Hyundai Capital Services is the core financial services company of the Hyundai Motor Group, providing automotive finance solutions to support every stage of the vehicle purchase and usage journey. Along with automotive finance, we offer tailored lending products for individual and corporate customers, as well as innovative financing and investment solutions for businesses. Our comprehensive financial products and services across global markets play a critical role in the execution of the Hyundai Motor Group’s strategy to provide a new mobility ecosystem.

As the Hyundai Motor Group advances its vision for the future of mobility through electric vehicles, robotics, and other emerging businesses, financial services plays an integral role in bringing these innovations closer to customers. Through innovative financing and value-added services, we are helping to expand access to next-generation mobility while making the mobility experience more convenient, personalized, and accessible for our customers.

We continue to build on our strong financial foundation and disciplined approach to risk management. We maintained strong credit ratings from the global rating agencies and recorded delinquency rates below 1% for the third consecutive year, which is among the strongest asset quality in the Korean consumer finance industry. Our growing presence in consumer lending, mortgage lending, and corporate finance has further reinforced our competitiveness beyond automotive finance.

Our global expansion remains a key driver of growth, where, as of the end of 2025, our global assets exceeded KRW220 trillion. Following the establishment of our Australia subsidiary in 2024 and our Indonesia subsidiary in 2025, we are preparing to launch our India operation in 2026. Looking ahead, we plan to expand our international footprint in alignment with Hyundai Motor Group’s global strategy while pursuing new opportunities for innovation and sustainable growth across all of our businesses.

The financial industry is undergoing a profound transformation driven by AI and digital innovation. We are responding proactively to this shift by integrating AI and data-driven capabilities across our global business. From enhancing customer solutions to improving operational efficiency, we are leveraging technology to deliver a more seamless, personalized, and differentiated financial experience.

At Hyundai Capital Services, our customers are at the core of everything we do. As we navigate an increasingly dynamic and complex environment, we will continue to innovate, adapt, and create the highest value for our customers.