Jamal Al Kishi was appointed chief executive of Deutsche Bank’s operations in the Middle East and Africa in February, at a time when the German banking leader was facing challenges in its international businesses and threats from American regulators. In his first interview since taking the job, Mr Al Kishi, a career banker in his native Saudi Arabia, gives his view of the global economic environment, the financial challenges facing Deutsche and its long-term role in the UAE banking scene.
How do you view the world economic background to Deutsche’s business?
There is an increased risk profile and anxiety in the global macro picture. The pace of growth in China and other emerging market economies has slowed, but there are signs of bottoming across several large economies and we expect a moderate growth pick-up in 2017. The US is growing anaemically, not fast enough to be the locomotive of the global economy. Trade and commodities are down and equities are volatile. Furthermore, the geopolitical scene is not conducive to optimism. But there are some positive elements. There is some form of stabilisation in commodity and oil markets and now we think the oil price might finish the year nearer to US$60 than $20. Our previous estimate was $45, and now we think that might be conservative.
Some European banks view the UK’s Brexit vote as an opportunity to win business from London. How do you see it?
Brexit has caused great uncertainty and that is not positive for a globally networked economy. The UK is weaker without Europe, and Europe is weaker without the UK. I hope the Brexit negotiations are done in a thoughtful manner. We are still not clear on what structure there will be to future EU-UK relations. Deutsche employs over 8,000 people in the UK and is one of the largest employers in the City. As a bank headquartered in Germany and with a strong presence in the UK, we are well prepared to mitigate the consequences of the UK leaving the EU. We have a base and an infrastructure ready and waiting for us in Frankfurt should a move prove necessary.
The American authorities have suggested a fine as high as US$14 billion as a punishment for mis-selling certain securities. What’s the latest?
With regard to the fines that have been talked about for us, I can only say we are in constructive discussions with the Department of Justice and we are working hard on achieving a resolution of the matter as soon as possible.
When the possible scale of the fine was revealed, it caused worries about Deutsche’s financial health. Was this justified?
Deutsche Bank is fundamentally a much safer and more secure organisation than it was before the global financial crisis. Since then, we have more than doubled our shareholder capital, our balance sheet has been reduced and we have increased liquidity reserves. Over 70 per cent of the balance sheet is funded by long-term, diversified stable sources. Our share price has been impacted by our ongoing negotiations with the DoJ, concerns around Brexit and continued weakness in the euro-zone economies – our home base, if you like. But we do not see a need for further capital raising, not at this time. We have sufficient capital, and have provisioned for future expenses related to litigation. And, of course, the engine is still working. The results of the third quarter demonstrate the operating strengths of our business.
[The bank reported a net profit for the quarter of €1.47bn (Dh5.97bn), up by 78.1 per cent from a year earlier.]
Deutsche is in the middle of a downsizing exercise involving withdrawal from some global markets. Will this affect the Middle East business?
Our commitment to this region is undiminished. If anything, we see the merit in investing further here. We were involved in the sovereign bonds in Saudi and Qatar. We were joint lead manager on DP World’s $1.2bn sukuk and Pakistan’s $1bn sukuk this year and see more of this kind of business coming, in sovereign and corporate debt. We are recognised as having a leading trade finance, cash management and custody platform across the region.
Tell me more about Saudi Arabia, where you have strong relationships.
We’re very bullish about the outlook that’s been created by the Vision 2030 strategy. It shows the dynamism and the will to reform and modernise the country. As a Saudi, it’s especially gratifying for me and it will create opportunities for banks like us across the board: equity and debt capital markets, M&A, structured finance and forex. I’m still the CEO of the Deutsche Saudi operation so that gives me a hands-on role in all that’s happening there.
How do you see the macro-environment in the UAE?
Here I think some have taken too pessimistic a view on the effect of the oil decline and in particular the effect on some high levels of debt. Of course, prices are down and there is fiscal pressure on governments, so it’s natural the credit portfolios of some banks are under some strain. But the system is robust enough to withstand this and resume its upward trajectory. It is nothing like as bad as 2009. It’s not even appropriate to compare it with that time.
What are the top items in your in-tray for UAE business?
The pipeline of UAE activity into 2017 is robust along our traditional lines of business. We’re seeing good opportunities in infrastructure finance and export credit agency financing, which is in line with Dubai’s Expo 2020 strategy. We’re involved in various M&A and structured finance discussions in the UAE. Additionally, we are very determined in our wealth management business, where we focus on very wealthy clients. We have invested significantly in our Dubai offices and feel well positioned for continued growth in this important sector.
