ADCB Abu Dhabi Commercial Bank. ( Jaime Puebla / The National )
ADCB Abu Dhabi Commercial Bank. ( Jaime Puebla / The National )

Fair result for UAE after roller-coaster first half



It has been a roller coaster first half of the year for investors.

Stock markets here were initially buffeted by the economic implications of the unrest in some parts of the region and then, more recently, seen as an attractive haven for investment. At the end of the first half, the Dubai Financial Market General Index was down 8.6 per cent to 1,518.33 points, from the start of the year, and the Abu Dhabi Securities Market General Index was down 1.6 per cent to 2,704.19 points.

Today, the UAE is among the most attractively valued stock markets in the GCC, while Kuwait is the most expensive, as we head in to the second half of the year, according to Zawya.com data.

Dubai shares trade at a price-to-earnings ratio, or P/E, of 10.55 and Abu Dhabi at a P/E of 10.53, compared with a pan-GCC P/E of 13.58.

Kuwait trades at a 14.96 multiple; Saudi Arabia - the region's biggest market - trades at a P/E of 14.30; and Qatar trades at 14.16. Oman's market trades at a P/E of 10.44 and Bahrain at 10.67, Zawya says.

Yet within those broader trends, there have been individual winners and losers.

The ups

Insurance

Insurance stocks came out as defensive plays in the midst of heightened volatility. Abu Dhabi National Takaful is the highest stock performer in the country, up 152 per cent to Dh7 a share in the past six months, while Al Dhafra Insurance is the third-highest performer, up 42 per cent to Dh5.45 a share.

"When markets are down, insurance companies are considered like a deposit substitute or bond yield among local investors as they await dividend payments," said Mohammed Ali Yasin, the chief investment officer at CAPM Investment in Abu Dhabi.

Two new entrants, Wataniya Insurance and Insurance House, joined the Abu Dhabi Securities Exchange this year through initial public offerings (IPOs) that raised Dh148 million (US$40.2m).

Retail Banks

Abu Dhabi Commercial Bank (ADCB) has jumped 37 per cent to Dh3 a share, while Emirates NBD has gained 42 per cent to Dh4.15 in the past six months, after remarks from Sultan Al Suwaidi, the Central Bank Governor, suggested the industry should jump-start lending after a cautious couple of years during the financial crisis.

After Central Bank data showed deposits reached Dh1.12 trillion in April, up 16 per cent from the same period last year, investors are anticipating bigger profits in the second half of the year. These two banks emerged as value stocks this year. ADCB also offloaded its 25 per cent stake in Malaysia's RHB Capital to Aabar Investments last month, for 5.9 billion Malaysian ringgit (Dh7.19bn) , a gain of 50 per cent after owning the stake for three years.

Telecoms

Etisalat and du have both made decent gains in the past six months as they competed against one another in a saturated mobile market.

Shares of Etisalat are up almost 2.8 per cent to Dh11.10, while du is up 4.7 per cent to Dh3.11. It will be difficult for the companies to continue growing, however.

According to Fitch Ratings, the UAE mobile market is now mature, with mobile penetration rate exceeding 200 per cent. The ratings agency also said organic growth for Etisalat's international operations was likely to be offset by declines in the domestic market.

Bottlers

Dubai Refreshments, the bottler and distributor of Pepsi products in Dubai and the Northern Emirates, is up 126 per cent this year to Dh10.05. It is not hard to see why: the company in January raised the price of a can of fizzy drinks for the first time in 20 years.

ETF

Despite low trading volumes, NBAD's one-share exchange traded fund (ETF) provided investors with a hedge from the volatility in the market following the unrest in parts of the region.

The fund is up 4.4 per cent this year to Dh4.99 a share, outperforming both of the main local bourses.

"The ETF has performed well due to the diversification of underlying holdings but with a focus on market cap and liquidity," said Saleem Khokhar, the head of equities at National Bank of Abu Dhabi.

The one-share ETF trades at a price-to-earning ratio of 10.05 and has a dividend yield of 2.8 per cent.

The downs

Property

Civil unrest spurred project cancellations in Syria, Egypt and elsewhere in parts of the wider region. Closer to home, property markets are forecast to remain slow for some time.

Emaar Properties, based in Dubai, is down almost 15 per cent to Dh3.02 since January, while Abu Dhabi's Aldar Properties is down more than 47 per cent to Dh1.24. Arkan Building Materials, an Abu Dhabi-listed cement producer, is down 27 per cent to Dh1.28.

"While the first quarter was slow because of political uncertainty, we're assuming that the next quarters will bring a sense of going back to normalcy, but they will probably still be down year-on-year," said Majed Azzam, an analyst at Alembic HC Securities in Dubai. There is hope: some believe the change to the UAE's visa law late last month will help to drain excess supply from the market.

