2013년 회사소개서 en

Thinking about numbers

With Numbers

3

C E O ’ s L E t t E r

WITH NUMBERS > CEO’S LETTER

54

The year 2013 was a most dynamic year for Hyundai Card·Life·Capital·

Commercial. Amid apprehensions of a financial crisis, we chose to renew

our way of thinking from the very beginning. Heated debate over products

and businesses led us to challenge existing methods and paradigms and

to question the application of complex financial methodologies to products.

Hyundai Card’s ‘CHAPTER2’ is one of the outcomes of such deliberation.

Consideration was put into whether our customers do indeed fit into our

prearranged category of lifestyles and whether the benefits they desired

matched with what we could offer, hence revising our products to fall under

two criteria only – plus and minus.

Hyundai Capital also approached auto finance from a new perspective.

As opposed to following traditional customs and merely innovating products,

a new wave of innovation has sunken in, resulting in an entirely new means

in approaching customers. Whereas innovation formerly took place within

the borders of a fence, we have begun discussing the adequacy, even the

necessity of the fence itself.

Hyundai Life is shifting paradigms from complex insurance products

to intuitive and simple products, offering a new sense of direction for

customers. Hyundai Commercial is also constantly on the move, gaining

stability. Whether B2B is the only effective way to handle corporate

finance is one of many questions the company is asking itself to give

variations to its business.

The most noticeable change in 2013 was the expansion of Hyundai Capital’s

overseas markets. A new outlook on overseas markets has led us to launch

a new chapter in the history of Korean finance. We are creating new models

and competing with local finance companies to reach out to local customers.

In addition to the United States, China, the United Kingdom, Germany, Russia,

India, and Australia, we have made advancements into Latin America with

the establishment of Hyundai Capital Brazil in the year 2013. Consequently,

Hyundai Capital’s overseas assets and profit stand at a level incomparable

to any other financial world in Korea. This trend is bound to shape the Korean

market into one of the most prominent global markets in the near future.

Increase in business units, regional expansions, and elaborate working

styles are creating complex and diverse business environments for Hyundai

Card·Life·Capital·Commercial. However, this year is about simplification.

We believe that simplification will allow us to abide by the essentials,

which in turn will enable us to create products for our customers. We seek

to renew our intricate business by adhering to the essence.

This is yet another change we are undergoing, one which I hope you will

also look forward to.

CEO of Hyundai Card·Capital·CommercialChairman of Hyundai Life Board of Directors

Ted Chung

7

H i s t O r y

WITH NUMBERS > HISTORy

Companies tend to speak through

numbers – their year of establishment

and years of history. But numbers

are not enough to tell us all we

need to know. Rather, emphasis

should be on the company’s vision

and content.

Hyundai Card·Life·Capital·

Commercial have always brought

up new perspectives and topics

in their respective fields. They

succeeded because they chose

to follow new paths rather than

settling for yesterday’s success.

Hyundai Capital’s overseas

business scale recorded the

biggest increase in 2013 and

Hyundai Card’s ‘CHAPTER 2’

changed the paradigm of credit

card products. ‘Hyundai Life

ZERO’, introducing a whole new

concept of insurance, created

a sensation in the market and

Hyundai Commercial has become

a front runner in corporate finance

by diversifying its business

portfolios. Refusing to settle for

yesterday’s glory, Hyundai Card·

Life·Capital·Commercial is prepared

to write another new page in history.

98

2014

05 | Hyundai Card Culture Project 14 John Mayer

| Opening of Hyundai Card Travel Library

03 | Hyundai Card My Taxi, gold

winner at the iF Design Awards

02 | Hyundai Capital, S&P

Rating of BBB+

07| Hyundai Capital, launchesHyundai Capital Brasil Serviços de Assistência Financeira LTDA. in Brazil

| Hyundai Capital, completesSkywalkers multi-base camp ‘CASTLE OF SKYWALKERS’

06| Hyundai Card CHAPTER 2

05| Hyundai Card, publishes <DESIGN without WORDS>

| Hyundai Card X Kia Motors collaboration ‘My Taxi’ exhibition

03| Hyundai Card, opens MUSICPublic

02| Hyundai Card, launches Hyundai Card X emart collaboration household goods brand ‘OYSTER’

| Hyundai Card, opens DesignLibrary

01| Hyundai Card, launches ZERO

06| Hyundai Card X YG collaboration

| Hyundai Capital, Fitch credit rating of BBB+

03| Hyundai Card·Capital·Commercial, publishes <PRIDE: 50 ways Hyundai works>

| Hyundai Card, launches ‘it card’

02| Establishment of Hyundai Life

| Hyundai Card, Premium drinking water ‘it water’ design

06| Hyundai Card, launches Platinum 2 Series

03| Hyundai Card, Culture Project 02 John Legend

12| Hyundai Card Design Library awarded with the 2013 DFAA (Design for Asia Award)

| Hyundai Capital America(HCA), best ranking in JD Power’s Customer Financing Satisfaction Study

11| Hyundai Commercial, launches Joint Plus Loan

| Hyundai Life, acquires international standard ‘ISO 27001’ certification in information security management system

09| Hyundai Card, conducts ‘London Design Festival’ exhibition project

08| Hyundai Card, publishes <Reason: There is a definite reason to Hyundai Card>

12| Hyundai Capital, establishes Hyundai Capital India Pvt. Ltd. in India

09| Hyundai Capital, establishes Beijing Hyundai Auto Finance (BHAF) in China

| Hyundai Capital, JCR credit rating of A+

07| Hyundai Capital, RAM credit rating of AAA+

| Hyundai Capital, establishes Hyundai Capital UK Ltd. in the UK

| Hyundai Commercial, launches corporate finance product family network loan for Hyundai Heavy Industries’ cooperative firms

11| Hyundai Card, Super Match 12 Dance Sports

| Hyundai Card, launches ZERO| Hyundai Capital, launches car secured loan

08| Hyundai Commercial, records financial asset of three trillion KRW

2013 2012 2011 2010 2008 2006 2004-2001

2009 2007 2005 1999-1993

10| Hyundai Card, launches MY COMPANY

08| Hyundai Card, enters into partnership with MoMA

07| Hyundai Commercial, launches corporate finance product network loan for Hyundai Motors and Kia Motors’ cooperative firms

| Hyundai Capital, launches credit loan - Direct Loan

05| Hyundai Capital, establishes Hyundai Capital Europe GmbH

01| Hyundai Commercial, launches medical appliance finance product

| Hyundai Card, awarded with Art Shelter and Red Dot main awards – gold award in environmental design at the IDEA Design Award

10| Hyundai Card/Capital, acquire international standard ‘ISO 27001’ certification in information security management system

08| Hyundai Capital, reaches over 1 million auto plan used car installment customers

07| Hyundai Card, launches the Red

05| Hyundai Card, reaches over 1 million Hyundai Card M Platinum valid members

08| Hyundai Card·Capital, open Finance Shop

04| Hyundai Card, launches service brand PRIVIA

02| Hyundai Card, launches the Purple

2004. 10| Hyundai Capital, launches auto installment plan

| Hyundai Capital-GE Capital found joint corporate

2004. 08| Hyundai Capital, enters into strategic partnership with GE Capital

2003. 06| Yeouido office building renovation

2003. 05| Hyundai Card, launches Hyundai Card M

2001. 10| Diners Club Korea Co., Ltd., changes corporate name to Hyundai Card Co., Ltd.

