com.
Copyright (c) 2015 All rights reserved. Reprinted by permission.
About the authors
Ted Chung is vice chairman and CEO of Hyundai Card and Hyundai Capital.
Rik Kirkland is the senior managing editor of McKinsey Publishing, based in
McKinsey’s New York office.
Interview transcript

4342 /
The Economist
MEDIA
11.28 / 2015
DATE
Loosening their ties
Corporate culture in South Korea
SEOUL
A punishing work culture is gradually being relaxed
FINANCIAL TIMES
MEDIA
10.16 / 2015
DATE
Start-up fate awaits South Korea’s middle-aged salarymen
Older workers are offered
funding to pursue fresh careers,
yet many ventures fail
Cooking up a new
career: former
Hyundai employee
Kim Hyeong-keon
has opened an
Italian restaurant
Landing a job at one of the mighty chaebol
business groups is the ambition of many
South Koreans, but in most cases the role
does not last past middle age.
The country’s leading companies typically
have mandatory retirement ages in the mid-
fifties. Most workers leave several years before
that, often shamed into quitting by fears of
having become a burden, earning more than
younger workers waiting to rise up the ranks.
Many are not covered by company pen-
sions and must wait until at least 60 before
receiving a state pension, forcing them to
start a new career that normally means a
sharp drop in income.
Kim Hyeong-keon, however, cuts a con-
spicuously jaunty figure in his chef ’s uniform,
a year after leaving his sales job at Hyundai
Card, an affiliate of the carmaker. “I didn’t
want to stay with the company until my en-
ergy ran out,” the 44-year-old says, at a table
in the Italian restaurant he recently opened in
Seoul’s fashionable Hapjeong district.
Mr Kim’s optimism is helped by unusual
support from his former employer — Hyun-
dai Card allowed him to spend six months on
full pay planning his business. It sent him on
trips to learn about the food scene in Hong
Kong and Japan; chefs from its in-house
restaurant helped him prepare his menu, the
company’s designers helped with decoration,
and its consumer finance affiliate gave him a
low-interest loan.
Hyundai Card’s “CEO Plan”, launched
last year, offers such services out of a sense of
responsibility to longstanding employees, and
the gesture of commitment has already boost-
ed staff morale, says Koo Jung-eun, one of the
scheme’s managers. Yet only six employees
have signed up, and the office for participants
was eerily empty on a recent visit.
Such hesitation to plunge into the start-
up scene is warranted, says Cho Dal-ho, a re-
searcher at the Seoul Institute. The restaurant
and small shop sectors targeted by most of
the CEO Plan participants so far are already
saturated with people in their forties and fif-
ties seeking a fresh start, most of whom fail in
the first few years, he says.
The government is seeking to address such
concerns by funding training for older work-
ers who want to start technology businesses.
“I might be old but I want to learn — that’s
how you get opportunities,” says Lee Chang-
gyu, 53, who is undertaking 105 hours of
subsidised evening classes in 3D printing.
But most retirees from big companies
would rather remain employees given the
chance, says Kim Dong-jun at the Federation
of Korean Industries, the main chaebol lobby
group. Mr Kim runs the FKI’s jobcentre for
retirees, which finds jobs for about 2,000 old-
er workers each year, from teaching to truck
driving. Yet these new jobs pay only about
Won30m ($26,000) a year — less than half
the average of Won74m that the jobcentre’s
applicants earned before.
Hope for older workers will come on
January 1, when a new law will require large
companies to raise the retirement age to at
least 60. But sceptics question how many
workers will last the course: while the average
mandatory retirement age at big companies
in 2013 was 57, the actual retirement age was
53.
Son Seong-gon, a chaebol employee
turned business consultant and author, says
this reflects systematic efforts to clear out
unwanted older workers.
Initial gambits might include an appeal
for the worker to consider the company’s
“difficulties”, he says. Next, stubborn staff
may find their record raked over in search of
pretexts for dismissal. As a last resort, Mr Son
says, some companies humiliate employees
into leaving by assigning them meaningless
tasks such as going around town photograph-
ing the corporate logo.
“Most of them can’t take it and leave in
the end. And the company can replace them
with younger workers who work late hours
for lower salaries.”
Additional reporting by Kang Buseong
By Simon Mundy

