Covid-19 vaccines are offloaded from an Emirates aircraft at Dubai International Airport. Emirates is a key partner in the Covax scheme providing free vaccines to poorer countries. AP Photo
Covid-19 vaccines are offloaded from an Emirates aircraft at Dubai International Airport. Emirates is a key partner in the Covax scheme providing free vaccines to poorer countries. AP Photo
Covid-19 vaccines are offloaded from an Emirates aircraft at Dubai International Airport. Emirates is a key partner in the Covax scheme providing free vaccines to poorer countries. AP Photo
Covid-19 vaccines are offloaded from an Emirates aircraft at Dubai International Airport. Emirates is a key partner in the Covax scheme providing free vaccines to poorer countries. AP Photo

A year ago, Covid-19 forced us apart – now, vaccines can bring us back together


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This month marks two major milestones for the UAE. On March 23 last year, the country announced the National Disinfection Programme and the first "stay home" order in its history, as authorities responded to the rapidly evolving Covid-19 pandemic.

It undoubtedly saved many lives. But it changed our lives, too. Phrases such as "social distancing" and "self-isolation" entered common parlance; we worked from home, studied from home, and socialised at home. We learned about video call etiquette and the importance of masks, and found new ways to greet people.

One year on, we know a lot more about this virus than we did then. We know how it transmits, and, sadly, how it kills. We know how to stop it and how to treat it. And, crucially, we have learned to live with it, as we did with other viruses and diseases previously.

The UAE is in the extremely fortunate position of having returned mostly to normal – albeit an adjusted normal. We have not plunged in and out of lockdown; most public places, schools and businesses are open and operating, and we can travel.

Which brings me to the second milestone of March – the vaccination of more than half the UAE population, the second-fastest mass vaccination program in the world after Israel. On March 16, we celebrated the vaccination of 52.4 per cent of the target population with at least one dose of a vaccine, with 67 administered for every 100 people in the country – a total of 6,668,637 doses.

  • People queue for the vaccine near DIFC. The city has approved Pfizer-BioNTech, Sinopharm and Oxfrd-AstraZeneca for use, and officials hope to have half the population vaccinated by late March. AFP
    People queue for the vaccine near DIFC. The city has approved Pfizer-BioNTech, Sinopharm and Oxfrd-AstraZeneca for use, and officials hope to have half the population vaccinated by late March. AFP
  • Abu Dhabi has vaccinated at least 60 per cent of teachers and school staff, many during a week-long vaccine drive in late January. Courtesy: Adek
    Abu Dhabi has vaccinated at least 60 per cent of teachers and school staff, many during a week-long vaccine drive in late January. Courtesy: Adek
  • A man receives a dose of a vaccine against Covid-19 at St Paul’s Church in Abu Dhabi. Khushnum Bhandari / The National
    A man receives a dose of a vaccine against Covid-19 at St Paul’s Church in Abu Dhabi. Khushnum Bhandari / The National
  • A vaccine is administered at Bareen International Hospital in Mohamed Bin Zayed City, Abu Dhabi. Courtesy: Bareen hospital
    A vaccine is administered at Bareen International Hospital in Mohamed Bin Zayed City, Abu Dhabi. Courtesy: Bareen hospital
  • Abu Dhabi has vaccinated at least 60 per cent of teachers and school staff, many during a week-long vaccine drive in late January. Courtesy: Adek
    Abu Dhabi has vaccinated at least 60 per cent of teachers and school staff, many during a week-long vaccine drive in late January. Courtesy: Adek
  • Airport personnel unload a coronavirus vaccine shipment at Dubai International Airport on February 1, 2021. AFP
    Airport personnel unload a coronavirus vaccine shipment at Dubai International Airport on February 1, 2021. AFP
  • An Emirates Airlines Boeing 777 unloads a coronavirus vaccine shipment at Dubai International Airport on February 1, 2021. The airline is part of the Vaccine Logistics Alliance, which includes also logistics giant DP World. Karim Sahib / AFP
    An Emirates Airlines Boeing 777 unloads a coronavirus vaccine shipment at Dubai International Airport on February 1, 2021. The airline is part of the Vaccine Logistics Alliance, which includes also logistics giant DP World. Karim Sahib / AFP
  • People wait to enter a vaccination centre at Dubai's financial district on January 24, 2021. AFP
    People wait to enter a vaccination centre at Dubai's financial district on January 24, 2021. AFP
  • People queue for the vaccine near DIFC. The city has approved Pfizer-BioNTech, Sinopharm and Oxfrd-AstraZeneca for use, and officials hope to have half the population vaccinated by late March. AFP
    People queue for the vaccine near DIFC. The city has approved Pfizer-BioNTech, Sinopharm and Oxfrd-AstraZeneca for use, and officials hope to have half the population vaccinated by late March. AFP
  • A teacher gives a thumbs up as he receives the Sinopharm vaccine in Abu Dhabi. Courtesy: Department of Education and Knowledge
    A teacher gives a thumbs up as he receives the Sinopharm vaccine in Abu Dhabi. Courtesy: Department of Education and Knowledge
  • A placard informs the public of the location of a designated Covid-19 vaccination centre in Dubai's financial centre district. AFP
    A placard informs the public of the location of a designated Covid-19 vaccination centre in Dubai's financial centre district. AFP
  • People in Dubai queue for a vaccine on January 24, 2021. AFP
    People in Dubai queue for a vaccine on January 24, 2021. AFP

