Forwarded from Breakfast with Tiffany
The six largest US banks shed 15,000 jobs in Q1 2026 while posting $47 billion in profits, with CEOs crediting AI for headcount reductions; JPMorgan, Citi, Goldman Sachs, Bank of America, and Wells Fargo are now disclosing specific AI productivity metrics in earnings calls, marking the quarter where AI-driven workforce reduction moved from speculation to audited financial data.
The six largest American banks shed 15,000 employees in the first quarter of 2026 while posting 47 billion dollars in collective profits, up 18 per cent year on year. The chief executives are no longer hedging. Jamie Dimon said artificial intelligence will eliminate jobs and that people should stop sticking their heads in the sand. Wells Fargoโs Charlie Scharf said anyone who claims AI will not reduce headcount either does not know what they are talking about or is not being totally honest. Goldman Sachs circulated an internal memo warning of job cuts and a hiring freeze under a programme called OneGS 3.0. Citigroupโs headcount fell by 2,000 in a single quarter. Bank of Americaโs Brian Moynihan credited AI directly for workforce reductions four months after telling employees they did not have to worry.
The hedging is over. The earnings calls are the data.
The numbers
JPMorgan Chase is spending 19.8 billion dollars on technology in 2026, up two billion from the previous year. The bank reports that productivity in divisions using AI has risen to approximately 6 per cent, double the rate before deployment. Operations roles have been trimmed by 4 per cent and support functions by 2 per cent, while positions tied to client engagement and revenue generation rose 4 per cent. Dimon described it as a huge redeployment. The bankโs headcount has held roughly steady at 318,500, but the composition has shifted. The humans who process are being replaced by the humans who sell.
Bank of Americaโs AI assistant Erica now saves the equivalent of 11,000 full-time positions. Nearly 90 per cent of the bankโs 213,000 employees use the Erica for Employees internal tool. The bank has also used AI to remove 30 per cent of the labour from its coding process, a saving Moynihan quantified as 2,000 engineering positions. Quarterly profit reached 8.6 billion dollars, 1.6 billion ahead of the previous year, and the bank explicitly attributed part of the gain to headcount reduction and automation.
Citigroup is executing the most aggressive restructuring of the group. The bank plans to cut roughly 20,000 positions by the end of 2026, approximately 8 per cent of its global workforce. When the Banamex retail banking business in Mexico is listed separately, total headcount will fall by approximately 60,000 to around 180,000. CEO Jane Fraser told staff in a January memo that the bank is not graded on effort and that AI and automation would allow it to run middle-office and operational functions with fewer people. Citiโs AI tools now reach 182,000 employees across 84 countries, with adoption exceeding 70 per cent.
Goldman Sachs launched OneGS 3.0 in late 2025, an AI-driven overhaul of its cross-bank operations programme. The initiative targets sales, client onboarding, lending, regulatory reporting, and vendor management for AI deployment. Annual staffing cuts have been moved to the second quarter, targeting a 3 to 5 per cent reduction. CEO David Solomon has predicted that Goldman will have more employees, not fewer, in the long term, but the internal memo contradicts the conference rhetoric. In the near term, there will be fewer.
Wells Fargo has shrunk from 275,000 employees when Scharf joined in 2019 to just over 210,000 by late 2025. AI-powered code generation tools have made engineering teams 30 to 35 per cent more efficient. The bank has not reduced the number of coders, Scharf said, but is getting substantially more output from the same headcount. Internal budgets already assume a smaller workforce for 2026.
The six largest American banks shed 15,000 employees in the first quarter of 2026 while posting 47 billion dollars in collective profits, up 18 per cent year on year. The chief executives are no longer hedging. Jamie Dimon said artificial intelligence will eliminate jobs and that people should stop sticking their heads in the sand. Wells Fargoโs Charlie Scharf said anyone who claims AI will not reduce headcount either does not know what they are talking about or is not being totally honest. Goldman Sachs circulated an internal memo warning of job cuts and a hiring freeze under a programme called OneGS 3.0. Citigroupโs headcount fell by 2,000 in a single quarter. Bank of Americaโs Brian Moynihan credited AI directly for workforce reductions four months after telling employees they did not have to worry.
The hedging is over. The earnings calls are the data.
The numbers
JPMorgan Chase is spending 19.8 billion dollars on technology in 2026, up two billion from the previous year. The bank reports that productivity in divisions using AI has risen to approximately 6 per cent, double the rate before deployment. Operations roles have been trimmed by 4 per cent and support functions by 2 per cent, while positions tied to client engagement and revenue generation rose 4 per cent. Dimon described it as a huge redeployment. The bankโs headcount has held roughly steady at 318,500, but the composition has shifted. The humans who process are being replaced by the humans who sell.
Bank of Americaโs AI assistant Erica now saves the equivalent of 11,000 full-time positions. Nearly 90 per cent of the bankโs 213,000 employees use the Erica for Employees internal tool. The bank has also used AI to remove 30 per cent of the labour from its coding process, a saving Moynihan quantified as 2,000 engineering positions. Quarterly profit reached 8.6 billion dollars, 1.6 billion ahead of the previous year, and the bank explicitly attributed part of the gain to headcount reduction and automation.
