Thinking about numbers
With Numbers
CEO’s Letter
History
Local & Global Business
Financial Highlights
Products
Global Part...
0302 With Numbers CEO’s Letter
We strive
forward each
day to achieve
better numbers.
However, we
place our focus
on the me...
History “At Hyundai Card, Hyundai Life,
Hyundai Capital, and Hyundai
Commercial, we redefine the
financial industry.”
Hist...
0706 With Numbers
1993-1999
2008
2001-2003
2009
2004
2010
2005
2011
2006
2012
2007
2013
	 1993. 12
|	Establishment of Hyun...
Local 
Global Business
0908 With Numbers Local  Global Business
“Our goal is to establish an
international network outside...
1110 With Numbers Local  Global Business
Hongik University Office
Hyundai Card, Hyundai Capital,
Hyundai Commercial
Yangja...
1312 With Numbers Local  Global Business
USA UK Europe Emerging Market
8
4
6
7
9
5
2
3
1
Consulting Business
Financial Com...
Financial
Highlights
1514 With Numbers Financial Highlights
“Challenges in the business
environment have only
strengthened...
1716 With Numbers
233
Unit: In billions of KRW
Unit: In billions of KRW
Operating Revenue
Operating Income
Net Income
Asse...
1918 With Numbers
As Korea’s top commercial
finance company, Hyundai
Commercial has maintained
its high standards of ROA
o...
Products
2120 With Numbers Products
“At Hyundai Card, Hyundai Life,
Hyundai Capital, and Hyundai
Commercial, we provide ne...
2322 With Numbers
Hyundai Card
Insurance Products	 Hyundai Life ZERO	A value-for-money insurance service that provides fou...
2524 With Numbers
Financing commercial 	 New car installment plan	 A plan that allows for smart purchases of commercial
ve...
Global
Partnership
2726 With Numbers Global Partnership
“By joining hands with the 
world’s best, we have developed
our gl...
2928 With Numbers Global Partnership
Business Partnership : GE, SANTANDER
Brand Partnership : MONOCLE, MoMA, TASCHEN, ZAGA...
31With Numbers
Directors 
Executives
Ted Chung
President
Sherwood Dodge
Director
Suk-joon Won
Director
Ju-hyuk Lee
Directo...
3332 With Numbers
Directors Executives
Hyundai Life
Jin-hwan Choi
President
Byung-chul Choi
Director
Myung-sik Jang
Audit ...
03 / 2013
DATE
Bloomberg Markets
MEDIA
Media Articles
34 35
03 / 2013
DATE
Bloomberg Markets
MEDIA
3736
03 / 2013
DATE
Bloomberg Markets
MEDIA
3938
05 / 2013
DATE
Monocle
Reprinted by Permission of Monocle - May 2013 issue © Monocle
MEDIA
4140
4342
05.17 / 2013
DATE
Joongang Ilbo
MEDIA
Yellow Cab? No, it’s a Smart Taxi
Kia Motors and Hyundai Card to reveal a new c...
4544
06.13 / 2013
DATE
Dong-a Ilbo
MEDIA
04.26 / 2013
DATE
Chosun Ilbo
MEDIA
“When Customers are King, Employees are King ...
4746
01.16 / 2013
DATE
Maekyung Economy
MEDIA
Changing the Old Ways of the Insurance Business Insurance is often hard to u...
4948
04.22 / 2013
DATE
Chosun Ilbo
MEDIA
12.20 / 2012
DATE
Joongang Ilbo
MEDIA
Hyundai Card and Hyundai Capital Recruit In...
11.19 / 2012
DATE
Hankyoreh
MEDIA
09.25 / 2013
DATE
Dong-a Ilbo
MEDIA
5150
Dream Project Innovates Traditional Market and ...
5352
10 / 2012
DATE
Arena
MEDIA
A Week at Wonderland
Editor’s one-week experience at Hyundai Card
At Hyundai Card, the wor...
5554
10 / 2012
DATE
Arena
MEDIA
10 / 2012
DATE
Arena
MEDIA
5756
10 / 2012
DATE
Arena
MEDIA
5958
09.26 / 2012
DATE
Korea Economic Daily
MEDIA
07.16 / 2012
DATE
Chosun Ilbo
MEDIA
Hyundai Capital Advances into Chinese Car...
06.11 / 2012
DATE
Financial Times
MEDIA
6362
06.07 / 2012
DATE
Joongang Ilbo
MEDIA
When Hyundai Card Met YG Entertainment
...
01.28 / 2012
DATE
Maeil Business Newspaper
MEDIA
05.25 / 2012
DATE
Money Today
MEDIA
The Reason Why World Famous Artists F...
03.03 / 2012
DATE
Maeil Business Newspaper
MEDIA
08.31 / 2013
DATE
Chosun Ilbo
MEDIA
‘Innovative Management of Hyundai Car...
03.23 / 2012
DATE
Dong-a Ilbo
MEDIA
Korean Wave in Management? US MBA Students Learning from
Hyundai Card
Students from MI...
Without Numbers
Contents
CEO’s Letter
EXPRESSION  Branding  Marketing
EMPOWERMENT  Corporate Social Responsibility
PRIDE  ...
CEO's Letter
Our challenges
know no limits
because
we focus on
	our potential
	that goes beyond
	just numbers.
CEO’s Lette...
emart X Hyundai Card : OYSTER Expression
EXPRESSION
Branding  Marketing
We write our own
story about our
origins in financ...
Expression
EXPRESSION
BrandingMarketing
Wewriteourown
storyaboutour
originsinfinance
andnumbers.
HyundaiCard,HyundaiLife,H...
0908
YG X Hyundai CardYG X Hyundai Card : BIGBANG Tangram X Hyundai Card : SMART CASE 1110
Hyundai Card DESIGN LIBRARY 1312
1514
CorporateCulture
Hyundai Card MUSIC Pop-up Store 1716
컨벤션 홀(Convention Hall)
House of the Purple 1918
Air Lounge 2120
Hyundai Card Culture Project 2322
it card 2524
2726
the Purple 2928
the Red 3130
Youandi Modern CI/BI Guide 3332
Hyundai Life ZERO Hyundai Card Brand Portfolio 3534
Dream Project Shop No.7 : The Honest Butcher Empowerment
EMPOWERMENT
Corporate Social Responsibility
We guide and
provide ...
Empowerment
EMPOWERMENT
CorporateSocialResponsibility
Weguideand
providesmall
businesseswith
anencouraging
environmentto
d...
Dream Project Shop No.6 : Dduk Galore 4140
Dream Project Shop No. 5 : Dr. Bubble Dry Cleaners 4342
Dream Project Shop No. 4 : Sasha Hair Dream Project Shop No. 3 : Bean Love 4544
Dream Project Shop No. 2 : Long Legged Mister’s Dream Project Shop No. 1 : Sunlight Orchard 4746
Dream Education Project SNU-Hyundai Card School of Mentors 4948
Art Stage Mini Volunteer Program (M.V.P) 5150
Families Guarding Traditions Exciting Experiences 5352
PRIDE Book Pride
PRIDE
Corporate Culture
Our corporate
culture is rooted
in our strong
conviction.
When it comes to managi...
Pride
PRIDE
CorporateCulture
Ourcorporate
cultureisrooted
inourstrong
conviction.
Whenitcomestomanagingacompany,weoftenhea...
Headquarters of Hyundai Card, Hyundai Capital, and Hyundai Commercial 5958
Wailing Wall 6160
Media Zone 6362
Auditorium Idea Table 6564
Market Place Townhall Meeting 6766
Focus Meeting Management Strategy Workshop 6968
Design Lab 7170
경영전략워크샵The Information  Resource Center 7372
Hyundai Capital America Headquarters 7574
Year-end Party 7776
Bike Zone Employee Cafeteria 7978
Cafe M the Box 8180
Print  Wash 사우나(Sauna) + 수면실Sauna + Sleeping Lounge 8382
Fitness Center Table Tennis Table 8584
the Table
EXPRESSION Index
Branding  Marketing
Expression
04 emart X Hyundai Card : OYSTER
A lifestyle brand made in conju...
EMPOWERMENT Index
Corporate Social Responsibility
Empowerment
36 Dream Project Shop No. 7 :
The Honest Butcher
Together wi...
PRIDE Index
Corporate Culture
Pride
54 PRIDE Book
The PRIDE Book summarizes our
corporate culture at Hyundai Card,
Hyundai...
Hcs company report 2012
Hcs company report 2012
Hcs company report 2012
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Hcs company report 2012

  1. 1. Thinking about numbers With Numbers CEO’s Letter History Local & Global Business Financial Highlights Products Global Partnership Directors & Executives Media Articles 02 04 08 14 20 26 30 34 Contents
  2. 2. 0302 With Numbers CEO’s Letter We strive forward each day to achieve better numbers. However, we place our focus on the meaning of these numbers, not their magnitude. CEO’s Letter Hyundai Card, Hyundai Capital, Hyundai Commercial CEO Chairman of the Board, Hyundai Life Ted Chung At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, we strive each day to achieve better numbers. However, we place our focus on what these numbers mean, rather than their magnitude. 2012 was an important year in that we were able to catch our breath and look back upon the path we have walked thus far. It was a time of self-reflection, especially on our industry, and it was an opportunity to newly design our business landscape. Hyundai Life, which became a new addition to our family last year, achieved record-breaking sales with more than ten thousand new members in the course of two months since the launch of Hyundai Life ZERO. From its beginnings, Hyundai Life has worked to improve both reputation and performance and, in the future, we are confident that Hyundai Life will play a significant role in changing the rules of the market as a cutting-edge innovator. Originally a pioneer at home in Korea, Hyundai Capital is now fulfilling its dream of expanding its global presence. Hyundai Capital is growing rapidly in the United States with record-breaking sales and is entering numerous markets across the world, including Russia and Brazil. In July 2012, Hyundai Capital established corporate bodies in the United Kingdom, a market whose history runs parallel with the history of finance itself. In September, the company set up in China, the world’s largest automotive market. Hyundai Capital will continue its growth as a global financial company. Hyundai Card is in a period of transition that is bringing changes to product paradigms, and is thinking about our card members in this shifting environment. Concurrently, we are devoted to innovating through our products through a project called ‘Chapter 2’ and to providing new customer value. Hyundai Commercial leads the market as a formidable player in industrial finance backed by specialized business expertise. For the past ten years, there has been endless growth at Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, and we will continue to grow into the future. We search for new business opportunities and formulate strategies that embrace both domestic and overseas customers. Our challenge to provide new customer value also continues. Our new growth strategy includes changing paradigms, expanding our business via insurance, kicking Hyundai Capital’s overseas business into high gear, and upgrading the specialization of Hyundai Commercial. The year 2013 will be a year of great strides for Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial.