What is remarkable is that this time last year scientists had only just sequenced the coronavirus genome. Historically, vaccines take around 10 years to develop, test, manufacture and gain regulatory approvals. Little more than a year since this virus was first discovered, no fewer than 170 Covid-19 vaccines are now under development.

So does this mean a return to global freedom of movement is months away? Probably not. While wealthy, developed nations are pouring resources into vaccinating their citizens, large parts of the world haven’t even started. Just 4.8 per cent of the global population has been vaccinated against Covid-19. There is a very long way to go.

This is everyone’s problem. In today’s interconnected world, no nation is safe from the virus until we all are. The UAE is no stranger to this concept, as we have always believed in multilateralism and helping those less fortunate, which is why we rank as one of the top aid donors per capita in the world.

Throughout Covid-19 we have donated thousands of tonnes of medical aid, PPE, testing kits, and food to more than 100 nations, assisting over 1.7 million medical professionals in cooperation with the United Nations. Now, we’re turning our attention to assisting with the global distribution of vaccine supplies via the Hope Consortium, a public-private partnership with freight forwarders based in Abu Dhabi. This consortium has the capacity to deliver some 6 billion vaccines across 170 countries by the end of this year.

There’s no doubt that Covid-19 has damaged globalisation as we knew it. Almost like learning to walk again, we have to re-think mobility in the 21st century. Vaccination passports, reciprocal entry protocols, common rules on testing and quarantine: all these agreements will become necessary in the months and years ahead. That entails a measure of cooperation and trust that has at times been lacking during the pandemic, as national self-interest took priority.

The last 12 months have been difficult, and the situation we face continues to challenge us. But the world we face in March 2021 is not the same as the world a year ago. There is less uncertainty and fear, and there is more hope. Vaccination is the way out of this pandemic, the same as it was for polio, smallpox, diphtheria or any of the other dangerous viruses the world has faced and overcome in the past.

Taking an internationalist, multi-lateral approach, where no person or country is left behind, will see us get there all the faster.

Hend Al Otaiba is director of strategic communications at the UAE Ministry of Foreign Affairs and International Co-operation

