4 q17 hcs_presentation_eng

1. FY 2017
Earnings Release

2. Disclaimer
These presentation materials have been prepared by Hyundai Capital Services., Inc. (“HCS” 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. HCS : Asset
2
Auto growth from competitive APR
and enhanced convenience via digital
Non-Auto expansion from prime, mid-
tier PGMs and strict risk management
Apply via mobile Inquire limit (2min) Confirm loan
11,552 11,564 12,039
3,997 4,042 4,230
1,396 1,343 1,406
16,945 16,949 17,675
1.24MM
1.19MM 1.21MM
2015 2016 2017
• Non-Auto asset portfolio• Auto asset portfolio (unit: bn KRW)
New car
Lease/rent
Used car (＋4.3%)
HMG
car sales
(unit: bn KRW)
① Mix of prime credit customers in p-loan and mortgage loan volume (non-corporate)
Source: Managed Assets
1,836 2,457 3,046
2,061
2,095
2,407971
1,068
1,362
4,868
5,620
6,815
2015 2016 2017
Mortgage
P-loan
Corporate, etc.
(＋21.3%)
2015 2016 2017 YoY
Prime
mix
45.8% 45.2% 49.1% 3.9%p
Average
APR
24.8% 22.3% 17.4% -4.9%p
• Digital process : 9 steps → 2 steps • Main indicators
①
 

4. HCS : Profitability
3
Operating revenue/expense increase from asset growth
Net income maintained with greater equity income from stable global growth
2015 2016 2017 YoY
Operating revenue①
2,601.7 2,586.0 2,634.1 1.9%
Product revenue 2,383.6 2,305.1 2,352.8 2.1%
Operating expense②
2,265.6 2,243.5 2,306.2 2.8%
Interest expense 649.1 585.8 539.5 -7.9%
SG&A 744.4 726.5 752.2 3.5%
Bad debt expense 307.2 295.4 324.7 9.9%
Operating income 339.1 343.3 323.6 -5.8%
Non-operating income 32.7 60.2 77.3 28.5%
Equity method
income
30.9 55.8 68.9 23.4%
IBT 371.8 403.5 400.9 -0.7%
Net income 276.7 300.7 299.9 -0.3%
ROA 1.3% 1.4% 1.3% -0.1%p
• Summary of Income Statement
619.3
640.4
665.2
709.2
567.5
587.9 595.7 601.6
1Q 17 2Q 17 3Q 17 4Q 17
Product
revenue
Operating
revenue
523.2
567.3 595.2 620.4
179.5 178.5 196.0 198.1
1Q 17 2Q 17 3Q 17 4Q 17
SG&A
Operating
expense
• Quarterly results
① ② Excluding FX and derivatives effect
(unit: bn KRW) (unit: bn KRW)
Net income 89.2 73.1 64.5 73.1

5. ①
HCS : Asset Quality / Capital
4① (Allowance+reserve)/FSS requirement
2015 2016 2017 YoY
Total provision 719 737 780 5.9%
Allowance 465 529 571 8.0%
Reserve 254 208 209 0.7%
FSS
Coverage
124.0% 124.0% 127.4% 3.4%p
• Leverage• 30+ delinquency rate
0.53% 0.52% 0.52%
1.92%
2.06% 2.02%
2015 2016 2017
Installme
nt
DQ%
Total
DQ%
(unit: bn KRW)• Provision • Total asset and capital
6.6X 6.7X
7.0X
2015 2016 2017
2015 2016 2017 YoY
Total asset 24,219 25,049 27,137 8.3%
Total capital
(previous quarter)
3,671 3,724 3,890 4.5%
(unit: bn KRW)
*Regular dividend paid out in Feb’18 : 85.1bn KRW
(payout ratio 28.4%)
Stable quality from conservative U/W
policies and reserving at highest level
FSS-compliant capital management
: Leverage 10X or below

6. 56.6%21.5%
9.4%
5.0%
6.0% 1.4%
채권 등
해외채권
국내ABS
해외ABS
은행대출
단기조달
HCS : Funding / Liquidity
5Source: Internal sources
2015 2016 2017 YoY
Total funding 19,355 19,943 22,077 10.7%
Domestic 13,989 14,324 16,221 13.2%
Offshore 5,366 5,619 5,856 4.2%
2015 2016 2017 YoY
Total liquidity 4,263 4,543 5,358 17.9%
Cash 1,551 1,339 2,016 50.6%
Credit line 2,713 3,204 3,342 4.3%
Short-term
debt coverage
73.9% 69.5% 84.5% 15.0%p
Stable thru maturity/product/currency
diversification, and guideline in place
• 2017 funding mix
129.8% 134.9%
154.2%
2015 2016 2017
• Funding (unit: bn KRW) (unit: bn KRW)
Reinforced liquidity by securing cash
and contingency framework in place
• ALM ratio
• Liquidity
Bond, etc.
Offshore bond
Domestic ABS
Offshore ABS
Bank loan
Short-term funding

