Hcs company report 2012

Thinking about numbers

With Numbers

CEOs Letter

History

Local & Global Business

Financial Highlights

Products

Global Partnership

Directors & Executives

Media Articles

02

04

08

14

20

26

30

34

Contents

0302 With Numbers CEOs Letter

We strive

forward each

day to achieve

better numbers.

However, we

place our focus

on the meaning

of these numbers,

not their

magnitude.

CEOs Letter

Hyundai Card, Hyundai Capital, Hyundai Commercial CEOChairman of the Board, Hyundai Life

Ted Chung

At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial,

we strive each day to achieve better numbers. However, we place our

focus on what these numbers mean, rather than their magnitude. 2012 was

an important year in that we were able to catch our breath and look back

upon the path we have walked thus far. It was a time of self-reflection,

especially on our industry, and it was an opportunity to newly design our

business landscape.

Hyundai Life, which became a new addition to our family last year, achieved

record-breaking sales with more than ten thousand new members in

the course of two months since the launch of Hyundai Life ZERO. From

its beginnings, Hyundai Life has worked to improve both reputation and

performance and, in the future, we are confident that Hyundai Life will

play a significant role in changing the rules of the market as a cutting-edge

innovator.

Originally a pioneer at home in Korea, Hyundai Capital is now fulfilling its

dream of expanding its global presence. Hyundai Capital is growing rapidly

in the United States with record-breaking sales and is entering numerous

markets across the world, including Russia and Brazil. In July 2012, Hyundai

Capital established corporate bodies in the United Kingdom, a market whose

history runs parallel with the history of finance itself. In September, the

company set up in China, the worlds largest automotive market. Hyundai

Capital will continue its growth as a global financial company.

Hyundai Card is in a period of transition that is bringing changes to

product paradigms, and is thinking about our card members in this shifting

environment. Concurrently, we are devoted to innovating through our

products through a project called Chapter 2 and to providing new customer

value. Hyundai Commercial leads the market as a formidable player in

industrial finance backed by specialized business expertise.

For the past ten years, there has been endless growth at Hyundai Card,

Hyundai Life, Hyundai Capital, and Hyundai Commercial, and we will

continue to grow into the future. We search for new business opportunities

and formulate strategies that embrace both domestic and overseas

customers. Our challenge to provide new customer value also continues. Our

new growth strategy includes changing paradigms, expanding our business

via insurance, kicking Hyundai Capitals overseas business into high gear,

and upgrading the specialization of Hyundai Commercial. The year 2013 will

be a year of great strides for Hyundai Card, Hyundai Life, Hyundai Capital,

and Hyundai Commercial.

History AtHyundaiCard,HyundaiLife,HyundaiCapital,andHyundaiCommercial,weredefinethefinancialindustry.

History 05With Numbers04

0706 With Numbers

1993-1999

2008

2001-2003

2009

2004

2010

2005

2011

2006

2012

2007

2013

1993. 12 | Establishment of Hyundai Auto

Finance, Inc.

1995. 04 | Corporate name change to Hyundai

Financial Services, Inc.

1999. 01 | Corporate name change to Hyundai

Capital, Inc

01 | Launch of Hyundai Capitals Plus

Membership

03 | Hyundai Card achieves record-breaking

one million M platinum members

04 | Successful issuance of USD 155 million

in syndication floating rate notes by Hyundai Capital

05| First successful issuance of MYR 650

million in Malaysian Ringgit bond by Hyundai Capital

08 | Hyundai Capital secures record-

breaking one million Auto Plan used car financing customers

09 | Launch of Hyundai Card the Red

10 | Hyundai Card & Hyundai Capital earns

Consumer Information Protection Certification (ISO 27001)

12 | Successful accumulation of USD 185

billion in unsecured foreign loans by Hyundai Capital

2001. 07 | Launch of auto leasing services

by Hyundai Capital

2001. 08 | Acquisition of Diners Club, Inc.

by Hyundai Capital

2001. 10| Diners Club, Inc. name change

to Hyundai Card, Inc.

2002. 06 | Introduction of Save Point System

by Hyundai Card.

2003. 05 | Launch of Hyundai Card M

2003. 06 | HQ renovation

01 | Hyundai Capital secures KRW 1.65

trillion in credit line| Launch of Hyundai Card & Hyundai

Capital MY BUSINESS

02 | Sponsor of MoMA Destination: Seoul

project by Hyundai Card

07 | Launch of True Partners Loan, a

corporate finance product for small businesses by Hyundai Commercial

09 | Establishment of Hyundai Capital

Germany GmbH

12 | Hyundai Card ranks No. 1 in National

Customer Satisfaction Index (NCSI) in the credit card category for five consecutive years in a row

06 | Launch of Hyundai Capitals home

equity loans

08 | Formation of strategic partnership

between Hyundai Capital & GE Capital

10 | Foundation of joint company

by Hyundai Capital-GE Capital| Launch of Hyundai Capitals

installment financing brand Autoplan

05 | Establishment of Hyundai Capital

Europe GmbH

07 | Launch of Hyundai Capitals Direct Loan| Launch of corporate financing product

for Hyundai and Kia Motors partners by Hyundai Commercial

| Successful issuance of CHF 150 million is Swiss bond by Hyundai Capital

09 | Launch of Hyundai Card & Hyundai

Capitals corporate blog

11 | Launch of Hyundai Card Platinum 3

Series

01 | Launch of Hyundai Capitals Pro

Volleyball Team Cheonan Hyundai Skywalkers

02 | Launch of Hyundai Card the Black

03| First successful issuance of JPY 44

billion in Samurai bonds by Hyundai Capital

08 | Formation of strategic partnership

between Hyundai Card & GE Capital

09 | Opening of Hyundai Card Super Match

10 | Foundation of joint company

by Hyundai Card-GE Capital

12| Launch of Hyundai Capitals integrated

personal financing brand Prime Loan

03 | Opening of Hyundai Card Culture

Project | Release of Hyundai Card the Purple/

the Red Liquid Metal Series

06 | Launch of Hyundai Card Platinum 2

08 | Hyundai Commercial records KRW 3

trillion in assets

10 | Opening of Hyundai Card & Hyundai

Capitals MY BUSINESS portal

11 | Launch of Hyundai Capitals secured

auto loan| Launch of Hyundai Cards Android

Mobile Card| Launch of Hyundai Card ZERO

02 | Launch of Hyundai Card the Purple

04 | Launch of Hyundai Cards service

brand PRIVIA

08| Opening of Hyundai Card-Hyundai

Capital Finance Shop

02 | Launch of design for premium bottled

water, it water by Hyundai Card| Establishment of Hyundai Life

03 | Launch of Hyundai Card it card| Publication of by Hyundai Card, Hyundai Capital, and Hyundai Commercial

04 | Launch of Hyundai Card DIRECT

05 | Hyundai Card provides insurance

coverage plan against voice phishing| Launch of Hyundai Card MUSIC

website

06 | Hyundai Capital earns BBB+ credit

rating from Fitch| Hyundai Card x YG Collaboration

07 | Launch of Family Network Loan,

a corporate financial product for affiliates of Hyundai Heavy Industries by Hyundai Commercial

| Foundation of Hyundai Capital UK Ltd. | Hyundai Capital earns AAA+ credit

rating from RAM

09 | Hyundai Capital earns A+ credit rating

from JCR| Foundation of BHAF-Beijing Hyundai

Auto Finance| Successful issuance of CNY 500 million

in Dimsum bonds by Hyundai Capital

01 | Opening of Hyundai Card Super

Concert

03 | Establishment of Hyundai Commercial

04 | First successful issuance of USD 400

million in overseas bonds by Hyundai Card among Asia-based credit card issuers

06 | Launch of Hyundai Capitals loan

waiver program

08 | Opening of Hyundai Cards offline

M-point Shop

11 | Opening of Hyundai Capitals used

car-financing portal Auto Inside

01 | Launch of Hyundai Card & Hyundai

Capital MY BUSINESS Membership| Launch of Hyundai Life ZERO

02 | Hyundai Card launched OYSTER

a collaboration project with emart | Opening of Hyundai Card Design

Library

05| Reached 10 million visitors number

in Hyundai Capital & Hyundai Cards corporate blog

| Successful issuance of AUD 250 million in Kangaroo bonds by Hyundai Capital

06| Launch of CHAPTER 2

by Hyundai Card

History

Local & Global Business

0908 With Numbers Local & Global Business

OurgoalistoestablishaninternationalnetworkoutsideofKoreaencompassingtheUnitedStates,Europe,China,SouthAmericaandbeyond.