Citigroup is executing the most aggressive restructuring of the group. The bank plans to cut roughly 20,000 positions by the end of 2026, approximately 8 per cent of its global workforce. When the Banamex retail banking business in Mexico is listed separately, total headcount will fall by approximately 60,000 to around 180,000. CEO Jane Fraser told staff in a January memo that the bank is not graded on effort and that AI and automation would allow it to run middle-office and operational functions with fewer people. Citiโs AI tools now reach 182,000 employees across 84 countries, with adoption exceeding 70 per cent.
Goldman Sachs launched OneGS 3.0 in late 2025, an AI-driven overhaul of its cross-bank operations programme. The initiative targets sales, client onboarding, lending, regulatory reporting, and vendor management for AI deployment. Annual staffing cuts have been moved to the second quarter, targeting a 3 to 5 per cent reduction. CEO David Solomon has predicted that Goldman will have more employees, not fewer, in the long term, but the internal memo contradicts the conference rhetoric. In the near term, there will be fewer.
Wells Fargo has shrunk from 275,000 employees when Scharf joined in 2019 to just over 210,000 by late 2025. AI-powered code generation tools have made engineering teams 30 to 35 per cent more efficient. The bank has not reduced the number of coders, Scharf said, but is getting substantially more output from the same headcount. Internal budgets already assume a smaller workforce for 2026.
Forwarded from ใใใฆใใ
Breakfast with Tiffany
The six largest US banks shed 15,000 jobs in Q1 2026 while posting $47 billion in profits, with CEOs crediting AI for headcount reductions; JPMorgan, Citi, Goldman Sachs, Bank of America, and Wells Fargo are now disclosing specific AI productivity metricsโฆ
็ฑณๅฝใฎๅคงๆ้่ก6่กใฏ2026ๅนด็ฌฌ1ๅๅๆใซ1ไธ5000ไบบใฎไบบๅกๅๆธใๅฎๆฝใใ470ๅใใซใฎๅฉ็ใ่จไธใใใCEOใใฏไบบๅกๅๆธใฎ่ฆๅ ใจใใฆAIใๆใใฆใใใJPใขใซใฌใณใใทใใฃใฐใซใผใใใดใผใซใใใณใปใตใใฏในใใใณใฏใปใชใใปใขใกใชใซใใฆใงใซใบใปใใกใผใดใฏใๆฑบ็ฎ่ชฌๆไผใงAIใซใใ็็ฃๆงใซ้ขใใๅ
ทไฝ็ใชๆๆจใๅ
ฌ่กจใๅงใใฆใใใAIใซใใไบบๅกๅๆธใๆถๆธฌใใ็ฃๆปๆธใฟใฎ่ฒกๅใใผใฟใธใจ็งป่กใใๅๅๆใจใชใฃใใ
็ฑณๅฝใฎๅคงๆ้่ก6่กใฏ2026ๅนด็ฌฌ1ๅๅๆใซ1ไธ5000ไบบใฎๅพๆฅญๅกใๅๆธใใๅๅนดๅๆๆฏ18%ๅขใจใชใ470ๅใใซใฎๅฉ็ใ่จไธใใใCEOใใฏใใฏใ่จใ้ใใใใฆใใชใใใธใงใคใใผใปใใคใขใณCEOใฏใไบบๅทฅ็ฅ่ฝใฏ้็จใๅฅชใใ ใใใจ่ฟฐในใไบบใ ใฏ็พๅฎใใ็ฎใ่ใใใฎใใใใในใใ ใจ่ชใฃใใใฆใงใซใบใปใใกใผใดใฎใใฃใผใชใผใปใทใฃใผใCEOใฏใAIใไบบๅกๅๆธใซใคใชใใใชใใจไธปๅผตใใ่ ใฏใไฝใๅใใฃใฆใใชใใใใใใใฏๆญฃ็ดใงใฏใชใใใฎใฉใกใใใ ใจ่ฟฐในใใใดใผใซใใใณใปใตใใฏในใฏใOneGS 3.0ใจๅผใฐใใใใญใฐใฉใ ใฎไธใไบบๅกๅๆธใจๆฐ่ฆๆก็จๅ็ตใ่ญฆๅใใ็คพๅ ใกใขใๅ่ฆงใใใใทใใฃใฐใซใผใใฏใใใใ1ๅๅๆใงๅพๆฅญๅกๆฐใ2,000ไบบๅๆธใใใใใณใฏใปใชใใปใขใกใชใซใฎใใฉใคใขใณใปใขใคใใใณCEOใฏใๅพๆฅญๅกใซๅฟ้ ใใๅฟ ่ฆใฏใชใใจไผใใฆใใ4ใๆๅพใไบบๅกๅๆธใฎ็ดๆฅ็ใชๅๅ ใจใใฆAIใๆใใใ
ใใฏใใชในใฏๅ้ฟใฏ้็จใใชใใๆฑบ็ฎ็บ่กจใใใใใผใฟใ ใ
ๆฐๅญใง่ฆใใจใใ
JPใขใซใฌใณใปใใงใผในใฏใ2026ๅนดใซใใฏใใญใธใผใซ198ๅใใซใๆ่ณใใไบๅฎใงใใใใฏๅๅนดๆฏ20ๅใใซใฎๅขๅ ใจใชใใๅ่กใฎๅ ฑๅใซใใใจใAIใๆดป็จใใฆใใ้จ้ใฎ็็ฃๆงใฏ็ด6%ๅไธใใๅฐๅ ฅๅใฎ2ๅใจใชใฃใฆใใใใชใใฌใผใทใงใณ้จ้ใฎไบบๅกใฏ4%ใใตใใผใ้จ้ใฏ2%ๅๆธใใใไธๆนใ้กงๅฎขๅฏพๅฟใๅ็ๅตๅบใซ้ขใใไบบๅกใฏ4%ๅขๅ ใใใใใคใขใณCEOใฏใใใๅคง่ฆๆจกใชไบบๅกๅ้ ็ฝฎใจ่กจ็พใใใๅ่กใฎๅพๆฅญๅกๆฐใฏ็ด31ไธ8,500ไบบใงใปใผๆจชใฐใใ ใใใใฎๆงๆใฏๅคๅใใฆใใใๅฆ็ๆฅญๅใๆ ๅฝใใไบบ้ใฏใ่ฒฉๅฃฒๆฅญๅใๆ ๅฝใใไบบ้ใซ็ฝฎใๆใใใใคใคใใใพใใ
ใใณใฏใปใชใใปใขใกใชใซใฎAIใขใทในใฟใณใใใจใชใซใใฏใ็พๅจใใใซใฟใคใ ๆ็ฎใง1ไธ1000ไบบๅใฎไบบๅกๅๆธใๅฎ็พใใฆใใพใใๅ่กใฎๅพๆฅญๅก21ไธ3000ไบบใฎใใกใ็ด90%ใ็คพๅ ใใผใซใใจใชใซใปใใฉใผใปใจใณใใญใคใผใบใใๅฉ็จใใฆใใพใใใพใใๅ่กใฏAIใๆดป็จใใฆใณใผใใฃใณใฐไฝๆฅญใฎ30%ใๅๆธใใฆใใใใขใคใใใณCEOใฏใใฎๅๆธ้กใใจใณใธใใข2000ไบบๅใซ็ธๅฝใใใจ็ฎๅบใใฆใใพใใๅๅๆๅฉ็ใฏ86ๅใใซใซ้ใใๅๅนดๅๆๆฏ16ๅใใซๅขใจใชใใพใใใๅ่กใฏใใฎๅข็ใฎไธ้จใไบบๅกๅๆธใจ่ชๅๅใซใใใใฎใ ใจๆ่จใใฆใใพใใ
ใทใใฃใฐใซใผใใฏใใฐใซใผใๅ ใงๆใ็ฉๆฅต็ใชใชในใใฉใ้ฒใใฆใใพใใๅ่กใฏ2026ๅนดๆซใพใงใซ็ด2ไธไบบใฎไบบๅกๅๆธใ่จ็ปใใฆใใใใใใฏๅ จไธ็ใฎๅพๆฅญๅกใฎ็ด8%ใซ็ธๅฝใใพใใใกใญใทใณใฎใใใกใใฏในใฎๅไบบๅใ้่กๆฅญๅใๅฅใ ใซไธๅ ดใใใใจใๅพๆฅญๅก็ทๆฐใฏ็ด6ไธไบบๆธๅฐใใ็ด18ไธไบบใซใชใ่ฆ่พผใฟใงใใใธใงใผใณใปใใฌใคใถใผCEOใฏ1ๆใฎ็คพๅ ใกใขใงใๅ่กใฏๅชๅใง่ฉไพกใใใใฎใงใฏใชใใAIใจ่ชๅๅใซใใฃใฆใใใซใชใใฃในๆฅญๅใจใชใใฌใผใทใงใณๆฉ่ฝใใใๅฐใชใไบบๅกใง้ๅถใงใใใจ่ฟฐในใฆใใพใใใทใใฃใฐใซใผใใฎAIใใผใซใฏ็พๅจใ84ใๅฝใ18ไธ2000ไบบใฎๅพๆฅญๅกใซๅฉ็จใใใฆใใใๅฐๅ ฅ็ใฏ70%ใ่ถ ใใฆใใพใใ
ใดใผใซใใใณใปใตใใฏในใฏ2025ๅนดๅพๅใซใ้่กๅ จไฝใฎๆฅญๅใใญใฐใฉใ ใAIใงๅทๆฐใใใOneGS 3.0ใใ็บ่กจใใพใใใใใฎๅใ็ตใฟใฏใๅถๆฅญใ้กงๅฎขใชใณใใผใใฃใณใฐใ่่ณใ่ฆๅถๅ ฑๅใใใณใใผ็ฎก็ใจใใฃใๅ้ใซใใใAIๅฐๅ ฅใๅฏพ่ฑกใจใใฆใใพใใๅนด้ใฎไบบๅกๅๆธใฏ็ฌฌ2ๅๅๆใซๅๅใใใใ3๏ฝ5%ใฎๅๆธใ็ฎๆใใฆใใพใใใใใใใปใฝใญใขใณCEOใฏใใดใผใซใใใณใปใตใใฏในใฎๅพๆฅญๅกๆฐใฏ้ทๆ็ใซใฏๆธๅฐใใใฎใงใฏใชใๅขๅ ใใใจไบๆธฌใใฆใใพใใใ็คพๅ ใกใขใฎๅ ๅฎนใฏใซใณใใกใฌใณในใงใฎ็บ่จใจ็็พใใฆใใพใใ็ญๆ็ใซใฏใๅพๆฅญๅกๆฐใฏๆธๅฐใใใงใใใใใฆใงใซใบใปใใกใผใดใฏใใทใฃใผใๆฐใ2019ๅนดใซๅ ฅ็คพใใๆ็นใงใฏๅพๆฅญๅกๆฐใ27ไธ5000ไบบใ ใฃใใใ2025ๅนดๆซใพใงใซ21ไธไบบๅผทใซใพใงๆธๅฐใใ่ฆ่พผใฟใ ใAIใๆดป็จใใใณใผใ็ๆใใผใซใซใใฃใฆใใจใณใธใใขใชใณใฐใใผใ ใฎๅน็ใฏ30๏ฝ35%ๅไธใใใใทใฃใผใๆฐใซใใใฐใๅ่กใฏใใญใฐใฉใใผใฎๆฐใๆธใใใใใใงใฏใชใใใๅใไบบๅกใงๅคงๅน ใช็็ฃๆงๅไธใๅฎ็พใใฆใใใ็คพๅ ไบ็ฎใงใฏใ2026ๅนดใฎๅพๆฅญๅกๆฐๅๆธใๆขใซๆณๅฎใใใฆใใใ
็ฑณๅฝใฎๅคงๆ้่ก6่กใฏ2026ๅนด็ฌฌ1ๅๅๆใซ1ไธ5000ไบบใฎๅพๆฅญๅกใๅๆธใใๅๅนดๅๆๆฏ18%ๅขใจใชใ470ๅใใซใฎๅฉ็ใ่จไธใใใCEOใใฏใใฏใ่จใ้ใใใใฆใใชใใใธใงใคใใผใปใใคใขใณCEOใฏใไบบๅทฅ็ฅ่ฝใฏ้็จใๅฅชใใ ใใใจ่ฟฐในใไบบใ ใฏ็พๅฎใใ็ฎใ่ใใใฎใใใใในใใ ใจ่ชใฃใใใฆใงใซใบใปใใกใผใดใฎใใฃใผใชใผใปใทใฃใผใCEOใฏใAIใไบบๅกๅๆธใซใคใชใใใชใใจไธปๅผตใใ่ ใฏใไฝใๅใใฃใฆใใชใใใใใใใฏๆญฃ็ดใงใฏใชใใใฎใฉใกใใใ ใจ่ฟฐในใใใดใผใซใใใณใปใตใใฏในใฏใOneGS 3.0ใจๅผใฐใใใใญใฐใฉใ ใฎไธใไบบๅกๅๆธใจๆฐ่ฆๆก็จๅ็ตใ่ญฆๅใใ็คพๅ ใกใขใๅ่ฆงใใใใทใใฃใฐใซใผใใฏใใใใ1ๅๅๆใงๅพๆฅญๅกๆฐใ2,000ไบบๅๆธใใใใใณใฏใปใชใใปใขใกใชใซใฎใใฉใคใขใณใปใขใคใใใณCEOใฏใๅพๆฅญๅกใซๅฟ้ ใใๅฟ ่ฆใฏใชใใจไผใใฆใใ4ใๆๅพใไบบๅกๅๆธใฎ็ดๆฅ็ใชๅๅ ใจใใฆAIใๆใใใ
ใใฏใใชในใฏๅ้ฟใฏ้็จใใชใใๆฑบ็ฎ็บ่กจใใใใใผใฟใ ใ
ๆฐๅญใง่ฆใใจใใ
