Hcs 영문 3Q

1. Hyundai Capital
is...
Hyundai Capital Investor Presentation 3Q2012

2. Disclaimer
These presentation materials have been prepared by Hyundai Capital Services., Inc. (“HCS or the Company”), solely for the use at this presentation and
have not been independently verified. 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. Neither the Company nor any of its affiliates,
advisers or representatives accepts any responsibility whatsoever for any loss or damage arising from any information presented or contained in this
presentation. 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. Neither the Company nor any of its affiliates, advisers or representatives make any undertaking to update any such
information subsequent to the date hereof. This presentation should not be construed as legal, tax, investment or other advice.
Certain information and statements made in this presentation contain “forward-looking statements.” Such forward-looking statements can
be identified by the use of forward-looking terminology such as “anticipate,” “believe,” “considering,” “depends,” “estimate,” “expect,” “intend,” “plan,”
“planning,”“planned,” “project,”“trend,” and similar expressions. All forward-looking statements are the Company’s current expectation of future
events and are subject to a number of factors that could cause actual results to differ materially from those described in the 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.
Certain industry and market data in this presentation was obtained from various trade associations, and the Company have not verified such data with
independent sources. Accordingly, the Company make no representations as to the accuracy or completeness of that data, and such data involves risks
and uncertainties and is subject to change based on various factors.
This presentation does not constitute an offer or invitation to purchase or subscribe for any shares or other securities of the Company and neither any
part of this presentation nor any information or statement contained therein shall form the basis of or be relied upon in connection with any contract or
commitment whatsoever. Any decision to purchase shares in any offering of shares of the Company should be made solely on the basis of the
information contained in the offering document which may be published or distributed in due course in connection with any offering of shares of the
Company, if any.
The contents of this presentation 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.

3. Key Highlights 3Q2012
1
• Strong Fundamentals
- Good profitability: Operating income of KRW 481 billion and an ROA of 2.4%
- Excellent asset quality: 30+ day delinquency rate of 2.3%
- Sound capital structure: Leverage of 5.6x and capital adequacy ratio of 14.9%
• Committed & Capable Shareholder Support
- HMC showed resilient performance with global sales up 6% (YoY)
- GE Capital continues to provide committed financial and operations support
• Continuous Credit Rating Improvement
- JCR : upgraded rating to A+
- Moody's: upgraded rating to Baa1
- S&P: BBB+, Moody's: Baa1, Fitch: BBB+, JCR: A+, RAM: AAA

4. Resilient Economic Growth and Steady Demand for New Cars
2
GDP Growth Rate & Unemployment Rate Domestic Auto Sales (‘000s)
GDP Growth Rate Unemployment Rate HMC KMC Others HMC+KMC Market Share
81.6%
3.6% 3.5% 80.1% 79.9% 79.5%
3.2% 78.2%
3.0% 2.9% 76.9%
1,465 1,474
1,394
6.1%
321 297
279
1,154 1,106
1,020
267 227
413 485 493 188
3.6%
316 367 351
2.2%
1.6%
703 660 684
571 512 482
0.2%
2008 2009 2010 2011 3Q12 2008 2009 2010 2011 9M11 9M12
Source: Bank of Korea Source: KAMA

5. Low Risk-focused Product Portfolio
3
Receivables Breakdown by Product (KRW Bn)
9.6%
7.4%
19,806 19,952
18,788
8.8% 1.5%
7.4% 7.4%
8.8%
16,480 9.1% 9.6%
16,030 9.9%
10.9% 8.7%
9.9% 7.9% 7.2%
10.9% 8.4%
7.4%
7.8% 17.3%
7.2% 18.9%
8.0% 16.3%
15.8%
14.8%
57.2% 57.6% 54.4%
56.8% 58.1%
2008 2009 2010 2011 3Q12
New Car Financing Auto Lease Used Car Financing Personal Loan Mortgage GECK Others

