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58-645: Bao Viet (also Bao Viet Holdings Vietnamese : Tập đoàn Tài chính-Bảo hiểm Bảo Việt ) is the largest Vietnamese insurance company and Vietnam's seventh largest listed company by market capitalisation. It is state-owned and has a strategic partnership with HSBC , which also holds 18% of Bao Viet's shares. HSBC is, however, soon to be replaced by Sumitomo Life . Besides various insurance products, Bao Viet has diversified into stock market trading, fond management and real estate. It also has subsidiaries in banking, hotels and construction. Bao Viet has been losing market shares in recent years and has also been making losses in

116-437: A logographic script using Chinese characters ( chữ Hán ) to represent Sino-Vietnamese vocabulary and some native Vietnamese words, together with many locally invented characters representing other words. Early linguistic work in the late 19th and early 20th centuries ( Logan 1852, Forbes 1881, Müller 1888, Kuhn 1889, Schmidt 1905, Przyluski 1924, and Benedict 1942) classified Vietnamese as belonging to

174-636: A minor syllable occurred). These fricatives were not present in Proto-Viet–Muong, as indicated by their absence in Mường , but were evidently present in the later Proto-Vietnamese stage. Subsequent loss of the minor-syllable prefixes phonemicized the fricatives. Ferlus 1992 proposes that originally there were both voiced and voiceless fricatives, corresponding to original voiced or voiceless stops, but Ferlus 2009 appears to have abandoned that hypothesis, suggesting that stops were softened and voiced at approximately

232-713: A Chinese company), Trường Thọ (formerly owned by Friesland Foods , best known for its production of condensed milk that was widely distributed across the South ) and Dielac ( Nestlé ). It was renamed United Enterprises of Milk Coffee Cookies and Candies in 1978. It became the Vietnam Dairy Company, formally established in 1993. In 2003, following its IPO to the Ho Chi Minh Stock Exchange, the company legally changed its name to Vietnam Dairy Products Joint Stock Company (trading name "Vinamilk"). The principal activities of

290-447: A main vowel component followed by a shorter semivowel offglide /j/ or /w/ . There are restrictions on the high offglides: /j/ cannot occur after a front vowel (i, ê, e) nucleus and /w/ cannot occur after a back vowel (u, ô, o) nucleus. The correspondence between the orthography and pronunciation is complicated. For example, the offglide /j/ is usually written as i ; however, it may also be represented with y . In addition, in

348-464: A market share of 28% in 2011, down from 38% in 2005. Other competitors include Manulife , Dai-ichi Life , and Ace Life , with market shares of up to around 10% each. According to the Ministry of Finance, Bao Viet was the largest life insurer in 2012 with market share of 23.9%, slightly ahead of Prudential with 22.6%. Bao Viet is a state-owned company. The Ministry of Finance holds 71% of the shares and

406-448: A paper published in 1856. Later, in 1920, French-Polish linguist Jean Przyluski found that Mường is more closely related to Vietnamese than other Mon–Khmer languages, and a Viet–Muong subgrouping was established, also including Thavung , Chut , Cuoi , etc. The term "Vietic" was proposed by Hayes (1992), who proposed to redefine Viet–Muong as referring to a subbranch of Vietic containing only Vietnamese and Mường . The term " Vietic "

464-532: A process of tonogenesis , in which distinctions formerly expressed by final consonants became phonemic tonal distinctions when those consonants disappeared. These characteristics have become part of many of the genetically unrelated languages of Southeast Asia; for example, Tsat (a member of the Malayo-Polynesian group within Austronesian ), and Vietnamese each developed tones as a phonemic feature. After

522-626: A representative on the Government Council for Nationalities, an advisory body of the Czech Government for matters of policy towards national minorities and their members. It also grants the community the right to use Vietnamese with public authorities and in courts anywhere in the country. Vietnamese is taught in schools and institutions outside of Vietnam, a large part contributed by its diaspora . In countries with Vietnamese-speaking communities Vietnamese language education largely serves as