JPใขใซใฌใณใปใใงใผในใฏใ2026ๅนดใซใใฏใใญใธใผใซ198ๅใใซใๆ่ณใใไบๅฎใงใใใใฏๅๅนดๆฏ20ๅใใซใฎๅขๅ ใจใชใใๅ่กใฎๅ ฑๅใซใใใจใAIใๆดป็จใใฆใใ้จ้ใฎ็็ฃๆงใฏ็ด6%ๅไธใใๅฐๅ ฅๅใฎ2ๅใจใชใฃใฆใใใใชใใฌใผใทใงใณ้จ้ใฎไบบๅกใฏ4%ใใตใใผใ้จ้ใฏ2%ๅๆธใใใไธๆนใ้กงๅฎขๅฏพๅฟใๅ็ๅตๅบใซ้ขใใไบบๅกใฏ4%ๅขๅ ใใใใใคใขใณCEOใฏใใใๅคง่ฆๆจกใชไบบๅกๅ้ ็ฝฎใจ่กจ็พใใใๅ่กใฎๅพๆฅญๅกๆฐใฏ็ด31ไธ8,500ไบบใงใปใผๆจชใฐใใ ใใใใฎๆงๆใฏๅคๅใใฆใใใๅฆ็ๆฅญๅใๆ ๅฝใใไบบ้ใฏใ่ฒฉๅฃฒๆฅญๅใๆ ๅฝใใไบบ้ใซ็ฝฎใๆใใใใคใคใใใพใใ
ใใณใฏใปใชใใปใขใกใชใซใฎAIใขใทในใฟใณใใใจใชใซใใฏใ็พๅจใใใซใฟใคใ ๆ็ฎใง1ไธ1000ไบบๅใฎไบบๅกๅๆธใๅฎ็พใใฆใใพใใๅ่กใฎๅพๆฅญๅก21ไธ3000ไบบใฎใใกใ็ด90%ใ็คพๅ ใใผใซใใจใชใซใปใใฉใผใปใจใณใใญใคใผใบใใๅฉ็จใใฆใใพใใใพใใๅ่กใฏAIใๆดป็จใใฆใณใผใใฃใณใฐไฝๆฅญใฎ30%ใๅๆธใใฆใใใใขใคใใใณCEOใฏใใฎๅๆธ้กใใจใณใธใใข2000ไบบๅใซ็ธๅฝใใใจ็ฎๅบใใฆใใพใใๅๅๆๅฉ็ใฏ86ๅใใซใซ้ใใๅๅนดๅๆๆฏ16ๅใใซๅขใจใชใใพใใใๅ่กใฏใใฎๅข็ใฎไธ้จใไบบๅกๅๆธใจ่ชๅๅใซใใใใฎใ ใจๆ่จใใฆใใพใใ
ใทใใฃใฐใซใผใใฏใใฐใซใผใๅ ใงๆใ็ฉๆฅต็ใชใชในใใฉใ้ฒใใฆใใพใใๅ่กใฏ2026ๅนดๆซใพใงใซ็ด2ไธไบบใฎไบบๅกๅๆธใ่จ็ปใใฆใใใใใใฏๅ จไธ็ใฎๅพๆฅญๅกใฎ็ด8%ใซ็ธๅฝใใพใใใกใญใทใณใฎใใใกใใฏในใฎๅไบบๅใ้่กๆฅญๅใๅฅใ ใซไธๅ ดใใใใจใๅพๆฅญๅก็ทๆฐใฏ็ด6ไธไบบๆธๅฐใใ็ด18ไธไบบใซใชใ่ฆ่พผใฟใงใใใธใงใผใณใปใใฌใคใถใผCEOใฏ1ๆใฎ็คพๅ ใกใขใงใๅ่กใฏๅชๅใง่ฉไพกใใใใฎใงใฏใชใใAIใจ่ชๅๅใซใใฃใฆใใใซใชใใฃในๆฅญๅใจใชใใฌใผใทใงใณๆฉ่ฝใใใๅฐใชใไบบๅกใง้ๅถใงใใใจ่ฟฐในใฆใใพใใใทใใฃใฐใซใผใใฎAIใใผใซใฏ็พๅจใ84ใๅฝใ18ไธ2000ไบบใฎๅพๆฅญๅกใซๅฉ็จใใใฆใใใๅฐๅ ฅ็ใฏ70%ใ่ถ ใใฆใใพใใ
ใดใผใซใใใณใปใตใใฏในใฏ2025ๅนดๅพๅใซใ้่กๅ จไฝใฎๆฅญๅใใญใฐใฉใ ใAIใงๅทๆฐใใใOneGS 3.0ใใ็บ่กจใใพใใใใใฎๅใ็ตใฟใฏใๅถๆฅญใ้กงๅฎขใชใณใใผใใฃใณใฐใ่่ณใ่ฆๅถๅ ฑๅใใใณใใผ็ฎก็ใจใใฃใๅ้ใซใใใAIๅฐๅ ฅใๅฏพ่ฑกใจใใฆใใพใใๅนด้ใฎไบบๅกๅๆธใฏ็ฌฌ2ๅๅๆใซๅๅใใใใ3๏ฝ5%ใฎๅๆธใ็ฎๆใใฆใใพใใใใใใใปใฝใญใขใณCEOใฏใใดใผใซใใใณใปใตใใฏในใฎๅพๆฅญๅกๆฐใฏ้ทๆ็ใซใฏๆธๅฐใใใฎใงใฏใชใๅขๅ ใใใจไบๆธฌใใฆใใพใใใ็คพๅ ใกใขใฎๅ ๅฎนใฏใซใณใใกใฌใณในใงใฎ็บ่จใจ็็พใใฆใใพใใ็ญๆ็ใซใฏใๅพๆฅญๅกๆฐใฏๆธๅฐใใใงใใใใใฆใงใซใบใปใใกใผใดใฏใใทใฃใผใๆฐใ2019ๅนดใซๅ ฅ็คพใใๆ็นใงใฏๅพๆฅญๅกๆฐใ27ไธ5000ไบบใ ใฃใใใ2025ๅนดๆซใพใงใซ21ไธไบบๅผทใซใพใงๆธๅฐใใ่ฆ่พผใฟใ ใAIใๆดป็จใใใณใผใ็ๆใใผใซใซใใฃใฆใใจใณใธใใขใชใณใฐใใผใ ใฎๅน็ใฏ30๏ฝ35%ๅไธใใใใทใฃใผใๆฐใซใใใฐใๅ่กใฏใใญใฐใฉใใผใฎๆฐใๆธใใใใใใงใฏใชใใใๅใไบบๅกใงๅคงๅน ใช็็ฃๆงๅไธใๅฎ็พใใฆใใใ็คพๅ ไบ็ฎใงใฏใ2026ๅนดใฎๅพๆฅญๅกๆฐๅๆธใๆขใซๆณๅฎใใใฆใใใ
Forwarded from Wolverine ๐ฆ๐บ ๐ฆ๐บ
Hi guys
It was a fantastic call today with Mauricio itโs a pity not everything came through.
Peter is going to do everything possible to get it translated.
There were so some comments saying that Mauricio is a paymaster and that I have said that many times which is 10000% false . Please be careful with these people that give out misinformation, do your research please .
I did ask Mauricio early this week if we are close and he said yes as he came out of a meeting with treasury and itโs all looking very good .
Thank you for all the support guys . Donโt ever lose faith and never give up.
God bless
Wolverine
It was a fantastic call today with Mauricio itโs a pity not everything came through.
Peter is going to do everything possible to get it translated.
There were so some comments saying that Mauricio is a paymaster and that I have said that many times which is 10000% false . Please be careful with these people that give out misinformation, do your research please .
I did ask Mauricio early this week if we are close and he said yes as he came out of a meeting with treasury and itโs all looking very good .
Thank you for all the support guys . Donโt ever lose faith and never give up.
God bless
Wolverine
Forwarded from ใใใฆใใ
๐๐ช๐ฉ๐ฉ๐๐ง ๐๐ฃ ๐๐๐๐ง๐๐ฉ ๐พ๐
Hi guys It was a fantastic call today with Mauricio itโs a pity not everything came through. Peter is going to do everything possible to get it translated. There were so some comments saying that Mauricio is a paymaster and that I have said that many timesโฆ
็ใใใใใซใกใฏใ
ไปๆฅใใใฆใชใทใชใจ็ด ๆดใใใ้่ฉฑใใใพใใใใในใฆใใใพใใใใชใใฃใใฎใฏๆฎๅฟตใงใใใ
ใใผใฟใผใฏ็ฟป่จณใใใใใใซใงใใ้ใใฎใใจใใใใงใใใใ
ใใฆใชใทใชใฏ็ตฆไธ็ฎก็่ ใ ใจใใใณใกใณใใใใใพใใใใใใใฏ10000%้้ใฃใฆใใพใใใใฎใใใช่ชคใฃใๆ ๅ ฑใ็บไฟกใใไบบใซใฏๆณจๆใใฆใใ ใใใใฉใใ่ชฟๆปใใ้กใใใพใใ
ไป้ฑๅใใซ็งใฏใใฆใชใทใชใซใๆใ ใฏ่ฟใใใฉใใ่ใใพใใใใใใฆๅฝผใฏใ่ฒกๅ็ใจใฎไผ่ญฐใใๅบใฆใใใจใใใงใใในใฆใ้ๅธธใซ้ ่ชฟใ ใจ็ญใใพใใใ
็ใใใๅ จใฆใฎๆฏๆดใซๆ่ฌใใพใใๆฑบใใฆไฟกๅฟตใๅคฑใใชใใงใๆฑบใใฆใใใใใชใใงใใ ใใใ
็ฅใฎใๅ ่ญทใใใใพใใใใซ
ใฆใซใดใกใชใณ
ไปๆฅใใใฆใชใทใชใจ็ด ๆดใใใ้่ฉฑใใใพใใใใในใฆใใใพใใใใชใใฃใใฎใฏๆฎๅฟตใงใใใ
ใใผใฟใผใฏ็ฟป่จณใใใใใใซใงใใ้ใใฎใใจใใใใงใใใใ
ใใฆใชใทใชใฏ็ตฆไธ็ฎก็่ ใ ใจใใใณใกใณใใใใใพใใใใใใใฏ10000%้้ใฃใฆใใพใใใใฎใใใช่ชคใฃใๆ ๅ ฑใ็บไฟกใใไบบใซใฏๆณจๆใใฆใใ ใใใใฉใใ่ชฟๆปใใ้กใใใพใใ
ไป้ฑๅใใซ็งใฏใใฆใชใทใชใซใๆใ ใฏ่ฟใใใฉใใ่ใใพใใใใใใฆๅฝผใฏใ่ฒกๅ็ใจใฎไผ่ญฐใใๅบใฆใใใจใใใงใใในใฆใ้ๅธธใซ้ ่ชฟใ ใจ็ญใใพใใใ
็ใใใๅ จใฆใฎๆฏๆดใซๆ่ฌใใพใใๆฑบใใฆไฟกๅฟตใๅคฑใใชใใงใๆฑบใใฆใใใใใชใใงใใ ใใใ
็ฅใฎใๅ ่ญทใใใใพใใใใซ
ใฆใซใดใกใชใณ
Forwarded from ใใใฆใใ
๐๐ช๐ฉ๐ฉ๐๐ง ๐๐ฃ ๐๐๐๐ง๐๐ฉ ๐พ๐
Voice message
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YouTubeใฎใณใกใณใๆฌใใใใคใ่ชญใใงใใพใใใ
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ไบบ้กใฎใใใซไฝใใใใใใจใใฆใใไบบใใกใซใใฒใฉใใใจใใใใใ่จใฃใฆใใใฎใฏๆฎๅฟตใงใใ
ใใใฆใFBIใๅฎ้ใซใใฎ็ถๆณใ็ฃ่ฆใใฆใใใใจใใไผใใใฆใใใพใใ
ๅฎใฏใ็งใ็ฅใฃใฆใใใกใณใใผใฎไธญใซใไปฅๅFBIใงๅใใฆใใไบบใใใพใใ
ๅฝผใใฏ่ชๅใ่ชฐใชใฎใๅใใฃใฆใใพใใ็ฃ่ฆใใใฆใใใใงใใ็นใซใ็งใใใ็ฅใใชใใใไบบ็ฉใ็ฃ่ฆใใใฆใใพใใ
ใงใใใใ่ฏใ็ฅใใใๅฑใใใจใๆๅพ ใใฆใใพใใ
ๅฝผใใ้ฎๆใใใใใจใ้กใฃใฆใใพใใๆฌๅฝใซใใ้กใฃใฆใใพใใใใใฆใๅฝผใใไฝใๅใๅใใใๅป็ใใใใซใขใฏใปในใงใใชใใใจใ้กใฃใฆใใพใใใใใฏๆๅใใ
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็งใใกใฏใใ่ฏใไธ็ใใคใพใใใฒใฉใไธ็ใงใฏใชใใใใ่ฏใไธ็ใธใจๅคใใใใจใใฆใใพใใ
็งใใกใๅๆญใใใใจใใไธ็ใงใฏใชใใใใใงใใใ๏ผ
ใใใฆใใใใใฎไบบใ ใใ
ๅฐๅ็คพไผใซใใใปใฉๅคใใฎๅฎณใๅใผใใฆใใใซใใใใใใใ
ใ้ใๅใๅใใใจใใงใใ
็งใใกใจๅใใใใซ็ๆดปใงใใใชใใฆใใใพใใซใๆฎ้ ทใงใใ
ๅฝผใใใใใชใใชใใใใ็ฅใซ็ฅใฃใฆใใพใใ
ใใ ใFBIใใใใใฎไบบใ ใ็ฃ่ฆใใฆใใใจ่ใใฆใใพใใ
ไปใฎ่ญฆๅฏๆฉ้ขใฎไบบใ ใๅๆงใงใใ
ๅใใใพใใใ
ใงใใใใๅฝผใใใใใซ้ฎๆใใใใจใใ่ฏใ็ฅใใใๅฑใใใ็ฅใฃใฆใใ ใใใ
ๅใใใพใใใ
็ใใใใๅ ๆฐใงใ่ฏใไธๆฅใใ้ใใใใ ใใใ
ใใใใชใใ
YouTubeใฎใณใกใณใๆฌใใใใคใ่ชญใใงใใพใใใ
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ไบบ้กใฎใใใซไฝใใใใใใจใใฆใใไบบใใกใซใใฒใฉใใใจใใใใใ่จใฃใฆใใใฎใฏๆฎๅฟตใงใใ
ใใใฆใFBIใๅฎ้ใซใใฎ็ถๆณใ็ฃ่ฆใใฆใใใใจใใไผใใใฆใใใพใใ
ๅฎใฏใ็งใ็ฅใฃใฆใใใกใณใใผใฎไธญใซใไปฅๅFBIใงๅใใฆใใไบบใใใพใใ
ๅฝผใใฏ่ชๅใ่ชฐใชใฎใๅใใฃใฆใใพใใ็ฃ่ฆใใใฆใใใใงใใ็นใซใ็งใใใ็ฅใใชใใใไบบ็ฉใ็ฃ่ฆใใใฆใใพใใ
