Découvez cette recette pour 4 personnes. Les ingrédients: – 100g de farine de blé – 100G de farine de sarrasin – 1 sachet de levure chimique – sel, beurre, jus de citron, poivre, ciboulette – 1 yaourt bulgare – 2 tranches de saumon fumé – Rondelles de citron Tout d’abord, mélangez 100g de farine de blé et 100g de farine de sarrasin avec 1 sachet de levure chimique et 1 pincée de sel. Faites un creux et cassez-y 1 oeuf et 2 jaunes, puis remuez en ajoutant peu à peu 20cl de lait, 60g de beurre fondu et 1 yaourt bulgare. Montez 2 blancs d’oeufs en neige ferme avec une pincée de sel, incorporez-les à la pâte. Laissez-la reposer 30minutes. Cuisez les blinis 2minutes par face dans la poêle chaude et graissée. Réservez-les au chaud. Mélangez 200g de crème épaisse avec 1 cuillère à café de jus de citron, du sel, du poivre et 1 cuillère à soupe de ciboulette ciselée. Posez 2 ou 3 blinis par assiette, surmontez-les de 2 tranches de saumon fumé et garnissez de crème. Avant de servir, décorez de rondelles de citron. A noter que vous pouvez également confectionner vos propres blinis! – La préparation dure 15 minutes.– Le repos 30 minutes– La cuisson 20minutes
Etihad Airways France renforce son équipe avec l’arrivée de Laurence Page au poste de directeur des ventes de la compagnie. Âgée de 44 ans, Laurence Page bénéficie d’une expérience de 20 ans dans l’industrie du tourisme en France. Elle a notamment travaillé chez Havas Voyages, Havas Voyages-American Express, Lastminute.com ou encore HRG où elle a successivement occupé des fonctions techniques en salle des marchés, puis commerciales en qualité de négociateur compagnies aériennes, et depuis 7 ans directeur des accords commerciaux chez HRG France. Aujourd’hui chez Etihad France, elle dirige une équipe de 6 personnes regroupant le service commercial et l’assistance des ventes. Quotidiendutourisme
Strong government support and healthy end-user demand for real estate in the UAE will help maintain a positive long-term growth for the sector, according to a report. « Real estate sector fundamentals remain strong even discounting near-term weakness, » says Abu Dhabi Commercial Bank (ADCB) in a report titled ‘UAE: Macro Economic Update’. According to the bank, on Dubai Financial Market and Abu Dhabi Securities Exchange, real estate sector indices have fallen by 80.5 per cent and 62.3 per cent so far this year. Due to the continuing economic slowdown and cautious approach of banks to lend to the real estate sector, the report expects the sector demand to weaken in coming quarters. Certain banks have reduced their loan-to-value ratio to 60-75 per cent from the earlier 85 per cent. « As a result, a larger down payment is required, possibly forcing potential buyers to postpone their purchasing decisions, and hurting real estate demand. » In an effort to kickstart the mortgage business, Abu Dhabi Finance, a mortgage finance joint venture, was set up recently by Aldar and Sorouh in partnership with ADCB and Mubadala Development Company. However, rental demand is likely to remain robust as potential property buyers defer decisions to buy and move into rental properties. « We believe unavailability of cheap credit could also compel realty companies to postpone launches of new projects and delay ongoing developments. Although the government has taken steps to ease liquidity by extending more credit lines to banks, those institutions in turn seem reluctant to lend to real estate companies, » the bank said. Rental yields expanded in October on the back of lower asset prices and a tight supply market, as gross yields increased to 6.3 per cent from 4.7 per cent in September, according to HSBC Holdings. « Rental demand is likely to remain robust as we sense potential buyers are deferring their plans until there is better visibility in the credit markets, » it said. ADCB also expects construction costs to come down due to decline in prices of major raw materials such as cement and steel. « Further, a relatively stronger dirham is likely to reduce the cost of imported raw materials in the near term. All these factors should largely offset expected lower profitability resulting from weaker sales prices, » it said. Demand for residential units in Abu Dhabi will outstrip supply until the end of 2011 as population grows and household size shrinks in the UAE, Citi Investment Research said recently. « Population growth and shrinking household size should drive a shortage of at least 30,000 units in 2012, » it said. Real estate projects announced in Abu Dhabi till date, including those under planning and development, are estimated to cross $466bn (Dh1.71trn) when completed, according to the latest update. Parag Deulgaonkar business24-7.ae
