HMC Investor Presentation Hyundai Motor Company August 2019

G90

Recent Updates

Global Sales P. 2

Geographical Sales Mix P. 3

Market Updates

United States P. 4

China P. 5

Korea P. 6

W. Europe P. 7

India P. 8

Russia / Brazil P. 9

1

Global Sales

-4.6%

267 279 353 356

-0.7%

384 354

+8.4%

343 335

+2.5%

89 88

+1.6%

250 263

-4.9%

97 90

+7.9%

427 430

-0.6%

W.Europe China Korea United States

Russia India Brazil Others

9 Manufacturing Plants

6 R&D Facilities

15 Direct Sales Subsidiaries

Global Retail Sales

(Sales in Thousand units)

2018 1H 2019 1H

2018 1H 2019 1H

1,857 1,839

353 356

Total Sales excluding China

China Sales including CV

2,195 2,211

+0.7%

+1.0%

Source: Company data (Retail sales excluding CKD sales)

* Others : MEA, APAC, Turkey and etc.

2

Geographical Sales Mix

Sales by Region Feature by Region

4.6% 4.7% 5.1% 5.5%

6.7% 7.8% 8.1% 7.7%

10.4% 11.7% 12.0% 12.2%

7.5% 6.9% 6.6% 6.8%

4.4% 5.3% 5.2% 5.5%

24.5% 18.1% 17.5% 12.9%

10.1% 11.8% 11.9%

12.9%

18.0% 18.5% 17.9%

18.4%

13.7% 15.3% 15.7% 18.1%

2016 2017 2018 2019 1H

Developed Market

Emerging Market

49.5% of Total Sales

37.7% of Total Sales

Korea N.America W.Europe China E.Europe

AMEA India S. America Others Developed Market Emerging Market

SUV

Opportunity to win shares (Ex. Palisade in US market)

Outperform market growth

Market Hyundai

53.1% 43.2%

Green Regulation

SUV

Market Hyundai

31.4% 33.2%

SUV

(Company Data, Wholesales)

Cyclical slow down Cyclical Recovery Secular Growth

Market Demand

Intense Moderate Competition

Imminent Pressure Mid to Long term Pressure

Disruptive Forces

High (Ex. ADAS)

Low (Ex. Car Sharing, Hailing)

3

US Market

US Market sales Mid-to-Long Outlook

4.4% 4.0% 3.9%

4.2%

2016 2017 2018 2019(F) 2020(F) 2023(F)

775 686 678 710

29% 36% 45%

51%

SUV (%)

(Thousand units) M/S (%)

Entry CUV

Kona Tucson F/L Santa Fe

Sub-Compact SUV Compact SUV

2018

2019

Nexo Palisade Venue (4Q)

Green Car Entry CUV Mid-Size SUV

Full Line-up of SUV

2018 1H 2019 1H

SUV Pick-Up MPV Sedan

8,610 8,438

46.4%

16.4%

31.5%

-2.0%

48.1%

17.4%

29.1%

5.7% 5.4%

Industry

2018 1H 2019 1H

335 343

43.1%

56.9%

+2.5%

49.8%

50.2%

Hyundai

(Thousand units)

(Source : Company Data)

Year of Turn-Around

2019 2020 ~

Hyundai · Palisade · Venue · Sonata · Elantra · Tucson

Genesis · G90 F/L · GV80 · G80 · GV70

Regional HQ System

Enhanced dealer Competitiveness

Focusing on market & customer

Optimizing volume & profit

Reducing fleet sales Improve residual value

9.2%

M/S

9.7%

M/S

4.8%

M/S

4

China Market

New Model Line-up(Tentative)

Industry Demand

296 385

232 284

104

767 757

553 506

168

5.1%

4.8%

3.3% 3.4%

2.9%

2015 2016 2017 2018 2019 1H

(Thousand units)

SUV

Sedan

Hyundai Sales

9,345 11,993 12,600 11,771

4,980

11,475 11,841 11,540 11,245

4,836

2015 2016 2017 2018 2019 1H

SUV

Sedan

(45%) (50%) (52%) (51%) (51%)

(28%) (34%) (30%) (36%) (38%)