580-534: A role to link descendants of Vietnamese immigrants to their ancestral culture. In neighboring countries and vicinities near Vietnam such as Southern China, Cambodia, Laos, and Thailand, Vietnamese as a foreign language is largely due to trade, as well as recovery and growth of the Vietnamese economy. Since the 1980s, Vietnamese language schools ( trường Việt ngữ/ trường ngôn ngữ Tiếng Việt ) have been established for youth in many Vietnamese-speaking communities around

638-511: A stage commonly termed Middle Vietnamese ( tiếng Việt trung đại ). The pronunciation of the "rime" of the syllable, i.e. all parts other than the initial consonant (optional /w/ glide, vowel nucleus, tone and final consonant), appears nearly identical between Middle Vietnamese and modern Hanoi pronunciation. On the other hand, the Middle Vietnamese pronunciation of the initial consonant differs greatly from all modern dialects, and in fact

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696-551: A stake of 10% and options for another 15% in 2007 and bought another 8% in 2009. From 2007 to 2008 Bao Viet was also restructured, including registration as a joint-stock company and the setting up of several wholly owned subsidiaries in the insurance sector. Bao Viet stocks have been traded in Ho Chi Minh city Stock Exchange since 2009. Bao Viet had a share of 23.7% in the insurance market (excluding life insurance) in 2011. This has been gradually decreasing from 38.4% in 2005. Bao Viet

754-411: A strategic cooperation agreement with Chr. Hansen to develop probiotics. Vietnam's State Capital Investment Corporation (SCIC) holds 36% of the shares as of late 2017. 7.58% are owned by other Vietnamese investors, of which 0.28% are owned by CEO Mai Kieu Lien. Foreign investors hold over 53% of the shares. F&N have been holding shares of Vinamilk for a long time and have two representatives in

812-546: A third of the Vietnamese lexicon in all realms, and may account for as much as 60% of the vocabulary used in formal texts. Vietic languages were confined to the northern third of modern Vietnam until the "southward advance" ( Nam tiến ) from the late 15th century. The conquest of the ancient nation of Champa and the conquest of the Mekong Delta led to an expansion of the Vietnamese people and language, with distinctive local variations emerging. After France invaded Vietnam in

870-533: Is active in portfolio management and portfolio management consulting. Bao Viet Securities (BVS) (60% owned by BVH) is the group's second company to be listed on a stock exchange. While Bao Viet Holdings is listed in Ho Chi Minh City, BVS is listed in the younger and smaller Hanoi Securities Trading Center . It offers securities brokerage services. The company's chairman Nguyen Thi Phuc Lam is also director of Bao Viet Holdings. Bao Viet Bank (52% owned by BVH)

928-516: Is also spoken by the Jing people traditionally residing on three islands (now joined to the mainland) off Dongxing in southern Guangxi Province , China . A large number of Vietnamese speakers also reside in neighboring countries of Cambodia and Laos . In the United States, Vietnamese is the sixth most spoken language , with over 1.5 million speakers, who are concentrated in a handful of states. It

986-460: Is highly analytic and is tonal . It has head-initial directionality, with subject–verb–object order and modifiers following the words they modify. It also uses noun classifiers . Its vocabulary has had significant influence from Middle Chinese and loanwords from French . Although it is often mistakenly thought as being an monosyllabic language, Vietnamese words typically consist of from one to many as eight individual morphemes or syllables;

1044-415: Is notated i or y (with the difference between the two often indicating differences in the quality or length of the preceding vowel), and after /ð/ and /β/ , where it is notated ĕ . This ĕ , and the /j/ it notated, have disappeared from the modern language. Note that b [ɓ] and p [p] never contrast in any position, suggesting that they are allophones. The language also has three clusters at

1102-522: Is often mistaken for a tilde in modern reproductions of early Vietnamese writing. As a result of emigration , Vietnamese speakers are also found in other parts of Southeast Asia , East Asia , North America , Europe , and Australia . Vietnamese has also been officially recognized as a minority language in the Czech Republic . As the national language, Vietnamese is the lingua franca in Vietnam. It