International ratings agency Moody’s Investors Service has placed on review for possible downgrade the long-term deposit rating and bank financial strength rating (BFSR) of four Kuwaiti banks due to their exposure to property sector. The banks are National Bank of Kuwait at Aa2/B-, Commercial Bank of Kuwait at Aa3/C, Al Ahli Bank at A1/C- and Bank of Kuwait and the Middle East at A1/C-. Moody’s said the key factors prompting concerns about the health of Kuwaiti banks are their exposures to real estate (particularly commercial property) and lending for purchasing securities. In addition to evidence indicating that demand in the Kuwaiti real estate market weakened during the first ten months of 2008, the steep decline of the local stock market between September and November 2008 could weigh further on real estate demand and has also caused significant problems for Kuwaiti investment companies and tensions in the local financial market. Moody’s also cautioned that a stock-market-related loss of wealth by Kuwaiti households and corporates alike could result in rising delinquencies on bank loans extended for securities purchasing purposes, although all banks report that this has not been the case and that loans remain adequately collateralised by a combination of stocks and real estate. Moody’s says the situation is further complicated by new central bank instructions which reportedly limit bank’s flexibility to sell securities held as collateral. On the one hand, Moody’s acknowledged the central bank’s reported action may have restrained an even steeper decline in stock market prices. However, such action could potentially hinder banks’ capacity to exit their positions in the event of growing customer delinquencies. « Moody’s is also concerned that the recently announced support mechanism for Kuwait’s investment companies, which among others calls on the country’s banks to extend long-term secured funding to such companies, could have a material impact on the composition of banks’ balance sheets and divert resources to activities that do not contribute to their franchise evolution, » said Stathis Kyriakides, lead analyst at Moody’s for Kuwaiti banks. Finally, recent events have highlighted the long-identified need for institutional reform in Kuwait (particularly with regard to the operations of the Kuwait Stock Exchange), while political unrest culminating in the recent resignation of the government is unlikely to contribute to the restoration of calm in the financial markets. Moody’s has put National Bank of Kuwait’s B BFSR, (which maps to a baseline credit assessment (BCA) of A1), Aa2 long-term global local currency deposit rating and Aa2 long-term foreign currency deposit rating on review for possible downgrade. The bank’s short-term local and foreign currency ratings as well as the rating assigned to its commercial paper programme were affirmed at Prime-1. Commercial Bank of Kuwait’s C BFSR, Aa3 long-term global local currency deposit rating and Aa3 long-term foreign currency deposit rating were all placed on review for possible downgrade. The bank’s short-term and foreign currency deposit ratings were affirmed at Prime-1. Al Ahli Bank’s BFSR, A1 long-term global local currency deposit rating and A1 long-term foreign currency deposit rating were all placed on review for possible downgrade. The bank’s short-term and foreign currency deposit ratings were affirmed at Prime-1. Bank of Kuwait and the Middle East’s BFSR, A1 long-term global local currency deposit rating and A1 long-term foreign currency deposit rating were all placed on review for possible downgrade. The bank’s short-term and foreign currency deposit ratings were affirmed at Prime-1. Moody’s upgraded National Bank of Kuwait’s long-term local- and foreign-currency deposit ratings to Aa2 from Aa3 on July 26, 2007. Last year, Commercial Bank of Kuwait’s BFSR was changed to C form C-, the bank was assigned Aa3/P-1 GLC deposit ratings and its foreign currency deposit ratings were unchanged at Aa3/P-1. Al Ahli Bank’s BFSR was changed to C- from D+ and the bank’s global local currency and foreign currency deposit ratings were unchanged at A1/P-1. Bank of Kuwait and the Middle East’s BFSR was changed to C- from D+, the bank was assigned A1/P-1 global local currency deposit ratings and its foreign currency deposit ratings were unchanged at A1-P1. At the end of September 2008, National Bank of Kuwait had total assets of KWD12.4bn (Dh169bn); Commercial Bank of Kuwait had total assets of KWD4.3bn; Al Ahli Bank had assets of KWD3bn; Bank of Kuwait and the Middle East had assets of KWD2.2bn. business24-7.ae