6. Good Profitability Underscores Strong Fundamentals
4
Income Statement (KRW Bn) Return on Equity & Return on Assets
ROE ROA
25.1%
2009 2010 2011 9M11 9M12 YoY
21.3% 22.0%
20.3%
16.3%
Operating Revenues 2,989 3,274 3,331 2,788 2,496 -10.5%
(Excluding FX effect) 2,485 2,889 3,125 2,369 2,302 -2.8% 2.8%
2.4% 2.6% 2.6% 2.4%
Operating expenses 2,448 2,644 2,672 2,184 2,015 -7.7%
2008 2009 2010 2011 3Q12
(Excluding FX effect) 1,944 2,259 2,466 1,765 1,821 3.2%
Key Highlights
Bad debt expense 176 145 354 229 261 13.9%
Operating income decreased YoY due to:
Operating income 541 630 659 604 481 -20.4% - Slower new car sales in 2012 year to date
- Greater one-time effect in the corresponding period last year
Net Income 411 489 507 462 355 -23.1% Return on assets (ROA) maintained at high level of 2.4%

7. Excellent Asset Quality and Conservative Reserve Policy
5
30+ Day Delinquency Rate (%) Total Reserve VS Regulatory Requirement (KRW Bn)
Total 30+ delinquency rate New Car 30+ delinquency rate Regulatory Requirement Reserve under Accounting Principles
Supplemental Reserve Total Reserve/ Regulatory Requirement
152.7% 153.3%
118.0% 117.1% 111.0%
647
610
2.3% 474 279
2.3% 265
2.0%
1.8%
1.6% 208
1.4%
583
521
0.9% 442
0.8% 426 401 345
0.7% 368
0.6% 288
279 265
2008 2009 2010 2011 3Q12 2008 2009 2010 2011 3Q12

8. Sound Capital Structure Maintained
6
Leverage Trend Capital Adequacy Ratio (KRW Bn)
Adjusted Capital CAR
Total Assets / Total Shareholders' Equity
Managed Borrowings / Total Shareholders' Equity 15.7%
14.9%
13.7%
13.0%
11.5%
9.7x
9.3x
8.3x
7.4x 2,989
8.7x
7.1x 2,622
2,432 2,375
7.5x
6.7x 1,825
6.5x
5.6x
2008 2009 2010 2011 3Q12 2008 2009 2010 2011 3Q12

9. Diversified Funding by Type, Duration & Region
7
Funding Portfolio by Product Funding Portfolio by Currency
KRW 65.5%
ABS
CP 4.2%
11.3% USD 21.7%
Loans, CHF 5.9%
8.8%
8.8%
MYR 2.9%
Bonds JPY 1.6%
75.9%
AUD 1.5%
CNY 0.5%
Other 0.3%
• Funding Balance: KRW 17,063 Bn • Recent Key Issuances:
• Long-term funding: 69.5% -Dim sum – 1.5yr – RMB 500m
-Samurai – 1.5yr, 2yr – JPY 20 Bn, 8 Bn
-ABS- 500m

10. Strengthened Liquidity Position
8
Liquidity Profile (Unit: KRW Bn) Cash Flow Profile (KRW Bn)
Cash Credit Line Short-term Debt Coverage Ratio*
Financial Receivables
72.8%
63.5% 10,655
2,392
36.0% 39.1% 5,668 658 185 393
30.4%
3,808 3,794 ~1Y 1-2Y 2-3Y 3-4Y 4-5Y Over 5Y
Liabilities (Debt)
2,365 5,213 1,995 1,581
2,511 2,616 4,073 3,587 615
2,106
1,789 ~1Y 1-2Y 2-3Y 3-4Y 4-5Y Over 5Y
1,338
Net Cash Flow
1,367
1,082
1,297 1,178 5,443
1,027
707 739
1,595 -1,195 -1,336 -1,396 -222
2008 2009 2010 2011 3Q12
* Short-term Debt Coverage Ratio
= (Cash + Unused committed credit line)/ Short-term debt balance
~1Y 1-2Y 2-3Y 3-4Y 4-5Y Over 5Y

11. Hyundai Capital
Company Overview
Hyundai Capital Investor Presentation 3Q 2012

12. I. Who is Hyundai Capital?

13. No.1 Consumer Finance Company
9
• Leading auto financier in Korea with dominant market share
• Eight-year-long partnership between two global leaders;
Hyundai Motor and GE Capital
- Jointly formed boards ensure active oversight
- GE Capital appoints key executives in risk management & finance
• Increasingly profitable since the establishment of the joint venture
• Captive finance company for Hyundai Motor Group in Korea, and
’
GE Capital’s only operating platform in Korea
• Excellent credit ratings based on strong fundamentals
- Fitch: BBB+(S) / S&P: BBB+(S) / Moody’s: Baa1(S) / Domestic: AA+(S)

