| Welcome: Nompu Siziba Market Watcher: Makwe Masilela – CIO, Makwe Fund Managers How has COVID-19 been affecting trade? Dr Martyn Davies - Managing Director: Emerging Markets & Africa, Deloitte Bidvest HY profit drops due to accounting changes: Lindsay Ralphs – CEO, Bidvest PMI lower for fourth month in the row: Miyelani Maluleke – Economist, Absa Who will be impacted by the expat tax? Carrie Norden – Tax Manager, Allan Gray The importance of remaining insured when money gets tight: Christelle Colman – Insurance expert, Old mutual | 
Comair reports headline loss of R564m 