20 Best Places From Each Country

CIA the Factbook at 2012 Review and Latest Road Map with latest info 2013 plans.

CIA the Factbook at 2012 Review and Latest Road Map info.

The country facts in the link listed here are from the United States Central Intelligence Agency (CIA). The Factbook is published by the CIA to provide facts about countries to policymakers in the United States. It is not covert or secret, and as it says on its permissions page: "The Factbook is in the public domain. Accordingly, it may be copied freely without permission of the Central Intelligence Agency (CIA)."

It is interesting that the CIA Factbook has been the standard on the Internet for basic country facts for several years. It comes up as #1 on the Google search engine -- which ranks websites by how often they are used across the Internet. The CIA Factbook actually has no online competitor that gives so many facts for all the countries of the world. The CIA Factbook's advantages are many, most importantly being just facts with no commentary and thus not biased toward some point of view. There are lots of pages on the Internet about countries, but few list a lot of countries and most are aimed at specific audiences and have comments that are aimed at their particular audience. The CIA Factbook is used very often as a source when web authors want to just list facts. See, for example, the bottom of the page when you click this link from a university.

Commercial Banks in UAE Free Online Service
How many banks and branches in Dubai and UAE? 2012 and 2013
how to check account balance in abu dhabi commercial bank

how to check account balance in abu dhabi commercial bank

Number of banks in UAE is 52 at end of 2009, unchanged from 2008 (24 UAE banks, and 28 foreign banks).

Number of bank branches in the UAE increased by 10% in 2009 from 860 to 948 (includes head offices, banking service units, branches, etc) - from UAE Central Bank data report.
Number of ATMs in the UAE increased 48% from 2,420 at end of 2008 to 3,599 by the end of 2009.
Abu Dhabi Islamic Bank (ADIB) branches up from 44 to 52, and ATMs from 116 to 204 in 2009. Target for 2010 is 70 branches (comments by ADIB CEO, Tirad Mahmoud, reported on 25 February 2010 in Emirates Business 24-7).
RAK Bank opened 2 new branches and 12 ATMs in 2009 (comments by Graham Honeybill, General Manager of RAKBank in same report).

New UAE Central Bank maximum limits on fees and loans - update 28 February 2011

Regulations Regarding Bank Loans & Other Services Offered to Individual Customers - published by the UAE Central Bank (dated 23 February 2011 but not released until 28 February 2011?).
The UAE Central Bank issued a statement detailing new borrowing limits and caps on fees charged by banks in the UAE. According to the document, "These regulations shall be published in the Official Gazette in both Arabic and English, and shall come into effect one month after date of its publication," but publication date was not supplied. The new rules replace Circular No 12/93 dated 23/2/1993, Central Bank clarifications ref. DMM/1263/93 dated 6/7/1993, and any other related notices except for Notice No 1850/2004 dated 14/6/2004 regarding Armed Forces Personnel. Some details of the new fee limits are:

Personal loans allowed up to a maximum of 20x the monthly salary of the borrower.
Maximum repayment period allowed for personal loans is 48 months (4 years).
Car loan maximum of 80% of the value of the vehicle, with maximum repayment period of 60 months (5 years).
Overall total limit on monthly repayments is 50% of a borrowers net income including salary and any other revenue. This includes personal loans, credit card repayments, home mortgages, car loans, any other financing.
Credit cards to be issued only to customers earning a monthly salary of at least AED 5,000 (annual salary of AED 60,000), or "against a pledged deposit" of at least AED 60,000.
Account opening fees - nil.
Minimum balance - maximum of AED 3,000.
Account balance below minimum account balance - AED 25.
Standing order setup - maximum fee 50 dhs.
Standing order payment dishonoured - 25 dhs fee.
New chequebook - maximum 25 dhs (first one free?).
Bank check issue fee (Manager's Cheque) - 30 dirhams.
Bounced check fee - AED 100? But no charge if bouncing a cheque written to your self ("deposited in own account")?
Account Balance Letter - AED 50.
No Liability Certificate - AED 100.
Release Letter - AED 50.
Dormant Account charge - nil ("without fees").
Teller fees - AED 10 per transaction but first 6 per month should be free.
Pin code replacement fee AED 25.
Account closing fee AED 100 (but only if bank account closed within 1 year of opening, unknown if any fee after 1 year or how much).
Utility bill payments at teller - AED 10 per bill.
Foreign currency transactions processing fee - 2% of the amount (unclear if maximum or fixed).

As of end February 2011, the UAE has 23 local and 28 foreign banks (total 51 banks). Total value of outstanding personal loans rose 3.9% in 2010 to AED 247 billion dirhams ($67 billion). Personal loans made up 24% overall loan amount (which implies a figure of AED 1,030 billion (AED 1.03 trillion) (Bloomberg 28 February 2011).