  3. 3. History “At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, we redefine the financial industry.” History 05With Numbers04
  4. 4. 0706 With Numbers 1993-1999 2008 2001-2003 2009 2004 2010 2005 2011 2006 2012 2007 2013 1993. 12 | Establishment of Hyundai Auto Finance, Inc. 1995. 04 | Corporate name change to Hyundai Financial Services, Inc. 1999. 01 | Corporate name change to Hyundai Capital, Inc 01 | Launch of Hyundai Capital’s Plus Membership 03 | Hyundai Card achieves record-breaking one million M platinum members 04 | Successful issuance of USD 155 million in syndication floating rate notes by Hyundai Capital 05 | First successful issuance of MYR 650 million in Malaysian Ringgit bond by Hyundai Capital 08 | Hyundai Capital secures record- breaking one million Auto Plan used car financing customers 09 | Launch of Hyundai Card the Red 10 | Hyundai Card Hyundai Capital earns Consumer Information Protection Certification (ISO 27001) 12 | Successful accumulation of USD 185 billion in unsecured foreign loans by Hyundai Capital 2001. 07 | Launch of auto leasing services by Hyundai Capital 2001. 08 | Acquisition of Diners Club, Inc. by Hyundai Capital 2001. 10 | Diners Club, Inc. name change to Hyundai Card, Inc. 2002. 06 | Introduction of Save Point System by Hyundai Card. 2003. 05 | Launch of Hyundai Card M 2003. 06 | HQ renovation 01 | Hyundai Capital secures KRW 1.65 trillion in credit line | Launch of Hyundai Card Hyundai Capital MY BUSINESS 02 | Sponsor of MoMA Destination: Seoul project by Hyundai Card 07 | Launch of True Partners Loan, a corporate finance product for small businesses by Hyundai Commercial 09 | Establishment of Hyundai Capital Germany GmbH 12 | Hyundai Card ranks No. 1 in National Customer Satisfaction Index (NCSI) in the credit card category for five consecutive years in a row 06 | Launch of Hyundai Capital’s home equity loans 08 | Formation of strategic partnership between Hyundai Capital GE Capital 10 | Foundation of joint company by Hyundai Capital-GE Capital | Launch of Hyundai Capital’s installment financing brand Autoplan 05 | Establishment of Hyundai Capital Europe GmbH 07 | Launch of Hyundai Capital’s Direct Loan | Launch of corporate financing product for Hyundai and Kia Motor’s partners by Hyundai Commercial | Successful issuance of CHF 150 million is Swiss bond by Hyundai Capital 09 | Launch of Hyundai Card Hyundai Capital’s corporate blog 11 | Launch of Hyundai Card Platinum 3 Series 01 | Launch of Hyundai Capital’s Pro Volleyball Team “Cheonan Hyundai Skywalkers” 02 | Launch of Hyundai Card the Black 03 | First successful issuance of JPY 44 billion in Samurai bonds by Hyundai Capital 08 | Formation of strategic partnership between Hyundai Card GE Capital 09 | Opening of Hyundai Card Super Match 10 | Foundation of joint company by Hyundai Card-GE Capital 12 | Launch of Hyundai Capital’s integrated personal financing brand Prime Loan 03 | Opening of Hyundai Card Culture Project | Release of Hyundai Card the Purple/ the Red Liquid Metal Series 06 | Launch of Hyundai Card Platinum 2 08 | Hyundai Commercial records KRW 3 trillion in assets 10 | Opening of Hyundai Card Hyundai Capital’s MY BUSINESS portal 11 | Launch of Hyundai Capital’s secured auto loan | Launch of Hyundai Card’s Android Mobile Card | Launch of Hyundai Card ZERO 02 | Launch of Hyundai Card the Purple 04 | Launch of Hyundai Card’s service brand PRIVIA 08 | Opening of Hyundai Card-Hyundai Capital Finance Shop 02 | Launch of design for premium bottled water, “it water” by Hyundai Card | Establishment of Hyundai Life 03 | Launch of Hyundai Card it card | Publication of PRIDE: How We Work at Hyundai Card in 50 Ways by Hyundai Card, Hyundai Capital, and Hyundai Commercial 04 | Launch of Hyundai Card DIRECT 05 | Hyundai Card provides insurance coverage plan against voice phishing | Launch of Hyundai Card MUSIC website 06 | Hyundai Capital earns BBB+ credit rating from Fitch | Hyundai Card x YG Collaboration 07 | Launch of Family Network Loan, a corporate financial product for affiliates of Hyundai Heavy Industries by Hyundai Commercial | Foundation of Hyundai Capital UK Ltd. | Hyundai Capital earns AAA+ credit rating from RAM 09 | Hyundai Capital earns A+ credit rating from JCR | Foundation of BHAF-Beijing Hyundai Auto Finance | Successful issuance of CNY 500 million in Dimsum bonds by Hyundai Capital 01 | Opening of Hyundai Card Super Concert 03 | Establishment of Hyundai Commercial 04 | First successful issuance of USD 400 million in overseas bonds by Hyundai Card among Asia-based credit card issuers 06 | Launch of Hyundai Capital’s loan waiver program 08 | Opening of Hyundai Card’s offline M-point Shop 11 | Opening of Hyundai Capital’s used car-financing portal Auto Inside 01 | Launch of Hyundai Card Hyundai Capital MY BUSINESS Membership | Launch of Hyundai Life ZERO 02 | Hyundai Card launched ‘OYSTER’ a collaboration project with emart | Opening of Hyundai Card Design Library 05 | Reached 10 million visitors number in Hyundai Capital Hyundai Card’s corporate blog | Successful issuance of AUD 250 million in Kangaroo bonds by Hyundai Capital 06 | Launch of ‘CHAPTER 2’ by Hyundai Card History
  5. 5. Local Global Business 0908 With Numbers Local Global Business “Our goal is to establish an international network outside of Korea encompassing the United States, Europe, China, South America and beyond.”
  6. 6. 1110 With Numbers Local Global Business Hongik University Office Hyundai Card, Hyundai Capital, Hyundai Commercial Yangjae Office Hyundai Card, Hyundai Capital Suwon Office Hyundai Card, Hyundai Capital, Hyundai Commercial Daejeon Office Hyundai Card, Hyundai Capital, Hyundai Commercial Ulsan Office Hyundai Card, Hyundai Capital, Hyundai Commercial Busan Office (under construction) Hyundai Card, Hyundai Capital Daegu Office Hyundai Card, Hyundai Capital, Hyundai Commercial Gwangju Office Hyundai Card, Hyundai Capital Seoul Auto Gallery Hyundai Capital Youngdeungpo Office Hyundai Card Hannamdong Office Hyundai Card Seoul Korea Headquarters 1 2 3 Hyundai Card, Hyundai Capital, Hyundai Commercial Headquarters Hyundai Life
  7. 7. 1312 With Numbers Local Global Business USA UK Europe Emerging Market 8 4 6 7 9 5 2 3 1 Consulting Business Financial Company Global 1 Hyundai Capital America Year of Establishment: 1989 Services: Consumer finance – installment plans and leasing, Dealer finance – wholesale financing and mortgage loans Hyundai Capital has provided all-round business advise for HCA, ranging from operations support to sales and risk management, since 2007. HCA will focus on securing mid-to-long term funds, conducting client/dealer segmentation marketing, and expanding sales via “Leasing A to Z.” China 2 Beijing Hyundai Auto Finance Year of Establishment: 2012 Services: Car Wholesale/Retail Financing Hyundai Capital’s arm in China quickly established itself in the Chinese market with success, despite tough governmental regulations and low utilization of installment financing. Hyundai Capital first entered China in 2005, and after a seven-year preparation period, Beijing Hyundai Auto Finance launched in 2012. Soon after, it achieved the highest usage of installment financing for Hyundai and Kia Motors in China, surpassing China Construction Bank. 3 Hyundai Capital UK Ltd. Year of Establishment: 2012 Services: Car Wholesale/Retail Financing Hyundai Capital UK Ltd. has achieved exponential growth in the past year since its foundation with increases in new approval rates of over 20%. Hyundai Capital UK Ltd’s success is attributed to innovative product planning and marketing capabilities, based on personal contract purchases that guarantee a wide range of customer benefits, and to its stable partnership with Santander Consumer Finance UK. 4 Hyundai Capital Europe GmbH Year of Establishment: 2010 Services: Financial consulting for Hyundai and Kia Motors 5 Hyundai Capital Germany GmbH Year of Establishment: 2010 Services: Financial consulting for Hyundai and Kia Motors Hyundai Capital Europe GmbH supports twenty-four offices in seventeen countries and offers customized consulting services by country. As Hyundai Capital’s HQ in Europe, Hyundai Capital Europe GmbH develops business models for various countries and supervises all businesses within Europe. 6 Hyundai Capital Russia LLC Year of Establishment: 2011 Services: Financial consulting for Hyundai and Kia Motors 7 Hyundai Capital India Pvt. Ltd. Year of Establishment: 2012 Services: Financial consulting for Hyundai and Kia Motors 8 Brazil Year of Establishment: 2012 Services: Financial consulting for Hyundai and Kia Motors 9 Australia Year of Establishment: 2012 Services: Financial consulting for Hyundai and Kia Motors Hyundai Capital is swiftly establishing footprints in emerging markets including Brazil, Russia, 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.