Sedan

SUV

EV

2019 2020 2021

Santa Fe

ix25

China Exclusive

MPV

Sonata Elantra

Mistra

Kona EV

La Festa EV

More to come

More to come

More to come

Market Strategy

Optimizing volume & profit

Product Enhancement

Optimizing volume & profit

Flexible Management

Optimizing volume & profit

New Opportunity

Launch competitive new models

EV models to meet NEV regulation

Temporarily stop production from 1st plant to alleviate fixed cost burden

Looking for new world markets to export from China

(Launch schedule is subject to change) 5

(Thousand units)

Korea Market

Rebound in domestic M/S

Expanding SUV segment sales

Industry

(Thousand units)

2018 1H 2019 1H

Sedan RV Imported Others

901 867

29.8%

31.8%

15.9%

-3.7%

35.0%

12.9%

2018 1H 2019 1H

Sedan RV Others

354 384

48.3%

+8.4%

27.8%

Industry & HMC Volume Sales

45.2%

26.3% 30.9%

25.3% 23.9%

Growth Factors

G90 Face Lift

· Launch Date : Nov 2018 · 2019 1H Sales : 11,000 units (YoY +111.8%)

Palisade

· Launch Date : Dec 2018 · 2019 1H Sales : 32,000 units

Sonata

Venue

· Launch Date : Apr 2019 · 2019 1H Sales : 48,000 units (YoY +47.4%)

· Launch Date : Jul 2019

13.9% 14.9%

6

38.9%

36.0%

38.3%

39.7%

44.1%

30.0%

32.0%

34.0%

36.0%

38.0%

40.0%

42.0%

44.0%

46.0%

2015 2016 2017 2018 2019 1H

-

100,000

200,000

300,000

400,000

500,000

600,000

700,000

800,000

2016 2017 2018 2019 1H

small

mid-large

Genesis

SUV

Others

659

18%

23%

10%

22%

26%

16%

31%

8%

19%

26%

14%

25%

9%

28%

25%

10%

27%

8%

31%

24%

689 721

384

Hyundai

Green-car Sales Trend

* Europe Market : EU + ETFA

Sales and M/S Trend

2016 2017 2018 1H.19

SUV Sedan Others

2.9% 3.0% 3.0% 3.0%

495 528 539

267

M/S

SUV Portion

Sales*

41% 39%

45% 49%

- Maximize EV & FCEV sales and Expand green-car line-up

2018 2019 2020

New Model

· Kona EV

· NEXO

· Kona HEV

· IONIQ F/L · Greener SUV Line-up - 48V mild HEV, HEV, PHEV

· Expand Kona EV supply Line-up

HEV PHEV EV FCEV

1 1 2 1

1.3 6.3

13.3 15.3

3.6

14.5

17.2 10.1 1.9

5.5

2.2

2016 2017 2018 1H.19

EV FCEV HEV PHEV

Sales* 5.0

22.9

36.2

27.8 Green-car

M/S

BEV M/S

1.3%

4.5%

6.4% 9.0%

1.0%

3.3%

4.2% 5.3%

* Thousand units

2020

i10 i30 F/L Tucson Kona F/L i20

- New powertrain & platform with better fuel efficiency

EU market volume models (sales portion : 80% )

W. Europe Market

2019 1H 2019 1H

7

India Market

2018 1H 2019 1H

Sedan SUV Others

1,720 1,546

21.9%

68.8%

-10.2%

23.5%

64.8%

9.2% 11.6%

Industry

2018 1H 2019 1H

275 260

22.2%

77.8%

-5.5%

29.2%

70.8%

16.0% 16.8%

M/S

Hyundai (Thousand units)

(Source : Company Data)

Strong M/S in SUV segment

India Sales

SUV Segment in India

Winning M/S with Refreshed Line-up

India’s First Premium EV

Kona EV

2019

2020

Creta

Venue

India’s First Fully Connected Car

i10

i20

Compact Sedan

Compact Sedan SUV-Low

New Launch

Full Model Change

2016 1H 2017 1H 2018 1H 2019 1H

Hyundai Rest

284

377

16.2% 18.3%

364

52

61 76

19.6%

46

234

21.0%

*July 2019 YTD : M/S 22.4%

(Thousand units)

