쉐도잉 연습: Banking in Vietnam - 영상으로 영어 말하기 배우기

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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,

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which is we can exchange the experience and

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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,

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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.

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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.

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With a green environment, absolutely.

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Now, I know, I mean, that's just one thing you mentioned there.

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And I know AB Bank is very keen to come up with new innovations and improve services to your customers.

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Can you tell us about some of your latest releases and projects?

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You know that for the improved customer experience, it's not only how many new products we provide to the customer,

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but also how the customer feel about your product and services.

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And that's why besides the new products we provide to the customers,

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depending on specific sectors like large corporate customers or SME customers or especially for the retail customers.

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Now, all

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that product we provide to the customer need to bring more

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efficiency to the customer help the customer have the better experience with the bank.

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Like, in shorter time serving, we focus on the operation excellence.

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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.

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I think it's also a good way to improve the customer experience with the bank keeping up with the times

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and being very modern.

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Moving on, we've got another half year to go yet before the end of 2017, at least at the time of this recording.

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What are your plans for the future?

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Any exciting new innovations we can hear about?

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We have a big plan for 2017.

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Like besides all other banks, we have a business plan.

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Yes, we have to complete the business plan,

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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.

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We also expect to prepare our financial reports according to the IFRS standard.

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The next target of this year is we have so many projects that need to be implemented to apply our PZ2 requirements.

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And the last big point

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that we expected to complete this year is to improve our financial indicators like ROE or ROA.

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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.

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이 레슨의 어휘와 말하기 포인트

이 말하기 레슨은 영상 “Banking in Vietnam”을(를) 바탕으로 합니다. 가장 자주 반복되는 단어는 다음과 같습니다: customer, bank, banking, Vietnam, product. 이 영상에는 섀도잉할 문장 148개와 단어 1769개가 있습니다. 말하는 구간의 길이는 16:53입니다. 화자는 분당 약 105단어로 천천히 말해서 소리 하나하나를 따라 하기에 여유가 있습니다. 단어의 88%가 영어에서 가장 많이 쓰이는 3,000단어에 속해 어휘가 쉬운 편입니다.

이 영상의 핵심 어휘

영상에 나오는 익혀 둘 만한 단어 15개를 발음, 뜻과 함께 정리했습니다.

단어	발음	뜻
requirement 명사	/ɹɪˈkwaɪɹmənt/	요구
transaction 명사	/tɹænˈzækʃən/	처리
congratulations	/kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/	축하해요, 축하합니다
innovation 명사	/ˌɪn.əˈveɪ.ʃən/	혁신
stable 명사	/ˈsteɪ.bəl/	마구간, 축사
membership 명사		회원, 멤버십
intense 형용사	/ɪnˈtɛns/	강렬한, 극심한
enterprise 명사	/ˈɛntəˌpɹaɪz/	사업, 기업
ratio 명사	/ˈɹeɪ.ʃoʊ/	비, 비율
achievement 명사	/əˈt͡ʃiːv.mənt/	달성, 업적
contribution 명사	/ˌkɑntɹɪˈbjuʃən/	기여, 공헌
prominent 형용사	/ˈpɹɑmɪnənt/	돌출(突出)되다
rely 동사	/ɹɪˈlaɪ/	의지(依支)하다
export 명사	/ˈɛks.pɔɹt/	수출품
asset 명사	/ˈæsɛt/	자산

따라 말해 볼 만한 문장

영상에 나오는 짧고 완결된 문장으로, 일상 대화에서 그대로 쓸 수 있습니다:

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?

이 영상의 문법

화자가 가장 많이 쓰는 문형을 영상 속 실제 표현과 함께 정리했습니다.

문형	영상 속 표현
현재완료 have/has + 과거분사 — 과거의 일이 지금도 관련이 있을 때	has grown · has enjoyed · has evolved
수동태 be + 과거분사 — 누가 하는지보다 무슨 일이 일어나는지에 초점	were created · has been made · has been established

주의할 발음

화자는 we're, we've, you're 같은 축약형과 약화된 형태를 4번 사용합니다. 들리는 대로 짧게 발음하세요.

“sh”와 “zh” 소리: efficiency /ɪˈfɪʃ.ən.si/, transaction /tɹænˈzækʃən/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, innovation /ˌɪn.əˈveɪ.ʃən/, establish /ɪˈstæb.lɪʃ/
긴 단어 — 강세 위치에 주의: efficiency /ɪˈfɪʃ.ən.si/, sustainable /səˈsteɪnəbəl/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, innovation /ˌɪn.əˈveɪ.ʃən/, contribution /ˌkɑntɹɪˈbjuʃən/

한국어 화자가 어려워하는 소리:

/f/ — ㅍ(/p/)으로 바꾸지 말고 윗니를 아랫입술에 대기: efficiency /ɪˈfɪʃ.ən.si/, emphasis /ˈɛmfəsɪs/, significance /sɪɡˈnɪfɪkəns/, portfolio /pɔːtˈfəʊ.liˌəʊ/, inflation /ɪnˈfleɪ.ʃən/
/v/ — ㅂ(/b/)과 구별하기: innovation /ˌɪn.əˈveɪ.ʃən/, achievement /əˈt͡ʃiːv.mənt/, provinces /ˈpɹɔv.ɪns.ɪz/, behave /bɪˈheɪv/, evolve /ɪˈvɑlv/
/z/ — ㅈ이 아니라 성대를 울리는 /s/: transaction /tɹænˈzækʃən/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, enterprise /ˈɛntəˌpɹaɪz/, expertise /ˌɛkspɜːˈtiːz/, provinces /ˈpɹɔv.ɪns.ɪz/

이 영상으로 연습하는 방법

먼저 말하지 않고 영상을 끝까지 듣고 모르는 단어를 적어 둡니다.
보통 속도로 한 문장씩 섀도잉하고, 화자의 리듬과 맞을 때까지 반복합니다.
자신의 목소리를 녹음해 원본과 비교하고, requirement, transaction, congratulations 같은 단어에 특히 주의합니다.

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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쉐도잉 연습: Banking in Vietnam - 영상으로 영어 말하기 배우기

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