  8. 8. Financial Highlights 1514 With Numbers Financial Highlights “Challenges in the business environment have only strengthened our foundations at Hyundai Card, Hyundai Life, Hyundai Capital and Hyundai Commercial.”
  9. 9. 1716 With Numbers 233 Unit: In billions of KRW Unit: In billions of KRW Operating Revenue Operating Income Net Income Assets Equity 2012 2,526 233 191 11,252 2,192 2010 2,337 371 278 10,446 1,767 2011 2,408 324 239 10,852 1,997 2009 1,841 286 213 7,291 1,483 Financial Highlights Unit: In thousands of KRW Assets Cash and bank deposits Investment financial asserts Card assets Loans Property and equipment Other financial assets Other non-financial assets Liabilities Borrowings Retirement benefit Other financial liabilities Other non-financial liabilities Equity Share capital Capital surplus Retained earnings Reserves Non-controlling interests 2012 (18th) 11,252,263,615 824,576,295 1,766,970 9,707,037,676 - 264,383,091 182,291,909 272,207,675 9,059,973,188 7,020,675,825 10,695,054 1,517,676,783 510,925,525 2,192,290,428 802,326,430 57,704,444 1,339,725,219 -7,485,485 19,820 2011 (17th) 10,851,933,716 863,054,403 1,766,970 9,374,266,682 469,647 187,398,080 162,617,273 262,360,661 8,855,250,685 7,071,760,496 17,774,550 1,291,498,924 474,216,715 1,996,683,031 802,326,430 57,704,444 1,148,396,656 -11,764,319 19,820 Consolidated Statements of Financial Position 2012 Hyundai Card Operating Income With the greatest brand power in the industry, Hyundai Card maintained its market dominance with innovative marketing strategies and achieved yearly operating income of KRW 233 billion in 2012. 11,252 Unit: In billions of KRW 2012 Hyundai Card Assets Unit: In thousands of KRW Operating revenue Operating expenses Operating income Non-operating income Non-operating expenses Income before income taxes Income tax expense Net income Other comprehensive income Total comprehensive income 2012 (18th) 2,525,635,172 2,292,358,378 233,276,794 2,366,836 3,126,019 232,517,611 41,189,048 191,328,563 4,278,834 195,607,397 2011 (17th) 2,408,319,434 2,084,099,901 324,219,533 1,059,081 1,661,276 323,617,338 84,969,756 238,647,582 -8,613,984 230,033,598 Consolidated Statements of Comprehensive Income Financial Highlights Hyundai Card -40 Unit: In billions of KRW Since launching in February 2012, Hyundai Life has focused on strengthening from within, realigning its sales organization and infrastructure, rather than expanding externally. 2012 Hyundai Life Operating Income 3,913 Unit: In billions of KRW 2012 Hyundai Life Assets Hyundai Life Unit: In billions of KRW Operating Revenue Operating Income Net Income Assets Equity FY2012 1,000 -40 -32 3,913 256 FY2010 1,012 5 5 2,988 144 FY2011 1,151 5 5 3,438 166 FY2009 890 17 15 2,499 146 Financial Highlights Unit: In thousands of KRW Assets Cash and Financial assets at fair value through profit or loss Available-for-sale securities Loans and other receivables Non-financial assets Separated account assets Liabilities Insurance contract liabilities Policyholders equity adjustment Borrowings Other financial liabilities Non-financial liabilities Separated account liabilities Equity Share capital Capital surplus Accumulated other comprehensive income and expenses Retained earnings 2012 (10th) 3,913,299,756 694,433,806 90,689,222 1,065,790,151 1,499,717,455 444,202,505 118,466,619 3,657,599,599 3,403,098,575 22,882,444 34,942,918 45,014,525 31,332,293 120,328,844 255,700,157 136,734,685 105,912,448 35,069,821 -22,016,797 2011 (9th) 3,438,235,364 738,623,234 71,736,496 1,212,990,576 1,057,740,828 235,844,305 121,299,926 3,272,196,600 3,048,185,256 14,815,892 35,000,000 20,462,366 30,485,226 123,247,860 166,038,764 98,273,150 44,573,571 4,756,965 18,435,078 Consolidated Statements of Financial Position Unit: In thousands of KRW Operating revenue Operating expenses Operating income Non-operating income Non-operating expenses Income before income taxes Income tax expense Net income Other comprehensive income Total comprehensive income 2012 (10th) 999,679,312 1,039,931,005 -40,251,694 221,692 941,570 -40,971,572 -8,966,770 -32,004,802 - - 2011 (9th) 1,150,617,423 1,145,934,436 4,682,987 - - 4,682,987 215,752 4,467,235 17,346,213 21,813,447 Consolidated Statements of Comprehensive Income * Hyundai Life Fiscal year (FY): From April 1 of each year to March 31 of the next year
  10. 10. 1918 With Numbers As Korea’s top commercial finance company, Hyundai Commercial has maintained its high standards of ROA of 3.01% and fortified its financial footing, despite increasing government regulations. Financial Highlights Hyundai Commercial Unit: In billions of KRW Operating Revenue Operating Income Net Income Assets Equity 2012 347 83 44 3,924 338 2010 236 59 58 2,720 181 2011 324 88 74 3,467 349 2009 163 28 28 1,629 109 Financial Highlights Unit: In thousands of KRW Assets Cash and deposits Securities Loans receivable Installment financial assets Lease receivables Property and equipment Other assets Liabilities Borrowings Other liabilities Equity Common stock Capital surplus Accumulated other comprehensive income and expenses Retained earnings Non-controlling interests 2012 (6th) 3,923,662,216 282,834,795 312,386,273 2,781,461,960 356,818,556 131,329,553 3,182,726 55,648,352 3,585,555,416 3,461,816,748 123,738,668 338,106,800 125,000,000 74,608,060 2,609,636 135,869,285 19,820 2011 (5th) 3,466,721,212 276,018,119 174,388,198 2,391,270,400 468,115,734 84,053,398 2,908,667 69,966,697 3,117,364,395 3,022,623,350 94,741,045 349,356,817 125,000,000 74,608,060 3,262,306 146,466,632 19,820 Consolidated Statements of Financial Position Unit: In thousands of KRW Operating revenue Operating expenses Operating income Non-operating income Non-operating expenses Income before income taxes Income tax expense Net income Other comprehensive income Total comprehensive income 2012 (6th) 346,691,670 263,883,218 82,808,452 11,271,953 27,997,283 66,083,123 22,435,670 43,647,453 -1,382,234 42,265,219 2011 (5th) 323,950,643 235,731,721 88,218,923 13,634,481 1,733,903 100,119,500 26,366,920 73,752,580 3,732,061 77,484,641 Consolidated Statements of Comprehensive Income Supported by stable profitability and asset soundness, Hyundai Capital defended its number one position in installment financing for Korea’s automotive market and achieved KRW 589 billion in operating income. Hyundai Capital Unit: In billions of KRW Operating Revenue Operating Income Net Income Assets Equity 2012 3,542 589 432 21,907 3,040 2010 3,274 630 489 20,749 2,237 2011 3,328 661 507 21,919 2,657 2009 2,989 541 411 15,855 2,156 Financial Highlights Unit: In thousands of KRW Assets Cash and deposits Securities Loans receivable Installment financial assets Lease receivables Leased assets Property and equipment Other assets Liabilities Borrowings Other liabilities Equity Common stock Capital surplus Accumulated other comprehensive income and expenses Retained earnings Non-controlling interests 2012 (20th) 21,907,263,734 1,302,173,380 119,079,647 12,068,395,788 3,738,530,104 2,805,421,540 1,127,279,327 320,738,491 425,645,456 18,867,512,540 17,015,642,491 1,851,870,049 3,039,751,194 496,537,175 407,539,067 -284,791 2,135,850,614 109,129 2011 (19th) 21,918,909,868 1,455,442,105 70,219,821 10,848,062,443 5,021,193,711 2,278,593,960 1,123,078,387 265,432,868 856,886,572 19,262,420,761 17,772,367,761 1,490,053,000 2,656,489,107 496,537,175 407,539,067 -50,840,571 1,803,144,426 109,010 Consolidated Statements of Financial Position Unit: In thousands of KRW Operating revenue Operating expenses Operating income Non-operating income Non-operating expenses Income before income taxes Income tax expense Net income Other comprehensive income Total comprehensive income 2012 (20th) 3,541,680,917 2,953,073,291 588,607,626 12,439,142 17,173,703 583,873,065 151,859,441 432,013,623 50,555,780 482,569,403 2011 (19th) 3,328,448,257 2,667,717,085 660,731,172 6,998,924 4,338,901 663,391,196 155,987,584 507,403,612 16,531,004 523,934,616 Consolidated Statements of Comprehensive Income 589 Unit: In billions of KRW 2012 Hyundai Capital Operating Income 21,907 Unit: In billions of KRW 2012 Hyundai Capital Assets 83 Unit: In billions of KRW 2012 Hyundai Commercial Operating Income 3,924 Unit: In billions of KRW 2012 Hyundai Commercial Assets
  11. 11. Products 2120 With Numbers Products “At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, we provide new customer value through our products.”
