Tony Tyler amalankhula ku IATA World Financial Symposium, Barcelona

BARCELONA, Spain – Tony Tyler, Director General and CEO wa IATA, analankhula ku IATA World Financial Symposium ku Barcelona lero.

Mawu onse akulankhula kwa Bambo Tyler:

Amayi ndi madona: chabwino m'mawa. Ndizosangalatsa kukhala nanu pamalo odziwika bwino azachikhalidwe, malingaliro aulere, malonda ndi kupanga. Ndikufuna kuwonjezera zikomo kwa othandizira athu chifukwa cha thandizo lawo lamphamvu, zomwe zimapangitsa kuti zochitika ngati izi zitheke.

2015 ndi chaka chapadera kwa makampani opanga ndege. Zaka makumi asanu ndi awiri zapitazo, atsogoleri a ndege za 57 adasonkhana ku Havana, Cuba, kupanga IATA. Zolinga za Association zinali zomveka. IATA inali yolimbikitsa mayendedwe apandege otetezeka, ogwira mtima, komanso otsika mtengo. Potero, kukanadzetsa phindu lalikulu—kupindulitsa anthu adziko ndi kulimbikitsa malonda.

Mzere wa tag wa chikondwerero chathu chazaka 70 ndi "Kuwuluka bwino. Pamodzi.” Izi zikutikumbutsa mfundo yoti IATA idapangidwa kuti ikhale bwalo la mgwirizano wamakampani ndi mgwirizano, kuchita pamodzi ntchito zomwe zingakhale zodula kwambiri komanso zosakwanira kuti ndege zizizichita payekhapayekha. Tingakhalenso galimoto yothandizira chitukuko cha miyezo ndi machitidwe abwino ofunikira kuti pakhale ntchito yotetezeka komanso yogwira ntchito yapadziko lonse lapansi.

Mayendedwe a ndege masiku ano ndi osiyana kwambiri ndi pamene IATA inakhazikitsidwa mu April 1945. Chaka chino ndege zidzanyamula anthu 3.5 biliyoni - kapena pafupifupi 9.6 miliyoni tsiku lililonse - zomwe ndi zochuluka kuposa zomwe zinkachitika m'chaka chonse cha 1945. Zoposa gawo limodzi mwa magawo atatu a malonda apadziko lonse. ndi mtengo amanyamulidwa kupyola mu mlengalenga; ndipo ndege zimathandizira pafupifupi $2.4 thililiyoni ku GDP yapadziko lonse lapansi. Ndipo makampaniwa asintha kukhala makina opangira ntchito, kuthandizira ntchito pafupifupi 58 miliyoni padziko lonse lapansi tikaphatikiza phindu la zokopa alendo zokhudzana ndi ndege.

Masomphenya opangira phindu akukwaniritsidwa. Kulumikizana komwe kumaperekedwa ndi ndege kumathandizira kulumikizana kwapadziko lonse lapansi pazaulimi ndi kupanga. Chifukwa cha kayendetsedwe ka ndege, nthawi zambiri simumayenda ulendo wa maola 24 kuchokera kumalo ena okhala ndi anthu padziko lonse lapansi. Komanso, ndife opulumutsa pakagwa tsoka. Chivomezi chomwe chinachitika ku Nepal chinawonetsa ntchito yofunika kwambiri yoyendetsa ndege pothandizira kunyamula ogwira ntchito zothandizira ndi zopulumutsa anthu, komanso mankhwala ndi zipangizo, kwa omwe akusowa thandizo. Mayendedwe a ndege amalemeretsanso dziko lapansi m'njira zambirimbiri zosagwirizana ndi ndalama, kulumikizananso ndi abwenzi ndi mabanja, kumathandizira maulendo ozindikira, ndikupanga mipata yomvetsetsa bwino zachikhalidwe.

Kuthekera kwa ndege kupangitsa dziko lapansi kukhala malo olemera, olumikizana kwambiri kumakhazikika pazipilala zitatu: Tiyenera kukhala otetezeka, okhazikika komanso opindulitsa. Chitetezo ndiye chofunikira kwambiri kwa aliyense wokhudzana ndi kayendetsedwe ka ndege. Pogawana ukatswiri wathu ndikugwira ntchito limodzi kudzera mumiyezo yapadziko lonse lapansi monga IATA Operational Safety Audit, tapanga kukhala njira yotetezeka kwambiri yamayendedwe apamtunda omwe dziko lapansi lidakhalapo.