14. Committed Shareholder Financial & Operational Support
10
Relationship with Shareholders GE Capital’s Financial Support
- Leading auto maker in Korea
2012 -GE Capital extends credit line
with approximately 80% market share (Total investment as of 3Q12: US$ 2.3bn)
- Stable & solid operational base
56.5% - Extensive sales network
2009 - GE Capital increases its back-up
credit Line to US$ 1 bn
- Powerful financing arm
2007 - GE Capital provides US$ 871mm in direct
- Effective marketing tool funding
- Most successful joint venture
- Sole consumer finance window in Korea 2006 - HCS is GE Capital’s sole consumer
finance business in Korea
- GE Capital provides US$ 600mm
back-up credit line
43.3% - Advanced knowledge on risk
management 2005 - GE Capital increases its
holdings to 43.3%
- Financial support
- Active involvement in daily
operations as well as management 2004 - GE Capital acquires 38%
equity interest in HCS

15. Strategy : Capitalize on Our Leading Position
11
• Maintain leadership in auto financing while operating
in non-auto financing sector to diversify business portfolio
• Use innovative marketing to attract customers and keep them
satisfied
• Expand internationally through providing financing services to
’
HMC/KMC’s global customers
• Place top priority on stringent risk management

16. Committed to Transparent Corporate Governance
12
Board of Directors
• Members : 4 from HMC, 3 from GECC
GECC’s veto right
Risk Control Committee Executive Finance Committee Compliance Review Board
• Member : 5 from HMC, 5 from GECC • Member : 4 from HMC, 3 from GECC • Member : 9 from HMC, 7 from GECC
• Frequency : Monthly • Frequency : Monthly • Frequency : Quarterly
• Function • Function • Function
-Determination of risk indicator levels -Approval of various operating -Formulation and execution of
and appropriate course of actions in expenses, Capex, business and compliance strategy, schemes, and
respect thereof funding plans improvements
• C-Suite executives: Vice President, Deputy CFO, Deputy CRO, Deputy CMO, Controller
GE
• Working level : GE employees also involved in day-to-day operations
Presence
• Transfer of advanced knowledge in various functions through best practice sharing program

17. II. Macro Environment

18. Korea’s Macro Environment
13
GDP Growth Rate & Key Interest Rate & 3Y KTB Rate
Government Debt to GDP ratio
Key rate(%) 3Y KTB(%)
GDP Growth Rate Government Debt to GDP
5.32
3.89
3.74 3.68
33.8% 33.4% 34.0% 2.77
30.1% 2.50 3.25
3.00 2.00 2.75
6.1%
2008 2009 2010 2011 Oct.12
Consumer Confidence Index & Unemployment Rate
103
3.6% 102
Germany
101
100 Australia
2.2% 99 Korea
CCI
1.6% 98 Canada
97 France
Japan U.K
96 U.S.A
0.2% 95
0% 2% 4% 6% 8% 10% 12%
2008 2009 2010 2011 3Q12
Unemployment rate
Source: OECD
Source: Bank of Korea * CCI: Consumer confidence index / Unemployment rate (as of FY2011)

19. Domestic Auto Market
14
Domestic Auto Sales (‘000s)
HMC KMC Others HMC+KMC Market Share
80.0% 79.8% 81.6%
79.5%
78.1%
76.9%
73.3% 73.1% 73.6%
72.0%
1,466 1,475
1,395
1,219 321 297
1,165 1,154 279
1,143
1,094 1,106
1,020
322
313 267 227
320
292 493 188
413 485
272 316
252 271 367
252 351
703 660 684
571 581 625 571
550 512 482
2004 2005 2006 2007 2008 2009 2010 2011 9M11 9M12
Source: KAMA

20. Korean Consumer Finance Market’s Unique Features
15
• Conservative lending environment
- Average auto loan life of 1.5Y (notional life of 36M + amortization structure)
- Average down-payment for a car is approximately 30%
- Low usage of revolving credit card products
• Favorable market environment for captive finance companies
- New car dealerships exclusively managed by automakers
- Stable second-hand car market: high residual value of used cars
• Strong credit infrastructure
’
- Government’s strict regulation on LTV & DTI Ratios
· Average LTV ratio for mortgages is less than 50% (Commercial Banks)
-Well developed credit bureau system

