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.

CEO of Hyundai Capital Services
Mok Jin-won