4544 /
Pricing
Interest from environmentally conscious
investors helped HCS differentiate from
Korean peers, who have recently been heavily
relying on onshore investors.
HCS attracted robust investor interest,
rivaling Aa2/AA-/AA- rated quasi-sovereign
Export-Import Bank of Korea's (Kexim)
US$1.1bn order book last month.
HCS received over US$1.2bn in orders and
managed to allocate 34% to the US and 19%
to EMEA. The ex-Asia takeup was slightly
larger than Kexim's Green bond, which
allocated 52% to Europe and the US.
Initial guidance on HCS's deal was
announced at around T+165bp, and final
guidance was announced at 150bp. The new
issue concession was estimated at around
4bp over the company's 2.625% 2020s which
were spotted at around G+146bp.
Fund managers were the biggest buyers
at 45% followed by banks at 18% and
corporates at 15%. Private banks and others
took 13% and the remaining 9% went to
pension funds and insurers.
The 144A/Reg S bonds are expected to be
rated Baa1/A- (Moody's/S&P)
Bank of America Merrill Lynch was the
green structuring agent. It also served as
joint bookrunner with Citigroup and Credit
Agricole.
BONDS : Hyundai taps Green
bonds to fuel hybrid ambitions
Hyundai has become the first carmaker globally to issue conventional US dollar-denominated
Green bonds, a sign that more companies are tapping the nascent but growing market to fund
environmentally friendly businesses.
Hyundai Capital Services (Baa1/A-/BBB+),
the Korea-based auto financing and leasing
arm of the Hyundai conglomerate, which
is the umbrella group for Hyundai and Kia
Motors, followed a small but expanding list of
global companies such as tech giant Apple
into the senior unsecured Green market with a
US$500m 5-year bond.
The transaction, which is also the country's
first corporate Green issue, priced at 150bp
over US Treasuries. The coupon is 2.875%.
Unlike previous Asian Green bonds
that appeared to be largely focused on
other benefits, such as boosting their
environmentally conscious image, HCS brings
itself one step closer to the purpose of Green
debt financing as it will be using the proceeds
to fund car loans for green vehicles.
"We've had instances where we had to
prove that the use of proceeds were for green
projects," said a banker on the deal. "For
HCS, it was clean cut and an easy concept
for investors to understand." Hyundai has
high hopes for its hybrid segment, eyeing the
number two spot in green vehicle makers by
2020.
The first corporate Green bond from
Asia was issued by Taiwan's Advanced
Semiconductor Engineering in July 2014.
ASE needed to repair its environmental image
after it was fined by the Kaohsiung City
Environmental Protection Bureau for dumping
waste into the environment a year before the
transaction.
Toyota Motor Credit had issued US dollar
Green bonds before HCS, but the bonds were
sold in an ABS format. TMC also turned to
Green bonds to help borrowers finance hybrid
cars.
IFR ASIA
MEDIA
03.08 / 2016
DATE
The New York Times
MEDIA
02.27 / 2016
DATE
Cutting-Edge Offices Around the World
The Hyundai capital Europe offices in Frankfurt, designed by Gensler
Julian Faulhaber for The New York Times