PDF download of new Central Bank rules and fees at www.centralbank.ae/en/pdf/notices/RegulationsRegardingBankLoans.pdf.

Address and Phone numbers of Majer Banks in UAE

Bank	Telephone [+971]	Address
ABN-AMRO Bank NV	04 351 2200	Po Box 2567, Khaleed Bin Waleed Street
Abu Dhabi Commercial Bank Ltd.	04 2958888	Al Reqqa Street, Dubai
Al Ahli Bank of Kuwait	04 222 4175 04 2681118	PO Box 1719, Abu Baker Al Siddique St., Diera
American Express Bank Ltd	04 3975000	Hermitage Building - Ground Floor, Zabeel Road - Karama. Next to the General Post Office
ANZ Grindlays Bank PLC	04 5088222 04 3518741	Australia and New Zealand Banking Group Limited (Representative Office), BurJuman Centre, Level 7, Suite 704, PO Box 121939,
Arab African International Bank	04 2223131 04 3937773	Art Tower, Opposite Dubai Customs Al Mina Road, Bur Dubai, P.O. 1049,
Arab Bank for Investment	04 2220151 04 2220152	ARBIFT Tower, Baniyas St., Deira P.O.Box 5549
Arab Emirates Investment Bank Ltd.	04 2222191	904, Twin Towers,Bani Yas Street, P.O.Box: 5503, Deira
Bank Muscat Al Ahli Al Omani	04 2222267
Bank Saderat Iran	04 2221161
Bank of Baroda	04 3531955
Bank of Sharjah	04 2827278	Al Garhoud Street, Al Garhoud, Deira
Barclays Bank P.L.C.	04 3351555
HSBC	04 2227161	HSBC Bank Building Baniyas Square, Deira
HSBC Bank Middle East Limited	800 4722 (UAE) 04 2288007	HSBC Bank Building 312/45 Al Suq Road, Bur Dubai, P O BOX 66
Citibank (Main Branch)	04 5074110	Khalid Bin Al Waleed Street, Bur Dubai
Commercial Bank of Dubai Ltd.	04 2121000	Deira, Port Saeed, P.O. Box 2668, Dubai
Commercial Bank International	04 2275265	Al Reqqa Street, Deira, Dubai
Dubai Islamic Bank	04 2953000	Dubai Islamic Bank PSJ P.O.Box 1080
Emirates Bank (Main Branch)	04 3160316	Beniyas Road, P.O. Box 2923
First Gulf Bank	04 2941234	Al Yamamah Tower, P.O. Box. 52053, Deira
Habib Bank A.G. Zurich	04 2214535	Habib Bank AG Zurich, Beniyas Square, P.O.Box 3306 Deira
Lloyds Bank PLC	04 3422000	Al Wasl Road, Jumeirah
Mashreq Bank (Main Branch)	04 2223333	Omar Ibn Al Khatab Road, Next to Al Ghurair Center, Deira
National Bank of Abu Dhabi	04 3599111	Bank Street, near Burjuman Centre
National Bank of Dubai Ltd. (NBD)	04 2222111	Baniyas Road, Deira,
National Bank of Fujairah	04 3971700	Hamad Bin Abdullah Street, P.O.Box2979, Fujairah
National Bank of Ras Al-Khaimah	04 2226291	PO Box 1531, Sultan Business Centre, Dubai
National Bank of Umm Al Quwain	04 3796655 04 3975382	Dubai Main Branch NBQ Building Khalid Bin Al Waleed Street P.O. Box 9175
Philippine National Bank	04 3365940
Real Estate Bank UAE	04 2118888	Umm Ramool – Opposite Dubai Festival City, PB No.34567
Royal Bank of Canada	04 3313196	API World Tower, Office 1002, 10th Floor, Sheikh Zayed Road
Standard Chartered Bank	04 3520455	Al Mankhool Road, P.O. Box 999
U.A.E. Central Bank	04 3939777	PO Box 448 Dubai
Union National Bank	04 2211188	Al Maktoum Street (Al Maidan Tower),
United Arab Bank	04 2220181	Baniyas Street, Deira, Dubai

20 Best Places From Each Country

20 Best.net

Tuesday, August 23, 2011

Pics of Chernobyl latest image 2012 lost city russia

Wahba Crater Saudi Arabia Latest Photos 2012

Monday, August 22, 2011

CIA the factbook Review 2012 and Latest info Road Map

Commercial Banks in UAE and Free Online Services

New UAE Central Bank maximum limits on fees and loans - update 28 February 2011

NBD Dubai Free Services and internet City latest info