Kukhazikika ndi mzati wathu wachiwiri. Ndi chilolezo chathu kuti tikule-ndipo takhala tikupita patsogolo kwambiri pazaka makumi ambiri pochepetsa phokoso ndi mpweya. Phokoso la ndege zatsopano ndi laling'ono 15% kuposa la ndege zomwe amalowetsamo ndipo amapereka mphamvu yamafuta omwe ndi osachepera 70% kuposa ma jets opangidwa m'ma 1960s. Monga makampani tadzipereka kupititsa patsogolo kuchepetsa kukhudzidwa kwa kayendetsedwe ka ndege pa chilengedwe ndikukhala ndi chandamale champhamvu kuti tikwaniritse kukula kosalowerera ndale kuchokera mu 2020, ndikuchepetsa 50% ya mpweya wa CO2 mu 2050 poyerekeza ndi 2005.

Phindu ndilo mzati wathu wachitatu - ndipo m'mbiri, wakhala wofooka kwambiri - ndikukhulupirira kuti munamva nthabwala kuti njira yopezera ndalama zochepa pamakampani oyendetsa ndege ndi kuyamba ndi yaikulu. Nkhani yabwino ndiyakuti patatha zaka zambiri zogwira ntchito molimbika komanso kukonzanso zinthu, zinthu zikuyenda bwino. Mchaka cha 2015, tikuyembekezera phindu lamakampani la $29.3 biliyoni pazopeza $727 biliyoni, phindu la 4%. Zomwe zikutanthawuza ndikuti makampani oyendetsa ndege nthawi zambiri amapeza ndalama zake.

Ndiloleni nditenge kamphindi kuti ndione kuti palibe amene akuyenera kupepesa chifukwa mu 2015 makampaniwa akuyenda bwino kuposa momwe amachitira nthawi zonse. Ngati kupindula sikuli mawu onyansa pomwe Apple itembenuza phindu la 23% kuposa momwe siziyenera kukhalira pomwe ndege zimapeza zotsatira za 4%.

Chotsatirachi chiyeneranso kuwonetsedwa bwino. Choyamba, ndi pafupifupi padziko lonse lapansi, koma pali kusiyana kwakukulu pakati pa zigawo. Zoposa theka la phindu lapadziko lonse lapansi likupangidwa ku North America. Ngakhale kuti chuma chonse chamakampani chikuyenda bwino, kwa ndege zambiri kuvutikira kuti asunge ndalama patsogolo pamtengo akadali wovuta kwambiri, pomwe katswiri wazachuma ku IATA Julie Perovic awunikanso zomwe akuwonetsa m'mawa uno.

Kuphatikiza apo, tiyenera kuzindikira kuti kumakampani ena aliwonse, kupeza mtengo wandalama ndiye ntchito yocheperako yomwe ikuyembekezeka. Ndipo tifunika kupitiliza ntchitoyi mtsogolomo kuti tikope ndalama zokwana $5 thililiyoni zomwe zikufunika kuti zithandizire kuwirikiza kawiri kwa maulendo apandege omwe akuyembekezeka pazaka makumi awiri zikubwerazi.

Ichi ndichifukwa chake nkhani yosiyiranayi - yomwe imayang'ana kwambiri pazachuma chokhazikika pamakampani - ndiyofunikira kwambiri. Chifukwa ngati makampani athu alibe phindu, sitingathe kukwaniritsa zofuna zamtsogolo - ndipo sitidzakwaniritsa zolinga zathu zokhumba zachilengedwe panthawi yomwe tikufuna.

Tikugwira ntchito limodzi ndi mamembala athu kudzera mu Komiti ya Zachuma ya IATA ndi makomiti athu onse amakampani omwe ali pachiwopsezo chofuna kutsimikizira tsogolo la bizinesi yofunikayi poyiyika pazachuma chokhazikika. Mitu inayi ikutsogolera ntchito zathu. Izi ndi:

•Kulamulira mwanzeru
•Kulinganizanso Unyolo Wamtengo Wapatali
•Zatsopano ndi
•Njira Zoyenera

Kuwongolera Mwanzeru

Tiyeni tiyambe ndi Smarter Regulation, yomwe imagwira ntchito zosiyanasiyana kuphatikiza malamulo okhudza chilengedwe, chitetezo cha ogula, kuphunzitsa ndege, mtengo wamafuta ndi zina. Zochita m'maderawa zikukambidwa mozama mu Komiti Yowona Zachuma Yothandizira Makampani Oyendetsa Ndege Kupindula kwa Sustained Financial Health, yomwe inatulutsidwa pambuyo pa Msonkhano wa 2014, koma ndikufuna kuwonetsa ntchito zathu m'madera awiri: Malamulo otetezera ogula komanso mtengo wamafuta.