Crucial Market in the Long-run

Motorization

Economy

Population · Fastest growing among major EM · Second largest after China - 1.35 Billion(2018, World Bank)

· Fastest GDP growth among major EM - 5.9%(2018), 7.5%(2021, World Bank)

· Lowest among major EM - 35 vehicles per 1,000 capita (2017)

8

Russia/Brazil Market

9

Russia Brazil

2018 1H 2019 1H

Sedan SUV Pick up

1,129 1,251

64.0%

20.9%

+10.8%

62.8%

22.4% 15.0%

14.7%

Industry

2018 1H 2019 1H

90 97

23.5%

76.5%

+7.9%

26.5%

73.5%

Hyundai

(Thousand units)

(Source : Company Data)

Rank Brand Model Sales M/S YoY

1 Hyundai Creta 17.9 29.2% 2.3%

2 Renault Duster 10.4 17.1% (5.2%)

3 Lada 4x4 7.3 12.0% (11.7%)

Rank Brand Model Sales M/S YoY

1 Renault Onix 10.7 16.9% 33.3%

2 Hyundai HB20 4.9 7.8% 7.9%

3 Kia Hatch 4.8 7.5% 5.1% Creta

(SUV-B) HB20 (PV-B)

2018 1H 2019 1H

Sedan SUV+MPV Pick up

849 829

51.2%

41.1%

-2.5%

51.6%

41.3%

7.7% 7.1%

Industry

2014 2015 2016 2017 2018 2019(E)

Market Demand Trend

2,491

1,602 1,426

1,596 1,801 1,800

2018 1H 2019 1H

88 89

45.5%

54.5%

+1.6%

41.7%

58.3%

Hyundai

(Thousand units)

(Source : Company Data)

Sales & M/S Trend

7.2%

10.1% 10.2% 10.0% 10.8%

2014 2015 2016 2017 2018 2019.1H

10.0%

180 161

145 159

180

89

2014 2015 2016 2017 2018 2019(E)

Market Demand Trend

3,333

2,480

1,988 2,176

2,474 2,700

Sales & M/S Trend

2014 2015 2016 2017 2018 2019 1H

237 205 198 202 207

100

7.1% 8.3%

10.0% 9.3% 8.4% 8.1%

* New HB20 launch in Sep.2019 * New Creta launch in 2020

* As of 2019.1H * As of 2019.1H

Retaining Core Strength

Next Design Philosophy P. 11

Cost Innovation

Smartstream P. 13

3rd Generation Platform P. 14

New Model Big Cycle P. 12

10

New Design Philosophy

DESIGN MISSION

Be the Hyundai – Creating emotional values in design DESIGN IDENTITY

SENSUOUS + SPORTINESS DESIGN SIGNATURES DESIGN STRATEGY

Hyundai Look – Creating own spirit Design based on the evolving future customer needs and desires

Emotional values In design

Innovative solutions In design

Hyundai Signature Look Hidden DLR signature

The light architecture & Parametric Jewel

Human-Centered Space Smart Living Space

Intuitive & connected interface

Human-Centered Space Emotional haptic & Sophisticated details

Sustainable & Progressive

DESIGN MISSION

Being Desirable – Audacious, Progressive, Distinctly Korean

DESIGN IDENTITY

ATHLETIC + ELEGANCE DESIGN SIGNATURES DESIGN STRATEGY

Sporty & Energetic Prestige & Exclusive

QUAD LAMPS EVOLVING CREST GRILLE

PARABOLIC LINES

G-MATRIX BEAUTY OF SPACE

Family Look Hyundai Look

11

New Model Big Cycle

2015

Elantra

Tucson

2016

Grandeur

2014

Sonata

2017

Kona

Genesis G70

2018

Santa Fe

Palisade

2019

Sonata

Venue

Genesis SUV GV80

New Elantra

New Tucson

Genesis SUV GV70

New Genesis G80

2020-

New CUV

New SUV

New Genesis G90

Ix25 (Creta)

New Creta

Entering New Model Big Cycle

Refreshing volume models 「Started from New Sonata launched in Q2 2019」

Expanding SUV line-up 「Entered new SUV segment by launching Palisade and Venue」

12

Smartstream

Fuel efficiency Roadmap Fuel efficiency improvement

Next-generation powertrains

· Engine : Refresh 5 Gasolines & 3 Diesels (inc. HEV)

· T/M : Improve current transmissions T/M : Newly develop IVT, AMT, and etc.