2001. 08| Hyundai Capital, acquires Diners Club Korea

2001. 07| Hyundai Capital, starts auto-lease business

2001. 04| Hyundai Card, relocates to head office in Yeouido

12| Hyundai Card, no.1 ranking in the National Customer Satisfaction Index in credit cards for 5 consecutive years

09| Hyundai Capital, establishes Hyundai Capital Germany GmbH

07| Hyundai Commercial, launches corporate finance product True Partners Loan for SMEs

01| Hyundai Card/Capital, launch MY BUSINESS

07| Enforces Career Market system

06| Hyundai Capital, enforces loan exemption system

04| Hyundai Commercial, listed as loan finance business (facilities lease business, installment financing business, etc)

03| Hyundai Commercial, takes over Hyundai Capital’s industrial material sector to establish company

01| Hyundai Card, Super Concert 01 Il Divo

12| Hyundai Capital, launches consolidated private loaning brand, Prime Loan

11| Hyundai Capital, first issue of global bonds worth 400,000 million USD

10| Hyundai Card-GE Capital, found joint corporate

09| Hyundai Card, Super Match 01 Maria Sharapova VS Venus Williams

08| Hyundai Card, enters into strategic partnership with GE Capital

02| Hyundai Card, launches the Black

01| Hyundai Card, founds professional volleyball team ‘Cheonan Hyundai Skywalkers’

1999. 01| Company name change to Hyundai Capital Co., Ltd.

1997. 12| Hyundai Capital, relocates to head office in Yeouido

1995. 04| Company name change to Hyundai Installment Finance Co., Ltd.

1993. 12| Establishment of Hyundai Auto Finance Co., Ltd.

11

L O C a L L O C a t i O n s

WITH NUMBERS > LOCaL LOCaTIONS

The location map of Hyundai

Card·Life·Capital·Commercial is

increasing in size and intricacy.

Starting out in Yeouido, Seoul,


Commercial now have 7,500

employees across nine countries.

Moreover, Hyundai Card is adding

to the lively colors of Seoul with

spaces such as its office building

that express the uniqueness of

Hyundai Card, as well as the Design

Library and the Travel Library.

We anticipate working with more

talents and meeting customers

in Seoul, Korea, and the spaces

of Hyundai Card·Life·Capital·

Commercial around the world.

We hope you will look forward

to the upcoming changes on the

map of Hyundai Card·Life·Capital·

Commercial for the year 2014.

1312

Hongik OfficeHyundai Card, Hyunda Capital, Hyundai Commercial

Hyundai Card Design LibraryHyundai Card

Hyundai Card Travel Library Hyundai Card

Yangjae OfficeHyundai Card, Hyundai Capital

Youngdeungpo Office Hyundai Card, Hyunda Capital, Hyundai Commercial Hannamdong Office

Hyundai Card

Headquarter 1Hyundai Card, Hyunda Capital, Hyundai Commercial


Shindaebang OfficeHyundai Life


Daejeon OfficeHyundai Card, Hyunda Capital, Hyundai Commercial

Daegu OfficeHyundai Card, Hyunda Capital, Hyundai Commercial

Seoul Auto Gallery Hyundai Capital

Castle of Skywalkers Hyundai Capital

Gwangju OfficeHyundai Card, Hyundai Life, Hyundai Capital, Hyundai Commercial

Ulsan OfficeHyundai Card, Hyunda Capital, Hyundai Commercial

Busan Office (under construction) Hyundai Card, Hyunda Capital, Hyundai Commercial

Suwon OfficeHyundai Card, Hyunda Capital, Hyundai Commercial

sEOuL KOrEa

15

G L O b a L b u s i n E s s

WITH NUMBERS > GLOBaL BUSINESS

In 2013, the global business


Commercial was at the center

of attention. Hyundai Capital

revealed its own strategy and

philosophy of handling global

business. It was a year of new

records and numbers. Hyundai

Capital America (HCA) ranked

no.1 in JD Power’s ‘Consumer

Financing Satisfaction Study’. Kia

Motors Finance ranked first place

with a score of 851 out of 1,000,

with Hyundai Motor Finance

ranking 3rd with a score of 848.

Hyundai Capital UK (HCUK) broke

the 1 trillion KRW line in assets

within a year of its establishment,

succeeding in operating on a

surplus. Overseas markets still

remain as a challenge despite

the global era. Along with various

success factors, we believe that

this achievement was possible

due to the talented employees


Commercial, capable of business

anywhere in the world.

Competing with global finance

companies enables us to learn

from them. As much as figures

indicating asset and profit & loss

are important, Hyundai Card·

Life·Capital·Commercial aspires

to concentrate on looking beyond

short-term accomplishments to

found a global management system

encompassing risk management

to corporate culture.

1716

9

2

3

4

6

7

8

5

USa Europe

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.” HCA recorded the highest

ranking in JD Power’s ‘Consumer Financing

Satisfaction Study’ released in 2013 in

the auto sector.

China

2 Beijing Hyundai auto Finance


Services: Car Wholesale/Retail Financing

Hyundai Capital’s 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.

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(HCE)

supports twenty-four offices in seventeen

countries and offers customized consulting

services by country. As Hyundai Capitals

HQ in Europe, HCE develops business models

for various countries and supervises all

business within Europe.

6 Hyundai Capital Russia LLC



and Kia Motors

7 Hyundai Capital India Pvt. Ltd.



and Kia Motors

8 Hyundai Capital Brasil Serviços de

assistência Financeira LTDa



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.

Emerging MarketUK

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 Ltd’s 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. HCUK exceeded 1 trillion KRW

in assets one year into its business.

It bears more significance as its business

was directed towards local customers.

1

19

F i n a n C i a L H i G H L i G H t s

WITH NUMBERS > FINaNCIaL HIGHLIGHTS

Numbers are critical to reviewing

the year to year results of

a company. However, one needs

to look beyond the mere size of

numbers into their content and

quality. The 2013 sales profits for

Hyundai Card, Hyundai Capital, and

Hyundai Commercial, were 219.9

billion KRW, 434.9 billion KRW,

and 75.9 billion KRW respectively.