  12. 12. 2322 With Numbers Hyundai Card Insurance Products Hyundai Life ZERO A value-for-money insurance service that provides four core areas of coverage Term insurance: 110/120 Cancer coverage: 210/220 Coverage against the top five adult diseases: 310/320 Coverage for children 420 Life/term insurance A plan that provides lifetime protection and financial benefits in the case of death Annuities A pension plan providing monthly payments for living expenses Savings insurance An efficient plan that provides compound interest and the opportunity to accumulate a sizable sum of money with tax deduction benefits Variable universal life insurance A plan that provides death benefits to the amount of accumulated premium payments throughout one’s lifetime Variable annuity insurance A plan that provides benefits for living expenses to the amount of accumulated premium payments Medical reimbursement A health insurance plan that provides reimbursement of actual insurance medical expenses Special options Special options offered according to customer needs in addition to four main contractual insurance plans (universal life insurance, annuities, variable universal life insurance, and variable annuity insurance) Term options Accidental death Accidental disability Top five adult diseases Cancer (option to renew) Inpatient services (option to renew) Medical reimbursement (option to renew) Children services Loan Products Contractual insurance loan A service provided exclusively for Hyundai Life plan owners that allows for speedy and convenient loans by phone within the limits of cancellation refunds calculated from accumulated premium payments Credit loans A quick and simple credit loan service for Hyundai Life plan owners Home equity loans A convenient mortgage loan made possible via direct visits by loan counselors Retirement Pensions Principal guaranteed A plan that guarantees principal and interest according annuity plan to the credited interest rate at point of contract Performance-based variable A plan with a variable yield according to asset management annuity plan performance Services Hyundai Life’s Consulting services differentiated services include K-IFRS services Customized educational services Supplementary services Hyundai Life Premium the Black The first ever VVIP card exclusively for Korea’s top 0.05% the Purple The best VIP card for Korea’s top 5% the Red The hottest premium card, the Red Point M3 M2 A card for powerful point accumulation rewards M T3 Cashback X2 X A cashback card with a new concept ZERO MY BUSINESS M3 M2 M A card for business owners with powerful rewards and practical benefits X2 X MY COMPANY Executive An exclusive premium corporate card for executives offering corporate operations/ management solutions Platinum A platinum corporate card that heightens employee pride with numerous corporate benefits Diners / Check Diners A Diners Privilege Service Card with access to all Diners Air Lounges around the world C Check A debit card that allows for responsible spending within checking balances and the conveniences of an after-pay transit card C Hybrid A hybridized card that combines debit purchasing with responsible spending and credit services for one-stop card purchases Service Hyundai Card Hyundai Card’s exclusive lifestyle service for members PRIVIA MY BUSINESS A membership in financial services for economical business owners offering high Membership credit limits minus complicated conditions and a variety of fast and convenient benefits Finance Shop A space to experience the wealth of branding activities and financial services of Hyundai Card Hyundai Capital Products
  13. 13. 2524 With Numbers Financing commercial New car installment plan A plan that allows for smart purchases of commercial vehicles and construction vehicles and construction equipment equipment Used cars loan A plan for protected purchases of used commercial vehicles and construction equipment Corporate Financing Corporate loans Loans for funds in accordance with corporate business plans with credit rating or assets as collateral Corporate leasing Financing for facilities and equipment for business operations Real estate financing Large-scale corporate loans for real estate development with future profitability as collateral Factoring Specialized financial services for buying accounts receivable to provide funding Investment Finance Private equity investment Efficient methods for securing working capital and capital for equipment facility investments or corporate acquisition Fixed income investment Solutions to meet financial needs for all stages of corporate growth through systematic risk analysis Hyundai Capital Hyundai Commercial Auto Financing Auto installment plans Customized installment plan with terms according to customer selection Direct used car loan A simple, no-hassle used car finance plan Used car loan A reliable plan to finance used car purchases Car leasing A reasonable, upmarket car-leasing plan for auto enthusiasts Long-term rental car A rental car plan combining economical feasibility and convenience Corporate leasing and An auto plan that takes into account corporate HR and time rental cars and cost cutting Credit Loans Direct loan A DIRECT credit loan without complicated paperwork or in-person consultations Prime loan A convenient credit loan with welcoming in-person consultations MY BUSINESS A credit loan for business owners to raise funds for their businesses business owner loans Secured Loans Mortgage loans A mortgage loan with a maximum limit of 85% of real estate prices Bi-yearly rental loans A rental loan providing up to 80% in held rental deposits Korea Housing Finance Corporation A long-term mortgage loan designed by the Korea Housing Finance U-bogeumjari loan Corporation to allow customers to repay principal according to fixed interest rates over a period of time Auto collateral loans Fast, convenient loans on auto collateral Customer Services Plus+ Membership Customer finance protection service free of charge for Hyundai Capital Customers Auto Inside A one-stop, used car portal operated by Hyundai Capital Products
  14. 14. Global Partnership 2726 With Numbers Global Partnership “By joining hands with the world’s best, we have developed our global capabilities to reach out to the world.”
  15. 15. 2928 With Numbers Global Partnership Business Partnership : GE, SANTANDER Brand Partnership : MONOCLE, MoMA, TASCHEN, ZAGAT 2006.11 Opening of exclusive MoMA Store (Previously, MoMA Online Store Korea) after exclusive partnership with Hyundai Card (momastore.hyundaicard.com) 2008.11 Sponsors MoMA’s first traveling exhibition to Korea, Design: Humble Masterpieces 2009.02 Conducts Destination: Seoul with MoMA Retail to provide all-around support to domestic up-and-coming industrial designers to submit and ship their works to enter global markets 2009.11 Sponsors the exhibition Bauhaus 1919-1933: Workshops for Modernity at MoMA 2010.08 Establishes a three-year partnership with MoMA for an internship program to support nine Korean interns per year 2010.09 Sponsors film exhibition, Yeonghwa: Korean Film Today at MoMA 2010.10 Sponsors exhibition Abstract Expressionist New York at MoMA .2010.10 Hyundai Super Talk 01- Innovation in Art Lectures by MoMA Director Glenn Lowry and Chief Curator of Architecture and Design, Barry Bergdoll 2011.07 Exclusive sponsorship of exhibition, Talk to Me at MoMA 2011.11 Hyundai Card-MoMA Curator Visit Program, Lecture by Paola Antonelli, Senior Curator, Department of Architecture and Design 2012.12 Hyundai Card Culture Project 09 First in Asia to hold MoMA’s traveling exhibition, Tim Burton 2013.06 Exclusive sponsorship of exhibition, Le Corbusier: An Atlas of Modern Landscapes at MoMA 2006.03 Introduction to the Korean market after exclusive partnership with Hyundai Card 2010.02 Publishes ZAGAT Seoul Restaurants 2010 2011.02 Publishes ZAGAT Seoul Restaurants 2011 2012.02 Publishes ZAGAT Seoul Restaurants 2012 2012.08 Opening of ZAGAT Seoul Restaurants Online MY MENU 2009.06 Begins domestic sales of Monocle magazine after exclusive partnership with Hyundai Card 2010.04 Publishes Seoul: Monocle City Survey 2011.04 Hyundai Card Super Talk 02: Breaking the Trend, Making the Trend - Lecture by Monocle Editor-in-Chief Tyler Brule. 2009.09 Establishment of Hyundai Capital Germany GmbH 2010.05 Establishment of Hyundai Capital Europe GmbH 2011.04 Meeting between chairmen Mongkoo Chung and Emilio Botin 2012.07 Establishment of Hyundai Capital UK Ltd. 2004.08 Strategic partnership between Hyundai Capital and GE 2004.10 Launch of joint venture between Hyundai Capital-GE Capital 2005.08 Strategic partnership between Hyundai Card and GE 2005.10 Launch of joint venture between Hyundai Card-GE Capital 2006 GE provides Hyundai Capital a USD 600 million credit line 2007 GE provides Hyundai Capital USD 900 million in funding 2009 GE increases Hyundai Capital USD 1 billion credit line, totaling investment to KRW 1.9 trillion (2012. Q4) 2010 GE provides Hyundai Card USD 200 million credit line, totaling investment to KRW 724 bliion (2012. Q4) 2012 GE extends credit line for Hyundai Capital 2010.02 Opening of Taschen Online Book Store after exclusive partnership with Hyundai Card 2010.08 Opening of Taschen Pop-up Store