Tsopano, makampaniwa samatsutsa malamulo omveka bwino, oganiziridwa bwino, opangidwa ndi kutenga nawo mbali kuchokera kwa onse okhudzidwa. Zowonadi, kuwongolera kwapita patsogolo mogwirizana ndi makampani komanso kutengera miyezo yapadziko lonse lapansi ndiye mwala wapangodya wa kupambana kwathu pakupangitsa ndege kukhala zotetezeka.

Koma pankhani ya malamulo oteteza ogula sitikuwona njira ya mgwirizanowu kuchokera ku mayiko ambiri, kapena kudzipereka kuti tigwirizane ndi miyezo yapadziko lonse polemba malamulo. M'malo mwake, tili ndi kuchulukira kwa maulamuliro ovomerezeka, osagwirizana ndi ufulu wonyamula anthu padziko lonse lapansi omwe amabweretsa zovuta pamakampani komanso chisokonezo kwa makasitomala. Kuphatikiza apo, cholinga cha ambiri mwa malamulowa chikuwoneka ngati kuteteza anthu okwera ndege. Izi zimabweretsa malamulo omwe amachepetsa chitetezo cha ogula ndi kusavuta - kudzera pamitengo yokwera, kusankha kochepera, komanso chisokonezo chochulukirapo - komanso omwe amakweza mtengo wamakampani oyendetsa ndege omwe amayenera kutsatira malamulo ambiri osiyanasiyana komanso otsutsana nthawi zambiri.

Pogwira ntchito ndi mamembala athu tayambitsa kampeni yosintha mkangano polimbikitsa kuti anthu azikhala ndi malingaliro oyenera komanso kuwonetsa opanga mfundo kuti kuwongolera mopitilira muyeso sikungapindule. Tinene momveka bwino: oyendetsa ndege, maboma komanso okwera ndege ali ndi cholinga chimodzi chopita kotetezeka, modalirika komanso munthawi yake. Oyendetsa ndege ali kale ndi mfundo zambiri zowonetsetsa kuti okwera akusamalidwa, mwachitsanzo kudzipereka modzifunira kubweza okwera ku Europe. Mamembala a IATA agwirizananso mogwirizana mfundo zazikuluzikulu zoteteza ogula zomwe zikugwirizana ndi International Civil Aviation Organisation (ICAO).

Zitsanzozi, ndi zina, zikuwonetsa kuti makampaniwa amatha kuteteza zofuna za anthu popanda kufunikira kwa malamulo okhwima komanso olanga boma. Tili pano kuti tithandizire uthengawu, koma kuti ukhale wogwira mtima uyenera kuululidwa ndi aliyense woyendetsa ndege.

Kuwongolera mtengo wamafuta ndi chinthu china chofunikira kwambiri kwamakampani oyendetsa ndege. Ngakhale kutsika kwamitengo yamafuta padziko lonse lapansi, mafuta akuyimira gulu lalikulu kwambiri laonyamula ambiri. Mu 2015, tikuyembekeza kuti makampani a ndege azilipira ndalama zokwana $191 biliyoni zamafuta, kapena pafupifupi 28% ya ndalama zonse zoyendetsera ntchito. Ndipo nthawi zambiri, oyendetsa ndege sakuwona phindu lonse la kutsika mtengo chifukwa chosowa mpikisano pakati pa ogulitsa mafuta pabwalo la ndege, ntchito zolemetsa ndi misonkho komanso/kapena chindapusa chamafuta ochulukirapo.

Njira yathu ndi inayi:

•Kuthandizira mwayi wotseguka wa zomangamanga zamafuta a jet ndi misika yampikisano yamafuta a jet pabwalo la ndege ndikuthana ndi chindapusa chopanda chilungamo, ndikuthandizira miyezo ya ICAO yomwe imalepheretsa misonkho pamafuta a jet ogulitsidwa ndege zapadziko lonse lapansi.