Hyundai Life’s ZERO recorded over

10,000 contracts within three

months of being launched.

Hyundai Card renovated its

business structure through

‘CHAPTER 2’, focusing on internal

stability rather than external

growth. Hyundai Life placed

priority on reformulating the role

of the insurance business and

the definition of an insurance

company. Hyundai Capital is

maintaining a stable asset quality

with a delinquency rate of 2.7%

for over 30 days. Hyundai

Commercial also shows a sound

asset quality with a steady

delinquency rate despite the

economic downturn.

The year 2014 is also apt to bring

on many challenges. Hyundai Card

and Hyundai Life will continue to

focus on earning internal stability,

constantly initiating new issues

to the industry. Hyundai Capital,

actively entering into overseas

markets, will concentrate on its

domestic business at the same

time. We stand by the belief that

becoming the best in Korea is the

way to become the best in the world.

2120

220 -40

Unit: In billions of KRW Unit: In billions of KRW

Operating Revenue

Operating Income

Net Income

Assets

Shareholders’ Equity

Operating Revenue

Operating Income

Net Income

Assets


2013

2,528

220

163

11,521

2,366

2013

726

-40

-31

4,111

169

2011

2,408

324

239

10,852

1,997

2011

1,151

5

5

3,438

166

2012

2,526

237

194

11,252

2,192

2012

1,000

-40

-31

3,913

256

2010

2,337

371

278

10,446

1,767

2010

1,012

5

5

2,988

144

2009

1,841

286

213

7,291

1,483

2009

890

17

15

2,499

146

Financial Highlights Financial Highlights

Unit: In thousands of KRW

Unit: In thousands of KRW

Assets

Cash and bank deposits

Investment financial assets

Card assets

Property and equipment

Other financial assets

Other non-financial assets

Liabilities

Borrowings

Retirement benefit

Other financial liabilities

Other non-financial liabilities

Shareholders’ equity

Share capital

Capital surplus

Reserves

Retained earnings

Non-controlling interest

AssetsCash and cashable assetsFinancial assets at fair value through profit or lossAvailable-for-sale financial assets Loans and other receivablesProperty and equipmentIntangible AssetsInvestment PropertyCurrent tax assetsDeferred tax assetsUnamortized acquisition costsOther AssetsSeparate account assetsLiabilitiesInsurance contract liabilitiesPolicy equity adjustmentFinancial liabilities at fair value through profit or lossBorrowingsOther financial liabilitiesLiabilities of derivative securities for hedging purposesProvisionsDefined benefit liabilityDeferred tax liabilitiesOther LiabilitiesSeparate account liabilitiesShareholders’ equityShare capitalCapital surplusReservesRetained earnings(Accumulated deficit)

2013 (19th)

11,520,877,692

998,486,773

1,766,970

9,729,166,774

282,042,137

177,861,984

331,553,053

9,154,729,617

7,190,762,324

3,367,412

1,439,604,034

520,995,847

2,366,148,075

802,326,430

57,704,444

-5,856,734

1,511,954,115

19,820

2013 (11th) 4,111,324,932

75,426,713 116,709,799

1,637,383,845 1,709,419,978

44,682,575 34,772,254

243,531,555 6,165,420

15,871,377 116,629,776

6,308,794 104,422,847

3,941,914,013 3,635,832,177

3,007,020 643,460

114,803,877 34,021,442

29,113

1,459,447 12,261,768

-14,824,909

125,030,799 169,410,920 136,734,685 105,912,448 -21,421,763 -51,814,450

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

-16,504,748

1,348,744,482

19,820

2012 (10th) 3,913,299,756

694,433,806 90,689,222

1,065,790,151 1,499,717,455

37,793,645 9,022,898

244,782,031 6,037,567

-125,459,600

21,106,764 118,466,619

3,657,599,599 3,403,098,575

22,882,444 -

34,942,918 43,777,965

-

695,197 7,489,988 8,507,619

15,876,050 120,328,844 255,700,157 136,734,685 105,912,448 33,399,658

-20,346,634

Consolidated Statements of Financial Position

Consolidated Statements of Comprehensive Income

11,521 4,111Unit: In thousands of KRW Unit: In thousands of KRW

Operating revenue

Operating expenses

Operating income

Non-operating income

Non-operating expenses

Income before income tax

Income tax expense

Net income

Other comprehensive income

Total comprehensive income

Operating revenueOperating expensesOperating income(loss)Non-operating incomeNon-operating expensesIncome(loss) before income taxIncome tax expenseNet income(loss)Other comprehensive income(loss)Total comprehensive income

2013 (19th)

2,527,479,161

2,307,554,484

219,924,676

3,152,529

4,303,938

218,773,267

55,563,634

163,209,633

10,648,015

173,857,648

2013 (11th) 726,233,174

765,926,780 -39,693,606

321,872 1,229,860

-40,601,595 -9,133,779

-31,467,816 -54,821,421 -86,289,237

2012 (18th)

2,525,635,172

2,288,440,129

237,195,043

2,366,836

3,126,019

236,435,859

42,137,264

194,298,595

1,308,801

195,607,397

2012 (10th)999,679,312

1,039,194,453 -39,515,141

221,692 941,570

-40,235,019 -8,804,728

-31,430,291 16,060,232

-15,370,060

Consolidated Statements of Comprehensive Income Consolidated Statements of Financial Position

Hyundai Card Hyundai LiFE


2013 Operating Income 2013 Operating Income


2013 Assets 2013 Assets

* FY2009~FY2012: annual settlement on March 31st

* 2013: 2013.04.01~2013.12.31 (9 months), annual settlement on Dec 31st from 2013 due to changes in fiscal policy

2322

435 76


Operating Revenue

Operating Income

Net Income

Assets


Operating Revenue

Operating Income

Net Income

Assets


2013

3,222

435

391

22,389

3,253

2013

346

76

37

4,155

354

2011

3,328

661

507

21,919

2,657

2011

324

88

74

3,467

349

2012

3,542

595

437

21,907

3,040

2012

347

83

44

3,924

338

2010

3,274

630

489

20,749

2,237

2010

236

59

58

2,720

181

2009

2,989

541

411

15,855

2,156

2009

163

28

28

1,629

109

Financial Highlights Financial Highlights

Unit: In thousands of KRW Unit: In thousands of KRW

Assets


Securities

Loans receivable

Installment financial assets

Lease receivables

Leased assets


Non-current assets held for sale

Other assets

Liabilities

Borrowings

Other liabilities


Issued capital

Capital surplus

Accumulated other comprehensive income

Retained earnings


Assets


Investment financial assets

Loans receivable

Installment financial assets

Leased assets


Other assets

Liabilities

Borrowings

Other liabilities


Capital stock

Capital surplus

Accumulated other comprehensive income(loss)

Retained earnings


2013 (21st)