ใงใใใใ่ฏใ็ฅใใใๅฑใใใจใๆๅพ ใใฆใใพใใ
ๅฝผใใ้ฎๆใใใใใจใ้กใฃใฆใใพใใๆฌๅฝใซใใ้กใฃใฆใใพใใใใใฆใๅฝผใใไฝใๅใๅใใใๅป็ใใใใซใขใฏใปในใงใใชใใใจใ้กใฃใฆใใพใใใใใฏๆๅใใ
ไบบ้็ใชๆ ใฎใฏใใ ใฃใใใงใใใญ๏ผ
็งใใกใฏใใ่ฏใไธ็ใใคใพใใใฒใฉใไธ็ใงใฏใชใใใใ่ฏใไธ็ใธใจๅคใใใใจใใฆใใพใใ
็งใใกใๅๆญใใใใจใใไธ็ใงใฏใชใใใใใงใใใ๏ผ
ใใใฆใใใใใฎไบบใ ใใ
ๅฐๅ็คพไผใซใใใปใฉๅคใใฎๅฎณใๅใผใใฆใใใซใใใใใใใ
ใ้ใๅใๅใใใจใใงใใ
็งใใกใจๅใใใใซ็ๆดปใงใใใชใใฆใใใพใใซใๆฎ้ ทใงใใ
ๅฝผใใใใใชใใชใใใใ็ฅใซ็ฅใฃใฆใใพใใ
ใใ ใFBIใใใใใฎไบบใ ใ็ฃ่ฆใใฆใใใจ่ใใฆใใพใใ
ไปใฎ่ญฆๅฏๆฉ้ขใฎไบบใ ใๅๆงใงใใ
ๅใใใพใใใ
ใงใใใใๅฝผใใใใใซ้ฎๆใใใใจใใ่ฏใ็ฅใใใๅฑใใใ็ฅใฃใฆใใ ใใใ
ๅใใใพใใใ
็ใใใใๅ ๆฐใงใ่ฏใไธๆฅใใ้ใใใใ ใใใ
ใใใใชใใ
Forwarded from Melaniastasia Romanov
Media is too big
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IRAQโS NEW GOVERNMENT OFFICIALLY BEGINS
Iraq has entered a new governing chapter.
Prime Minister Mr. Ali Falah Al-Zaidi has officially assumed his duties as head of government and Commander-in-Chief of the Armed Forces, following the formal handover ceremony with former Prime Minister Mr. Mohammed Shia Al-Sudani at the Government Palace in Baghdad.
The symbolism matters. The national anthem, the honor guard representing Iraqโs armed forces, and the artillery salute all marked more than a ceremony โ they marked the constitutional transfer of executive authority and the beginning of a new political cycle.
In his first address to the Iraqi people, Al-Zaidi placed the emphasis exactly where Iraq needs it most: national partnership, economic reform, protection of public funds, anti-corruption, youth employment, stronger services, healthcare, education, infrastructure, sovereignty, and balanced regional and international relations.
His message was clear: the next phase cannot be built on slogans. It must be built on institutions, law, justice, and measurable delivery.
The most important economic signal was his pledge to launch a comprehensive financial and economic reform program aimed at building a diversified, sustainable national economy โ one that does not remain dependent on a single resource. That means industry, agriculture, tourism, investment, private sector growth, and Iraqi talent must now move from talking points into execution.
This is where the Central Bank, fiscal discipline, banking reform, anti-corruption controls, and dollar-access modernization become central. A stronger state requires a stronger financial system. A stronger dinar requires confidence, stability, transparency, and productive growth โ not speculation.
Al-Zaidi also presided over the first regular meeting of the Council of Ministers, signaling that the government is moving immediately from ceremony to administration.
Iraqโs opportunity now is discipline.
If this government can turn partnership into policy, reform into implementation, and stability into investor confidence, then this moment may be remembered as more than a transfer of power.
It may be remembered as the opening step toward a more institutional, sovereign, and economically resilient Iraq.
Melaniastasia Romanov
Iraq has entered a new governing chapter.
Prime Minister Mr. Ali Falah Al-Zaidi has officially assumed his duties as head of government and Commander-in-Chief of the Armed Forces, following the formal handover ceremony with former Prime Minister Mr. Mohammed Shia Al-Sudani at the Government Palace in Baghdad.
The symbolism matters. The national anthem, the honor guard representing Iraqโs armed forces, and the artillery salute all marked more than a ceremony โ they marked the constitutional transfer of executive authority and the beginning of a new political cycle.
In his first address to the Iraqi people, Al-Zaidi placed the emphasis exactly where Iraq needs it most: national partnership, economic reform, protection of public funds, anti-corruption, youth employment, stronger services, healthcare, education, infrastructure, sovereignty, and balanced regional and international relations.
His message was clear: the next phase cannot be built on slogans. It must be built on institutions, law, justice, and measurable delivery.
The most important economic signal was his pledge to launch a comprehensive financial and economic reform program aimed at building a diversified, sustainable national economy โ one that does not remain dependent on a single resource. That means industry, agriculture, tourism, investment, private sector growth, and Iraqi talent must now move from talking points into execution.
This is where the Central Bank, fiscal discipline, banking reform, anti-corruption controls, and dollar-access modernization become central. A stronger state requires a stronger financial system. A stronger dinar requires confidence, stability, transparency, and productive growth โ not speculation.
Al-Zaidi also presided over the first regular meeting of the Council of Ministers, signaling that the government is moving immediately from ceremony to administration.
Iraqโs opportunity now is discipline.
If this government can turn partnership into policy, reform into implementation, and stability into investor confidence, then this moment may be remembered as more than a transfer of power.
It may be remembered as the opening step toward a more institutional, sovereign, and economically resilient Iraq.
Melaniastasia Romanov
Forwarded from ใใใฆใใ
Melaniastasia Romanov
IRAQโS NEW GOVERNMENT OFFICIALLY BEGINS Iraq has entered a new governing chapter. Prime Minister Mr. Ali Falah Al-Zaidi has officially assumed his duties as head of government and Commander-in-Chief of the Armed Forces, following the formal handover ceremonyโฆ
ใคใฉใฏใฎๆฐๆฟๅบใๆญฃๅผใซ็บ่ถณ
ใคใฉใฏใฏๆฐใใ็ตฑๆฒปใฎ็ซ ใซๅ ฅใฃใใ
ใขใชใปใใกใฉใปใขใซใปใถใคใใฃ้ฆ็ธใฏใใใฐใใใใฎๆฟๅบๅฎฎๆฎฟใงใขใใกใใปใทใขใปใขใซใปในใใๅ้ฆ็ธใจใฎๆญฃๅผใชๅผใ็ถใๅผๅ ธใ็ตใฆใๆฟๅบใฎ้ทใจใใฆใฎ่ทๅใจ่ป้ใฎๆ้ซๅธไปคๅฎใจใใฆใฎ่ทๅใซๆญฃๅผใซๅฐฑไปปใใพใใใ