· Redesign structure to optimize fuel efficiency

· World’s 1st CVVD technology for G1.6 T-GDI in 2H

· IVT : Intelligent Variable Transmission, AMT : Automated Manual Transmission

· Sonata G 2.0 CVVL (2019.4)

13.3 km/ℓ 11.6~12.3 +10.8% LF DN8

20.1km/ℓ 17.4~18.0 +11.7% LF DN8

· Sonata HEV G 2.0 (2019.7)

· Sonata G 1.6-GDI with CVVD (2019 2H)

GV 80

Improve average fuel efficiency by 25% (2015 - 2020)

- 11% from 2019 to 2020 and 14% from 2015 to 2018

+5%pt

18%

23%

25%

+2%pt

Improve fuel efficiency of powertrains & vehicles

Smartstream Weight reduction 3rd gen. platform

Strengthen fuel efficiency technologies

Solar roof charging ISG · DCT 48V mild HEV

Expand eco-friendly car sales volumes

· Eco-friendly car sales : 2015 45 thousand → 2019 200+α thousand

Smartstream G 1.6

CVVD (Continuously Variable Valve Duration)

· The valve control technology regulates the duration of valve opening and closing according to driving conditions

· Optimizes both engine performance and fuel efficiency

2019 2020 ~ 2018

Gasoline

Diesel

Line-up strategy

Produce 1st gas.& diesel

Apply with 3rd gen. platform

Complete engine line-up

Complete line-up to meet tightened regulations

Elantra F/L

1.6 + IVT

8 4

2.0 CVVL

Sonata

1.6 T-GDI

Sonata

Tucson F/L

1.6

8

New

GV80

Expand full line-up &

derivative engines

(i10 to Genesis)

13

Dynamic design ratio

& more interior space

1

3rd generation platform

3rd generation integrated platform

Applied to the 8th generation Sonata

Apr. 2019

Enhanced cost structure

DN8

Increase parts commonization with more standardized parts and integrated procurement

Material cost reduction

Reduce investments and manpower of design and test for standardized parts

R&D manpower &

Investments reduction

FF

FR

EV

Mid-Large Micro-Small Small-Mid

Genesis-Large Genesis-Mid

EV-dedicated models for Hyundai & Genesis

LCV

2019 2020 ~

Target of Standardized parts (FF Mid-Large platform)

+10+α %pt

「LF Sonata」

% of Standardized parts in total material cost

「DN8 Sonata」 Strategic considerations

· More SUVs · Genesis · EVs

· Cost reduction & efficiency

· Design and performance

· New PT & weight reduction

· Regulations (Safety · Emission)

+ ③ Fun to drive

② Energy - efficient

① Design –friendly

④ Safety - first

3rd gen. platform

Overall height

△30mm

Hood △ 30~50mm

Arranged lower

Wheelbase +35mm

Overhang

△20mm

Weight reduction

& reinforced structure

4 · Weight reduction : 55kg+α

· Average strength : +10%

Enhanced fuel efficiency

& driving performance

2 · 3

· Active driving performance, immediate response, and more stability

· Improve power & fuel efficiency with Smartstream & lower underbody

14

Type of platform

A Head of Paradigm Change

Green Car

ADAS P. 19

Mobility As a Service P. 20

Clean Mobility Trend P. 17

Our Green Car Focus P. 18

15

Preparing for the Future P. 16

Preparing for the Future

Strategy & Technology Division

Internal Resources

Open Innovation S&T Division HQ

Global Open Innovation Hubs

Seoul Silicon Valley Beijing Berlin Tel Aviv

Automotive

Non-Automotive

Production R&D

Quality Control

Steel · Logistics Finance

IT

Investment

Collaboration

“Game Changer”

“Smart Mobility Service Provider”

MaaS Smart City Energy Robot A.I.

