The document provides an earnings release and financial overview for Hyundai Card for the first half of 2017, highlighting a 7.5% increase in operating revenue compared to the same period last year, driven by sales increases and a one-time tax refund effect. Asset quality remained stable with a delinquency ratio of 0.6% while capital adequacy was 18.1% and leverage was maintained at 5.2 times. The presentation also reviewed the company's funding, liquidity and performance trends over recent years.

1. 1H17
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. Asset Portfolio Achievements
(unit: KRW bn)
2015 2016 1H16 1H17 YoY
Lump sum 4,806 5,310 4,702 5,014 6.6%
Installment 2,807 2,980 2,763 3,057 10.7%
Cash advance 827 855 852 832 -2.2%
Card loan 3,240 3,220 3,223 3,277 1.7%
Credit purchase (esp. auto) oriented growth
• Market expansion and auto channel sales increase
• Increase in installment users on the back of reward
reinforcements
Reinforced acquisition to overcome stagnant growth
• Expand acquisition from efficient channels
(online and PLCC)
• Increase the number of Card Planners
(unit: KRW bn)
7,613 8,290 7,465 8,071
4,067
4,075
4,075
4,109
11,680
12,365
11,540
12,180
65.2%
67.0%
64.7%
66.3%
2015 2016 1H16 1H17
Credit purchase Finance % of credit purchase
 Reference
6,611 6,684
6,793
6,991
14.3% 14.2% 14.3% 14.7%
2014 2015 2016 1H17
Source: internal sources, excluding corporate sales and members
K
Market share
Membership
Asset
2Source: Financial Receivables

4. (unit: KRW bn)
Summary of Income Statements
2015 2016 1H16 1H17 YoY
OP Revenue①
2,602.4 2,694.6 1,334.6 1,435.0 7.5% • Sales increase and one-off effect from tax refund
(3.6% increase excl. one-off effect)
OP Expense②
2,370.8 2,456.7 1,214.4 1,268.6 4.5%
Card exp. 1,144.4 1,234.3 608.9 675.0 10.8% • Service/promotion increase to support growth
Interest exp. 277.6 258.6 131.0 121.1 -7.6%
• Despite recent market rate increase,
lower-cost refinancing effect continues
Bad debt exp. 237.7 246.2 120.9 112.2 -7.2% • Portfolio effect from increase in credit purchase
SG&A exp. 674.4 677.7 334.1 343.2 2.7% • Reinforced branding PR etc.
OP Income 241.5 249.2 125.7 172.9 37.6%
Net Income 186.8 190.0 94.9 130.8 37.9% • 17.1% decrease excl. one-off effect
ROA③ 1.7% 1.6% 1.7% 2.2% 0.5%p • 0.4%p decrease excl. one-off effect
Profitability
3
① ② Excluding FX effects
③ Half-year figures are annualized

5. Delinquency Reserve
0.6% 0.6% 0.6% 0.6%
0.9%
0.8% 0.8% 0.9%
2014 2015 2016 1H17
30+ days delinquency ratio
30+ days DQ ratio including re-aged loans
236 255 284 286
413 367 359 383
649 622 643 669
132.2% 133.4% 132.7% 128.6%
2014 2015 2016 1H17
Allowance Reserve FSS coverage
(unit:KRW bn)
①
Asset Quality
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
• [1H17] Reinforced FSS requirement on allowance led to
FSS coverage to drop

6. Leverage
2014 2015 2016 1H17 v. 2016
Total Asset 12,397 13,311 14,516 14,311 -1.4%
Total Capital
(Previous Q)
2,549 2,468 2,647 2,753 4.0%
(unit: KRW bn)
Capital Adequacy Ratio
4.9X
5.4X 5.5X
5.2X
2014 2015 2016 1H17
18.2%
17.0% 16.9%
18.1%
2014 2015 2016 1H17
Capital Structure
5Source: 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%

7. Funding Position Maturity
73.0%
6.1%
13.5%
6.4%
1.0%
Bond and others Domestic ABS
Overseas ABS Bank loan
Short-term funding
2.1yr
1.8yr
1.9yr 1.9yr
150.2%
129.8% 122.7% 132.0%
2014 2015 2016 1H17
Debt maturity ALM ratio
KRW
9.8tn
Funding
6Source: 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. Liquidity Position Short-term debt Coverage
(unit: KRW bn) (unit: KRW bn)
810 998
1,520 1,498
490
490
1,185 1,327
1,300
1,488
2,705 2,825
2014 2015 2016 1H17
Cash Credit line
2,083
2,590
3,846
2,980
62.4% 57.4% 70.3%
94.8%
2014 2015 2016 1H17
Short-term debt Short-term debt coverage
Liquidity
7Source: 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 1H17
Market share Retail credit purchase 14.5% 14.3% 14.2% 14.3% 14.7%
Asset
Total 9.9tn 10.8tn 11.7tn 12.4tn 12.2tn
% of credit purchase 64.3% 64.0% 65.2% 67.0% 66.3%
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% 128.6%
Capital
adequacy
CAR①
19.4% 18.2% 17.0% 16.9% 18.1%
Leverage②
5.0X 4.9X 5.4X 5.5X 5.2X
Funding
portfolio
Total 7.2tn 7.9tn 9.1tn 9.9tn 9.8tn
Bond, Long-term CP 86.7% 84.2% 81.0% 74.1% 73.0%
Bank loan 3.0% 2.5% 3.9% 6.3% 6.4%
Short-term funding - - 3.4% 1.0% 1.0%
ABS 10.3% 13.3% 11.7% 18.6% 19.6%
ALM
ALM ratio 168.3% 150.2% 129.8% 122.7% 132.0%
Asset maturity 1.3yr 1.4yr 1.4yr 1.4yr 1.5yr
Debt maturity 2.3yr 2.1yr 1.8yr 1.9yr 1.9yr
Appendix
8
① Separate financial statement
② Total asset(current period) / Total capital(previous period) as of 2013

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