This document provides an earnings release and financial overview for Hyundai Card Corporation for 3Q17. It shows increases in credit sales, assets, and profitability compared to the same period last year, while maintaining stable asset quality and capital adequacy. Key strategies discussed include growing the auto channel, expanding membership acquisition, managing risks conservatively, and maintaining sufficient liquidity and funding stability.

1. 3Q17
Earnings Release

2. Disclaimer
These presentation materials have been prepared by Hyundai Card Corporation., Ltd. (“HCC or the Company”), solely
for the use at this presentation. This presentation material 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.
The Company has not taken measures to independently verify data contained in this material. 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. This presentation should not be construed as legal, tax, investment or other advice.
Financial statements in this document have been prepared in accordance with K-IFRS. Other additional market information has
been sourced from the Company or from other external institutions. 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.
Certain information and statements made in this presentation contain “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.

3. 2015 2016 9M16 9M17 YoY
Lump sum 4,806 5,310 4,665 5,200 11.5%
Installment 2,807 2,980 2,776 3,189 14.9%
Cash advance 827 855 844 823 -2.5%
Card loan 3,240 3,220 3,188 3,329 4.4%
7,613 8,290 7,441 8,389
4,067
4,075
4,032
4,152
11,680
12,365
11,473
12,541
65.2%
67.0%
64.9%
66.9%
2015 2016 9M16 9M17
Credit purchase Finance % of credit purchase
6,611 6,684 6,793
7,050
14.3% 14.2% 14.3% 14.4%
2014 2015 2016 9M17
K
2
Asset Portfolio Achievements
(unit: KRW bn)
(unit: KRW bn)
Asset
Source: Financial Receivables
Source: internal sources, excluding corporate sales and members
 Reference
Market share
Membership
Credit purchase (esp. auto) oriented growth
• HCC’s auto channel sales increase & market expansion
(Improved competitiveness thru HMG-exclusive credit card)
• Installment sales/member increase by reinforced
rewards
Expand acquisition to overcome stagnant growth
• Increase acquisition from efficient(online/auto) channels
• Reinforced quantity-centric off-line channel acquisition

4. 2015 2016 9M16 9M17 YoY
OP Revenue①
2,602.4 2,694.6 2,003.0 2,125.6 6.1% • Auto channel increase and one-off tax refund
(3.5% increase excl. one-off effect)
OP Expense②
2,370.8 2,456.7 1,810.4 1,895.1 4.7%
Card exp. 1,144.4 1,234.3 910.6 1,000.0 9.8% • Slower increase QoQ with exclusive card
(Promotion cost/Avg. asset 2Q17 0.54% → 3Q17 0.36%)
Interest exp. 277.6 258.6 194.5 181.4 -6.7%
• Despite recent market rate increase,
lower-cost refinancing effect continues
Bad debt exp. 237.7 246.2 175.5 171.8 -2.1% • Portfolio effect from prime, auto related assets
SG&A exp. 674.4 677.7 495.5 517.8 4.5%
OP Income 241.5 249.2 201.2 240.3 19.4% • -6.5% excluding one-off effect
Net Income 186.8 190.0 153.6 181.9 18.5%
• Sacrificed profitability excl. one-off effect, but
market position improved
ROA③ 1.7% 1.6% 1.8% 2.0% 0.2%p
3
① ② Excluding FX effects
③ 9M figures are annualized
(unit: KRW bn)
Summary of Income Statements
Profitability

5. 0.6% 0.6% 0.6% 0.6%
0.9%
0.8% 0.8% 0.8%
2014 2015 2016 9M17
30+ days delinquency ratio
30+ days DQ ratio including re-aged loans
236 255 284 291
413 367 359 386
649 622 643 676
132.2% 133.4% 132.7% 128.4%
2014 2015 2016 9M17
Allowance Reserve FSS coverage
4① (Allowance + Reserve) / FSS requirement
Asset quality management strategies
• Focus more on lower-risk card loan
• Conservative U/W policy based on in-house modeling
Reserve policy
• Max of expected loss, incurred loss or FSS requirement
• Reinforced FSS requirement on allowance in 2Q17 led to
FSS coverage to drop
(unit:KRW bn)
①
Delinquency Reserve
Asset Quality

6. 4.9X
5.4X 5.5X 5.4X
2014 2015 2016 9M17
18.2%
17.0% 16.9% 17.7%
2014 2015 2016 9M17
5
Leverage Capital Adequacy Ratio
Capital Structure
2014 2015 2016 9M17 v 2016
Total Asset 12,397 13,311 14,516 15,385 6.0%
Total Capital
(Previous Q)
2,549 2,468 2,647 2,831 7.0%
(unit: KRW bn)
Source: Separate financial statement, according to FSS guidelines (Asset of recent Q / Capital of previous Q)
Capital adequacy management
• Manage under FSS regulations
: Leverage under 6X
: CAR over 8%
*Interim dividend of 37.4bn KRW (‘17.09)

7. 70.0%5.2%
12.0%
5.8%
7.0%
Bond and others Domestic ABS
Overseas ABS Bank loan
Short-term funding
2.1yr
1.8yr
1.9yr
2.1yr
150.2%
129.8% 122.7%
143.9%
2014 2015 2016 9M17
Debt maturity ALM ratio
KRW
10.6tn
(9M17)
6
Funding Position Maturity
Funding
Source: Internal Sources
Portfolio diversification
• Stable portfolio through product, maturity, currency
diversification
Funding guidelines
• By product: ABS <20%, Short-term funding <10%
• ALM ratio: 100% or higher

8. 810 998
1,520
2,187490
490
1,185
1,028
1,300
1,488
2,705
3,215
2014 2015 2016 9M17
Cash Credit line
2,083
2,590
3,846
3,086
62.4% 57.4% 70.3%
104.2%
2014 2015 2016 9M17
Short-term debt Short-term debt coverage
7
Liquidity Position Short-term debt Coverage
(unit: KRW bn) (unit: KRW bn)
Liquidity
Source: Internal Sources
Liquidity management
• Satisfies Basel III liquidity coverage ratio
• Diversified credit lines by lender and tenor
Contingency framework
• Early warning and response system in place
• Daily monitoring of key market indicators

9. Item 2013 2014 2015 2016 9M17
Market share Retail credit purchase 14.5% 14.3% 14.2% 14.3% 14.4%
Asset
Total 9.9tn 10.8tn 11.7tn 12.4tn 12.5tn
% of credit purchase 64.3% 64.0% 65.2% 67.0% 66.9%
Asset quality
30+ days DQ ratio 0.6% 0.6% 0.6% 0.6% 0.6%
FSS Coverage 144.0% 132.2% 133.4% 132.7% 128.4%
Capital
adequacy
CAR①
19.4% 18.2% 17.0% 16.9% 17.7%
Leverage②
5.0X 4.9X 5.4X 5.5X 5.4X
Funding
portfolio
Total 7.2tn 7.9tn 9.1tn 9.9tn 10.6tn
Bond, Long-term CP 86.7% 84.2% 81.0% 74.1% 70.0%
Bank loan 3.0% 2.5% 3.9% 6.3% 5.8%
Short-term funding - - 3.4% 1.0% 7.0%
ABS 10.3% 13.3% 11.7% 18.6% 17.2%
ALM
ALM ratio 168.3% 150.2% 129.8% 122.7% 143.9%
Asset maturity 1.3yr 1.4yr 1.4yr 1.4yr 1.5yr
Debt maturity 2.3yr 2.1yr 1.8yr 1.9yr 2.1yr
Appendix
8
① Separate financial statement
② Total asset(current period) / Total capital(previous period) from 2013

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