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Emaar Properties PJSC is one of the world’s largest real estate companies and is rapidly growing to become a global provider of premier lifestyles. A Dubai-based Public Joint Stock Company, Emaar is listed on the Dubai Financial Market and is part of the Dow Jones Arabia Titans Index. Emaar has highlighted the remarkable global growth of the company by debuting on the 2007 Financial Times Global 500 ranking, which provides an annual snapshot of the world’s largest companies. In tandem with Dubai’s rapid growth, Emaar has been shaping landscapes and lives in the Emirate since the company’s inauguration in 1997. Not just building homes, Emaar develops value-added, master-planned communities that meet the homebuyers’ full range of lifestyle needs. A pioneer of innovative community-living concepts, Emaar is the prime mover of the Emirate’s real estate and construction sector. In line with its Vision 2010, Emaar is charting a new course of growth through a twosided strategy of geographical expansion and business segmentation. Replicating its successful business model in Dubai, Emaar is extending its expertise in creating master-planned communities to international markets. Simultaneously, Emaar is developing new competencies in hospitality & leisure, malls, education, healthcare and financial services, which have evolved from its integrated approach to customer service and property development. With six business segments and more than 60 active companies, Emaar has a collective presence in over 36 markets spanning the Middle East, North Africa, PanAsia, Europe and North America. The company has established operations in the United Arab Emirates, Saudi Arabia, Syria, Jordan, Lebanon, Egypt, Morocco, Algeria, Libya, India, Pakistan, Turkey, Indonesia, USA, Canada and United Kingdom.
Ahmad Thani Al Matrooshi Director Iqra University 2 . In 2007. BOARD OF DIRECTORS H. Customer Care. Majid Saif Al Ghurair Director Mr. bringing its team of chief executive officers. Each Regional Managing Director has a specific geographical focus and would drive the expansion of the various markets redistributed under their charge. Today MANAGEMENT STRUCTURE Management structure is crucial to the success of any organization in achieving its mission. In 2006. at the country level. Emaar established the Corporate Office based in Dubai and formed a strong management team for its international subsidiaries and business segments. Hussain Al Qemzi Vice Chairman Mr. The Corporate Office plays the role of a facilitator to Emaar’s businesses. respectively. At the Corporate Office level. Ahmad Jamal Jawa Director Mr. ensuring the successful replication of Emaar’s business model in Dubai overseas and the inculcation of its unique corporate culture within its international operations. it created the positions of Chief Information Officer and Director. Mohammed Ibrahim Al Shaibani Director Dr. chief operating officers and general managers to full strength and fuelling the growth momentum of its international businesses. Mohamed Bin Ali Alabbar Chairman Mr.E. to place Emaar at the forefront of information technology and customer service. Salem Bin Rashed Al Mohannadi Director Mr. it expanded team of Regional Managing Directors. To this effect. Lowai Mohamed Belhoul Director Mr.Emaar. it inducted seven senior executives. Shaping the future.
These growth engines will grow and converge into a single entity known as “The Emaar Group PJSC”. • • • • • • Emaar understands that without its customers. Emaar is a lifestyle brand. when they need it. OPEN COMMUNICATIONS • • • • When anyone has a company as the size of Emaar. health. Emaar has built trust with its customers and it has attracted and retained the best employees Emaar listens. education.indeed. retail. Emaar has committed itself fully to the ideals of transparency and accountability Because of this. and it works endlessly to improve the lives of its customers. there would be no Emaar and so it works hard to go that extra mile. Emaar will adopt a strategy of business segmentation to create different business clusters functioning as different growth engines. CORPORATE VISION Transform Emaar into one of the most valuable lifestyle developers in the world beyond real estate development. CORPORATE STRATEGY To become one of the most valuable companies in the world. These relationships do not end when it sells a home .Emaar. play. Shaping the future. and it encourages people to speak up Iqra University 3 . finance. global solution provider for lifestyle. every time. Today CORPORATE MISSION Emaar’s mission is to transform Emaar into a one-stop. It is about understanding and listening.they are the ambassadors of any brand and the lifeblood of any company. industry and more. It is about giving people what they need. open communications is always a challenge From the very beginning. leisure. CUSTOMERS FOCUS Customers are not just a source of revenue . Customer focus is about relationships. including homes. work. this is just the beginning.
