쉐도잉 연습: How to Present Financial Results in English – CFO Video Breakdown - YouTube로 영어 말하기 배우기
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In today's English class, we'll be analyzing the way the CFO of Mercado Libre presents his financial results.
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In today's English class, we'll be analyzing the way the CFO of Mercado Libre presents his financial results.
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In this analysis, we're going to be looking at two things.
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Firstly, the vocabulary he uses,
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and secondly, the way he structures his messaging.
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Just a reminder, if you like the video,
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please leave me a message in the comments section.
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And if you haven't already subscribed to the channel, please do that.
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I've also got a free newsletter, English for Accountants.
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So if you're looking to take your English to that next level,
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you can find the link in the description of this video.
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Welcome back, everybody.
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Mercado Libre is Latin America's largest company by market value.
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The e-commerce giant reported earnings that missed estimates.
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Revenue growth of 34% did beat expectations,
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but the earnings of $10.31 came in below the $11.93 the street was expecting.
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Joining us right now to talk more about it is the company's CFO,
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Martin De Los Santos.
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And sir, thank you for being with us this morning.
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Let's talk a little bit about the stock's reaction.
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It's down 6% after the earnings were a little disappointing.
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I know margins were cut into a bit.
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What happened?
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We see here that the revenue was good,
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but the earnings wasn't what they were expecting.
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Did you notice they never use the word bad when they're describing financial performance?
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They use words like missed, the earnings missed estimates.
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In this case, we're saying that the earnings were lower than what the analysts were expecting.
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She also uses the word came in below.
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For example, the earnings of 1031 came in below the 1193 we were expecting.
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She also said are down.
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The stocks are down 6%.
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And lastly, disappointing.
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The earnings were a little disappointing
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so according to the interviewer a mix of results good being revenue growth
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and perhaps bad the earnings were below what the analysts were
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expecting okay let's see how the cfo handles this situation
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so generally a good cfo will always try
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and focus on the good results
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and where there is some problematic areas they generally try
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and turn it into something positive so let's see what he says here
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good morning thank you for having me we are very excited about the results that we've seen in q2
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you know as you mentioned revenue is growing 34 year on
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year we continue to expand both our e-commerce platform as well
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as our fintech ecosystem where we see a tremendous opportunity in
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latin america a number of users continue to grow 25 in
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commerce 30 growth in fintech our credit book doubling year on year gmb
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which is a volume transacted in our platform growing
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30 in mexico and brazil our largest markets so so very excited about the results so he says here
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he's excited about the results let's look at the things he
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focuses on revenue up 34% year on year okay year on
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year means compared to previous period we have continued to expand
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both our ecommerce platform as well as our fintech the number of users has grown
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so for the ecommerce platform it was 25% and for The fintech,
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the number of users has grown by 30%.
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And lastly, he says that their credit book doubled.
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Okay.
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So we can see here the focus is on the good results.
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Let's see what he says about why his earnings were below expectations.
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And if he puts a little positive spin on his messaging.
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This was a quarter of investment.
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In order to capture this large opportunity that we have ahead of us,
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We need to continue investing for the long term.
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We opened two new fulfillment centers this quarter,
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adding to the more than 30 fulfillment centers that we have in the region.
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We have the largest and more sophisticated fulfillment infrastructure in Latin America.
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We also invested in offering free shipping to our users in Brazil.
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We lowered the threshold by which we offer free shipping to $4.
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I mean, came from 79 reais to 19 reais,
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which is roughly four dollars.
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So that's a bold step in terms of our eliminating friction for people buying online.
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And we also continue to invest in the credit card.
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So I think probably in the short term that put a little pressure on margins,
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but we are sure I'm improving over the past several years
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that those investments in the long term pay off in order for us to make sure
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that we do not miss the large opportunities that we have ahead of us.