ใทใณใใชใบใ ใ้่ฆใงใใๅฝๆญใใคใฉใฏใฎ่ป้ใไปฃ่กจใใ่กๅ ตใใใใฆๅคง็ ฒใฎๆฌ็คผใฏใๅๅผไปฅไธใฎใใฎใงใใใใใใใฏใ่กๆฟๆจฉใฎๆฒๆณไธใฎ็งป่กใจๆฐใใๆฟๆฒปใตใคใฏใซใฎ้ๅงใ็คบใใฆใใพใใใ
ใขใซใปใถใคใใฃๆฐใฏใคใฉใฏๅฝๆฐใธใฎๆๅใฎๆผ่ชฌใงใใคใฉใฏใๆใๅฟ ่ฆใจใใฆใใใใฎใซ้็นใ็ฝฎใใพใใใใใใฏใๅฝๅฎถใใผใใใผใทใใใ็ตๆธๆน้ฉใๅ ฌ็่ณ้ใฎไฟ่ญทใๆฑ่ทๅฏพ็ญใ่ฅ่ ใฎ้็จใๅผทๅใใใใตใผใในใๅป็ใๆ่ฒใใคใณใใฉใไธปๆจฉใใใใฆใใฉใณในใฎๅใใๅฐๅใใใณๅฝ้้ขไฟใงใใใ
ๅฝผใฎใกใใปใผใธใฏๆ็ขบใงใใใๆฌกใฎๆฎต้ใฏในใญใผใฌใณใงใฏใชใใๅถๅบฆใๆณๅพใๆญฃ็พฉใใใใฆๆธฌๅฎๅฏ่ฝใชๆๆใซๅบใฅใใฆๆง็ฏใใใชใใใฐใชใใพใใใงใใใ
ๆใ้่ฆใช็ตๆธ็ใชใทใฐใใซใฏใๅคๆง็ใงๆ็ถๅฏ่ฝใชๅฝๆฐ็ตๆธใๆง็ฏใใใใใฎๅ ๆฌ็ใช่ฒกๆฟใป็ตๆธๆน้ฉใใญใฐใฉใ ใ็ซใกไธใใใจใใๅ ฌ็ดใงใใใใใใฏใๅไธใฎ่ณๆบใซไพๅญใใชใ็ตๆธใงใใใคใพใใ็ฃๆฅญใ่พฒๆฅญใ่ฆณๅ ใๆ่ณใๆฐ้ใปใฏใฟใผใฎๆ้ทใใใใฆใคใฉใฏใฎไบบๆใฏใไปๅพใฏ่ฉฑ้กใใๅฎ่กใซ็งปใใชใใใฐใชใใพใใใ
ใใฎ็นใงใฏใไธญๅคฎ้่กใ่ฒกๆฟ่ฆๅพใ้่กๆน้ฉใๆฑ่ทๅฏพ็ญใใใใฆใใซใขใฏใปในใฎ่ฟไปฃๅใไธญๅฟใจใชใใพใใๅผทใๅฝๅฎถใซใฏๅผทใ้่ใทในใใ ใๅฟ ่ฆใงใใๅผทใใใฃใใผใซใซใฏไฟก้ ผใๅฎๅฎใ้ๆๆงใใใใฆ็็ฃ็ใชๆ้ทใๅฟ ่ฆใงใใใๆๆฉใงใฏใชใใ
ใขใซใปใถใคใใฃๆฐใฏใพใใ้ฃๅไผ่ญฐใฎๆๅใฎๅฎไพไผ่ญฐใไธปๅฎฐใใๆฟๅบใใใใซๅๅผใใ่กๆฟใซ็งป่กใใฆใใใใจใ็คบใใพใใใ
ใคใฉใฏใซไธใใใใๆฉไผใฏ่ฆๅพใงใใ
ใใใใฎๆฟๅบใใใผใใใผใทใใใๆฟ็ญใซใๆน้ฉใๅฎๆฝใซใใใใฆๅฎๅฎใๆ่ณๅฎถใฎไฟก้ ผใซๅคใใใใจใใงใใใฐใใใฎ็ฌ้ใฏๅใชใๆจฉๅใฎ็งป่กไปฅไธใฎใใฎใจใใฆ่จๆถใใใใงใใใใ
ใใใฏใใใๅถๅบฆ็ใไธปๆจฉ็ใใใใฆ็ตๆธ็ใซๅผท้ญใชใคใฉใฏใธใฎ็ฌฌไธๆญฉใจใใฆ่จๆถใใใใงใใใใ
ใกใฉใใขในใฟใทใขใปใญใใใ
ใคใฉใฏใฏๆฐใใ็ตฑๆฒปใฎ็ซ ใซๅ ฅใฃใใ
ใขใชใปใใกใฉใปใขใซใปใถใคใใฃ้ฆ็ธใฏใใใฐใใใใฎๆฟๅบๅฎฎๆฎฟใงใขใใกใใปใทใขใปใขใซใปในใใๅ้ฆ็ธใจใฎๆญฃๅผใชๅผใ็ถใๅผๅ ธใ็ตใฆใๆฟๅบใฎ้ทใจใใฆใฎ่ทๅใจ่ป้ใฎๆ้ซๅธไปคๅฎใจใใฆใฎ่ทๅใซๆญฃๅผใซๅฐฑไปปใใพใใใ
ใทใณใใชใบใ ใ้่ฆใงใใๅฝๆญใใคใฉใฏใฎ่ป้ใไปฃ่กจใใ่กๅ ตใใใใฆๅคง็ ฒใฎๆฌ็คผใฏใๅๅผไปฅไธใฎใใฎใงใใใใใใใฏใ่กๆฟๆจฉใฎๆฒๆณไธใฎ็งป่กใจๆฐใใๆฟๆฒปใตใคใฏใซใฎ้ๅงใ็คบใใฆใใพใใใ
ใขใซใปใถใคใใฃๆฐใฏใคใฉใฏๅฝๆฐใธใฎๆๅใฎๆผ่ชฌใงใใคใฉใฏใๆใๅฟ ่ฆใจใใฆใใใใฎใซ้็นใ็ฝฎใใพใใใใใใฏใๅฝๅฎถใใผใใใผใทใใใ็ตๆธๆน้ฉใๅ ฌ็่ณ้ใฎไฟ่ญทใๆฑ่ทๅฏพ็ญใ่ฅ่ ใฎ้็จใๅผทๅใใใใตใผใในใๅป็ใๆ่ฒใใคใณใใฉใไธปๆจฉใใใใฆใใฉใณในใฎๅใใๅฐๅใใใณๅฝ้้ขไฟใงใใใ
ๅฝผใฎใกใใปใผใธใฏๆ็ขบใงใใใๆฌกใฎๆฎต้ใฏในใญใผใฌใณใงใฏใชใใๅถๅบฆใๆณๅพใๆญฃ็พฉใใใใฆๆธฌๅฎๅฏ่ฝใชๆๆใซๅบใฅใใฆๆง็ฏใใใชใใใฐใชใใพใใใงใใใ
ๆใ้่ฆใช็ตๆธ็ใชใทใฐใใซใฏใๅคๆง็ใงๆ็ถๅฏ่ฝใชๅฝๆฐ็ตๆธใๆง็ฏใใใใใฎๅ ๆฌ็ใช่ฒกๆฟใป็ตๆธๆน้ฉใใญใฐใฉใ ใ็ซใกไธใใใจใใๅ ฌ็ดใงใใใใใใฏใๅไธใฎ่ณๆบใซไพๅญใใชใ็ตๆธใงใใใคใพใใ็ฃๆฅญใ่พฒๆฅญใ่ฆณๅ ใๆ่ณใๆฐ้ใปใฏใฟใผใฎๆ้ทใใใใฆใคใฉใฏใฎไบบๆใฏใไปๅพใฏ่ฉฑ้กใใๅฎ่กใซ็งปใใชใใใฐใชใใพใใใ
ใใฎ็นใงใฏใไธญๅคฎ้่กใ่ฒกๆฟ่ฆๅพใ้่กๆน้ฉใๆฑ่ทๅฏพ็ญใใใใฆใใซใขใฏใปในใฎ่ฟไปฃๅใไธญๅฟใจใชใใพใใๅผทใๅฝๅฎถใซใฏๅผทใ้่ใทในใใ ใๅฟ ่ฆใงใใๅผทใใใฃใใผใซใซใฏไฟก้ ผใๅฎๅฎใ้ๆๆงใใใใฆ็็ฃ็ใชๆ้ทใๅฟ ่ฆใงใใใๆๆฉใงใฏใชใใ
ใขใซใปใถใคใใฃๆฐใฏใพใใ้ฃๅไผ่ญฐใฎๆๅใฎๅฎไพไผ่ญฐใไธปๅฎฐใใๆฟๅบใใใใซๅๅผใใ่กๆฟใซ็งป่กใใฆใใใใจใ็คบใใพใใใ
ใคใฉใฏใซไธใใใใๆฉไผใฏ่ฆๅพใงใใ
ใใใใฎๆฟๅบใใใผใใใผใทใใใๆฟ็ญใซใๆน้ฉใๅฎๆฝใซใใใใฆๅฎๅฎใๆ่ณๅฎถใฎไฟก้ ผใซๅคใใใใจใใงใใใฐใใใฎ็ฌ้ใฏๅใชใๆจฉๅใฎ็งป่กไปฅไธใฎใใฎใจใใฆ่จๆถใใใใงใใใใ
ใใใฏใใใๅถๅบฆ็ใไธปๆจฉ็ใใใใฆ็ตๆธ็ใซๅผท้ญใชใคใฉใฏใธใฎ็ฌฌไธๆญฉใจใใฆ่จๆถใใใใงใใใใ
ใกใฉใใขในใฟใทใขใปใญใใใ
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Melaniastasia Romanov
If you know, you know. Faux.
I do not initiate contact.
Any outreach in my name is not authentic.
Please be vigilant regarding scams and impersonators.
I do not initiate contact.
Any outreach in my name is not authentic.
Please be vigilant regarding scams and impersonators.
Forwarded from Majeed ๐ธ๐ฆ KSA ๐บ๐ธ
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Here is how the banking reform is done in Iraq
What Iraq has already achieved
Over the last decade, Iraq moved from an almost entirely cash-based and loosely controlled banking environment toward a more internationally supervised system.
Major progress includes:
Electronic payment expansion
Salary localization into bank accounts
Stronger AML/CFT (anti-money laundering) rules
Integration with SWIFT/global payment systems
Restrictions on corrupt dollar transfers
Bank audits and restructuring
Financial inclusion growth
ATM and bank card expansion
Preparation for digital banking and possibly a digital dinar
The biggest turning point came after the U.S. Federal Reserve and Treasury forced Iraq to tighten dollar-transfer controls beginning around 2022โ2023. That pressure effectively forced Iraq to modernize its banking oversight.
In 2025โ2026, the Central Bank of Iraq launched what it openly called a โcomprehensive reform projectโ with consulting firm Oliver Wyman.
That is one of the clearest signs that Iraq has moved from talking about reform to actually restructuring the banking sector.
The key point is this:
Iraq is no longer in the โplanning onlyโ phase.
It is now in the implementation and enforcement phase of reform. That is a major difference from most of the last decade.
Follow ๐๐ป Majeed ๐บ๐ธ
Here is how the banking reform is done in Iraq
What Iraq has already achieved
Over the last decade, Iraq moved from an almost entirely cash-based and loosely controlled banking environment toward a more internationally supervised system.
Major progress includes:
Electronic payment expansion
Salary localization into bank accounts
Stronger AML/CFT (anti-money laundering) rules
Integration with SWIFT/global payment systems
Restrictions on corrupt dollar transfers
Bank audits and restructuring
Financial inclusion growth
ATM and bank card expansion
Preparation for digital banking and possibly a digital dinar
The biggest turning point came after the U.S. Federal Reserve and Treasury forced Iraq to tighten dollar-transfer controls beginning around 2022โ2023. That pressure effectively forced Iraq to modernize its banking oversight.
In 2025โ2026, the Central Bank of Iraq launched what it openly called a โcomprehensive reform projectโ with consulting firm Oliver Wyman.
That is one of the clearest signs that Iraq has moved from talking about reform to actually restructuring the banking sector.
The key point is this:
Iraq is no longer in the โplanning onlyโ phase.
It is now in the implementation and enforcement phase of reform. That is a major difference from most of the last decade.
