英汉口译技能教程

P166-P170

会场实战（原声）（5）

Speech by a Group Head of Standard Chartered Bank in Asia-Pacific Bank Cards Summit 2008

Good Morning. Good Morning! Good! Zao an! Ni hao! Sleepy! Sleeping! Good Morning! My name is Barsker Rangchary, very long name. I work in standard chartered bank. I’m based in Singapore, and I’m the group head for strategic alliances and customer loyalty.

How many of you are work,I know all of you work in a bank, yes? How many of you work in cards marketing? Marketing? One,ok. How many of you work in operations? Operations, no. Risk, risk management? Ok,we have one gentleman. How many of you are in the cards business? All of you, ok. So the rest of you, work in a bank, or no? Ok I’m just joking. I just wanna, I just want you to feel more alive ok? So, I’m just making some joke here and there. Please don’t get offended?

Ok, what am I gonna to talk abou t this morning? What I’m going to talk about? Oops, ok, that’s the end of my presentation, sorry. Ok, what I’m going to talk about are a few topics: what is loyalty? What does loyalty mean in the card business? Why does it matter to growing profitably? It’s very easy to give the customer everything. But you lose money. Right? We’re in business to make money, not to lose money. Correct? So therefore we need to make sure that everything we do is profitable. What’re the trends in loyalty? I’ll be talking about that later. Then, all of us know a lot of loyalty programs will be saying: why is my loyalty program not working? Ok, I will look at some of the issues, some of the problems that we face in cards marketing. What does it take to succeed? And I will share a lot of examples.

Can I just ask how many of you hold credit cards? No credit cards? Cash? Cash better, or credit card better? Creditcard. Ok, I’ll tell you what matters in the credit card business. Just for my experience, I have been working in Asia-Pacific for over 20 years. I’m Singaporean. I have been coming to China since 1991, when many of you were little children. Ok, I’ve been coming to China. And in those days, China was still, you know, a developing nation. Today, China has come a long way, but the credit card business in China is still starting up, really. It’s not mature. It’s a growing business. And I will share with you what matters in the card business. So some of the things you’re going to see today may not be useful today in your b usiness but tomorrow. As the business grows, as cards become more and more competitive, you’ll understand what loyalty is and why it matters. Oops, sorry, I keep hitting the wrong button. I must, ok.

So, what is loyalty? Loyalty, this is a definition from a textbook: “it describes a customer’s commitment to do business with a company.” So, if you’re a credit card holder, and you hold 3.4 cards, what is your commitment to use one card? Today you use a card because it gives you good discount, or it makes you feel good. It gives you states. It is a platinum card. All my friends know I’m rich. Yeah, so a card can do that. Now in the banking business, there is only one product that can make you feel good. It’s a card. You can’t, you don’t take your housing loan document and walk around, and show your friends, wow, I have a housing loan. Right? You don’t do that with