Emaar is there to help Emaar does not offer people jobs . Emaar believes such boundaries do not exist .if an employee has concerns or problems. pools and walkways where families spend time together further enriching their lives Emaar enters into emerging markets and. In order for a company to succeed. to explore.Emaar. It believes in strength through diversity Emaar encourage positive energy . through its developments. Today EMPLOYEE DEVELOPMENT & POSITIVE WORK ENVIRONMENT • • • • • • • It is not enough for employees to be happy in their work. work. play grounds. that good work does not go unrecognized Emaar is committed to helping its employees to develop their talents whether through formal training or day-to-day experience in the workplace Emaar is an equal opportunity employer. play and learn Emaar builds developments that enhance people’s surroundings. stimulates investment and creates jobs Emaar believes that social responsibility should be a part of everything Emaar does. that enrich people’s lives Emaar’s communities provide amenities like community centers. to test the boundaries of what is possible Indeed. from development to the use of materials At the same time. they must be passionate. Passion is about believing in what you do. [ Iqra University 4 . Shaping the future. Emaar is aware that the best idea in the world means nothing without execution [ SOCIAL RESPONSIBILTY • • • • • • Social responsibility is about giving something back. and Emaar does this with every project it takes on Emaar gives people places to live. SPEED & EXECUTION • • • • • • The only bad idea is keeping your ideas to yourself.it offers them an opportunity to grow.its starting point is that everything is possible Emaar wants its innovation to come from everyone in the company And it wants innovation to touch everything that it does . INNOVATION. Emaar works hard to ensure that people feel valued. Emaar has always placed great emphasis on ideas It encourages people to experiment.from marketing to sales.
which is another aspect of its Vision 2010. (b) sector threats that emerge from trends or uncertainties that are reshaping the specific industry. Shaping the future. While Emaar has been consistently achieving its financial objectives. they do not believe in resting on their success. as Emaar continues to grow in size and stature it becomes increasingly important to develop a means by which to compare achievements against the most successful. Saudi Arabia.Emaar. respectively. Adopting ISO 14001:2004 standard in its operations and working towards excellence in the environmental management is a way to create “Green Emaar”. On a broader basis. most esteemed companies in the world. Following the best practices and spreading environmental awareness are its prime duties in fulfilling this responsibility. [ ENTERPRISE RISK MANAGEMENT Enterprise risks are factors that can potentially cause heavy financial losses or fundamentally undermine the competitive position of the company. India and Pakistan. and (c) operational threats that reach a level of severity that they impact on the company’s strategic performance. conservation of natural resources and maintaining ecological balance. it entered into a joint venture with Turner International to scale up its project management capabilities. completing the construction of sales centres and “Street of Dreams” model homes for Morocco. Egypt. With a similar eye to execution. INTEGRATION OF ACQUISITIONS & JOINT VENTURE COMPANY The focus of our Group is on execution with a clear objective to ensure the timely and quality delivery of our domestic and international projects. they believe in reinforcing Iqra University 5 . Turner International has also commenced project coordination for the Emaar Group. In addition. enterprise risks can be segmented into three categories: (a) macro threats that emerge from the general geopolitical and macroeconomic environment in which the company operates. Environmental protection involves prevention of pollution. Today ENVIRONMENTAL POLICY Environmental protection is its responsibility towards its communities and future generations. On the contrary. Emaar acquired John Laing Homes and Hamptons International to grow its residential development capabilities and expand its international sales channels. MANAGEMENT BY OBJECTIVES The central aim behind the adoption of the MBO and KPI system is to ensure that all of Emaar’s people continue to pull in the same direction and maintain a sense of focus when working in an environment of rapid change.
