2. Disclaimer
These presentation materials have been prepared by Hyundai Card Corporation, Inc. (“HCC or the Company”), solely for the use at this presentationThese presentation materials have been prepared by Hyundai Card Corporation, Inc. (“HCC or the Company”), solely for the use at this presentation
and have not been independently verified. 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. Neither the Companies nor any of theirs
affiliates, advisers or representatives accepts any responsibility whatsoever for any loss or damage arising from any information presented or
contained in this presentation. 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. Neither the Companies nor any of their affiliates, advisers or representatives make any undertaking
to update any such information subsequent to the date hereof. This presentation should not be construed as legal, tax, investment or other advice.
Certain information and statements made in this presentation contain “forward-looking statements.” Such forward-looking statements can be
identified by the use of forward-looking terminology such as “anticipate,”“believe,”“considering,”“depends,”“estimate,”“expect,”“intend,”“plan,”
“planning,” “planned,” “project,” “trend,” and similar expressions. All forward-looking statements are the Companies’ current expectation of future
events and are subject to a number of factors that could cause actual results to differ materially from those described in the 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.
Certain industry and market data in this presentation was obtained from various trade associations, and the Companies have not verified such dataCertain industry and market data in this presentation was obtained from various trade associations, and the Companies have not verified such data
with independent sources. Accordingly, the Companies make no representations as to the accuracy or completeness of that data, and such data
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3. 단순한 상품 구조
Chapter 2Chapter 2Chapter 2Chapter 2 개념개념개념개념 Chapter 2Chapter 2Chapter 2Chapter 2 성과성과성과성과
주요주요주요주요 이슈이슈이슈이슈 –––– Chapter 2: 1Chapter 2: 1Chapter 2: 1Chapter 2: 1년간의년간의년간의년간의 결과결과결과결과
이용회원이용회원이용회원이용회원 중심의중심의중심의중심의 고객고객고객고객 포트폴리오포트폴리오포트폴리오포트폴리오 구축구축구축구축
상품상품상품상품 서비스서비스서비스서비스 비용비용비용비용 효율효율효율효율 증가증가증가증가
고객 혜택 합리화
• 핵심 서비스/혜택에 집중
• 차별성 없고 부수적인 서비스/혜택 폐지 및 축소
• 프리미엄 vs. 포인트 vs. 캐쉬백
• 22개 상품 → 7개 상품
우량고객우량고객우량고객우량고객 중심중심중심중심 신규신규신규신규 유치유치유치유치
차등적 리워드
• 사용액에 따라 포인트 적립율 상향 적용
• 리워드 적립 Hurdle: 월 사용금액 50만원 이상
3
4. 2012 2013 1H 13 1H 14 YoY
영업수익* 24,692 25,150 12,434 12,739 2.4%
손익계산서손익계산서손익계산서손익계산서 (단위 : 억원)
수익성수익성수익성수익성
영업 수익 증가
- 할부취급 정상화
Key HighlightsKey HighlightsKey HighlightsKey Highlights
영업비용* 22,320 22,950 11,306 10,947 -3.2%
상품서비스비용 5,596 5,659 2,894 2,565 -11.4%
영업이익 2,372 2,199 1,128 1,792 58.8%
당기순이익 1,943 1,632 833 1,370 64.4%
* 외환효과 제외
ROAROAROAROA
- 금융상품 취급 확대에 따른 이자수익 증가
영업 비용 감소
- 상품 서비스 및 판매수수료 절감으로 비용 감소
Chapter 2 효과 가시화로 수익성 개선
2.6%
2.0% 1.7%
2.8%
2011 2012 2013 1H14
고객의 “유동적 선택권” 강화로 Benefit 증대
채널 포트폴리오 선진화
“농경” 고객관리 Frame의 완성
4
전망전망전망전망 및및및및 전략전략전략전략
5. 자산자산자산자산 포트폴리오포트폴리오포트폴리오포트폴리오
자산자산자산자산 및및및및 시장점유율시장점유율시장점유율시장점유율
카드론
기타 0.7%
신용판매 위주의 자산 구성으로 수익성/안정성 Balance
수익성 강화를 위한 금융상품 비중 증가
Key HighlightsKey HighlightsKey HighlightsKey Highlights
일시불
40.9%
할부
21.4%
현금서비스
8.6%
카드론
28.4%
시장시장시장시장 점유율점유율점유율점유율
• 자산 잔액 : 10.2 조원
• 신용판매 비중 : 62.3%
- 리스크 낮은 카드론 중심 확대
시장점유율 업계 3위 유지
전체 취급액(신용판매*+ 금융)신용판매*
* 개인 취급액 기준
Source: 금융정보통계시스템
15.5% 15.5%
14.5% 14.4%
14.3% 14.5%
13.8% 14.0%
2011 2012 2013 1H14
Chapter 2 성과 기반 질적 성장을 위한 고객 관리 강화
리스크 총량 관리 범위 내 금융 상품 확대
5
전망전망전망전망 및및및및 전략전략전략전략
6. 자산건전성자산건전성자산건전성자산건전성 및및및및 충당금충당금충당금충당금
30303030일일일일 이상이상이상이상 연체율연체율연체율연체율
0.6%
0.7% 0.8% 0.9% 0.9%
연체율 1%미만 유지
- 단, 금융자산 취급 증가로 2013년 대비 소폭 증가
Key HighlightsKey HighlightsKey HighlightsKey Highlights
2011 2012 2013 1Q14 2Q14
충당금충당금충당금충당금 적립액적립액적립액적립액 (단위 : 억원)
충당금 적립액 증가
- 금감원 요적립 대비 142% 수준
2011 2012 2013 1H14
실적립액* 3,779 5,437 5,939 6,048
요적립 Coverage 199.1% 157.1% 144.0% 141.6%
* 대손충당금 + 대손준비금
리스크 총량 관리 유지로 수익성/안정성 Balance 확보
보수적 충당금 정책 유지
6
전망전망전망전망 및및및및 전략전략전략전략
