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UAE’s business loan demand grows over economic recovery

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Business loan demand has surged in the United Arab Emirates during the third quarter, reflecting confidence of the corporate sector in the economic recovery, showed the data of Credit Sentiment Survey.

According to the survey of senior credit officers across the banking sector by the Central Bank of UAE (CBUAE), the demand is at its highest peak since 2014.

The survey shows that the UAE’s credit sentiment results for the September quarter points to increased demand for credit, from both businesses and households, coupled with a softening of credit standards for the household sector.

For the September quarter, survey results suggested that demand for business loans surged further with strongest increase since 2014.

According to survey results, 47.5 per cent of respondents reported no change, 42.5 per cent reported an increase in demand, while 10 per cent of respondents reported a decrease in demand.

Looking forward, expectations for business and personal loan demand along with changes in credit standards bode well for credit growth in the months ahead.

The UAE’s economic recovery is fuelling a positive outlook and higher expectations for business loan demand in the months ahead.

Data showed credit demand from corporates and small businesses reported solid increase in demand, which continued to strengthen across all emirates.

According to the report, increased demand was widespread among the different loan categories, comprising large firms, domestic firms, government-related entities, and small and medium enterprises, and was primarily driven by customers’ sales, the property market outlook, interest rates, customers’ fixed asset investments, and seasonal influences.

Looking ahead to the December quarter, business loan demand is expected to remain strong across all emirates, although survey respondents expect a minor net tightening of credit standards.

The survey found the main drivers of increased demand were the housing market outlook, change in income, financial market outlook, and interest rates. The outlook for the December quarter remains optimistic with survey respondents expecting a strong increase in credit demand and a net easing of credit standards.

The results of the third quarter credit sentiment survey revealed contrasting trends in credit standards applied by banks to business and consumer lending.

Data showed a tightening of terms and conditions for loans to businesses across all categories in the September quarter. Survey respondents reported the highest degree of tightening for collateralization requirements, as opposed to a lower degree of tightening for spread of loan rates over cost of funds. Over the next three months, survey respondents expect credit terms and conditions to tighten further, mainly with respect to premiums charged on riskier loans and collateralization requirements

Looking forward, survey respondents expect the factors driving the change in credit standards to remain the same as those reported in the September quarter.

In the consumer credit segment, survey respondents expect a continued net easing of credit standards for personal loans in the December quarter. Credit standards for personal loans are expected to ease across all categories, the survey found.

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Dubai drivers warned of delays due to Oud Metha Road bridge diversion this weekend

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Dubai motorists face a temporary traffic diversion this weekend as road improvement works get underway on a key route.

Dubai’s Roads and Transport Authority (RTA) has announced a temporary diversion on the slow lane of the bridge connecting Oud Metha Road towards Abu Dhabi and Port Rashid.

The traffic change will begin at 11pm on Friday and remain in effect until 6am on Sunday, allowing development work to be completed in the area.

Drivers urged to allow extra time

Motorists travelling along the affected route are being advised to plan their journeys ahead of time and allow additional time for their trips.

Drivers should also pay close attention to road signs and traffic directions while the diversion is in place to avoid delays and ensure they reach their destinations smoothly.

New tunnel opens to ease congestion

The latest traffic diversion comes as Dubai continues to expand and upgrade its road network.

Earlier, the RTA opened a 260-metre single-lane tunnel linking Dubai–Al Ain Road with Oud Metha Service Road. The tunnel can handle as many as 1,200 vehicles per hour and is designed to improve traffic movement and reduce congestion.

The new link forms part of the broader Oud Metha Road and Al Asayel Street Development Project, a major infrastructure programme aimed at improving connectivity across the area.

According to an RTA update issued in late July, the project had reached 90 per cent completion at that stage.

Once completed, the improvements are expected to increase the traffic-handling capacity of Oud Metha Road by 50 per cent, helping create smoother journeys for motorists and improving connections to major destinations across Dubai.

For drivers using the Oud Metha area this weekend, however, the message is simple: check your route, leave early and follow the temporary traffic signs.

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Some UAE schools enforce tough rules on qaza haircuts, hoodies and energy drinks

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Students face tighter appearance and food rules as schools warn that banned items could be confiscated, recorded and punished under conduct policies, according to local media reports.

The new school year has barely got into its second week,  but some UAE students are already discovering that the rules are getting serious.

The UAE Ministry of Education’s 2026–27 public-school uniform guide requires approved uniforms and says hair should be styled appropriately according to local customs and remain its natural colour

Several public and private schools have now stepped up checks on student appearance, behaviour and food, introducing tougher controls covering everything from hairstyles and hoodies to what youngsters can bring in their lunch bags.