22,389,045,550

1,502,614,724

210,096,375

11,124,200,503

4,799,854,109

2,989,959,142

1,069,725,963

233,018,189

22,346,826

437,229,720

19,136,091,965

17,238,321,733

1,897,770,231

3,252,953,585

496,537,175

407,539,067

-11,573,082

2,360,380,179

70,247

2013 (7th)

4,154,666,557

280,498,429

311,031,112

2,985,904,723

300,002,241

211,720,716

3,708,225

61,801,110

3,800,297,853

3,660,258,181

140,039,672

354,368,704

125,000,000

74,608,060

-14,447,427

169,188,251

19,820

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

323,477,556

-

422,906,392

18,867,512,540

17,015,642,491

1,851,870,049

3,039,751,194

496,537,175

407,539,067

-13,431,771

2,148,997,594

109,129

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

939,486

137,539,435

19,820

Consolidated Statements of Financial Position Consolidated Statements of Financial Position

22,389 4,155Unit: In thousands of KRW Unit: In thousands of KRW

Operating revenue

Operating expenses

Operating income




Income tax expense

Net income



Operating revenue

Operating expenses

Operating income




Income tax expense

Net income



2013 (21st)

3,222,234,593

2,787,325,206

434,909,387

95,837,662

6,494,739

524,252,310

132,825,345

391,426,965

1,858,688

393,285,654

2013 (7th)

346,231,032

270,361,303

75,869,729

9,726,162

25,840,142

59,755,749

23,138,278

36,617,471

-15,386,913

21,230,558

2012 (20th)

3,541,680,917

2,946,939,503

594,741,413

12,439,142

17,173,703

590,006,852

153,343,818

436,663,034

45,906,369

482,569,403

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

Consolidated Statements of Comprehensive Income Consolidated Statements of Comprehensive Income

Hyundai CapitaL Hyundai COmmErCiaL


2013 Operating Income 2013 Operating Income


2013 Assets 2013 Assets

25

p r O d u C t s

WITH NUMBERS > PRODUCTS


Commercial suggest new aspects

of finance products and offer

experience. Hyundai Life has

changed its way of thinking about

insurance products. Formerly

complex insurance products have

been simplified in price, content,

and terms of payment, facilitating

customers’ direct purchase.

Hyundai Card, having revolutionized

market rules with innovative

products such as M and ZERO,

caused yet another sensation

with ‘CHAPTER 2’, based on

points and cash back as its axes.

Hyundai Capital and Hyundai

Commercial also reassessed their

products and services. In addition

to a strong background in installment

finance, they are offering new

financial values to corporate

customers as well.

Another reason why Hyundai

Card·Life·Capital·Commercial

value products is because we

believe that every product reflects

the corporate spirit and culture.

Intuitive and innovative products

translate into the working

style and culture of Hyundai

Card·Life·Capital·Commercial.

A clear corporate vision is what

enables sophistication and coherency

in products and services.

2726

Point Card M·M2·M3 Edition2 Point card with points accumulated according to usage

T3 Edition2 Mileage card with points accumulated according to usage

M CHECK Check card with points accumulated according to usage

M HyBRID Hybrid card with points accumulated according to usage with

credit payment function

Cash Back Card X·X2 Cash back card that pays back according to usage

ZERO Discount card that pays back according to usage

X CHECK Check card that pays back in cash back according to usage

X HyBRID Hybrid card that pays back in cash back according to usage with

credit payment function

Premium Card the Black Invitation only

the Purple Made for success

the Red The hottest premium

Small My BUSINESS Financial membership for private business owners

Business Card

Corporate Card My COMPaNy Corporate solution that offers more than a corporate card

Insurance Hyundai Life ZERO a value-for-money insurance service that provides four core areas

Products of coverage

•term insurance 110/120/130

•Cancer Coverage 210/220

•Coverage against the top Five adult disease 310/320/330

•Coverage for Children 405/420

•accident Coverage 505/510/520

•Life/term insurance L160/L170/L180

Life/term Insurance a plan that provides lifetime protection and financial benefits in the case

of death

annuities a pension plan providing monthly payment for living expenses

Variable Life Insurance insurance benefit for whole life and death benefits according to investment

performance

Variable annuity benefits of living funds according to investment performance

annuity Insurance tax credit and stable retirement savings

annuity Savings

Savings Insurance Effective for sizable savings based on compound interest with

tax-free benefits

Special Options special options offered according to customer needs in addition to four

main contractual insurance plans (life/term insurance, annuity insurance,

variable life insurance, variable annuity)

•term Options •Cancer (option to renew)

•accidental death •Hospitalization (option to renew)

•accidental disability •medical reimbursement (option to revew)

•top Five adult diseases •Children’s service

Loan Contractual provided to Hyundai Life plan owners, application available by phone

Products Insurance Loan or online with no additional warranty

Credit Loan For Hyundai Life plan owners, application for additional funds available

by phone or online

Housing available at fixed interest rate with housing mortgage, easily accessible loan

Mortgage Loan through visit of loan counselor

Loan for Lease usage of up to 80% with mortgage on lease deposit, easily accessible loan

through visit of loan counselor

Retirement Principal Guaranteed a plan that guarantees principal and interest rate according to the credited

Pension annuity Plan interest rate at point of contact

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

Variable annuity Plan

Hyundai Card Hyundai LiFE

2928

auto Finance New Car/Installments Loan Convenient and easy way to purchase

new car

Used Car Loan most inexpensive way to purchase used car

Direct Used Car Loan discounted interest rate for purchase

of used car

Lease/Rent Car Less burdensome car purchase and easier

maintenance

Hyundai Card·Hyundai Capital Optimum car maintenance solution

My COMPaNy Lease/Rent Car for companies

Private Finance Direct Loan Easy and fast credit loan without complex

procedures

Hyundai Card·Hyundai Capital Credit loan for procuring business funds

My BUSINESS Loan

Car Secured Loan Owner-driver exclusive loan given preference over

credit loan

Housing Loan Housing Mortgage Loan Fast mortgage loan with high credit line

of up to 85% of market value

Loan for Lease Lease fund utilizing up to 80% of deposit

u-Bogeumjari Loan of Korea Housing mortgage loan with long-term fixed

Housing Finance Corporation (KHFC) interest rate designed by KHFC

Corporate Finance Corporate Loan Customized financing to assist company

investment and growth

Corporate Lease Customized facilities lease according to company

scale and specialty

Commercial Vehicles New Industrial designing available for the optimum in purchase

and Construction Material Installment of commercial vehicles and construction machinery

Machinery Finance Industrial Material Lease Economic lease newly introduced for commercial vehicles

Used Industrial most trustworthy loan for procuring used commercial vehicles

Material Loan and construction machinery

Machine Tool Machine Tool Installment Customized installment design according to environment

