Bonds, Loans & Sukuk Middle East
14 - 15 September 2021
Madinat Jumeirah, Dubai

The Middle East’s largest corporate and investment banking event

Bringing buyers and sellers together to conduct business

REGISTER TODAY

Platinum Sponsor

Emirates NBD

Platinum Sponsor

First Abu Dhabi Bank (FAB)

Gold Sponsor

BofA Securities

Gold Sponsor

GIB Capital

Gold Sponsor

SMBC

Silver Sponsor

Citi

Silver Sponsor

Crédit Agricole CIB

Silver Sponsor

White & Case

Bronze Sponsor

ADFG/SHUAA

Bronze Sponsor

Akin Gump Strauss Hauer & Feld LLP

Bronze Sponsor

Bank of New York Mellon (BNY Mellon)

Bronze Sponsor

Bank of Sharjah

Bronze Sponsor

Barclays

Bronze Sponsor

Boubyan Bank

Bronze Sponsor

Capital Markets Malaysia

Bronze Sponsor

DWF

Bronze Sponsor

Finsight

Bronze Sponsor

Intertrust

Bronze Sponsor

Kuwait International Bank

Bronze Sponsor

Squire Patton Boggs

Bronze Sponsor

United Arab Bank

Bronze Sponsor

Warba Bank
1,200+
Attendees
70+
Expert Speakers
80%
of all 2019-2020
Issuers attended
200+
Pre-arranged Meetings

Bonds, Loans & Sukuk Middle East

Bonds, Loans & Sukuk Middle East is the only event that brings together issuers, borrowers, investors and bankers to discuss the developments of local and international bond, syndicated loan and sukuk markets.

With over 1,200 delegates in attendance at this year's event, this is the region's largest finance and investment conference. By attending you will network with key decision makers from existing and potential clients. Established as the annual meeting place for senior capital markets professionals to network and build business connections; Bonds, Loans & Sukuk Middle East is the one event you cannot afford to miss.

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COMPANIES THAT ATTEND ANNUALLY

