20151 q hcc_en

1. 1Q15 Investor Presentation
Hyundai Card Corporation

2. 1
Disclaimer
These presentation materials have been prepared by Hyundai Card Corporation, Ltd.(“HCC”), 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
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with any offering of shares of the Companies, if any.
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. 2
Asset and Market Share
Asset Portfolio Key Highlights
• Credit purchase centered portfolio
- Lump sum + Installment: 63.2%
• Increased proportion of card loan to enhance profitability
• Maintained 3rd in market share
• Increase sale and asset volume through active offerings to
the card members
4.4 4.3 4.4 4.2
2.2 2.1 2.5 2.4
0.9 0.8 0.8 0.8
2.3 2.6 3.0 3.0
9.8 9.9
10.8 10.4
2012 2013 2014 1Q15
Lump sum Installment Cash advance Card loan Others
(Unit: KRW tn)
Market Share
14.5% 13.8% 13.8% 13.8%
2012 2013 2014 1Q15
Total sales (credit purchase +finance)
①
① Retail spending only
Source: FSS Financial Statistics Information System
Outlook & Strategy

4. 3
Profitability
Income Statement
(Unit: KRW bn)
Key Highlights
• Operating revenue similar to 1Q14
• Increase in operating expense
- Increase for high quality member acquisition and related cost
- Expense increased proportional to the increased credit sales
• Business growth based on profit contributing card members
- Increase in member management expense for establishing
mid/long term member management framework
2013 2014 1Q14 1Q15 YoY
Operating revenue①
2,516.2 2,583.7 631.7 636.0 0.7%
Operating expense①
2,295.9 2,283.9 524.2 557.5 6.4%
Product/Service expense 565.9 524.5 128.3 131.7 2.6%
Operating income 219.9 300.0 107.5 80.6 -25.0%
Net income 163.2 223.5 82.5 62.2 -24.6%
ROA
2.1%
1.8%
2.2% 2.4%
2012 2013 2014 1Q15
Outlook & Strategy
① Excluding FX effect

5. 4
Asset Quality and Reserve
Key Highlights
• Delinquency maintained under the industry average
• Conservative reserve management continued
- FSS Coverage about 135%
• Continue to maintain stable asset quality
• Continue with conservative reserve management
0.7% 0.8% 0.9% 1.0%
2012 2013 2014 1Q15
2012 2013 2014 1Q15
Total reserve①
543.7 593.9 649.2 601.3
FSS Coverage②
157.1% 144.0% 132.2% 134.6%
(Unit: KRW bn)
① Reserve under IFRS + supplemental reserve
② Total reserve / FSS requirement
Outlook & Strategy
30+ days Delinquency Ratio
Reserve

6. 5
Capital Structure
Leverage Key Highlights
• Conservative leverage maintenance continued
- FSS regulation set since 2012: under 6X
Capital Adequacy Ratio
5.1X 5.0X 4.9X 4.8X
2012 2013 2014 1Q15
Total asset / Total equity
18.7% 19.4%
18.2%
19.7%
2012 2013 2014 1Q15
①
Outlook & Strategy
• Manage leverage within FSS regulation
• Dividend in compliance with regulation
① Since 2013, previous quarter’s equity have been used for calculation.
② Based on separate balance sheet
① FSS guideline: over 8%
② Based on separate balance sheet

7. 6
Funding
Funding Portfolio by Product Key Highlights
Domestic
bond
85.6%
Domestic
ABS
3.9%
Loan
2.6%
Overseas
ABS
7.9%
Outlook & Strategy
KRW 7.6 tn
• Secure funding stability
- Stability through diversification in product, market, and tenor
- Product diversification through ABS continued
• Stable portfolio based on high bond proportion
• Maintain current portfolio guideline
- ABS < 20%, CP < 10%
- Long-term debt > 60%
- ALM ration > 100%
• % of overseas funding: 7.9%
• % of long-term funding: 71.2%
• ALM ratio: 142.9%

8. 7
Liquidity
Liquidity position Key Highlights
Debt maturity
0.7 1.0
1.8 2.3
1.3 0.7
8.7%
12.9%
23.4%
29.6%
16.4% 9.2%
2Q15 2H15 2016 2017 2018 2019~
(Unit: KRW tn)
(Unit: KRW tn)
0.7 0.8 0.8 1.1
0.8 0.9 0.5
0.5
1.5 1.6
1.3
1.6
65.5%
87.5%
62.4%
70.5%
2012 2013 2014 1Q15
Cash Credit line Short-term debt coverage①
Outlook & Strategy
• Stable liquidity management continued
- More cash for stronger liquidity position
• Maintain current level of liquidity
- Satisfy Basel III based Liquidity Coverage Ratio
• Early warning detection by monitoring daily market
indicators
① (Cash + Unused credit line)/ debt under 1 yr

9. 8
(Unit: KRW bn, %) 2009 2010 2011 2012 2013 2014 1Q15
Market
Share
Retail Credit 15.7% 15.7% 15.5% 15.5% 14.5% 14.3% 14.2%
Retail Credit + Finance 13.1% 14.1% 14.3% 14.5% 13.9% 13.8% 13.8%
Asset portfolio
Total 7,136 9,186 9,563 9,898 9,947 10,800 10,445
Lump sum + Installment 74.3% 65.7% 68.1% 66.7% 64.3% 64.0% 63.2%
Finance 25.7% 34.3% 31.7% 32.9% 35.1% 35.3% 35.2%
Other 0.0% 0.1% 0.2% 0.4% 0.6% 0.7% 0.8%
Asset Quality
30+ days delinquency ratio 0.3% 0.4% 0.6% 0.7% 0.8% 0.9% 1.0%
FSS Coverage 123.9% 127.7% 199.1% 157.1% 144.0% 132.2% 134.6%
Profitability Operating income 286 371 324 237 220 300 81
Capital structure①
Capital Adequacy Ratio 22.5% 18.7% 19.6% 18.7% 19.4% 18.2% 19.7%
Leverage 4.9X 6.0X 5.4X 5.1X 5.0X 4.9X 4.8X
Funding portfolio
Total 5,165 7,197 7,068 7,073 7,243 7,935 7,649
Bond 72.8% 73.6% 85.3% 80.4% 86.7% 84.2% 85.6%
Loan 2.0% 10.1% 1.4% 1.9% 2.9% 2.5% 2.6%
CP 11.0% 9.1% 6.9% 4.9% - - -
ABS 14.1% 7.2% 6.3% 12.7% 10.3% 13.3% 11.8%
Short-term debt coverage 18.6% 36.7% 79.0% 65.5% 87.5% 62.4% 57.6%
ALM
ALM ratio 120.9% 132.5% 149.0% 133.4% 158.7% 137.9% 143.0%
Asset maturity (Y) 1.43 1.38 1.39 1.37 1.34 1.49 1.36
Debt maturity (Y) 1.73 1.83 2.07 1.82 2.12 2.06 1.94
[Appendix] Fact Sheet - HCC
① Based on separate balance sheet

10. Further Information
IR Homepage: http://ir.hyundaicard.com
IR email address: irhcc@hyundaicard.com