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so the first thing he said it was a quarter of investment to capture opportunities okay
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so that's why their earnings were lower than expected their costs have increased
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so those costs have come from two areas firstly opening up more fulfillment centers
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and secondly because they lowered the threshold to qualify for free shipping okay
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so the minimum order amount now is much lower than what it used to be
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and they're doing that to capture more clients okay
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so you notice how he spun the message from bad news
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being cost increase into something positive capturing more market for the long term
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i also like some of the phrases he used in this section he said it was a bold step
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to eliminate friction for people buying online so in this case bold means courageous or brave
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and friction is referring to resistance making something harder okay
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so in other words it was a brave decision to make
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online shopping easier for people the second phrase I liked was
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when he said in the short term that will put pressure on our margins
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but we're confident that in the long term those investments will pay off
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so here the phrasal verb is payoff payoff can mean a few things
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but in this sense it means to have good results
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so in other words investing in the short term will provide
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good results in the long term you notice here everything he
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says is clear it's concise he doesn't over complicate the messaging
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if you're a non-native English speaker
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and you want to present results the same way as
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that CFO did check out my step-by-step guide in my course
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describing financial performance in English I'll leave the link for you in the description of this video
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so what's one thing you should take away from today's class it's this
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when you're presenting financial results don't focus on numbers in the table okay
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if your audience wanted
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that information they don't need you to present it to them
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they have it already in a report instead your focus should
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be on creating a clear digestible message of the events
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that drove the result in your business okay the same way
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we saw the CFO from Mercado Libre do okay the revenue was up why it's
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because they invested more in free shipping which meant
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that they were able to bring in more customers okay their costs are up why
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because they invested more in free shipping offering
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that to their clients they paid that and they opened up more fulfillment centers
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which meant their cost increase but they were able to serve better than you market okay
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so the next time you have to present financial results focus more on the messaging rather than reading numbers
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인기 동영상
맥락 및 배경
이번 영상에서는 Mercado Libre의 CFO가 재무 결과를 발표하는 방법을 분석합니다. CFO가 사용하는 어휘와 메시지 구조를 집중적으로 살펴볼 것입니다. 금융 성과를 설명할 때, 그들은 긍정적인 측면을 강조하면서 실망스러운 결과를 어떻게 관리하는지도 중요한 포인트입니다. 이러한 정보를 바탕으로 영어 회화 능력을 향상시키기 위해 필요한 단어와 표현을 학습할 수 있습니다.
일상적인 의사소통을 위한 5가지 주요 표현
- missed estimates: 예상치를 밑돌다. 금융 성과를 표현할 때 자주 사용됩니다.
- came in below: ~보다 낮게 나오다. 기대에 못 미친 결과를 설명할 때 유용합니다.
- are down: 감소했다. 주식이나 매출 감소 상황에서 쓰입니다.
- disappointing: 실망스러운. 부정적인 결과를 언급할 때 사용됩니다.
- excited about: ~에 대해 기대하다. 긍정적인 결과나 전망을 강조할 때 적합합니다.
단계별 쉐도잉 가이드
영어 쉐도잉 기술을 활용하여 CFO의 발표 내용에 익숙해지는 방법을 단계별로 안내합니다. 영상에 나오는 표현을 반복하면서 자연스럽게 언어의 흐름을 이해해보세요.
- 동영상 시청: CFO의 발표를 주의 깊게 듣고 주요 포인트와 어휘를 파악하세요.
- 어휘 목록 작성: 영상에서 발견한 주요 표현과 단어를 정리해 보세요. 예를 들어, 'missed estimates'와 'came in below' 같은 금융 관련 어휘를 주목하세요.
- 쉐도잉 연습: CFO의 발음을 따라 말해 보며 어휘와 발음 연습을 진행하세요. 'shadowspeaks' 기법을 활용하여 발음을 자연스럽게 만드세요.
- 비교 및 분석: 발음과 억양을 올바르게 습득했는지 확인하고, 자신과 CFO의 발음을 비교하여 부족한 부분을 개선하세요.
- 실제 사용: 학습한 표현을 일상 생활에서 사용해 보세요. 이 과정에서 영어 회화 연습이 이루어질 것입니다. 또한, 'IELTS 스피킹' 준비에도 큰 도움이 될 것입니다.
이러한 방법을 통해 더 쉽고 재미있게 영어를 배우고, 금융 관련 영어 회화 수준을 한층 끌어올릴 수 있습니다. 영어 쉐도잉 기법을 활용해 더욱 자신있게 의사소통하세요!
쉐도잉이란? 영어 실력을 빠르게 키우는 과학적 방법
쉐도잉(Shadowing)은 원래 전문 통역사 훈련을 위해 개발된 언어 학습 기법으로, 다언어 학자인 Dr. Alexander Arguelles에 의해 대중화된 방법입니다. 핵심 원리는 간단하지만 매우 강력합니다: 원어민의 영어를 들으면서 1~2초의 짧은 지연으로 즉시 소리 내어 따라 말하는 것——마치 '그림자(shadow)'처럼 화자를 따라가는 것입니다. 문법 공부나 수동적인 청취와 달리, 쉐도잉은 뇌와 입 근육이 동시에 실시간으로 영어를 처리하고 재현하도록 훈련합니다. 연구에 따르면 이 방법은 발음 정확도, 억양, 리듬, 연음, 청취력, 말하기 유창성을 크게 향상시킵니다. IELTS 스피킹 준비와 자연스러운 영어 소통을 원하는 분들에게 특히 효과적입니다.
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