Al Ittihad's Fabinho celebrates after the 1-0 victory over local rivals Al Ahli at King Abdullah Sports City in Jeddah. Photo: Saudi Pro League
Al Ittihad's Fabinho celebrates after the 1-0 victory over local rivals Al Ahli at King Abdullah Sports City in Jeddah. Photo: Saudi Pro League
Al Ittihad's Fabinho celebrates after the 1-0 victory over local rivals Al Ahli at King Abdullah Sports City in Jeddah. Photo: Saudi Pro League
Al Ittihad's Fabinho celebrates after the 1-0 victory over local rivals Al Ahli at King Abdullah Sports City in Jeddah. Photo: Saudi Pro League

Al Ittihad v Al Ahli: Fabinho savours first Sea Derby victory


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It was a case of third time's a charm for Fabinho as the Brazilian finally savoured the taste of victory for Al Ittihad in the Sea Derby.

Al Ahli did the double over their Jeddah rivals last season but Saleh Al Shehri’s first-half goal settled the match at a bouncing King Abdullah Sports City.

The win took Ittihad level with Al Hilal on 24 points at the top of the Saudi Pro League table. Reigning champions Hilal take on Riyadh rivals Al Nassr in the second game of the league's inaugural Derby Week on Friday.

“Feels very good,” Fabinho said. “We needed to win a big game and it’s good this win came in the derby.”

Al Shehri made the most of a rare start ahead of captain Karim Benzema who was ruled out of the match injured.

“We played a very good game and I’m happy, not only with the win, but with the way we played, the way we defended,” Fabinho told the SPL website. “In the second half we knew that we needed to defend together, to fight together. Yes, it was hard but a very deserved three points.”

Saudi Arabian duo Abdulelah Al Amri and Saad Al Mousa were superb for the hosts, the former contributing one of the moments of the match when he slid in to clear Ivan Toney’s goal-bound effort from under the Al Ittihad crossbar. That came right at the beginning of the second half, when Al Ahli pushed for parity.

Al Amri, a summer signing alongside the likes of Diaby, Houssem Aouar and Steven Bergwijn, celebrated his block like he had scored a goal himself. The majority of the near-53,000 in attendance did likewise. Al Amri was later voted man of the match.

“It’s always important to keep a clean sheet in a game like this; we’re playing against very good players like [Riyad] Mahrez, [Roberto] Firmino, Toney” said Fabinho, who together in midfield with the irrepressible N’Golo Kante, provided the defence with an additional layer of protection.

“It’s something that makes us have to keep a clean sheet, playing against very good players like this. So, it’s always important to support our offensive side.

“Our offensive players are playing very well, scoring a lot of goals, but in some games we as a defence need to be strong and to close the fight to take the three points. And we did that.”

The victory made it eight wins from nine for Laurent Blanc’s men. “This moment is really good for us,” added Fabinho, who joined Ittihad from Liverpool in the summer of 2023. “The team is improving, is getting better each week, is getting the results, and that’s important as well.”

UAE currency: the story behind the money in your pockets
COMPANY%20PROFILE%20
%3Cp%3E%3Cstrong%3EName%3A%3C%2Fstrong%3E%20Haltia.ai%0D%3Cbr%3E%3Cstrong%3EStarted%3A%3C%2Fstrong%3E%202023%0D%3Cbr%3E%3Cstrong%3ECo-founders%3A%3C%2Fstrong%3E%20Arto%20Bendiken%20and%20Talal%20Thabet%0D%3Cbr%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20Dubai%2C%20UAE%0D%3Cbr%3E%3Cstrong%3EIndustry%3A%3C%2Fstrong%3E%20AI%0D%3Cbr%3E%3Cstrong%3ENumber%20of%20employees%3A%3C%2Fstrong%3E%2041%0D%3Cbr%3E%3Cstrong%3EFunding%3A%3C%2Fstrong%3E%20About%20%241.7%20million%0D%3Cbr%3E%3Cstrong%3EInvestors%3A%3C%2Fstrong%3E%20Self%2C%20family%20and%20friends%26nbsp%3B%3C%2Fp%3E%0A
'Gehraiyaan'
Director:Shakun Batra

Stars:Deepika Padukone, Siddhant Chaturvedi, Ananya Panday, Dhairya Karwa

Rating: 4/5

Company%20Profile
%3Cp%3E%3Cstrong%3EName%3A%3C%2Fstrong%3E%20Raha%3Cbr%3E%3Cstrong%3EStarted%3A%3C%2Fstrong%3E%202022%3Cbr%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20Kuwait%2FSaudi%3Cbr%3E%3Cstrong%3EIndustry%3A%3C%2Fstrong%3E%20Tech%20Logistics%3Cbr%3E%3Cstrong%3EFunding%3A%3C%2Fstrong%3E%20%2414%20million%3Cbr%3E%3Cstrong%3EInvestors%3A%3C%2Fstrong%3E%20Soor%20Capital%2C%20eWTP%20Arabia%20Capital%2C%20Aujan%20Enterprises%2C%20Nox%20Management%2C%20Cedar%20Mundi%20Ventures%3Cbr%3E%3Cstrong%3ENumber%20of%20employees%3A%3C%2Fstrong%3E%20166%3C%2Fp%3E%0A
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Always use only regulated platforms

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Courtesy: Crystal Intelligence

Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

UPI facts

More than 2.2 million Indian tourists arrived in UAE in 2023
More than 3.5 million Indians reside in UAE
Indian tourists can make purchases in UAE using rupee accounts in India through QR-code-based UPI real-time payment systems
Indian residents in UAE can use their non-resident NRO and NRE accounts held in Indian banks linked to a UAE mobile number for UPI transactions

AndhaDhun

Director: Sriram Raghavan

Producer: Matchbox Pictures, Viacom18

Cast: Ayushmann Khurrana, Tabu, Radhika Apte, Anil Dhawan

Rating: 3.5/5

Updated: November 01, 2024, 1:14 PM`