Finance Machine Tool Lease Various lease options for individual needs without burden

of purchasing costs

Direct Used Direct Used Industrial direct used industrial material loan offering discounted interest

Industrial Material Material Purchasing Fund rate for applications online or via phone

Finance Direct Used Industrial Easy and fast direct industrial material mortgage loan utilizing

Material Mortgage Loan commercial vehicles and construction machinery

Direct Used Industrial Easiest direct industrial material additional loan utilizing

Material additional Loan used cars

Corporate Corporate Loans trustworthy funding for company growth and success

Financing Lease Finance From purchasing funds for machinery to funding through

machinery mortgage

Real Estate Finance trustworthy investment funding for successful real estate

business

Factoring Customized finance solution on demand with risk management

methods added to existing finance product

Joint Growth SME Joint Customized loan providing full support for growth

Growth Program of cooperative firms

Hyundai CapitaL Hyundai COmmErCiaL

31

d i r E C t O r s & E x E C u t i V E s

WITH NUMBERS > DIRECTORS & EXECUTIVES

3332

Ted Chung Chairman

Sherwood Dodge Director

Ju-hyuk Lee Director

Suk-joon Won Director

Han-woo Park Non-standing Director

Jong-hoon Won Non-standing Director

Andrew Bull Non-Standing Director

Denis Hall Non-Standing Director

Peter Herbert Non-Standing Director

Jung-han Koo Non-Standing Director | Audit Committee Member

Kyeong-soo Chae Non-Standing Director | Audit Committee Member

Do-sung Choi Non-Standing Director | Audit Committee Member

Ted Chung President | CEO

Sherwood Dodge Deputy CEO

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

Ju-hyuk Lee Head of Financial Business Div. | Executive Vice President

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

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

Jung-in Kim Head of Planning Support Div. | Senior Vice President

Yong-taek Hwang Head of Corporate Business Div. | Vice President

Mee-young Lee Head of Brand Div. | Vice President

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

Sung-won JinDeputy Head of Planning Support Div. (Operation) | Vice President

Ick-jin Park Deputy Head of Planning Support (Strategy) | Vice President

Hyun-joo Kim Deputy Head of Risk Management Div. | Vice President

Soo-kyung Kim Deputy Head of Financial Business Div. | Vice President

Byung-gu Jeon Deputy Head of Corporate Service Div. (Treasury) | Director

Yoon-seok Lee Head of HR Dept. | Vice President

Kyu-sik Kim Head of Business Legal Dept. | Vice President

Sung-chul Kim Head of Brand Dept. 1 | Vice President

In-hwan Kwak Head of Collection Support Dept. | Director

Sung-moon Kim Auditor | Director

Hong-gyun Kim Head of Fee Biz Dept. | Director

Jong-yoon Kim Head of CLM Dept. | Director

Myoung-soo Lee Head of Corporate Card Business Dept. | Director

Sung-weon Choi Head of Corporate Service Dept. | Director

Deok-hwan Kim Head of Financial Business Marketing Dept. | Director

Hwan-jun Yang Head of IT Innovation Dept. | Director

Sung-wook Kwon Head of Card Finance Dept. | Director

Hyun-woong Park Head of Corporate Risk Management Dept. | Director

Woon-tak Yeo Head of Collection Management Dept. | Director

Eric Jun Head of Information Security Dept. | Director

Chan-woo Nam Head of UX Dept.| Director

Young-il Jeon Head of Card Sales Dept. | Director

Mi-eun Kim Deputy Head of HR Dept. | Director

Niclas Neglen Finance Representative | Director

dirECtOrs ExECutiVEs

Hyundai Card

Jin-hwan Choi Chairman

Byung-chul Choi Director

Myung-sik Jang Auditor

Kyung-yup Kim Non-standing Director

Ui-myung Park Non-standing Director

Ki-suck Lee Non-standing Director

Sung-pyo Hong Non-standing Director

Jin-hwan Choi President | CEO

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

Jong-woo Kim Head of Asset Management Div. | Senior Vice President

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

Chang-geun Yang Head of IT Dept. | Director

Bo-yoon Kang Head of Appointed Actuary Dept. | Director

Dae-keum Kang Head of Underwriting Dept. | Director

Sung-hoon Park Head of Loan Business Dept. | Director

Kil-ho Jun Head of Private Sales Dept | DirectorJin-bong Han Head of Corporate Service Dept. | Director

Young-chan Woo Head of Corporate Sales Dept. | Director

Sung-woo Lee Head of Central Region Headquarter | Director

Joo-yun Lee Head of Marketing Dept. | Director

Myung-sik Jang Auditor


Hyundai LiFE

3534

Ted Chung Chairman Byeong-hee Kim Director

Byung-doo Kim Director

Byung-hui Lee Director

Won-hee Lee Non-standing Director

Sung-moon Kim Auditor

Ted Chung President | CEO

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


Byeong-hee Kim Head of General Executive Director | Senior Vice President


Ick-jin Park Deputy Head of Planning Support Div. (Strategy) | Vice President



Kyu-sik Kim Head of Business Legal Dept. | Vice President

Sung-moon Kim Auditor | Director

Byung-hui Lee Head of Industrial Finance Dept. | Director

Ki-hwa Jang Head of Corporate Finance Dept. | Director




Jong-hong Koo Head of Sales Support Dept. | Director


Hyundai COmmErCiaL


Ted Chung Chairman

Sherwood Dodge Director

Yoo-no Hwang Director

Jong-hoon Won Non-standing Director

Won-hee Lee Non-standing Director

Mandeep Johar Non-standing Director

Sung-wook Khang Non-standing Director

Sung-moon Kim Auditor

Ted ChungPresident | CEO

Sherwood Dodge Deputy CEO

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

Ju-hyuk Lee Head of Financial Business Div. | Executive Vice President

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


Keun-bae Jung Head of Auto Business Div. 1 | Senior Vice President

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


Yong-taek Hwang Head of Corporate Business Div. | Vice President

Mee-young Lee Head of Brand Div. | Vice President

Dae-kyoon Kwon Head of Auto Business Div. 2 | Vice President

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

Sung-won Jin Deputy Head of Planning Support Div. (Operation) | Vice President

Sam Suh Deputy Head of Corporate Service Div. (Overseas Business) | Vice President

