Shadowing Practice: Banking in Vietnam - Learn English Speaking with Video
Elige un modo de práctica
Cada modo abre una sala de práctica a pantalla completa.
148 oraciones
Si las oraciones son demasiado cortas o largas, haz clic en Editar para ajustarlas.
1
Welcome to Global Banking and Finance Review Awards.
2
Global Banking and Finance Review is a leading brand name in the world of finance and banking.
3
Their awards were created to recognize companies of all sizes
4
that are prominent in particular areas of expertise and excellence within the global financial community.
5
Today we are pleased to present an award to AB Bank for Vietnam's fastest growing retail bank.
6
With the support of national as well as international partners, AB Bank has grown around a professional and modern management team.
7
With the goal to become one of the leading commercial joint stock banks in Vietnam and a focus on retail banking,
8
AB Bank has a strong emphasis on development and investment in technology and has enjoyed considerable growth over recent years.
9
AB Bank aims to provide a platform for utility products and services for individual customers,
10
corporate customers, as well as small and medium enterprises across the nation of Vietnam.
11
Global Banking and Finance Review is pleased to present an award for fastest growing retail bank Vietnam 2017.
12
Recently we were glad to welcome to London Deputy General Director Ms. Thiang Thi Hien to receive the award.
13
Well welcome to London and thank you so much for being with us today and congratulations on the award as well.
14
It's my pleasure to be here to get the award.
15
Thank you for that.
16
And in fact, congratulations also on 24 years of operation with AB Bank.
17
How would you say, looking back over that time, the market, the banking market has evolved in Vietnam?
18
Previous years, our economy experienced the recovery after the toughest periods
19
of five since 2010 to 2015 of the downturn in the economy.
20
Last year, we see the increase in GDP at 6 .2 %
21
and the inflation is just at the rate of 2 .8%.
22
For the Vietnamese banking industry, we also see the recovery after such periods.
23
Under the focus of the government on reforming the banking industry,
24
we decreased the number of the commercial banks.
25
Now we have the soleil 31 commercial banks in Vietnam.
26
The government focuses on improving the efficiency and competitiveness of the banking sector.
27
We also can maintain the non -performing loan ratio lower than 3 % of the total outstanding loan to the market.
28
That's why the government believes that we can improve faster
29
and we can restructuring and finish the reforming the period sooner than expected.
30
According to the reports of the World Bank,
31
I think Vietnamese economy has a positive medium term outlook.
32
And we have a recovery at the asset rate because we have a huge local demand.
33
And we also have the economy that manufacturing focuses on the exports.
34
So it's a very competitive market at the moment.
35
What would you say the current trends in the banking sector actually are at the moment in Vietnam?
36
We see some trends in Vietnamese banking sectors that is not outside the trend of the global banking sectors.
37
Some similar like
38
because of the challenge from the
39
fintech wave of the fintech products that non -bank sectors provide to the customers.
40
And that's a lot, many banks in Vietnam now have to diversify the product
41
and services to adapt to the new situation of the market and the new requirements of the market.
42
Besides that, because our banks in Vietnam, the income, the major income of the banks.
43
income from the interest income.
44
It's accounted around 80 % of the total income of the bank.
45
Now we see the importance of the non -interest income.
46
That's why we have to focus on the products,
47
especially for the technology intense that we provide to the customers.
48
Well those are some of the current trends.
49
Anything else you want to add to that?
50
I think one more important point I want to add on the current trend,
51
because you see that the Vietnamese economy is a cash economy. And currently, the government
52
and also state bank of Vietnam want to increase the capacity
53
of the banks on providing the non -cash transactions to the market
54
and that's why all the banks have to try the best
55
effort on not only the training the customers on the way they behave with the money
56
and the way they do the transaction in the payment so
57
that to align with the direction of the government is to increase the non -cash transactions of the customers.
58
So you've actually enjoyed a fantastic 168 % growth over the years gone by.
59
What do you contribute and attribute indeed to that massive success?
60
Looking back to what we have achieved last year, under the closely supervised and the support from the BOD,
61
We see some primary contribution to such major achievement.
62
The first is about the network.
63
We increased significantly the number of the traditional network,
64
around 159 point of transactions over 33 provinces and cities
65
that provide the service to the key customer of that key carrier area.