1160-446: Is pronounced with one of six inherent tones , centered on the main vowel or group of vowels. Tones differ in: Tone is indicated by diacritics written above or below the vowel (most of the tone diacritics appear above the vowel; except the nặng tone dot diacritic goes below the vowel). The six tones in the northern varieties (including Hanoi), with their self-referential Vietnamese names, are: Vinamilk Vinamilk , formally

1218-410: Is significantly closer to the modern Saigon dialect than the modern Hanoi dialect. The following diagram shows the orthography and pronunciation of Middle Vietnamese: ^1 [p] occurs only at the end of a syllable. ^2 This letter, ⟨ ꞗ ⟩ , is no longer used. ^3 [j] does not occur at the beginning of a syllable, but can occur at the end of a syllable, where it

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1276-441: Is still the market leader, but PetroVietnam Insurance is very close behind. Smaller competitors with just over 10% market share include Bao Minh and PJICO . In general, the insurance market has become more competitive, with companies other than the big four doubling their combined market share to over 30% between 2005 and 2011. In the Vietnamese life insurance market Bao Viet is the second largest provider after Prudential with

1334-460: Is the first language of the majority of the Vietnamese population, as well as a first or second language for the country's ethnic minority groups . In the Czech Republic , Vietnamese has been recognized as one of 14 minority languages, on the basis of communities that have resided in the country either traditionally or on a long-term basis. This status grants the Vietnamese community in the country

1392-634: Is the third-most spoken language in Texas and Washington; fourth-most in Georgia, Louisiana, and Virginia; and fifth-most in Arkansas and California. Vietnamese is the third most spoken language in Australia other than English, after Mandarin and Arabic. In France, it is the most spoken Asian language and the eighth most spoken immigrant language at home. Vietnamese is the sole official and national language of Vietnam. It

1450-413: Is used, among others, by Gérard Diffloth , with a slightly different proposal on subclassification, within which the term "Viet–Muong" refers to a lower subgrouping (within an eastern Vietic branch) consisting of Vietnamese dialects, Mường dialects, and Nguồn (of Quảng Bình Province ). Austroasiatic is believed to have dispersed around 2000 BC. The arrival of the agricultural Phùng Nguyên culture in

1508-446: Is written with two Chinese characters or in a composite character made of two different characters. This conveys the transformation of the Vietnamese lexicon from sesquisyllabic to fully monosyllabic under the pressure of Chinese linguistic influence, characterized by linguistic phenomena such as the reduction of minor syllables; loss of affixal morphology drifting towards analytical grammar; simplification of major syllable segments, and

1566-953: The Mon–Khmer branch of the Austroasiatic language family (which also includes the Khmer language spoken in Cambodia , as well as various smaller and/or regional languages , such as the Munda and Khasi languages spoken in eastern India, and others in Laos , southern China and parts of Thailand). In 1850, British lawyer James Richardson Logan detected striking similarities between the Korku language in Central India and Vietnamese. He suggested that Korku , Mon , and Vietnamese were part of what he termed "Mon–Annam languages" in

1624-587: The Red River Delta at that time may correspond to the Vietic branch. This ancestral Vietic was typologically very different from later Vietnamese. It was polysyllabic, or rather sesquisyllabic , with roots consisting of a reduced syllable followed by a full syllable, and featured many consonant clusters. Both of these features are found elsewhere in Austroasiatic and in modern conservative Vietic languages south of

1682-599: The State Capital Investment Corporation (SCIC) another 3%. HSBC currently owns 18% of the shares, all of which are soon going to be transferred to Sumitomo Life . Bao Viet Insurance Ltd. (100% owned by BVH) is the company originally set up under the name Bao Viet in 1965. It offers a variety of insurance products to personal customers (health, travel, motor vehicle, accident insurance) and corporate customers (cargo, aviation, oil and gas, motor vehicle, liability insurance etc.). Bao Viet Life (100%)

1740-580: The Vietnam Dairy Products Joint Stock Company ( Vietnamese : Công ty Cổ phần Sữa Việt Nam , lit.   'Vietnam Milk Joint Stock Company ') is the largest dairy company in Vietnam . Based on the UNDP 2007 Top 200 largest firms in Vietnam report, it was also the 15th largest company in Vietnam and formerly the most valuable public company listed in Vietnam. In 2010, it is