Among the biggest no-go items are qaza-style haircuts, long hair for male students, hoodies worn inside school premises, energy drinks, fizzy drinks, tea, coffee and chips.

And schools are warning that ignoring the rules could have consequences.

Haircuts under the microscope

Students sporting a qaza haircut, in which part of the head is shaved while another section is deliberately left long, have been put on notice.

Long hairstyles for male students are also among the appearance rules being enforced.

Schools say the measures are designed to promote a consistent appearance and discourage behaviour they believe conflicts with educational and social values.

The message to students is clear: what might pass as a trendy look outside the school gates may not make the cut once they walk into school.

Hoodies? Not inside school

The crackdown doesn’t stop at hair.

Schools have also prohibited students from wearing hoodies inside school premises, with the appearance requirements applying from the moment students enter through the gates.

Parents and students have been informed through circulars and official communications outlining the restrictions.

Your lunchbox could also land you in trouble

It isn’t just what’s on students’ heads that’s being scrutinised.

Schools are also tightening controls over what youngsters bring through the gates.

Tea, coffee, soft drinks, energy drinks and chips of all types have been listed among the prohibited food and beverages.

And there’s an important detail: students don’t necessarily escape a violation simply because they haven’t consumed the item.

Schools have warned that having a prohibited food or drink in a student’s possession can itself trigger action.

The item may be confiscated, the incident officially recorded and the school’s conduct code applied, potentially including deductions to the student’s conduct grade.

Students are instead being encouraged to rely on the nutrition and food options supplied by the school’s approved canteen service.

Schools say it’s about more than looks

School administrations say the tighter rules are not simply about policing fashion or deciding what ends up in a lunch bag.

They argue that appearance, conduct and nutrition are part of creating a structured educational environment and reinforcing respect for teachers, classmates and the wider school community.

The schools have also connected the measures to the qualities they want to develop in Emirati students, including national pride, responsibility, discipline, respect, academic ambition and a commitment to excellence and creativity.

In their view, a smart and appropriate appearance is not merely about looking the part. It is intended to reflect a student’s attitude towards themselves, their teachers and fellow students.

The new school-year message

With the academic year now gathering pace, students and parents are being urged to pay close attention to individual school circulars and requirements.

For pupils, that could mean checking the hairstyle before leaving home, leaving the hoodie behind and thinking twice before slipping a can of fizzy drink or a packet of chips into the school bag.

Because this year, UAE schools appear to be taking the message very seriously: school rules start at the gate, and they don’t end with the uniform.

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Dubai school holiday dates changed: Parents need to know about new October half-term

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Dubai parents may need to rethink their October plans after some schools brought forward their half-term holiday by one week.

Several private schools in the emirate have revised their academic calendars, moving the October break from October 19–23 to October 12–16.

The change affects schools including Dubai British School, Safa British School and Arab Unity School, according to reports.

For families at these schools, the earlier holiday means children will finish classes on Friday, October 9 and return on Monday, October 19.

With the weekends included, students will effectively have nine consecutive days away from school, from October 10 to October 18.

Why has the October break changed?

Parents at affected schools were notified of the revised dates through school communications.

The updated calendars are intended to bring school holidays in line with the academic calendar set by Dubai’s Knowledge and Human Development Authority (KHDA) and the Ministry of Education (MoE).

The adjustment means families who had been planning trips around the originally published October 19–23 break should check their school’s latest calendar before finalising arrangements.

Is every Dubai school changing its dates?

No, and this is important. The revised dates do not automatically apply to every private school in Dubai.

Holiday schedules can differ depending on the curriculum a school follows and the regulations under which it operates. Schools following curricula other than the British curriculum may have different term and holiday dates.

Parents should therefore rely on the latest information issued directly by their child’s school rather than assuming that all schools will follow the same October schedule.

Could Dubai students get another mid-term break?

There is another possibility parents should be aware of.

The current academic calendar does not include a February half-term for schools that follow this schedule. Some private schools may choose to divide their mid-term holiday and introduce a break in February instead.

However, schools cannot simply add extra days off. Any change would require the necessary approvals, and the total break must remain within the permitted five school days.

What are the revised dates?

For schools that have adopted the earlier October break:

Last day before holiday: Friday, October 9
Half-term: October 12–16
Weekend: October 17–18
Students return: Monday, October 19

That gives students a break of nine days when the two weekends are included.

What parents need to know?

Before booking flights or making October holiday plans, parents should check their school’s latest academic calendar or parent circular.

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