2. 1
Disclaimer
This presentation material is being presented to you solely for your information only and may not be taken away by you and 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.
These presentation materials have been prepared by Hyundai Card Corporation., Ltd. (“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
data with independent sources. Accordingly, the Companies make no representations as to the accuracy or completeness of that data, and such
data involves risks and uncertainties and is subject to change based on various factors.
This presentation does not constitute an offer or invitation to purchase or subscribe for any shares or other securities of the Companies and
neither any part of this presentation nor any information or statement contained therein shall form the basis of or be relied upon in connection
with any contract or commitment whatsoever. Any decision to purchase shares in any offering of shares of the Companies should be made
solely on the basis of the information contained in the offering document which may be published or distributed in due course in connection
with any offering of shares of the Companies, if any.
3. 2
상반기 주요 이슈
§ 장기적인 수익기반 확대를 위하여 신규모집 확대 및 기존고객 관리 강화
§ 금융상품의 질적 성장 노력으로 고객 Profile의 개선 및 안정적인 건전성 유지
§ 차별화된 Branding으로 충성고객 확보 및 신규고객 lock-in 강화
4. 3
사업 환경
국내경기
경기 회복 지연
• GDP성장률 전망 하향 조정 (한국은행, ‘15년 7월)
저금리 지속
• 조달변별력 약화로 경쟁 심화
민간소비지출
카드시장 성장 둔화
• 지급결제수단으로서 카드 사용은 민간소비에 연동
(단위: 조원)
2.0%
2.8%
3.3%
2.4%
2.75%
2.50%
2.00%
1.50%
2012 2013 2014 1H15
GDP 성장률 기준금리
708 728 749
192
478 490 501
123
67.6% 67.3% 66.9% 64.4%
2012 2013 2014 1Q15
민간최종소비지출 신용카드 사용액 신용카드 사용률
5. 4
자산
자산 포트폴리오 2015년 사업전략
(단위:십억원)
2012 2013 2014 1H15 YTD
일시불 4,397 4,263 4,445 4,113 -7.5%
할부 2,208 2,133 2,470 2,488 0.7%
현금서비스 940 849 838 785 -6.3%
카드론 2,352 2,702 3,048 3,072 0.8%
회원모집 확대
• 우량고객 중심의 모집 강화
• 대형 유통채널과의 전략적 제휴로 모집채널 확대
우량고객 중심의 취급 확대
• 고객별 최적화된 혜택 제공
• 카드관리와 결제기능 통합 App 출시 (업계최초)
• 우수 신용등급 고객 대상 금융상품 마케팅 확대
새로운 제휴의 Rule 제시
• 모든 사용처에서 신세계 포인트 적립
• 월 최소사용액 등 포인트 적립 기준 없음
• 체크카드부터 법인카드까지 full line-up 구축
→ 차별화된 혜택과 범용성 확보
(단위: 십억원)
v 참고: 이마트 e카드
6,605 6,396 6,915 6,601
3,292 3,552
3,885 3,857
9,898 9,947
10,800 10,458
66.7% 64.3% 64.0% 63.1%
2012 2013 2014 1H15
신용판매 금융상품 신용판매 비중
10. 9
유동성
유동성 보유현황 단기차입금 Coverage
Contingency framework 운영
• 위기감지 후 신속한 의사결정 및 대응 시스템 구축
• 주요 시장 지표 일일 모니터링 실시
(단위: 십억원) (단위: 십억원)
유동성 관리 방안
• 바젤 III의 Liquidity coverage ratio 기준 충족
• Credit line 제공 기관 및 만기 다변화
690 780 810 973
824
866
490
490
1,514
1,646
1,300
1,463
2012 2013 2014 1H15
현금 Credit line
2,311
1,881 2,083 2,103
65.5%
87.5%
62.4%
69.6%
2012 2013 2014 1H15
단기차입금 단기차입금 coverage
11. 10
Branding의 진화
2013.2
디자인 라이브러리
2015.5
뮤직 라이브러리 + UNDERSTAGE
현대카드 라이브러리 카드 팩토리
2014.4
트래블 라이브러리
산업자본의 시각으로 재탄생한 금융자본
• 가장 진화한 화폐, “카드”의 제작 과정 소개
• 산업혁명 모티브로 한 디자인
• 실제 카드 발급 프로세스 체험 제공
