ADWEA and Taqa in water, power deal



Abu Dhabi Water and Electricity Authority (ADWEA) has agreed to sell a 54 per cent stake in Fujairah's biggest power and water development to its publicly traded investment unit, Abu Dhabi National Energy Company (Taqa), for Dh1.11 billion (US$302 million) - roughly 10 per cent of the project's Dh10.28bn construction cost. According to a statement filed with the Abu Dhabi Securities Exchange (ADX), ADWEA has approved the transfer to Taqa of 90 per cent of its shares in its wholly owned Fujairah Water and Electricity subsidiary, which indirectly owns 60 per cent of the Fujairah 2 power and water project. The transaction would not alter ADWEA's debt obligations to the project, the statement noted. The Fujairah 2 development, which will have 2,000 megawatts of electricity generation and 492 million litres per day of water desalination capacity when completed next year, is one of the biggest projects that ADWEA has commissioned in the 11 years since Abu Dhabi reorganised its power and water sector to allow some private-sector ownership. In 2007, the government-owned ADWEA formed a consortium with International Power from the UK and Marubeni of Japan to develop the project, which would supply electricity and water to the emirates of Fujairah and Abu Dhabi. Under terms of the joint venture agreement, International Power and Marubeni would operate the plant. Most of the project's costs were to be financed through $2.23bn of long-term bank loans to the consortium. With ADWEA continuing to service the project's long-term debt, the equity transfer would be "an amazing deal" for Taqa, said Douglas Caskie, the president of IPA Energy & Water Economics, an Abu Dhabi consulting firm. "I guess the game plan here is to increase the portfolio and market capitalisation of Taqa," he said. ADWEA owns 75 per cent of Taqa's shares, with the remainder being widely held. Since its creation in 2005, Taqa has spent about $24bn on acquisitions of oil, gas and electricity assets around the world. The company also owns majority stakes that it inherited from ADWEA in a number of Abu Dhabi power and water projects. On the ADX yesterday, Taqa's shares closed at Dh1.77, down 3 fils. The stock is 57 per cent off its 52-week high of Dh4.12. Taqa did not respond yesterday to requests for further information on its deal with ADWEA, and did not issue a press release. ADWEA officials also could not be reached for comment. In a separate development, Dolphin Energy said it was exploring options to ensure the gas pipeline under construction from Abu Dhabi to the Fujairah 2 power project was completed on time. The pipeline is being laid by Stroytransgaz of Russia, but Dolphin, an Abu Dhabi-based energy company, said it was "aware of normal construction delays" and was committed to delivering it on time in 2010. tcarlisle@thenational.ae

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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

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