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ACB Chairman Tran Hung Huy posted on his social media that he recently participated in a short course in Chantilly, France. He wrote that more than two years ago ChatGPT was released and opened a completely new perspective on AI, and in the past three months Agentic AI has created a new upheaval — not only answering questions but also acting, operating, and making decisions. The pace of change is so fast that sometimes the old is not fully understood before the new arrives. In that whirlwind, if a person in a leadership position does not continually update knowledge, annual depreciation of one’s capabilities could reach up to 15 percent; it sounds painful but it is true. He has been pushing at 150 percent for a month and now plans to take one week off — not to rest but to keep studying. The course is The Executive Learning Bootcamp, led by professors from Harvard, MIT, LBS, INSEAD, IMD, and Oxford University. Topics are diverse, including Leadership, Psychology, Philosophy, AI, High Finance, Global Supply Chain, and Geopolitics. All are studied in depth as a comprehensive operating-system upgrade for the mind. He described the journey as mentally demanding, pushing cognitive limits. ACB is among the first banks in Vietnam to foster a culture of learning and has had its own training center for more than 30 years. The system focuses not only on professional expertise but also on leadership thinking, governance, and personal development. Each ACB employee averages about 67 hours of training per year across professional knowledge and soft skills, with the hours incorporated into personal and unit KPIs. For top executives and managers, ACB applies the philosophy Doanh nghiep hoc nhanh de manh — Lãnh đạo hoc de dan duong. Training is delivered not only in traditional classes but is deeply integrated into daily work through real projects, problem-solving, and constructive feedback. Training also extends to clients and strategic partners; for example, in recent years the bank has run the annual ACB Leadership Summit with participation from leading professors from international universities such as Harvard, MIT, to update trends and international management knowledge. On the market, ACB is regarded as having a distinctive culture and being very different; the bank’s key leadership programs are developed internally from senior staff and tend to stay with the bank for a long time (for instance President Tran Hung Huy, former CEO Do Minh Toan, CEO Tu Tien Phat, etc.).

Premium gym chains are entering a “golden era” that is ending or already in decline, as rising operating costs collide with shifting consumer preferences toward more flexible, community-based ways to exercise. Long-term memberships are shrinking, margins are pressured by higher rents and facility expenses, and competition from smaller, more personalized…