5 Core Investment Area

Smart Mobility Solution Business

Robo-taxi / Smart City

Fuel Cell / ESS Wearable Robot Autonomous Vehicle

16

Clean Mobility Trend

Fuel Economy Regulation

CO2 Regulation Avg. Regulation (CAFE)

8.7% 14.8% 17.8%

24.4%

32.8%

36.0%

2014 2015 2016 2017 2018 2019 1H

EV FCEV

HEV PHEV

84.7%

74.2%

69.3%

61.1%

51.0% 50.5%

8.7%

14.8% 17.8%

24.4%

32.8% 36.0%

13.3%

0.2%

16.1%

0.1%

14.4%

0.1% 0.1% 12.8% 11.0%

6.6% 0.0% 0.0%

EV FCEV

* Source : IHS Markit Jun.2019

Battery System Fuel cell System

* Size represent the relative annual energy consumption

Driving Range

Cost

(Equivalent Range)

355km

* Source : Bloomberg New Energy Finance forecast(2017)

Driving Range

Weight

Small Cars/Urban mobility

Medium to Large Cars, Fleets and Taxis

Bus & Truck

* Source : 2017 Hydrogen Council

Fuel Economy Regulation

Global Market Share Trend in Green Car

Weight/Driving Range Comparison

Cost Parity of EV & FCEV

17

Our Green Car Focus

Battery Electric Vehicle Fuel Cell Electric Vehicle

HMC Global Market Share in EV Market

New Models & EV platform ▶ Global Top 3

2014 2015 2016 2017 2018 2019 1H

20.9%

178

318

446

722

1,198 (Thousand Units)

EV Dedicated Platform

Charging Infrastructure

Product Enhancement

Cost Efficiency

Business Expansion

A Seg E Seg MPV

B&C Seg

Expand line up

New business model

Battery Related Biz

11 40

130

500

0.3

1.5

2.9

7.6

2020 2022 2025 2030

FCEV Production Capacity (Thousand units)

HMG Cumulative Investment (in KRW tri.)

Global leader of hydrogen community

FCEV 2.0 (2023~)

FCEV 1.0

FCEV 3.0 (2030~)

Establish business foundation

Price competitiveness & System downsizing

Line up & value chain expansion

< E-GMP >

704

0.9% (15th)

2.7% (10th)

2.9% (13th)

3.7% (10th)

4.1% (9th)

6.5% (5th)

HMC M/S

(Rank)

Global Demand

* Source : IHS Markit Jun.2019

* Ex-China 3rd

18

ADAS

2018 ~ 2019 2020 ~ 2022 2015 ~ 2018

Adopt Safety ADAS on all vehicles Offer higher ADAS technology to the market Real Road Driving of NEXO (Lev. 4)

R&D Focus

Sensors Sensor Balancing Control Platform Cockpit Module Map V2X Infra Car Cloud

19

Mobility as a Service (MaaS)

Global Investment and Collaboration In

vest

me

nt

Co

llab

.

Grab

Ola

Revv

Car Next Door

Migo

Yandex

Careem

· ASEAN, Car Sharing & Hailing

· India, Car Sharing & Hailing

· India, Car Sharing

· Australia, P2P Car Sharing

· U.S.A., Mobility Service Platform

· Russia, Robo-Taxi(LV4 Sonata, 2020 w/ Mobis)

· MEA, fleet and service (5k units by 2019)

Mid-to-Long term MaaS Business Model

Platform Business (Phase II) Building Platform (Phase I)

Building integrated service platform

Connecting global mobility belt from developed to emerging markets

Developing platform business model

Commercializing Robo-taxi

TaaS

MaaS

CaaS

CaaS - Car as a Service MaaS – Mobility as a Service TaaS – Transportation as a Service

Mid-term Focus Long-term Target

· Rental, Subscription · Fleet operation + Maintenance

· Fleet Management Service (FMS)

· Car Sharing + Car Hailing

· Smart Mobility Solution

· Robo-Taxi · Autonomous Shuttle

20

Governance

BoD & Key Improvements

ESG Enhancement Roadmap

Shareholder Return

Share Buyback & Cancellation

21

P. 22

P. 23

P. 24

P. 25

BoD & Key Improvements

Achievements in 2018

Board of Directors

Shareholder Recommended Director · Minority shareholders actively involved in appointing directors who can represent them