Follow ๐๐ป Majeed ๐บ๐ธ
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Majeed ๐ธ๐ฆ KSA ๐บ๐ธ
Everything i post here on any subjectโฆis based on doing my own research and i being receipts with it. FYIโฆ Iโm not here to babysit everyoneโs feelings..enjoy
https://x.com/majeed66224499?s=21
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Forwarded from ใใใฆใใ
Majeed ๐ธ๐ฆ KSA ๐บ๐ธ
You must read this Here is how the banking reform is done in Iraq What Iraq has already achieved Over the last decade, Iraq moved from an almost entirely cash-based and loosely controlled banking environment toward a more internationally supervised system.โฆ
ใใใ่ชญใพใชใใใฐใชใใชใ
ใคใฉใฏใฎ้่กๆน้ฉใฎใใๆนใฏใใกใ
ใคใฉใฏใใใงใซ้ๆใใใใจ
้ๅป10ๅนด้ใซใใคใฉใฏใฏใปใจใใฉ็พ้ใใผในใงใใใ็ทฉใ็ฎก็ใใใฆใใ้่ก็ฐๅขใใใใใๅฝ้็ใซ็ฃ็ฃใใใใทในใใ ใซ็งป่กใใพใใใ
ไธปใช้ฒๅฑใจใใฆใฏใ
้ปๅญๆฑบๆธใฎๆกๅคง
็ตฆไธใ้่กๅฃๅบงใซๅ ฅ้
ใใๅผทๅบใชAML/CFT๏ผ่ณ้ๆดๆต้ฒๆญข๏ผ่ฆๅ
SWIFT/ใฐใญใผใใซๆฑบๆธใทในใใ ใจใฎ็ตฑๅ
ไธๆญฃใชใใซ้้ใฎๅถ้
้่ก็ฃๆปใจๅ็ทจๆ
้่ๅ ๆใฎๆกๅคง
ATMใจ้่กใซใผใใฎๆกๅคง
ใใธใฟใซใใณใญใณใฐใจใใใใใใธใฟใซใใฃใใผใซใฎๆบๅ
ๆๅคงใฎ่ปขๆ็นใฏใ2022ๅนด๏ฝ2023ๅนด้ ใซ็ฑณๅฝ้ฃ้ฆๆบๅๅถๅบฆใจ่ฒกๅ็ใใคใฉใฏใซใใซ้้ใฎ่ฆๅถๅผทๅใๅผทๅถใใๅพใซ่จชใใพใใใใใฎๅงๅใซใใใใคใฉใฏใฏ้่ก็ฃ็ฃใ่ฟไปฃๅใใใใจใไฝๅใชใใใใพใใใ
2025๏ฝ2026ๅนดใซใใคใฉใฏไธญๅคฎ้่กใฏใชใชใใผใปใฏใคใใณใจใใใณใณใตใซใใฃใณใฐไผ็คพใจๅๅใใฆใๅ ฌ็ถใซใๅ ๆฌ็ใชๆน้ฉใใญใธใงใฏใใใ็ซใกไธใใพใใใ
ใใใฏใใคใฉใฏใๆน้ฉใซใคใใฆ่ฉฑใๆฎต้ใใใๅฎ้ใซ้่กใปใฏใฟใผใๅ็ทจๆใใใใจใใฆใใๆใๆ็ขบใชๅ ๅใฎ1ใคใงใใ
้่ฆใช็นใฏใใใ ๏ผ
ใคใฉใฏใฏใใฏใใ่จ็ปใฎใฟใๆฎต้ใงใฏใชใใ
ไปใฏๆน้ฉใฎๅฎๆฝใจๅผทๅถๅท่กใฎๆฎต้ใซใใใใใใฏ้ๅป10ๅนด้ใฎใปใจใใฉใจใฏๅคงใใ็ฐใชใฃใฆใใพใใ
ใใฉใญใผ ๐๐ป ใใธใงใ ๐บ๐ธ
ใคใฉใฏใฎ้่กๆน้ฉใฎใใๆนใฏใใกใ
ใคใฉใฏใใใงใซ้ๆใใใใจ
้ๅป10ๅนด้ใซใใคใฉใฏใฏใปใจใใฉ็พ้ใใผในใงใใใ็ทฉใ็ฎก็ใใใฆใใ้่ก็ฐๅขใใใใใๅฝ้็ใซ็ฃ็ฃใใใใทในใใ ใซ็งป่กใใพใใใ
ไธปใช้ฒๅฑใจใใฆใฏใ
้ปๅญๆฑบๆธใฎๆกๅคง
็ตฆไธใ้่กๅฃๅบงใซๅ ฅ้
ใใๅผทๅบใชAML/CFT๏ผ่ณ้ๆดๆต้ฒๆญข๏ผ่ฆๅ
SWIFT/ใฐใญใผใใซๆฑบๆธใทในใใ ใจใฎ็ตฑๅ
ไธๆญฃใชใใซ้้ใฎๅถ้
้่ก็ฃๆปใจๅ็ทจๆ
้่ๅ ๆใฎๆกๅคง
ATMใจ้่กใซใผใใฎๆกๅคง
ใใธใฟใซใใณใญใณใฐใจใใใใใใธใฟใซใใฃใใผใซใฎๆบๅ
ๆๅคงใฎ่ปขๆ็นใฏใ2022ๅนด๏ฝ2023ๅนด้ ใซ็ฑณๅฝ้ฃ้ฆๆบๅๅถๅบฆใจ่ฒกๅ็ใใคใฉใฏใซใใซ้้ใฎ่ฆๅถๅผทๅใๅผทๅถใใๅพใซ่จชใใพใใใใใฎๅงๅใซใใใใคใฉใฏใฏ้่ก็ฃ็ฃใ่ฟไปฃๅใใใใจใไฝๅใชใใใใพใใใ
2025๏ฝ2026ๅนดใซใใคใฉใฏไธญๅคฎ้่กใฏใชใชใใผใปใฏใคใใณใจใใใณใณใตใซใใฃใณใฐไผ็คพใจๅๅใใฆใๅ ฌ็ถใซใๅ ๆฌ็ใชๆน้ฉใใญใธใงใฏใใใ็ซใกไธใใพใใใ
ใใใฏใใคใฉใฏใๆน้ฉใซใคใใฆ่ฉฑใๆฎต้ใใใๅฎ้ใซ้่กใปใฏใฟใผใๅ็ทจๆใใใใจใใฆใใๆใๆ็ขบใชๅ ๅใฎ1ใคใงใใ
้่ฆใช็นใฏใใใ ๏ผ
ใคใฉใฏใฏใใฏใใ่จ็ปใฎใฟใๆฎต้ใงใฏใชใใ
ไปใฏๆน้ฉใฎๅฎๆฝใจๅผทๅถๅท่กใฎๆฎต้ใซใใใใใใฏ้ๅป10ๅนด้ใฎใปใจใใฉใจใฏๅคงใใ็ฐใชใฃใฆใใพใใ
ใใฉใญใผ ๐๐ป ใใธใงใ ๐บ๐ธ
Telegram
Majeed ๐ธ๐ฆ KSA ๐บ๐ธ
Everything i post here on any subjectโฆis based on doing my own research and i being receipts with it. FYIโฆ Iโm not here to babysit everyoneโs feelings..enjoy
https://x.com/majeed66224499?s=21
https://x.com/majeed66224499?s=21
Forwarded from MJTruth
Forwarded from ๐ถ W.H.Grampa๐ธ
Forwarded from Wolverine ๐ฆ๐บ ๐ฆ๐บ
๐จ THE DINAR IS APPROACHING FAST:
HISTORIC CURRENCY SHIFTS IN IRAQ AND VIETNAM ๐จ
A massive wave of geopolitical and financial events has marked what is considered the most significant real-time movement in the currency investment landscape in over 15 years.
In their latest update (see below ๐), Stephen Campolo and Thom Sieloff analyze the main recent developments regarding the Iraqi dinar ๐ฎ๐ถ and the Vietnamese dong ๐ป๐ณ.
Here is the essential information you need to know:
๐ฎ๐ถ IRAQ BREAKS A 23-YEAR STREAK:
* Government formed: Al-Zedi has been officially confirmed as the new Prime Minister of Iraq, and his cabinet has received a vote of confidence.
* A Constitutional Milestone:
For the first time in 23 years, Iraq met the constitutional deadline for forming a government, instead of delaying the process. This demonstrates a tremendous behind-the-scenes push.
* US Advice and Anti-Corruption: Prime Minister Al-Zedi has explicitly stated his mission to eradicate Iranian corruption from the banking sector.
The US administration is reportedly actively guiding the selection of ministers to ensure structural compliance.
* Central Bank Reorganization: A surprise candidate is being considered for the position of governor of the Central Bank of Iraq (CBI), the most crucial post responsible for setting exchange rates.
* ๐ข๏ธ PROGRESS ON THE HYDROCARBONS LAW (HCL)
* Erbil and Baghdad have finally reached a general consensus on the Hydrocarbons Law, which had been stalled since 2007.
* The HCL aims to distribute oil revenues equitably among all Iraqi citizens.
This agreement is considered a key catalyst, directly linked to the recovery of the currency's effective real exchange rate.
๐ฐ IMF LOAN AND RESERVE STRATEGY:
* Iraq ๐ฎ๐ถ is in active communication with the IMF regarding a potential loan.
To access it, Iraq must meet strict international transparency and financial requirements.
* While oil revenues have temporarily declined due to regional tensions near the Strait of Hormuz, Iraq ๐ฎ๐ถ remains OPEC's second-largest producer, meaning its revenues could surge once stability is restored.
๐ป๐ณ VIETNAM'S PARALLEL EXPANSION
* Dong Boost: The Vietnamese dong is reaching 52-week highs against the USD as the country aggressively pursues an improved credit rating.
* Emerging Market Upgrade: FTSE Russell has publicly announced Vietnam's upgrade to emerging market status, expected by the end of September.
* Master Plan: Vietnam ๐ป๐ณ has launched a 100-year economic master plan, which includes actively building up fuel reserves, energy rationing, and signing strategic agreements with BRICS countries.
Rumors continue to circulate that the dinar and the dong could be revalued simultaneously.
๐ฎ POSSIBLE TIMELINES AND INVESTMENT STRATEGY
* Summer Window:
Analysts suggest that this summer (particularly August or September) represents an optimal window for significant milestones in currency revaluation, in line with the anticipated timeline for the withdrawal of international troops. * Historical Precedent: If we look at currency resets following previous wars (such as those in Kuwait ๐ฐ๐ผ and Iraq ๐ฎ๐ถ in 2003), the official exchange periods typically last 90 days.
* Smart Planning Afterward:
Investors are strongly advised not to panic or rush to convert all their investments on the first day. Testing the process with a small sample amount can help avoid high bank fees and operational issues.
* Banking relationships: Open accounts with the four major financial institutions in advance to ensure that rigorous anti-money laundering controls and identity verification go smoothly.
The global financial system is moving faster than ever.
Stay alert, avoid unfounded euphoria, do your own research, and keep a close eye on developments in the coming days. ๐๐ฅ
๐ฌ Watch the full discussion here:
@argosaki
HISTORIC CURRENCY SHIFTS IN IRAQ AND VIETNAM ๐จ
A massive wave of geopolitical and financial events has marked what is considered the most significant real-time movement in the currency investment landscape in over 15 years.
In their latest update (see below ๐), Stephen Campolo and Thom Sieloff analyze the main recent developments regarding the Iraqi dinar ๐ฎ๐ถ and the Vietnamese dong ๐ป๐ณ.
