| Welcome: Nompu Siziba – Moneyweb Market Watcher: Nesan Nair – Portfolio manager, Sasfin Securities President Ramaphosa condemns vaccine ‘hoarding’ by rich countries: Adrian Saville – CE, Cannon Asset Management Pep lay-by initiative encourages kindness by allowing customers to help others: Jaap Hamman – CEO, Pep African Bank sees FY loss due to tough economic climate: Gustav Raubenheimer – Financial Director, African Bank A basic income grant will present problems in the long run – Retail Capital: Guy Hosking – CFO, Retail Capital Affordable housing sales expected to continue to increase in 2021 – FNB: Siphamandla Mkhwanazi – Senior economist, FNB | 