Earnings per share (EPS) for the year 2007 were AED 1.Emaar. The value of this land increased by 74 per cent from AED 68 billion to AED 118 billion.05 (US$ 0. university or their personal life. He/she will be asked for examples of how he/she behaves in different situations drawing on examples from work.790 billion). Emaar recorded annual net profits of AED 6. The selection process may involve several stages. The net asset value of the Group. 3 per cent higher than the net profit of AED 6.813 billion) in 2006. real estate properties and market value of listed associates / companies. If anyone meets the requirements he/she will be required to attend an interview and perhaps complete some psychometric and/or personality tests. skills. knowledge and focus on finding the best people for the available jobs.371 billion (US$ 1.08 (US$ 0. Iqra University 6 . including the fair value of the land. increased 46 per cent from AED 11. EMAAR’S COMPETITORS There are the following top competitors of Emaar.29) compared to AED 1. Its strategy of creating significant value for our shareholders is progressing well. FINANCIAL PERFORMANCE Focusing on business segmentation.566 billion (US$ 4. under the direction of the Board of Directors. It is to this effect that. international expansion and strong regional partnerships in 2007.29) in 2006. Today Emaar and safeguarding its continuity even as it becomes increasingly exposed to the attendant risks that come with growth and expansion. Emaar initiated the programme for Enterprise Risk Management in 2007 RECRUITMENT Emaar’s recruitment is based on competencies or sets of behaviors. as well as for initial infrastructure requirements for its various international entities. The land bank of Emaar increased from 468 million square meters in 2006 to 519 million square meters as at end of 2007.9 per share in 2007. Shaping the future. the cash resources of Emaar have been earmarked for further strengthening its Malls and Hospitality assets to generate a stable stream of revenues.782 billion) compared to AED 14 billion (US$ 3.575 billion (US$ 1. Moving forward in 2008. Annual revenue increased by 25 per cent to AED 17.6 per share in 2006 to AED 16.735 billion) recorded in 2006 in spite of significantly lower land sales and slow down of the US real-estate sector during 2007. The interview will be about his/her experience.
Majid Al Futtaim operates through four segments: property. Construction projects include airports. BUSINESS SEGMENTS There are the following business segments of Emaar. The first island. will be home to private villas. retail.Emaar. international schools. manufacturing. It is also developing a master-planned community in Oman called The Wave Muscat. Majid Al Futtaim Group Company Description Majid Al Futtaim Group is the force behind Ski Dubai. The group's industrial and power projects unit operates as Arabian BEMCO Contracting Co. engineering. The group has joint ventures with Dalkia. when finished. People's Republic of China and Vietnam. ORIX. and telecommunications. the world's largest indoor ski resort. Hong Kong. it acquired Singapore-based Raffles Campus.4 million sq. but if you've got enough money you can buy one from Nakheel. and bridges. "shopping resort" where Ski Dubai is located. a 300-island archipelago called The World (shaped to mimic the continents). through its wholly owned subsidiary. Raffles Campus will manage and operate Emaar's roster of over 100 educational institutions which will include nurseries. and Mubadala. a 2. restaurants. ventures. Nakheel Company Description No man is an island. Emaar Education In line with Emaar’s Vision 2010 to become one of the most valuable companies in the world. tunnels. Raffles Campus has campuses not only Singapore but also in Dubai. India. Yemeni immigrant Mohammed bin Laden. and shopping malls that it will also manage. Emaar Education. By developing close ties to the Saudi royal family. and has established about 25 Carrefour hypermarkets in the region. Its Majid Al Futtaim Properties development company created many of Dubai's shopping malls and hotels. including Mall of the Emirates. mansions. and more than a dozen other large-scale developments across Dubai. JCB. ft. housing complexes. and the Majid Al Futtaim Trust. in September 2006 to spearhead its projects in the educational sector. the group expanded to include construction. Nakheel is populating its engineering feats with hotels. Shaping the future. a premier education provider. Today Saudi Binladin Company Description The firm was founded in 1931 by Osama bin Ladin father. shaped like a palm tree and called Palm Jumeirah. Nakheel is also constructing two other palm-shaped islands. will add more than 600 miles of coastline to Dubai. business schools and universities with emphasis on Iqra University 7 . The real estate developer is best known for constructing man-made islands that. and a 60-story Trump hotel. luxury apartment towers.