•Kulimbikitsa kuwonekera poyera pamitengo yamafuta a jet kuti awonetsetse kuti zinthu zomwe zimakhudza mitengo yamafuta omaliza zikugwirizana ndi mtengo wake.

•Kuwonetsetsa kuti nkhani zodalirika zoperekedwa zimayankhidwa

•Kufuna kulimbikitsa ndondomeko za ndale ndi malamulo zomwe zimalimbikitsa kupanga mafuta a biofuel otsika mtengo komanso kugwirizana ndi opanga mafuta a biofuel kuti akhale njira yabwino kusiyana ndi mafuta wamba wamba.

Kulinganizanso Unyolo Wamtengo Wapatali

Pamene tikuyesetsa kunyengerera owongolera kuti agwirizane ndi Smarter Regulation, tikuyang'ananso kuthana ndi kusalinganika kwa phindu la chain chain. Ngakhale kuti ntchito yabwino yomwe takambirana kale ija, chiwopsezo chazachuma ndi mphotho sizikugawidwa mofanana pamakina oyendetsa ndege. M'malo mwake, ndege zimapeza ndalama zochepa kwambiri pomwe zili pachiwopsezo chachiwiri. M'misika yampikisano osunga ndalama angayembekezere kupeza phindu lalikulu pazachuma ngati akukumana ndi chiwopsezo chachikulu kapena kusakhazikika pakubweza. Zikuoneka kuti ndege ndi zosiyana.

Tonse tili mu izi ndipo timagwirizana pazinthu zambiri, koma pali madera ena omwe ngakhale osewera nawo amatsutsana. Mabwalo a ndege ndi opereka chithandizo chamayendedwe apandege ndi omwe timagwira nawo ntchito kwambiri. Palibe ndege yomwe ingathe kunyamuka kapena kutsika kapena kukwera kapena kutsitsa anthu popanda mgwirizano wawo. Koma ifenso ndife makasitomala ntchito zawo. Mkhalidwe wamakampani ndi wosavuta: Malipiro a Airport ndi ATC ayenera kukhala okwera mtengo, zomwe zikutanthauza kukhazikitsidwa pamilingo yomwe imathandizira ndege kuti zikwaniritse zofunikira zolumikizirana, zomwe zimapereka kubweza koyenera pazachuma, komanso zomwe zimaloleza ndalama zokwanira pazotukuka zamtsogolo ndi mtundu wautumiki. .

Kuphatikiza apo, popeza opereka zomangamanga nthawi zambiri amakhala ndi udindo wolamulira okha, maboma ndi oyang'anira ali ndi gawo lofunikira kuti aziyang'anira zolipiritsa ndi chitukuko cha zomangamanga. Oyendetsa ndege amafunikiranso gawo lokhazikika pakusankha ndalama zazikulu, chifukwa ndi ndege zomwe zimalipira ndalamazo. Makampaniwa akhala akuchita bwino mu 2015 pochepetsa ndalama zokwana $490 miliyoni pabwalo la ndege ndi ATC ndi chindapusa chamafuta ndi misonkho, pomwe 54% yazowonjezera zomwe zapezedwa zapewedwa, kuphatikiza $42 miliyoni pamitengo ya eyapoti.

Timakhalanso ndi maubwenzi abwino kwambiri ndi opanga ndi ogulitsa. Ma airframe, mainjini ndi machitidwe omwe timagwiritsa ntchito ndi zodabwitsa zaukadaulo. Iwonso ndi okwera mtengo kwambiri. Mitengo ya umwini wa ndege imayimira 20 mpaka 25% ya ndalama zonse. Ndege zatsika ndikudzikonza kuti zichepetse ndalama zosafunikira pantchito zawo. Tsoka ilo, mabizinesi ena a OEM amakweza mtengo poletsa kulowa kwatsopano pamsika kuti akonze, kukonza ndi kukonzanso ntchito. Zotsatira zake ndege nthawi zambiri zimakhala ndi njira zina zochepa koma kusaina kukonzanso kwa OEM kwanthawi yayitali ndi mapangano a magawo omwe amakhala ndi kukwera kwamitengo komwe nthawi zambiri kumakhala pamwamba pa kukwera kwa mitengo. IATA ikuyang'ana njira zamalonda, zamalamulo ndi zachuma komwe titha kuthandizira kuyesetsa kubwezeretsa ndalama zomwe zatsala pang'ono kugulitsidwa.