Here is the essential information you need to know:
๐ฎ๐ถ IRAQ BREAKS A 23-YEAR STREAK:
* Government formed: Al-Zedi has been officially confirmed as the new Prime Minister of Iraq, and his cabinet has received a vote of confidence.
* A Constitutional Milestone:
For the first time in 23 years, Iraq met the constitutional deadline for forming a government, instead of delaying the process. This demonstrates a tremendous behind-the-scenes push.
* US Advice and Anti-Corruption: Prime Minister Al-Zedi has explicitly stated his mission to eradicate Iranian corruption from the banking sector.
The US administration is reportedly actively guiding the selection of ministers to ensure structural compliance.
* Central Bank Reorganization: A surprise candidate is being considered for the position of governor of the Central Bank of Iraq (CBI), the most crucial post responsible for setting exchange rates.
* ๐ข๏ธ PROGRESS ON THE HYDROCARBONS LAW (HCL)
* Erbil and Baghdad have finally reached a general consensus on the Hydrocarbons Law, which had been stalled since 2007.
* The HCL aims to distribute oil revenues equitably among all Iraqi citizens.
This agreement is considered a key catalyst, directly linked to the recovery of the currency's effective real exchange rate.
๐ฐ IMF LOAN AND RESERVE STRATEGY:
* Iraq ๐ฎ๐ถ is in active communication with the IMF regarding a potential loan.
To access it, Iraq must meet strict international transparency and financial requirements.
* While oil revenues have temporarily declined due to regional tensions near the Strait of Hormuz, Iraq ๐ฎ๐ถ remains OPEC's second-largest producer, meaning its revenues could surge once stability is restored.
๐ป๐ณ VIETNAM'S PARALLEL EXPANSION
* Dong Boost: The Vietnamese dong is reaching 52-week highs against the USD as the country aggressively pursues an improved credit rating.
* Emerging Market Upgrade: FTSE Russell has publicly announced Vietnam's upgrade to emerging market status, expected by the end of September.
* Master Plan: Vietnam ๐ป๐ณ has launched a 100-year economic master plan, which includes actively building up fuel reserves, energy rationing, and signing strategic agreements with BRICS countries.
Rumors continue to circulate that the dinar and the dong could be revalued simultaneously.
๐ฎ POSSIBLE TIMELINES AND INVESTMENT STRATEGY
* Summer Window:
Analysts suggest that this summer (particularly August or September) represents an optimal window for significant milestones in currency revaluation, in line with the anticipated timeline for the withdrawal of international troops. * Historical Precedent: If we look at currency resets following previous wars (such as those in Kuwait ๐ฐ๐ผ and Iraq ๐ฎ๐ถ in 2003), the official exchange periods typically last 90 days.
* Smart Planning Afterward:
Investors are strongly advised not to panic or rush to convert all their investments on the first day. Testing the process with a small sample amount can help avoid high bank fees and operational issues.
* Banking relationships: Open accounts with the four major financial institutions in advance to ensure that rigorous anti-money laundering controls and identity verification go smoothly.
The global financial system is moving faster than ever.
Stay alert, avoid unfounded euphoria, do your own research, and keep a close eye on developments in the coming days. ๐๐ฅ
๐ฌ Watch the full discussion here:
@argosaki
Forwarded from ใใใฆใใ
๐๐ช๐ฉ๐ฉ๐๐ง ๐๐ฃ ๐๐๐๐ง๐๐ฉ ๐พ๐
๐จ THE DINAR IS APPROACHING FAST: HISTORIC CURRENCY SHIFTS IN IRAQ AND VIETNAM ๐จ A massive wave of geopolitical and financial events has marked what is considered the most significant real-time movement in the currency investment landscape in over 15 years.โฆ
๐จ ใใฃใใผใซใๆฅ้ใซๆฅ่ฟใใฆใใ:
ใคใฉใฏใจใใใใ ใฎๆญดๅฒ็ใช้่ฒจใทใใ ๐จ
ๅคง่ฆๆจกใชๅฐๆฟๅญฆ็ใป้่็ใชๅบๆฅไบใ็ธๆฌกใใงใ้ๅป15ๅนด้ใงๆใ้่ฆใช้่ฒจๆ่ณใฎ็พๅฎ็ใชๅใใจ่ฆใใใฆใใพใใ
ในใใฃใผใใณใปใซใณใใญใจใใ ใปใทใผใญใใฏใๆๆฐใฎๆดๆฐๆ ๅ ฑ(ไธ่จๅ็ ง)ใงใใคใฉใฏใฎใใฃใใผใซ ๐ฎ๐ถใจใใใใ ใฎใใณ ๐ป๐ณใซ้ขใใๆ่ฟใฎไธปใชๅๅใๅๆใใฆใใพใใ
ใใกใใฏ็ฅใฃใฆใใในใ้่ฆใชๆ ๅ ฑใงใ:
๐ฎ๐ถ ใคใฉใฏใ23ๅนด้ใฎ่จ้ฒใๆดๆฐ:
* ๆฟๅบใฎ็ต็น: ใขใซใปใผใใฃๆฐใๆญฃๅผใซใคใฉใฏใฎๆฐ้ฆ็ธใซไปปๅฝใใใใใฎๅ ้ฃใฏไฟกไปปๆ็ฅจใๅใใใ
* ๆฒๆณไธใฎใใคใซในใใผใณ:
ใคใฉใฏใฏ23ๅนดใถใใซๆฒๆณไธใฎๆ้ๅ ใซๆฟๅบใ็ต็นใใ้ๅปใฎ้ ๅปถใๅ้ฟใใใใใใฏ่ฃใงๅคงใใชๅใ็ตใฟใใใฃใใใจใ็คบใใฆใใพใใ
* ็ฑณๅฝใฎๅฉ่จใจๆฑ่ทๅฏพ็ญ: ใขใซใปใผใใฃ้ฆ็ธใฏใใคใฉใณใฎ้่กใปใฏใฟใผใใๆฑ่ทใๆ้คใใใจใใไฝฟๅฝใๆ็ขบใซ่ฟฐในใฆใใพใใ
็ฑณๅฝๆฟๅบใฏๆง้ ็ใชใณใณใใฉใคใขใณในใ็ขบไฟใใใใใซใ้ฃๅใฎ้ธๅฎใซ็ฉๆฅต็ใซ้ขไธใใฆใใใจๅ ฑใใใใฆใใพใใ
