Prática de Shadowing: Banking in Vietnam - Aprenda a falar inglês com vídeo
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Welcome to Global Banking and Finance Review Awards.
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Global Banking and Finance Review is a leading brand name in the world of finance and banking.
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Their awards were created to recognize companies of all sizes
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that are prominent in particular areas of expertise and excellence within the global financial community.
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Today we are pleased to present an award to AB Bank for Vietnam's fastest growing retail bank.
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With the support of national as well as international partners, AB Bank has grown around a professional and modern management team.
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With the goal to become one of the leading commercial joint stock banks in Vietnam and a focus on retail banking,
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AB Bank has a strong emphasis on development and investment in technology and has enjoyed considerable growth over recent years.
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AB Bank aims to provide a platform for utility products and services for individual customers,
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corporate customers, as well as small and medium enterprises across the nation of Vietnam.
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Global Banking and Finance Review is pleased to present an award for fastest growing retail bank Vietnam 2017.
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Recently we were glad to welcome to London Deputy General Director Ms. Thiang Thi Hien to receive the award.
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Well welcome to London and thank you so much for being with us today and congratulations on the award as well.
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It's my pleasure to be here to get the award.
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Thank you for that.
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And in fact, congratulations also on 24 years of operation with AB Bank.
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How would you say, looking back over that time, the market, the banking market has evolved in Vietnam?
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Previous years, our economy experienced the recovery after the toughest periods
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of five since 2010 to 2015 of the downturn in the economy.
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Last year, we see the increase in GDP at 6 .2 %
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and the inflation is just at the rate of 2 .8%.
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For the Vietnamese banking industry, we also see the recovery after such periods.
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Under the focus of the government on reforming the banking industry,
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we decreased the number of the commercial banks.
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Now we have the soleil 31 commercial banks in Vietnam.
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The government focuses on improving the efficiency and competitiveness of the banking sector.
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We also can maintain the non -performing loan ratio lower than 3 % of the total outstanding loan to the market.
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That's why the government believes that we can improve faster
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and we can restructuring and finish the reforming the period sooner than expected.
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According to the reports of the World Bank,
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I think Vietnamese economy has a positive medium term outlook.
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And we have a recovery at the asset rate because we have a huge local demand.
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And we also have the economy that manufacturing focuses on the exports.
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So it's a very competitive market at the moment.
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What would you say the current trends in the banking sector actually are at the moment in Vietnam?
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We see some trends in Vietnamese banking sectors that is not outside the trend of the global banking sectors.
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Some similar like
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because of the challenge from the
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fintech wave of the fintech products that non -bank sectors provide to the customers.
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And that's a lot, many banks in Vietnam now have to diversify the product
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and services to adapt to the new situation of the market and the new requirements of the market.
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Besides that, because our banks in Vietnam, the income, the major income of the banks.
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income from the interest income.
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It's accounted around 80 % of the total income of the bank.
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Now we see the importance of the non -interest income.
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That's why we have to focus on the products,
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especially for the technology intense that we provide to the customers.
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Well those are some of the current trends.
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Anything else you want to add to that?
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I think one more important point I want to add on the current trend,
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because you see that the Vietnamese economy is a cash economy. And currently, the government
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and also state bank of Vietnam want to increase the capacity
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of the banks on providing the non -cash transactions to the market
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and that's why all the banks have to try the best
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effort on not only the training the customers on the way they behave with the money
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and the way they do the transaction in the payment so
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that to align with the direction of the government is to increase the non -cash transactions of the customers.
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So you've actually enjoyed a fantastic 168 % growth over the years gone by.
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What do you contribute and attribute indeed to that massive success?
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Looking back to what we have achieved last year, under the closely supervised and the support from the BOD,
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We see some primary contribution to such major achievement.
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The first is about the network.
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We increased significantly the number of the traditional network,
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around 159 point of transactions over 33 provinces and cities
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that provide the service to the key customer of that key carrier area.
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The later because we have to diversify the product to provide to the customers
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because we're not only relying on the traditional network
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but we also provide the service non -traditional network like the service
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and products on the online banking or mobile banking to the customers.
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So next one is about we are trying
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and maintaining the low non -performing loan is challenging in Vietnam because you know that non -performing loan
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service is not easy at all.
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But we have our planning for the recovery of the
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non -performing loan has been made a good mark last year
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and that's why our non -performing loan is a rate lower than the requirements of the state mind of Vietnam, 3%.
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The next one is the next point
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that helps us to improve the efficiency of the operation is
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that we provide a wider range of products to the customers by separating the SME division
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from the corporate banking in order to specify the requirements of the segment
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and also to provide the specialized products to that customer.
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The last reason is because we maintain the stable funding sources
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and lower the cost of the funding and we maintain the good liquidity
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and the squad is also the reason that support us to achieve the result of the last year.
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So you made some quite important changes there to make things more effective.
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And one of the recent developments I know is
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that AB Bank actually has become the first Vietnamese member of the Financial Innovations of UNEP, to get it correct there.
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Tell us more about the membership and the significance of that.
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Since 2013, when IFC became our strategic partners and strategic shareholders,
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we also have the kind of commitment together to provide delivery loan to the customer
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and support the specific customer with the projects
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that focus on sustainable development and the green economy, green technology.
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To continue that commitment, early this year,
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we became the first bank in Vietnam, became the member of UNEPFI.
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It is the program
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that has been established in 1972 in Stockholm by the UN to focus on the sustainable development and preventing the climate change.
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Become a member of this program,
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we want to be a pioneer in Vietnam to support the customer by green financing
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and support their project to focus on the sustainable development.