luso

Mutu wachitatu wofunikira kuti ukhale wathanzi lazachuma wandege ndikukhazikitsa mwayi watsopano kudzera muzatsopano. Mwachitsanzo, ndondomeko ya New Distribution Capability (NDC) idzathandiza makampani oyendayenda kuti asinthe momwe malonda a ndege amagulitsidwira popanga ndondomeko yamakono, yochokera pa intaneti yokhudzana ndi mauthenga pakati pa ndege ndi othandizira maulendo. Zotsatira zake, apaulendo apandege adzapindula ndi kuwonekera mokulirapo komanso mwayi wopeza zonse zomwe ndege zimaperekedwa pogula kudzera kwa wothandizira maulendo kapena malo ochezera a pa intaneti, zomwe sizili choncho lero. Ndipo oyendetsa ndege azitha kupitilira kuwonetsetsa kwamitengo komwe kumakhala kogulitsidwa kwambiri komanso madongosolo munjira yaothandizira maulendo, kuti awonetse malonda awo m'njira yowoneka bwino komanso yampikisano.

Chochitika chachikulu chinakwaniritsidwa kumayambiriro kwa Seputembala pomwe mauthenga oyamba a NDC adasindikizidwa, ndi mtundu wachiwiri wothandizira kulumikizidwa komwe kukuyembekezeka chaka chisanafike. Mpaka pano, ndege 18 zalengeza poyera mapulani ogwiritsira ntchito NDC. Ndikukulimbikitsani kuti muthandizire kusintha malonda a ndege potenga nawo mbali poyendetsa ndege ya NDC kapena kukhazikitsa.

IATA yakhazikitsanso NDC Innovation Fund mothandizana ndi Travel Capitalist Ventures. Thumbali lithandizira zatsopano pakugawa ndege poika ndalama m'makampani ang'onoang'ono ndi apakatikati omwe akufuna kupanga mayankho omwe amathandizira ndege ndi othandizira akamapezerapo mwayi pakugawidwa kwamphamvu komwe kumayendetsedwa ndi muyezo wa NDC. Mpaka pano, pempho la ndalama zoposa 50 lalandiridwa.

Pamene makampani oyendayenda akuyandikira kukhazikitsidwa mwaufulu kwa NDC, mipata yatsopano ikubwera kuti ipititse patsogolo luso lazomwe zikuchitika m'madera ena. One Order ndi njira yotsogozedwa ndi makampani yomwe cholinga chake ndikusintha kusungitsa kambiri komanso kosasunthika, kusungitsa matikiti, kutumiza ndi kuwerengera ndalama ndi njira imodzi, yosinthika yowongolera. Ubwino wa One Order muyezo udzakhala wokulirapo:

• Izi zipangitsa kuti anthu apaulendo asavutike chifukwa apaulendo sadzafunikanso kusinthasintha pakati pa manambala amawu ndi zikalata. Zomwe angafune ndi nambala yawo yolozera kuti adziwike mosavuta ndikuperekedwa ndi onse.

•Andege sadzafunikanso kugwiritsa ntchito njira zodula zoyanjanitsa pakati pa ma PNR, ma e-ticket ndi Electronic Miscellaneous Documents. Izi zipangitsa kuti ntchito zamaofesi akumbuyo zikhale zosavuta pazogulitsa zomwe zilipo komanso zamtsogolo. Zithandiziranso kwambiri kuthekera kolumikizana pakati pa ntchito zonse ndi ndege zopanda matikiti.

•Ndipo ogwira ntchito paulendo adzapindula ndi One Order potha kutsatira njira yofananira yosungitsa maulendo apandege ndi zinthu zochokera kundege mosasamala kanthu za bizinesi ya ndegeyo kapena luso laukadaulo, kuwongolera kwambiri ntchito ndi zokolola.

Nkhani ya bizinesi ya One Order ndiyokonzeka ndipo idzaperekedwa ku Board of Governors mu Disembala 2015 kuti ipange chigamulo chomaliza chokhudza kupita patsogolo.