Will Dubai creditors be able to restructure obligations where necessary?
We think they will. The new insolvency law seems to strike a good balance, taking into account the interests of both debtors and creditors. It reportedly has a broad range of clauses for creditors around restructuring. So a good move in the right direction in our view.
What is the Deutsche take on the UAE equity market? Will there be an upturn in market activity next year?
Most Mena markets have struggled for direction this year, with Saudi Arabia the notable exception with a double-digit decline. Next year, we expect the oil price to recover on the back of tighter supply and demand conditions. This will set the scene for a more positive backdrop and we expect market participants to regain confidence in the region’s long-term growth potential. As a result Mena equities should enjoy a more positive trend in 2017.
What is the bank’s view on the Abu Dhabi Global Market?
We’ve been watching the steady progress of ADGM with interest and have been impressed with the way they have cautiously and without haste implemented their strategy, which is in line with Abu Dhabi’s own 2030 strategy towards economic diversification. We are confident that as a founding member of the DIFC and with an existing branch office in Abu Dhabi, we are well positioned to capitalise on future business opportunities here in the UAE.
fkane@thenational.ae
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Company%20Profile
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The Perfect Couple
Starring: Nicole Kidman, Liev Schreiber, Jack Reynor
Creator: Jenna Lamia
Rating: 3/5
COMPANY%20PROFILE
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Greatest of All Time
Starring: Vijay, Sneha, Prashanth, Prabhu Deva, Mohan
Company%C2%A0profile
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EMILY%20IN%20PARIS%3A%20SEASON%203
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The bio
Favourite food: Japanese
Favourite car: Lamborghini
Favourite hobby: Football
Favourite quote: If your dreams don’t scare you, they are not big enough
Favourite country: UAE
Apple%20Mac%20through%20the%20years
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MEDIEVIL%20(1998)
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Getting there
Flydubai flies direct from Dubai to Tbilisi from Dh1,025 return including taxes
UAE currency: the story behind the money in your pockets
TICKETS
Tickets start at Dh100 for adults, while children can enter free on the opening day. For more information, visit www.mubadalawtc.com.
THE SPECS
Engine: 1.5-litre turbocharged four-cylinder
Transmission: Constant Variable (CVT)
Power: 141bhp
Torque: 250Nm
Price: Dh64,500
On sale: Now
What is dialysis?
Dialysis is a way of cleaning your blood when your kidneys fail and can no longer do the job.
It gets rid of your body's wastes, extra salt and water, and helps to control your blood pressure. The main cause of kidney failure is diabetes and hypertension.
There are two kinds of dialysis — haemodialysis and peritoneal.
In haemodialysis, blood is pumped out of your body to an artificial kidney machine that filter your blood and returns it to your body by tubes.
In peritoneal dialysis, the inside lining of your own belly acts as a natural filter. Wastes are taken out by means of a cleansing fluid which is washed in and out of your belly in cycles.
It isn’t an option for everyone but if eligible, can be done at home by the patient or caregiver. This, as opposed to home haemodialysis, is covered by insurance in the UAE.
List of alleged parties
May 12, 2020: PM and his wife Carrie attend 'work meeting' with at least 17 staff
May 20, 2020: They attend 'bring your own booze party'
Nov 27, 2020: PM gives speech at leaving party for his staff
Dec 10, 2020: Staff party held by then-education secretary Gavin Williamson
Dec 13, 2020: PM and his wife throw a party
Dec 14, 2020: London mayoral candidate Shaun Bailey holds staff event at Conservative Party headquarters
Dec 15, 2020: PM takes part in a staff quiz
Dec 18, 2020: Downing Street Christmas party
MATCH INFO
Quarter-finals
Saturday (all times UAE)
England v Australia, 11.15am
New Zealand v Ireland, 2.15pm
Sunday
Wales v France, 11.15am
Japan v South Africa, 2.15pm
Blackpink World Tour [Born Pink] In Cinemas
Starring: Rose, Jisoo, Jennie, Lisa
Directors: Min Geun, Oh Yoon-Dong
Rating: 3/5
Company%20Profile
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Company%20profile
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The specs
Engine: 1.5-litre turbo
Power: 181hp
Torque: 230Nm
Transmission: 6-speed automatic
Starting price: Dh79,000
On sale: Now
How the UAE gratuity payment is calculated now
Employees leaving an organisation are entitled to an end-of-service gratuity after completing at least one year of service.
