シャドーイング練習: Banking in Vietnam - 動画で英語スピーキングを学ぶ

練習モードを選ぶ

各モードは全画面の練習ルームで開きます。

148 文

文が短すぎたり長すぎる場合は、Editをタップして調整してください。

Welcome to Global Banking and Finance Review Awards.

Global Banking and Finance Review is a leading brand name in the world of finance and banking.

Their awards were created to recognize companies of all sizes

that are prominent in particular areas of expertise and excellence within the global financial community.

Today we are pleased to present an award to AB Bank for Vietnam's fastest growing retail bank.

With the support of national as well as international partners, AB Bank has grown around a professional and modern management team.

With the goal to become one of the leading commercial joint stock banks in Vietnam and a focus on retail banking,

AB Bank has a strong emphasis on development and investment in technology and has enjoyed considerable growth over recent years.

AB Bank aims to provide a platform for utility products and services for individual customers,

corporate customers, as well as small and medium enterprises across the nation of Vietnam.

Global Banking and Finance Review is pleased to present an award for fastest growing retail bank Vietnam 2017.

Recently we were glad to welcome to London Deputy General Director Ms. Thiang Thi Hien to receive the award.

Well welcome to London and thank you so much for being with us today and congratulations on the award as well.

It's my pleasure to be here to get the award.

Thank you for that.

And in fact, congratulations also on 24 years of operation with AB Bank.

How would you say, looking back over that time, the market, the banking market has evolved in Vietnam?

Previous years, our economy experienced the recovery after the toughest periods

of five since 2010 to 2015 of the downturn in the economy.

Last year, we see the increase in GDP at 6 .2 %

and the inflation is just at the rate of 2 .8%.

For the Vietnamese banking industry, we also see the recovery after such periods.

Under the focus of the government on reforming the banking industry,

we decreased the number of the commercial banks.

Now we have the soleil 31 commercial banks in Vietnam.

The government focuses on improving the efficiency and competitiveness of the banking sector.

We also can maintain the non -performing loan ratio lower than 3 % of the total outstanding loan to the market.

That's why the government believes that we can improve faster

and we can restructuring and finish the reforming the period sooner than expected.

According to the reports of the World Bank,

I think Vietnamese economy has a positive medium term outlook.

And we have a recovery at the asset rate because we have a huge local demand.

And we also have the economy that manufacturing focuses on the exports.

So it's a very competitive market at the moment.

What would you say the current trends in the banking sector actually are at the moment in Vietnam?

We see some trends in Vietnamese banking sectors that is not outside the trend of the global banking sectors.

Some similar like

because of the challenge from the

fintech wave of the fintech products that non -bank sectors provide to the customers.

And that's a lot, many banks in Vietnam now have to diversify the product

and services to adapt to the new situation of the market and the new requirements of the market.

Besides that, because our banks in Vietnam, the income, the major income of the banks.

income from the interest income.

It's accounted around 80 % of the total income of the bank.

Now we see the importance of the non -interest income.

That's why we have to focus on the products,

especially for the technology intense that we provide to the customers.

Well those are some of the current trends.

Anything else you want to add to that?

I think one more important point I want to add on the current trend,

because you see that the Vietnamese economy is a cash economy. And currently, the government

and also state bank of Vietnam want to increase the capacity

of the banks on providing the non -cash transactions to the market

and that's why all the banks have to try the best

effort on not only the training the customers on the way they behave with the money

and the way they do the transaction in the payment so

that to align with the direction of the government is to increase the non -cash transactions of the customers.

So you've actually enjoyed a fantastic 168 % growth over the years gone by.

What do you contribute and attribute indeed to that massive success?

Looking back to what we have achieved last year, under the closely supervised and the support from the BOD,

We see some primary contribution to such major achievement.

The first is about the network.

We increased significantly the number of the traditional network,

around 159 point of transactions over 33 provinces and cities

that provide the service to the key customer of that key carrier area.

The later because we have to diversify the product to provide to the customers

because we're not only relying on the traditional network

but we also provide the service non -traditional network like the service

and products on the online banking or mobile banking to the customers.