1798-597: The Vietnamese orthography with the phonetic pronunciation to the right. Some consonant sounds are written with only one letter (like "p"), other consonant sounds are written with a digraph (like "ph"), and others are written with more than one letter or digraph (the velar stop is written variously as "c", "k", or "q"). In some cases, they are based on their Middle Vietnamese pronunciation; since that period, ph and kh (but not th ) have evolved from aspirated stops into fricatives (like Greek phi and chi ), while d and gi have collapsed and converged together (into /z/ in

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1856-561: The French colonial era. The following diagram shows the phonology of Proto–Viet–Muong (the nearest ancestor of Vietnamese and the closely related Mường language ), along with the outcomes in the modern language: ^1 According to Ferlus, * /tʃ/ and * /ʄ/ are not accepted by all researchers. Ferlus 1992 also had additional phonemes * /dʒ/ and * /ɕ/ . ^2 The fricatives indicated above in parentheses developed as allophones of stop consonants occurring between vowels (i.e. when

1914-710: The Red River Delta and into the adjacent uplands, possibly to escape Chinese encroachment. The oldest layer of loans from Chinese into northern Vietic (which would become the Viet–Muong subbranch) date from this period. The northern Vietic varieties thus became part of the Mainland Southeast Asia linguistic area , in which languages from genetically unrelated families converged toward characteristics such as isolating morphology and similar syllable structure. Many languages in this area, including Viet–Muong, underwent

1972-519: The Red River area. The language was non-tonal, but featured glottal stop and voiceless fricative codas. Borrowed vocabulary indicates early contact with speakers of Tai languages in the last millennium BC, which is consistent with genetic evidence from Dong Son culture sites. Extensive contact with Chinese began from the Han dynasty (2nd century BC). At this time, Vietic groups began to expand south from

2030-733: The Vinamilk are to produce and distribute condensed milk, powdered milk, fresh milk, soya milk, yogurts, ice-cream, cheese, fruit juice, coffee and other products derived from milk. Vinamilk products such as powdered milk and condensed milk are also exported to the Middle East, Cambodia, the Philippines and Australia. Exports accounted for $ 180m in 2012. Vinamilk's main competitors are Dutch Lady Vietnam (a division of Friesland Foods ), Nestlé Vietnam, Abbott, Mead Johnson (a subsidiary of Reckitt ), Friso and Nutifood. In September 2016, Vinamilk signed

2088-471: The beginning of syllables, which have since disappeared: Most of the unusual correspondences between spelling and modern pronunciation are explained by Middle Vietnamese. Note in particular: De Rhodes's orthography also made use of an apex diacritic, as in o᷄ and u᷄ , to indicate a final labial-velar nasal /ŋ͡m/ , an allophone of /ŋ/ that is peculiar to the Hanoi dialect to the present day. This diacritic

2146-488: The change of suprasegment instruments. For example, the modern Vietnamese word "trời" (heaven) was read as *plời in Old/Ancient Vietnamese and as blời in Middle Vietnamese. The writing system used for Vietnamese is based closely on the system developed by Alexandre de Rhodes for his 1651 Dictionarium Annamiticum Lusitanum et Latinum . It reflects the pronunciation of the Vietnamese of Hanoi at that time,

2204-466: The daughter languages from distinctions in the initial and final consonants. Vietnamese tones developed as follows: Glottal-ending syllables ended with a glottal stop /ʔ/ , while fricative-ending syllables ended with /s/ or /h/ . Both types of syllables could co-occur with a resonant (e.g. /m/ or /n/ ). At some point, a tone split occurred, as in many other mainland Southeast Asian languages . Essentially, an allophonic distinction developed in

2262-442: The diphthongs [āj] and [āːj] the letters y and i also indicate the pronunciation of the main vowel: ay = ă + /j/ , ai = a + /j/ . Thus, tay "hand" is [tāj] while tai "ear" is [tāːj] . Similarly, u and o indicate different pronunciations of the main vowel: au = ă + /w/ , ao = a + /w/ . Thus, thau "brass" is [tʰāw] while thao "raw silk" is [tʰāːw] . The consonants that occur in Vietnamese are listed below in