Hongik University Office Hyundai Card, Hyundai Capital, Hyundai Commercial

Yangjae OfficeHyundai Card, Hyundai Capital

Suwon OfficeHyundai Card, Hyundai Capital, Hyundai Commercial

Daejeon OfficeHyundai Card, Hyundai Capital, Hyundai Commercial

Ulsan OfficeHyundai Card, Hyundai Capital, Hyundai Commercial

Busan Office (under construction)Hyundai Card, Hyundai Capital

Daegu OfficeHyundai Card, Hyundai Capital, Hyundai Commercial

Gwangju OfficeHyundai Card, Hyundai Capital

Seoul Auto GalleryHyundai Capital

Youngdeungpo OfficeHyundai Card

Hannamdong Office Hyundai Card

Seoul Korea

Headquarters 1 2 3

Hyundai Card, Hyundai Capital, Hyundai Commercial

HeadquartersHyundai Life


USA UK Europe Emerging Market

8

4

6

7

9

5

2

3

1

Consulting Business

Financial Company

Global

1

Hyundai Capital America

Year of Establishment: 1989

Services: Consumer finance installment

plans and leasing, Dealer finance wholesale

financing and mortgage loans

Hyundai Capital has provided all-round

business advise for HCA, ranging from

operations support to sales and risk

management, since 2007. HCA will focus

on securing mid-to-long term funds,

conducting client/dealer segmentation

marketing, and expanding sales via

Leasing A to Z.

China

2

Beijing Hyundai Auto Finance


Services: Car Wholesale/Retail Financing

Hyundai Capitals arm in China quickly

established itself in the Chinese market

with success, despite tough governmental

regulations and low utilization of

installment financing. Hyundai Capital

first entered China in 2005, and after

a seven-year preparation period, Beijing

Hyundai Auto Finance launched in 2012.

Soon after, it achieved the highest usage

of installment financing for Hyundai and

Kia Motors in China, surpassing China

Construction Bank.

3 Hyundai Capital UK Ltd.


Services: Car Wholesale/Retail Financing

Hyundai Capital UK Ltd. has achieved

exponential growth in the past year

since its foundation with increases in

new approval rates of over 20%. Hyundai

Capital UK Ltds success is attributed to

innovative product planning and marketing

capabilities, based on personal contract

purchases that guarantee a wide range

of customer benefits, and to its stable

partnership with Santander Consumer

Finance UK.

4

Hyundai Capital Europe GmbH


Services: Financial consulting for Hyundai

and Kia Motors

5

Hyundai Capital Germany GmbH



and Kia Motors

Hyundai Capital Europe GmbH supports

twenty-four offices in seventeen countries

and offers customized consulting services

by country. As Hyundai Capitals HQ in

Europe, Hyundai Capital Europe GmbH

develops business models for various

countries and supervises all businesses

within Europe.

6

Hyundai Capital Russia LLC



and Kia Motors

7

Hyundai Capital India Pvt. Ltd.



and Kia Motors

8

Brazil



and Kia Motors

9

Australia



and Kia Motors

Hyundai Capital is swiftly establishing

footprints in emerging markets including

Brazil, Russia, and India. There is great

potential in these emerging markets, which

suffer from underdeveloped offerings in

installment plans. Starting with financial

consulting, Hyundai Capital hopes to rise

as a strong player in installment financing

in these regions.


1514 With Numbers Financial Highlights

ChallengesinthebusinessenvironmenthaveonlystrengthenedourfoundationsatHyundaiCard,HyundaiLife,HyundaiCapitalandHyundaiCommercial.

1716 With Numbers

233

Unit: In billions of KRW


Operating Revenue

Operating Income

Net Income

Assets

Equity

2012

2,526

233

191

11,252

2,192

2010

2,337

371

278

10,446

1,767

2011

2,408

324

239

10,852

1,997

2009

1,841

286

213

7,291

1,483


Unit: In thousands of KRW

Assets

Cash and bank deposits

Investment financial asserts

Card assets

Loans

Property and equipment

Other financial assets

Other non-financial assets

Liabilities

Borrowings

Retirement benefit

Other financial liabilities

Other non-financial liabilities

Equity

Share capital

Capital surplus

Retained earnings

Reserves

Non-controlling interests

2012 (18th)

11,252,263,615

824,576,295

1,766,970

9,707,037,676

-

264,383,091

182,291,909

272,207,675

9,059,973,188

7,020,675,825

10,695,054

1,517,676,783

510,925,525

2,192,290,428

802,326,430

57,704,444

1,339,725,219

-7,485,485

19,820

2011 (17th)

10,851,933,716

863,054,403

1,766,970

9,374,266,682

469,647

187,398,080

162,617,273

262,360,661

8,855,250,685

7,071,760,496

17,774,550

1,291,498,924

474,216,715

1,996,683,031

802,326,430

57,704,444

1,148,396,656

-11,764,319

19,820

Consolidated Statements of Financial Position

2012Hyundai Card Operating Income

With the greatest brand power in the industry, Hyundai Card maintained its market dominance with innovative marketing strategies and achieved yearly operating income of KRW 233 billion in 2012.

11,252Unit: In billions of KRW

2012 Hyundai Card Assets


Operating revenue

Operating expenses

Operating income

Non-operating income

Non-operating expenses

Income before income taxes

Income tax expense

Net income

Other comprehensive income

Total comprehensive income

2012 (18th)

2,525,635,172

2,292,358,378

233,276,794

2,366,836

3,126,019

232,517,611

41,189,048

191,328,563

4,278,834

195,607,397

2011 (17th)

2,408,319,434

2,084,099,901

324,219,533

1,059,081

1,661,276

323,617,338

84,969,756

238,647,582

-8,613,984

230,033,598

Consolidated Statements of Comprehensive Income


Hyundai Card

- 40Unit: In billions of KRW

Since launching in February 2012, Hyundai Life has focused on strengthening from within, realigning its sales organization and infrastructure, rather than expanding externally.

2012 Hyundai Life Operating Income


2012 Hyundai Life Assets

Hyundai Life


Operating Revenue

Operating Income

Net Income

Assets

Equity

FY2012

1,000

-40

-32

3,913

256

FY2010

1,012

5

5

2,988

144

FY2011

1,151

5

5

3,438

166

FY2009

890

17

15

2,499

146



Assets

Cash and

Financial assets at fair value through profit or loss

Available-for-sale securities

Loans and other receivables

Non-financial assets

Separated account assets

Liabilities

Insurance contract liabilities

Policyholders equity adjustment

Borrowings

Other financial liabilities

Non-financial liabilities

Separated account liabilities

Equity

Share capital

Capital surplus

Accumulated other comprehensiveincome and expenses

Retained earnings

2012 (10th)

3,913,299,756

694,433,806

90,689,222

1,065,790,151

1,499,717,455

444,202,505

118,466,619

3,657,599,599

3,403,098,575

22,882,444

34,942,918

45,014,525

31,332,293

120,328,844

255,700,157

136,734,685

105,912,448

35,069,821

-22,016,797

2011 (9th)

3,438,235,364

738,623,234

71,736,496

1,212,990,576

1,057,740,828

235,844,305

121,299,926

3,272,196,600

3,048,185,256

14,815,892

35,000,000

20,462,366

30,485,226

123,247,860

166,038,764

98,273,150

44,573,571

4,756,965

18,435,078



Operating revenue

Operating expenses

Operating income




Income tax expense

Net income



2012 (10th)

999,679,312

1,039,931,005

-40,251,694

221,692

941,570

-40,971,572

-8,966,770

-32,004,802

-

-

2011 (9th)

1,150,617,423

1,145,934,436

4,682,987

-

-

4,682,987

215,752

4,467,235

17,346,213

21,813,447


* Hyundai Life Fiscal year (FY): From April 1 of each year to March 31 of the next year

1918 With Numbers

As Koreas top commercial finance company, Hyundai Commercial has maintained its high standards of ROA of 3.01% and fortified its financial footing, despite increasing government regulations.