Ick-jin Park Deputy Head of Planning Support (Strategy) | Vice President


Soo-kyung Kim Deputy Head of Financial Business Div. | Vice President

Byung-gu Jeon Deputy Head of Corporate Service Div. (Treasury) | Director


Kyu-sik Kim Business Legal Dept. | Vice President

Sung-chul Kim Head of Brand Dept. 1 | Vice President

In-hwan Kwak Head of Collection Support Dept. | Director

Sung-moon KimAuditor | Director

Yeon-woong Baek Head of Auto Finance Dept. 3 | Director

Tae-jin Kang Head of Auto Planning Dept. 2 | Director

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

Sung-weon Choi Head of Corporate Service Dept. | Director

Sang-min Koh Head of Overseas Business Dept. | Director

Byung-sik Jang Head of Capital Finance Dept. | Director

Deok-hwan Kim Head of Financial Business Marketing Dept. | Director


Seung-heon Baek Head of Corporate Finance Dept. | Director


Kwan-sun Ahn Head of Corporate Strategy (HCA) | Director



Chan-woo Nam Head of UX Dept. | Director

Ji-yong Lee Head of Business Innovation Dept. | Director

Gi-jeong Cheon Head of Auto Planning Dept.1 | Director

Hun-tae Kim Head of HCE (Hyundai Capital Europe) | Director

Dai-gyu Lim Head of Seoul/Inchoen Auto Regional Headquarter | Director

Mi-eun Kim Deputy Head of HR Dept. | Director

Niclas Neglen Finance Representative| Director

Waller T Blackwell Corporate Finance Risk Representative| Director

Hyundai CapitaL


37

m E d i a a r t i C L E s

WITH NUMBERS > MEDIa aRTICLES

39

03.12 / 2014DATEMEDIA

Joongang Daily

Hyundai Card and Pantech joined together for developing a new smartphone

Hyundai Card is launching a smartphone next year along with smartphone manufacturer Pantech. They will cooperate throughout all procedures, from brand strategy to technology development.

4140

Seoul Economic Daily MEDIA

03.13 / 2014DATE

Chosun Daily MEDIA

03.21 / 2014DATE

Maestro Jean Nouvel to design first floor of Hyundai CardTear down all finishing materials a liberal office environment to be created.

His touch of innovation makes or breaks the Korean finance sector Ted Chung, is regarded as a CEO who has taken the lead in being innovative in the financial sector more than anyone else.

Hyundai Card is undergoing construction in order to change their Design Lab according to Jean Nouvel’s design. The office will become a liberal space with light penetrating through.

Chung’s innovation is now moving on to the global stages like the US and London. He says production, distribution and finance, three of them combining all together, should be a global model for the Korean financial industry.

4342

MEDIA

Joongang Daily 10.10 / 2013DATE

Donga DailyMEDIA

03.06 / 2014DATE

‘My Taxi’, aspiring to become Seoul’s icon like the ‘Black Cab’ of London

Hyundai Card launched a concept car ‘My Taxi’ with Kia Motors, embodying the imagination of what future taxis will look like. The featured design and functions distinguish it from existing taxis.

Vases made from traditional Korean paper, carbon fiber chairs K Design in LondonDesign is life Hyundai Card booth attracts attention.

Hyundai Card exhibited its line of card designs for the past decade under the title ‘MONEY’ at the 11th London Design Festival.

4544

Joongang DailyMEDIA

02.11 / 2014DATEMEDIA

Maeil Business Economy 03.19 / 2014DATE

Chung refuses to slow down his race for creative management asking his employees to continue to work on their DNA of innovation. He said in his New Year's speech to his employees this year, “With our DNA of innovation, I hope all of us can get out of their comfort zones and be quick to respond to any changes and let's achieve genuine growth by engaging ourselves in more structured and in-depth thinking”.

Hyundai Capital was recently praised by several global credit rating agencies. S&P upgraded their credit rating outlook to BBB+. This improvement in rating outlooks is expected to enhance the company’s status in foreign bond markets and lead to a savings effect in real purchasing costs.

His DNa of innovation shinesHyundai Card, Capital and Commercial CEO Ted Chung is ranked the 1st in creative management.

Higher status in foreign bond markets facilitating loaning of overseas funds at low interest rates Finance company with upgraded global credit rating.

4746

Money TodayMEDIA

05.01 / 2014DATE

Maeil Economic DailyMEDIA

11.11 / 2013DATE

HCA portrays the exemplary case of a vigorous marketing idea that made extensive use of its advantages as the captive finance company of Hyundai and Kia Motors. Hyundai Capital is proactively entering into overseas markets by enthusiastically recruiting local talents and by placing the board of directors in charge of overseeing overseas offices.

Hyundai Motor & Capital join hands to come up with new marketing ideas in the U.S.Powerful product available only through the manufacturer’s captive finance company. Over 50% re-subscriptions of auto leasing program.

Hyundai Card’s “vitalization project of traditional markets” is bringing out the tradition and color of traditional markets to enhance their self-competitiveness, thereby promoting the vitalization of markets and communities. Rather than the modernizing the facilities, such as adding new buildings or installing arcades, emphasis is placed on maintaining the history and identity of traditional markets.

Hyundai Card revives the once dormant Bongpyung market Completion of the market vitalization program. adding stories and developing cooking.

4948

MEDIA

Joongang Daily 02.27 / 2014DATE

Donga DailyMEDIA

02.26 / 2014DATE

Hyundai Card and Hyundai Capital are vigorously managing information security from employee PC security to supporting the building of information security systems in cooperative firms. The CEO himself oversees monthly security meetings and the annual investment in information security alone amounts to 30 billion KRW.

‘Sudden Check’ of employee PCs/desks at 5am

Hyundai Card and Hyundai Capital are hiring new talents without heeding attention to the resume specifications. This is the first attempt in Korea’s financial industry. A new approach of ‘Job Selling’, as opposed to the idea of hiring people, was taken.

Hyundai Card’s priority of specialty over resume specifications Special screening introduced for hiring interns. Evaluation focused on the depth of experience in letter of self-introduction. ‘Selecting creative talents like Steve Jobs’.

5150

DongA Business Review MEDIA

09.02 / 2013DATE

Chosun Daily MEDIA

07.17 / 2013DATE

In his interview with Chosun Daily, CEO Ted Chung argued that “the card industry is currently undergoing a crisis and Hyundai Card’s strategy is to concentrate on its inner stability”. He also mentioned that “it’s only fun when the rational left-brained management is combined with intuitive right-brained marketing”, suggesting that distinguished market strategies will continue to be introduced.

Real innovation starts when innovation is shatteredCEO Ted Chung of Hyundai Card abandons his ’decade-long knowhow of success’.“In a crisis with profits dropping time to return to simplicity another innovation”.

Ted Chung – who became the center of attention in the financial world ever since he took office as CEO of Hyundai Card and Hyundai Capital with his constant new ventures including the launching of alphabet credit cards and VVIP cards – claims that the purpose of management is to make money while sending out a significant message to society. The interview contains various stories including the identity of Hyundai Card and the joint ventures with GE and Santander.

