Every decision and action taken by Hyundai Card reflects ethical standards and social responsibility through compliance activities, extending beyond mere economic and legal responsibilities. Ethical management is a practice that recognizes not only a company’s financial and legal duties, but also the ethical responsibilities expected by society as a basic obligation. Accordingly, this approach involves proactively establishing corporate ethical compliance as a fundamental action principle.

Hyundai Card structures compliance activities to start with ensuring the observance of laws and regulations, extending to risk management designed to achieve business targets. However, Hyundai Card’s compliance goes beyond fulfilling legal obligations to cultivate ethical corporate culture to rectify inappropriate internal practices and cost structures in line with ethical standards, thereby enhancing competitiveness and economic value.

HCC Compliance Diagram

Approach

< Code of Ethics >

In the Code of Ethics, Hyundai Card defines the ethical management activities required when engaging with stakeholders, and establishes the corresponding policies, regulations, guidelines, and work processes to ensure full compliance. Hyundai Card’s employees and executives place the utmost priority on customer satisfaction and shareholder value maximization in every judgement and practice. By establishing sound ethical values, all employees and executives ensure compliance with relevant laws and fundamental ethical codes, while carrying out duties according to fair procedures and methods.

Local community
and Government agencies

Social Responsibilities

Fulfillment of social responsibilities

Partner companies
and competitors

Fair execution of work

Transparent business relations
with partner companies

Prohibition of conflict of interests

Protection of company assets

Fair competition

  • Protection of customer interests

    • Service for customer satisfaction
    • Protection of customer information

  • Corporate responsibilities
    toward employees

    • Fair treatment
    • Fostering of talent
    • Management of internal whistle-blowing system

  • Mutual respect between employees

    • Practicing work etiquette
    • Prohibition of sexual harassment

  • Protection ofShareholders' interests

    • Increase in corporate value
    • Enhancement of international credit standing
    • Transparent accounting
    • Respect for shareholders’ opinion

< Zero Tolerance Policy >

Hyundai Card enforces the Three Zero Tolerance Policy, ensuring that strict accountability is imposed on any violator, regardless of rank or position.

  • Customer
    Information
    Protection
  • Transparency
    in Business
    Relations
    with Partner
    Companies
  • Antitrust
    Protection

Hyundai Card Z.T.P

Major Activities

Hyundai Card established the necessary organization & systems. and takes regular training, monitoring for ethical management activities.

  • Training
    • Common mandatory training

      Joint sessions on compliance, information security, etc. This face to face training is mandatory once a year

    • Specialized training

      Specialized compliance training by business

    • Compliance campaign

      Repeated training through quiz events

  • Establishment of Regulations · Systems
    • Self-audit system

      Each department voluntarily reports on adequacy of
      internal control compliance

    • Compliance Committee operation

      A meeting is held to share information on compliance issues

    • Reporting channels

      Various channels for reporting violations e.g.
      external hot-line, Ombudsperson system and cyber auditing

  • Monitoring
    • Field inspection

      Make site visits to inspect compliance with policies

    • Various reporting systems

      Provision and receipt of gifts or entertainment, conduct that causes conflict of interests, Contact with competitors, etc

History

  • 2021 ~ Present

    1. 2025. 12

      Acquired AA grade for Compliance Program

    2. 2025. 06

      Held Compliance Program declaration ceremony

    3. 2024. 12

      Acquired AA grade for Compliance Program

    4. 2024. 06

      Held Compliance Program declaration ceremony

    5. 2024. 05

      Establishment of Regulation for the Prevention of Financial Accident

    6. 2023. 10

      Revision of Compliance Program Handbook

    7. 2023. 07

      Amendment of Compliance Program Operation Regulation

    8. 2023. 02

      Amendment of Internal Control Standards and Guidelines for Hyundai Motor Financial Conglomerate

    9. 2022. 02

      Conducted training on 'Employee Mutual Respect' for team leads/branch managers

    10. 2021. 12

      ISO37301 (Compliance Management Systems) certification

    11. 2021. 06

      Upgraded AML control fromework/system

    12. 2021. 03

      Implemented business manual for CDD of virtual asset businesses

  • 2011 ~ 2020

    1. 2020. 09

      Established internal control criteria for Hyundai Motor Financial Group

    2. 2020. 08

      Implemented Environmental, Social, Governance(ESG) policy (Human rights charter, Ethics charter and Code of Conduct etc.)

