CEO Message

Hyundai Capital has been at the epicenter of change.

Having cemented the market reputation as Korea's leading auto financier,
the company has expanded its realm to personal credit and corporate credit
businesses, becoming the powerhouse of the consumer finance industry.

Our next evolution lies in "Global." Operating in 10 countries, Hyundai Capital Bank
Europe commenced services in 2017 and more are under way. Hyundai Capital shares
seasoned financial techniques catered to the global markets, and also brings in leading
techniques to Korea.

Hyundai Capital has also been pioneering the area of digital. We took the auto financing
platform to the digital arena, allowing everyone speedier and smarter but still secure
access to finance.

What we are facing is an unprecedented change.
I hope you stay excited for the innovation Hyundai Capital will achieve in the next years
to come.

Vice Chairman, CEO of Hyundai Capital Services
Ted Chung
Ted Chung signature