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The next one, when we become the member of this program,
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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
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and to know how to support the customer on the sustainable development
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and how to manage the environment risk and also the social risk.
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Besides that,
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we also want to improve the efficiency of our green portfolio
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because you know that the project for the green technology or clean technologies
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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,
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not only for the customer, not only for ourselves, but also for the society.
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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.
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Besides that, for now the customer experience the new technology products and we are now also focusing on that.
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Last year, AB Bank fan page on Facebook is also one of the top 8 fan pages in Vietnam
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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%.
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Besides that, we have the other big targets like we are keeping the Moody's rating.
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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.
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Thank you very much for coming and telling us more about AB Bank.
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Once again, congratulations on the award and it's been really nice talking to you.
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Thank you so much.
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Thank you so much.
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Thank you.
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Vocabulário e dicas de fala para esta lição
Esta aula de conversação usa o vídeo “Banking in Vietnam”. As palavras que mais se repetem: customer, bank, banking, Vietnam, product. Este vídeo tem 148 frases e 1769 palavras para praticar shadowing. A fala dura 16:53. O falante fala devagar, cerca de 105 palavras por minuto, o que dá tempo para imitar cada som. 88% das palavras estão entre as 3.000 mais comuns do inglês, por isso o vocabulário é fácil de acompanhar.
Vocabulário principal deste vídeo
15 palavras do vídeo que vale a pena aprender, com pronúncia e significado:
| Palavra | Pronúncia | Significado |
|---|---|---|
| efficiency substantivo | /ɪˈfɪʃ.ən.si/ | eficiência |
| sustainable adjetivo | /səˈsteɪnəbəl/ | sustentável |
| requirement substantivo | /ɹɪˈkwaɪɹmənt/ | exigência, requisito |
| transaction substantivo | /tɹænˈzækʃən/ | transação |
| congratulations | /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/ | parabéns, congratulações |
| innovation substantivo | /ˌɪn.əˈveɪ.ʃən/ | inovação |
| commitment substantivo | /kəˈmɪtmənt/ | compromisso, promessa |
| strategic adjetivo | /stɹəˈti.dʒɪk/ | estratégico |
| excellence substantivo | /ˈɛksələns/ | excelência |
| stable substantivo | /ˈsteɪ.bəl/ | estábulo, cavalariça |
| membership substantivo | membro, corpo do membro | |
| establish verbo | /ɪˈstæb.lɪʃ/ | firmar, instaurar |
| intense adjetivo | /ɪnˈtɛns/ | intenso |
| enterprise substantivo | /ˈɛntəˌpɹaɪz/ | empresa |
| ratio substantivo | /ˈɹeɪ.ʃoʊ/ | razão, rácio |
Phrasal verbs que você vai ouvir
| Palavra | Significado |
|---|---|
| come up with verbo | pensar (em), alcançar |
Frases que vale a pena repetir
Frases curtas e completas do vídeo que você pode usar na conversa do dia a dia:
- 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 neste vídeo
As estruturas que o falante mais usa, com as palavras exatas do vídeo:
| Estrutura | No vídeo |
|---|---|
| Present perfect have/has + particípio passado — uma ação passada que ainda importa agora | has grown · has enjoyed · has evolved |
| Voz passiva be + particípio passado — o foco está no que acontece, não em quem faz | were created · has been made · has been established |
Pronúncia para ficar de olho
O falante usa 4 contrações e formas reduzidas, como we're, we've, you're. Diga-as na forma curta, do jeito que você ouve.
- Os sons de “sh” e “zh”: efficiency /ɪˈfɪʃ.ən.si/, transaction /tɹænˈzækʃən/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, innovation /ˌɪn.əˈveɪ.ʃən/, establish /ɪˈstæb.lɪʃ/
- Palavras longas — acerte a sílaba tônica: efficiency /ɪˈfɪʃ.ən.si/, sustainable /səˈsteɪnəbəl/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, innovation /ˌɪn.əˈveɪ.ʃən/, contribution /ˌkɑntɹɪˈbjuʃən/
Sons difíceis para falantes de português:
- Consoante final — sem acrescentar um “i” depois: requirement /ɹɪˈkwaɪɹmənt/, commitment /kəˈmɪtmənt/, strategic /stɹəˈti.dʒɪk/, achievement /əˈt͡ʃiːv.mənt/, contribute /kənˈtɹɪb.jut/
- /l/ final — a língua toca o céu da boca, não vira “u”: sustainable /səˈsteɪnəbəl/, stable /ˈsteɪ.bəl/
- /h/ — um sopro suave, diferente do “r”: behave /bɪˈheɪv/, shareholder /ˈʃɛəˌhəʊl.də(ɹ)/
Como praticar com este vídeo
- Ouça o vídeo inteiro uma vez sem falar e anote as palavras que você não conhece.
- Faça shadowing frase por frase na velocidade normal, repetindo cada uma até o seu ritmo ficar igual ao do falante.
- Grave a sua voz e compare com o original, prestando atenção a palavras como efficiency, sustainable, requirement.
O que é a Técnica de Shadowing?
Shadowing é uma técnica de aprendizado de idiomas com base científica, originalmente desenvolvida para o treinamento de intérpretes profissionais. O método é simples, mas poderoso: você ouve áudio em inglês nativo e repete imediatamente em voz alta — como uma sombra seguindo o falante com 1-2 segundos de atraso. Pesquisas mostram melhora significativa na precisão da pronúncia, entonação, ritmo, sons conectados, compreensão auditiva e fluência na fala.