4746 /
The Korea Herald
MEDIA
04.29 / 2016
DATE
Goethe Institut
Magazine
MEDIA
03.03 / 2016
DATE
Hyundai Card is one of the most innovative companies in design and trend in the Korean market. Hyundai Card
DESIGN, TRAVEL, and MUSIC LIBRARY are traditional libraries infused with different esthetics, and offer unique
cultural benefits to the Hyundai Card members.
Die Hyundai Card Libraries in Seoul
Buchklub 2.0
EINE BIBLIOTHEK WIE EIN ELITEKLUB
Danny Kim’s Favorit unter den Hyundai Card Libraries
ist die Design Library. Im Bukchon Hanok-Dorf, der Seouler
Altstadt, ist die ganz auf Design ausgerichtete Bibliothek seit
2013 in einem von der traditionellen koreanischen Architektur
inspirierten Haus untergebracht. „Ich habe mich in die Architektur
und die umfangreiche Büchersammlung verliebt.“ Die offene
Gestaltung mit all dem Lichteinfall von außen sorge für eine ganz
besondere Atmosphäre, schwärmt Kim.
Danny Kim gehört genau zu der jungen Zielgruppe, die
Hyundai Card ansprechen möchte. Jung, erfolgreich, und mit
einem Einkommen, das ihnen einen Lifestyle gestattet, bei dem
eine Kreditkarte nur behilflich sein kann.
Wer in eine Hyundai Card Library möchte, der muss Mitglied
sein. Ein PR-Coup für das Unternehmen. Doch was macht
eigentlich die Coolness der Mitgliederbibliotheken aus?
Turntables in der Hyundai Card Music Library | Foto: Malte Kollenberg
Öffentliche Bibliotheken sind ein eher neues Phänomen.
Bis Mitte des 19. Jahrhunderts war der Zugang zu Literatur
und Schriften nur einem auserwählten Personenkreis möglich.
Zunächst Geistlichen, dann weltlichen Gelehrten, schließlich
Mitgliedern privater Klubs. Die drei Bibliotheken der Hyundai
Card in der südkoreanischen Hauptstadt Seoul - die Design
Library, die Music Library und die Travel Library - reihen sich
also in eine traditionsreiche Bibliothekskultur ein. Ted Chung,
Geschäftsführer von Hyundai Card, hatte die Idee. Er wollte
Finanzdienstleistungen „visualisieren“. Eine emotionale Bindung
zur Bibliothek und damit zur Marke Hyundai Card sollte her.
Wer nun die Bibliotheken nutzen möchte, der muss eine Hyundai
Card sein Eigen nennen. Dafür winken neben dem Zutritt zu
den bislang drei Bibliotheken allerhand Vergünstigungen bei
Konzerttickets und andere Rabatte.
Und diese Kulturangebote, die Hyundai Card verspricht, sind
es, die viele junge Menschen in Korea zu dem Finanzdienstleister
locken. „Ich habe mich für Hyundai Card entschieden, weil
sie das gesamte Jahr über viele Kulturveranstaltungen nach
Korea bringen“, sagt Danny Kim, ein junger koreanischer
Videojournalist. Und die Rabatte, die die Karte bei Einkäufen
ermögliche, seien auch nicht schlecht, fügt er hinzu.
EMOTIONALE MARKENBINDUNG
Der koreanische Kreditkartenanbieter Hyundai Card ist in
Sachen Design und Trends eines der innovativsten Unternehmen
auf dem koreanischen Markt. Ein junges Image haben die
Karten des Unternehmens zum begehrten Accessoire für junge
Menschen gemacht. 2010 nutzte das Unternehmen die Musik
des Berliner Künstlers und Seeed-Frontmannes Peter Fox für
einen Werbespot für ihre Karte. Schon damals Vorreiter, hat sich
das Unternehmen nun in ganz andere Werbesphären vorgewagt:
Private Bibliotheken.
Die Hyundai Card Design Library: modernes Design in traditioneller
Architektur | Foto: Malte Kollenberg
Hyundai Card ist mit den Bibliotheken ein PR- und
Werbeschachzug gelungen, der auch über Koreas Grenzen hinaus
Beachtung erfahren hat. Und doch erklärt das Unternehmen die
Bibliotheken aus einer ganz anderen Motivation heraus. „Wir
haben die Bibliotheken eröffnet, um den Leuten einen Mehrwert
zu bieten“, erläutert Hah Young Jin, verantwortlich für die
globale PR des Unternehmens. Und Unrecht hat Hyundai Card