The Al Habtoor–Murray & Roberts–Takenaka (HMRT) Joint Venture has been awarded a Dh4.9 billion contract to construct Dubai Airport’s new Concourse 3 for Dubai’s Department of Civil Aviation (DCA). Concourse 3 will be connected to the two major public levels of Terminal 3 via an automated people mover in addition to the vehicular and baggage handling system utility tunnels. The building, which follows the characteristic shape of Concourse 2, will be 645 metres long, 90 metres wide and 42 metres high in the centre from the apron level, and will accommodate 20 aircraft stands, 18 of which will accommodate Airbus’ new A380. The concourse will include one four-star and one five-star hotel, first- and business-class lounges, and duty-free areas. The total built-up area will be 528,000 square metres. Work will commence immediately, with completion scheduled for the end of April 2011. The consortium’s successful delivery of the recently opened Terminal 3 and adjoining Concourse 2 at the same airport was instrumental in HMRT securing this new project. business24-7.ae
L’Aïd Al-Adha ou la fête du sacrifice est la deuxième fête annuelle du calendrier hégirien après celle de l’Aïd Al-Fitr. Le sacrifice du mouton le jour de l’Aïd est ce qu’on appelle « sunna ». C’est à dire que c’est un acte recommandé par Allah à toute les familles musulmanes qui en ont les moyens bien entendu. Allah a dit dans le Coran: « Prie ton seigneur et sacrifie. » Sourate 108, verset 2. Le premier jour de l’Aïd Al Adha tombera le 8 décembre, conformément au Islamic Crescents Monitoring Projet. Selon les calculs astronomiques, ces derniers ont prédit que le 29 novembre sera le premier jour de « Zil Hijja». L’Islamic Crescents Monitoring Projet a été mis en place en 1998 et comprend 400 chercheurs et experts pour l’observation de la lune. L’équipe DAF vous souhaite un Happy Aïd al-Adha.
A Dubaï, le moment du réveil nous donne chaque jour l’opportunité de revenir sur notre existence et sur les points essentiels que nous souhaitons améliorer, transformer ou faire évoluer… Avoir conscience que chaque réveil est une invite à développer le meilleur de soi-même donne à chaque journée une importance capitale. Savoir sourire à Dubaï Le sourire intérieur est idéal pour chasser toute pensée négative et déclencher la bonne humeur. Il vous suffit de de fermer les yeux et d’esquisser un large sourire en pensant à une situation agréable, un souvenir, une histoire drôle… Essayer de respirer calmement tout en gardant le sourire de façon à chasser toutes les pensés négatives. Programmer sa journée Lorsqu’on se réveille, toutes les idées sont claires et c’est le moment propice à la réflexion personnelle. Si possible, dés le réveil, essayez de déterminer le programme de la journée dans tous ses détails. Le plus important est de définir les objectifs de toutes les actions que vous comptez entreprendre dans votre programme. La famille et les proches Rien ne vaut une journée qui commence avec un sentiment d’être aimé et d’aimer bien naturellement. Pensez à remercier et à saluer vos proches. Focaliser votre regard vers quelque chose de beau Si vous disposez d’un beau jardin, ou d’une magnifique vue de chez vous.N’hésitez pas à rester quelques minutes pour le ou la fixer. Un beau tableau ou une photo de famille peut aussi faire l’affaire. Toujours dire « Hamdoulillah » La vie peut être parfois triste ou magnifique, regretter son passé, se plaindre d’une situation difficile, se focaliser sur un futur incertain entame notre capital énergétique et, par-dessus tout, nous fait oublier que la vie est infiniment fragile et précieuse. Concentrez-vous surtout sur ce que vous avez, un métier, un talent, des ami(e)s fidèles, une maison agréable etc. C’est en travaillant sur vous même et en s’exerçant à voir les choses du bon côté que vous pourrez mieux affronter les tracas du quotidien. Fuyez le stress au réveil Evitez la tv , la radio et surtout le téléphone dés le matin! Favorisez une musique douce