  16. 16. 31With Numbers Directors Executives Ted Chung President Sherwood Dodge Director Suk-joon Won Director Ju-hyuk Lee Director Yong-bae Lee Director Han-woo Park Director Bhupesh Gupta Outstanding Director Xavier Durand Outstanding Director Robert Morimoto Outstanding Director Jung-han Koo Outstanding Director, Audit Committee Member Kyeng-Soo Chae Outstanding Director, Audit Committee Member Do-sung Choi Outstanding Director, Audit Committee Member Ted Chung CEO Jung-hoe Kim Deputy CEO Sherwood Dodge Executive Vice President Yoo-no Hwang Head of Corporate Service Div. | Executive Vice President Byung-doo Kim Head of Risk Management Div. | Senior Vice President Suk-joon Won Head of Card Business Div. | Senior Vice President Ju-hyuk Lee Head of Financial Business Div. | Senior Vice President James Cho Head of HCA(Hyundai Capital America) | Senior Vice President Jung-in Kim Head of Planning Support Div. | Vice President Jin-tae Kim Head of Brand Div. | Vice President Yong-taek Hwang Head of Corporate Business Div. | Director Gun-woo Kim Deputy Head of Corporate Service Div. (IT) | Vice President Yoon-tae Kim Deputy Head of Corporate Service Div. (Finance) | Vice President Eun-gu Jang Deputy Head of Card Business Div. (Card Sales) | Vice President Hyun-joo Kim Deputy Head of Risk Management Div. | Director Sung-won Jin Head of Financial Business Dept. | Vice President Niclas Neglen Finance Representative | Director Tae-jin Kang Head of Strategic Planning Dept. and Innovation Dept. | Director In-hwan Kwak Head of Collection Support Dept. | Director Dae-kyoon Kwon Deputy Head of HCA(Hyundai Capital America) | Director Sung-wook Kwon Head of Fee Biz Dept. | Director Kyu-sik Kim Head of Business Legal Dept. | Director Deok-hwan Kim Head of Financial Business Marketing Dept. | Director Sang-woo Kim Head of Underwriting Dept. | Director Sung-moon Kim Head of Audit Dept. | Director Soo-kyung Kim Head of Corporate Planning Dept. | Director Jong-yoon Kim Head of CS Dept. | Director Chang-han Kim Head of Card Sales Dept. | Director Yeon-woong Beak Head of Collection Management Dept. | Director Hwan-jun Yang Head of IT Innovation Dept. | Director Myong-su Lee Head of Corporate Card Business Dept. | Director Mee-young Lee Head of CLM Dept. | Director Yoon-seok Lee Head of HR Dept. | Director Eric Jun Information Security Representative | Director Sung-weon Choi Head of Corporate Service Dept. | Director Jeong-wook Han Head of Digital Business Dept. | Director Directors Executives Hyundai Card 30 Directors Executives
  17. 17. 3332 With Numbers Directors Executives Hyundai Life Jin-hwan Choi President Byung-chul Choi Director Myung-sik Jang Audit Committee Member Ui-myung Park Outstanding Director Sung-pyo Hong Outstanding Director Kyung-yup Kim Outstanding Director Gwang-woo Park Outstanding Director Jin-hwan Choi CEO Ho-sung Suh Head of Corporate Management Div. | Senior Vice President Dae-kyung Kim Head of Sales Div. | Vice President Jong-woo Kim Head of Asset Management Div. | Vice President Myung-sik Jang Auditor Jeong-hak Son Head of Principal Investment Dept. | Vice President Bo-yoon Kang Head of Appointed Actuary Dept. | Director Dae-keum Kang Head of Insurance Risk Management Dept. | Director In-ju Kim Head of Yongnam Regional Headquarters | Director Sung-hoon Park Head of TM Sales Dept. | Director Hyun-woong Park Head of Loan Business Dept. | Director Kwan-sun Ahn Head of Strategic Planning Dept. | Director Chang-geun Yang Head of IT Dept. | Director Young-chan Woo Head of Corporate Sales Dept. | Director Sang-lim Lee Head of Sales Dept. | Director Jin-bong Han Head of Corporate Service Dept. | Director Hyundai Capital Ted Chung President Yoo-no Hwang Director Sherwood Dodge Director Won-hee Lee Director Yong-bae Lee Director Bernard Van Bunnik Director Matthew Richard Susser Director Sung-moon Kim Auditor Ted Chung CEO Sherwood Dodge Deputy CEO Yoo-no Hwang Head of Corporate Service Div. | Executive Vice President Byung-doo Kim Head of Risk Management Div. | Senior Vice President Suk-joon Won Head of Card Business Div. | Senior Vice President Ju-hyuk Lee Head of Financial Business Div. | Senior Vice President Keun-bae Jung Head of Auto Business Div. | Senior Vice President James Cho Head of HCA(Hyundai Capital America) | Senior Vice President Jung-in Kim Head of Planning Support Div. | Vice President Jin-tae Kim Head of Brand Div. | Vice President Yong-taek Hwang Head of Corporate Business Div. | Director Gun-woo Kim Deputy Head of Corporate Service Div. (IT) | Vice President Yoon-tae Kim Deputy Head of Corporate Service Div. (Finance) | Vice President Ick-jin Park Deputy Head of Auto Business Div. | Vice President Eun-gu Jang Deputy Head of Card Business Div. (Card Sales) | Vice President Hyun-joo Kim Deputy Head of Risk Management Div. | Director Sung-moon Kim Auditor Jin-woo Choi Head of Corporate finance Dept. | Senior Vice President Sam Suh Head of Overseas Business Dept. | Vice President Sung-won Jin Head of Financial Business Dept. | Vice President Niclas Neglen Finance Representative | Director Waller Blackwel Corporate Finance Risk Controller | Director Kwi-ho Kang Head of Auto Finance Dept. II | Director Tae-jin Kang Head of Strategic Planning Dept. and Innovation Dept. | Director In-hwan Kwak Head of Collection Support Dept. | Director Dae-kyoon Kwon Deputy Head of HCA(Hyundai Capital America) | Director Kyu-sik Kim Head of Business Legal Dept. | Director Deok-hwan Kim Head of Financial Business Marketing Dept. | Director Sang-woo Kim Head of Underwriting Dept. | Director Soo-kyung Kim Head of Corporate Planning Dept. | Director Yeong-sam Kim Head of Auto Finance Dept. I | Director Jong-yoon Kim Head of CS Dept. | Director Hong-kyun Kim Head of Finance Sales Dept. | Director Yeon-woong Beak Head of Collection Management Dept. | Director Hwan-jun Yang Head of IT Innovation Dept. | Director Woon-tak Yeo Head of Seobu Collection Regional Headquarter | Director Kyo-chang Lee Head of BHAF(Beijing Hyundai Auto Finance) | Director Yoon-seok Lee Head of HR Dept. | Director Dai-gyu Lim Head of Keongin West Auto Regional Headquarter | Director Kil-ho Jun Head of Auto Finance Dept. III | Director Eric Jun Information Security Representative | Director Sung-weon Choi Head of Corporate Service Dept. | Director Jeong-wook Han Head of Digital Business Dept. | Director Directors Executives Hyundai Commercial Ted Chung President Byeong-hee Kim Director Byeong-doo Kim Director Byeong-ku Jeon Director Won-hee Lee Director Sung-moon Kim Auditor Ted Chung CEO Byung-hui Lee Senior Vice President Hyun-joo Kim Deputy Head of Risk Management Div. | Director Sung-moon Kim Auditor Jong-hong Koo Head of Sales Support Dept. | Director Hwan-jun Yang Head of IT Innovation Dept. | Director Byung-hui Lee Head of Industrial Finance Dept. | Director Ki-hwa Jang Head of Corporate Finance Dept. | Director Byung-sik Jang Head of Corporate Risk Management Dept. | Director Byeong-ku Jeon Head of Corporate Planning Dept. | Director Directors Executives Directors Executives
  18. 18. 03 / 2013 DATE Bloomberg Markets MEDIA Media Articles 34 35
  19. 19. 03 / 2013 DATE Bloomberg Markets MEDIA 3736
  20. 20. 03 / 2013 DATE Bloomberg Markets MEDIA 3938
  21. 21. 05 / 2013 DATE Monocle Reprinted by Permission of Monocle - May 2013 issue © Monocle MEDIA 4140
  22. 22. 4342 05.17 / 2013 DATE Joongang Ilbo MEDIA Yellow Cab? No, it’s a Smart Taxi Kia Motors and Hyundai Card to reveal a new concept car, ‘My Taxi’ London has black cabs; New York has yellow cabs. What about Seoul? Kia Motors and Hyundai Card have worked together to develop a new concept taxi that could represent the city. Hyundai Card redesigned Kia Motors’ Ray and installed a smart system which could calculate the expected fare and provide other useful information. 03.02 / 2013 DATE Hankook Ilbo MEDIA Who Designed Those Pretty Blue Robber Gloves? Hyundai Card’s design team advances into household and kitchenware design. The new brand ‘OYSTER’ is attracting high attention. The Hyundai Card Design Team does not restrict itself only to credit card designs. Recently Hyundai Card launched the kitchenware brand ‘Oyster’. What they are trying to do is help consumers feel and experience the finance company in unexpected ways. Hyundai Card has donated its design talent in various fields.
  23. 23. 4544 06.13 / 2013 DATE Dong-a Ilbo MEDIA 04.26 / 2013 DATE Chosun Ilbo MEDIA “When Customers are King, Employees are King Too” Hyundai Card’s effort to innovate customer satisfaction “Hang up Phone When Customer Swears” As Korean society regards customers as being always right, employees who directly deal with customers’ everyday often face emotional challenges. Hyundai Card has re-defined the meaning of customer satisfaction and balanced its policy to satisfy both customers and employees. Employees are empowered to stop customers who act or speak irrationally. Since then, the staff turnover rate has been significantly reduced. Rather than always saying ‘Yes,’ Hyundai Card is facing down insistent customers who behave irrationally. Hyundai Card regards employee protection as being as important as customer satisfaction. Hyundai Card also revised the telecommunication scripts of its customer service center to deal with customers with an appropriate sense of courtesy.
  24. 24. 4746 01.16 / 2013 DATE Maekyung Economy MEDIA Changing the Old Ways of the Insurance Business Insurance is often hard to understand. Ted Chung, Chairman of the Board of Hyundai Life and CEO Jin- hwan Choi, are now re-defining the insurance business by going back to basics. Their first product ‘Hyundai Life ZERO’ focuses on simplicity. From branding to coverage, everything is designed so that the product can be understood without confusion or difficulties.
  25. 25. 4948 04.22 / 2013 DATE Chosun Ilbo MEDIA 12.20 / 2012 DATE Joongang Ilbo MEDIA Hyundai Card and Hyundai Capital Recruit Interns from all over the World Since 2010 Hyundai Card and Hyundai Capital have recruited global interns. This year, 376 students applied for 10 openings. The number of applications is increasing every year. The rise of Hyundai Motor Group overseas, and the influence of the Korean Wave, seems to be contributing to the success of the global internship program. Hyundai Card’s Television Commercial Moves Young People Hyundai Card’s new TV ad “Make Your Own Rule” has become a hot issue on SNS. Rather than delivering a soft message to youngsters – such as “healing” or “mentoring” - Hyundai Card challenges youth by telling them that the world is in their hands and youth should be the ones to change the world, rather than waiting for others to give them a solution.