  • A lab technician oversees the filling and package of vials for the large-scale production of the Oxford-AstraZeneca Covid-19 vaccine candidate at the Italian manufacturing facility of Catalent in Anagni, southeast of Rome, September 11, 2020. AFP
    A lab technician oversees the filling and package of vials for the large-scale production of the Oxford-AstraZeneca Covid-19 vaccine candidate at the Italian manufacturing facility of Catalent in Anagni, southeast of Rome, September 11, 2020. AFP
  • The Oxford vaccine could be among the first to hit the market. Vincenzo Pinzo / AFP
    The Oxford vaccine could be among the first to hit the market. Vincenzo Pinzo / AFP
  • A boy looks at Sinovac Biotech's vaccine candidate at the China International Fair for Trade in Services in Beijing. AFP
    A boy looks at Sinovac Biotech's vaccine candidate at the China International Fair for Trade in Services in Beijing. AFP
  • A technician looks at monkey kidney cells as he makes a test on an experimental vaccine for Covid-19 at Sinovac Biotech facilities in Beijing. AFP
    A technician looks at monkey kidney cells as he makes a test on an experimental vaccine for Covid-19 at Sinovac Biotech facilities in Beijing. AFP
  • A clinical research nurse prepares a Covid-19 vaccine to administer to a volunteer, at a clinic in London. AP
    A clinical research nurse prepares a Covid-19 vaccine to administer to a volunteer, at a clinic in London. AP
  • Peru's President Martin Vizcarra speaks to the press during a visit to the bio-medical department of the Cayetano Heredia National University in Lima, where studies for vaccines against coronavirus are being developed. AFP
    Peru's President Martin Vizcarra speaks to the press during a visit to the bio-medical department of the Cayetano Heredia National University in Lima, where studies for vaccines against coronavirus are being developed. AFP
  • Robyn Porteous, a vaccine trial volunteer, is injected as part of South Africa's human clinical trial at the Wits RHI Shandukani Research Centre in Johannesburg, South Africa. Reuters
    Robyn Porteous, a vaccine trial volunteer, is injected as part of South Africa's human clinical trial at the Wits RHI Shandukani Research Centre in Johannesburg, South Africa. Reuters
  • A nurse inoculates volunteer Ilya Dubrovin, 36, with Russia's new coronavirus vaccine at a clinic in Moscow. AFP
    A nurse inoculates volunteer Ilya Dubrovin, 36, with Russia's new coronavirus vaccine at a clinic in Moscow. AFP
  • Norwegian Prime Minister Erna Solberg (L) and Minister for Development Aid Dag Inge Ulstein (R) participate in a digital meeting with international leaders about a fair global distribution of Covid-19 vaccines at the the Prime Minister's office in Oslo on 10 September 2020. EPA
    Norwegian Prime Minister Erna Solberg (L) and Minister for Development Aid Dag Inge Ulstein (R) participate in a digital meeting with international leaders about a fair global distribution of Covid-19 vaccines at the the Prime Minister's office in Oslo on 10 September 2020. EPA
  • A medic works in a lab during clinical trials for a Covid-19 vaccine at Research Centres of America in Hollywood, Florida. Bloomberg
    A medic works in a lab during clinical trials for a Covid-19 vaccine at Research Centres of America in Hollywood, Florida. Bloomberg

Company Profile 

Founder: Omar Onsi

Launched: 2018

Employees: 35

Financing stage: Seed round ($12 million)

Investors: B&Y, Phoenician Funds, M1 Group, Shorooq Partners

Skoda Superb Specs

Engine: 2-litre TSI petrol

Power: 190hp

Torque: 320Nm

Price: From Dh147,000

Available: Now

How to turn your property into a holiday home
  1. Ensure decoration and styling – and portal photography – quality is high to achieve maximum rates.
  2. Research equivalent Airbnb homes in your location to ensure competitiveness.
  3. Post on all relevant platforms to reach the widest audience; whether you let personally or via an agency know your potential guest profile – aiming for the wrong demographic may leave your property empty.
  4. Factor in costs when working out if holiday letting is beneficial. The annual DCTM fee runs from Dh370 for a one-bedroom flat to Dh1,200. Tourism tax is Dh10-15 per bedroom, per night.
  5. Check your management company has a physical office, a valid DTCM licence and is licencing your property and paying tourism taxes. For transparency, regularly view your booking calendar.
Racecard
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10 tips for entry-level job seekers
  • Have an up-to-date, professional LinkedIn profile. If you don’t have a LinkedIn account, set one up today. Avoid poor-quality profile pictures with distracting backgrounds. Include a professional summary and begin to grow your network.
  • Keep track of the job trends in your sector through the news. Apply for job alerts at your dream organisations and the types of jobs you want – LinkedIn uses AI to share similar relevant jobs based on your selections.
  • Double check that you’ve highlighted relevant skills on your resume and LinkedIn profile.
  • For most entry-level jobs, your resume will first be filtered by an applicant tracking system for keywords. Look closely at the description of the job you are applying for and mirror the language as much as possible (while being honest and accurate about your skills and experience).
  • Keep your CV professional and in a simple format – make sure you tailor your cover letter and application to the company and role.
  • Go online and look for details on job specifications for your target position. Make a list of skills required and set yourself some learning goals to tick off all the necessary skills one by one.
  • Don’t be afraid to reach outside your immediate friends and family to other acquaintances and let them know you are looking for new opportunities.
  • Make sure you’ve set your LinkedIn profile to signal that you are “open to opportunities”. Also be sure to use LinkedIn to search for people who are still actively hiring by searching for those that have the headline “I’m hiring” or “We’re hiring” in their profile.
  • Prepare for online interviews using mock interview tools. Even before landing interviews, it can be useful to start practising.
  • Be professional and patient. Always be professional with whoever you are interacting with throughout your search process, this will be remembered. You need to be patient, dedicated and not give up on your search. Candidates need to make sure they are following up appropriately for roles they have applied.

