This document is the condensed consolidated financial statements of Hyundai Card Co., Ltd. and its subsidiaries as of March 31, 2013. It includes the condensed consolidated statements of financial position, comprehensive income, changes in shareholders' equity, and cash flows. The independent accountants' review report expresses that the financial statements were prepared in accordance with Korean International Financial Reporting Standards and nothing has come to their attention to suggest the financial statements are not fairly presented.
Hyundai Capital provides a summary of its financial performance in the first half of 2013. It achieved operating income of KRW 250 billion and an ROA of 2.5%, with stable asset quality as the 30+ day delinquency rate was 2.7%. It maintained a strong capital structure with a leverage ratio of 6.7x and a capital adequacy ratio of 15.3%. Hyundai Capital also discussed its diversified funding sources by type, duration, and region to reduce risks.
This document is the condensed consolidated financial statements of Hyundai Card Co., Ltd. and its subsidiaries as of March 31, 2013. It includes the condensed consolidated statements of financial position, comprehensive income, changes in shareholders' equity, and cash flows. The independent accountants' review report expresses that the financial statements were prepared in accordance with Korean International Financial Reporting Standards and nothing has come to their attention to suggest the financial statements are not fairly presented.
Hyundai Capital provides a summary of its financial performance in the first half of 2013. It achieved operating income of KRW 250 billion and an ROA of 2.5%, with stable asset quality as the 30+ day delinquency rate was 2.7%. It maintained a strong capital structure with a leverage ratio of 6.7x and a capital adequacy ratio of 15.3%. Hyundai Capital also discussed its diversified funding sources by type, duration, and region to reduce risks.
This document summarizes a study on consumer motivations for purchasing local and organic produce in Ontario. The study used an online conjoint analysis tool called IdeaMap to test consumer interest and willingness to pay for different product attributes. Three key consumer segments were identified: those confident in Ontario produce, those who trust organics, and socially responsible locavores. Certification and place of origin had the largest impact on interest and price premiums. The combination of local and organic attributes performed well overall. The study provides insights to help marketers better target messaging and strategies to different consumer groups.
The document discusses experimenting with the senses and summarizes key aspects of sensory evaluation research. It describes how:
1. Both intrinsic product attributes (appearance, smell, taste) and extrinsic attributes (marketing, branding) influence consumer expectations and product acceptance.
2. Sensory panels are trained groups that provide objective measurements of sensory attributes to understand how products differ and how consumers perceive those differences.
3. Consumer panels provide insights into non-sensory factors, hedonic responses, and purchase behaviors to help develop products that consumers will choose and buy repeatedly based on their sensory properties.
Hyundai Card Corporation reported financial results for the first half of 2015, with operating revenue remaining flat year-over-year but operating expenses increasing, leading to a decline in net income of 19.1%. The company focused on acquiring new prime customers and qualitatively growing finance products to improve long-term profitability. Asset quality was managed through restricting sub-prime lending and maintaining credit costs despite a challenging economic environment with slow growth.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
- Hyundai Capital Services is a South Korean financial services company that provides financing for automobiles, durable goods, mortgages, and leases.
- The document includes condensed consolidated interim financial statements for Hyundai Capital Services and its subsidiaries for the period ending September 30, 2020, including statements of financial position, comprehensive income, changes in equity, and cash flows.
- An independent auditor reviewed the financial statements and issued a report concluding that the statements were prepared in accordance with relevant accounting standards.
- The document is the consolidated interim financial statements of Hyundai Card Co., Ltd. and subsidiaries as of September 30, 2020 and December 31, 2019.
- As of September 30, 2020, total assets were KRW 19.1 trillion, total liabilities were KRW 15.7 trillion, and total equity was KRW 3.4 trillion.
- Major assets included card assets of KRW 15.5 trillion, securities of KRW 1.4 trillion, and property and equipment of KRW 329 billion. Major liabilities included borrowings of KRW 13.1 trillion and other liabilities of KRW 2.6 trillion.
- The document is the consolidated interim financial statements of Hyundai Card Co., Ltd. and subsidiaries as of September 30, 2020 and December 31, 2019.
- It includes a report on the review of the consolidated interim financial statements by an independent accounting firm. The firm's review concluded that the financial statements present fairly the financial position of the company.
- The financial statements show the company had total assets of KRW 19.1 trillion as of September 30, 2020, with cash and deposits, securities, card assets, and other assets as major assets. Total liabilities were KRW 15.7 trillion, with borrowings and debentures as major liabilities.
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1. Deloitte was engaged to report on Hyundai Capital Services Inc.'s use of proceeds from issuing CNY 600 million in notes in September 2020.
2. The proceeds were intended to provide new car installment financing and automotive loans for eligible Hyundai and Kia vehicle models, defined as hybrid, electric, or fuel cell vehicles meeting certain fuel efficiency and emissions standards.
3. Based on its procedures, Deloitte found nothing to cause it to believe that Hyundai Capital Services Inc.'s statement on the use of proceeds was not prepared in accordance with the criteria outlined in the management statement and attachments.
This document summarizes Hyundai Card Co., Ltd. and Subsidiaries' consolidated interim financial statements as of June 30, 2020. It includes a consolidated statement of financial position, reporting total assets of ₩18.56 trillion and total liabilities of ₩15.22 trillion. It also reports total equity of ₩3.34 trillion, including share capital of ₩802.33 billion and retained earnings of ₩2.24 trillion. Key assets include cash and deposits of ₩1.24 trillion and card assets of ₩14.54 trillion. Key liabilities include borrowings of ₩12.97 trillion and other liabilities of ₩
This document summarizes Hyundai Capital Services' condensed consolidated interim financial statements for the period ended June 30, 2020. It includes the statement of financial position, statement of comprehensive income, statement of changes in equity, statement of cash flows, and notes. The independent auditors' review report indicates the financial statements were reviewed in accordance with relevant standards and provide a fair representation.