Professional instructors from across the globe will be recruited to teach at the Academy to instruct in the multifaceted property business and will draw upon award winning real estate developments both in the UAE and from across the globe. By upholding an integrated pathway model of education as one of its strengths. Shaping the future. Iqra University 8 . Emaar Education will be launching a series of vocational education and training programmes in 2008. These centres will offer world-class health services. These programmes will focus on equipping students with relevant and practical job-ready skills. The Academy will cover all aspects of the property market and will offer a range of undergraduate and graduate studies. the Indian Subcontinent and South East Asia in the next ten years.Emaar. Today an integrated model of education from the early development ages in the Nursery and Kindergarten through to the maturity ages in the Tertiary level. professional training programmes as well as vocational programmes. Property Management Academy Emaar has announced plans to establish the Emaar Property Management Academy – the region’s first professional academy for Property Management. The establishment of the University of the Arts is another step by Emaar towards becoming a provider of world-class education. With a capital expenditure of AED 18. The University of the Arts initiative will help to nurture creativity and cultivate global talent in these regions. Raffles Campus aims to provide the highest quality private education through its global campus network. Emaar Healthcare Group plans to develop and manage over 100 hospitals. Emaar Healthcare Group Emaar Healthcare Group is a diversification initiative of Emaar Properties in line with the company’s Vision 2010 to become one of the most valuable companies in the world.35 billion (US$5 billion). Entry to the Academy is open to those with a secondary school certificate and above. and also add value to the healthcare sector of the various countries through effective public-private partnerships. clinics and medical centres in the Middle East and North Africa region. Emaar Education announced its intention to establish a University of Arts to promote arts education in the Middle East and North Africa region and the Subcontinent. In view of the demand for skilled labour.
health clubs. Iqra University 9 . which involves integrating advanced medical infrastructure in all key centers. and the Dubai Marina and associated yacht club.Emaar. Emaar Healthcare’s mission is to enhance the quality of life by ensuring that integrated healthcare services of international standards are accessible to the people. Emaar Malls Group Emaar Malls Group LLC is focused on creating lifestyle destinations customized to the particular needs of the residential community they serve. Emaar Hospitality Group The Emaar Hospitality Group LLC manages the company’s growing roster of hospitality and leisure projects. the Downtown Burj Dubai. Crucial to this process is the creation of shopping malls and community centres that merge design. with a commitment to building a world-class 5 star hotel chain in under a decade. Emaar Hotels & Resorts Emaar Hotels & Resorts LLC is a subsidiary of Emaar Properties and was initially created as part of a joint venture project with world renowned. a polo and equestrian club. fashion maestro. Giorgio Armani. In tandem with the development and management of first class leisure facilities. Shaping the future. Today Emaar has a clearly defined development plan for healthcare. services and leisure options all within your reach. It ensures residents of Emaar’s master planned communities have access to exceptional sport. recreational. entertainment. Emaar Hospitality is rolling out The Address Hotels + Resorts during 2008. At the forefront of these developments is the Emaar Malls Group flagship The Dubai Mall. one of the largest malls in the world and an integral component of the region’s most prestigious urban development to date. Emaar Hospitality Group owns and manages a diverse and award-winning portfolio of leisure assets. hotel and business facilities. access and a retail mix offering all the amenities. It will also manage innovative initiatives that support the healthcare sector regionally and globally. Emaar’s masterplanned developments generate ambience and a feeling of community unmatched by any other developer. Emaar Healthcare Group will also form strategic tie-ups with renowned medical specialists to bring about and set best practice standards in all the regions it serves. including golf resorts.
Shaping the future. it has already entered into partnerships with leading entities in these markets and is now implementing creative designs for various master-planned communities. retail malls. mixed use projects and other large real estate development projects. emerging and growing markets. Emaar is also looking at other growing cities in the country Iqra University 10 . Emaar Hotels & Resorts embraces a minimum number of organizational levels. Emaar Properties marked a milestone in its plans for international expansion by being the first Middle East property developer to open a fully fledged office in China. mix-use properties that are unsurpassed in quality.Emaar. North Africa and Indian subcontinent. The first Armani/Emaar hotel is designed to be in the Burj Dubai and they are looking to develop and operate a collection of branded. Emaar’s main area of initial focus is the Middle East. Emaar’s multi-pronged approach will start with the development of modern. Leveraging on its strengths for successful real estate development in Dubai. providing faultless integration of spectacular design. community-centric lifestyle developments in Beijing and Shanghai. Emaar International Emaar International was launched in 2004 in a strategic move to expand its markets. innovation and service. reduce the risk of a single market and sustain growth for the future. Today Emaar aim is to develop and operate unique hotel branded products at five star level that are internationally recognized as the finest “lifestyle” oriented hotel or resort. Emaar made its name by introducing master planned lifestyle communities to the UAE and now it is taking this winning formula to the rest of the world. reporting relationships and staffing to ensure efficiencies and a lean organizational design. cutting edge technology and world class service in the markets. The office in Shanghai will guide its ambitious investment plans in China. These residential projects will feature the entire range of facilities including fitness centres.creating new choices and options for owners. schools as well as hotels. Emaar China On July 4th 2006. diversifying its source of revenues and bringing together resources from different entities and strengthen its global brand. Emaar International will play a key role in the Group's future progress by identifying untapped. Most of its international projects are scheduled to be completed in major cities and will add new levels of luxury living and modern cutting edge style to what is on offer .