21. Hyundai Capital's Position in the Industry
16
Dominant Position in Industry** Incomparably Profitable and Sound
• Industry Assets • Profitability: ROE (Net Income/Equity)
HCS Others
Total Industry Asset Size :
KRW 44,331 bn 25.1%
HCS
Others 21.3% 22.0%
49.2% 20.3%
50.8% 17.4%
11.3%
8.3%
6.0% 5.8% 5.5%
2008 2009 2010 2011 1H12
• Industry Net Income
• Asset Quality: 30+Day Delinquency Rate
Total Industry Net Income Size:
Others 3.2% 3.2%
KRW 330.6 bn 3.0% 3.0%
35.0% 2.8%
HCS 2.3%
2.0% 2.1%
65.0%
1.8%
1.6%
2008 2009 2010 2011 1H12
* Source: Financial Statistics Information System, at end of 1H12 * Source: Financial Statistics Information System
** Installment Finance Industry

22. III. Asset Portfolio &
Financial Performance

23. Historical Asset Portfolio Breakdown
17
Receivables Breakdown by Product (KRW Bn)
New Car Financing Auto Lease Used Car Financing Personal Loan Mortgage GECK Others
19,806 19,952
18,788 1.5%
7.4% 7.4%
8.8% Non-Auto
Non-
16,480 9.1% 9.6%
16,030 20%
8.7%
15,130 9.9% 7.9% 7.2%
10.9%
7.7% 8.4%
13,472 7.4%
7.8%
12,049 4.0% 7.8% 7.2% 17.3%
11,179 18.9%
7.4% 8.0% 16.3%
8.0%
6.9% 9.4% 15.8%
4.9%
8.1% 14.3% 14.8%
5.6% 14.4%
8.7% 12.6%
Auto
80%
57.6% 54.4%
57.2%
58.1%
59.9% 56.8%
68.0% 63.3%
71.7%
2004 2005 2006 2007 2008 2009 2010 2011 3Q12
Auto
86.0% 88.7% 87.1% 82.3% 79.5% 81.1% 81.9% 82.8% 80.5%
related

24. Best in Class Risk Management
18
Strong governance for risk monitoring Examples of pre-emptive risk management
Category Actions taken Details
• Risk Control Committee (RCC)
– Decision making for most supreme risk
• Limited funding during global
– Review portfolio risk performance Asset slowdown financial crisis
Strategy
(Y2008) • Reduce non-core businesses
• Systematic New Product Risk Analysis to focus on new car financing
- Two-stage RCC approval process
- Pre-launch new product introduction and credit review Risk-based • Lower pricing for customers
point assessment New car
pricing with better credit profile
• Risk Appetite Management
• Tightened underwriting policy
– Establish guidelines for portfolio / asset quality Policy tightening preemptively
– Determine risk management strategy per product Used car
(Y2010) • Sacrificed market share due to
focus on asset quality
• Portfolio Quality Review
– Monitoring of main risk indices • More weight on cross-selling
– Follow-up on effects of credit policy changes P-loan Cross-sell
channels to new car customers
• Stress Test & Contingency Planning • Reflecting volatile housing
Residual value market conditions
– Scenario analysis based on economic forecasting Mortgage
insurance
– Prepare action plans per contingency stage • Only company insured in Korea

25. Historical Asset Quality
19
30+ Day Delinquency Rate (%)
Total 30+ delinquency rate New Car 30+ delinquency rate
5.2%
3.5%
2.3% 2.3%
2.7% 2.0%
1.7% 1.8%
1.6% 1.6%
1.5%
1.2% 1.3%
1.0% 0.9%
0.7% 0.8%
0.6%
2004 2005 2006 2007 2008 2009 2010 2011 3Q12