nicht, wenn es seine Bibliotheken derart vorstellt.
Die Design Library beispielsweise ist laut Hyundai Card
die größte ihrer Art weltweit. Doch nur 50 Besucher werden auf
einmal hinein gelassen. Man habe den Leuten in einer schnellen
digitalen Welt einen Rückzugsort bieten wollen, in dem sie im
alten, analogen Stil nachdenken können, wird der damalige
Chief Marketing Officer von Hyundai Card in einem Artikel zur
Eröffnung der Bibliothek im Jahre 2013 zitiert.
Das Viertel um die Design Library herum spiegelt genau
dieses Alte, Analoge wieder. Nur in der Entfernung sind die
gläsernen Bürotürme Seouls und das neue, digitale und hektische
Korea sichtbar. In der Bibliothek spiegelt sich die Gediegenheit
und Ruhe der umliegenden traditionellen koreanischen Häuser,
der Hanok, wieder. Und sehr ähnlich ist auch die Gestaltung der
Bibliothek ausgefallen. Der Grundriss des Gebäudes ist wie bei
einem Hanok angeordnet. In der Mitte ein kleiner Innenhof, der
die Bibliothek mit Tageslicht flutet.
Die rund 12.000 Bücher in der Bibliothek wurden von
den international renommierten Kritikern und Kuratoren Justin
McGuirk und Alexandra Lange kuratiert. Jeden Monat wird ein
Thema besonders aufgearbeitet – im Dezember 2015 waren es die
„Books of Fantasy“ zur Sexualität. „Es ist der Coolness-Faktor,
den andere Bibliotheken nicht bieten“, erklärt Danny Kim.
Die 2015 eröffnete Hyundai Card Music Library in Itaewon | Foto:
Malte Kollenberg
Website : www.goethe.de/korea/magazin
DEUTSCHES DESIGN ALS i-TÜPFELCHEN
Der Lesesaal der Hyundai Card Travel Library | Foto: Malte Kollenberg
COPYRIGHT (C) 2016. Goethe-Institut Korea.
ALL RIGHTS RESERVED
In der Music Library stehen auch alle Ausgaben des Rolling
Stone Magazins zur Einsicht. Hyundai Card nimmt für sich in
Anspruch, die einzige komplette Kollektion des Magazins zu
besitzen. Nicht einmal Rolling Stone selber könne das von sich
behaupten, verkünden Mitarbeiter des Unternehmens stolz.
Doch die am weitesten zurückreichende Sammlung findet sich
in der seit 2014 existierenden Travel Library im Seouler Bezirk
Gangnam. Dort finden sich alle Ausgaben des Magazins der
National Geographic Society seit dessen Gründung im Jahr 1888.
Die Hyundai Card Libraries sind einfach cool. Und was zu
diesem Coolnessfaktor noch beiträgt: „In der Design Library
liegen spezielle Bleistifte aus, die man als Besucher benutzen
kann“, sagt Danny Kim. Ein bisschen Deutschland steckt auch in
den Bibliotheken, zumindest in der Design Library in Bukchon.
Die Bleistifte, die so viel Aufmerksamkeit erheischen, kommen
von Faber Castell.
By MALTE KOLLENBERG, a freelance multimedia journalist
in Seoul and Manila.
Während die Design Library in Bukchon noch weitestgehend
dem althergebrachten Bibliothekskonzept folgt, ist in der Music
Library in Seouls internationalstem Viertel Itaewon davon nicht
mehr viel zu sehen. Die Music Library ist eher so etwas wie ein
„Eventspace“. Mit Außenbereich, Club im Untergeschoss und
selbstverständlich auch einer Bibliothek. Doch viel wichtiger als
die Bücher zur modernen Musikgeschichte sind die alten Vinyl-
Platten, die die Wände des Bibliotheksbereichs zieren. In langen
Reihen stehen Teile der rund 10.000 Exemplare umfassenden
Schallplattenkollektion an den Wänden. In der Mitte des
Raumes Turntables (Schallplattenspieler), davor kleine Hocker
und Kopfhörer. Hier wird sozusagen Musik studiert. Nicht das
Internet und der klare Klang von hochwertigen MP3-Dateien,
sondern das alte Kratzen und der Geruch von Vinylschallplatten
machen den Charme der Bibliothek aus. Und hier befindet sich
auch das, was viele junge Leute in Scharen zu Hyundai Card
treibt. Die Bühne im Keller, auf der schon Größen wie Elton John
gespielt haben.