ou le silence total. Quelle tenue prendre pour la journée La couleur est essentielle,surtout en hiver, cette dernière vous permet d’avoir une bonne mine et un moral au top pour toute la journée. Optez pour quelques touches colorées! Pour beaucoup de personnes, le noir, le blanc, le gris , la marron et le beige sont des couleurs honnêtes. Le rouge, c’est le feu, le sang, la violence. Jadis, c’était la couleur des guerriers, aujourd’hui c’est une couleur que les femmes apprécient beaucoup.Le rouge , pour certaines femmes, donnent plus de confiance. Et le parfum dans tout ça ? C’est sans doute un élément très important et fondamental pour la femme.Mais il faut savoir l’utiliser avec subtilité, en mettant deux gouttes derrière le lobe des oreilles, sur les épaules, dans les cheveux et aussi dans une poche… Durant la journée, chanter une chanson vous maintient en bonne santé et vous donne de la joie!
Rien ne vaut une bonne paella pour vous faire voyager en Espagne. Les ingrédients: – Safran – 2 oignons – 4 blancs de poulet – huile d’olive – Du beurre – 300 g. de riz long – 300G. de tomates concassées en boîte – 200 G. d’épinards équeutés. Dilluez 1 dose de safran dans 50 cl d’eau bouillante salée.PElez et hachez 2 oignons. Faites dorer 4 blancs de poulet coupés en morceaux dans une cocotte avec 2 cuillère à soupe d’huile d’olive et 20G. de beurre chaud. Baissez le feu, ajoutez les oignons et faites suer 2 minutes. Versez 300G de riz long avec 300g de tomates concassées en boîte. Mélangez 2 minutes sur feu doux. Mouillez de l’eau safranée, faites cuire 15 à 17 minutes. Ajoutez 200G. d’épinards équeutés et lavés. Cuisez 5 minutes sur feux vif en remuant. Vous n’avez plus qu’à rectifier l’assaisonnement, mélangez avec 20 G. de beurre puis servez chaud. LA préparation dure: 25 minutes et la cuisson 35 minutes.
A massive influx of foreign workers triggered by unprecedented economic performance boosted Qatar’s population by more than half a million in just four years to record one of the world’s highest growth rates. Official figures showed the population of the world’s third-largest gas producer leaped by nearly 18.1 per cent at the end of June compared with the same period of last year and around 17.7 per cent in the previous year. Growth was also as high as 17.2 per cent during 2005-2008 and 16.8 per cent during 2004-2005, showed the figures by Qatar Statistics Authority (QSA). The rates are nearly four times the average annual population increase of between 2.1 and 5.2 per cent in the previous four years. At the end of June, Qatar’s population was estimated at 1.448 million compared with 1.226m at the end of June 2007 and 1.041m at the end of June 2006. It was put at nearly 888,000 at the end of June 2005 and about 616,000 at the end of the first half of 2000. QSA’s monthly figures showed the population continued its rapid rise to gain nearly 100,000 to reach around 1.541m at the end of October, an increase of about 6.4 per cent in four months. In 1997, Qatar’s population stood at around 522,000, more than one million below the 2008 population. According to the government-controlled Qatar National Bank (QNB), the annual population growth during 1997-2004 stood at only 5.3 per cent. « The rapid increase in population over the last few years is attributed to the strong performance of the economy, which has resulted in a large number of projects coming online, thereby leading to the influx of professionals, service and contracting sector staff and others, » QNB said. Despite the surge, Qatar has maintained its position as one of the wealthiest nations in terms of GDP per capita, which was estimated at $57,936 in 2007. As the population is projected to average around 1.5 million by the end of 2008, due to the departure of many foreigners for seasonal holidays, the GDP will record one of its highest growth rates this year and the Gulf country’s per capita income is set to continue its climb. QSA’s figures showed the population at the end of October included 1,185,575 males and 355,555 females, adding that its estimates included those who were present inside Qatar during the month of October. It gave no nationality breakdown but independent estimates put the native population at around 20 per cent of the total, while most of the rest are other Arabs, south-east Asians and Westerners. Qatar, a small Organisation of Petroleum Exporting Countries member, has recorded the highest per capita