7. HCA
6
① Effect of corporate tax refund reflected
Source : Internal sources
• 30+ delinquency rate• Asset portfolio
• P&L • Debt leverage(unit: mn USD)
2015 2016 2017 YoY
Operating
revenue
1,410 1,615 1,745 8.1%
IBT 295 102 102 0.3%
Net income 262 81 1,072 -
27.9
31.3 31.4
2015 2016 2017
(unit: bn USD)
10.3X
11.3X
7.6X
2015 2016 2017
1.8%
2.5% 2.5%
2015 2016 2017
(33.7TN KRW)
①
Continually grew volume to lay basis
for external growth and profit recovery
Stable quality and capital adequacy

8. HCUK
7Source : Internal sources
Continually grew volume to maintain
steady external and profit growth
• Asset portfolio
• P&L (unit: mn GBP)
2015 2016 2017 YoY
Operating
revenue
84 99 108 8.9%
IBT 23 31 35 14.4%
Net income 18 24 28 17.2%
1.4
1.6
1.8
2015 2016 2017
(unit: bn GBP)
15.1X
13.9X
12.8X
2015 2016 2017
0.14%
0.19% 0.19%
2015 2016 2017
(2.7tn KRW)
Stable quality and capital adequacy
• 30+ delinquency rate
• Debt leverage

9. BHAF
8Source : Internal sources
Despite temporary geopolitical factor,
minimal asset decline and grew profit
Stable quality and capital adequacy
• 30+ delinquency rate• Asset portfolio
• P&L • Debt leverage(unit: mn RMB)
2015 2016 2017 YoY
Operating
revenue
1,910 2,723 2,771 1.8%
IBT 323 743 965 29.9%
Net income 241 546 722 32.2%
18.6
25.4
24.3
2015 2016 2017
(unit: bn RMB)
8.1X
5.4X
4.0X
2015 2016 2017
0.2%
0.1% 0.1%
2015 2016 2017
(3.9TN KRW)

10. HCCA / HCBE
9Source : Internal sources
HCCA : Expanded retail to lay basis
for asset and profit growth
• Asset portfolio
• P&L (unit: mn CAD)
2015 2016 2017 YoY
Operating
revenue
11 40 71 76.4%
IBT -20 -15 -3 79.0%
Net income -20 -15 -3 79.0%
(unit: bn CAD)
2015 2016 2017 YoY
Operating
revenue
1 11 23 1.8%
IBT -17 -26 -23 9.5%
Net income -17 -26 -23 9.5%
0.5
1.2
1.5
2015 2016 2017
(started operation: Dec‘14)
(unit: bn EUR)
0.3
2015 2016 2017
(started operation: Jan‘17)
(unit: mn EUR)
(1.3tn KRW) (0.3tn KRW)
HCBE : Focused on stabilizing sales
and operation
• Asset portfolio
• P&L

11. US
Korea
China
India
RussiaUK
Australia
Canada
Brazil
Germany
Appendix : Global Presence
10
Financial entity Consulting entity
① Santander Consumer UK ② Beijing Automotive Investment
BHAF
- Founded: ‘12.06
- Shares: HCS 46%
HMC 7%
BHMC 14%
BAI 33%
HCA
- Founded: ‘89.09
- Shares: HMA 80%
KMA 20%
HCCA
- Founded: ‘14.04
- Shares: HCS 20%
HMC 50%
KMC 30%
HCB
- Founded: ‘13.05
- Shares: HCS 100%
HCAU
- Founded: ‘16.03
- Shares: HCS 100%
HCIN
- Founded: ‘12.11
- Shares: HCS 100%
HCR
- Founded: ‘11.05
- Shares: HCE 100%
HCBE
- Founded: ‘15.08
- Shares: HCS 65%
HMC 20%
KMC 15%
HCUK
- Founded: ‘12.02
- Shares: HCS 30%
HMUK 10%
KMUK 10%
SCUK 50%①
②
5 financial entities, 4 consulting entities

12. Further Information
IR Homepage: http://about.hyundaicapital.com
IR email address: irhcs@hcs.com