This document provides an earnings release and financial summary for Hyundai Card Corporation for FY 2017. It summarizes key performance metrics such as total assets, membership numbers, revenue, expenses, net income, asset quality, capital levels, funding/liquidity, and digital/brand initiatives. Overall, total assets and revenue increased in 2017 from 2016, while net income was maintained. Asset quality remained stable and capital levels exceeded regulatory requirements. The company continued expanding its digital offerings and brand activities in 2017.

1. FY 2017
Earnings Release

2. Disclaimer
These presentation materials have been prepared by Hyundai Card Corporation., Ltd. (“HCC” or “the Company”), solely
for the use at this presentation. This presentation material may not be reproduced, redistributed or passed on, directly
or indirectly, to any other person or published, in whole or in part, for any purpose.
The Company has not taken measures to independently verify data contained in this material. No representations or warranties,
express or implied, are made as to, and no reliance should be placed on, the accuracy, fairness or completeness of the information
presented or contained in this presentation. This presentation should not be construed as legal, tax, investment or other advice.
Financial statements in this document have been prepared in accordance with K-IFRS. Other additional market information has
been sourced from the Company or from other external institutions. The information presented or contained in this presentation
is current as of the date hereof and is subject to change without notice and its accuracy is not guaranteed.
Certain information and statements made in this presentation contain “forward-looking statements.” Caution should be taken
with respect to such statements and you should not place undue reliance on any such forward-looking statements.

3. Membership / Asset
2Source: Managed Assets
Asset expansion from increased
auto-channel credit purchase
2015 2016 2017 YoY
Lump sum 4,806 5,311 5,378 1.3%
Installment 2,807 2,980 3,370 13.1%
Cash Advance 827 855 847 -0.9%
Card Loan 3,240 3,220 3,487 8.3%
7,613 8,290 8,748
4,067 4,075 4,334
11,680 12,365 13,082
2015 2016 2017
Credit
Purchase
Finance
• Asset portfolio (unit: bn KRW)
(＋5.8%)
(unit: bn KRW)
Reinforced member acquisition and
retention for sustainable growth
6,684 6,793 7,160
2015 2016 2017
• New acquisition
2015 2016 2017 YoY
New members 1,292 1,293 1,449 16.9%
(Online) 11.0% 16.2% 19.6% +3.4%p
(Affiliate) 20.3% 20.3% 22.3% +2.0%p
(unit: K members)
(unit: K members)
Active
members
M/S
(Credit Purchase)
(＋5.4%)
• Total assets• Membership
14.2% 14.3% 14.3%

4. Profitability
3① ② Excluding FX effect
Operating rev/exp increase from sales increase (one-off from tax refund)
Net income maintained while MS improved including one-off effect
2015 2016 2017 YoY
OP. rev.①
2,602.4 2,694.6 2,842.6 5.5%
Card
rev.
2,552.4 2,640.4 2,731.5 3.4%
OP. exp.②
2,370.8 2,456.7 2,597.5 5.7%
Card
exp.
1,144.4 1,234.3 1,372.3 11.2%
Interest
exp.
277.6 258.6 244.4 -5.5%
Bad debt
exp.
237.7 246.2 233.2 -5.3%
OP. income 241.5 249.2 258.7 3.8%
IBT 240.5 250.1 258.8 3.5%
Net Income 186.8 190.0 191.6 0.8%
ROA 1.7% 1.6% 1.5% -0.1%p
700.3
734.7
690.6
717.0
677.0 675.3 678.7
700.5
1Q 17 2Q 17 3Q 17 4Q 17
Card rev.
Revenue
631.4 637.2 626.5
702.4
339.4 335.6 325.1
372.2
1Q 17 2Q 17 3Q 17 4Q 17
Card exp.
Expenses
Net Income
(unit: bn KRW) (unit: bn KRW)
53.2 77.6 51.1 9.6
• Quarterly results• Summary of Income Statements

5. Asset quality / Capital
4① (Allowance+Reserve)/FSS requirement
Stable quality thru conservative U/W
standards and sufficient provisions
2015 2016 2017 YoY
Provision 623 643 697 8.4%
Allowance 256 284 297 4.7%
Reserve 367 359 400 11.3%
FSS
Coverage① 133.4% 132.7% 132.2% -0.5%p
0.55%
0.59% 0.62%
0.78%
0.84% 0.84%
2015 2016 2017
30+
DQ ratio
DQ ratio
incl. re-aged
5.4X
5.5X
5.4X
2015 2016 2017
(unit: bn KRW)
2015 2016 2017 YoY
Total asset 13,311 14,515 15,413 6.2%
Total capital
(previous Q)
2,468 2,647 2,850 7.7%
(unit: bn KRW)• Allowance and reserves • Asset and capital
FSS-compliant capital management
: Leverage smaller than 6X
• Leverage• Delinquency ratio
*Total dividend for ’17 56.8bn KRW (pay-out ratio 30%)

6. 73.6%
3.9%
15.5%
6.0% 1.0%
Bond/LT funding
Domestic ABS
Overseas ABS
Loan
ST funding
Funding / Liquidity
5Source: Company data
Stable portfolio thru
maturity/product diversification
2015 2016 2017 YoY
Total liability 9,083 9,871 10,254 3.9%
Domestic
funding
8,319 8,639 8,666 0.3%
Overseas
ABS
764 1,232 1,588 28.9%
• Diversification
2015 2016 2017 YoY
Total liquidity 1,488 2,605 2,515 -3.4%
Cash 998 1,520 1,696 11.6%
Credit Line 490 1,085 820 -24.4%
Short-term
Coverage
57.4% 67.7% 85.2% 17.5%p
• Liquidity position
Strict cash-centric liquidity guides
and contingency framework
129.8%
122.7%
151.6%
2015 2016 2017
(unit: bn KRW) (unit: bn KRW)
• ALM ratio• Funding portfolio

7. Digital / Brand Activity
6
Digital transformation for
new growth driver
• Space
Our brand value sahred thru
culture and space
Super Concert 22
Coldplay
Culture Project 25
Ariana Grande
Culture Project 26
The Chainsmokers
BuddyChameleon
- Chameleon : Multiple cards in one plate, choose card in app.
- Buddy : Customer counseling service by AI-based chatbot
- Single Sign-on : Use multi HCC apps with single log-in, with
block-chain technology
• Entering digital payment market
- Blue Walnut : 100% HCC owned sub with PG and VAN license
- Cooking Library : Intellectual trip with HCC wrapped up
(alongside Design, Travel and Music libraries)
• Culture• New services in 2017

8. Further Information
IR Homepage: http://about.hyundaicard.com
IR email address: irhcc@hcs.com