66
The later because we have to diversify the product to provide to the customers
67
because we're not only relying on the traditional network
68
but we also provide the service non -traditional network like the service
69
and products on the online banking or mobile banking to the customers.
70
So next one is about we are trying
71
and maintaining the low non -performing loan is challenging in Vietnam because you know that non -performing loan
72
service is not easy at all.
73
But we have our planning for the recovery of the
74
non -performing loan has been made a good mark last year
75
and that's why our non -performing loan is a rate lower than the requirements of the state mind of Vietnam, 3%.
76
The next one is the next point
77
that helps us to improve the efficiency of the operation is
78
that we provide a wider range of products to the customers by separating the SME division
79
from the corporate banking in order to specify the requirements of the segment
80
and also to provide the specialized products to that customer.
81
The last reason is because we maintain the stable funding sources
82
and lower the cost of the funding and we maintain the good liquidity
83
and the squad is also the reason that support us to achieve the result of the last year.
84
So you made some quite important changes there to make things more effective.
85
And one of the recent developments I know is
86
that AB Bank actually has become the first Vietnamese member of the Financial Innovations of UNEP, to get it correct there.
87
Tell us more about the membership and the significance of that.
88
Since 2013, when IFC became our strategic partners and strategic shareholders,
89
we also have the kind of commitment together to provide delivery loan to the customer
90
and support the specific customer with the projects
91
that focus on sustainable development and the green economy, green technology.
92
To continue that commitment, early this year,
93
we became the first bank in Vietnam, became the member of UNEPFI.
94
It is the program
95
that has been established in 1972 in Stockholm by the UN to focus on the sustainable development and preventing the climate change.
96
Become a member of this program,
97
we want to be a pioneer in Vietnam to support the customer by green financing
98
and support their project to focus on the sustainable development.
99
The next one, when we become the member of this program,
100
we are able to join with a network of over 200 members from over 40 countries,
101
which is we can exchange the experience and
102
we can learn from them so that we can improve our efficiency
103
and to know how to support the customer on the sustainable development
104
and how to manage the environment risk and also the social risk.
105
Besides that,
106
we also want to improve the efficiency of our green portfolio
107
because you know that the project for the green technology or clean technologies
108
normally need money a lot.
109
But we believe that for the sustainable development, this is a good way to support the customer,
110
not only for the customer, not only for ourselves, but also for the society.
111
Yes, absolutely.
112
With a green environment, absolutely.
113
Now, I know, I mean, that's just one thing you mentioned there.
114
And I know AB Bank is very keen to come up with new innovations and improve services to your customers.
115
Can you tell us about some of your latest releases and projects?
116
You know that for the improved customer experience, it's not only how many new products we provide to the customer,
117
but also how the customer feel about your product and services.
118
And that's why besides the new products we provide to the customers,
119
depending on specific sectors like large corporate customers or SME customers or especially for the retail customers.
120
Now, all
121
that product we provide to the customer need to bring more
122
efficiency to the customer help the customer have the better experience with the bank.
123
Like, in shorter time serving, we focus on the operation excellence.
124
We have to focus on improving our SLA to provide the service.
125
Besides that, for now the customer experience the new technology products and we are now also focusing on that.
126
Last year, AB Bank fan page on Facebook is also one of the top 8 fan pages in Vietnam
127
and they interact with the customer on the Omnichannel.
128
I think it's also a good way to improve the customer experience with the bank keeping up with the times
129
and being very modern.
130
Moving on, we've got another half year to go yet before the end of 2017, at least at the time of this recording.
131
What are your plans for the future?
132
Any exciting new innovations we can hear about?
133
We have a big plan for 2017.
134
Like besides all other banks, we have a business plan.
135
Yes, we have to complete the business plan,
136
especially for the financial target at increasing the net profit by 22%.
137
Besides that, we have the other big targets like we are keeping the Moody's rating.
138
The next one is listing our shares on the stock exchange.
139
We also expect to prepare our financial reports according to the IFRS standard.
140
The next target of this year is we have so many projects that need to be implemented to apply our PZ2 requirements.
141
And the last big point
142
that we expected to complete this year is to improve our financial indicators like ROE or ROA.