  26. 26. 11.19 / 2012 DATE Hankyoreh MEDIA 09.25 / 2013 DATE Dong-a Ilbo MEDIA 5150 Dream Project Innovates Traditional Market and Small Business Hyundai Card and Hyundai Capital support small businesses by sharing their expertise through “Dream Project.”The project has helped a range of stores, from a tofu store owned by a North Korean defector to a beauty parlor ran by a single mom, to dramatically increase their sales. The project was internationally recognized when it won the service design category at IDEA. Working as a Mentor for Small Business Owner with 32 Years of Experience in Finance Man-seob Park was retired from Hyundai Capital when one day he received a call that suggesting working as a CSR partner for Hyundai Capital and Hyundai Card. He re-started his career as a consultant for a small business owner who is facing difficulties. Under the ‘Dream Project’ program, he visits small stores and gives advice on marketing and finance. The CSR partner program is a good example of how to utilize the talents of retired executives in a meaningful way.
  27. 27. 5352 10 / 2012 DATE Arena MEDIA A Week at Wonderland Editor’s one-week experience at Hyundai Card At Hyundai Card, the word ‘creative’ suits best. Staying at the office of Hyundai Card for a week one could realize where their creativity is coming from. The design of their office building, their facilities and the way they work - a range of tangible and intangible things - all contribute to ‘Hyundai Card-ness’.
  28. 28. 5554 10 / 2012 DATE Arena MEDIA
  29. 29. 10 / 2012 DATE Arena MEDIA 5756
  30. 30. 10 / 2012 DATE Arena MEDIA 5958
  31. 31. 09.26 / 2012 DATE Korea Economic Daily MEDIA 07.16 / 2012 DATE Chosun Ilbo MEDIA Hyundai Capital Advances into Chinese Car Market Starts auto finance business with Hyundai Motor “The Reason Why Hyundai Capital Went to UK? To Learn the Business from the World’s Center of Finance” Hyundai Capital has established a joint venture in the UK with Santander Consumer Finance Hyundai Capital announced that Hyundai Motor Group and the Beijing Automotive Industry Group have launched Beijing Hyundai Auto Finance Co., Ltd., a joint venture to provide auto financing for Hyundai Motor Company and Kia Motors Cooperation in China. For Hyundai and Kia customers, Beijing Hyundai Auto Finance will provide a speedier process and diversified products, including an advanced loan approval system which offers loans three days after the day the loan was requested. Hyundai Capital announced that Hyundai Motor Group and the Beijing Automotive Industry Group have launched Beijing Hyundai Auto Finance Co., Ltd., a joint venture to provide auto financing for Hyundai Motor Company and Kia Motors Cooperation in China. For Hyundai and Kia customers, Beijing Hyundai Auto Finance will provide a speedier process and diversified products, including an advanced loan approval system which offers loans three days after the day the loan was requested. 6160
  32. 32. 06.11 / 2012 DATE Financial Times MEDIA 6362 06.07 / 2012 DATE Joongang Ilbo MEDIA When Hyundai Card Met YG Entertainment YG Entertainment, a company managing big K-pop stars, worked together with Hyundai Card to renew the branding of the group Big Bang. Although they are different companies, they found that they both value the spirit of creativity and hard work. Hyundai Card designed Big Bang’s new album cover and also published a brand guide book for Big Bang’s fans.
  33. 33. 01.28 / 2012 DATE Maeil Business Newspaper MEDIA 05.25 / 2012 DATE Money Today MEDIA The Reason Why World Famous Artists Fell in Love with Hyundai Card Hyundai Card holds its 17th Super Concert with Eminem Hyundai Card has been sponsoring major artists’ concerts under the title “Super Concert.” It’s already been six years, and famous names such as Lady Gaga and Eminem held shows under the “Super Concert” banner. Many people ask why a credit company holds concerts. Hyundai Card’s answer is that they became a trendsetting company by holding events like the “Super Concert” and also gathered more customers. 6564 “Put Your Identity” as a Branding Strategy for the Age Which Values Sincerity By personalizing the brand, Hyundai Card talks to customers through means beyond commercials Companies can no longer rely on commercials to talk to their customers. There are many different ways for customers to experience the brand and Hyundai Card is pioneering new ways to express brand. From the way Hyundai headquarters is designed to look of monthly card bills to the concert it organizes, people feels a very consistent brand with distilled functionality.
  34. 34. 03.03 / 2012 DATE Maeil Business Newspaper MEDIA 08.31 / 2013 DATE Chosun Ilbo MEDIA ‘Innovative Management of Hyundai Card’ became Official Lecture at Seoul National University It is unusual for a certain company’s story to became an official lecture at a university, but the executives and CEO of Hyundai Card will give a lecture on how they managed the company in the most innovative way. They will try to share the knowhow of their fast growth and their efforts to build a corporate culture. 6766 Interview with First Four Global Employees of Hyundai Capital The number of global employees at Hyundai Capital is increasing as the firm is actively entering the global market. About nine global employees are currently working at Hyundai Capital in various fields, from developing overseas business opportunities to risk management.
  35. 35. 03.23 / 2012 DATE Dong-a Ilbo MEDIA Korean Wave in Management? US MBA Students Learning from Hyundai Card Students from MIT Sloan MBA visit Hyundai Card Students from overseas also show interest in Hyundai Card’s innovative business. After a talk with CEO Ted Chung, they all said that Hyundai Card has changed the rules of the finance business. They also said they’ ve seen many innovative products made in Korea, but had not seen innovative systems like those employed at Hyundai Card.. 68
  36. 36. Without Numbers Contents CEO’s Letter EXPRESSION Branding Marketing EMPOWERMENT Corporate Social Responsibility PRIDE Corporate Culture EXPRESSION Index EMPOWERMENT Index PRIDE Index 02 05 37 55 87 89 91 Thinking beyond numbers
  37. 37. CEO's Letter Our challenges know no limits because we focus on our potential that goes beyond just numbers. CEO’s Letter Hyundai Card, Hyundai Capital, Hyundai Commercial CEO Chairman of the Board, Hyundai Life Ted Chung At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, we welcome challenge. Our challenges know no limits. We strive to reach our potential, and our energy is our source of differentiation. This has brought success to our businesses. In 2012, Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial took on countless challenges and experiments. Hyundai Card MUSIC posed questions that challenged the digital music market on a fundamental level. Advocating for musicians, we structured Hyundai Card MUSIC in a way that allows for profits to be rightfully relayed to songwriters. Furthermore, in 2013, Hyundai Card MUSIC became an open platform to welcome all users, including non-Hyundai Card members. Hyundai Card MUSIC was made possible by combining Hyundai Card’s unconventional thinking and the independent spirit of underground musicians. Similar collaborations with creative partners in different industries, including music firm YG Entertainment, Tangram Design Studio, and discount retail chain emart, have resulted in unexpected synergies and interesting developments, such as novel kitchen utensils and the rebranding of one of Korea’s top idol groups through design. Such projects presented novel experiences for our customers and opportunities to strengthen our identity. In addition, working together with innovative companies provided us with new stimulus for growth. The newly unveiled Hyundai Card Design Library houses the best design titles, provides a space for visitors to immerse themselves in the world of design and allows them to search for inspiration. Through the establishment of the Design Library, we hoped to show our customers the reach of our horizons resulting from our focus on potential beyond numbers. This motivation is also present in our initiatives in corporate social responsibility. At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, we believe that talent donation rather than monetary contributions can bring fundamental change. In programs such as “Dream Project”, “SNU-Hyundai Card School of Mentors”, and “Art Stage”, our diverse approach to CSR is based on our commitment to showing the way and enabling people to achieve their goals themselves rather than achieving them in their stead. At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, we think beyond numbers because we dream of extraordinary goals. We are not complacent with becoming a company that is simply large in size and profits. We wish to be remembered as a company that challenges and redefines market rules while continuously providing new value for our customers and for society at large. We still have much to offer, and our thinking beyond numbers will continue into our future. Without Numbers 0302
  38. 38. emart X Hyundai Card : OYSTER Expression EXPRESSION Branding Marketing We write our own story about our origins in finance and numbers. Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial are considered marketing and branding powerhouses, making them rarities among financial companies. We were able to achieve this feat by writing our own stories to include what our customers wanted to know about us. At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, we strive to communicate our corporate strategies and vision, in addition to the innovative stories behind our products via consistent storytelling. This approach differs greatly from our competitors and even corporations in other industries that tend to focus on marketing and public relations for a specific product or brand. Our current customers wish to know the entire story of our products, our corporate identity, our headquarters and other aspects of Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial. Even card members, who like benefits without baggage - as offered by our ZERO Card - are interested in how our headquarters and our efficient way of working are consistent with our simple, yet refined, approach to card plate designs. We often talk about how we offer unique experiences, which are made possible only when our products and corporate philosophy convey a consistent story. As a financial company, we cannot function without numbers, but we maintain our focus on our broader potential. Certainly, we can attract new customers with numbers and products, but it is only through our own story and the diverse ways to experience that story that allows us to communicate closely with our customers. At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, we design new ways to communicate our story and we continue to offer our customers unique experiences via our products and services. This is how we approach our marketing and branding. 05Without Numbers04
