BANKING & FINANCE

Banking Regulations and Compliance
Our team provides expert legal advice on UAE banking regulations, ensuring our clients' compliance with licensing requirements, anti-money laundering (AML), and know-your-customer (KYC) obligations. We conduct thorough due diligence and risk assessments to ensure adherence to both local and international financial regulations. We provide comprehensive legal advice and support to ensure our clients' compliance with a wide range of banking regulations. This includes:

Licensing Requirements
Assisting clients in obtaining the necessary licenses and permits from regulatory authorities such as the UAE Central Bank, DFSA, and ADGM Financial Services Regulatory Authority.

Anti-Money Laundering (AML) and Know-Your-Customer (KYC) Compliance
Conducting thorough due diligence and risk assessments to ensure compliance with AML and KYC regulations, including implementing appropriate policies and procedures.

Regulatory Filings and Reporting
Assisting clients in preparing and filing regulatory reports and disclosures required by banking regulators.

Regulatory Updates and Training
Keeping clients informed about changes in banking regulations and providing training to ensure ongoing compliance within their organizations.

Banking Transactions and Documentation
We assist clients in negotiating and drafting a wide range of banking agreements, including loan agreements, facility agreements, and security documents. Our team ensures that clients' interests are protected through comprehensive and well-drafted banking documentation, covering various financial transactions such as syndicated loans, project finance, and asset-backed securities. Our firm specializes in negotiating and drafting various banking agreements and documentation, including:

Regulatory Updates and Training
Keeping clients informed about changes in banking regulations and providing training to ensure ongoing compliance within their organizations.

Facility Agreements
Drafting facility agreements to establish the terms and conditions of banking facilities, such as overdraft facilities, term loans, and letters of credit.

Security Documents
Advising on and drafting security documents to secure the repayment of loans, including mortgages, pledges, and guarantees.

Legal Opinions
Providing legal opinions on the enforceability and validity of banking documentation to ensure our clients' interests are protected.

Islamic Finance
With specialised expertise in Islamic finance principles and Shari'a compliance, we advise clients on structuring and executing Islamic finance transactions, including Islamic bonds (sukuk), Islamic syndicated loans, and Islamic project finance. Our legal opinions and guidance extend to the establishment and operation of Islamic financial institutions and products, including Islamic banking and Takaful (Islamic insurance). Our firm offers specialised expertise in Islamic finance principles and Shari'a compliance, including:

Structuring Islamic Finance Transactions
Advising clients on structuring and executing Islamic finance transactions in compliance with Shari'a principles, including mudarabah, musharakah, and ijara structures.

Islamic Bonds (Sukuk)
Assisting clients in the issuance and structuring of sukuk transactions, including asset-backed and asset-based sukuk.

Islamic Banking and Takaful
Advising on and drafting security documents to secure the repayment of loans, including mortgages, pledges, and guarantees.

Islamic Banking and Takaful
Providing legal advice on the establishment and operation of Islamic banks and Takaful (Islamic insurance) companies, including regulatory compliance and product development.

Financial Regulations and Licensing
We assist clients in obtaining licenses and regulatory approvals from relevant authorities such as the UAE Central Bank, Dubai Financial Services Authority (DFSA), and Abu Dhabi Global Market (ADGM) Financial Services Regulatory Authority. Our lawyers provide strategic guidance on compliance with securities laws, capital market regulations, and investment fund regulations, offering representation and support in regulatory investigations and enforcement actions. In this practice area, we assist clients with regulatory approvals and compliance across various financial sectors, including:

Securities Laws Compliance
Advising clients on compliance with securities laws and regulations, including the issuance of shares, bonds, and other financial instruments.

Capital Market Regulations
Assisting clients in navigating capital market regulations, including listing requirements and disclosure obligations for publicly traded companies.

Investment Fund Regulations
Advising clients on the establishment and operation of investment funds, including hedge funds, private equity funds, and real estate investment trusts (REITs).

Project Finance and Infrastructure
Our firm offers comprehensive legal advice on project finance transactions, including infrastructure projects, energy projects, and public-private partnerships (PPP). We provide assistance in drafting and negotiating project finance agreements, conducting legal due diligence, and analysing risks to ensure the successful implementation of project finance initiatives. Our firm provides comprehensive legal support for project finance transactions, including:

Infrastructure Projects
Structuring and negotiating PPP agreements between public and private sector entities for the development and financing of infrastructure projects.

Public-Private Partnerships (PPP)
Structuring and negotiating PPP agreements between public and private sector entities for the development and financing of infrastructure projects.

Legal Due Diligence
Conducting legal due diligence on project assets and agreements to identify and mitigate legal risks associated with project finance initiatives.

Debt Restructuring and Debt Recovery
We represent clients in debt restructuring negotiations and debt recovery proceedings, offering legal assistance in loan workouts, rescheduling, and refinancing. Our aim is to protect our clients' interests and maximise recovery in debt-related matters, including enforcement of security interests, debt collection, and foreclosure. In this practice area, we assist clients with debt restructuring and recovery strategies, including:

Loan Workouts
Negotiating and implementing loan workout agreements to restructure debt and avoid default.

Enforcement of Security Interests
Advising clients on the enforcement of security interests, including foreclosure proceedings and asset seizures

Debt Collection
Representing clients in debt collection proceedings, including pursuing legal action against debtors to recover outstanding debts.

Financial Dispute Resolution
Our experienced lawyers represent clients in financial disputes, regulatory investigations, and enforcement actions, providing skilled advocacy in mediation, arbitration, and litigation proceedings. We strive to achieve favorable outcomes and protect our clients' rights and interests in banking and finance-related disputes. Our experienced litigators handle a wide range of financial disputes, including:

Banking Disputes
Representing clients in disputes arising from banking transactions, including breach of contract, fraud, and negligence claims.

Regulatory Investigations
Providing representation and support to clients facing regulatory investigations and enforcement actions by banking regulators.

Alternative Dispute Resolution
Resolving financial disputes through mediation and negotiation to achieve cost-effective and timely resolutions for our clients.