    3. 2020. 06

      Introduced Commitment to fair transactions to be signed and submitted

    4. 2020. 06

      Conducted online compliance training for all employees

    5. 2020. 02

      Introduced voluntary reporting program

    6. 2019. 12

      Hosted presentation on AML enterprise risk assessment

    7. 2019. 07

      Implemented preventive and ex-post measures against workplace harassment

    8. 2018. 12

      Conducted disability awareness training sessions

    9. 2018. 11

      Strengthened protective measures to ensure the right to health for customer service workers

    10. 2017. 07

      Implemented Mandatory leave program

    11. 2017. 01

      Introduced reporting of financial investment product(stocks etc.) transactions

    12. 2016. 09

      Conducted training on anti-graft law for all employees
      Adopted policy and process for the protection of customer service employees

    13. 2016. 06

      Launched Product review system

    14. 2016. 01

      Enforced stricter CDD (checking
      beneficial owner) to comply with
      amended AML laws

    15. 2015. 11

      Hosted Compliance Campaign
      'Come Play' (videos created by
      employees, compliance quiz)

    16. 2015. 04

      Introduced compliance 3 strikes system

    17. 2015. 04

      Create product review council for
      consumer protection (NPI)

    18. 2014. 11

      Won Grand Prize in the 22nd Korea
      Ethical Management Awards

    19. 2014. 10

      Established Vendor Management
      Program

    20. 2014. 07

      Hosted Compliance UCC Contest

    21. 2014. 06

      Held Compliance Remind Campaign
      (Employee Code of Conduct,
      transparent relations with vendors,
      conflict of interest, using SNS)

    22. 2013. 12

      Adopted leniency system

    23. 2013. 11

      Ran a Compliance Remind Campaign (anti-cartel, customer information rotection)

    24. 2013. 10

      Set up hotline for reporting from external parties

    25. 2013. 07

      Created & distributed sexual
      harassment casebook

    26. 2013. 05

      Opened the integrated personal information file management system

    27. 2013. 02

      Provided specialized compliance training

    28. 2012. 10

      Established the business continuity
      management system

    29. 2011. 08

      Provided Compliance School course

    30. 2011. 04

      Selected the third group of ombudspersons

    31. 2011. 02

      Provided special training in relation to the Credit Information Act

  • 2001 ~ 2010

    1. 2010. 12

      Received an A Grade for the voluntary fair trade compliance program

    2. 2010. 09

      Training was provided to department managers on fair trade, including prevention of collusion

    3. 2010. 08

      Revised and distributed the voluntary fair trade compliance manual

    4. 2010. 04

      Compliance training was provided to base organization managers

    5. 2010. 03

      Strengthened the ombudsperson system

    6. 2009. 12

      • Sent an official document for establishment of transparent transaction practices with partner companies
      • Issued the Compliance Guideline

    7. 2009. 05

      Implemented a cyber course for intensified compliance training

    8. 2009. 03

      Implemented the second, expanded ombudsperson system

    9. 2009. 02

      Received an A Grade for the voluntary fair trade compliance program

    10. 2008. 11

      Became the first financial institution
      to receive ISO2007 certification in ‘customer information protection category’

    11. 2008. 09

      Revised and distributed the voluntary fair trade compliance manual

    12. 2007. 11

      • Implemented the ombudsperson system
      • Provided video training on compliance regulations

    13. 2007. 01

      Implemented the sexual harassment counseling system

    14. 2006. 08

      Revised the voluntary fair trade compliance manual

    15. 2006. 06

      Established and implemented the compliance inquiry system

    16. 2005. 10

      • Provided a compliance enhancement course to all employees
      • Disclosed and publicized the compliance logo

    17. 2005. 05

      Opened a dedicated internal website on compliance

    18. 2004. 11

      Provided special training on ethical management to managers

    19. 2004. 06

      Provided training on fair trade

    20. 2003. 11

      Implemented a system on providing customer information to outside parties

    21. 2003. 09

      Provided a cyber ethical management course

    22. 2003. 05

      Implemented a written pledge on work ethics compliance

    23. 2003. 04

      Enforced the zero tolerance policy

    24. 2002. 11

      Adopted the Compliance Program (CP)

    25. 2002. 10

      Created a voluntary fair trade compliance manual

    26. 2002. 04

      Appointed compliance manager

    27. 2001. 08

      Operated the internal control system and compliance manager system

ESG Policies

Ethics Charter & Code of Conduct

Human Rights Charter

Supplier Code of Conduct

Diversity & inclusion Policy