Hyundai Commercial


Operating Revenue

Operating Income

Net Income

Assets

Equity

2012

347

83

44

3,924

338

2010

236

59

58

2,720

181

2011

324

88

74

3,467

349

2009

163

28

28

1,629

109



Assets

Cash and deposits

Securities

Loans receivable

Installment financial assets

Lease receivables


Other assets

Liabilities

Borrowings

Other liabilities

Equity

Common stock

Capital surplus

Accumulated other comprehensive income and expenses

Retained earnings


2012 (6th)

3,923,662,216

282,834,795

312,386,273

2,781,461,960

356,818,556

131,329,553

3,182,726

55,648,352

3,585,555,416

3,461,816,748

123,738,668

338,106,800

125,000,000

74,608,060

2,609,636

135,869,285

19,820

2011 (5th)

3,466,721,212

276,018,119

174,388,198

2,391,270,400

468,115,734

84,053,398

2,908,667

69,966,697

3,117,364,395

3,022,623,350

94,741,045

349,356,817

125,000,000

74,608,060

3,262,306

146,466,632

19,820



Operating revenue

Operating expenses

Operating income




Income tax expense

Net income



2012 (6th)

346,691,670

263,883,218

82,808,452

11,271,953

27,997,283

66,083,123

22,435,670

43,647,453

-1,382,234

42,265,219

2011 (5th)

323,950,643

235,731,721

88,218,923

13,634,481

1,733,903

100,119,500

26,366,920

73,752,580

3,732,061

77,484,641


Supported by stable profitability and asset soundness, Hyundai Capital defended its number one position in installment financing for Koreas automotive market and achieved KRW 589 billion in operating income.

Hyundai Capital


Operating Revenue

Operating Income

Net Income

Assets

Equity

2012

3,542

589

432

21,907

3,040

2010

3,274

630

489

20,749

2,237

2011

3,328

661

507

21,919

2,657

2009

2,989

541

411

15,855

2,156



Assets

Cash and deposits

Securities

Loans receivable

Installment financial assets

Lease receivables

Leased assets


Other assets

Liabilities

Borrowings

Other liabilities

Equity

Common stock

Capital surplus

Accumulated other comprehensive income and expenses

Retained earnings


2012 (20th)

21,907,263,734

1,302,173,380

119,079,647

12,068,395,788

3,738,530,104

2,805,421,540

1,127,279,327

320,738,491

425,645,456

18,867,512,540

17,015,642,491

1,851,870,049

3,039,751,194

496,537,175

407,539,067

-284,791

2,135,850,614

109,129

2011 (19th)

21,918,909,868

1,455,442,105

70,219,821

10,848,062,443

5,021,193,711

2,278,593,960

1,123,078,387

265,432,868

856,886,572

19,262,420,761

17,772,367,761

1,490,053,000

2,656,489,107

496,537,175

407,539,067

-50,840,571

1,803,144,426

109,010



Operating revenue

Operating expenses

Operating income




Income tax expense

Net income



2012 (20th)

3,541,680,917

2,953,073,291

588,607,626

12,439,142

17,173,703

583,873,065

151,859,441

432,013,623

50,555,780

482,569,403

2011 (19th)

3,328,448,257

2,667,717,085

660,731,172

6,998,924

4,338,901

663,391,196

155,987,584

507,403,612

16,531,004

523,934,616


589Unit: In billions of KRW

2012Hyundai CapitalOperating Income


2012 Hyundai CapitalAssets

83Unit: In billions of KRW

2012 Hyundai Commercial Operating Income


2012 Hyundai CommercialAssets

Products

2120 With Numbers Products

AtHyundaiCard,HyundaiLife,HyundaiCapital,andHyundaiCommercial,weprovidenewcustomervaluethroughourproducts.

2322 With Numbers

Hyundai Card

Insurance Products Hyundai Life ZERO A value-for-money insurance service that provides four core areas of coverage

Term insurance: 110/120 Cancer coverage: 210/220 Coverage against the top five adult diseases: 310/320 Coverage for children 420

Life/term insurance A plan that provides lifetime protection and financial benefits in the case of death

Annuities A pension plan providing monthly payments for living expenses

Savings insurance An efficient plan that provides compound interest and the opportunity to accumulate a sizable sum of money with tax deduction benefits

Variable universal life insurance A plan that provides death benefits to the amount of accumulated premium payments throughout ones lifetime

Variable annuity insurance A plan that provides benefits for living expenses to the amount of accumulated premium payments

Medical reimbursement A health insurance plan that provides reimbursement of actual insurance medical expenses

Special options Special options offered according to customer needs in addition to four main contractual insurance plans (universal life insurance, annuities, variable universal life insurance, and variable annuity insurance)

Term options Accidental death Accidental disability Top five adult diseases Cancer (option to renew) Inpatient services (option to renew) Medical reimbursement (option to renew) Children services

Loan Products Contractual insurance loan A service provided exclusively for Hyundai Life plan owners that allows for speedy and convenient loans by phone within the limits

of cancellation refunds calculated from accumulated premium payments

Credit loans A quick and simple credit loan service for Hyundai Life plan owners

Home equity loans A convenient mortgage loan made possible via direct visits by loan counselors

Retirement Pensions Principal guaranteed A plan that guarantees principal and interest according annuity plan to the credited interest rate at point of contract

Performance-based variable A plan with a variable yield according to asset management annuity plan performance

Services Hyundai Lifes Consulting services differentiated services include K-IFRS services Customized educational services Supplementary services

Hyundai Life

Premium the Black The first ever VVIP card exclusively for Koreas top 0.05%

the Purple The best VIP card for Koreas top 5%

the Red The hottest premium card, the Red

Point M3

M2 A card for powerful point accumulation rewards

M T3

Cashback X2

X A cashback card with a new concept

ZERO

MY BUSINESS M3

M2

M A card for business owners with powerful rewards and practical benefits

X2 X

MY COMPANY Executive An exclusive premium corporate card for executives offering corporate operations/management solutions

Platinum A platinum corporate card that heightens employee pride with numerous corporate benefits

Diners / Check Diners A Diners Privilege Service Card with access to all Diners Air Lounges around the world

C Check A debit card that allows for responsible spending within checking balances and the conveniences of an after-pay transit card

C Hybrid A hybridized card that combines debit purchasing with responsible spending and credit services for one-stop card purchases

Service Hyundai Card Hyundai Cards exclusive lifestyle service for members PRIVIA

MY BUSINESS A membership in financial services for economical business owners offering high Membership credit limits minus complicated conditions and a variety of fast and convenient benefits

Finance Shop A space to experience the wealth of branding activities and financial services of Hyundai Card & Hyundai Capital

Products

2524 With Numbers

Financing commercial New car installment plan A plan that allows for smart purchases of commercial

vehicles and construction vehicles and construction equipment

equipment

Used cars loan A plan for protected purchases of used commercial vehicles

and construction equipment

Corporate Financing Corporate loans Loans for funds in accordance with corporate business plans with

credit rating or assets as collateral

Corporate leasing Financing for facilities and equipment for business operations

Real estate financing Large-scale corporate loans for real estate development with future

profitability as collateral

Factoring Specialized financial services for buying accounts receivable

to provide funding

Investment Finance Private equity investment Efficient methods for securing working capital and capital

for equipment & facility investments or corporate acquisition

Fixed income investment Solutions to meet financial needs for all stages of corporate growth

through systematic risk analysis

Hyundai Capital Hyundai Commercial

Auto Financing Auto installment plans Customized installment plan with terms according to customer

selection

Direct used car loan A simple, no-hassle used car finance plan

Used car loan A reliable plan to finance used car purchases

Car leasing A reasonable, upmarket car-leasing plan for auto enthusiasts

Long-term rental car A rental car plan combining economical feasibility and convenience

Corporate leasing and An auto plan that takes into account corporate HR and time

rental cars and cost cutting

Credit Loans Direct loan A DIRECT credit loan without complicated paperwork or in-person

consultations

Prime loan A convenient credit loan with welcoming in-person consultations

MY BUSINESS A credit loan for business owners to raise funds for their businesses

business owner loans

Secured Loans Mortgage loans A mortgage loan with a maximum limit of 85% of real estate prices

Bi-yearly rental loans A rental loan providing up to 80% in held rental deposits

Korea Housing Finance Corporation A long-term mortgage loan designed by the Korea Housing Finance

U-bogeumjari loan Corporation to allow customers to repay principal according to fixed

interest rates over a period of time

Auto collateral loans Fast, convenient loans on auto collateral

Customer Services Plus+ Membership Customer finance protection service free of charge for Hyundai

Capital Customers

Auto Inside A one-stop, used car portal operated by Hyundai Capital

Products

Global Partnership

2726 With Numbers Global Partnership

Byjoininghandswiththeworldsbest,wehavedevelopedourglobalcapabilitiestoreachouttotheworld.