So next one is about we are trying

and maintaining the low non -performing loan is challenging in Vietnam because you know that non -performing loan

service is not easy at all.

But we have our planning for the recovery of the

non -performing loan has been made a good mark last year

and that's why our non -performing loan is a rate lower than the requirements of the state mind of Vietnam, 3%.

The next one is the next point

that helps us to improve the efficiency of the operation is

that we provide a wider range of products to the customers by separating the SME division

from the corporate banking in order to specify the requirements of the segment

and also to provide the specialized products to that customer.

The last reason is because we maintain the stable funding sources

and lower the cost of the funding and we maintain the good liquidity

and the squad is also the reason that support us to achieve the result of the last year.

So you made some quite important changes there to make things more effective.

And one of the recent developments I know is

that AB Bank actually has become the first Vietnamese member of the Financial Innovations of UNEP, to get it correct there.

Tell us more about the membership and the significance of that.

Since 2013, when IFC became our strategic partners and strategic shareholders,

we also have the kind of commitment together to provide delivery loan to the customer

and support the specific customer with the projects

that focus on sustainable development and the green economy, green technology.

To continue that commitment, early this year,

we became the first bank in Vietnam, became the member of UNEPFI.

It is the program

that has been established in 1972 in Stockholm by the UN to focus on the sustainable development and preventing the climate change.

Become a member of this program,

we want to be a pioneer in Vietnam to support the customer by green financing

and support their project to focus on the sustainable development.

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.

アプリをダウンロード

流暢に話すために必要なすべて

AI発音採点文ごとに採点

IPA練習すべての音をマスター

単語学習自分の単語帳を作る

単語ゲーム遊びながら覚える

QRをスキャン

Download on theApp Store Get it onGoogle Play

FOR YOU

このレッスンの語彙とスピーキングのポイント

このスピーキングレッスンは、動画「Banking in Vietnam」を教材にしています。繰り返し出てくる語は次のとおりです：customer, bank, banking, Vietnam, product。この動画には、シャドーイング用の文が148文、単語が1769語あります。音声の長さは16:53です。話す速さはゆっくりで、1分あたり約105語です。一つ一つの音をまねる余裕があります。単語の88%は英語の頻出3,000語に含まれるため、語彙は分かりやすいです。

この動画の重要語彙

動画に出てくる覚えておきたい単語15語を、発音と意味つきで紹介します。

単語	発音	意味
efficiency 名詞	/ɪˈfɪʃ.ən.si/	効率性, 効率
sustainable 形容詞	/səˈsteɪnəbəl/	持続可能
requirement 名詞	/ɹɪˈkwaɪɹmənt/	要求
transaction 名詞	/tɹænˈzækʃən/	処理
congratulations	/kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/	おめでとう, おめでとうございます
innovation 名詞	/ˌɪn.əˈveɪ.ʃən/	イノベーション, 革新
strategic 形容詞	/stɹəˈti.dʒɪk/	戦略的な
excellence 名詞	/ˈɛksələns/	優秀さ
stable 名詞	/ˈsteɪ.bəl/	馬小屋, 厩舎
membership 名詞		会員
intense 形容詞	/ɪnˈtɛns/	激しい
enterprise 名詞	/ˈɛntəˌpɹaɪz/	企業, 事業
ratio 名詞	/ˈɹeɪ.ʃoʊ/	比
achievement 名詞	/əˈt͡ʃiːv.mənt/	達成, 到達
contribute 動詞	/kənˈtɹɪb.jut/	貢献する

繰り返し練習したい文

動画に出てくる短く完結した文です。日常会話でそのまま使えます。

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?