* ไธญๅคฎ้่กใฎๅ็ทจ: ใคใฉใฏไธญๅคฎ้่ก( CBI)ใฎ็ฅไบใฎใใธใทใงใณใซ้ฉใใฎๅ่ฃ่ ใๆค่จใใใฆใใพใใใใฎใใธใทใงใณใฏ็บๆฟใฌใผใใ่จญๅฎใใๆใ้่ฆใชใใธใทใงใณใงใใ
* ๐ข ็ญๅๆฐด็ด ๆณ(HCL)ใฎ้ฒๅฑ
* ใจใซใใซใจใใฐใใใใฏใ2007ๅนดใใๅๆปใใฆใใ็ญๅๆฐด็ด ๆณใซใคใใฆๆ็ต็ใซๅๆใซ่ณใฃใใ
* HCLใฏใใในใฆใฎใคใฉใฏๅธๆฐใซ็ณๆฒนๅๅ ฅใๅ ฌๅนณใซๅ้ ใใใใจใ็ฎ็ใจใใฆใใใ
ใใฎๅๆใฏใ้่ฒจใฎๅฎๅน็บๆฟใฌใผใๅๅพฉใซ็ดๆฅ้ข้ฃใใ้่ฆใช่งฆๅชใจ่ฆใใใฆใใพใใ
๐ฐ IMFใฎ่่ณใจๆบๅๆฆ็ฅ:
* ใคใฉใฏ ๐ฎ๐ถใฏIMFใจใฎๆฝๅจ็ใช่่ณใซใคใใฆ็ฉๆฅต็ใซไบคๆธใใฆใใพใใ
่่ณใๅใใใซใฏใใคใฉใฏใฏๅฝ้็ใช้ๆๆงใจ่ฒกๆฟ่ฆไปถใๆบใใๅฟ ่ฆใใใใพใใ
* ็ณๆฒนๅๅ ฅใฏใใซใ ใบๆตทๅณก่ฟใใฎๅฐๅ็ทๅผตใซใใไธๆ็ใซๆธๅฐใใฆใใพใใใใคใฉใฏ ๐ฎ๐ถใฏOPECใฎ็ฌฌไบใฎ็็ฃๅฝใงใใใๅฎๅฎใๅๅพฉใใใฐๅๅ ฅใๆฅๅขใใๅฏ่ฝๆงใใใใพใใ
๐ป๐ณ ใใใใ ใฎไธฆ่กๆกๅคง
* ใใณ้ซ้จฐ: ใใใใ ใใณใฏ52้ฑ้ใฎ้ซๅคใๆดๆฐใใฆใใพใใใใใฏใใใใใ ใ็ฉๆฅต็ใซไฟก็จๆ ผไปใใๅไธใใใฆใใใใใงใใ
* ๆฐ่ๅธๅ ดใฎใขใใใฐใฌใผใ: FTSE Russellใฏๅ ฌๅผใซใใใใ ใๆฐ่ๅธๅ ดใซใขใใใฐใฌใผใใใใจ็บ่กจใใฆใใใ9ๆๆซใพใงใซไบๅฎใใใฆใใพใใ
* ใในใฟใผใใฉใณ: ใใใใ ๐ป๐ณใฏ100ๅนดใฎ็ตๆธใในใฟใผใใฉใณใ็บ่กจใใฆใใใ็ๆๆบๅใฎ็ฉๆฅต็ใชๆง็ฏใใจใใซใฎใผ้ ็ตฆใBRICS่ซธๅฝใจใฎๆฆ็ฅ็ๅๅฎใชใฉใ็ใ่พผใพใใฆใใพใใ
ใใฃใใผใซใจใใณใๅๆใซๅ่ฉไพกใใใๅฏ่ฝๆงใ็ถใใฆใใพใใ
๐ฎ ๅฏ่ฝๆงใฎ้ซใใฟใคใ ใฉใคใณใจๆ่ณๆฆ็ฅ
* ๅคใฎ็ช:
ใขใใชในใใฏใไปๅนดใฎๅค(็นใซ8ๆใพใใฏ9ๆ)ใ้่ฒจๅ่ฉไพกใฎ้่ฆใชใใคใซในใใผใณใซๆ้ฉใช็ชๅฃใงใใใจ็คบๅใใฆใใพใใใใใฏใๅฝ้่ปใฎๆค้ไบๅฎๆๆใจไธ่ดใใฆใใพใใ
* ๆญดๅฒ็ใชๅ ไพ: ้ๅปใฎๆฆไบๅพใฎ้่ฒจใชใปใใ(ไพใใฐใ2003ๅนดใฎใฏใฆใงใผใ ๐ฐ๐ผใใคใฉใฏ ๐ฎ๐ถ)ใๆฏใ่ฟใใจใๅ ฌๅผใช็บๆฟๆ้ใฏ้ๅธธ90ๆฅ้ใงใใใ
* ใใฎๅพใฎ่ณขๆใช่จ็ป:
ๆ่ณๅฎถใฏใๆๅใฎๆฅใซใในใฆใฎๆ่ณใๅคๆใใใฎใงใฏใชใใใใใใฏใซใชใใชใใใใซใใใพใใฏๆฅใใใจใชใ่กๅใใใใจใๅผทใใๅงใใใพใใๅฐ้กใฎใตใณใใซใงใใญใปในใใในใใใใใจใงใ้ซใ้่กๆๆฐๆใ้็จไธใฎๅ้กใๅ้ฟใใใใจใใงใใพใใ
* ้่ก้ขไฟ: ไบๅใซ4ใคใฎไธป่ฆ้่ๆฉ้ขใซๅฃๅบงใ้่จญใใๅณๆ ผใชใใใผใญใณใใชใณใฐๅฏพ็ญใจ่บซๅ ็ขบ่ชใในใ ใผใบใซ่กใใใใใใซใใพใใใใ
ไธ็ใฎ้่ใทในใใ ใฏใใใพใงใซใชใใปใฉๆฅ้ใซๅใใฆใใพใใ
ๆณจๆใใๆ นๆ ใฎใชใ่ๅฅฎใซ่บซใไปปใใใ่ชๅใง่ชฟๆปใ่กใใไปๅพๆฐๆฅใฎๅๅใๆณจ่ฆใใฆใใ ใใใ ๐๐ฅ
๐ฌ ใใกใใงๅฎๅ จใช่ญฐ่ซใใ่ฆงใใ ใใ:
@argosaki
ใคใฉใฏใจใใใใ ใฎๆญดๅฒ็ใช้่ฒจใทใใ ๐จ
ๅคง่ฆๆจกใชๅฐๆฟๅญฆ็ใป้่็ใชๅบๆฅไบใ็ธๆฌกใใงใ้ๅป15ๅนด้ใงๆใ้่ฆใช้่ฒจๆ่ณใฎ็พๅฎ็ใชๅใใจ่ฆใใใฆใใพใใ
ในใใฃใผใใณใปใซใณใใญใจใใ ใปใทใผใญใใฏใๆๆฐใฎๆดๆฐๆ ๅ ฑ(ไธ่จๅ็ ง)ใงใใคใฉใฏใฎใใฃใใผใซ ๐ฎ๐ถใจใใใใ ใฎใใณ ๐ป๐ณใซ้ขใใๆ่ฟใฎไธปใชๅๅใๅๆใใฆใใพใใ
ใใกใใฏ็ฅใฃใฆใใในใ้่ฆใชๆ ๅ ฑใงใ:
๐ฎ๐ถ ใคใฉใฏใ23ๅนด้ใฎ่จ้ฒใๆดๆฐ:
* ๆฟๅบใฎ็ต็น: ใขใซใปใผใใฃๆฐใๆญฃๅผใซใคใฉใฏใฎๆฐ้ฆ็ธใซไปปๅฝใใใใใฎๅ ้ฃใฏไฟกไปปๆ็ฅจใๅใใใ
* ๆฒๆณไธใฎใใคใซในใใผใณ:
ใคใฉใฏใฏ23ๅนดใถใใซๆฒๆณไธใฎๆ้ๅ ใซๆฟๅบใ็ต็นใใ้ๅปใฎ้ ๅปถใๅ้ฟใใใใใใฏ่ฃใงๅคงใใชๅใ็ตใฟใใใฃใใใจใ็คบใใฆใใพใใ
* ็ฑณๅฝใฎๅฉ่จใจๆฑ่ทๅฏพ็ญ: ใขใซใปใผใใฃ้ฆ็ธใฏใใคใฉใณใฎ้่กใปใฏใฟใผใใๆฑ่ทใๆ้คใใใจใใไฝฟๅฝใๆ็ขบใซ่ฟฐในใฆใใพใใ
็ฑณๅฝๆฟๅบใฏๆง้ ็ใชใณใณใใฉใคใขใณในใ็ขบไฟใใใใใซใ้ฃๅใฎ้ธๅฎใซ็ฉๆฅต็ใซ้ขไธใใฆใใใจๅ ฑใใใใฆใใพใใ
* ไธญๅคฎ้่กใฎๅ็ทจ: ใคใฉใฏไธญๅคฎ้่ก( CBI)ใฎ็ฅไบใฎใใธใทใงใณใซ้ฉใใฎๅ่ฃ่ ใๆค่จใใใฆใใพใใใใฎใใธใทใงใณใฏ็บๆฟใฌใผใใ่จญๅฎใใๆใ้่ฆใชใใธใทใงใณใงใใ
* ๐ข ็ญๅๆฐด็ด ๆณ(HCL)ใฎ้ฒๅฑ
* ใจใซใใซใจใใฐใใใใฏใ2007ๅนดใใๅๆปใใฆใใ็ญๅๆฐด็ด ๆณใซใคใใฆๆ็ต็ใซๅๆใซ่ณใฃใใ
* HCLใฏใใในใฆใฎใคใฉใฏๅธๆฐใซ็ณๆฒนๅๅ ฅใๅ ฌๅนณใซๅ้ ใใใใจใ็ฎ็ใจใใฆใใใ
ใใฎๅๆใฏใ้่ฒจใฎๅฎๅน็บๆฟใฌใผใๅๅพฉใซ็ดๆฅ้ข้ฃใใ้่ฆใช่งฆๅชใจ่ฆใใใฆใใพใใ
๐ฐ IMFใฎ่่ณใจๆบๅๆฆ็ฅ:
* ใคใฉใฏ ๐ฎ๐ถใฏIMFใจใฎๆฝๅจ็ใช่่ณใซใคใใฆ็ฉๆฅต็ใซไบคๆธใใฆใใพใใ
่่ณใๅใใใซใฏใใคใฉใฏใฏๅฝ้็ใช้ๆๆงใจ่ฒกๆฟ่ฆไปถใๆบใใๅฟ ่ฆใใใใพใใ
* ็ณๆฒนๅๅ ฅใฏใใซใ ใบๆตทๅณก่ฟใใฎๅฐๅ็ทๅผตใซใใไธๆ็ใซๆธๅฐใใฆใใพใใใใคใฉใฏ ๐ฎ๐ถใฏOPECใฎ็ฌฌไบใฎ็็ฃๅฝใงใใใๅฎๅฎใๅๅพฉใใใฐๅๅ ฅใๆฅๅขใใๅฏ่ฝๆงใใใใพใใ
๐ป๐ณ ใใใใ ใฎไธฆ่กๆกๅคง
* ใใณ้ซ้จฐ: ใใใใ ใใณใฏ52้ฑ้ใฎ้ซๅคใๆดๆฐใใฆใใพใใใใใฏใใใใใ ใ็ฉๆฅต็ใซไฟก็จๆ ผไปใใๅไธใใใฆใใใใใงใใ
* ๆฐ่ๅธๅ ดใฎใขใใใฐใฌใผใ: FTSE Russellใฏๅ ฌๅผใซใใใใ ใๆฐ่ๅธๅ ดใซใขใใใฐใฌใผใใใใจ็บ่กจใใฆใใใ9ๆๆซใพใงใซไบๅฎใใใฆใใพใใ
* ใในใฟใผใใฉใณ: ใใใใ ๐ป๐ณใฏ100ๅนดใฎ็ตๆธใในใฟใผใใฉใณใ็บ่กจใใฆใใใ็ๆๆบๅใฎ็ฉๆฅต็ใชๆง็ฏใใจใใซใฎใผ้ ็ตฆใBRICS่ซธๅฝใจใฎๆฆ็ฅ็ๅๅฎใชใฉใ็ใ่พผใพใใฆใใพใใ
ใใฃใใผใซใจใใณใๅๆใซๅ่ฉไพกใใใๅฏ่ฝๆงใ็ถใใฆใใพใใ
๐ฎ ๅฏ่ฝๆงใฎ้ซใใฟใคใ ใฉใคใณใจๆ่ณๆฆ็ฅ
* ๅคใฎ็ช:
ใขใใชในใใฏใไปๅนดใฎๅค(็นใซ8ๆใพใใฏ9ๆ)ใ้่ฒจๅ่ฉไพกใฎ้่ฆใชใใคใซในใใผใณใซๆ้ฉใช็ชๅฃใงใใใจ็คบๅใใฆใใพใใใใใฏใๅฝ้่ปใฎๆค้ไบๅฎๆๆใจไธ่ดใใฆใใพใใ
* ๆญดๅฒ็ใชๅ ไพ: ้ๅปใฎๆฆไบๅพใฎ้่ฒจใชใปใใ(ไพใใฐใ2003ๅนดใฎใฏใฆใงใผใ ๐ฐ๐ผใใคใฉใฏ ๐ฎ๐ถ)ใๆฏใ่ฟใใจใๅ ฌๅผใช็บๆฟๆ้ใฏ้ๅธธ90ๆฅ้ใงใใใ
* ใใฎๅพใฎ่ณขๆใช่จ็ป:
ๆ่ณๅฎถใฏใๆๅใฎๆฅใซใในใฆใฎๆ่ณใๅคๆใใใฎใงใฏใชใใใใใใฏใซใชใใชใใใใซใใใพใใฏๆฅใใใจใชใ่กๅใใใใจใๅผทใใๅงใใใพใใๅฐ้กใฎใตใณใใซใงใใญใปในใใในใใใใใจใงใ้ซใ้่กๆๆฐๆใ้็จไธใฎๅ้กใๅ้ฟใใใใจใใงใใพใใ
* ้่ก้ขไฟ: ไบๅใซ4ใคใฎไธป่ฆ้่ๆฉ้ขใซๅฃๅบงใ้่จญใใๅณๆ ผใชใใใผใญใณใใชใณใฐๅฏพ็ญใจ่บซๅ ็ขบ่ชใในใ ใผใบใซ่กใใใใใใซใใพใใใใ
ไธ็ใฎ้่ใทในใใ ใฏใใใพใงใซใชใใปใฉๆฅ้ใซๅใใฆใใพใใ
ๆณจๆใใๆ นๆ ใฎใชใ่ๅฅฎใซ่บซใไปปใใใ่ชๅใง่ชฟๆปใ่กใใไปๅพๆฐๆฅใฎๅๅใๆณจ่ฆใใฆใใ ใใใ ๐๐ฅ
๐ฌ ใใกใใงๅฎๅ จใช่ญฐ่ซใใ่ฆงใใ ใใ:
@argosaki
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GP Q
Special? Mmmmm not really, just me :)