Fish farms

The International Fish Farming Company, also known as Asmak and based in Abu Dhabi, started up with a vision to develop an integrated seafood business with regional and international participation.

But the company ceased its fish-farming business after stocks were devastated by so-called red tides, which are epidemics of oxygen-depleting algae in the sea.

It then bought Abu Dhabi Land General Contracting Group in February as it shifted gears to focus on the property industry.

"Asmak, when it had started out, sounded like a great idea, but the company's vision has not really materialised," said Mr Yasin.

The stock, trading at Dh5.10, is down 36 per cent since the beginning of the year.

Investment banking

Shuaa Capital is the UAE's largest investment bank, which managed the $5bn IPO of the Dubai ports operator DP World in 2007. The bank has not had much luck at taking companies public since, with the Dubai retailer Axiom cancelling its listing the day before it was due to debut on the Nasdaq Dubai exchange in December.

Shuaa's brokerage activities have also declined. Volumes on traded equities in the country are at Dh36bn, almost half of what they were this time last year, as foreign investors sold shares of regional companies during the unrest in parts of the region.

The bank registered a loss of Dh26.3m in the first quarter of this year and said it would lay off 39 staff to cut costs.

Shares of the investment bank are down 26.6 per cent to 94 fils since January.

Dana Gas

Dana Gas was hit hard by the Egyptian revolution that forced out the president Hosni Mubarak as the country is the site of the majority of the company's production. Making matters worse, investors have become weary of the UAE gas explorer and producer's ability to collect its receivables from Iraq. The Kurdish regional government and the Iraq central government are in a long-running dispute about whether Kurdish gas export contracts are legal.

Dana's shares have lost 21 per cent since January to 61 fils, and were recently downgraded to "neutral" by experts at Nomura, the Japanese investment bank.

"We are not clear on the outlook for Dana Gas," said Scott Darling, an analyst with the lender. "With Egypt and Kurdistan receivables delayed or unresolved … we are increasingly cautious on the company's ability to manage its internal liquidity."

Tabreed

Air conditioning and district cooling is a necessity in the UAE, given its geography and climate, but shares of the indebted Tabreed declined 41.5 per cent to Dh1.03 in the past six months. The company posted a 21 per cent decline in profits to Dh31.9m for the first quarter in May but said it was confident it would meet its financial obligations.

The company reached an accord with creditors in February to refinance Dh2.63bn in debt through an injection of funds by Mubadala Development, a strategic investment company owned by the Abu Dhabi Government. Tabreed appointed Waleed Al Mokarrab Al Muhairi, the chief operating officer of Mubadala, as its new chairman in May following the debt restructuring.

Cricket World Cup League 2

UAE squad

Rahul Chopra (captain), Aayan Afzal Khan, Ali Naseer, Aryansh Sharma, Basil Hameed, Dhruv Parashar, Junaid Siddique, Muhammad Farooq, Muhammad Jawadullah, Muhammad Waseem, Omid Rahman, Rahul Bhatia, Tanish Suri, Vishnu Sukumaran, Vriitya Aravind

Fixtures

Friday, November 1 – Oman v UAE
Sunday, November 3 – UAE v Netherlands
Thursday, November 7 – UAE v Oman
Saturday, November 9 – Netherlands v UAE

MATCH INFO

Schalke 0

Werder Bremen 1 (Bittencourt 32')

Man of the match Leonardo Bittencourt (Werder Bremen)

Wicked
Director: Jon M Chu
Stars: Cynthia Erivo, Ariana Grande, Jonathan Bailey
Rating: 4/5
The specs
Engine: 2.7-litre 4-cylinder Turbomax
Power: 310hp
Torque: 583Nm
Transmission: 8-speed automatic
Price: From Dh192,500
On sale: Now
Hidden killer

Sepsis arises when the body tries to fight an infection but damages its own tissue and organs in the process.

The World Health Organisation estimates it affects about 30 million people each year and that about six million die.

Of those about three million are newborns and 1.2 are young children.

Patients with septic shock must often have limbs amputated if clots in their limbs prevent blood flow, causing the limbs to die.

Campaigners say the condition is often diagnosed far too late by medical professionals and that many patients wait too long to seek treatment, confusing the symptoms with flu. 

Kanguva
Director: Siva
Stars: Suriya, Bobby Deol, Disha Patani, Yogi Babu, Redin Kingsley
Rating: 2/5
 

Netherlands v UAE, Twenty20 International series

Saturday, August 3 - First T20i, Amstelveen
Monday, August 5 – Second T20i, Amstelveen​​​​​​​
Tuesday, August 6 – Third T20i, Voorburg​​​​​​​
Thursday, August 8 – Fourth T20i, Vooryburg

FROM%20THE%20ASHES
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What to watch out for:

Algae, waste coffee grounds and orange peels will be used in the pavilion's walls and gangways

The hulls of three ships will be used for the roof

The hulls will painted to make the largest Italian tricolour in the country’s history

Several pillars more than 20 metres high will support the structure

Roughly 15 tonnes of steel will be used

If you go
Where to stay: Courtyard by Marriott Titusville Kennedy Space Centre has unparalleled views of the Indian River. Alligators can be spotted from hotel room balconies, as can several rocket launch sites. The hotel also boasts cool space-themed decor.