4948 /
Wallpaper
MEDIA
08.03 / 2016
DATE
The Korea Times
MEDIA
05.27 / 2016
DATE

5150 /
05.01 / 2013
DATE
Reprinted by Permission of Monocle © Monocle
Monocle
MEDIA

5352 /
MEDIA
Maekyung Economy 03.30 / 2016
DATE
The Korea Herald
MEDIA
05.12 / 2016
DATE
Ted Chung Leads Fintech Market as a Finance Industry Icon Digital Hyundai Card:
Ted Chung’s Bold Moves to Restructure the Company
Ted Chung, Vice Chairman and CEO of Hyundai Card·Capital·Commercial, has been listed among the 100 best-
performing CEOs in Korea by weekly business magazine Maekyung Economy for 12 consecutive years, ever since
the listing first began. He is recognized for his significant influence in the finance sector with his outstanding
management, pushing forward the keywords of ‘digital’ and ‘global.’
Hyundai Card is gaining recognition for its attempts to restructure the company to keep up with the digital era. This
goes far beyond conventional facelift of products and services. It aims to integrate some of the more competitive
programs and/or platforms to provide services in a more concrete and practical ways in order to suit customers’
needs.

5554 /
Chosun Daily
MEDIA
03.04 / 2016
DATE MEDIA
Maeil Economic Daily 02.02 / 2016
DATE
‘Hey, Have you tried it?':
Hyundai Capital Pioneers the Way for New Emerging Nations
Hyundai Capital’s International Expansion,
Making New Rules in the Digital Era
Ted Chung, Vice Chairman and CEO of Hyundai Card·Capital ·Commercial, is aiming bigger and higher for the more
globalized Hyundai Capital. Seeking to move from Korean financial market, Chung’s strategy aims to bet big in the
international market. With global business expansion, Hyundai Capital’s HR system has adopted the Global Career
Bands system, a global human resources management protocol.
Operating 9 entities around the world, Hyundai Capital conducts human resources exchange programs among all
branches, based on the universalized principle spanning from HR ranking system to risk management protocols,
alongside the corporate culture. Hyundai Card has kicked off the Digital Hyundai Card project which shows genuine
respect for its customers by allowing them to take control of their user preferences, and to gain more hands-on
experiences.

5756 /
ETNEWS
MEDIA
08.10 / 2015
DATE
Korea Economic Daily
MEDIA
06.24 / 2015
DATE
Taiwan’s Fubon Life Insurance Invests KRW 220 Billion in Hyundai LifeA Visit to Hyundai Card’s Traffic Monitoring Center
Taiwan’s Fubon Life Insurance becomes the second-largest shareholder in Hyundai Life Insurance after investing
KRW 220 billion. Fubon Life Insurance has had an experience of handling issues such as aging syndrome and low
interest rate, which are challenges also faced by the Korean insurance industry.
The Traffic Monitoring Center is more than a mere electronic message board that displays real-time transactions
running. It is more of an overall business monitoring area which can predict upcoming activities within the next
hour or so and prevent any service errors in all card transactions.

Thinking beyond numbers
Without Numbers
Contents
CEO’s Letter
EXPRESSION > Branding & Marketing
EMPOWERMENT > Corporate Social Responsibility
PRIDE > Corporate Culture
INDEX
002
004
046
060
110

Hyundai Card·Capital·Life·Commercial are working to fully embrace a corporate
culture that befits the themes of ‘digital’ and ‘global’. We are operating a more
dynamic human resource system by eliminating the requirement of a specific
number of years needed for promotion, and are supporting more employee
exchanges between countries by expanding the Global Mobility system.
Furthermore, updating our dress code to include casual wear and deregulating
lunch times did not just expand choices of clothing and time, but it is also an
attempt to make employees think more flexibly.
Hyundai Card·Capital·Life·Commercial are once more at an inflection
point. Simply reorganizing our business structure is not enough to bring
about meaningful change and innovation. Forming a mindset that not only
understands but also embraces the new realities shaping our environment is
the most important thing. With that mindset, we eagerly look forward to the
challenges and opportunities that are coming next.
Hyundai Card·Capital·Life·Commercial have constantly redefined the line of
business. We have not only changed our business models, but also our way of
working and the way we express ourselves.
In an era of diversified means of communication, Hyundai Card is conveying
our aspirations and brand philosophy through our own medium, Channel
Hyundai Card. At the same time, we are also evolving the way we express
ourselves through physical spaces. The Music Library cultivates and curates
our inspiration from the analog medium, from books to vinyl. The Card Factory,
located at our head office in Yeouido, is an open display of our efforts to
visually express the finance business.
These endeavors were made possible by redistributing resources and removing
inefficient elements in our business, allowing us to direct our passions and
efforts toward new adventures. As we continue to eliminate non-essentials in
our work, we redouble our commitment to simplification and ensure our work
environments run smoothly with the right people in the right places.
Vice Chairman·CEO of Hyundai Card·Capital·Commercial
Chairman of Hyundai Life Board of Directors
Ted Chung
CEO’S LETTER
WITHOUT NUMBERS
003002 /