I dug into the company as though I had just acquired it that very day. New strategies sprouted up left and right

5352


09.02 / 2013DATE

5554

DongA Business Review MEDIA DATE

09.02 / 2013

5756

DATE

09.02 / 2013DongA Business Review MEDIA

5958

DATE

09.02 / 201309.02 / 2013DATE


6160

Chosun Weekly Biz MEDIA

11.09 / 2013DATE


10.28 / 2013DATE

Micro-Shops Chapter 2, Businesses worldwide that made it because they were small Make new attempts, move fast. Small businesses are adventurous in details and challengers of existing ideas.

Branding Chapter 2, ‘Expression’Pump up the volume to make passionate ‘fans’. It is time to let people know not what you make, but what you seek with what kind of thoughts you have.

6362


10.12 / 2013DATE


09.28 / 2013DATE

Traditional Markets Chapter 2, ‘Markets of the world’Shoppers are attracted to clean and distinct markets. Markets of the world that underwent innovation while preserving analog sentiments. Vitality gained through enhanced shopping environment, local food, and school meals.

Regional Development Chapter 2 ‘Naoshima’Constructing new thoughts, not buildings. Creating new space by installing extreme modern art among serene nature. Is tearing down and building the only way to develop?

6564

MonocleMEDIA

05.01 / 2013DATE

Reprinted by Permission of Monocle © Monocle

6766

03.01 / 2013DATE

Bloomberg Markets MEDIA DATE

6968

03.01 / 2013DATE

Bloomberg Markets MEDIA DATE

70

Bloomberg Markets MEDIA

03.01 / 2013DATE

Thinking beyond numbers

Without Numbers

C E O ' s L E t t E r

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

Ted Chung

Hyundai Card·Life·Capital·Commercial

never settled for the stereotypes

of what a finance company is

capable of doing. The same holds

for the future. Although finance is

our medium of working, we share

great interest in what lies beyond

finance and numbers. Interest in

what exists ‘beyond’ adds to the

plenitude and charm of finance.

This interest encompasses various

areas. ‘Can only idols succeed in the

Korean pop music industry?’, ‘Is it

inevitable for traditional markets to

lose their place in modern society?’,

‘Does regional development have to

be about tearing down and building

something new?’, ‘Do bus stops

have to be identical? Can they not

demonstrate their regional culture

or specific traits?’

New viewpoints and approaches

were successfully presented to

the world, starting out with these

questions. We joined hands with

regional districts and the society

to take to heart what changes we

could make. We donated a bus stop

design to the Jeju Islands that

portrayed its unique culture and

harmonized with the surroundings.

A new project is underway with

Gapa Island of Jeju, offering new

alternatives to regional development.

Bongpyung market in Gangwon

province will evince how traditional

markets can be spotlighted once

again in the modern society.

The exhibition at the design festival

‘designjunction’ in the UK received

great attention under the title

‘MONEY’ – a theme unlikely for a

design exhibition. The Super Concert

‘CITYBREAK’ featured a line-up

that would previously have been

unimaginable and showed a new

way to host a rock festival.

Our interest is not merely pivoted

towards the outside. Nor are we

dragged along by what is noticeable

only. Rather, we constantly question

and examine ourselves.

The issue of most interest to


on the topic of corporate culture is

simplification. Just like our products

have been stripped of complexity

and superfluity, we are emphasizing

the essence and clearing away all

drawbacks and excess. Corporate

culture is ultimately how we work and

think – something we value the most.


aspires to become a company

that constantly questions itself

and engages in self-retrospection.

This is what we take PRIDE in.

32

At Hyundai Card·Life·Capital·Commercial, branding and marketing find significance

not in what we make but in the expression of our observations of the world and our values.

The Design Library was an expression of the depth and detail of Hyundai Card’s

designs and ‘MUSIC’ reflected our spirit of challenging the existing music industry.

The spirit of relentlessly redefining and examining our industry led to CHAPTER 2,

which formulated a new issue in the credit card industry. Customers are

attracted when a company expresses itself.

E x p r E s s i O nbranding & marketing

WITHOUT NUMBERS > EXPRESSION

4

Money

Title of the Hyundai Card exhibition at the London Design Festival ‘designjunction’ in the UK. Card designs of the past decade

were exhibited, proving that finance, perceived as being abstract, can be explicitly expressed.

76

Pho

to b

y Ky

ungs

ub S

hin

9 12

Hyundai Card TRAVeL LIBRARy

Hyundai Card’s second spatial project. Previews of the regions one would like to visit show up on the on-screen satellite map and special trips may be planned by reading through the travel guides.

The Travel Library approaches customers’ daily lives in an intimate way with its theme of ‘travel’, dreamt of by all people.

13

Pho

to b

y Ky

ungs

ub S

hin

Pho

to b

y Ky

ungs

ub S

hin

1514

18 1916

HyundAI CARd deSIGn LIBRARy

‘Fun’ is not the only way to touch people’s hearts through culture. Customers experience Hyundai Card through the Design Library,

a space of immersion and contemplation.

Castle of Skywalkers

Multi-base camp for Hyundai Capital’s professional volleyball team ‘Skywalkers’. The players of Skywalkers train themselves both physically and mentally

in this space that befits its motif of a medieval ‘castle’.

17 20 21

26 27

Kia X Hyundai Card : My Taxi

A concept car by Hyundai Card and Kia Motors based on the compact car ‘Ray’.Simple design philosophy and customer-focused mind were

revealed through this taxi that matches with Seoul’s ambience, under the concepts of ‘Small’, ’Spacious’, and ‘Smart’.

24

25 28

Hyundai Card Super Concert 19 : CITyBReAK

Super Concert inviting top artists from worldwide for the best performances ever.A two-day rock festival was held in summer of 2013 with 30

of the world’s renowned music teams, including Metallica and Muse, staging a performance that brought them together with the audience.

29

Hyundai Card Culture Project 11 : Studio Ghibli Layout exhibition

A layout exhibition overflowing with Studio Ghibli’s creativity and imagination.Unlike normal drawings, a layout is the blueprint of an animation, revealing

the production process and source of the director’s imagination.

3130

34 35

Hyundai Card Culture Project 10 : Kraftwerk

3D performance of Kraftwerk, the founder of electronic music. Kraftwerk presented ‘music of the future’ with

vivid images and powerful melodies.

32

deSIGn without WoRdS

Archive book containing everything about Hyundai Card’s design. Projects of Hyundai Card’s Design Lab for over the past decade

are shown through images with no writing or explanations attached, disclosing the logic and thought behind Hyundai Card’s designs.

33 36 37

emart X Hyundai Card : oySTeR

Household goods brand by emart and Hyundai CardThe value of design was added to household goods used daily at home,

giving small joys to the mundane daily routine

3938

42 4340

E m p O W E r m E n tCorporate social responsibility

WITHOUT NUMBERS > EMPOWERMENT

41 44

The corporate social responsibility of Hyundai Card·Life·Capital·Commercial lies not

in bringing someone to their destination for them, but encouraging them to reach it on their own by offering

solutions and creating the right environment. We value the content of real-life changes more than numbers.