2928 With Numbers Global Partnership

Business Partnership : GE, SANTANDERBrand Partnership : MONOCLE, MoMA, TASCHEN, ZAGAT

2006.11 Opening of exclusive MoMA Store (Previously, MoMA Online Store Korea) after exclusive partnership with Hyundai Card (momastore.hyundaicard.com)

2008.11 Sponsors MoMAs first traveling exhibition to Korea, Design: Humble Masterpieces

2009.02 Conducts with MoMA Retail to provide all-around support to domestic up-and-coming industrial designers to submit and ship their works to enter global markets

2009.11 Sponsors the exhibition Bauhaus 1919-1933: Workshops for Modernity at MoMA

2010.08 Establishes a three-year partnership with MoMA for an internship program to support nine Korean interns per year

2010.09 Sponsors film exhibition, Yeonghwa: Korean Film Today at MoMA

2010.10 Sponsors exhibition Abstract Expressionist New York at MoMA

.2010.10 Lectures by MoMA Director Glenn Lowry and Chief Curator of Architecture and Design, Barry Bergdoll

2011.07 Exclusive sponsorship of exhibition, Talk to Me at MoMA

2011.11 Hyundai Card-MoMA Curator Visit Program, Lecture by Paola Antonelli, Senior Curator, Department of Architecture and Design

2012.12 First in Asia to hold MoMAs traveling exhibition, Tim Burton

2013.06 Exclusive sponsorship of exhibition, Le Corbusier: An Atlas of Modern Landscapes at MoMA

2006.03 Introduction to the Korean market after exclusive partnership with Hyundai Card

2010.02 Publishes

2011.02 Publishes

2012.02 Publishes

2012.08 Opening of Online MY MENU

2009.06 Begins domestic sales of Monocle magazine after exclusive partnership with Hyundai Card

2010.04 Publishes

2011.04 - Lecture by Monocle Editor-in-Chief Tyler Brule.

2009.09 Establishment of Hyundai Capital

Germany GmbH

2010.05 Establishment of Hyundai Capital Europe GmbH

2011.04 Meeting between

chairmen Mongkoo Chung and Emilio Botin

2012.07 Establishment of

Hyundai Capital UK Ltd.