143
It sounds like you're going to be very, very busy.
144
Thank you very much for coming and telling us more about AB Bank.
145
Once again, congratulations on the award and it's been really nice talking to you.
146
Thank you so much.
147
Thank you so much.
148
Thank you.
Descargar app
Todo lo que necesitas para hablar con fluidez
Pronunciación con IAEvalúa cada oración
Práctica de IPADomina cada sonido
VocabularioConstruye tu banco de palabras
Juego de vocabularioAprende mientras juegas
FOR YOU
Recomendar Video
C14
72 oraciones
Businesses drive innovation for climate resilience | Vietnam Today
Daily ConversationUniversity StudentsWorking Adults
C11
509 oraciones
The Digital Transformation of Banking and Financial Services in a New Era
Daily ConversationUniversity StudentsWorking Adults
C12
12 oraciones
Chúng ta đang đánh giá thấp tiềm năng kinh tế Việt Nam?
Daily ConversationUniversity StudentsWorking Adults
C16
63 oraciones
EVFTA: From tariff benefits to strategic advantage | Vietnam Today
Daily ConversationUniversity StudentsWorking Adults
C13
356 oraciones
Life in Vietnam: Why the Country Is Getting Rich So Fast | 4k Documentary
Daily ConversationUniversity StudentsWorking Adults
C13
570 oraciones
Why "Low-cost Manufacturing" Is An Outdated View Of Vietnam? | Mr. Derek Grundy | EP 413
Daily ConversationUniversity StudentsWorking Adults
C11
243 oraciones
IELTS Listening & Chill #11🎧Vừa thư giãn vừa đạt aim (Đề thi thật + Từ vựng)| English Podcast
IELTS PrepBusiness EnglishUniversity Students
C13
67 oraciones
How Vietnam Became an Economic Superstar Under Communist Rule
Daily ConversationUniversity StudentsWorking Adults
B21
115 oraciones
Việt Nam đang bắt chước MÔ HÌNH KINH TẾ của nước nào?
Daily ConversationUniversity StudentsWorking Adults
B22
256 oraciones
We Tried Vietnam's 7 Most Iconic Dishes 🇻🇳 (Were They Worth the Hype?)
Travel EnglishDaily ConversationUniversity Students
C14
12 oraciones
Bối cảnh kinh tế nửa đầu năm 2026 - Michael Kokalari - Giám đốc phòng Phân tích kinh tế VinaCapital
Daily ConversationWorking Adults
B21
314 oraciones
Gặp gỡ thực tập sinh đầu tiên của Vietcetera - Kalvin Lam, Software Engineer, Coinbase
Daily ConversationWorking Adults
Vocabulario y notas de pronunciación para esta lección
Esta lección de conversación se basa en el vídeo “Banking in Vietnam”. Las palabras que más se repiten: customer, bank, banking, Vietnam, product. Este vídeo tiene 148 frases y 1769 palabras para practicar shadowing. La parte hablada dura 16:53. El hablante habla despacio, unas 105 palabras por minuto, así que hay tiempo para imitar cada sonido. El 88 % de las palabras está entre las 3.000 más comunes del inglés, por lo que el vocabulario es fácil de seguir.
Vocabulario clave de este vídeo
15 palabras del vídeo que vale la pena aprender, con su pronunciación y significado:
| Palabra | Pronunciación | Significado |
|---|---|---|
| efficiency sustantivo | /ɪˈfɪʃ.ən.si/ | eficiencia |
| sustainable adjetivo | /səˈsteɪnəbəl/ | sostenible, sustentable |
| requirement sustantivo | /ɹɪˈkwaɪɹmənt/ | exigencia, requisito |
| transaction sustantivo | /tɹænˈzækʃən/ | transacción |
| congratulations | /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/ | felicidades, enhorabuena |
| innovation sustantivo | /ˌɪn.əˈveɪ.ʃən/ | innovación |
| commitment sustantivo | /kəˈmɪtmənt/ | compromiso, promesa |
| strategic adjetivo | /stɹəˈti.dʒɪk/ | estratégico |
| excellence sustantivo | /ˈɛksələns/ | excelencia, prestancia |
| stable sustantivo | /ˈsteɪ.bəl/ | establo, cuadra |
| membership sustantivo | membresía | |
| establish verbo | /ɪˈstæb.lɪʃ/ | establecer, establir |
| intense adjetivo | /ɪnˈtɛns/ | intenso |
| enterprise sustantivo | /ˈɛntəˌpɹaɪz/ | empresa, destajo |
| ratio sustantivo | /ˈɹeɪ.ʃoʊ/ | razón, cociente |
Phrasal verbs que vas a escuchar
| Palabra | Significado |
|---|---|
| come up with verbo | ingeniar, ingeniarse |
| keep up with verbo | seguir, ir al paso |
Frases que vale la pena repetir
Frases cortas y completas del vídeo que puedes reutilizar en la conversación diaria:
- Anything else you want to add to that?