When to go: Florida is best experienced during the winter months, from November to May, before the humidity kicks in.

How to get there: Emirates currently flies from Dubai to Orlando five times a week.
Dubai World Cup draw

1. Gunnevera

2. Capezzano

3. North America

4. Audible

5. Seeking The Soul

6. Pavel

7. Gronkowski

8. Axelrod

9. New Trails

10. Yoshida

11. K T Brave

12. Thunder Snow

13. Dolkong 

Singham Again

Director: Rohit Shetty

Stars: Ajay Devgn, Kareena Kapoor Khan, Ranveer Singh, Akshay Kumar, Tiger Shroff, Deepika Padukone

Rating: 3/5

'Falling%20for%20Christmas'
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Company%20Profile
%3Cp%3E%3Cstrong%3ECompany%20name%3A%20%3C%2Fstrong%3ENamara%0D%3Cbr%3E%3Cstrong%3EStarted%3A%20%3C%2Fstrong%3EJune%202022%0D%3Cbr%3E%3Cstrong%3EFounder%3A%20%3C%2Fstrong%3EMohammed%20Alnamara%0D%3Cbr%3E%3Cstrong%3EBased%3A%20%3C%2Fstrong%3EDubai%20%0D%3Cbr%3E%3Cstrong%3ESector%3A%20%3C%2Fstrong%3EMicrofinance%0D%3Cbr%3E%3Cstrong%3ECurrent%20number%20of%20staff%3A%20%3C%2Fstrong%3E16%0D%3Cbr%3E%3Cstrong%3EInvestment%20stage%3A%20%3C%2Fstrong%3ESeries%20A%0D%3Cbr%3E%3Cstrong%3EInvestors%3A%20%3C%2Fstrong%3EFamily%20offices%0D%3Cbr%3E%3C%2Fp%3E%0A
The specs

Engine: Dual 180kW and 300kW front and rear motors

Power: 480kW

Torque: 850Nm

Transmission: Single-speed automatic

Price: From Dh359,900 ($98,000)

On sale: Now

Company%20Profile
%3Cp%3E%3Cstrong%3ECompany%20name%3A%3C%2Fstrong%3E%20Cargoz%3Cbr%3E%3Cstrong%3EDate%20started%3A%3C%2Fstrong%3E%20January%202022%3Cbr%3E%3Cstrong%3EFounders%3A%3C%2Fstrong%3E%20Premlal%20Pullisserry%20and%20Lijo%20Antony%3Cbr%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20Dubai%3Cbr%3E%3Cstrong%3ENumber%20of%20staff%3A%3C%2Fstrong%3E%2030%3Cbr%3E%3Cstrong%3EInvestment%20stage%3A%3C%2Fstrong%3E%20Seed%3C%2Fp%3E%0A
The Details

Article 15
Produced by: Carnival Cinemas, Zee Studios
Directed by: Anubhav Sinha
Starring: Ayushmann Khurrana, Kumud Mishra, Manoj Pahwa, Sayani Gupta, Zeeshan Ayyub
Our rating: 4/5 

Company Profile

Company name: Fine Diner

Started: March, 2020

Co-founders: Sami Elayan, Saed Elayan and Zaid Azzouka

Based: Dubai

Industry: Technology and food delivery

Initial investment: Dh75,000

Investor: Dtec Startupbootcamp

Future plan: Looking to raise $400,000

Total sales: Over 1,000 deliveries in three months

India cancels school-leaving examinations
Nayanthara: Beyond The Fairy Tale

Starring: Nayanthara, Vignesh Shivan, Radhika Sarathkumar, Nagarjuna Akkineni

Director: Amith Krishnan

Rating: 3.5/5

ON%20TRACK
%3Cp%3EThe%20Dubai%20Metaverse%20Assembly%20will%20host%20three%20main%20tracks%3A%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EEducate%3A%3C%2Fstrong%3E%20Consists%20of%20more%20than%2010%20in-depth%20sessions%20on%20the%20metaverse%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EInspire%3A%3C%2Fstrong%3E%20Will%20showcase%20use%20cases%20of%20the%20metaverse%20in%20tourism%2C%20logistics%2C%20retail%2C%20education%20and%20health%20care%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EContribute%3A%3C%2Fstrong%3E%20Workshops%20for%20metaverse%20foresight%20and%20use-case%20reviews%3C%2Fp%3E%0A