  • A.A. Al Moosa Enterprises LLC
  • AASA group
  • Abdul Latif Jameel International
  • Aberdeen Asset Management
  • Aberdeen Standard Investments
  • Abu Dhabi Aviation
  • Abu Dhabi Capital Group
  • Abu Dhabi City Municipality
  • Abu Dhabi Commercial Bank (ADCB)
  • Abu Dhabi Developmental Holding Company
  • Abu Dhabi Exchange
  • Abu Dhabi Future Energy Company - Masdar
  • Abu Dhabi Investment Company
  • Abu Dhabi Investment Council
  • Abu Dhabi Islamic Bank (ADIB)
  • Abu Dhabi Municipality
  • Abu Dhabi National Energy Company (TAQA)
  • Abu Dhabi National Oil Company (ADNOC)
  • Abu Dhabi Ports Company
  • Abu Dhabi Power Corporation
  • Abu Dhabi Terminals
  • ACCIONA
  • Acciona Agua
  • Acreditus
  • ACWA Power
  • AD Global Investors Limited
  • ADCM Altus Investment Management Ltd
  • ADES international
  • ADFG/SHUAA
  • ADNOC Distributions
  • ADQ
  • Advanced Electronics Systems International
  • Adwar Engineering
  • AECOM
  • Africa bridge capital
  • African Export-Import Bank (Afreximbank)
  • AGFUNF
  • Agilitiy
  • Agricultural Bank of China
  • Agricultural Development Fund
  • AIA
  • Air Arabia
  • Aiteo Group
  • Ajmal Perfumes International
  • Akin Gump Strauss Hauer and Feld
  • Al Ahli Holding Group
  • Al Bassami International Business Group
  • Al Blagha Group
  • Al Dahra Holding
  • Al Elm Information Security
  • Al Fahim Group
  • Al Fakher
  • Al Fardan
  • Al Fardan Group
  • Al Farwaniya Property Developments
  • Al Futtaim
  • Al Futtaim Group Real Estate
  • Al Ghurair
  • Al Ghurair Properties
  • Al Habtoor Investment LLC
  • AL INMA Bank
  • Al Jaber Group
  • Al Mal Capital
  • Al Marjan Island
  • Al Masah Capital
  • Al Mazroui Group of Companies
  • Al Muhaidib Group
  • Al Nahham Real Estate
  • Al Nasser Industrial Ent
  • Al Rajhi Holding
  • Al Reyami Group
  • Al Wathba National Insurance
  • Al Yousuf Group
  • Al Yusr Leasing and Financing
  • Alajlan Sons Investment Company
  • Albaraka Bank
  • Albaraka Turk
  • Albilad Capital
  • Alcazar Energy
  • Aldar
  • Aldar Properties
  • Alfanar Company
  • Alghanim Industries
  • Al-Hazaa Investment Group
  • Ali Bin Ali Group
  • Alinma Bank
  • Alinma Investment
  • Alkhair Capital
  • Al-Khomasiah Real Estate Development Company
  • Allen & Overy
  • AllianceBernstein
  • AlMajdouie
  • Almarai Company
  • AlPha Capital
  • ALQAHTANI HOLDING
  • Al-Qahtani Pipe Coating Industries
  • Alshaya Group
  • Altica Partners
  • Aluminium Bahrain
  • Alzayani Investment
  • Aman Insurance
  • Amanat Holding
  • AMEA Power
  • Amundi Asset Management
  • AN Associates LLC
  • Anka Management Consultancy
  • Apollo Global Management
  • Apparel Group
  • APT Management & Tax Consultancy
  • Arab Authority for Agricultural Investment and Development
  • Arab Petroleum Investments Corporation (APICORP)
  • Arabian Centres
  • Arabian Construction Company
  • Arabian Health Care (AHC)
  • Arabian Processing Holding
  • Arabtec Construction
  • Arabtec Holding
  • Arada Development
  • Arkan Building Materials Co PJSC
  • Arqaam Capital
  • Arthur Cox
  • Ashurst
  • ASK Investment Managers
  • ASMA Capital Partners
  • Atomium Group
  • Atrato Capital
  • Attijariwafa Bank
  • Aurum Fund Management
  • Australia and New Zealand Banking Group (ANZ)
  • Avantis 4E DMCC
  • Averda International Services LLC
  • Avivo Group
  • AW Rostamani
  • Awad Capital
  • AXA Insurance
  • AXA XL
  • Axius Capital
  • Azimut
  • Bahrain Islamic Bank
  • Bahrain Petroleum Company (BAPCO)
  • Bahrain Telecom
  • Bahri
  • Baker McKenzie
  • BAM International
  • Banan Aloula Investment Company
  • Banca IMI
  • Bank ABC
  • Bank Albilad
  • Bank Islam Brunei Darussalam
  • Bank Muscat
  • Bank of Indonesia
  • Bank of Jordan
  • Bank of Sharjah
  • Bank of Singapore
  • Banque Du Caire
  • Banque Internationale a Luxembourg
  • Banque Libano-Française
  • Banque Saudi Fransi
  • Barclays
  • Barings
  • Bayfront Infrastructure Management
  • Bee'ah
  • Beyridge
