跟讀練習: Banking in Vietnam - 通過影片學習英語口語
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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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本課的詞彙與口語要點
這節口語課以影片“Banking in Vietnam”為素材。 影片中反覆出現的詞有：customer, bank, banking, Vietnam, product。 這段影片共有 148 個句子、1769 個單詞可供跟讀。 講話部分時長為 16:53。 說話人語速較慢，每分鐘約 105 個詞，你有足夠的時間模仿每一個音。 88% 的單詞屬於英語最常用的 3,000 詞，詞彙容易理解。
影片中的重點詞彙
影片中 15 個值得學習的單詞，附發音和釋義：
| 單詞 | 發音 | 釋義 |
|---|---|---|
| efficiency 名詞 | /ɪˈfɪʃ.ən.si/ | 效率, 效能 |
| sustainable 形容詞 | /səˈsteɪnəbəl/ | 可持續的 /可持續的 |
| requirement 名詞 | /ɹɪˈkwaɪɹmənt/ | 要求, 需求 |
| transaction 名詞 | /tɹænˈzækʃən/ | 處理 /處理 |
| congratulations | /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/ | 恭喜, 恭喜恭喜 |
| innovation 名詞 | /ˌɪn.əˈveɪ.ʃən/ | 革新, 創新 /創新 |
| commitment 名詞 | /kəˈmɪtmənt/ | 承諾 /承諾 |
| strategic 形容詞 | /stɹəˈti.dʒɪk/ | 戰略的 /戰略的 |
| excellence 名詞 | /ˈɛksələns/ | 卓越 |
| stable 名詞 | /ˈsteɪ.bəl/ | 馬廄, 馬棚 /馬棚 |
| membership 名詞 | 會籍 /會籍, 會員身份 /會員身份 | |
| establish 動詞 | /ɪˈstæb.lɪʃ/ | 確定 /確定 |
| enterprise 名詞 | /ˈɛntəˌpɹaɪz/ | 企業 /企業 |
| ratio 名詞 | /ˈɹeɪ.ʃoʊ/ | 比, 比例 |
| achievement 名詞 | /əˈt͡ʃiːv.mənt/ | 成就, 成果 |
影片中出現的短語動詞
| 單詞 | 釋義 |
|---|---|
| come up with 動詞 | 想出, 提出 |
值得反覆跟讀的句子
影片中簡短而完整的句子，可以直接用在日常對話裡：
- 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?
影片中的語法
說話人最常用的結構，並附上影片中的原話：
| 結構 | 影片中的用法 |
|---|---|
| 現在完成時 have/has + 過去分詞 — 過去發生但與現在仍有關聯的事 | has grown · has enjoyed · has evolved |
| 被動語態 be + 過去分詞 — 強調發生了什麼，而不是誰做的 | were created · has been made · has been established |
需要注意的發音
說話人用了 4 次縮略和弱讀形式，例如 we're, we've, you're。請按聽到的簡短形式來說。
- “sh” 和 “zh” 音: efficiency /ɪˈfɪʃ.ən.si/, transaction /tɹænˈzækʃən/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, innovation /ˌɪn.əˈveɪ.ʃən/, establish /ɪˈstæb.lɪʃ/
- 長單詞——注意重音位置: efficiency /ɪˈfɪʃ.ən.si/, sustainable /səˈsteɪnəbəl/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, innovation /ˌɪn.əˈveɪ.ʃən/, contribution /ˌkɑntɹɪˈbjuʃən/
中文母語者容易讀錯的音：
- /v/ — 不要讀成 /w/，上齒輕觸下唇: innovation /ˌɪn.əˈveɪ.ʃən/, achievement /əˈt͡ʃiːv.mənt/, provinces /ˈpɹɔv.ɪns.ɪz/, behave /bɪˈheɪv/, evolve /ɪˈvɑlv/
- 詞尾子音 — 要讀清楚，後面不要加母音: requirement /ɹɪˈkwaɪɹmənt/, congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, commitment /kəˈmɪtmənt/, strategic /stɹəˈti.dʒɪk/, excellence /ˈɛksələns/
- /r/ 和 /l/ 的區別: congratulations /kənˌɡɹæt͡ʃəˈleɪʃ(ə)nz/, rely /ɹɪˈlaɪ/, considerable /kənˈsɪdəɹəbl̩/, shareholder /ˈʃɛəˌhəʊl.də(ɹ)/
如何用這段影片練習
- 先完整聽一遍影片，不要開口，記下不認識的單詞。
- 用正常速度逐句跟讀，每句重複到你的節奏與說話人一致為止。
- 錄下自己的聲音並與原聲對比，特別注意 efficiency, sustainable, requirement 這類單詞。
什麼是跟讀法？
跟讀法 (Shadowing) 是一種有科學依據的語言學習技巧，最初開發用於專業口譯員的培訓，並由多語言者Alexander Arguelles博士普及。這個方法簡單而強大：您在聽英語母語原聲的同時立即大聲重複——就像是一個延遲1-2秒緊跟說話者的影子。與被動聽力或語法練習不同，跟讀法強迫您的大腦和口腔肌肉同時處理並模模擬實的講話模式。研究表明它能顯著提高發音準確性，語調，節奏，連讀，聽力理解和口語流利度——使其成為雅思口語備考和真實英語交流最有效的方法之一。