2. Disclaimer
These presentation materials have been prepared by Hyundai Capital Services., Inc. (“HCS or the Company”), solely for the use at this presentationThese presentation materials have been prepared by Hyundai Capital Services., Inc. (“HCS 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
involves risks and uncertainties and is subject to change based on various factors.
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The contents of this presentation 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.
3. 2012 2013 1H 13 1H 14 YoY
영업수익* 30,714 29,209 14,511 13,556 -6.8%
손익계산서손익계산서손익계산서손익계산서 (단위 : 억원)
주요이슈주요이슈주요이슈주요이슈 IIII –––– 수익성수익성수익성수익성 하락하락하락하락
Key HighlightsKey HighlightsKey HighlightsKey Highlights
영업수익 감소
- 취급수수료 폐지 효과 지속 및 경쟁 심화로 취급 감소
영업비용* 24,767 24,860 12,036 12,039 -0.7%
대손상각비 3,768 4,531 2,040 2,266 11.1%
영업이익 5,947 4,349 2,475 1,433 -42.1%
당기순이익 4,367 3,914 2,482 851 -65.7%
ROAROAROAROA
영업비용 전년 수준 유지
- 저금리 조달 이자비용 감소로 대손상각비 증가 상쇄
일회성 효과로 수익성 추가하락
- HK저축은행 평가 손실 제외 시 ROA 1.1%
* 외환효과 제외
2.6%
2.2% 1.9%
0.8%
2011 2012 2013 1H14
신차효과 등 자동차 판매 증가에 따른 수익 증대
강도 높은 비용효율화 추진
차량구매지원 기능 강화 (Stage 2)
전망전망전망전망 및및및및 전략전략전략전략
3
4. 20121989 2015 2016 ~
USA UK,CHN CAN, GER BRA, AUS, RUS, IND
1993
KOR
77.7%
71.1%
83.8% 85.4% 85.1%
HMG Global 총 판매 (단위: 만대) 해외 비중
Hyundai Capital Global One BodyHyundai Capital Global One BodyHyundai Capital Global One BodyHyundai Capital Global One Body Further Growth in the futureFurther Growth in the futureFurther Growth in the futureFurther Growth in the future
주요이슈주요이슈주요이슈주요이슈 IIIIIIII –––– 해외사업해외사업해외사업해외사업 성장성장성장성장
해외 판매의 급격한 성장과 더불어 Auto Finance
중심의 안정적인 성장 잠재력 보유
US
KoreaChina
India
Russia
Germany
UK
Australia Brazil
Canada
382 385
710 755
380
71.1%
'06 '09 '12 '13 '14.1H
* HCA, HCUK, BHAF 포함.
9개국 11개 거점, 3.800명의 직원
34개 판매법인 지원, 36%의 평균 인수율
비금융법인금융법인
14.6 20.5
39.2 44.2 45.7
7.5%
19.5%
48.2% 53.8% 55.6%
'06 '09 '12 '13 '14.1H
HCS Global 금융자산 (단위: 조) 해외* 비중
4
Source: Company data
5. 신차: 취급수수료 폐지 및 경쟁심화로 취급 감소
리스: 수입차 리스 영업 중지(3월)로 취급 감소
Others
2.8%
자산자산자산자산 포트폴리오포트폴리오포트폴리오포트폴리오 Key HighlightsKey HighlightsKey HighlightsKey Highlights
자산자산자산자산
리스: 수입차 리스 영업 중지(3월)로 취급 감소
Personal Loan: 리스크 강화조치로 취급 감소
New Car
51.2%
Lease
19.4%
Used Car
7.4%
P. Loan
10.3%
Mortgage
8.9%
상품별 포트폴리오 현 기조 유지
하반기 현대차 신차효과 지속 및 기아차 신차 출시로
신차취급 확대 기대
* Auto 자산: 신차, 리스, 중고차
5
전망전망전망전망 및및및및 전략전략전략전략
• 총 여신 규모 : 20.3 조원
• Auto 비중: 78%
6. 자산건전성자산건전성자산건전성자산건전성 및및및및 충당금충당금충당금충당금
30303030일일일일 이상이상이상이상 연체율연체율연체율연체율
전체 자산 매입 NPL 제외 연체율 안정화 추이
- 신규취급 자산의 지속적인 리스크 관리 강화
2.5%
2.7% 2.8% 2.7%
Key HighlightsKey HighlightsKey HighlightsKey Highlights
*은행으로부터 인수한 NPL 자산 제외
충당금충당금충당금충당금 적립액적립액적립액적립액 (단위 : 억원)
- 경기 회복에 따른 자산건전성 개선 기대
충당금 적립액 증가
- 30+ 연체율 Coverage 140% 수준 유지
2.0%
2.5%
2.3% 2.4%
2.6% 2.6%
2011 2012 2013 1Q14 2Q14
2011 2012 2013 1H14
실적립액* 6,099 6,566 7,626 8,045
30+ 연체율 Coverage** 151% 143% 154% 145% 리스크 강화 조치 유지
경기 회복에 따라 자산건전성 개선 전망* 대손충당금 + 대손준비금
** 실적립액 / 30+ 연체자산
6
전망전망전망전망 및및및및 전략전략전략전략
