China looms large on GCC interest rates



The links between the currencies of the GCC and the US essentially gives us a one-size-fits-all monetary policy. By following the US Federal Reserve, short-term interest rates in the UAE have broadly chased the federal funds rate. If and when the US tightens, all indications are that the GCC will follow suit. Notwithstanding the differentiated macro-economies and incongruous inflation expectations, it seems the GCC may well wait on the US before it makes any move this time around.

However important is the US to the region's markets, we would like to draw attention to the bigger picture. The current story lies in Chinese tightening. It was reported last week that the People's Bank of China (PBoC) raised the reserve requirement ratio for its banks by 0.5 per cent, probably marking the onset of a long and winding phase of monetary contraction, especially given China's resistance to appreciating its yuan.

For all we know, China may choose to continue tightening, pre-empting an overheating economy, while quantitative easing continues in the US. Current rates of US resource utilisation as well as inflation trends and expectations continue to warrant a loose monetary policy for a period conceivably extending beyond the middle of this year. This may well leave us a with a window of three to six months, during which PBoC tightens but not the Fed.

Lately, China has been the primary driver of increases in global liquidity. Once that slows, it could trigger a re-pricing of assets globally. Chinese tightening, or the expectations of it, may set the agenda for a broad correction in prices of risky assets, with ripples spreading from the Pacific Rim to all emerging markets and then globally. As risks for equities and commodities could lie on the downside, a Chinese monetary tightening could create a challenging situation for the region. The Gulf equity markets have diverted from their Asian counterparts during the recovery phase as home-grown risk factors surfaced.

In the absence of a strong home-grown catalyst, the region's markets are still looking for the impetus they need to continue normalising. The question is whether any renewed bearishness in risky assets will be shadowed by the GCC equity markets, thus putting off their rally for a while. Dr Salwa Hammami Labib is the senior economist and Nick Groene is the director of treasury at Arqaam Capital.

The White Lotus: Season three

Creator: Mike White

Starring: Walton Goggins, Jason Isaacs, Natasha Rothwell

Rating: 4.5/5

Election pledges on migration

CDU: "Now is the time to control the German borders and enforce strict border rejections" 

SPD: "Border closures and blanket rejections at internal borders contradict the spirit of a common area of freedom" 

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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.”

Company name: Farmin

Date started: March 2019

Founder: Dr Ali Al Hammadi 

Based: Abu Dhabi

Sector: AgriTech

Initial investment: None to date

Partners/Incubators: UAE Space Agency/Krypto Labs