  39. 39. Expression EXPRESSION BrandingMarketing Wewriteourown storyaboutour originsinfinance andnumbers. HyundaiCard,HyundaiLife,HyundaiCapital,andHyundaiCommercialare consideredmarketingandbrandingpowerhouses,makingthemraritiesamong financialcompanies.Wewereabletoachievethisfeatbywritingourown storiestoincludewhatourcustomerswantedtoknowaboutus. AtHyundaiCard,HyundaiLife,HyundaiCapital,andHyundaiCommercial, westrivetocommunicateourcorporatestrategiesandvision,inadditionto theinnovativestoriesbehindourproductsviaconsistentstorytelling.This approachdiffersgreatlyfromourcompetitorsandevencorporationsinother industriesthattendtofocusonmarketingandpublicrelationsforaspecific productorbrand.Ourcurrentcustomerswishtoknowtheentirestoryof ourproducts,ourcorporateidentity,ourheadquartersandotheraspectsof HyundaiCard,HyundaiLife,HyundaiCapital,andHyundaiCommercial.Even cardmembers,wholikebenefitswithoutbaggage-asofferedbyourZERO Card-areinterestedinhowourheadquartersandourefficientwayofworking areconsistentwithoursimple,yetrefined,approachtocardplatedesigns.We oftentalkabouthowweofferuniqueexperiences,whicharemadepossible onlywhenourproductsandcorporatephilosophyconveyaconsistentstory. Asafinancialcompany,wecannotfunctionwithoutnumbers,butwemaintain ourfocusonourbroaderpotential.Certainly,wecanattractnewcustomers withnumbersandproducts,butitisonlythroughourownstoryandthediverse waystoexperiencethatstorythatallowsustocommunicatecloselywith ourcustomers.AtHyundaiCard,HyundaiLife,HyundaiCapital,andHyundai Commercial,wedesignnewwaystocommunicateourstoryandwecontinue toofferourcustomersuniqueexperiencesviaourproductsandservices.Thisis howweapproachourmarketingandbranding. 06 WithoutNumbers 07
  40. 40. 0908
  41. 41. YG X Hyundai CardYG X Hyundai Card : BIGBANG Tangram X Hyundai Card : SMART CASE 1110
  42. 42. Hyundai Card DESIGN LIBRARY 1312
  43. 43. 1514
  44. 44. CorporateCulture Hyundai Card MUSIC Pop-up Store 1716
  45. 45. 컨벤션 홀(Convention Hall) House of the Purple 1918
  46. 46. Air Lounge 2120
  47. 47. Hyundai Card Culture Project 2322
  48. 48. it card 2524
  49. 49. 2726
  50. 50. the Purple 2928
  51. 51. the Red 3130
  52. 52. Youandi Modern CI/BI Guide 3332
  53. 53. Hyundai Life ZERO Hyundai Card Brand Portfolio 3534
  54. 54. Dream Project Shop No.7 : The Honest Butcher Empowerment EMPOWERMENT Corporate Social Responsibility We guide and provide small businesses with an encouraging environment to design their own paths rather than simply achieving their dreams in their stead. At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, we strive to address the true needs of people through our CSR initiatives. Some companies that speak about monetary donations and number of participants assisted are driven only by superficial publicity aims and fail to provide true value to those in need. Through our CSR initiatives, we aim to share what we do best and foster financial independent and successful businesses. The motivation behind our CSR programs is the reason many consider our initiatives to be exceptional. Among our CSR activities are “Dream Project”, which helps small business owners to get back up their feet, and “Dream Education”, which provides underprivileged youth with practical job training to foster financial independence. Participants in Dream Project are not simply recipients of financial resources. They are strongly encouraged to share their ideas and know-how with our staff and regain confidence throughout the business renewal process. As a financial company, it is highly rewarding for us to be able to assist those in financial trouble by rebuilding their business capabilities and their potential for success. We also aim to facilitate and optimize talent donations for those in need. Through “Art Stage”, we sponsor students of the Korea National University of the Arts who volunteer their time and musical talent to perform for child cancer patients, children residing in welfare institutions, and our neighbors in need. Students of the prestigious Seoul National University (SNU) and underprivileged high school students walk side by side towards a brighter future through the “SNU-Hyundai Card School of Mentors”, a program that provides scholarships to students who provide academic tutoring and mentoring for their mentees. We are not the main characters in our CSR success stories. At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, we strive to approach CSR in a way that reflects our commitment to our customers and society at large. 37Without Numbers36
  55. 55. Empowerment EMPOWERMENT CorporateSocialResponsibility Weguideand providesmall businesseswith anencouraging environmentto designtheirown pathsratherthan simplyachieving theirdreamsin theirstead. AtHyundaiCard,HyundaiLife,HyundaiCapital,andHyundaiCommercial,we strivetoaddressthetrueneedsofpeoplethroughourCSRinitiatives.Some companiesthatspeakaboutmonetarydonationsandnumberofparticipants assistedaredrivenonlybysuperficialpublicityaimsandfailtoprovidetrue valuetothoseinneed.ThroughourCSRinitiatives,weaimtosharewhatwe dobestandfosterfinancialindependentandsuccessfulbusinesses. ThemotivationbehindourCSRprogramsisthereasonmanyconsiderour initiativestobeexceptional.AmongourCSRactivitiesare“DreamProject”, whichhelpssmallbusinessownerstogetbackuptheirfeet,and“Dream Education”,whichprovidesunderprivilegedyouthwithpracticaljobtraining tofosterfinancialindependence.ParticipantsinDreamProjectarenotsimply recipientsoffinancialresources.Theyarestronglyencouragedtosharetheir ideasandknow-howwithourstaffandregainconfidencethroughoutthe businessrenewalprocess.Asafinancialcompany,itishighlyrewardingfor ustobeabletoassistthoseinfinancialtroublebyrebuildingtheirbusiness capabilitiesandtheirpotentialforsuccess.Wealsoaimtofacilitateand optimizetalentdonationsforthoseinneed. Through“ArtStage”,wesponsorstudentsoftheKoreaNationalUniversityof theArtswhovolunteertheirtimeandmusicaltalenttoperformforchildcancer patients,childrenresidinginwelfareinstitutions,andourneighborsinneed. StudentsoftheprestigiousSeoulNationalUniversity(SNU)andunderprivileged highschoolstudentswalksidebysidetowardsabrighterfuturethroughthe “SNU-HyundaiCardSchoolofMentors”,aprogramthatprovidesscholarships tostudentswhoprovideacademictutoringandmentoringfortheirmentees. WearenotthemaincharactersinourCSRsuccessstories.AtHyundaiCard, HyundaiLife,HyundaiCapital,andHyundaiCommercial,westrivetoapproach CSRinawaythatreflectsourcommitmenttoourcustomersandsocietyatlarge. 38 WithoutNumbers 39
  56. 56. Dream Project Shop No.6 : Dduk Galore 4140
  57. 57. Dream Project Shop No. 5 : Dr. Bubble Dry Cleaners 4342
  58. 58. Dream Project Shop No. 4 : Sasha Hair Dream Project Shop No. 3 : Bean Love 4544
  59. 59. Dream Project Shop No. 2 : Long Legged Mister’s Dream Project Shop No. 1 : Sunlight Orchard 4746
  60. 60. Dream Education Project SNU-Hyundai Card School of Mentors 4948
  61. 61. Art Stage Mini Volunteer Program (M.V.P) 5150
  62. 62. Families Guarding Traditions Exciting Experiences 5352
  63. 63. PRIDE Book Pride PRIDE Corporate Culture Our corporate culture is rooted in our strong conviction. When it comes to managing a company, we often hear about how corporate culture is important. We see many companies investing in corporate culture, but struggling to foster one that is consistent among their employees and customers. There are many reasons behind this, but essentially, companies often only have a vague idea of what corporate culture is and where to begin. At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, we build our corporate culture based on our strong conviction, our ideals and our aims for our industry. Our strong conviction is based on our goal to redefine the financial industry. This goal requires new perspectives as well as diversity and freewheeling on top of rigorous discipline. In order to instill conviction among our employees, there must be a unique corporate culture. We act and think according to culture, and culture cannot be acquired simply via corporate slogans and training. Therefore, we deem it important to develop corporate culture by inculcating experience in the most direct way and showing by example. Investing in our headquarters is not simply for our employees to feel pride. Our practical mindset is exemplified in how our executive offices are designed: small yet transparent and without unnecessary stuffs. During meetings, we discourage note-taking or the assignment of seating by rank, in order to foster free discussion. In recruiting talent, we look to various industries in order to accumulate different perspectives in our talent pool. At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, our corporate culture allows for us to realize our conviction and to feel PRIDE in what we do today and tomorrow. 55Without Numbers54
  64. 64. Pride PRIDE CorporateCulture Ourcorporate cultureisrooted inourstrong conviction. Whenitcomestomanagingacompany,weoftenhearabouthowcorporate cultureisimportant.Weseemanycompaniesinvestingincorporateculture, butstrugglingtofosteronethatisconsistentamongtheiremployeesand customers.Therearemanyreasonsbehindthis,butessentially,companies oftenonlyhaveavagueideaofwhatcorporatecultureisandwheretobegin. AtHyundaiCard,HyundaiLife,HyundaiCapital,andHyundaiCommercial,we buildourcorporateculturebasedonourstrongconviction,ouridealsandour aimsforourindustry. Ourstrongconvictionisbasedonourgoaltoredefinethefinancialindustry. Thisgoalrequiresnewperspectivesaswellasdiversityandfreewheelingontop ofrigorousdiscipline.Inordertoinstillconvictionamongouremployees,there mustbeauniquecorporateculture.Weactandthinkaccordingtoculture,and culturecannotbeacquiredsimplyviacorporateslogansandtraining.Therefore, wedeemitimportanttodevelopcorporateculturebyinculcatingexperiencein themostdirectwayandshowingbyexample. Investinginourheadquartersisnotsimplyforouremployeestofeelpride. Ourpracticalmindsetisexemplifiedinhowourexecutiveofficesaredesigned: smallyettransparentandwithoutunnecessarystuffs.Duringmeetings,we discouragenote-takingortheassignmentofseatingbyrank,inordertofoster freediscussion.Inrecruitingtalent,welooktovariousindustriesinorderto accumulatedifferentperspectivesinourtalentpool.AtHyundaiCard,Hyundai Life,HyundaiCapital,andHyundaiCommercial,ourcorporatecultureallowsfor ustorealizeourconvictionandtofeelPRIDEinwhatwedotodayandtomorrow. 56 WithoutNumbers 57
  65. 65. Headquarters of Hyundai Card, Hyundai Capital, and Hyundai Commercial 5958
  66. 66. Wailing Wall 6160
  67. 67. Media Zone 6362
  68. 68. Auditorium Idea Table 6564
  69. 69. Market Place Townhall Meeting 6766
  70. 70. Focus Meeting Management Strategy Workshop 6968
  71. 71. Design Lab 7170
  72. 72. 경영전략워크샵The Information Resource Center 7372
  73. 73. Hyundai Capital America Headquarters 7574
  74. 74. Year-end Party 7776
  75. 75. Bike Zone Employee Cafeteria 7978
  76. 76. Cafe M the Box 8180
  77. 77. Print Wash 사우나(Sauna) + 수면실Sauna + Sleeping Lounge 8382
  78. 78. Fitness Center Table Tennis Table 8584
