| Welcome: Nompu Siziba – Moneyweb Market Watcher: John Cairns – Client strategist, RMB Standard Bank sees 43% decline in earnings: Sim Tshabalala – Group CEO, Standard Bank Sanlam reports headline earnings up 24%: Paul Hanratty – Group CEO, Sanlam Covid lockdown cost Cape Town tourism almost 12 000 jobs: Enver Duminy – CEO, Cape Town Tourism SME business confidence dives after quieter festive season – index: Mark Paper – Chief Operating Officer, Business Partners International Legal tech start-up aims to reduce client fees up to 60%: Yusha Davidson – Co-founder, Legal Lens | 