この動画の文法

話し手がよく使っている文型を、動画の実際の表現とともに紹介します。

文型	動画での表現
現在完了形 have/has + 過去分詞 — 過去の出来事が今も関係している	has grown · has enjoyed · has evolved
受動態 be + 過去分詞 — 誰がするかより、何が起きるかに焦点を当てる	were created · has been made · has been established

注意したい発音

話し手はwe're, we've, you'reなど、短縮形や弱形を4回使っています。聞こえたとおりの短い形で発音しましょう。

「sh」と「zh」の音: efficiency /ɪˈfɪʃ.ən.si/, transaction /tɹænˈzækʃən/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, innovation /ˌɪn.əˈveɪ.ʃən/, establish /ɪˈstæb.lɪʃ/
長い単語（アクセントの位置に注意）: efficiency /ɪˈfɪʃ.ən.si/, sustainable /səˈsteɪnəbəl/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, innovation /ˌɪn.əˈveɪ.ʃən/, contribution /ˌkɑntɹɪˈbjuʃən/

日本語話者が苦手な音：

/r/ と /l/ の区別 — /l/ は舌先を歯茎につけ、/r/ はどこにもつけない: congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, rely /ɹɪˈlaɪ/, considerable /kənˈsɪdəɹəbl̩/, shareholder /ˈʃɛəˌhəʊl.də(ɹ)/
/v/ — /b/ にならないように、上の歯を下唇に当てる: innovation /ˌɪn.əˈveɪ.ʃən/, achievement /əˈt͡ʃiːv.mənt/, provinces /ˈpɹɔv.ɪns.ɪz/, behave /bɪˈheɪv/, evolve /ɪˈvɑlv/
/f/ — 「フ」ではなく、上の歯と下唇で出す: efficiency /ɪˈfɪʃ.ən.si/, emphasis /ˈɛmfəsɪs/, significance /sɪɡˈnɪfɪkəns/, portfolio /pɔːtˈfəʊ.liˌəʊ/, inflation /ɪnˈfleɪ.ʃən/

この動画での練習方法

まず声を出さずに動画を最後まで聞き、知らない単語をメモします。
通常の速度で一文ずつシャドーイングし、話し手のリズムに合うまで繰り返します。
自分の声を録音して元の音声と比べます。efficiency, sustainable, requirementなどの単語に特に注意しましょう。

シャドーイングとは？英語上達に効果的な理由

シャドーイング（Shadowing）は、もともとプロの通訳者養成プログラムで開発された言語学習法で、多言語習得者として知られるDr. Alexander Arguelles によって広く普及されました。方法はシンプルですが非常に効果的：ネイティブスピーカーの英語を聞きながら、1〜2秒の遅延で声に出してすぐに繰り返す——まるで「影（shadow）」のように話者を追いかけます。文法ドリルや受動的なリスニングと異なり、シャドーイングは脳と口の筋肉が同時にリアルタイムで英語を処理・再現することを強制します。研究により、発音精度、抑揚、リズム、連音、リスニング力、そして会話の流暢さが大幅に向上することが確認されています。IELTSスピーキング対策や自然な英語コミュニケーションを目指す方に特におすすめです。

シャドーイングのやり方: ステップ別の完全ガイドを読む →

シャドーイング練習: Banking in Vietnam - 動画で英語スピーキングを学ぶ

練習モードを選ぶ

アプリをダウンロード

おすすめ動画

Businesses drive innovation for climate resilience | Vietnam Today

The Digital Transformation of Banking and Financial Services in a New Era

Chúng ta đang đánh giá thấp tiềm năng kinh tế Việt Nam?

EVFTA: From tariff benefits to strategic advantage | Vietnam Today

Life in Vietnam: Why the Country Is Getting Rich So Fast | 4k Documentary

Why "Low-cost Manufacturing" Is An Outdated View Of Vietnam? | Mr. Derek Grundy | EP 413

IELTS Listening & Chill #11🎧Vừa thư giãn vừa đạt aim (Đề thi thật + Từ vựng)| English Podcast

How Vietnam Became an Economic Superstar Under Communist Rule

Việt Nam đang bắt chước MÔ HÌNH KINH TẾ của nước nào?

We Tried Vietnam's 7 Most Iconic Dishes 🇻🇳 (Were They Worth the Hype?)

Bối cảnh kinh tế nửa đầu năm 2026 - Michael Kokalari - Giám đốc phòng Phân tích kinh tế VinaCapital

Gặp gỡ thực tập sinh đầu tiên của Vietcetera - Kalvin Lam, Software Engineer, Coinbase