Pakistanis protest against the International Monetary Fund as their government engages in talks with the organisation.
Pakistanis protest against the International Monetary Fund as their government engages in talks with the organisation.

Islamabad scrambles to prevent bankruptcy



ISLAMABAD // Pakistan is clamping down on foreign exchange dealers in a bid to stem the flow of capital leaving the country as it teeters on the verge of bankruptcy. The government, led by the Pakistan People's Party, has taken controversial measures to restore international confidence in its economic policies before important meetings next week. Pakistan needs a rapid injection of US$4billion (Dh14.7bn) to prevent it defaulting on debts by the end of the month. Pakistan is facing a balance-of-payments crisis and has been in talks with the International Monetary Fund. Officials said they hope to avoid having to go to the IMF for money and are trying to secure help from allies and other multilateral lenders who are expected to meet in Abu Dhabi next week. Shaukat Tarin, Pakistan's economic chief, whose official title is adviser to the prime minister on the economy, gave warning yesterday that Pakistan's economy was in dire condition and that the country has to "swallow the bitter pill of financial help". He said the stock exchange's market value had fallen by 40 per cent and that inflation was running at 25 per cent. He blamed the economic crisis on "excessive borrowing" from the central bank by the previous government of Pervez Musharraf. The central bank's reserves are equivalent to a little more than October's import bill of $3.46bn. Big payments for oil and wheat have been major factors behind Pakistan's widening trade deficit. Pakistan's ambassador to Washington, Hussain Haqqani, told The Boston Globe this week that the United States must bail out Pakistan for it to continue its expensive military operations in the US-led "war on terror". Mr Tarin said Pakistan would strike a final deal with the IMF within 10 to 15 days. He added that Pakistan needs the IMF's endorsement if not its financial support, to restore confidence of the international institutions. Mr Tarin said this week that the IMF's conditions were "not too tough". The IMF is reported to be demanding that the Pakistan raise interest rates by 100 basis points to 150 basis points, set a fiscal deficit target of 3.9 per cent of gross domestic product and raise the bar on tax revenue collection. The Friends of Pakistan group is meeting in Abu Dhabi on Monday. Originally a meeting on the security issues that dog Pakistan, it is likely to become a forum for discussion on how to help Pakistan strengthen its economy. Britain, one of the group's members, has announced that it will offer help to ensure Pakistan's bid for IMF support is successful. "We have announced a £12.4 million [Dh71m] tax-reform package designed to reduce tax evasion, increase low levels of tax revenue and increase confidence in the Pakistani government from its people," said a spokesman for Britain's department for international development. "This package will include the creation of new tax collection centres and the increase of random spot checks on large companies to encourage them to fully declare their tax liabilities," he added. Pakistan instigated a crackdown on foreign currency flight by suspending the licences of a prominent foreign exchange company this week. It was part of an investigation into illegal transfers abroad that comes as the country faces a sharp fall in foreign reserves. Police said last weekend that investigators had arrested four foreign currency dealers on suspicion of illegally sending money abroad. Among the four were two of the top officials of Khanani and Kalia International, police said. Newspapers have reported that $10bn had been illegally transferred out of the country in one year. In May, the state bank of Pakistan stopped exchange companies from sending cash abroad in euros, US dollars, UK pounds sterling and UAE dirhams in an effort to stabilise the rupee. Officials say that the activities of Munaf Kalia and Javed Khanani - arrested in Karachi and Lahore respectively - may have contributed to a big reduction of the country's foreign exchange reserves, which have depleted to below $7bn today from more than $16bn in Oct 2007. The authorities say the flood of money out of the country has also caused an enormous drop in the value of the rupee. At the beginning of the year it was trading at 65 rupees to the US dollar. Last month it fell to a record low of 90 to the dollar. However, the foreign exchange association of Pakistan has raised objections to the arrests. "The firm swooped upon is Pakistan's biggest and most reputable. When the trial opens, the claim made by FIA [Federal Investigation Agency] will be put to the test," stated an editorial in The Daily Times. The Pakistani newspaper pointed out that the country's currency exchange business has become paralysed. "Other 'currency dealers' have closed their shops out of fear and even the legally allowed 'currency exchange' is mostly shut down," it added. iwilkinson@thenational.ae

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COMPANY PROFILE
Name: Kumulus Water
 
Started: 2021
 
Founders: Iheb Triki and Mohamed Ali Abid
 
Based: Tunisia 
 
Sector: Water technology 
 
Number of staff: 22 
 
Investment raised: $4 million 
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Match info

Deccan Gladiators 87-8

Asif Khan 25, Dwayne Bravo 2-16

Maratha Arabians 89-2

Chadwick Walton 51 not out

Arabians won the final by eight wickets

LA LIGA FIXTURES

Friday (UAE kick-off times)

Real Sociedad v Leganes (midnight)

Saturday

Alaves v Real Valladolid (4pm)

Valencia v Granada (7pm)

Eibar v Real Madrid (9.30pm)

Barcelona v Celta Vigo (midnight)

Sunday

Real Mallorca v Villarreal (3pm)

Athletic Bilbao v Levante (5pm)

Atletico Madrid v Espanyol (7pm)

Getafe v Osasuna (9.30pm)

Real Betis v Sevilla (midnight)

The Africa Institute 101

Housed on the same site as the original Africa Hall, which first hosted an Arab-African Symposium in 1976, the newly renovated building will be home to a think tank and postgraduate studies hub (it will offer master’s and PhD programmes). The centre will focus on both the historical and contemporary links between Africa and the Gulf, and will serve as a meeting place for conferences, symposia, lectures, film screenings, plays, musical performances and more. In fact, today it is hosting a symposium – 5-plus-1: Rethinking Abstraction that will look at the six decades of Frank Bowling’s career, as well as those of his contemporaries that invested social, cultural and personal meaning into abstraction. 

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TEACHERS' PAY - WHAT YOU NEED TO KNOW

Pay varies significantly depending on the school, its rating and the curriculum. Here's a rough guide as of January 2021:

- top end schools tend to pay Dh16,000-17,000 a month - plus a monthly housing allowance of up to Dh6,000. These tend to be British curriculum schools rated 'outstanding' or 'very good', followed by American schools

- average salary across curriculums and skill levels is about Dh10,000, recruiters say

- it is becoming more common for schools to provide accommodation, sometimes in an apartment block with other teachers, rather than hand teachers a cash housing allowance

- some strong performing schools have cut back on salaries since the pandemic began, sometimes offering Dh16,000 including the housing allowance, which reflects the slump in rental costs, and sheer demand for jobs

- maths and science teachers are most in demand and some schools will pay up to Dh3,000 more than other teachers in recognition of their technical skills

- at the other end of the market, teachers in some Indian schools, where fees are lower and competition among applicants is intense, can be paid as low as Dh3,000 per month

- in Indian schools, it has also become common for teachers to share residential accommodation, living in a block with colleagues

The specs: 2018 Genesis G70

Price, base / as tested: Dh155,000 / Dh205,000

Engine: 3.3-litre, turbocharged V6

Gearbox: Eight-speed automatic

Power: 370hp @ 6,000rpm

Torque: 510Nm @ 1,300rpm

Fuel economy, combined: 10.6L / 100km

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

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