  • Bezen & Partners
  • Bidaya Home Finance
  • Bin Butti International Holdings
  • Binsammar Contracting Company
  • Bird & Bird
  • BlackRock
  • Bloom Properties
  • BMO Global Asset Management
  • BNP Paribas
  • BNY Mellon
  • Boeing Capital Corporation
  • BofA Securities
  • Bond Radar
  • Borouge
  • Boubyan Bank
  • BRF
  • Broadgate Advisers
  • Brookfield Asset Management
  • BRS Capital
  • Brunei Investment Agency
  • Bukhatir Group
  • Bupa Arabia
  • BUTEC
  • Byrne Equipment Rental
  • CA Indosuez Wealth Management
  • Cairo Amman Bank
  • California Public Employees' Retirement System (CalPERs)
  • Capital Investments
  • Capital Markets Authority, Saudi Arabia
  • Capital Markets Malaysia
  • Carbon Holdings
  • Cargill
  • Catella Middle East
  • Central Bank of Oman
  • Central Bank of the United Arab Emirates
  • Chelsea Skys
  • Churchgate Partners
  • Citi
  • Clifford Chance
  • Clyde & Company
  • Colchester Global Investors
  • Commercial Bank International
  • Commercial Bank of Dubai
  • Commercial Bank of Kuwait
  • Commerzbank
  • Costra Group
  • Credit Agricole CIB
  • Credit Suisse
  • CreditSights
  • Creek Capital
  • Crescent Petroleum
  • Crosspoint Inc
  • Crowngate International
  • Dabur International
  • Dalma Capital Management Limited
  • DAMAC
  • Damac Investment Company
  • Daman
  • Dana Gas
  • DANWAY
  • Dar Al Arkan
  • Dar Al-Arkan Real Estate Development Company
  • Das Holding
  • db Solar Prime Holding
  • DBS Bank
  • Debt Management Office Ministry of Finance, Kingdom of Saudi Arabia
  • Dechert
  • Dentons
  • Depa
  • Department of Finance, Abu Dhabi
  • Department of Finance, Dubai
  • Deutsche Bank
  • Deutsche Private Bank
  • Diamond Developers
  • DirectFN
  • Dodsal Group
  • Dow Chemicals
  • DP World
  • Drake & Scull
  • DTVC
  • Dubai Aerospace Enterprise
  • Dubai Airport Free Zone Authority
  • Dubai Aviation City Corporation
  • Dubai Cable Company (DUCAB)
  • Dubai Electricity and Water Authority (DEWA)
  • Dubai Gold and Commodities Exchange
  • Dubai Healthcare City (DHCC)
  • Dubai Holding
  • Dubai Investments Park
  • Dubai Islamic Bank
  • Dubai Multi Commodities Centre (DMCC)
  • Dubai Municipality
  • Dubai Sports City
  • Dubai World Trade Centre
  • DUBAL Holding
  • DWF LLP
  • E Fund Management
  • Eagle Hills Properties LLC
  • Easa Saleh al Gurg
  • East Coast Group
  • Eastspring Investments
  • Edge Group
  • EFG Hermes
  • Egyptair Holding Company
  • Egyptian Association for Educational Resources
  • Electrical Industries Company
  • Elsewedy Electric
  • Emaar - The King Abdullah Economic City
  • Emarat
  • Emerging Markets Investment Management
  • Emirates Airline
  • Emirates Conversion Industries (Senaat)
  • Emirates Development Bank
  • Emirates Global Aluminium (EGA)
  • Emirates Health Care Group LLC
  • Emirates Hospitals Group
  • Emirates Investment Bank
  • Emirates National Oil Company (ENOC)
  • Emirates NBD
  • Emirates NBD Asset Management
  • Emirates Nuclear Energy Corporation (ENEC)
  • Emirates Re Takaful
  • Emirates Ship Investment Company LLC
  • Emirates Water & Electricity Company (EWEC)
  • Emrill Services LLC
  • ENEC
  • Energy Factory FZCO
  • Energy Industries Council
  • Enerwhere
  • Engie
  • ENI Petroleum
  • Epicure Investment Management
  • Equate Petrochemical Company
  • Equitativa
  • Erkaz Investment Co.
  • Etihad Airways
  • Etihad Credit Insurance
  • Etihad Esco
  • Etihad Rail
  • Etisalat
  • Eurasia Group
  • Euroclear
  • Euronext Dublin
  • European Bank for Reconstruction and Development (EBRD)
  • Exeed Industries LLC
  • Exotix Partners
  • Falcom Financial Services
  • Falcon Group
  • Falcon Private Bank
  • Falcon Private Wealth
  • FAS Energy
  • Fawaz AlHokair Group
  • Fawaz Trading and Engineering Company
  • Federal Electricity & Water Authority (FEWA)
  • Federated Investors
  • FFA Private Bank
  • Fiducia Capital
  • FIM Partners
  • Finance House
  • Financial Regulatory Authority of Egypt - FRA