Njira Zogwira Ntchito

Mutu womaliza womwe tikutsatira ndi Njira Zabwino, zomwe zakhala ntchito ya IATA kuyambira pomwe tinapangidwa. Makampaniwa atha kusunga kapena kupeŵa mabiliyoni a madola pamtengo wogwirizana ndi ma e-ticketing, ziphaso zokwerera pa bar-code, Kuyenda Mwachangu, pulogalamu yokweza katundu ndi wolowa m'malo mwake, InBag. Zosungirako zofananirazi zikuyembekezeredwa kudzera pakusintha kupita ku katundu wopanda mapepala kudzera mu njira ya e-freight - kotero chonde thandizirani kuti izi zitheke potengera e-Air Waybill.

Kukulitsa masomphenya a kuthetsa zinyalala ndi kusagwira ntchito bwino kwa njira za ndege ndi ntchito yopangira ntchito zaukadaulo za ndege kukhala zopanda mapepala. Izi zidzafunika kuyesetsa kogwirizana ndi onse omwe akukhudzidwa nawo kuphatikiza ma OEM, owongolera, obwereketsa ndege ndi opereka ndalama kuti akhazikitse mbiri yamagetsi yotere ndikuwonetsetsa kuti ndi yotetezeka komanso yosasokoneza. Ndi ntchito yosangalatsa kwambiri yomwe ingathe kupanga phindu lalikulu muzochita zathu zamakono.

Zoonadi, chopereka chachikulu kwambiri pazachuma cha ndege ndi kupereka njira zotetezeka, zotetezeka, zogwira ntchito zoyendetsera ndalama pakati pa magawo osiyanasiyana a mtengo wamtengo wapatali. Mu 2014, IATA Settlement Systems (ISS) idakhazikitsa $388.1 biliyoni m'ndalama zamakampani ndi chiwongola dzanja chomwe sichinapezeke pakugulitsa kwakukulu kapena pansi pa 0.059% ndi chiwongola dzanja chanthawi yake pa 99.987%.

Komabe, malamulo a ISS adakhazikitsidwa zaka makumi angapo zapitazo pogwiritsa ntchito njira imodzi yokha yomwe siimakhudza zosowa zosiyanasiyana ndi zovuta komanso zoopsa za ndege ndi maulendo apaulendo masiku ano. New Generation of ISS ikufuna kusintha mtundu wabizinesi wapano popereka kasamalidwe ka ndalama mwachangu, chitetezo chowonjezereka, kutsika mtengo komanso njira zatsopano zolipirira posankha mitundu yovomerezeka ya wothandizira. Ndi pulogalamu yazaka zambiri yomwe idzawonetsetse kuti ISS ili yoyenera pacholinga komanso kupindulitsa mabungwe a ndege ndi othandizira pazaka 70 zikubwerazi za IATA.

Kutsiliza

Ndikupepesa kuti ndondomeko yodzaza kwambiri sikundilola kuti ndithane ndi madera ena ambiri omwe tikuthandizira mamembala athu pazofunikira zawo kuti azichita bwino. Koma ndikudziwa kuti izi zidzayankhidwa m'magawo akubwera. Ndikufuna kukusiyirani lingaliro limodzi, lomwe ndi lakuti sitingathe kupita patsogolo bwino pa ndondomekoyi yokhumba zaumoyo popanda kuvomereza ndi kuthandizidwa mwamphamvu kwa mamembala athu.

Pazifukwa izi, ndikukulimbikitsani kuti mugwiritse ntchito nthawi yanu pano kuti muthandizire kusankha zoyambira ndi zolinga, ndikupanga mgwirizano / migwirizano kuti mukwaniritse. Timafunikiranso thandizo ndi mgwirizano kuchokera kwa omwe timagwira nawo ntchito zoyendetsa ndege komanso kuchokera ku maboma ndi olamulira omwe amayang'anira ntchito zathu-nthawi zina modabwitsa! Ndipo kuwanyengerera sikophweka nthawi zonse.

Udindo wa CFO ndi wofunikira pakuchita zonsezi. Ngati ntchito yamakono ya CFO ikulangiza CEO za ubwino, ndi kukhazikika kwachuma kwa njira zawo zandege - ndiye kuti tikuwona phindu mu gawo lofanana ndi Komiti ya Financial Committee, CFO Summit ndi magulu ogwira ntchito atsopano.

Chifukwa chake mwachidule, chonde tithandizeni kukuthandizani kuti mukhale ndi thanzi labwino lazachuma. Potero, tonse tidzakhala Tikuuluka Bwino. Pamodzi.

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