2004.08 Strategic partnership between Hyundai Capital and GE

2004.10 Launch of joint venture between Hyundai Capital-GE Capital

2005.08 Strategic partnership between Hyundai Card and GE

2005.10 Launch of joint venture between Hyundai Card-GE Capital

2006 GE provides Hyundai Capital a USD 600 million credit line

2007 GE provides Hyundai Capital USD 900 million in funding

2009 GE increases Hyundai Capital USD 1 billion credit line, totaling investment to KRW 1.9 trillion (2012. Q4)

2010 GE provides Hyundai Card USD 200 million credit line, totaling investment to KRW 724 bliion (2012. Q4)

2012 GE extends credit line for Hyundai Capital

2010.02 Opening of after exclusive partnership with Hyundai Card

2010.08 Opening of

31With Numbers


Ted ChungPresident

Sherwood DodgeDirector

Suk-joon WonDirector

Ju-hyuk LeeDirector

Yong-bae LeeDirector

Han-woo ParkDirector

Bhupesh GuptaOutstanding Director

Xavier DurandOutstanding Director

Robert MorimotoOutstanding Director

Jung-han KooOutstanding Director, Audit Committee Member

Kyeng-Soo ChaeOutstanding Director, Audit Committee Member

Do-sung ChoiOutstanding Director, Audit Committee Member

Ted ChungCEO

Jung-hoe KimDeputy CEO

Sherwood DodgeExecutive Vice President

Yoo-no Hwang Head of Corporate Service Div. | Executive Vice President

Byung-doo KimHead of Risk Management Div. | Senior Vice President

Suk-joon WonHead of Card Business Div. | Senior Vice President

Ju-hyuk LeeHead of Financial Business Div. | Senior Vice President

James ChoHead of HCA(Hyundai Capital America) | Senior Vice President

Jung-in KimHead of Planning Support Div. | Vice President

Jin-tae KimHead of Brand Div. | Vice President

Yong-taek HwangHead of Corporate Business Div. | Director

Gun-woo KimDeputy Head of Corporate Service Div. (IT) | Vice President

Yoon-tae KimDeputy Head of Corporate Service Div. (Finance) | Vice President

Eun-gu JangDeputy Head of Card Business Div. (Card Sales) | Vice President

Hyun-joo KimDeputy Head of Risk Management Div. | Director

Sung-won JinHead of Financial Business Dept. | Vice President

Niclas NeglenFinance Representative | Director

Tae-jin Kang Head of Strategic Planning Dept. and Innovation Dept. | Director

In-hwan KwakHead of Collection Support Dept. | Director

Dae-kyoon KwonDeputy Head of HCA(Hyundai Capital America) | Director

Sung-wook KwonHead of Fee Biz Dept. | Director

Kyu-sik KimHead of Business Legal Dept. | Director

Deok-hwan KimHead of Financial Business Marketing Dept. | Director

Sang-woo KimHead of Underwriting Dept. | Director

Sung-moon Kim Head of Audit Dept. | Director

Soo-kyung Kim Head of Corporate Planning Dept. | Director

Jong-yoon KimHead of CS Dept. | Director

Chang-han KimHead of Card Sales Dept. | Director

Yeon-woong BeakHead of Collection Management Dept. | Director

Hwan-jun YangHead of IT Innovation Dept. | Director

Myong-su LeeHead of Corporate Card Business Dept. | Director

Mee-young LeeHead of CLM Dept. | Director

Yoon-seok Lee Head of HR Dept. | Director

Eric Jun Information Security Representative | Director

Sung-weon ChoiHead of Corporate Service Dept. | Director

Jeong-wook HanHead of Digital Business Dept. | Director

Directors Executives

Hyundai Card

30 Directors & Executives

3332 With Numbers


Hyundai Life

Jin-hwan ChoiPresident

Byung-chul ChoiDirector

Myung-sik JangAudit Committee Member

Ui-myung ParkOutstanding Director

Sung-pyo HongOutstanding Director

Kyung-yup KimOutstanding Director

Gwang-woo ParkOutstanding Director

Jin-hwan ChoiCEO

Ho-sung Suh Head of Corporate Management Div. | Senior Vice President

Dae-kyung Kim Head of Sales Div. | Vice President

Jong-woo KimHead of Asset Management Div. | Vice President

Myung-sik JangAuditor

Jeong-hak SonHead of Principal Investment Dept. | Vice President

Bo-yoon KangHead of Appointed Actuary Dept. | Director

Dae-keum KangHead of Insurance Risk Management Dept. | Director

In-ju KimHead of Yongnam Regional Headquarters | Director

Sung-hoon ParkHead of TM Sales Dept. | Director

Hyun-woong ParkHead of Loan Business Dept. | Director

Kwan-sun AhnHead of Strategic Planning Dept. | Director

Chang-geun YangHead of IT Dept. | Director

Young-chan WooHead of Corporate Sales Dept. | Director

Sang-lim LeeHead of Sales Dept. | Director

Jin-bong HanHead of Corporate Service Dept. | Director

Hyundai Capital

Ted ChungPresident

Yoo-no Hwang Director

Sherwood DodgeDirector

Won-hee LeeDirector

Yong-bae LeeDirector

Bernard Van BunnikDirector

Matthew Richard SusserDirector

Sung-moon Kim Auditor

Ted ChungCEO

Sherwood DodgeDeputy CEO

Yoo-no Hwang Head of Corporate Service Div. | Executive Vice President

Byung-doo KimHead of Risk Management Div. | Senior Vice President

Suk-joon WonHead of Card Business Div. | Senior Vice President

Ju-hyuk LeeHead of Financial Business Div. | Senior Vice President

Keun-bae JungHead of Auto Business Div. | Senior Vice President

James ChoHead of HCA(Hyundai Capital America) | Senior Vice President

Jung-in KimHead of Planning Support Div. | Vice President

Jin-tae KimHead of Brand Div. | Vice President

Yong-taek HwangHead of Corporate Business Div. | Director

Gun-woo KimDeputy Head of Corporate Service Div. (IT) | Vice President

Yoon-tae KimDeputy Head of Corporate Service Div. (Finance) | Vice President

Ick-jin ParkDeputy Head of Auto Business Div. | Vice President

Eun-gu JangDeputy Head of Card Business Div. (Card Sales)| Vice President



Jin-woo ChoiHead of Corporate finance Dept. | Senior Vice President

Sam SuhHead of Overseas Business Dept. | Vice President

Sung-won JinHead of Financial Business Dept. | Vice President

Niclas NeglenFinance Representative | Director

Waller BlackwelCorporate Finance Risk Controller | Director

Kwi-ho KangHead of Auto Finance Dept. II | Director

Tae-jin Kang Head of Strategic Planning Dept. and Innovation Dept. | Director

In-hwan KwakHead of Collection Support Dept. | Director

Dae-kyoon KwonDeputy Head of HCA(Hyundai Capital America) | Director

Kyu-sik KimHead of Business Legal Dept. | Director

Deok-hwan KimHead of Financial Business Marketing Dept. | Director

Sang-woo KimHead of Underwriting Dept. | Director

Soo-kyung Kim Head of Corporate Planning Dept. | Director

Yeong-sam Kim Head of Auto Finance Dept. I | Director

Jong-yoon KimHead of CS Dept. | Director

Hong-kyun KimHead of Finance Sales Dept.| Director

Yeon-woong BeakHead of Collection Management Dept. | Director


Woon-tak Yeo Head of Seobu Collection Regional Headquarter | Director

Kyo-chang LeeHead of BHAF(Beijing Hyundai Auto Finance) | Director

Yoon-seok Lee Head of HR Dept. | Director

Dai-gyu Lim Head of Keongin West Auto Regional Headquarter | Director

Kil-ho JunHead of Auto Finance Dept. III | Director

Eric JunInformation Security Representative | Director

Sung-weon ChoiHead of Corporate Service Dept. | Director

Jeong-wook HanHead of Digital Business Dept. | Director


Hyundai Commercial

Ted ChungPresident

Byeong-hee KimDirector

Byeong-doo KimDirector

Byeong-ku JeonDirector

Won-hee LeeDirector


Ted ChungCEO

Byung-hui LeeSenior Vice President



Jong-hong KooHead of Sales Support Dept. | Director


Byung-hui LeeHead of Industrial Finance Dept. | Director

Ki-hwa JangHead of Corporate Finance Dept. | Director

Byung-sik JangHead of Corporate Risk Management Dept. | Director

Byeong-ku JeonHead of Corporate Planning Dept. | Director



03 / 2013DATE

Bloomberg Markets MEDIA

Media Articles

34 35

03 / 2013DATE


3736

03 / 2013DATE


3938

05 / 2013DATE

Monocle

Reprinted by Permission of Monocle - May 2013 issue Monocle

MEDIA

4140

4342

05.17 / 2013DATE

Joongang Ilbo MEDIA

Yellow Cab? No, its a Smart Taxi Kia Motors and Hyundai Card to reveal a new concept car, My Taxi

London has black cabs; New York has yellow cabs. What about Seoul? Kia Motors and Hyundai Card have worked together to develop a new concept taxi that could represent the city. Hyundai Card redesigned Kia

Motors Ray and installed a smart system which could calculate the expected fare and provide other useful information.

03.02 / 2013DATE

Hankook IlboMEDIA

Who Designed Those Pretty Blue Robber Gloves?Hyundai Cards design team advances into household and kitchenware design. The new brand OYSTER is attracting high attention.

The Hyundai Card Design Team does not restrict itself only to credit card designs. Recently Hyundai Card launched the kitchenware brand Oyster. What they

are trying to do is help consumers feel and experience the finance company in unexpected ways. Hyundai Card has donated its design talent in various fields.

4544

06.13 / 2013DATE

Dong-a IlboMEDIA

04.26 / 2013DATE

Chosun Ilbo MEDIA

When Customers are King, Employees are King TooHyundai Cards effort to innovate customer satisfaction

Hang up Phone When Customer Swears

As Korean society regards customers as being always right, employees who directly deal with customers everyday often face emotional challenges. Hyundai Card has re-defined the meaning of customer satisfaction

and balanced its policy to satisfy both customers and employees. Employees are empowered to stop customers who act or speak irrationally. Since then, the staff turnover rate has been significantly reduced.

Rather than always saying Yes, Hyundai Card is facing down insistent customers who behave irrationally. Hyundai Card regards employee protection as being as important as customer satisfaction. Hyundai Card

also revised the telecommunication scripts of its customer service center to deal with customers with an appropriate sense of courtesy.

4746

01.16 / 2013DATE

Maekyung Economy MEDIA

Changing the Old Ways of the Insurance Business Insurance is often hard to understand. Ted Chung, Chairman of the Board of Hyundai Life and CEO Jin-hwan Choi, are now re-defining the insurance business by going back to basics. Their first product Hyundai Life

ZERO focuses on simplicity. From branding to coverage, everything is designed so that the product can be understood without confusion or difficulties.

4948

04.22 / 2013DATE

Chosun Ilbo MEDIA

12.20 / 2012DATE

Joongang IlboMEDIA

Hyundai Card and Hyundai Capital Recruit Interns from all over the World

Since 2010 Hyundai Card and Hyundai Capital have recruited global interns. This year, 376 students applied for 10 openings. The number of applications is increasing every year. The rise of Hyundai Motor

Group overseas, and the influence of the Korean Wave, seems to be contributing to the success of the global internship program.

Hyundai Cards Television Commercial Moves Young People

Hyundai Cards new TV ad Make Your Own Rule has become a hot issue on SNS. Rather than delivering a soft message to youngsters such as healing or mentoring - Hyundai Card challenges youth by telling

them that the world is in their hands and youth should be the ones to change the world, rather than waiting for others to give them a solution.

11.19 / 2012DATE

HankyorehMEDIA

09.25 / 2013DATE

Dong-a IlboMEDIA

5150

Dream Project Innovates Traditional Market and Small Business

Hyundai Card and Hyundai Capital support small businesses by sharing their expertise through Dream Project.The project has helped a range of stores, from a tofu store owned by a North Korean defector to a

beauty parlor ran by a single mom, to dramatically increase their sales. The project was internationally recognized when it won the service design category at IDEA.

Working as a Mentor for Small Business Owner with 32 Years of Experience in Finance

Man-seob Park was retired from Hyundai Capital when one day he received a call that suggesting working as a CSR partner for Hyundai Capital and Hyundai Card. He re-started his career as a consultant for a small business owner who is facing difficulties. Under the

Dream Project program, he visits small stores and gives advice on marketing and finance. The CSR partner program is a good example of how to utilize the talents of retired executives in a meaningful way.

5352

10 / 2012DATE

ArenaMEDIA

A Week at WonderlandEditors one-week experience at Hyundai Card

At Hyundai Card, the word creative suits best. Staying at the office of Hyundai Card for a week one could realize where their creativity is coming from. The design

of their office building, their facilities and the way they work - a range of tangible and intangible things - all contribute to Hyundai Card-ness.

5554

10 / 2012DATE

ArenaMEDIA

10 / 2012DATE

ArenaMEDIA

5756

10 / 2012DATE

ArenaMEDIA

5958

09.26 / 2012DATE

Korea Economic Daily MEDIA

07.16 / 2012DATE

Chosun IlboMEDIA

Hyundai Capital Advances into Chinese Car Market Starts auto finance business with Hyundai Motor

The Reason Why Hyundai Capital Went to UK? To Learn the Business from the Worlds Center of FinanceHyundai Capital has established a joint venture in the UK with Santander Consumer Finance

Hyundai Capital announced that Hyundai Motor Group and the Beijing Automotive Industry Group have launched Beijing Hyundai Auto Finance Co., Ltd., a joint venture to provide auto financing for Hyundai Motor Company and Kia Motors Cooperation in China.

For Hyundai and Kia customers, Beijing Hyundai Auto Finance will provide a speedier process and diversified products, including an advanced loan approval system which offers loans three days after the day the loan was requested.

Hyundai Capital announced that Hyundai Motor Group and the Beijing Automotive Industry Group have launched Beijing Hyundai Auto Finance Co., Ltd., a joint venture to provide auto financing for Hyundai Motor Company and Kia Motors Cooperation in China.