  • Fincross
  • Fine Hygienic Holding
  • FINSIGHT
  • First Abu Dhabi Bank (FAB)
  • Fisch Asset Management
  • Fitch Ratings
  • Fitch Solutions
  • Flag Holding
  • Flydubai
  • Foulath Holding B.S.C.
  • Franklin Templeton
  • FTSE Russell
  • FTV Global Treasury Center Management Limited
  • Fujairah Oil Terminal FZC
  • Galadari Advocates & Legal Consultants
  • Galadari Brothers
  • GAM Fund Management
  • GCS Contracting
  • Gems Education
  • General Electric (GE)
  • GFC Media Group
  • GIB Capital
  • Global Credit Advisory
  • Global Infrastructure Partners
  • Goldman Sachs
  • Government of Sharjah
  • Green Energy Solutions & Sustainability LLC
  • Greylock Capital Management
  • GU Advisory
  • Gulf Bank
  • Gulf Bond and Sukuk Association (GBSA)
  • Gulf Capital
  • Gulf International Auditing
  • Gulf International Bank
  • Gulf Investment Corporation (GIC)
  • Gulf Marine Services
  • Gulf Petrochem
  • Gulf Pharmaceutical Industries
  • Hakan Agro
  • Halo technology Systems FZCO
  • Hamriyah Free Zone Authority
  • Herbert Smith Freehills
  • Hikma Pharmaceuticals
  • Hogan Lovells
  • Holman Fenwick Willan (HFW)
  • Howdens
  • HSBC
  • HSBC Global Asset Management
  • Human Resources Development Fund (HRDF)
  • I-Bankers Securities
  • ICBC Standard Bank
  • ICICI Bank
  • IFFCO
  • IHS Markit
  • IMKAN MISR
  • Independent
  • Inforica Inc.
  • ING Bank
  • Inovest
  • Instinctif Partners
  • Int Netlink Technologies
  • International Airfinance Corporation
  • International Islamic Liquidity Management Corporation
  • International Maritime Industries (a Saudi Aramco Joint Venture)
  • International Renewable Energy Agency
  • Intertrust
  • Intesa Sanpaolo
  • Invesco
  • Invest AD
  • Investment & Development Office Govt. of RAK
  • Investment Corporation of Dubai (ICD)
  • Iridium Advisors
  • Islamic Corporation Development (ICD)
  • Islamic Corporation for the Development of the Private Sector (ICD)
  • Islamic Development Bank
  • Islamic Trade Finance Corporation (ITFC)
  • Ithmar Capital
  • Ithra Dubai
  • Ittihad International Investment
  • J & P trading FZE
  • Jacobs Engineering
  • Jadwa Investment
  • Jibrel Network
  • Jiva Capital Limited
  • JLT Speciality Limited
  • Jordan Atomic Energy Commission
  • Jordanian business council
  • Joy Allukas
  • JP Morgan
  • Julius Baer and Company
  • Jupiter Asset Management
  • KAAF Investments LLC
  • KAMCO Investment Company
  • KBBO Group
  • KBW Investments
  • KFH Capital Investment Company
  • KFH Investment Company
  • KfW IPEX Bank
  • Klay Capital
  • Kludi RAK LLC
  • Knight Frank
  • Kolhberg Kavirs Roberts & Co (KKR)
  • Kuwait Finance House
  • Kuwait Food Company (Americana) K.S.C.P
  • Kuwait International Bank
  • Kuwait National Petroleum Company
  • Kuwait Petroleum Corporation (KPC)
  • Kuwait Petroleum International
  • LafargeHolcim
  • Lakhraim Business Group
  • Landesbank Baden-Württemberg (LBBW)
  • Landmark Group
  • Lazard
  • Legal & General Investment Management
  • LGT Capital Partners
  • Lifecare International Insurance Brokers LLC
  • Link Lease
  • Linklaters
  • Liquidity Finance LLP
  • LLB
  • Loan Radar
  • Lockheed Martin Global Inc.
  • Lombard Odier Asset Management
  • London Stock Exchange
  • Lootah Capital LLC
  • Lootah Group
  • Louis Dreyfus Company
  • Loukil Investment Group
  • LuLu Group International
  • LUMIERE G INTERNATIONAL LTD
  • M H Alshaya Company
  • M&H Group - Ali Al Hashimi
  • M7 Capital
  • Ma'aden
  • Maghreb Titrisation
  • Mahindra EPC
  • Majid Al Futtaim Group
  • Manazel Real Estate PJSC
  • Mantrac Group
  • Manulife Asset Management
  • Maples Group
  • Marafiq
  • Mariana Investment Partners
  • Maridive & Oil Services
  • Markel International
  • Marsh & McLennan
  • Marubeni Corporation
  • Mashreqbank
  • Massar Solutions
  • Mauritius Commercial Bank
  • Maven Investment Partners
  • Mawarid Holding Investment
  • Maybank Asset Management
  • Mazoon Electricity Company
