2. 1
Disclaimer
This presentation material is being presented to you solely for your information only and may not be taken away by you and 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.
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
Companies nor any of theirs 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 Companies nor any of their 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 Companies’ 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 Companies have not verified such
data with independent sources. Accordingly, the Companies 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 Companies 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 Companies 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 Companies, if any.
3. 2
상반기 주요 이슈
§ 비우호적 시장환경에도 불구하고 Captive 금융사 본연의 사업강화로 자산 성장
§ 지속적인 리스크 관리 결과 건전성 개선과 대손비용 감소로 이익개선의 토대 마련
§ Global 사업 역량 강화를 통해 해외사업 확대
4. 3
사업 환경
국내경기 자동차 판매현황
정체된 Captive 자동차 판매
• 수입차 강세 영향
• 하반기 베스트셀러 중심 신차출시로 판매 개선 기대
(현대차 아반떼, 기아차 K5 등)
(단위: 천대)
경기 회복 지연
• GDP성장률 전망 하향 조정 (한국은행, ‘15년 7월)
저금리 지속
• 조달변별력 약화로 경쟁 심화
2.0%
2.8%
3.3%
2.4%
2.75%
2.50%
2.00%
1.50%
2012 2013 2014 1H15
GDP 성장률 기준금리
668 641 685
336
482 458 465
243
392 441 510
279
1,542 1,540 1,660
857
74.6%
71.4%
69.3%
67.5%
2012 2013 2014 1H15
현대차 기아차 기타 현대차그룹 M/S
5. 4
자산
자산 포트폴리오 2015년 사업 전략
(단위: 십억원)
2012 2013 2014 1H15 YTD
신차 11,000 10,510 10,472 10,832 3.4%
리스 3,805 3,976 3,818 3,896 2.0%
중고차 1,410 1,484 1,464 1,418 -3.1%
개인금융 1,959 2,111 2,162 2,075 -4.0%
모기지 1,641 1,796 1,745 1,667 -4.5%
자동차금융 전략
• 제조사 공동마케팅 통한 상품 경쟁력 강화
• 특화 상품 출시로 고객 니즈 대응 (PCP, 개인리스)
개인금융 전략
• 우수 신용등급 고객 대상 금융상품 마케팅 확대
v 참고: 제조사 공동마케팅
(단위: 십억원)
1월 기아차 전차종 할부금리 1% 인하
3월 현대차 전차종 할부금리 1% 인하
기아차 “모닝커피” 판촉
현대차 “아반떼 10만원의 기적” 판촉
5월 쏘나타 무이자 할부 실시
16,214 15,970 15,754 16,146
4,070 4,428 4,569 4,590
20,285 20,397 20,323 20,735
79.9% 78.3% 77.5% 77.9%
2012 2013 2014 1H15
Auto자산 Non-auto자산 Auto자산 비중
10. 9
유동성
유동성 보유현황 단기차입금 Coverage
Contingency framework 운영
• 위기감지 후 신속한 의사결정 및 대응 시스템 구축
• 주요 시장 지표 일일 모니터링 실시
(단위: 십억원) (단위: 십억원)
유동성 관리 방안
• 바젤 III의 Liquidity coverage ratio 기준 충족
• Credit line 제공 기관 및 만기 다변화
1,100 1,304 1,375 1,210
2,480 2,345 2,524 2,894
3,580 3,649 3,899 4,104
2012 2013 2014 1H15
현금 Credit line
5,176 4,953
5,790
4,889
69.2% 73.7%
67.3%
83.9%
2012 2013 2014 1H15
단기차입금 단기차입금 coverage
12. 11
참고
개인리스 출시 인증중고차 전시장 오픈
자동차금융 Value chain 강화
• 체계적으로 관리된 리스 반납차량 활용
• 차량 잔가 효율적 관리
소유에 대한 의식변화 주도
• 신차 판매 증가 및 차량교체주기 단축
• 적은 월 불입금으로 관리가 용이한 차량 이용