BRANDING & MARKETING
The branding and marketing of Hyundai Card·Capital·Life·Commercial
are about systematizing our important values and empathizing them
with our customers. The Channel Hyundai Card, which was launched in
2016, is a media platform that reflects our various perspectives about
the world through diverse themes. With media content reflecting our
ideas, this will lead to a deeper understanding of Hyundai Card. We
have changed an ordinary card-issuing area into a CARD FACTORY, and
worked on making finance more tangible to customers. Hyundai Card
libraries for design, travel and music have become places of inspiration
as details of these libraries reflect our devotion for the brand. Crucially,
Hyundai Card·Capital·Life·Commercial are at an inflection point and
have introduced new corporate identities in 12 years. Our newly-
introduced Digital Hyundai Card BI (Brand Identity) can be regarded as
an expression of our strong will for digitalization. Digital Hyundai Card
is not just a jargon as opposed to an analog scheme, but our realization
of the fundamental appreciation for digitalization.
EXPRESSION
WITHOUT NUMBERS

Rather than a typical digital service that overuses inertial slogans, Digital
Hyundai Card is a service in which customers can use digitalized credit card
systems in a convenient and secure way.
Digital Hyundai Card
007006 /

Thinking of a new way of communication that adapts to the changing
media environments, Hyundai Card has launched the Channel Hyundai Card,
our own media platform introducing media content on various topics.
Channel Hyundai Card
009008 /

Vinyl & Plastic is more than a simple LP & CD record shop: It is a branding
venue for Hyundai Card where people can listen to, see and own music
curated by Hyundai Card in a rather analog but still trendy atmosphere.
Vinyl & Plastic by Hyundai Card
011010 /

This exhibition place presents various out-of-the-box visual arts projects
from all around the world ranging from conventional arts to film,
architecture, design and other fields of contemporary art.
Storage by Hyundai Card
015014 /

The MUSIC LIBRARY is equipped with a 10,000-piece vinyl collection that
includes rare albums. Starting from the 1950s collection, music lovers can
enjoy music from all genres and eras. The UNDERSTAGE, designed to be a
place of opportunity for artists, offers limelight on creativity.
Hyundai Card
MUSIC LIBRARY & UNDERSTAGE
017016 /

The music of renowned pop star Elton John can be closely appreciated
through Hyundai Card Curated Elton John. Ranging from legendary figures
to rookies, Hyundai Card Curated selects creative performances to be
showcased on the UNDERSTAGE.
Hyundai Card Curated
Elton John
021020 /

The TRAVEL LIBRARY allows visitors to explore new worlds with their
own eyes. It is more than a space for reading books: it sets readers off on
exciting voyages.
Hyundai Card TRAVEL LIBRARY
023022 /

The DESIGN LIBRARY is a place of immersion and inspiration. On July 2015,
we held the Designing with Data exhibition which visualized data in a
meaningful way. And during December of the same year, we launched the
Impression exhibition intended to reflect Hyundai Card’s design philosophy
and history.
Hyundai Card DESIGN LIBRARY
025024 /

A card factory where the entire process of delivering, issuing, inspecting,
and packaging of the cards can be observed.
Hyundai Card CARD FACTORY
027026 /

Former Beatle and legendary pop artist Paul McCartney held his first
performance in Korea at the Super Concert. Hyundai Card Super Concert
presents performances of the world’s top artists such as Beyonce, Stevie
Wonder, Maroon 5, and Eminem.
Hyundai Card Super Concert 20
Paul McCartney
029028 /

An exhibition exploring the life of renowned fashion designer Jean Paul Gaultier.
Divided into 7 themes that inspired Gaultier from his youth until the present day.
Hyundai Card Culture Project 21
Jean Paul Gaultier
031030 /

The 20th Culture Project was a one-month relay concert powered by strong
musicality and the unique charms of electronic star Zedd, Nate Ruess,
Adam Lambert, James Bay, and The 1975.
5 Nights II
033032 /