Arda Atalay, head of Mena private sector at LinkedIn Talent Solutions, Rudy Bier, managing partner of Kinetic Business Solutions and Ben Kinerman Daltrey, co-founder of KinFitz

Gifts exchanged
  • King Charles - replica of President Eisenhower Sword
  • Queen Camilla -  Tiffany & Co vintage 18-carat gold, diamond and ruby flower brooch
  • Donald Trump - hand-bound leather book with Declaration of Independence
  • Melania Trump - personalised Anya Hindmarch handbag

Director: Laxman Utekar

Cast: Vicky Kaushal, Akshaye Khanna, Diana Penty, Vineet Kumar Singh, Rashmika Mandanna

Rating: 1/5

A new relationship with the old country

Treaty of Friendship between the United Kingdom of Great Britain and Northern Ireland and the United Arab Emirates

The United kingdom of Great Britain and Northern Ireland and the United Arab Emirates; Considering that the United Arab Emirates has assumed full responsibility as a sovereign and independent State; Determined that the long-standing and traditional relations of close friendship and cooperation between their peoples shall continue; Desiring to give expression to this intention in the form of a Treaty Friendship; Have agreed as follows:

ARTICLE 1 The relations between the United Kingdom of Great Britain and Northern Ireland and the United Arab Emirates shall be governed by a spirit of close friendship. In recognition of this, the Contracting Parties, conscious of their common interest in the peace and stability of the region, shall: (a) consult together on matters of mutual concern in time of need; (b) settle all their disputes by peaceful means in conformity with the provisions of the Charter of the United Nations.

ARTICLE 2 The Contracting Parties shall encourage education, scientific and cultural cooperation between the two States in accordance with arrangements to be agreed. Such arrangements shall cover among other things: (a) the promotion of mutual understanding of their respective cultures, civilisations and languages, the promotion of contacts among professional bodies, universities and cultural institutions; (c) the encouragement of technical, scientific and cultural exchanges.

ARTICLE 3 The Contracting Parties shall maintain the close relationship already existing between them in the field of trade and commerce. Representatives of the Contracting Parties shall meet from time to time to consider means by which such relations can be further developed and strengthened, including the possibility of concluding treaties or agreements on matters of mutual concern.

ARTICLE 4 This Treaty shall enter into force on today’s date and shall remain in force for a period of ten years. Unless twelve months before the expiry of the said period of ten years either Contracting Party shall have given notice to the other of its intention to terminate the Treaty, this Treaty shall remain in force thereafter until the expiry of twelve months from the date on which notice of such intention is given.

IN WITNESS WHEREOF the undersigned have signed this Treaty.

DONE in duplicate at Dubai the second day of December 1971AD, corresponding to the fifteenth day of Shawwal 1391H, in the English and Arabic languages, both texts being equally authoritative.

Signed

Geoffrey Arthur  Sheikh Zayed

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.”