civic facilities and amenities. Tamil Nadu and Maharashtra. Emaar is one of the first developers from the Middle East and North Africa region to expand into Indonesia. business and IT. especially in the tourism sector. schools and colleges. Today for more real estate development projects. landscaped gardens. Emaar Indonesia Emaar Properties has announced the US$600 million (IDR5446 billion) mixed-use project on Lombok Island that will build further on the tourism potential of the Lombok region. In December 2005 Emaar MGF announced India's largest FDI in real estate amounting to over half a billion dollars for projects with a capital expenditure of US$4 billion (Rs 18. town houses and villas. Emaar MGF is looking at integrated communities and homes which will make a real impact on the lives of the Indian people. The communities and townships will be designed and constructed by architects and contractors of international standing and supported by various experts in the fields of planning. construction. environment and other infrastructure.Emaar. Communities will include residential plots. This was followed by the signing of a joint venture in March 2008. Andhra Pradesh. Emaar MGF India Emaar MGF Land Private Limited is a joint venture company formed by Emaar Properties PJSC and MGF Developments Limited of India. for developing the project. transportation. along with convenient shopping. It will also look at strategic investments in healthcare and education. Emaar signed the Memorandum of Understanding (MoU) with Perusahaan Pengelola Aset (PPA). the state-owned Asset Management Company. Emaar Jordan Iqra University 11 . Shaping the future. In May 2007. an emerging market with strong growth potential. utility. Some of the planned communities will have hospitals. Emaar believes that it can make a significant contribution in strengthening the infrastructure of the country. They will also provide for the opening of international standard offices and IT parks which in turn will give a boost to industry.000 crore). Projects are planned for Delhi. between Emaar and Bali Tourism Development Corporation (BTDC). a state-owned firm under the Ministry of State-Owned Enterprises. Karnataka. With India posed to maintain a seven per cent plus GDP growth over the next 20 years and the world is beating a path to India.
idea and management expertise from the company’s International experience in this area. financed. furnished. the first green golf course in the country and 17. Emaar Misr. Emaar Morocco Emaar Properties and ONA Group. swimming pools. the leading Moroccan industrial and financial group. Emaar has proven expertise in developing complete life-style communities by integrating leisure and retail components into its residential projects. providing properties that are: of superior quality. a shopping centre. convenience retail. The project is located on the Dead Sea. a community centre that includes a recreation club. Emaar Properties acquired full ownership of its Egyptian subsidiary. The joint venture projects are expected to take place over a period of five years. They are striving to introduce features include eleven mosques as well as a Grand Mosque for Friday Prayers. and will have convenience stores and fashion outlets for residents and visitors across Middle East. public area. and food & beverage outlets. Emaar Misr entered the real estate market with a new and ambitious strategy based on its groundbreaking seven pillars philosophy that it plans to bring to Egypt. apartments and villas. Construction on the first phase has been started in January 2007. Shaping the future. Emaar Syria Iqra University 12 .000 sq m. managed and integrated. two hotels. The 400 acre community will boast 850 homes. The Jordan project derives inspiration. serviced.000 square meters of retail and entertainment. Emaar Middle East Emaar Middle East is a joint venture between Emaar Properties and Saudi-based real estate company Al Oula Development. Today Samarah. nursery/kindergarten.Emaar. healthcare facilities. Emaar Egypt In March 2007. finished. Dead Sea Golf and Beach Resort are Emaar’s first project in The Hashemite Kingdom of Jordan. unveiled details of a joint venture to create large scale residential and golfing development projects throughout Morocco. The retail center sprawls over an area of 110. two schools.