  79. 79. the Table EXPRESSION Index Branding Marketing Expression 04 emart X Hyundai Card : OYSTER A lifestyle brand made in conjunction with emart with a design that appeals universally to all smart consumers who strive for style. 10 YG X Hyundai Card : BIGBANG YG x Hyundai Card is a collaboration that brought together the differentiated know-how of finance and entertainment professionals in a rebranding project for mega-band BIGBANG. 11 Tangram X Hyundai Card : SMART CASE This iPhone 5 case with a pocket for credit cards and a grip-friendly design was created by novel thinking and imagination revolving around credit cards. 12 Hyundai Card DESIGN LIBRARY A space to immerse in contemplation. By reading, our mental activities enjoy freedom. Books are the analog flipside to our digital generation. 16 Hyundai Card MUSIC Pop-up Store A unique pop-up store that allows visitors to experience Hyundai Card MUSIC in an offline space whose interior décor is consistent with the design identity of Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial. 18 House of the Purple A place for Hyundai Card’s premium card member, the House of Purple is a design salon with around 150 one-of-a-kind décor pieces and lush furnishings. 20 Air Lounge Hyundai Card Air Lounge is a members- only air lounge for travelers to recharge before their flight and take advantage of Hyundai’s wide range of customized services. The Air Lounge was awarded the Institute Honor Award for Interior Architecture by the American Institute of Architects in 2012. 22 Hyundai Card Culture Project Hyundai Card Culture Project is a cultural marketing project that introduces Korean audiences to iconic figures from all over the world. Most recently, Culture Project 09 hosted Tim Burton, a traveling exhibition that made Seoul its first stop in Asia. 24 it card Hyundai Card addresses the needs of our card members to express their unique identities by offering customized card plating through the launch of it card. 28 the Purple Sometimes an image is more powerful than words to express the Purple. This image illustrates the lifestyle of the Purple’s member. 30 the Red ‘The hottest preminum’ describes the Red at the best. This image expresses the Red with the keyword of ‘confidence’, ‘freedom’ and ‘style’. 32 Youandi Modern At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, our identity began with establishing our very own corporate typeface. In 2004, Youandi was created and later evolved into Youandi Modern, which combines English and Korean into a single font and features enhanced legibility. 33 CI/BI Guide From designing a small brochure to building our Headquarters, our CI/BI is applied consistently according to our CI/BI guide. 34 Hyundai Life ZERO Hyundai Life ZERO is an insurance plan that eliminates complicated provisions and offers easy-to-understand benefits. Just like its name, its insurance terms are neatly packaged in simple design. 35 Hyundai Card Brand Portfolio Hyundai Card’s brand portfolio was built upon two elements – points and cashback As exemplified by our brand portfolio, we believe credit card benefits should be as transparent as possible for our card members. 87Without Numbers86
  80. 80. EMPOWERMENT Index Corporate Social Responsibility Empowerment 36 Dream Project Shop No. 7 : The Honest Butcher Together with Hyundai Motor Micro Credit Foundation, Hyundai Card and Hyundai Capital aim to help neighborhood business owners become self-sufficient. Rather than simply providing financial support, we coach small businesses to establish a systematic infrastructure through consulting services, interior decoration planning, and marketing advice. 40 Dream Project Shop No. 6 : Dduk Galore By launching a special menu targeting Yangpyong Market Special Days and increasing delivery orders, Dduk (rice cake) Galore increased their margins and overall profitability and revenues. 42 Dream Project Shop No. 5 : Dr. Bubble Dry Cleaners Dr. Bubble Dry Cleaners re-established their image as a professional dry cleaner through a major rebranding process, technical training, and interior re-design that resulted in a 50% increase in revenues. 44 Dream Project Shop No. 4 : Sasha Hair Despite the limited numbers of customers in its neighborhood, Sasha Hair successfully attracted new customers from a younger age group by learning new hair cutting and styling techniques and upgrading its interior design. 45 Dream Project Shop No. 3 : Bean Love This restaurant achieved high revenues by taking a unique business item, namely North Korean style tofu, then benefited greatly from business consulting, store space renovation, interior design, and guidance on storefront signage. 46 Dream Project Shop No. 2 : Long Legged Mister’s. A snack shop that opened in front of Sungshin Women’s University, it was reborn as a business in tune with the taste buds of female college students by revamping its storefront and improving its entire menu and recipes. 47 Dream Project Shop No. 1 : Sunlight Orchard In October 2010, Dream Project Shop No. 1 opened its doors in Inwang Market, Hongjaedong, Seoul. The shop received support in re-establishing its infrastructure from renaming the business to packaging and marketing, which resulted in a two-fold increase in sales. 48 Dream Education Project A training program for underprivileged youth to gain financial independence and overcome the difficulties of finding employment via all-around support ranging from acquiring educational certifications to securing positions. Conducted in conjunction with Hyundai Motor Micro Credit Foundation’s Smile Learning Center. 49 SNU-Hyundai Card School of Mentors A tutoring-mentorship program linking high school students with Seoul National University students who volunteer their time in tutoring major subjects and providing mentoring in exchange for tuition support from Hyundai Card. 50 Art Stage A culture and arts initiative comprised of students from the Korea National University of the Arts who perform for disadvantaged members of our community. Hyundai Card Hyundai Capital provide scholarships to encourage student musicians who donate their music talent. 51 Mini Volunteer Program (M.V.P) A CSR program for employees and their families to form groups to take part in volunteer projects through talent donations and other forms of service. Employees from abroad have actively participated in this program. 52 Families Guarding Traditions This program invites employees and their families to appreciate and protect cultural artifacts. In August 2012, Hyundai Card participated in the purchase of the old Korean Legation Building in Washington DC and has continued its efforts to protect cultural relics. 53 Exciting Experiences Established in 2011, Exciting Experiences is a CSR program for underprivileged children who are encouraged to experience the outdoors through cultural events. 89Without Numbers
  81. 81. PRIDE Index Corporate Culture Pride 54 PRIDE Book The PRIDE Book summarizes our corporate culture at Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial and the way we work, which is the true source of our competitiveness. Employees who work with pride confront their work with passion, and a company driven by those with passion will inevitably grow. PRIDE is why we work. 58 Headquarters of Hyundai Card, Hyundai Capital, and Hyundai Commercial Our headquarters were designed according to a consistent design strategy and concept. These functional, yet sophisticated offices reflect the ways in which we approach our work. 60 Wailing Wall The “Wailing Wall” broadcasts real-time customers’ complaints, meaning our employees always have an open ear to the voice of our customers. 62 Media Zone A space for the storytelling of our transformation and innovation. 64 Auditorium With 108 seats, the Auditorium is a multi- purpose space for performances, meetings, and lectures. Our state-of-the-art lighting and sound systems help fill this space with artistic wonder, heated discussion, and a passion for learning. 65 Idea Table An open space with high ceilings, the Idea Table draws out creative thinking. Always at hand are rolls of paper and writing utensils to jot down ideas as they materialize. 66 Market Place Every second Thursday of the month, executives from all departments come together in the Convention Hall with their laptops and paperwork to freely discuss various business plans with one another. 67 Townhall Meeting A forum where our employees and CEO can sit face-to-face to freely engage in discussion on various topics and even ask our CEO personal questions. 68 Focus Meeting Each week, our executives and CEO come together for intense discussion on two to three vital agenda items. 69 Management Strategy Workshop Annually, employees participate in the Management Strategy Workshop to contribute to the designing of our future at Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial. During one session, one executive said, “Why do we work harder than everyone else out there? Because of pride.” 70 Design Lab “The Origin of Things, More from Less.” Diligence gives birth to creativity. And extreme attention to detail. 72 The Information Resource Center This library holds more than ten thousand books in addition to domestic and foreign periodicals and information resources. All employee purchase requests are fulfilled, and all resources can be searched for and delivered. 74 Hyundai Capital America Headquarters Since 2007, Hyundai Capital has provided management consulting in various fields from sales to risk management. 76 Year-end Party A celebration to end the year. Our 2012 year-end party was a rockin’ time made possible by the passion and efforts of our employees who devote themselves to Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial. 78 Bike Zone Bikes are ready at the lobby. Bikes can be rented during the weekend and child-sized bikes are also available, so families can enjoy a ride together. 79 Employee Cafeteria Serving fine cuisine by a luxury hotel chef, the cafeteria offers three dining options each day, in addition to a monthly chef’s special menu. 80 Cafe M A café that serves our employees wanting a quick break and welcomes visitors. Fitted with chairs designed by influential Danish designer Verner Panton, the café is decorated throughout with various design works. 81 the Box The Box offers a healthy salad bar during lunchtime and transforms into a wine bar at night. Ideas are born whenever and wherever 82 Print Wash Print Wash offers color printing and book binding with a single click. At Print Wash, employees can also get their dry cleaning done without having to worry about whether their local dry cleaners will be open after work. 83 Sauna + Sleeping Lounge A place to wash away fatigue and enjoy a power nap. 84 Fitness Center Equipped with the latest in fitness equipment, the Fitness Center offers individual, in-house personal training which includes body type consulting and fitness regimens. 85 Table Tennis Table Tale tennis table designed by Hyundai Card. Rather than the ordinary table, employee showed more interest and play actively. Good design also contributes to change people’s behavior. 86 the Table An object with grid to express the logic and systematic image of Hyundai Card. It’s a big table where you can read or play chess. 91Without Numbers

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