A year and a half after Dubai World's debt standstill, the emirate has made much progress in reorganising its finances. AP Photo/Kamran Jebreili
A year and a half after Dubai World's debt standstill, the emirate has made much progress in reorganising its finances. AP Photo/Kamran Jebreili

True grit helps Dubai settle down



Dubai World asked its banks for some breathing-space more than 18 months ago while it started talks to extend repayment of about US$25 billion (Dh91.82bn) of debt.

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Because the company is government-owned and a central player in Dubai's development, Dubai World's problems sent tremors through global markets and put investors on notice that the emirate, like other places where easy lending fuelled unsustainable asset-price bubbles, needed a little help.

Dubai had already lined up $10bn of loans from the Central Bank to help to keep companies deemed strategically important in business. But the Dubai World restructuring was nevertheless a seminal event in the UAE's post-financial-crisis narrative.

Unsurprisingly perhaps, much has changed about Dubai and about business in the emirate since the financial crisis.

Gone are the go-go days when developers launched plans for overly grand projects by the dozen. Gone, too, are the financial tools Dubai exploited to expand at such a rapid pace.

The international investors eager to buy bonds at low rates of interest and with short tenures are also a distant memory, as is the competition among banks to lend to the conglomerate.

A year and a half later, the focus in Dubai has narrowed on practicality and traditional grit. The emirate's established merchant class is helping to clean up the financial mess made by a generation of younger, more daring entrepreneurs who reinvented Dubai city with borrowed money.

Company boards have been shaken up, and Dubai's Supreme Fiscal Committee - a group formed after the crisis - is increasingly central in the emirate's financial hierarchy. Its members include Sheikh Ahmed bin Saeed Al Maktoum, who made Emirates Airline into a global aviation force, and Mohammed al Shaibani, a stalwart of the local business community.

The new managers of Dubai's state businesses have made considerable progress in the past 18 months. They have successfully renegotiated Dubai World's $24.9bn debt, extending its old borrowings into new loans that mature in five and eight years.

Nakheel, the government-owned developer behind Dubai's palm-shaped islands, is undergoing a separate restructuring and is expected to issue an Islamic bond to contractors to which it owes money. It has already paid out billions of dirhams in cash to settle some claims.

That said, much more terrain is left to cover. Nakheel is facing numerous challenges in the Dubai World Tribunal, a special court set up to handle claims against Dubai World and its subsidiaries, such as Nakheel, which is also under pressure from thousands of individual investors and property owners who say they have been left in the lurch by a failure to complete projects as planned.

Together, these people have invested billions of dirhams in Nakheel-built projects - and have made their discontent clear. The company is trying to help by transferring investments in stalled projects to ones that are going forward.

As Dubai World and Nakheel try to put their finances in order, other parts of Dubai's business empire have shown signs of stress.

Divisions of Dubai Holding, the personal investment vehicle of Sheikh Mohammed bin Rashid, the Vice President of the UAE and Ruler of Dubai, have started their own restructuring talks.

The Investment Corporation of Dubai (ICD), a government arm that owns Emirates Airline and Emirates NBD, the country's largest bank, is also refinancing debt.

Haissam Arabi, the chief executive of Gulfmena Investments, said the bulk of Dubai's financial trouble had been disposed of with the resolution of Dubai World's restructuring. The important question now, he said, was how well the emirate's property market would fare.

"A year and a half later, we are in a much better position because this is now behind us," he said. "There has been a precedent of how to deal with restructuring and everyone's following suit.

"I think we are definitely in a much better place, but where the overhang is coming from is we still have a high concentration on real estate, which is where most people put their money in the last few years," he said.

Disclaimer

Director: Alfonso Cuaron 

Stars: Cate Blanchett, Kevin Kline, Lesley Manville 

Rating: 4/5

COMPANY%20PROFILE
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Profile of Foodics

Founders: Ahmad AlZaini and Mosab AlOthmani

Based: Riyadh

Sector: Software

Employees: 150

Amount raised: $8m through seed and Series A - Series B raise ongoing

Funders: Raed Advanced Investment Co, Al-Riyadh Al Walid Investment Co, 500 Falcons, SWM Investment, AlShoaibah SPV, Faith Capital, Technology Investments Co, Savour Holding, Future Resources, Derayah Custody Co.

UAE FIXTURES

October 18 – 7.30pm, UAE v Oman, Zayed Cricket Stadium, Abu Dhabi
October 19 – 7.30pm, UAE v Ireland, Zayed Cricket Stadium, Abu Dhabi
October 21 – 2.10pm, UAE v Hong Kong, Zayed Cricket Stadium, Abu Dhabi
October 22 – 2.10pm, UAE v Jersey, Zayed Cricket Stadium, Abu Dhabi
October 24 – 10am, UAE v Nigeria, Abu Dhabi Cricket Oval 1
October 27 – 7.30pm, UAE v Canada, Zayed Cricket Stadium, Abu Dhabi

October 29 – 2.10pm, Playoff 1 – A2 v B3; 7.30pm, Playoff 2 – A3 v B2, at Dubai International Stadium.
October 30 – 2.10pm, Playoff 3 – A4 v Loser of Play-off 1; 7.30pm, Playoff 4 – B4 v Loser of Play-off 2 at Dubai International Stadium

November 1 – 2.10pm, Semifinal 1 – B1 v Winner of Play-off 1; 7.30pm, Semifinal 2 – A1 v Winner of Play-off 2 at Dubai International Stadium
November 2 – 2.10pm, Third place Playoff – B1 v Winner of Play-off 1; 7.30pm, Final, at Dubai International Stadium

Winners

Best Men's Player of the Year: Kylian Mbappe (PSG)

Maradona Award for Best Goal Scorer of the Year: Robert Lewandowski (Bayern Munich)

TikTok Fans’ Player of the Year: Robert Lewandowski

Top Goal Scorer of All Time: Cristiano Ronaldo (Manchester United)

Best Women's Player of the Year: Alexia Putellas (Barcelona)

Best Men's Club of the Year: Chelsea

Best Women's Club of the Year: Barcelona

Best Defender of the Year: Leonardo Bonucci (Juventus/Italy)

Best Goalkeeper of the Year: Gianluigi Donnarumma (PSG/Italy)

Best Coach of the Year: Roberto Mancini (Italy)

Best National Team of the Year: Italy 

Best Agent of the Year: Federico Pastorello

Best Sporting Director of the Year: Txiki Begiristain (Manchester City)

Player Career Award: Ronaldinho

List of officials:

Referees: Chris Broad, David Boon, Jeff Crowe, Andy Pycroft, Ranjan Madugalle and Richie Richardson.

Umpires: Aleem Dar, Kumara Dharmasena, Marais Erasmus, Chris Gaffaney, Ian Gould, Richard Illingworth, Richard Kettleborough, Nigel Llong, Bruce Oxenford, Ruchira Palliyaguruge, Sundaram Ravi, Paul Reiffel, Rod Tucker, Michael Gough, Joel Wilson and Paul Wilson.

The five pillars of Islam

1. Fasting

2. Prayer

3. Hajj

4. Shahada

5. Zakat 

The specs

Engine: 1.5-litre turbo

Power: 181hp

Torque: 230Nm

Transmission: 6-speed automatic

Starting price: Dh79,000

On sale: Now

SPECS

Engine: Two-litre four-cylinder turbo
Power: 235hp
Torque: 350Nm
Transmission: Nine-speed automatic
Price: From Dh167,500 ($45,000)
On sale: Now

Nayanthara: Beyond The Fairy Tale

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

Director: Amith Krishnan

Rating: 3.5/5

Racecard
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