unveiled details of a joint venture that sets in motion plans to develop a mixed use furnished apartments. Emaar Turkey The Tuscan Valley project is a joint venture between Emaar Properties and Atasay.4 million tourists in 2005 and is aiming for tourism revenue of close to US$2 billion in 2006.The initial investment figure of US$700 million will be followed by a further US$5-10 billion over the next few years. Pakistan's President Pervez Musharraf and Prime Minister Shaukat Aziz.88 billion : TND 2. The country attracted 6. commercial space and hotel developments. This agreement provides Emaar with an important gateway into the US real estate market. creating on of the world's leading real estate developers in residential homebuilding. The development is in line with Tunisia's tourism policy which is focused on residence tourism which enables high end tourists to buy homes for longer stays.54 billion) Marina Al Qussor project on Tunisia's eastern coast.050 billion) all cash transaction was collectively approved by the boards of directors of both companies. Emaar signed a Memorandum of Understanding with Pakistan’s Port Qasim Authority for mixed use land development in Karachi. Turkey’s largest gold jewellery exporter. Emaar Tunisia In April 2006. The AED 3. In addition to the Tuscan Valley Project. Emaar announced plans to develop the AED 6. Minister for Ports & Shipping in the presence of His Highness Sheikh Mohammed bin Rashid Al Maktoum.7 billion (US$1.856 billion (US$1. the second largest privately held homebuilder in the US.Emaar. Shaping the future. The US$500 million project will recreate the luxury and style that are features of Emaar’s world-class Dubai developments. Emaar USA In June 2006 Emaar announced that it had acquired John Laing Homes. The Iqra University 13 . Emaar and Atasay are also currently focusing in identifying potential sites for shopping centres. The agreement was signed by Emaar Chairman Mohamed Ali Alabbar and Senator Babar Khan Ghauri. Emaar Pakistan In May 2006. Today Emaar Properties and IGO. the offshore investment and property development company. Partnering with John Laing Homes is consistent with Emaar's strategy of expanding its business on a global basis beyond Dubai. UAE Vice President and Prime Minister and Ruler of Dubai. commercial and retail development in Syria.
A hundred percent perfection is a commendable goal. Arabic and Spanish. Sheikh Zayed Center. parks. All three projects are expected to be completed in the next four to five years. The Highlands development is located within the Defense Housing Authority Islamabad (DHAI) Phase 1 extension and Canyon Views within the DHAI Phase 2 extension. managed by Hyatt Residency. but we will achieve it only by becoming entirely irrelevant in a fast-pace environment. There will also be residential suites in the main tower. can be put to the test by unexpected events. the largest reception (marriage)/conference halls in the country. Today landmark development will include a series of master planned communities that will set new standards in commercial. Emaar's expansion into Pakistan is in line with its Vision 2010 to become one of the most valuable companies in the world. community club houses.Emaar. a range of architectural styles ranging from Mediterranean. plus offices for Multi-National Companies and Large Local Private and Public Corporates. Emaar Pakistan is one of the largest investors in Pakistan's real estate sector and is developing The Highlands and Canyon Views in Islamabad. The Highlands and Canyon Views. We have to act. Sheikh Zayed Center in Lahore and Crescent Bay in Karachi. Mughal. Canyon Views. Iqra University 14 . Lahore Sheikh Zayed Center Lahore will have 3 residential apartment buildings of 20-25 floors each. carefully plotted to the last detail. Offering 50 separate community districts with their own individual identity. professionally managed by Hyatt Residency. lakes. will be available to select from. We cannot stand still. 2650 Townhouses & Villas and 1850 units in mid rise buildings in a range of architectural styles with easy access to amenities including retail centres. schools and mosques. The towers will contain 4000 residential apartments. Tuscan. CONCLUSION Business does not proceed in a straight line. Shaping the future. It will offer individual architectural styles for each tower within the development. Islamabad At the 1000 acres project. We live in a fast-moving world where speed is everything. Crescent Bay. residential and retail property within Pakistan. Emaar has planned approximately 4500 units. The main tower will also host a 5-star Grand Hyatt Hotel. Karachi A 108 acres of reclaimed land development featuring high and mid-rise towers for residential and commercial use. The best of plans. Crescent Bay is located within Karachi's DHA Phase 8 and in close proximity to the DHA golf course. a shopping centre and five star beachfront hotel.
Shaping the future.” Iqra University 15 . In the words of His Highness Sheikh Mohammed Bin Rashid Al Maktoum. our ability to innovate and create differentiation in the marketplace. those who let time manage their affairs will discover that time is a friend to those who work and take initiatives. those who wait for luck to make things happen will be disappointed. Today Growth is limited only by our mindset. but an enemy to those who depend on others and grow lazy.Emaar. VicePresident and Prime Minister of the UAE and Ruler of Dubai: “Those who neglect the new will remain at the back of the line. If we live by our confidence. we can do almost anything that we set out to do.
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