Currency wars will stretch the sinews of global business


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Forget the "clash of civilisations" so beloved of US right-wing politicians; we are living in the era of the "clash of currencies" in which the world's big economies are fighting a war according to the denomination of their national money. It's the dollar versus the yuan versus the euro versus the yen. British sterling is also likely to be dragged into the conflict and the regional currencies of the GCC will inevitably be affected by the global financial turmoil.

Who says we are on the verge of a new and dangerous phase of the geo-financial conflict? Well, Guido Mantega, the finance minister of Brazil, for one. His currency, the Brazilian real, and his economy could be one of the big losers from the conflict. He warned last week of the dangers of "currency wars" for the global economy, struggling to recover from the financial crisis. The Brazilian currency has always been vulnerable. On a trip to Rio some years ago, I wanted to change 500 deutschemarks into local currency. In exchange for my crisp DM note, I was handed back a carrier bag full of rolled-up bundles of reals.

The Institute for International Finance (IIF) is another harbinger of currency conflict. On Monday, this body, which speaks for the world's leading banks and financial institutions, warned of the dangers of global protectionism if the leading nations did not get their currency acts together. The IIF, while calling for a truce, is in no doubt that hostilities have already begun. What we are seeing is the beginning of the medium-term fall-out from the financial convulsions of 2008 and last year. In macroeconomic terms, the big loser from the financial crisis was the US and the dollar, which has acted as the global reserve currency since the post-Second World War settlement.

The process of diminution of dollar power was under way in any case, as China's economic growth pulled financial muscle away from the West and towards the dynamic economies of Asia. The financial crisis accelerated this trend and has now brought us to the opening of currency hostilities. China took advantage of the weakening of US financial power to increase its stock of reserve dollars. It now holds about US$2.45 trillion (Dh8.99tn) worth of currency reserves, of which about 65 per cent is in dollars, and shows no sign of wanting to reduce that stock. China's hoarding of dollars accounted for more than half the total increase in all reserves held between the beginning of 2008 and last June.

You might think the Americans would be grateful there is a buyer of last resort in the market to snap up dollars - and the sovereign debt they represented - that were in danger of depreciating as the frailties of the US financial system were made apparent. But it does not work like that, for two reasons. First, US politicians are becoming increasingly alarmed at the power this dollar and debt hoard gives to China. The authorities in Beijing have always said they were long-term holders of the currency of the world's biggest economy but US politicians (and they are not all right-wing xenophobes) fear the day when it is no longer in China's interests to hold dollars. Dumping them would be a declaration of financial war against the US and the effects on its economy would be cataclysmic.

The other reason Americans are concerned is what they regard as the intentional weakness of China's currency, the yuan. They believe Beijing is keeping this artificially low as a subsidy to Chinese exporters who already have a commanding position in world trade by reason of their huge cost advantages, mainly cheap labour. In normal times, this would not have been such an issue. Americans would have been happy to buy the goods produced by the Chinese and add to their dollar reserves. The problem now is that the US also wants to export. The cure to the economic recession that followed the financial crisis was seen as an export-led recovery but this would be stymied by an appreciating dollar. Perversely, it is now in interests of the US for the dollar to be comparatively weaker, certainly against the yuan but also against most other currencies in the world.

We seem to be approaching some kind of crisis point in the currency wars, or at least the end of an opening phase. It is obvious that not every currency can appreciate at the same time but there are now just too many of the biggest ones heading northwards when their national governments, also seeking export-led recovery, would prefer the opposite. The yen and the British pound have both been relatively strong and even the economic crises in Europe's peripheral countries including Greece, Ireland and Portugal has not stopped the rise of the euro over recent months. Something has to give.

The situation presents significant challenges and perhaps a unique opportunity for the Gulf countries. The challenges lie in the fact that the region is a remittance centre for many in Asia and Africa - even to Europe. Currency chaos would significantly disrupt this valuable trade. The ties between many regional currencies and the dollar also presents obvious dangers, chiefly the unwelcome volatility that big swings in dollar value would cause for the economies of the UAE and other dollar-pegged currencies.

Amid this uncertainty now may not be the right time to reconsider the GCC common currency. But, longer term, the logic of a regional currency, with a more representative weighting towards the big global players (apart from the dollar) and backed by petro-wealth, might become persuasive.

Who's who in Yemen conflict

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Yemeni government: Exiled government in Aden led by eight-member Presidential Leadership Council

Southern Transitional Council: Faction in Yemeni government that seeks autonomy for the south

Habrish 'rebels': Tribal-backed forces feuding with STC over control of oil in government territory

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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.”