Hyundai Capital Services reported strong financial results for 2018. Key highlights included: - Enhanced market position in auto finance with higher new car and lease penetration rates and improved non-auto asset quality through tighter risk management. - Improved performance of overseas subsidiaries such as the turnaround of HCA and continued stable growth in other global entities. - Maintained sound financial status with leverage and liquidity ratios remaining compliant with internal policies despite challenges in the operating environment. - Strategic focus for 2019 will be on improving business efficiency while maintaining a conservative risk stance, expanding the global presence, and tightening capital management of financial affiliates.