2320-532: The first company in Vietnam to be included in the Forbes Asia's 200 Best Under A Billion list that highlights 200 top-performing small- and mid-sized companies with annual revenue under US$ 1 billion. The company was established in 1976 as the state-owned Southern Coffee-Dairy Company, to nationalize and take over the operations of three previously private dairy factories in South Vietnam : Thống Nhất (belonging to

2378-524: The insurance sector since 2009. Bao Viet was set up following Government Decision 179/CP from 17 Dec 1964. It started operating on 15 Jan 1965, providing traditional insurance products in two branches in Hanoi and Haiphong with a total staff of 20 people and a capital stock of 10 million VND . It was transformed into a corporation ( Tổng Công ty ) in 1989. Subsidiary BAVINA was set up in England in 1992. By 1996, it

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2436-446: The late 19th century, French gradually replaced Literary Chinese as the official language in education and government. Vietnamese adopted many French terms, such as đầm ('dame', from madame ), ga ('train station', from gare ), sơ mi ('shirt', from chemise ), and búp bê ('doll', from poupée ), resulting in a language that was Austroasiatic but with major Sino-influences and some minor French influences from

2494-427: The main syllable). When a minor syllable occurred, the main syllable's initial consonant was intervocalic and as a result suffered lenition , becoming a voiced fricative. The minor syllables were eventually lost, but not until the tone split had occurred. As a result, words in modern Vietnamese with voiced fricatives occur in all six tones, and the tonal register reflects the voicing of the minor-syllable prefix and not

2552-461: The majority of Vietnamese vocabulary are disyllabic and trisyllabic words. Vietnamese is written using the Vietnamese alphabet ( chữ Quốc ngữ ). The alphabet is based on the Latin script and was officially adopted in the early 20th century during French rule of Vietnam . It uses digraphs and diacritics to mark tones and some phonemes . Vietnamese was historically written using chữ Nôm ,

2610-497: The north and /j/ in the south). Not all dialects of Vietnamese have the same consonant in a given word (although all dialects use the same spelling in the written language). See the language variation section for further elaboration. Syllable-final orthographic ch and nh in Vietnamese has had different analyses. One analysis has final ch , nh as being phonemes /c/, /ɲ/ contrasting with syllable-final t , c /t/, /k/ and n , ng /n/, /ŋ/ and identifies final ch with

2668-405: The plain-voiced stops became voiceless and the allotones became new phonemic tones. The implosive stops were unaffected, and in fact developed tonally as if they were unvoiced. (This behavior is common to all East Asian languages with implosive stops.) As noted above, Proto-Viet–Muong had sesquisyllabic words with an initial minor syllable (in addition to, and independent of, initial clusters in

2726-546: The same except that ơ [əː] is of normal length while â [ə] is short – the same applies to the vowels long a [aː] and short ă [a] . The centering diphthongs are formed with only the three high vowels (i, ư, u). They are generally spelled as ia, ưa, ua when they end a word and are spelled iê, ươ, uô, respectively, when they are followed by a consonant. In addition to single vowels (or monophthongs ) and centering diphthongs, Vietnamese has closing diphthongs and triphthongs . The closing diphthongs and triphthongs consist of

2784-465: The same time, according to the following pattern: ^3 In Middle Vietnamese , the outcome of these sounds was written with a hooked b (ꞗ), representing a /β/ that was still distinct from v (then pronounced /w/ ). See below. ^4 It is unclear what this sound was. According to Ferlus 1992, in the Archaic Vietnamese period (c. 10th century AD, when Sino-Vietnamese vocabulary

2842-534: The split from Muong around the end of the first millennium AD, the following stages of Vietnamese are commonly identified: After expelling the Chinese at the beginning of the 10th century, the Ngô dynasty adopted Classical Chinese as the formal medium of government, scholarship and literature. With the dominance of Chinese came wholesale importation of Chinese vocabulary. The resulting Sino-Vietnamese vocabulary makes up about

