Hyundai Capital is reinforcing its overseas funding network and global talent programs to reduce exposure to market disruptions and improve execution across its international auto-financing operations. As a specialized credit finance company without deposit-taking capabilities, it relies on corporate bonds and borrowing from financial institutions. Over the past five years, the company has built a funding structure spanning eight currencies: the U.S. dollar, euro, Japanese yen, Swiss franc, Australian dollar, Chinese yuan, Hong Kong dollar and Singapore dollar. It adjusts the mix according to market conditions, cutting the Swiss franc share from 19% in 2021 to 3% this year while raising the euro share to 17%. A January euro-denominated public bond attracted €3.84 billion in orders, eight times the target, with new investors accounting for 93% of participation. Hyundai Capital also used overseas bonds, asset-backed securities and bank loans during the 2022 Legoland crisis, and issued about 1 trillion won in overseas private ABS at the end of 2024. Its global network includes 19 units in 14 countries, with India scheduled for an official financial subsidiary launch this year. Global assets reached 228 trillion won at the end of last year, including 179 trillion won overseas, or about 80%. Staff exchanges, the Global Talent Mobility and GSV programs, annual Global Forums and legal and compliance working groups are intended to share local expertise and operating practices across the network.