For Hyundai and Kia customers, Beijing Hyundai Auto Finance will provide a speedier process and diversified products, including an advanced loan approval system which offers loans three days after the day the loan was requested.

6160

06.11 / 2012DATE

Financial Times MEDIA

6362

06.07 / 2012DATE

Joongang IlboMEDIA

When Hyundai Card Met YG Entertainment

YG Entertainment, a company managing big K-pop stars, worked together with Hyundai Card to renew the branding of the group Big Bang. Although they are different companies, they found that they both

value the spirit of creativity and hard work. Hyundai Card designed Big Bangs new album cover and also published a brand guide book for Big Bangs fans.

01.28 / 2012DATE

Maeil Business Newspaper MEDIA

05.25 / 2012DATE

Money Today MEDIA

The Reason Why World Famous Artists Fell in Love with Hyundai CardHyundai Card holds its 17th Super Concert with Eminem

Hyundai Card has been sponsoring major artists concerts under the title Super Concert. Its already been six years, and famous names such as Lady Gaga and Eminem held shows under the Super Concert

banner. Many people ask why a credit company holds concerts. Hyundai Cards answer is that they became a trendsetting company by holding events like the Super Concert and also gathered more customers.

6564

Put Your Identity as a Branding Strategy for the Age Which Values SincerityBy personalizing the brand, Hyundai Card talks to customers through means beyond commercials

Companies can no longer rely on commercials to talk to their customers. There are many different ways for customers to experience the brand and Hyundai Card is pioneering new ways to express brand. From the way

Hyundai headquarters is designed to look of monthly card bills to the concert it organizes, people feels a very consistent brand with distilled functionality.

03.03 / 2012DATE

Maeil Business Newspaper MEDIA

08.31 / 2013DATE

Chosun Ilbo MEDIA

Innovative Management of Hyundai Card became Official Lecture at Seoul National University

It is unusual for a certain companys story to became an official lecture at a university, but the executives and CEO of Hyundai Card will give a lecture on how

they managed the company in the most innovative way. They will try to share the knowhow of their fast growth and their efforts to build a corporate culture.

6766

Interview with First Four Global Employees of Hyundai Capital

The number of global employees at Hyundai Capital is increasing as the firm is actively entering the global market. About nine global employees are currently

working at Hyundai Capital in various fields, from developing overseas business opportunities to risk management.

03.23 / 2012DATE

Dong-a IlboMEDIA

Korean Wave in Management? US MBA Students Learning from Hyundai Card Students from MIT Sloan MBA visit Hyundai Card

Students from overseas also show interest in Hyundai Cards innovative business. After a talk with CEO Ted Chung, they all said that Hyundai Card has changed the rules of the finance business. They also said they

ve seen many innovative products made in Korea, but had not seen innovative systems like those employed at Hyundai Card..

68

Without Numbers

Contents

CEOs Letter

EXPRESSION > Branding & Marketing

EMPOWERMENT > Corporate Social Responsibility

PRIDE > Corporate Culture

EXPRESSION Index EMPOWERMENT Index PRIDE Index

02

05

37

55

87

89

91

Thinking beyond numbers

CEO's Letter

Our challenges

know no limits

because

we focus on

our potential

that goes beyond

just numbers.

CEOs Letter

Hyundai Card, Hyundai Capital, Hyundai Commercial CEOChairman of the Board, Hyundai Life

Ted Chung

At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, we

welcome challenge. Our challenges know no limits. We strive to reach our

potential, and our energy is our source of differentiation. This has brought

success to our businesses.

In 2012, Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial

took on countless challenges and experiments. Hyundai Card MUSIC posed

questions that challenged the digital music market on a fundamental level.

Advocating for musicians, we structured Hyundai Card MUSIC in a way that

allows for profits to be rightfully relayed to songwriters. Furthermore, in 2013,

Hyundai Card MUSIC became an open platform to welcome all users, including

non-Hyundai Card members. Hyundai Card MUSIC was made possible by

combining Hyundai Cards unconventional thinking and the independent spirit

of underground musicians.

Similar collaborations with creative partners in different industries, including

music firm YG Entertainment, Tangram Design Studio, and discount retail chain

emart, have resulted in unexpected synergies and interesting developments,

such as novel kitchen utensils and the rebranding of one of Koreas top idol

groups through design. Such projects presented novel experiences for our

customers and opportunities to strengthen our identity. In addition, working

together with innovative companies provided us with new stimulus for growth.

The newly unveiled Hyundai Card Design Library houses the best design titles,

provides a space for visitors to immerse themselves in the world of design

and allows them to search for inspiration. Through the establishment of the

Design Library, we hoped to show our customers the reach of our horizons

resulting from our focus on potential beyond numbers. This motivation is also

present in our initiatives in corporate social responsibility.


believe that talent donation rather than monetary contributions can bring

fundamental change. In programs such as Dream Project, SNU-Hyundai

Card School of Mentors, and Art Stage, our diverse approach to CSR is

based on our commitment to showing the way and enabling people to achieve

their goals themselves rather than achieving them in their stead.


think beyond numbers because we dream of extraordinary goals. We are not

complacent with becoming a company that is simply large in size and profits.

We wish to be remembered as a company that challenges and redefines

market rules while continuously providing new value for our customers and

for society at large. We still have much to offer, and our thinking beyond

numbers will continue into our future.

Without Numbers 0302

emart X Hyundai Card : OYSTER Expression

EXPRESSIONBranding & Marketing

We write our own story about our origins in finance and numbers.

Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial are

considered marketing and branding powerhouses, making them rarities among

financial companies. We were able to achieve this feat by writing our own

stories to include what our customers wanted to know about us.


we strive to communicate our corporate strategies and vision, in addition to

the innovative stories behind our products via consistent storytelling. This

approach differs greatly from our competitors and even corporations in other

industries that tend to focus on marketing and public relations for a specific

product or brand. Our current customers wish to know the entire story of

our products, our corporate identity, our headquarters and other aspects of

Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial. Even

card members, who like benefits without baggage - as offered by our ZERO

Card - are interested in how our headquarters and our efficient way of working

are consistent with our simple, yet refined, approach to card plate designs. We

often talk about how we offer unique experiences, which are made possible

only when our products and corporate philosophy convey a consistent story.

As a financial company, we cannot function without numbers, but we maintain

our focus on our broader potential. Certainly, we can attract new customers

with numbers and products, but it is only through our own story and the diverse

ways to experience that story that allows us to communicate closely with

our customers. At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai

Commercial, we design new ways to communicate our story and we continue

to offer our customers unique experiences via our products and services. This is

how we approach our marketing and branding.

05Without Numbers04

Expression

EXPRESSIONBranding & Marketing

We write our own story about our origins in finance and numbers.

Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial are

considered marketing and branding powerhouses, making them rarities among

financial companies. We were able to achieve this feat by writing our own

stories to include what our customers wanted to know about us.


we strive to communicate our corporate strategies and vision, in addition to

the innovative stories behind our products via consistent storytelling. This

approach differs greatly from our competitors and even corporations in other

industries that tend to focus on marketing and public relations for a specific

product or brand. Our current customers wish to know the entire story of

our products, our corporate identity, our headquarters and other aspects of

Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial. Even

card members, who like benefits without baggage - as offered by our ZERO

Card - are interested in how our headquarters and our efficient way of working

are consistent with our simple, yet refined, approach to card plate designs. We

often talk about how we offer unique experiences, which are made possible

only when our products and corporate philosophy convey a consistent story.

As a financial company, we cannot function without numbers, but we maintain

our focus on our broader potential. Certainly, we can attract new customers

with numbers and products, but it is only through our own story and the diverse

ways to experience that story that allows us to communicate closely with

our customers. At Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai

Commercial, we design new ways to communicate our story and we continue

to offer our customers unique experiences via our products and services. This is

how we approach our marketing and branding.

06 Without Numbers 07

YG X Hyundai CardYG X Hyundai Card : BIGBANG Tangram X Hyundai Card : SMART CASE 1110

Hyundai Card DESIGN LIBRARY 1312

Corporate Culture

Hyundai Card MUSIC Pop-up Store 1716

(Convention Hall)

House of the Purple 1918

Air Lounge 2120

Hyundai Card Culture Project 2322

it card 2524

the Purple 2928

the Red 3130

Youandi Modern CI/BI Guide 3332

Hyundai Life ZERO Hyundai Card Brand Portfolio 3534

Dream Project Shop No.7 : The Honest Butcher Empowerment

EMPOWERMENTCorporate Social Responsibility

We guide and

provide small

businesses with

an encouraging

environment to

design their own

paths rather than

simply achieving

their dreams in

their stead.


strive to address the true needs of people through our CSR initiatives. Some

companies that speak about monetary donations and number of participants

assisted are driven only by superficial publicity aims and fail to provide true

value to those in need. Through our CSR initiatives, we aim to share what we

do best and foster financial independent and successful businesses.

