James Mitchell

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James Mitchell covers business and markets for Gulf Times Now — company results, economic data, banking, real estate and the deals reshaping the GCC. He writes the numbers side of the Gulf economy: what a figure actually means for the companies and people behind it, rather than the headline it makes. His work runs across our Business and Markets sections.

Exclusive articles:

What the Central Bank Rulebook Actually Gives Bank Customers

The five-business-day cooling-off right most UAE bank customers sign away, the complaint deadlines banks must meet, and what lenders owe you before lending.

Wio, Zand and Ruya: The UAE’s Digital Banks and Who They Suit

What the Central Bank’s own register shows about Wio, Zand and ruya — their licence categories, who they serve, and why Liv and Neo are not banks.

Economic Substance Regulations: Why the UAE Scrapped ESR

The UAE ended Economic Substance Regulations for financial years ending after 31 December 2022 — but 2019-2022 filings and penalties are still live.

Buying Property in Abu Dhabi: Freehold Zones, DARI and Registration

How Abu Dhabi property purchases actually work — why the freehold zone lists conflict, what Law 13 of 2019 allows, escrow rules and the confirmed fees.

First Abu Dhabi Bank: How FAB Became the UAE’s Largest Lender

How the NBAD–FGB merger created First Abu Dhabi Bank — the exact dates, the ownership split, the H1 2026 balance sheet and the ratings behind it.

Breaking

Bahrain’s Good Conduct Certificate Costs One Dinar, Not Three

Bahrain's Good Conduct Certificate costs 1 BD and takes five working days, not the three dinars widely quoted. Fees, documents, and the rule for former residents.

The UAE Travel Ban Page Everyone Links To Does Not Exist

The ICP travel ban inquiry everyone links to returns a 404. Where the check actually lives in Abu Dhabi and Dubai, and what the 2022 cheque law changed.

Kuwait’s Police Certificate Lives in an App, and Closes When You Leave

Kuwait issues its police clearance as a Criminal Status Certificate through the Sahel app, and only to current residents aged 18 and over. The verified process.

Oman’s Police Certificate: Almost Every English Guide Names the Wrong One

The Royal Oman Police issues two certificates, not one, and expatriates cannot get the Good Conduct one. The real process, the real fees, and where guides go wrong.
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