BANKS & FINANCIAL INSTITUTIONS

Your expertise.
Clear in English.

Financial English for the meetings, presentations and negotiations that matter. Built around your work in banking, your material and your next important conversation.

For individuals For banks & training teams

Start with a conversation. Individuals can book a free 30-minute diagnostic.

**Raf Michaels 国帅**Financial English trainer
Chinese: HSK 5

12+ yearsTeacher’s corporate teaching in China

Cass Business SchoolInvestment & Financial Risk Management

Online · Guangzhou · on siteDelivery matched to the programme

Established 2021Guangzhou Ralph Education Consulting

CHOOSE YOUR STARTING POINT

One professional. Or a whole team.

The starting point is real work. The format and pace depend on who needs to use the English, and where.

01 / INDIVIDUALS

Bring your next meeting to class.

For working professionals who read English and want more precise, confident communication in meetings, presentations and negotiations.

Executive one-to-one

Your material, your meetings, your business situations.

12 sessions × 100 minutes: 20 teaching hours.
Material tailored to your role, business line and priorities
Tencent Meeting / ClassIn; schedule agreed with you.
Complete the programme within six months.

Book a free 30-minute diagnostic

Also available: Global Banker Cohort

5–8 participants; 8 sessions of 100 minutes. Contact us to confirm dates and availability.

Explore programme options →

02 / BANKS & TRAINING TEAMS

From a training need to a clear plan.

For departments, branches and training centres. Start with roles and situations, then choose one-to-one, groups, workshops or lectures.

Start with a focused pilot

A manageable first project to establish the need and the working approach.

10-person assessment pilot

Online test, speaking interviews, personal and group reports

First-project workshop

A full-day workshop, with a needs call and tailored material

Institutional fees reflect your goals, group size, delivery format, timing and customisation. Discuss your needs, then receive a written proposal and quotation.

Discuss an institutional programme

Contracts, invoices and deliverables

Company contract and VAT invoice. Fees, teaching, assessment and reporting scope are agreed in writing before booking; travel and accommodation outside Guangzhou are quoted separately.

See an example group-report outline

Programme scope and the five assessment areas
Group findings and common practice priorities
Rewritten, anonymous language examples
Recommended format and review arrangements

Structure only; no real learner data or outcome claim.

Start by finding the programme that fits your needs. Programme information and terms

Preparing for an event, or looking for follow-on lessons?

Discuss an Event Sprint or follow-on lessons for one-to-one graduates. Tell us about your next task and timing; programme scope, fees and eligibility are confirmed in writing before enrolment.

A SMALL EXAMPLE OF THE WORK

Know the figure.
Make the meaning clear.

The work goes beyond grammar: the measure, the period and the size of a change. Practise making a familiar business sentence precise.

Explore the cards and self-check →

LANGUAGE EXAMPLE · ILLUSTRATIVE FIGURES

The NPL ratio moves from 1.30% last quarter to 1.20% this quarter.

AMBIGUOUS CHANGE

Our NPL ratio decreased 0.1% to 1.2%.

MAKE THE CHANGE PRECISE

Our NPL ratio fell 10 basis points quarter on quarter, to 1.2%.

10 basis points = 0.10 percentage points, rather than a relative change of 0.1%.

HOW WE WORK

The work comes first.

One five-area framework connects the diagnostic, classroom practice and review.

Define the work

Start with the role, business line and upcoming tasks. A diagnostic or assessment identifies the situations to practise first.

Practise in context

Practise presentations, meetings, emails and negotiations with material prepared for the programme. Difficult concepts can be explained in Chinese.

Review the next step

Review against the same dimensions and agree what to work on next. Institutional reporting is defined in the programme scope.

Tailored materialAn agreed scheduleReporting to scopeCompany contract & invoice

FREE DIAGNOSTIC · 30 MINUTES

See where to focus.
Then choose a programme.

A short online conversation about your current communication and work needs. There is no obligation to enrol.

Discuss your work and the English situations coming up.
Try short tasks in reporting numbers, expressing a view and meeting interaction.
Receive a one-page recommendation, then decide whether to enrol.

Book a free diagnostic

Financial English · diagnosticILLUSTRATION

Example situation: preparing a quarterly business update

POSSIBLE PRACTICE PRIORITYExplaining a change in a metric and responding briefly to a follow-up question about its drivers.

Numbers & dataDiagnostic area

Financial vocabularyDiagnostic area

Stating a viewDiagnostic area

Meeting interactionDiagnostic area

ListeningDiagnostic area

This illustrates the report structure. It contains no real learner data or scores and is not a learning-outcome claim. Actual recommendations follow the diagnostic.

YOUR TEACHER

Raf Michaels 国帅

With a background in Investment and Financial Risk Management at Cass Business School in London, Raf has taught corporate learners in China since 2014. He founded Guangzhou Ralph Education Consulting in 2021, designs the programmes and currently teaches them himself.

Investment & Financial Risk ManagementChinese · HSK 5Professional study · CFA Program Level I candidate

Raf’s teaching experience includes professionals from ICBC, CCB, ABC, China Life and Ping An, including programmes delivered through partner institutions. These references describe his teaching history.

PRACTICAL QUESTIONS

Before we begin.

What level is it for?

Working professionals in banks and financial institutions who read English and need to speak it at work. The diagnostic establishes a starting point. This service is for adults, not school pupils.

Can lessons be online or in person?

Online through Tencent Meeting or ClassIn; in-person teaching in Guangzhou and institutional workshops in other cities by arrangement. Locations, timing and travel are agreed in the proposal.

What reporting does an institution receive?

Attendance, topics and group assessment reporting as agreed. Individual scores are shared with the institution only with the learner’s consent. Data handling and reporting scope are agreed beforehand.

How is a programme quoted and agreed?

Start with your goals, timing and suitable format. Before enrolment, we confirm the scope, number and length of sessions, total tax-inclusive fee, payment schedule and rescheduling/refund terms in writing. A company contract and VAT invoice are provided.

Can we start with a small institutional project?

Yes. Discuss a 10-person assessment pilot or a first-project workshop before committing to a larger programme. Scope, deliverables and any follow-on arrangement are confirmed in the proposal.

Try some banking English first.

Twenty expression cards, a ten-question self-check and a number tool, on their own page.

Explore practice & tools

LET’S START WITH YOUR WORK

What’s your next
English conversation?

Individuals: tell us your business line, the situation you want to practise and your availability. Institutions: share the head-count, goals and planned timing so we can discuss the right next step.

Email about a diagnostic Email about an institutional programme

13126599028@163.com

Telephone enquiries in Chinese: 135 7815 8888 / 157 1297 5976

Connect on WeCom

Scan from another device. If viewing in WeChat, save the QR image and scan it from your album. Email and telephone are also available.

Please do not send customer records, account data or confidential bank documents in an initial enquiry. Learner information and reports are handled for the agreed purpose. Privacy information

Your expertise.Clear in English.