income and economic growth rate in the Arab world over the past 10 years because of strong crude prices and a rapid increase in its exports of liquefied natural gas (LNG), which exceeded 30 million tonnes in 2007. The exports are projected to climb to around 77 million tonnes within three years as the gas-rich country is pushing ahead with mega LNG projects to tap its gigantic offshore North Field, the world’s largest single reservoir of non-associated gas, with an estimated 900 trillion cubic feet. The surge in LNG sales has allied with a sharp rise in oil prices over the past few years to catapult Qatar’s economy by more than four times during 2003-2007 to reach QR258,000 in 2007. It is projected by QNB to soar to QR327,000 in 2008 and nearly QR387,000 in 2009, an average annual growth of between 21 and 35 per cent during 2003-2008. Qatar has in the recent past recorded extraordinary economic growth. Nadim Kawach business24-7.ae
Saudi Arabia’s banking sector, one of the largest in the Middle East, has started to feel the pinch of the global financial crisis with a decline in its performance in the third quarter for the first time in 2008. After surging by 29.1 and 8.3 per cent in the second and first quarters of this year, the combined net profits of the kingdom’s listed banks plunged by nearly 22.2 per cent in the third quarter, banking data showed yesterday. The decline was partly due to growing loan loss provisions that reached nearly SR1.2 billion (Dh1.17bn) at the end of September, according to the National Commercial Bank (NCB), the country’s largest bank. « Since the beginning of the global financial crisis in August 2007, it was apparent that no country, industry or individual will escape the unfolding negative repercussions, whether they emanate from the mere psychological fear or the weak macroeconomic fundamentals or both, » NCB said in its weekly economic bulletin, sent to Emirates Business. « As a result, the kingdom was no exception in being relatively impacted despite the fact that the economy continued to achieve healthy twin surpluses in the fiscal and current account balances. Accordingly, it is appropriate to view the Saudi banking performance in this current context especially that the first decline in profitability this year by 22.2 per cent Q/Q in 3Q08 came in after positive growth rates of 29.1 per cent and 8.3 per cent in 1Q08 and 2Q08, respectively. » But NCB stressed it remains implausible to largely attribute such performance to the delayed impact of the financial crisis on Saudi banks. It said this is because most global banks had reported losses for the past four quarters, with most asking for liquidity injections or capital contributions. « In addition, the current mark-to-market accounting standards do not give banks ample room to manoeuvre when it comes to hiding huge losses on their trading and available for sale investments, which would have been apparent along the 15-month period of the ensuing crisis, » it said. « Finally, although the SR1.21bn in loan loss and investment provisions had clearly weighed heavily on the banking sector’s Q3 profitability, it does represent an efficient way of managing profitability in times of stress rather than an implicit declaration of future losses. » In another report, a key Gulf investment bank said the global financial crisis has impacted Saudi banks despite what it termed as their limited exposure. « The Saudi banking sector, with its limited exposure to the global financial markets, was somewhat able to escape the severe implications of the global financial distress. However, being an important part of the intertwined global markets, some of the dampening effects were directly or indirectly translated into the kingdom’s banking sector performance, » said the report by the Kuwait-based Global Investment House (GIH). But the report presented a good outlook for those banks given the kingdom’s strong macroeconomic fundamentals, a surge in investment, reforms in some sectors and the government pledge to support the banking sector. « Saudi Arabia’s strong macroeconomic outlook, favourable demographics, increased infrastructure investments along with sectoral reforms will provide various economic sectors, especially banking, with enormous future business opportunities. The increased economic activity will enhance both the financing appetite and customer deposit base, » it said. Nadim Kawach business24-7.ae