The motivation behind our CSR programs is the reason many consider our

initiatives to be exceptional. Among our CSR activities are Dream Project,

which helps small business owners to get back up their feet, and Dream

Education, which provides underprivileged youth with practical job training

to foster financial independence. Participants in Dream Project are not simply

recipients of financial resources. They are strongly encouraged to share their

ideas and know-how with our staff and regain confidence throughout the

business renewal process. As a financial company, it is highly rewarding for

us to be able to assist those in financial trouble by rebuilding their business

capabilities and their potential for success. We also aim to facilitate and

optimize talent donations for those in need.

Through Art Stage, we sponsor students of the Korea National University of

the Arts who volunteer their time and musical talent to perform for child cancer

patients, children residing in welfare institutions, and our neighbors in need.

Students of the prestigious Seoul National University (SNU) and underprivileged

high school students walk side by side towards a brighter future through the

SNU-Hyundai Card School of Mentors, a program that provides scholarships

to students who provide academic tutoring and mentoring for their mentees.

We are not the main characters in our CSR success stories. At Hyundai Card,

Hyundai Life, Hyundai Capital, and Hyundai Commercial, we strive to approach

CSR in a way that reflects our commitment to our customers and society at large.

37Without Numbers36

Empowerment

EMPOWERMENTCorporate Social Responsibility

We guide and

provide small

businesses with

an encouraging

environment to

design their own

paths rather than

simply achieving

their dreams in

their stead.


strive to address the true needs of people through our CSR initiatives. Some

companies that speak about monetary donations and number of participants

assisted are driven only by superficial publicity aims and fail to provide true

value to those in need. Through our CSR initiatives, we aim to share what we

do best and foster financial independent and successful businesses.

The motivation behind our CSR programs is the reason many consider our

initiatives to be exceptional. Among our CSR activities are Dream Project,

which helps small business owners to get back up their feet, and Dream

Education, which provides underprivileged youth with practical job training

to foster financial independence. Participants in Dream Project are not simply

recipients of financial resources. They are strongly encouraged to share their

ideas and know-how with our staff and regain confidence throughout the

business renewal process. As a financial company, it is highly rewarding for

us to be able to assist those in financial trouble by rebuilding their business

capabilities and their potential for success. We also aim to facilitate and

optimize talent donations for those in need.

Through Art Stage, we sponsor students of the Korea National University of

the Arts who volunteer their time and musical talent to perform for child cancer

patients, children residing in welfare institutions, and our neighbors in need.

Students of the prestigious Seoul National University (SNU) and underprivileged

high school students walk side by side towards a brighter future through the

SNU-Hyundai Card School of Mentors, a program that provides scholarships

to students who provide academic tutoring and mentoring for their mentees.

We are not the main characters in our CSR success stories. At Hyundai Card,

Hyundai Life, Hyundai Capital, and Hyundai Commercial, we strive to approach

CSR in a way that reflects our commitment to our customers and society at large.


Dream Project Shop No.6 : Dduk Galore 4140

Dream Project Shop No. 5 : Dr. Bubble Dry Cleaners 4342

Dream Project Shop No. 4 : Sasha Hair Dream Project Shop No. 3 : Bean Love 4544

Dream Project Shop No. 2 : Long Legged Misters Dream Project Shop No. 1 : Sunlight Orchard 4746

Dream Education Project SNU-Hyundai Card School of Mentors 4948

Art Stage Mini Volunteer Program (M.V.P) 5150

Families Guarding Traditions Exciting Experiences 5352

PRIDE Book Pride

PRIDECorporate Culture

Our corporate

culture is rooted

in our strong

conviction.

When it comes to managing a company, we often hear about how corporate

culture is important. We see many companies investing in corporate culture,

but struggling to foster one that is consistent among their employees and

customers. There are many reasons behind this, but essentially, companies

often only have a vague idea of what corporate culture is and where to begin.


build our corporate culture based on our strong conviction, our ideals and our

aims for our industry.

Our strong conviction is based on our goal to redefine the financial industry.

This goal requires new perspectives as well as diversity and freewheeling on top

of rigorous discipline. In order to instill conviction among our employees, there

must be a unique corporate culture. We act and think according to culture, and

culture cannot be acquired simply via corporate slogans and training. Therefore,

we deem it important to develop corporate culture by inculcating experience in

the most direct way and showing by example.

Investing in our headquarters is not simply for our employees to feel pride.

Our practical mindset is exemplified in how our executive offices are designed:

small yet transparent and without unnecessary stuffs. During meetings, we

discourage note-taking or the assignment of seating by rank, in order to foster

free discussion. In recruiting talent, we look to various industries in order to

accumulate different perspectives in our talent pool. At Hyundai Card, Hyundai

Life, Hyundai Capital, and Hyundai Commercial, our corporate culture allows for

us to realize our conviction and to feel PRIDE in what we do today and tomorrow.

55Without Numbers54

Pride

PRIDECorporate Culture

Our corporate

culture is rooted

in our strong

conviction.

When it comes to managing a company, we often hear about how corporate

culture is important. We see many companies investing in corporate culture,

but struggling to foster one that is consistent among their employees and

customers. There are many reasons behind this, but essentially, companies

often only have a vague idea of what corporate culture is and where to begin.


build our corporate culture based on our strong conviction, our ideals and our

aims for our industry.

Our strong conviction is based on our goal to redefine the financial industry.

This goal requires new perspectives as well as diversity and freewheeling on top

of rigorous discipline. In order to instill conviction among our employees, there

must be a unique corporate culture. We act and think according to culture, and

culture cannot be acquired simply via corporate slogans and training. Therefore,

we deem it important to develop corporate culture by inculcating experience in

the most direct way and showing by example.

Investing in our headquarters is not simply for our employees to feel pride.

Our practical mindset is exemplified in how our executive offices are designed:

small yet transparent and without unnecessary stuffs. During meetings, we

discourage note-taking or the assignment of seating by rank, in order to foster

free discussion. In recruiting talent, we look to various industries in order to

accumulate different perspectives in our talent pool. At Hyundai Card, Hyundai

Life, Hyundai Capital, and Hyundai Commercial, our corporate culture allows for

us to realize our conviction and to feel PRIDE in what we do today and tomorrow.


Headquarters of Hyundai Card, Hyundai Capital, and Hyundai Commercial 5958

Wailing Wall 6160

Media Zone 6362

Auditorium Idea Table 6564

Market Place Townhall Meeting 6766

Focus Meeting Management Strategy Workshop 6968

Design Lab 7170

The Information & Resource Center 7372

Hyundai Capital America Headquarters 7574

Year-end Party 7776

Bike Zone Employee Cafeteria 7978

Cafe M the Box 8180

Print & Wash (Sauna) + Sauna + Sleeping Lounge 8382

Fitness Center Table Tennis Table 8584

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EXPRESSION IndexBranding & Marketing

Expression

04 emart X Hyundai Card : OYSTERA lifestyle brand made in conjunction with emart with a design that appeals universally to all smart consumers who strive for style.

10 YG X Hyundai Card : BIGBANGYG x Hyundai Card is a collaboration that brought together the differentiated know-how of finance and entertainment professionals in a rebranding project for mega-band BIGBANG.

11 Tangram X Hyundai Card : SMART CASEThis iPhone 5 case with a pocket for credit cards and a grip-friendly design was created by novel thinking and imagination revolving around credit cards.

12 Hyundai Card DESIGN LIBRARYA space to immerse in contemplation. By reading, our mental activities enjoy freedom. Books are the analog flipside to our digital generation.

16 Hyundai Card MUSIC Pop-up StoreA unique pop-up store that allows visitors to experience Hyundai Card MUSIC in an offline space whose interior dcor is consistent with the design identity of Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial.

18 House of the PurpleA place for Hyundai Cards premium card member, the House of Purple is a design salon with around 150 one-of-a-kind dcor pieces and lush furnishings.