Architect group SoA nabbed the first place in the Young Architect Program
with their work, “Roof Sentiment.” Their installation utilizes large reed blinds
to recreate the sense of a roof fading into nothingness. The Hyundai Card
Culture Project introduces creative and experimental cultural content in
various fields such as music, theater, art, architecture, movies, dance, and more.
Young Architect Program 2015
037036 /

The ‘it vodka’ is applied with Poland’s 500-year tradition of vodka making
to strengthen its natural taste, and used sophisticated and modern package
designs to enhance its uniqueness.
it vodka
039038 /

Contains the result and process of design projects from the past 12 years.
Excluding verbose descriptions, it is an image-filled archive book reflecting
Hyundai Card’s design philosophy and logic.
DESIGN without WORDS Ⅱ
041040 /

The team achieved a record-breaking winning streak of 18 games,
attaining 1st place in the 2015-2016 V-League.
Hyundai Capital Skywalkers
Volleyball Team
043042 /

Hyundai Card·Capital·Life·Commercial’s definition of social contribution
is not just about helping others. We place value in the process of
seeking for new possibilities all at the same time. Through the Dream
Realization Project, which supports the independence of small-scale
business owners and self-employed individuals, 10 local stores have
been created. Ordinary stores such as fruit marts, local restaurants,
dry cleaners, butchers, and even supermarkets, have become a place
of self-support. The Market Revitalization Project, which started at
Bongpyeong Market in Gangwon Province, continued with Daein
Market in Gwangju and the 1913 Songjeong Station Market. Traditional
markets, stricken by the wave of modernization, previously lost their
grounds but have since embraced new opportunities. Unbound by
stereotypes, we were able to focus on the intrinsic value of traditional
markets and turn old stories into new challenges. More than just a
facelift or exterior design, a truly meaningful change occurred among
people realizing their dreams.
CORPORATE SOCIAL RESPONSIBILITY
EMPOWERMENT
WITHOUT NUMBERS

1913 Songjeong Station Market Preserving and restoring the 100-year tradition and history of the former
Songjeong Station Market, the new market was reborn offering a glimpse
of each merchant’s memories and lives. The addition of the birth year to
its name gives people an intuitive grasp of its history and tradition.
049048 /

As part of the Market Revitalization Project, the two oldest stores in
Daein Market selling traditional Korean sweets and medicinal herbs have
been selected as antennae stores for change. Various works to increase
store competitiveness, such as menu development, packaging and display
methods among others, have been implemented.
Daein Market
053052 /

Bongpyeong Market The change in Bongpyeong Market has set a new model for traditional
markets by maintaining the original meaning of sharing joy and affection in
these areas but at the same time highlighting its personality and color.
The slogan, “Development for Sustainability”, encourages merchants to
strive for change.
055054 /

The store name was changed to My Neighborhood’s Supermarket in order
to imply its significant presence in the local community. Here, we have
implemented changes such as product management and interior design to
create a space that residents will want to frequent.
Dream Realization Shop no.10
My Neighborhood’s Supermarket
057056 /

By using comforting colors and wood, Homemade Gimbap tries to maximize
the homey atmosphere. My Gimbap is a menu allowing the customer to
actually make gimbap and enjoy casual conversation with the store owner
or fellow customers.
Dream Realization Shop no.9
Homemade Gimbap
059058 /

The way employees of a company think and behave represents
the identity of a business company as much as the business
operation itself. The creative and innovative nature of Hyundai
Card·Capital·Life·Commercial is the result of the employees’ creativity
and innovation. We have always thought about "why" first and are
constantly trying to identify the essence and core of the works that
we do. Simplification is the frame that articulates this essence. By
eliminating inefficiencies, we are able to focus more on the task that
we should really be doing. Giving autonomy to dress codes and lunch
breaks reflects our zeal to prepare for the future in a creative and
adventurous way. Pride is maximized when the energy, as well as
human resources, of the organization is used productively at the right
time at the right place. The true power of corporate culture originates
in pride, not the system.
CORPORATE CULTURE
PRIDE
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Change in CI The new CI (Corporate Identity) of Hyundai Card·Capital·Life·Commercial
unveiled on April 4th, 2016 reflects its new direction and identity.
063062 /

Business Strategy Workshop Once a year, the executives of the company gather at one place to check on
the business of Hyundai Card·Capital·Life·Commercial and actively debate
over their mid- and long-term business strategies.
065064 /