- What do you contribute and attribute indeed to that massive success?
- Can you tell us about some of your latest releases and projects?
- What are your plans for the future?
- Any exciting new innovations we can hear about?
Gramática en este vídeo
Las estructuras que más usa el hablante, con las palabras exactas del vídeo:
| Estructura | En el vídeo |
|---|---|
| Present perfect have/has + participio pasado — una acción pasada que sigue importando ahora | has grown · has enjoyed · has evolved |
| Voz pasiva be + participio pasado — importa lo que ocurre, no quién lo hace | were created · has been made · has been established |
Pronunciación a tener en cuenta
El hablante usa 4 contracciones y formas reducidas, como we're, we've, you're. Dilas en su forma corta, tal como las oyes.
- Los sonidos de “sh” y “zh”: efficiency /ɪˈfɪʃ.ən.si/, transaction /tɹænˈzækʃən/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, innovation /ˌɪn.əˈveɪ.ʃən/, establish /ɪˈstæb.lɪʃ/
- Palabras largas — cuida el acento: efficiency /ɪˈfɪʃ.ən.si/, sustainable /səˈsteɪnəbəl/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, innovation /ˌɪn.əˈveɪ.ʃən/, contribution /ˌkɑntɹɪˈbjuʃən/
Sonidos difíciles para hispanohablantes:
- s + consonante al inicio — sin añadir una “e” delante: strategic /stɹəˈti.dʒɪk/, stable /ˈsteɪ.bəl/, specify /ˈspɛs.əˌfaɪ/, specialize /ˈspɛʃəˌlaɪz/
- /v/ — no es /b/: los dientes tocan el labio inferior: innovation /ˌɪn.əˈveɪ.ʃən/, achievement /əˈt͡ʃiːv.mənt/, provinces /ˈpɹɔv.ɪns.ɪz/, behave /bɪˈheɪv/, evolve /ɪˈvɑlv/
- /z/ — sonora, no /s/: transaction /tɹænˈzækʃən/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, enterprise /ˈɛntəˌpɹaɪz/, expertise /ˌɛkspɜːˈtiːz/, provinces /ˈpɹɔv.ɪns.ɪz/
Cómo practicar con este vídeo
- Escucha el vídeo entero una vez sin hablar y anota las palabras que no conoces.
- Haz shadowing frase por frase a velocidad normal, repitiendo cada una hasta que tu ritmo coincida con el del hablante.
- Grábate y compara con el original, prestando atención a palabras como efficiency, sustainable, requirement.
¿Qué es la Técnica de Shadowing?
Shadowing es una técnica de aprendizaje de idiomas respaldada por la ciencia, desarrollada originalmente para la formación de intérpretes profesionales y popularizada por el políglota Dr. Alexander Arguelles. El método es simple pero poderoso: escuchas audio en inglés nativo y lo repites en voz alta de inmediato, como una sombra que sigue al hablante con solo 1-2 segundos de retraso. A diferencia de la escucha pasiva o los ejercicios de gramática, el shadowing obliga a tu cerebro y músculos de la boca a procesar y reproducir simultáneamente patrones de habla reales. Las investigaciones muestran que mejora significativamente la precisión de la pronunciación, la entonación, el ritmo, el habla conectada, la comprensión auditiva y la fluidez al hablar, convirtiéndola en una de las metodologías más efectivas para la preparación del IELTS Speaking y la comunicación en inglés en el mundo real.