20 Air LoungeHyundai Card Air Lounge is a members-only air lounge for travelers to recharge before their flight and take advantage of Hyundais wide range of customized services. The Air Lounge was awarded the Institute Honor Award for Interior Architecture by the American Institute of Architects in 2012.

22 Hyundai Card Culture ProjectHyundai Card Culture Project is a cultural marketing project that introduces Korean audiences to iconic figures from all over the world. Most recently, Culture Project 09 hosted Tim Burton, a traveling exhibition that made Seoul its first stop in Asia.

24 it cardHyundai Card addresses the needs of our card members to express their unique identities by offering customized card plating through the launch of it card.

28 the PurpleSometimes an image is more powerful than words to express the Purple. This image illustrates the lifestyleof the Purples member.

30 the RedThe hottest preminum describes the Red at the best. This image expresses the Red with the keyword of confidence, freedom and style.

32 Youandi ModernAt Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial, our identity began with establishing our very own corporate typeface. In 2004, Youandi was created and later evolved into Youandi Modern, which combines English and Korean into a single font and features enhanced legibility.

33 CI/BI GuideFrom designing a small brochure to building our Headquarters, our CI/BI is applied consistently according to our CI/BI guide.

34 Hyundai Life ZEROHyundai Life ZERO is an insurance plan that eliminates complicated provisions and offers easy-to-understand benefits. Just like its name, its insurance terms are neatly packaged in simple design.

35 Hyundai Card Brand Portfolio Hyundai Cards brand portfolio was built upon two elements points and cashback As exemplified by our brand portfolio, we believe credit card benefits should be as transparent as possible for our card members.

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EMPOWERMENT IndexCorporate Social Responsibility

Empowerment

36 Dream Project Shop No. 7 : The Honest ButcherTogether with Hyundai Motor Micro Credit Foundation, Hyundai Card and Hyundai Capital aim to help neighborhood business owners become self-sufficient. Rather than simply providing financial support, we coach small businesses to establish a systematic infrastructure through consulting services, interior decoration planning, and marketing advice.

40 Dream Project Shop No. 6 : Dduk GaloreBy launching a special menu targeting Yangpyong Market Special Days and increasing delivery orders, Dduk (rice cake) Galore increased their margins and overall profitability and revenues.

42 Dream Project Shop No. 5 : Dr. Bubble Dry Cleaners Dr. Bubble Dry Cleaners re-established their image as a professional dry cleaner through a major rebranding process, technical training, and interior re-design that resulted in a 50% increase in revenues.

44 Dream Project Shop No. 4 : Sasha HairDespite the limited numbers of customers in its neighborhood, Sasha Hair successfully attracted new customers from a younger age group by learning new hair cutting and styling techniques and upgrading its interior design.

45 Dream Project Shop No. 3 : Bean LoveThis restaurant achieved high revenues by taking a unique business item, namely North Korean style tofu, then benefited greatly from business consulting, store space renovation, interior design, and guidance on storefront signage.

46 Dream Project Shop No. 2 : Long Legged Misters.A snack shop that opened in front of Sungshin Womens University, it was reborn as a business in tune with the taste buds of female college students by revamping its storefront and improving its entire menu and recipes.

47 Dream Project Shop No. 1 : Sunlight OrchardIn October 2010, Dream Project Shop No. 1 opened its doors in Inwang Market, Hongjaedong, Seoul. The shop received support in re-establishing its infrastructure from renaming the business to packaging and marketing, which resulted in a two-fold increase in sales.

48 Dream Education ProjectA training program for underprivileged youth to gain financial independence and overcome the difficulties of finding employment via all-around support ranging from acquiring educational certifications to securing positions. Conducted in conjunction with Hyundai Motor Micro Credit Foundations Smile Learning Center.

49 SNU-Hyundai Card School of MentorsA tutoring-mentorship program linking high school students with Seoul National University students who volunteer their time in tutoring major subjects and providing mentoring in exchange for tuition support from Hyundai Card.

50 Art StageA culture and arts initiative comprised of students from the Korea National University of the Arts who perform for disadvantaged members of our community. Hyundai Card & Hyundai Capital provide scholarships to encourage student musicians who donate their music talent.

51 Mini Volunteer Program (M.V.P)A CSR program for employees and their families to form groups to take part in volunteer projects through talent donations and other forms of service. Employees from abroad have actively participated in this program.

52 Families Guarding TraditionsThis program invites employees and their families to appreciate and protect cultural artifacts. In August 2012, Hyundai Card participated in the purchase of the old Korean Legation Building in Washington DC and has continued its efforts to protect cultural relics.

53 Exciting ExperiencesEstablished in 2011, Exciting Experiences is a CSR program for underprivileged children who are encouraged to experience the outdoors through cultural events.

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PRIDE IndexCorporate Culture

Pride

54 PRIDE BookThe PRIDE Book summarizes our corporate culture at Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial and the way we work, which is the true source of our competitiveness. Employees who work with pride confront their work with passion, and a company driven by those with passion will inevitably grow. PRIDE is why we work.

58 Headquarters of Hyundai Card, Hyundai Capital, and Hyundai CommercialOur headquarters were designed according to a consistent design strategy and concept. These functional, yet sophisticated offices reflect the ways in which we approach our work.

60 Wailing Wall The Wailing Wall broadcasts real-time customers complaints, meaning our employees always have an open ear to the voice of our customers.

62 Media ZoneA space for the storytelling of our transformation and innovation.

64 AuditoriumWith 108 seats, the Auditorium is a multi-purpose space for performances, meetings, and lectures. Our state-of-the-art lighting and sound systems help fill this space with artistic wonder, heated discussion, and a passion for learning.

65 Idea TableAn open space with high ceilings, the Idea Table draws out creative thinking. Always at hand are rolls of paper and writing utensils to jot down ideas as they materialize.

66 Market PlaceEvery second Thursday of the month, executives from all departments come together in the Convention Hall with their laptops and paperwork to freely discuss various business plans with one another.

67 Townhall MeetingA forum where our employees and CEO can sit face-to-face to freely engage in discussion on various topics and even ask our CEO personal questions.

68 Focus MeetingEach week, our executives and CEO come together for intense discussion on two to three vital agenda items.

69 Management Strategy WorkshopAnnually, employees participate in the Management Strategy Workshop to contribute to the designing of our future at Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial. During one session, one executive said, Why do we work harder than everyone else out there? Because of pride.

70 Design LabThe Origin of Things, More from Less. Diligence gives birth to creativity. And extreme attention to detail.

72 The Information & Resource CenterThis library holds more than ten thousand books in addition to domestic and foreign periodicals and information resources. All employee purchase requests are fulfilled, and all resources can be searched for and delivered.

74 Hyundai Capital America HeadquartersSince 2007, Hyundai Capital has provided management consulting in various fields from sales to risk management.

76 Year-end Party A celebration to end the year. Our 2012 year-end party was a rockin time made possible by the passion and efforts of our employees who devote themselves to Hyundai Card, Hyundai Life, Hyundai Capital, and Hyundai Commercial.

78 Bike ZoneBikes are ready at the lobby. Bikes can be rented during the weekend and child-sized bikes are also available, so families can enjoy a ride together.

79 Employee CafeteriaServing fine cuisine by a luxury hotel chef, the cafeteria offers three dining options each day, in addition to a monthly chefs special menu.

80 Cafe MA caf that serves our employees wanting a quick break and welcomes visitors. Fitted with chairs designed by influential Danish designer Verner Panton, the caf is decorated throughout with various design works.

81 the BoxThe Box offers a healthy salad bar during lunchtime and transforms into a wine bar at night. Ideas are born whenever and wherever

82 Print & WashPrint & Wash offers color printing and book binding with a single click. At Print & Wash, employees can also get their dry cleaning done without having to worry about whether their local dry cleaners will be open after work.

83 Sauna + Sleeping LoungeA place to wash away fatigue and enjoy a power nap.

84 Fitness CenterEquipped with the latest in fitness equipment, the Fitness Center offers individual, in-house personal training which includes body type consulting and fitness regimens.

85 Table Tennis TableTale tennis table designed by Hyundai Card. Rather than the ordinary table, employee showed more interest and play actively. Good design also contributes to change peoples behavior.

86 the TableAn object with grid to express the logic and systematic image of Hyundai Card. Its a big table where you can read or play chess.

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Hcs company report 2012

Economy & Finance

Transcript of Hcs company report 2012