2900-505: The syllable-initial ch /c/ . The other analysis has final ch and nh as predictable allophonic variants of the velar phonemes /k/ and /ŋ/ that occur after the upper front vowels i /i/ and ê /e/ ; although they also occur after a , but in such cases are believed to have resulted from an earlier e /ɛ/ which diphthongized to ai (cf. ach from aic , anh from aing ). (See Vietnamese phonology: Analysis of final ch , nh for further details.) Each Vietnamese syllable

2958-520: The tones, whereby the tones in syllables with voiced initials were pronounced differently from those with voiceless initials. (Approximately speaking, the voiced allotones were pronounced with additional breathy voice or creaky voice and with lowered pitch. The quality difference predominates in today's northern varieties, e.g. in Hanoi , while in the southern varieties the pitch difference predominates, as in Ho Chi Minh City .) Subsequent to this,

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3016-422: The voicing of the main-syllable stop in Proto-Viet–Muong that produced the fricative. For similar reasons, words beginning with /l/ and /ŋ/ occur in both registers. (Thompson 1976 reconstructed voiceless resonants to account for outcomes where resonants occur with a first-register tone, but this is no longer considered necessary, at least by Ferlus.) Old Vietnamese/Ancient Vietnamese was a Vietic language which

3074-452: The world such as in the United States , Germany and France . Vietnamese has a large number of vowels . Below is a vowel diagram of Vietnamese from Hanoi (including centering diphthongs ): Front and central vowels (i, ê, e, ư, â, ơ, ă, a) are unrounded , whereas the back vowels (u, ô, o) are rounded. The vowels â [ə] and ă [a] are pronounced very short, much shorter than the other vowels. Thus, ơ and â are basically pronounced

3132-461: Was among the 25 largest state companies in Vietnam and was ranked as a special class state company. The government decided to turn Bao Viet into a major finance and insurance group in 2003, enabling it to offer a broad range of financial products other than insurance – a decision that was not implemented until 2007. In 2007 the company established partnerships with national groups such as Vinashin and international companies, namely HSBC . HSBC acquired

3190-487: Was borrowed) it was * r̝ , distinct at that time from * r . The following initial clusters occurred, with outcomes indicated: A large number of words were borrowed from Middle Chinese , forming part of the Sino-Vietnamese vocabulary . These caused the original introduction of the retroflex sounds /ʂ/ and /ʈ/ (modern s , tr ) into the language. Proto-Viet–Muong did not have tones. Tones developed later in some of

3248-423: Was separated from Bao Viet Insurance in 2004. Bao Viet has been offering life insurances since 1996. 2012 revenues were 7,090bn VND ($ 340m) and profits 688bn ($ 33m). According to the Ministry of Finance, it is the leading life insurer in Vietnam with a market share of 23.9% in 2012. Bao Viet Fund (BVF) (100%) is the successor of the group's Investment Center. It was set up with a legal capital of 50 billion VND and

3306-812: Was separated from Viet–Muong around the 9th century, and evolved into Middle Vietnamese by 16th century. The sources for the reconstruction of Old Vietnamese are Nom texts, such as the 12th-century/1486 Buddhist scripture Phật thuyết Đại báo phụ mẫu ân trọng kinh ("Sūtra explained by the Buddha on the Great Repayment of the Heavy Debt to Parents"), old inscriptions, and a late 13th-century (possibly 1293) Annan Jishi glossary by Chinese diplomat Chen Fu (c. 1259 – 1309). Old Vietnamese used Chinese characters phonetically where each word, monosyllabic in Modern Vietnamese,

3364-789: Was set up in December 2009 in cooperation with Vinamilk , CMC Technology Corporation and HiPT Technology Corporation. This was an expression of Bao Viet's new business model based on the three pillars of insurance, securities and banking. Besides basic banking services, the bank is also involved in insurance sales and wealth management advise. Bao Viet Investment (55% owned by BVH) was set up in January 2009 and specialised in construction investment. Activities include real estate investment, consulting and trading. Vietnamese language Like many languages in Southeast Asia and East Asia , Vietnamese

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