The tenure is calculated on the number of days worked and does not include lengthy leave periods, such as a sabbatical. If you have worked for a company between one and five years, you are paid 21 days of pay based on your final basic salary. After five years, however, you are entitled to 30 days of pay. The total lump sum you receive is based on the duration of your employment.
1. For those who have worked between one and five years, on a basic salary of Dh10,000 (calculation based on 30 days):
a. Dh10,000 ÷ 30 = Dh333.33. Your daily wage is Dh333.33
b. Dh333.33 x 21 = Dh7,000. So 21 days salary equates to Dh7,000 in gratuity entitlement for each year of service. Multiply this figure for every year of service up to five years.
2. For those who have worked more than five years
c. 333.33 x 30 = Dh10,000. So 30 days’ salary is Dh10,000 in gratuity entitlement for each year of service.
Note: The maximum figure cannot exceed two years total salary figure.
The specs
Engine: 2.7-litre 4-cylinder Turbomax
Power: 310hp
Torque: 583Nm
Transmission: 8-speed automatic
Price: From Dh192,500
On sale: Now
The%20Beekeeper
%3Cp%3E%3Cstrong%3EDirector%3A%20%3C%2Fstrong%3EDavid%20Ayer%C2%A0%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarring%3A%20%3C%2Fstrong%3EJason%20Statham%2C%20Josh%20Hutcherson%2C%20Emmy%20Raver-Lampman%2C%20Minnie%20Driver%2C%20Jeremy%20Irons%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%20%3C%2Fstrong%3E3%2F5%3C%2Fp%3E%0A
Long Shot
Director: Jonathan Levine
Starring: Charlize Theron, Seth Rogan
Four stars
BORDERLANDS
Starring: Cate Blanchett, Kevin Hart, Jamie Lee Curtis
Director: Eli Roth
Rating: 0/5
The specs: 2018 Opel Mokka X
Price, as tested: Dh84,000
Engine: 1.4L, four-cylinder turbo
Transmission: Six-speed auto
Power: 142hp at 4,900rpm
Torque: 200Nm at 1,850rpm
Fuel economy, combined: 6.5L / 100km
The specs
Engine: 2-litre or 3-litre 4Motion all-wheel-drive Power: 250Nm (2-litre); 340 (3-litre) Torque: 450Nm Transmission: 8-speed automatic Starting price: From Dh212,000 On sale: Now
Expert input
If you had all the money in the world, what’s the one sneaker you would buy or create?
“There are a few shoes that have ‘grail’ status for me. But the one I have always wanted is the Nike x Patta x Parra Air Max 1 - Cherrywood. To get a pair in my size brand new is would cost me between Dh8,000 and Dh 10,000.” Jack Brett
“If I had all the money, I would approach Nike and ask them to do my own Air Force 1, that’s one of my dreams.” Yaseen Benchouche
“There’s nothing out there yet that I’d pay an insane amount for, but I’d love to create my own shoe with Tinker Hatfield and Jordan.” Joshua Cox
“I think I’d buy a defunct footwear brand; I’d like the challenge of reinterpreting a brand’s history and changing options.” Kris Balerite
“I’d stir up a creative collaboration with designers Martin Margiela of the mixed patchwork sneakers, and Yohji Yamamoto.” Hussain Moloobhoy
“If I had all the money in the world, I’d live somewhere where I’d never have to wear shoes again.” Raj Malhotra
Company%20Profile
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The Pope's itinerary
Sunday, February 3, 2019 - Rome to Abu Dhabi
1pm: departure by plane from Rome / Fiumicino to Abu Dhabi
10pm: arrival at Abu Dhabi Presidential Airport
Monday, February 4
12pm: welcome ceremony at the main entrance of the Presidential Palace
12.20pm: visit Abu Dhabi Crown Prince at Presidential Palace
5pm: private meeting with Muslim Council of Elders at Sheikh Zayed Grand Mosque
6.10pm: Inter-religious in the Founder's Memorial
Tuesday, February 5 - Abu Dhabi to Rome
9.15am: private visit to undisclosed cathedral
10.30am: public mass at Zayed Sports City – with a homily by Pope Francis
12.40pm: farewell at Abu Dhabi Presidential Airport
1pm: departure by plane to Rome
5pm: arrival at the Rome / Ciampino International Airport
COMPANY%20PROFILE%20
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BEETLEJUICE BEETLEJUICE
Starring: Winona Ryder, Michael Keaton, Jenny Ortega
Director: Tim Burton
Rating: 3/5