We devised the ‘Dream Realization Project’ for the recovery of small business owners, followed

by Traditional Market chapter 2. Bongpyung Market in Gangwon province was born anew in April of 2014

for its sustainability through today’s modern times. A bus stop embodying the region’s characteristic

was donated to the Jeju Islands. We will keep on proving that regional development

can also be about revitalizing what already exists.

Bongpyung Market Project

How can the value of traditional markets be renewed in the modern times?Hyundai Card demonstrates through Bongpyung Market

in Gangwon province that traditional markets are still attractive and at the heart of regional communities.

4746

dream Realization Project

Hyundai Card and Hyundai Capital’s project for self-support of micro-businesses. The project supports business owners to stand up on their own feet

by offering not just financial donations but a comprehensive success solution on consulting, interior, and marketing.

5150

54 55

dream Realization Shop no.8 : My Town’s Sunshine Fruit

The second fruit shop of the Dream Realization project, following the Sunshine Farm. Partitions were installed to separate private space

and the shop was turned into a fruits specialty store that sells ‘fresh fruit juice’ from freshly-squeezed quality fruit.

52

53 56

dream Realization Shop no.7 : Good Butcher’s Shop

Town’s small and tired butcher shop has been transformed into ‘Good Butcher’s Shop’. The entrance of the shop was

changed to an open type for intimacy with neighboring residents and a systemized price tag was introduced

57

Jeju Islands Bus Stop

A bus stop designed and donated by Hyundai Card to the Jeju Islands. It embodies the culture and characteristic of the Jeju Islands, moving away

from the indistinguishably identical image of bus stops. Designed under the motifs of Jeju’s unique front entrance style, consisting of ‘jeongjoosuk’ and ‘jeongnang’, the bus stop does not undermine the natural landscape while its modular method

permits practical maintenance of the bus shelter, bench, and sign.

5958

‘Corporate culture’ is not some vague concept but a concrete way to think and work.

The methods of Hyundai Card·Life·Capital·Commercial fit into 4 categories.

‘Strategy+Execution’, ‘Speed’, ‘Never-ending Change’, ‘Diverse yet United’. There is no strategy

without execution, and no execution without a strategy. Even with strategy and execution,

the decisive factor in determining success is speed. The culture of Hyundai

Card·Life·Capital·Commercial is about seeking diversity and searching for new questions

and answers without settling for yesterday’s answers.

p r i d ECorporate Culture

WITHOUT NUMBERS > PRIDE

60

yeongdeungpo office Building

‘Hyundai Card-ness’ can be felt in every office building in all regions. The exterior of the Yeongdeungpo Office

resembles a stacked pile of cards.

6362

Job Selling & Job Fair

Win-Win HR system for both new recruits and the HR departmentEach department engages in two weeks of Job Selling for an in-depth insight

into their organization. New recruits make use of the Job Fair to see if their competences match with the requirements of their desired department and are given time

to present their strengths and characteristics.

6766

Happy Hour

A time for executives and employees to enjoy food drinks and freely communicate with one another. Employees working in different fields gather

to chat during events such as performances and fashion shows.

6968

year end Party

A year-end party wrapping up the year. Employees who had worked diligently for the past year

were also eager to participate in the party.

7170

Business Strategy Work Shop

An annual gathering to envisage the future of Hyundai Card·Life·Capital·Commercial. Discussions

and dialogues unfold on the next steps that need to be taken

7372

Market Place

A joint working system for executives from the entire company held on Thursdays of every second week. With just their laptops and

a few documents, executives gather in the main office’s Convention Hall to discuss various businesses, regardless of department.

7574

Reason

There is a definite reason to Hyundai Card. A book was published on the reason why Hyundai Card had to succeed.

A minority in the industry merely 10 years ago, Hyundai Card was able to climb up to the very top due to its incessant endeavor to ‘Be Standard’.

7776

Lecture Room

A new meeting space for Hyundai Card·Life·Capital·Commercial. Each seat has a microphone and WIFI system installed,

allowing presentations to be made from all seats.

7978

the MInI BoX

The concept car designed by Hyundai Card, makes its appearance every day at 3pm. The MINI BOX offers

refreshments for the executives and employees.

8180

the BoX & Wailing Wall

A well-being salad bar during the day and restaurant that serves wine during the evening The resolution to always listen

to customers is reflected on the Wailing Wall, which shows real-time complaints of customers.

8382

the Table

Chess or janggi (Korean chess) may be played on ‘the Table’, which was modeled after the buildings of Yeouido. Also available

for reading books and resting, the Table visualizes Hyundai Card’s systematic and logical image through grid.

8584

Library

A library with over 10,000 books and domestic and overseas materials. All books requested by the executives and employees are purchased and displayed and lending

is available to branch employees as well.

8786

Bike Zone

Bike zone in the lobby of the Yeouido office building. The fashionably dressed Fixie bike may be rented during lunch or after

working hours for a quick stroll. Smaller bicycles are available for children for family outings during the weekend.

8988

Temporary design Lab

Temporary office space of the Hyundai Card Design Lab currently under construction. We hold true to our PRIDE in detail even

for a temporary space that will be used from March to June of 2014.

9190

Hyundai Capital America (HCA)

Overseas is no exception for projecting the corporate culture in buildingsHCA’s modular office space and employee lounge, which resembles a green forest,

are in contrast yet also similar to the domestic office building.

9392

Irvine

Dallas

Irvine

9594

AtlantaAtlanta

9796

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WITHOUT NUMBERS > INDEX

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PRIde

6 MONEY | 12 Hyundai Card TRAVEL LIBRARY | 16 Hyundai Card DESIGN LIBRARY 20 Castle of Skywalkers | 24 Kia X Hyundai Card : My Taxi

28 Hyundai Card Super Concert 19 : CITYBREAK 30 Hyundai Card Culture Project 11 : Studio Ghibli Layout Exhibition

32 Hyundai Card Culture Project 10 : Kraftwerk | 36 DESIGN without WORDS 38 emart X Hyundai Card : OYSTER

46 Bongpyung Market Project | 50 Dream Realization Project 52 Dream Realization Shop no.8 : My Town’s Sunshine Fruit

56 Dream Realization Shop no.7 : Good Butcher’s Shop | 58 Jeju Islands Bus Stop

62 Yeongdeungpo Office Building | 66 Job Selling & Job Fair | 68 Happy Hour 70 Year End Party | 72 Business Strategy Work Shop | 74 Market Place

76 REASON | 78 Lecture Room | 80 the MINI BOX | 82 the BOX & Wailing Wall 84 the Table | 86 Library | 88 Bike Zone | 90 Temporary Design Lab

92 Hyundai Capital America (HCA)

98

2013년 회사소개서 en

Documents