26. Solid Profit Underscores Strong Fundamentals
20
Income Statement (KRW Bn)
K-GAAP K-IFRS
2007 2008 2009 2010 2011 9M11 9M12 YoY
Operating Revenues 2,245 4,330 2,989 3,274 3,331 2,788 2,496 -10.5%
(excl. FX effect) 2,045 2,384 2,485 2,889 3,126 2,369 2,302 -2.8%
Operating Expenses 1,770 3,824 2,448 2,642 2,672 2,184 2,015 -7.7%
(excl. FX effect) 1,569 1,879 1,944 2,259 2,466 1,765 1,821 3.2%
Interest expenses 561 674 679 890 956 717 682 -4.9%
Lease expenses 507 587 550 557 505 379 384 1.2%
SG&A Expenses 439 498 496 586 603 406 442 8.8%
PPOP 533 600 717 778 1,014 834 742 -11.0%
Bad Debt expenses 58 95 176 145 354 229 261 13.9%
Operating Income 476 505 541 630 659 604 481 -20.4%
Income before Tax 475 518 538 639 663 608 480 -21.1%
Net Income 333 377 411 489 507 462 355 -23.1%
ROA 2.3% 2.4% 2.6% 2.8% 2.6% 3.2% 2.4%
ROE 24.4% 25.1% 21.3% 22.0% 20.3% 25.3% 16.3%

27. Historical Reserve & FSS Requirement Coverage Ratio
21
Total Reserve VS Regulatory Requirement (KRW Bn)
Regulatory Requirement Reserve under Accounting Principles Supplemental Reserve Total Reserve/ Regulatory Requirement
239.9%
195.4%
164.0% 158.5% 153.3%
151.6%
118.0% 117.1% 111.0%
647
610
474 279
265
208
583
511 521
469 382 442
423 401
364 345 368
279 288 265
213 240 222 241
2004 2005 2006 2007 2008 2009 2010 2011 3Q12
K-GAAP K-IFRS

28. Historical Leverage Trend
22
Leverage Trend
Total Assets / Total Shareholders' Equity Managed Borrowings / Total Shareholders' Equity
22.0x
14.6x
16.0x
10.7x
12.6x 9.7x 9.7x
9.3x
8.3x
7.4x
10.3x 7.1x
9.5x
8.7x
7.5x
6.5x
6.7x
5.6x
2004 2005 2006 2007 2008 2009 2010 2011 3Q12

29. Historical Capital Structure
23
Capital Adequacy Ratio (KRW Bn)
Adjusted Capital CAR
15.7%
14.9%
13.7%
12.7% 12.8% 13.0%
11.7% 11.5%
11.3%
2,989
2,622
2,432 2,375
1,825
1,591
1,540
1,033 1,337
2004 2005 2006 2007 2008 2009 2010 2011 3Q12

30. IV. Funding & Liquidity

31. Diversification of Funding Portfolio Over Time
24
Funding Principles
• Maintain ABS under 20%, CP under 10%
• Diversify funding portfolio in terms of currency, region and product
• Maintain the average liability to asset maturity ratio above 100%
Managed Borrowings (KRW Bn)
17,330 17,063
Bond-domestic Bond-overseas ABS-domestic 16,560
4.3% 4.2%
ABS-overseas Bank loans CP
8.5% 8.7% 8.7%
Total 14,335 14,378
7.4% 6.8%
13,213 13,412 9.1%
6.8%
12,597 12,568 10.6% 4.5%
8.2% 9.8% 5.9%
17.7% 16.9% 10.3%
17.2% 13.3% 8.7% 6.7%
8.3% 27.3%
6.9% 9.9% 10.4% 10.7% 29.1%
9.1%
11.9% 8.7% 25.7%
12.9%
14.2% 5.7%
31.0% 7.1% 26.5%
11.5% 29.3%
18.3%
2.9% 31.0%
14.1%
48.6%
41.9% 42.9%
36.9% 38.4% 39.1%
34.0% 30.7%
26.3%
2004 2005 2006 2007 2008 2009 2010 2011 3Q12
% of LT
39.1% 47.6% 57.5% 57.9% 59.0% 59.3% 63.5% 65.4% 69.5%
Funding

32. Funding by Currency & Outstanding Global Bonds
25
Funding Portfolio by Currency Outstanding Global Bonds*
AUD 1.5% Issue Date Maturity Amount
JPY 1.6%
Nov.’09 5.5 years USD 500m
MYR 2.9%
144A/Reg S Jan.’11 5.5 years USD 700m
CHF 5.9%
Mar.’12 5.5 years USD 500m
Nov. ‘12 1.5 years JPY 20,000m
KRW Samurai
65.5% Nov. ‘12 2 years JPY 8,000m
USD Jul. ’10 5 years CHF 150m
21.7%
Oct. ’10 4 years CHF 200m
Swiss Franc May ’11 2.5 years CHF 150m
May’11 5 years CHF 150m
Feb.’12 5 years CHF 200m
May ’11 2.5 years MYR 650m
• Funding Balance: KRW 17,063 Bn
Malaysian Ringgit Feb.’12 5 years MYR 320m
• Foreign Exchange Risk:
May ’12 3 years MYR 370m
-100% of foreign currency exposure is hedged
through swap transactions entered into at the Australian Dollar Jun. ’12 3 years AUD 175m
time of bond issuance. Dim Sum Sep. ‘12 1.5 years RMB 500m
(*As of Nov. 14, 2012)