  • Mazrui International
  • MCB Capital Markets
  • McDermott
  • Meraas Holding
  • Mercuria
  • Metinvest
  • Metito
  • Metro Jeddah Company
  • Mi CAPITAL
  • Midcom Group
  • Milaha Capital
  • Ministry of Economy & Planning, Saudi Arabia
  • Ministry of Finance, Egypt
  • Ministry of Finance, Kingdom of Bahrain
  • Ministry of Finance, Kingdom of Saudi Arabia
  • Ministry of Finance, Qatar
  • Ministry of Finance, UAE
  • Ministry of Housing Saudi Arabia
  • Ministry of Housing, Saudi Arabia
  • Ministry of Housing, Utilities and Urban Development, Egypt
  • Ministry of Works, Bahrain
  • Miral Asset Management
  • Mirfa International Power & Water Company PJSC
  • Mitsui & Co
  • Mizuho Bank
  • Mizuho International
  • Mizuho Saudi Arabia Company
  • MM Group for Industry & International Trade
  • Mobily
  • Moody's Investors Service
  • Morgan Lewis
  • Morgan Stanley
  • Morgan Stanley Alternative Investment Partners
  • Moroccan Agency for Sustainable Energy (MASEN)
  • Mott MacDonald
  • Mubadala Investment Company
  • MUFG
  • Mumtalakat
  • Munch International Holding
  • Murex
  • Mushrif Trading & Contracting Company KSCP
  • Nahdi Medical Company
  • NAI Saudi Arabia
  • Najm for Insurance Services
  • Nakheel
  • Nama Holding
  • Nasser Saidi & Associates
  • National Bank of Bahrain
  • National Bank of Fujairah
  • National Bank of Kuwait
  • National Bank of Oman
  • National Bonds Corporation
  • National Center for Privatization & PPP
  • National Commercial Bank
  • National Petroleum Services
  • National Takaful
  • Natixis
  • NBB Capital Investment
  • Nebras Power
  • Nestle
  • Neuberger Berman
  • Nimr International LLC
  • NMC Healthcare
  • Noga Holding
  • Noor Bank
  • Norton Rose Fulbright
  • Nurol LLC
  • Oasis Insurance Group
  • Oasis Investment LLC (Al Shirawi Group - ESG)
  • OCTAL
  • Olayan
  • Old Mutual Specialised Finance
  • Oman Aviation Group
  • Oman Insurance Company
  • Oman Oil Company
  • Oman Shipping
  • Omantel
  • Omnix International
  • Omniyat Properties
  • OneFoods
  • OQ
  • Oq Gas Networks LLC (formerly Oman Gas Company SAOC)
  • Orascom Construction Industries
  • OurCrowd
  • Ozkan Gurden Bingol Attorney Partnership
  • Palm Hills Development
  • Pension Boards UCC Work
  • Permasteelisa Gartner Middle East LLC
  • Petrofac
  • Petroleum Development Oman
  • Petrorabigh
  • Phanes Group
  • PIC
  • Pinnacle solutions
  • Power China
  • Prestige Economics
  • Principles for Responsible Investment
  • Public Investment Fund (PIF)
  • Qassim Cement
  • Qassimiya Holding
  • Qatar Financial Centre
  • Qatar Insurance Company
  • Qatar National Import and Export Company
  • Qatar Petroleum
  • Qinvest
  • Quantum Investment Bank
  • Quencia Capital
  • Raidah Investment Company (RIC)
  • RAK Ceramics
  • RAK Porcelain LLC
  • Rakbank
  • Rakbank - National Bank of Ras Al Khaimah
  • Ras Al Khaimah Investment & Development Office
  • Rasmala
  • Rassmal Investments
  • Rawabi Holding
  • Raymond James Financial
  • Real-Estate Development Fund (REDF)
  • Reaya Holding
  • Red Sea Housing Services Company FZE
  • Red Sea National Refinery and Petrochemicals Company
  • Reed Smith
  • Reem Investments
  • Regulation & Supervision Bureau
  • Rekaz Capital Investment
  • Renaissance Holding
  • RHB Asset Management
  • RKH Specialty
  • Roshan
  • Rosneft
  • Royal London Asset Management (RLAM)
  • S&P Global
  • Sabic
  • Salehiya Trading Company CJS
  • Samba Financial Group
  • Sanad Aero Solutions
  • Sancta Capital
  • Santander
  • SATORP Saudi Aramco Total Refining & Petrochemical Corporation
  • Saturna
  • Saudi Arabian Oil Company (Saudi Aramco)
  • Saudi Aramco
  • Saudi Aramco Base Oil Company - Luberef
  • Saudi British Bank
  • Saudi Bugshan Holdings
  • Saudi Electricity Company
  • Saudi Football Federation
  • Saudi Kayan Petrochemical Co.
  • Saudi Real Estate Refinance
  • Saudi Water Partnership Company (SWPC)
  • Saudimed Investment Company
  • