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Transcript 
Worrying does not empty tomorrow of its troubles,
it empties today of its strength.” – Corrie ten Boom
2014
Thank you !!
Political/ Macro
Election
Labour
Agriculture
Debate
Eskom / Water
Administration
Banking
NCA / DR
BASEL III
Regulatory /
Fines
Digital
Lending
2015
Expansion or Consolidation ?
More debt or reduce debt –
Interest ?
Employ or outsource ?
Relevance ?
Financial Structure ?
Risks ?
Banks ?
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