Damas and banks reach deal over Dh1.8 million debt



A Dh1.8 billion (US$490 million) deal involving Damas International, its previous owners and more than 20 banks has been signed after months of delay.

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The agreement will result in the three Abdullah brothers - Tawhid, Tawfiq and Tamjid - who previously ran the company, repaying Dh614m to Damas, the Middle East's largest jeweller. In addition, they will pay Dh1.2bn to a group of lenders.

The deal comes only a day after Damas announced a delay, as one bank had yet to agree to the terms.

Damas announced the news in a statement to Nasdaq Dubai, but the exact details of the agreement have not been disclosed.

The finalising of the deal has been delayed a number of times because of the complex nature of the negotiations.

The deal means that Damas can now proceed with a Dh3bn debt restructuring recently agreed with its own banks.

The debt will be used for working capital and investment in expansion, primarily in the jeweller's business in Saudi Arabia and the UAE.

Some 80 per cent of the Abdullah brothers' creditors are also Damas creditors.

The Abdullah brothers were the subject of the strictest disciplinary action in the history of the Dubai International Financial Centre in March last year for improperly withdrawing Dh365m of cash and nearly two tonnes of gold worth Dh250m from Damas without shareholder approval.

Through their privately held companies, Damas Real Estate, Damas Investments and Damas Hotels, the brothers also borrowed a further Dh1.2bn from numerous lenders.

In many countries across North Africa, the Middle East and Asia, the company is also trying to recover hundreds of millions of dirhams of investments, loans and payments for merchandise the three brothers made without the appropriate documentation.

The brothers sealed many deals only with a handshake, which has obliged Damas to retain them as advisers as the company tries to trace all of their transactions.

COMPANY PROFILE

Name: Qyubic
Started: October 2023
Founder: Namrata Raina
Based: Dubai
Sector: E-commerce
Current number of staff: 10
Investment stage: Pre-seed
Initial investment: Undisclosed 

TERMINAL HIGH ALTITUDE AREA DEFENCE (THAAD)

What is THAAD?

It is considered to be the US's most superior missile defence system.

Production:

It was created in 2008.

Speed:

THAAD missiles can travel at over Mach 8, so fast that it is hypersonic.

Abilities:

THAAD is designed to take out  ballistic missiles as they are on their downward trajectory towards their target, otherwise known as the "terminal phase".

Purpose:

To protect high-value strategic sites, such as airfields or population centres.

Range:

THAAD can target projectiles inside and outside the Earth's atmosphere, at an altitude of 150 kilometres above the Earth's surface.

Creators:

Lockheed Martin was originally granted the contract to develop the system in 1992. Defence company Raytheon sub-contracts to develop other major parts of the system, such as ground-based radar.

UAE and THAAD:

In 2011, the UAE became the first country outside of the US to buy two THAAD missile defence systems. It then stationed them in 2016, becoming the first Gulf country to do so.

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UPI facts

More than 2.2 million Indian tourists arrived in UAE in 2023
More than 3.5 million Indians reside in UAE
Indian tourists can make purchases in UAE using rupee accounts in India through QR-code-based UPI real-time payment systems
Indian residents in UAE can use their non-resident NRO and NRE accounts held in Indian banks linked to a UAE mobile number for UPI transactions

Fund-raising tips for start-ups

Develop an innovative business concept

Have the ability to differentiate yourself from competitors

Put in place a business continuity plan after Covid-19

Prepare for the worst-case scenario (further lockdowns, long wait for a vaccine, etc.) 

Have enough cash to stay afloat for the next 12 to 18 months

Be creative and innovative to reduce expenses

Be prepared to use Covid-19 as an opportunity for your business

* Tips from Jassim Al Marzooqi and Walid Hanna