Expansion of BoD · Number of BoD members increase to 11 from 9 with 6 outside directors

Diversification of BoD members · Newly joined BoD members added diversity in nationalities, expertise and perspectives

Shareholder Return · Share buyback and cancellation to resolve the undervaluation of share price

Long-term Investment Strategy · 5 year R&D plan is necessary to be ready for the paradigm change in auto industry

Profit Level Commitment · CGCC1) reviewed and approved CEO’s operating income and ROE target

Increasing shareholder involvement to bring better governance and sustainable growth

CGCC1

1Corporate Governance and Communication Committee

Committees of BoD

(5 Internal / 6 Independent)

11 Members

Board of Directors

Independent Directors Recommendation Committee

· Search the talents who can contributes independent directors

· Recommend Independent director nominees for AGM

Corporate Governance and Communication Committee

· Make decisions on shareholder rights related agendas

· Review major investments and transaction plans

Audit Committee

· Approve financial statements, internal auditing process

· Designate external auditors and ensure to abide by laws

Compensation Committee *

· Approve directors’ compensation policies and scheme

· Determine directors’ compensation cap for the following year

New Committee (Expected in 2H19)

22

ESG Enhancement Roadmap

Growing Importance of ESG

ESG is considered to be a key element for sustainable growth

Market participants(equity, credit, government, etc.) take ESG as a necessary criteria when making investment decisions and policies

Phase I Phase II Phase III Phase IV

Awareness Initiation Advancement Continuing Effort (~2018) (~2019) (~2020) (2021~)

Customers make purchasing decision and assign brand value based on ESG

Report the market’s interest in ESG to top management

Offer ESG seminars to our Board members

Open dialogue with rating & consulting firms

Rank 1st place in Climate Change Actions by CDP

Involve actively with ESG rating agencies (Sustainalytics, DJSI, MSCI)

Include ESG ratings as one of CEO’s KPI

Share ESG matters with related departments

Establish corporate level management system for ESG

Review strategic approach

Coordinate with all related teams to build stronger ESG

Improve ESG practice to global peer level

Expand our exemplary activities to the group

Maintain high scores and rankings

23

Shareholder Return

Shareholder Return Payout Ratios

0.53 0.82

1.08 1.08 1.08 1.07

0.14

0.31

1.01

0.23

2013 2014 2015 2016 2017 2018 2019

0.96

1.39

1.08 1.08

2.08

0.53

4X Total Dividend (KRW tri.)

Buyback & Cancellation (KRW tri.)

Total Return Amount (KRW tri.)

6% 11%

17% 20%

27% 17%

25%

36%

51% 51%

2013 2014 2015 2016 2017 2018

71%

447% to Net Income (%)

to FCF (%)

2017 2018 Roadmap

Announced Dividend Policy · Disburse 30~50% of free cash flow · Target peer level of payout ratio

Total Shareholder Return · 1.1 trillion KRW (4,000won/share)

· Payout ratios : 27% of NI / 50% of FCF

Buyback and Cancellation · 3% of o/s shares cancellation (Apr)

· 1% of o/s shares buyback (Nov)

Total Shareholder Return · 1.1 trillion KRW (4,000won/share)

· 1.0 trillion KRW of share buyback

Enhance dividend policy reflecting opinions from shareholders

Review various means and policies of shareholder return

*

* Represents share buyback completed between Jan. 1 – Feb. 27

24

Share Buyback and Cancellation

2.9

5.7

2.8

Buyback &

Cancellation

Treasury shares

Cancellation

KRW 380 Billion

Buyback

Buyback & Cancellation Total Issued Shares Treasury Shares

Outstanding Shares

268.7 263.0

16.8 (5.9%)

13.9 (5.0%)

March 2018 March 2019

Total issued : 285.5 Total issued : 276.9

(Unit : Million Shares) (Unit : Million Shares)