33. Historical Liquidity Position
26
Liquidity Profile (Unit: KRW Bn)
Cash Credit Line Short-term Debt Coverage Ratio*
72.8%
63.5%
3,808 3,794
39.1%
36.0%
30.4%
25.0% 23.7%
16.0%
4.6% 2,365 2,511 2,616
2,106
1,789
1,338
1,332 1,336
1,367
1057 1,082
931 938
652 1,297
370 1,027 1,178
707 739
370 405 401 398
2004 2005 2006 2007 2008 2009 2010 2011 3Q12
* Short-term Debt Coverage Ratio = (Cash + Unused committed credit line)/ Short-term debt balance

34. V. Others

35. Credit Ratings & Rationale
27
HCS’ Global Credit Ratings* Credit Rating Rationale
AAA
A+(S) • Strong Standalone Profile
– Sustainable track record of strong profit
performance and robust credit fundamentals
Baa1(S) BBB+(S) BBB+(S)
– Low risk-focused product portfolio and prudent
risk management
– Adequate liquidity and sound capitalization
Moody's S&P Fitch JCR RAM
– Strong market position as HMC's key captive
financing arm
HCS & Competitors’ Domestic Credit Ratings
AA+
• Capable & Willing Shareholder Support
- Solid backup line provided by GE Capital through
A+ A+ A+
its capital and managerial support
A
- Strong likelihood of HMC’s assistance in
contingency given its strong relationship with the
parent evident in its capital contribution, board
members and business base.
Hyundai W Financial A Capital W Capital N Capital
Capital
(*As of Nov. 14, 2012)

36. Performance of Hyundai Motor Company
28
Strength Performance
Product Mix Total Sales (‘000s)
4,059
60% 3,612
3,106 3,023 3,209
18% 16%
6%
Compact Mid & Large RV Commercial 2009 2010 2011 9M11 9M12
Market Diversification OP Margin
10.4% 10.4% 11.1%
39.5% 8.8%
7.0%
15.0% 16.8% 18.2%
10.5%
Korea US Europe China Others 2009 2010 2011 9M11 9M12
Brand Value Net Profit (KRW Bn)
8,105
7,164
6,001 6,102
• Increase in residual value of vehicles due to
strengthened brand awareness 2,962
• Boost in luxury car sales has increased the
average selling price
2009 2010 2011 9M11 9M12

37. Global Expansion
29
Office/Corporation without funding
UK JV
Established: Dec. 2011
Capital: ￡20 mm China JV
Stake: HCS 29.99%
Established: Jun. 2012 Hyundai Capital America
Russia Capital: RMB 0.5 bn
Stake: HCS 46% Established: Sep. 1989
Capital: $1 bn
Stake: HMA 94%, KMA 6%
Hyundai Capital Europe
Established: May 2010 India Office
Capital: €2.8 mm Representative Office
Stake: HCS 100% Established: Jul. 2010
Hyundai Capital Germany
Established: Sep. 2009 Australia Office Brazil Office
Capital: €2mm Representatives Dispatched Representatives Dispatched
Stake: HCS 30.01%
• Support Global Sales Growth of HMG • Minimize Entry Risk
HCS’
HCS’
– Provide auto financing and related services – New market entry through joint ventures with
Strategy
for HMC/KMC customers local partners

38. Investor Relations Contacts
Jungsang Kim, Head of Investor Relations Minchul Seo, Deputy General Manager of Investor Relations
Phone +82 2 2167 7034 Phone +82 2 2167 7051
jungsang.kim@hyundaicard.com mcseo@hyundaicapital.com
Brett Moffat, Manager of Investor Relations Jay Moon, Manager of Investor Relations
Phone +82 2 2167 5510 Phone +82 2 2167 5312
brett@hyundaicapital.com Jay.moon@hyundaicard.com
http://ir.hyundaicapital.com/