Courses%20at%20Istituto%20Marangoni%2C%20Dubai
%3Cp%3E%3Cstrong%3EUndergraduate%20courses%3C%2Fstrong%3E%3Cbr%3EInterior%20Design%3B%20Product%20Design%3B%20Visual%20Design%3B%20Fashion%20Design%20%26amp%3B%20Accessories%3B%20Fashion%20Styling%20%26amp%3B%20Creative%20Direction%3B%20Fashion%20Business%3B%20Foundation%20in%20Fashion%3B%20Foundation%20in%20Design%3Cbr%3E%3Cstrong%3EProfessional%20courses%3C%2Fstrong%3E%3Cbr%3EFashion%20e-Commerce%20%26amp%3B%20Digital%20Marketing%3B%20Fashion%20Entrepreneurship%3B%20Fashion%20Luxury%20Retail%20and%20Visual%20Merchandising%3Cbr%3E%3Cstrong%3EShort%20courses%3C%2Fstrong%3E%3Cbr%3EFashion%20design%3B%20Fashion%20Image%20%26amp%3B%20Styling%3B%20Fashion%20Trend%20Forecasting%3B%20Interior%20Design%3B%20Digital%20Art%20in%20Fashion%3Cbr%3EMore%20information%20is%20at%20%3Ca%20href%3D%22https%3A%2F%2Fwww.istitutomarangoni.com%2Fen%3Futm_source%3DLocal%26utm_medium%3Dorganic%26utm_campaign%3Dgmb%26utm_content%3Ddubai%22%20target%3D%22_self%22%3Ewww.istitutomarangoni.com%3C%2Fa%3E%3C%2Fp%3E%0A
AWARDS
%3Cp%3E%3Cstrong%3EBest%20Male%20black%20belt%3A%20%3C%2Fstrong%3ELucas%20Protasio%20(BRA)%3Cbr%3E%3Cstrong%3EBest%20female%20black%20belt%3A%20%3C%2Fstrong%3EJulia%20Alves%20(BRA)%3Cbr%3E%3Cstrong%3EBest%20Masters%20black%20belt%3A%3C%2Fstrong%3E%20Igor%20Silva%20(BRA)%3Cbr%3E%3Cstrong%3EBest%20Asian%20Jiu-Jitsu%20Federation%3A%3C%2Fstrong%3E%20Kazakhstan%3Cbr%3E%3Cstrong%3EBest%20Academy%20in%20UAE%3A%20%3C%2Fstrong%3ECommando%20Group%2C%20Abu%20Dhabi%3Cbr%3E%3Cstrong%3EBest%20International%20Academy%3A%3C%2Fstrong%3E%20Commando%20Group%2C%20Abu%20Dhabi%3Cbr%3E%3Cstrong%3EAfrican%20Player%20of%20the%20Year%3A%20%3C%2Fstrong%3EKatiuscia%20Yasmira%20Dias%20(GNB)%3Cbr%3E%3Cstrong%3EOceanian%20Player%20of%20the%20Year%3A%20%3C%2Fstrong%3EAnton%20Minenko%20(AUS)%3Cbr%3E%3Cstrong%3EEuropean%20Player%20of%20the%20Year%3A%3C%2Fstrong%3E%20Rose%20El%20Sharouni%20(NED)%3Cbr%3E%3Cstrong%3ENorth%20and%20Central%20American%20Player%20of%20the%20Year%3A%20%3C%2Fstrong%3EAlexa%20Yanes%20(USA)%3Cbr%3E%3Cstrong%3EAsian%20Player%20of%20the%20Year%3A%20%3C%2Fstrong%3EZayed%20Al%20Katheeri%20(UAE)%3Cbr%3E%3Cstrong%3ERookie%20of%20the%20Year%3A%3C%2Fstrong%3E%20Rui%20Neto%20(BRA)Rui%20Neto%20(BRA)%3C%2Fp%3E%0A
What are the influencer academy modules?
  1. Mastery of audio-visual content creation. 
  2. Cinematography, shots and movement.
  3. All aspects of post-production.
  4. Emerging technologies and VFX with AI and CGI.
  5. Understanding of marketing objectives and audience engagement.
  6. Tourism industry knowledge.
  7. Professional ethics.
Ms Yang's top tips for parents new to the UAE
  1. Join parent networks
  2. Look beyond school fees
  3. Keep an open mind
The 12 Syrian entities delisted by UK 

Ministry of Interior
Ministry of Defence
General Intelligence Directorate
Air Force Intelligence Agency
Political Security Directorate
Syrian National Security Bureau
Military Intelligence Directorate
Army Supply Bureau
General Organisation of Radio and TV
Al Watan newspaper
Cham Press TV
Sama TV

Defence review at a glance

• Increase defence spending to 2.5% of GDP by 2027 but given “turbulent times it may be necessary to go faster”

• Prioritise a shift towards working with AI and autonomous systems

• Invest in the resilience of military space systems.

• Number of active reserves should be increased by 20%

• More F-35 fighter jets required in the next decade

• New “hybrid Navy” with AUKUS submarines and autonomous vessels

Dubai Bling season three

Cast: Loujain Adada, Zeina Khoury, Farhana Bodi, Ebraheem Al Samadi, Mona Kattan, and couples Safa & Fahad Siddiqui and DJ Bliss & Danya Mohammed 

Rating: 1/5

The%20specs%3A%202024%20Mercedes%20E200
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THE SPECS

Engine: 1.6-litre turbo

Transmission: six-speed automatic

Power: 165hp

Torque: 240Nm

Price: From Dh89,000 (Enjoy), Dh99,900 (Innovation)

On sale: Now

Squads

Australia: Finch (c), Agar, Behrendorff, Carey, Coulter-Nile, Lynn, McDermott, Maxwell, Short, Stanlake, Stoinis, Tye, Zampa

India: Kohli (c), Khaleel, Bumrah, Chahal, Dhawan, Shreyas, Karthik, Kuldeep, Bhuvneshwar, Pandey, Krunal, Pant, Rahul, Sundar, Umesh

MATCH INFO

Chelsea 0

Liverpool 2 (Mane 50', 54')

Red card: Andreas Christensen (Chelsea)

Man of the match: Sadio Mane (Liverpool)

SPECS
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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

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