KRW 559 Billion

KRW 308 Billion

Apr 27 2018

Nov 30 2018

Buyback & Cancellation : 1% of total issued shares

Cancellation of treasury shares : 2%

Buyback : 1% of total issued shares

25

Appendix

26

Wholesales by Region P. 27

Recent Earnings by Division P. 29

Finance Division P. 30

Statement of Income P. 28

(Thousand units) Q2

2018 Q2

2019

Q2 2019 Vs

Q2 2018

Korea 185 200 +8.1%

North America 224 215 -4.1%

Europe 156 149 -4.8%

India 137 127 -7.7%

Russia 052 051 -1.5%

South America 079 083 +4.7%

Others1 141 140 -1.0%

Sub-total (ex-China)

971 961 -1.1%

China 217 141 -35.1%

Total2 1,192 1,105 -7.3%

Wholesales by Region

2018 1H

2019 1H

2019 1H Vs

2018 1H

354 384 +9.1%

428 413 -3.3%

302 291 -3.6%

275 260 -5.6%

094 100 +6.1%

148 142 -4.0%

259 263 +1.4%

1,855 1,848 -0.4%

380 272 -28.4%

2,142 2,126 -5.1%

1 MEA, Asia-Pacific, Other regions, Commercial vehicles(ex. Korea CV) 2 Wholesales including CV

27

(KRW Bil.) 2016 2017 2018

Revenue 93,649 96,376 96,813

Gross Profit 17,689 17,578 15,142

Margin (%) 18.9 18.2 15.6

SG&A 12,496 13,003 12,720

Portion (%) 13.3 13.5 13.1

Operating Income 5,194 4,575 2,422

Margin (%) 5.5 4.7 2.5

Income before tax 7,307 4,439 2,530

Margin (%) 7.8 4.6 2.6

Net Income 5,720 4,546 1,645

Margin (%) 6.1 4.7 1.7

Depreciation 2,165 2,255 2,358

Amortization 1,194 1,275 1,404

EBITDA 8,552 8,104 6,184

Statement of Income

2018 1H

2019 1H HoH

47,148 50,953 +8.1%

7,394 8,536 +15.4%

15.7 16.8

5,762 6,473 +12.3%

12.2 12.7

1,632 2,063 +26.4%

3.5 4.0

2,055 2,603 +26.7%

4.4 5.1

1,542 1,953 +26.6%

3.3 3.8

1,147 1,234

696 636

3,475 3,933

28

Recent Earnings by Division

(KRW Bil.) 2016 2017 2018

Revenue 93,649 96,376 96,813

Automotive 72,684 74,490 75,265

Portion (%) 77.6 77.3 77.7

Finance 14,052 15,415 14,958

Portion (%) 15.0 16.0 15.5

Others 6,914 6,471 6,589

Portion (%) 7.4 6.7 6.8

Operating Income 5,194 4,575 2,422

Automotive 3,481 2,585 1,062

Margin (%) 4.8 3.5 1.4

Finance 703 718 747

Margin (%) 5.0 4.7 5.0

Others 575 339 105

Margin (%) 8.3 5.2 1.6

Adjustment 434 932 508

2018 1H

2019 1H HoH

47,148 50,953 8.1%

36,241 39,633 9.4%

76.9 77.8

7,994 8,003 0.1%

17.0 15.7

2,913 3,317 13.9%

6.2 6.5

1,632 2,063 26.4%

851 1,546 81.7%

2.3 3.9

439 517 17.7%

5.5 6.5

127 120 -5.6%

4.4 3.6

215 -120

29

Finance Division_HCA

Earnings Trend

Asset Origination

Penetration Ratio

Managed Asset Size

(KRW Bil.)

(USD Bil.)

30

48.4%

55.8% 53.6%

46.1% 50.8%

2015 2016 2017 2018 2019 1H

74.8% 79.4% 80.8% 80.8% 81.1%

2015 2016 2017 2018 2019 1H

Sub Prime

Near Prime

Prime

27.7

31.0 31.1

30.3 30.5

2015 2016 2017 2018 2019 1H

7,013 8,633 9,124

9,738

5,304

3.1%

1.0% 1.2%

1.7%

2.4%

0.0%

0.5%

1.0%

1.5%

2.0%

2.5%

3.0%

3.5%

-

2,000

4,000

6,000

8,000

10,000

12,000

14,000

2015 2016 2017 2018 2019 1H

Revenue Net Profit %

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