Global Forum The leaders of global entities, including the head office, gather at one place
to share their strategies and best practices, as well as create the synergy
of ‘One Global Company’ by using their networks.
067066 /

Dress Code The dress code for all employees of Hyundai Card·Capital·Life·Commercial
extend to business-casual as well as the basic business suit, depending on
personal tastes and efficiency. The new office look is applied to overseas
entities as well as the Seoul headquarters.
069068 /

Cooking Lab The in-house chefs research and experiment with their menus in the
cooking lab. Outside visitors can also experience the dining of Hyundai Card.
071070 /

People can choose from over ten daily-changing menus at the cafeteria
according to their own taste and favors. The hardwood table, unique
lighting and props create a refined atmosphere.
Cafeteria at HQ1
073072 /

In the Capsule Sleeping Room, telemarketers can relieve their stress and
rest hassle-free in their personalized space.
Capsule Sleeping Room
at Daebang Office
075074 /

Design Lab The Design Lab was remodeled by the French architect Jean Nouvel. Under
the concept of a warehouse, the lab helps conceive new ideas and tasks.
077076 /

The sign on the lobby floor is drawn towards the CARD FACTORY and the
information desk. The installation art piece that resembles the chimney of
the CARD FACTORY can easily be noticed.
Lobby at HQ3
079078 /

Daycare Center “the KIDS” The daycare center for the children of Hyundai Card·Capital·Life·Commercial
employees. With the best teachers, a safe environment, healthy meals and
creative education programs, it demonstrates a new standard for daycare
centers.
081080 /

Records An exhibition was held at the first floor of building No.1 of the head office for
two months under the theme of “records.” It was based on more than 8,000
memos collected from the executives’ laptops and emails between 2002 and
2015. The exhibition was held to share the everyday lives in the company and
remind people how big results can be initiated from small ideas.
083082 /

Traffic Monitoring Center
(TMC)
All the current IT and business systems can be checked at the TMC, which
is a first-grade security area. When an abnormality occurs, the TMC is used
to analyze the causes and find solutions.
085084 /

PRIDE Edition 2 A cannon of corporate culture, organizing the ways in which Hyundai
Card·Capital·Life·Commercial work, think, and manage human resources
into 50 work styles.
087086 /

Cut & Polish The “Cut”, representing the traditional British barbershop, and “Polish”,
representing a premium nail salon, Cut & Polish is more than just a
company welfare program and offers a trendy lifestyle for Hyundai
Card·Capital·Life·Commercial employees.
089088 /

Open Studio Hyundai Card·Capital·Life·Commercial’s in-house media content are
produced in the open studio, allowing the entire production process to be
seen from the outside.
091090 /

Open Radio Every Thursday afternoon at 3pm, news, events and stories about the
company employees go on air.
093092 /

Open Class For their insight, the employees learn knowledge and perspectives about
humanities, arts, sciences, IT and others by inviting professionals.
095094 /

The Box & the Wailing Wall At lunchtime it is a healthy salad buffet, and at dinnertime it is a restaurant
offering wine. The refined rectangular glass design explains why the space
is called the Box. The Wailing Wall, where customer complaints are updated
in real time, demonstrates our devotion to listening to our customers at all
times.
097096 /

CEO Lounge Here, the participants of the CEO PLAN can receive professional education
and consulting, information and office space for 6 months.
099098 /

CEO PLAN The CEO PLAN helps employees run their own businesses after retirement,
with five shops having already opened through the project.
101100 /

Job Selling & Job Fair Each department promotes itself through Job Selling, and the new hires
promote themselves to the sectors in which they are interested at the Job
Fair. It is a win-win HR system for both new-comers and departments.
103102 /

HCA OFFICE In 2015, Hyundai Capital America opened its new “HQ2” office in Newport
Beach, California. Just down the road from HCA’s headquarters, the new
office consolidated several smaller offices—bringing employees together into
an environment consistent with Hyundai Capital’s global design themes.
105104 /

HCE OFFICE Finance and creativity coexist in the HCE office, where the convenience
of both employees and customers has been considered. The spiral stairs
located at the center of the office penetrate through all the floors,
creating more liberal working atmosphere.
107106 /

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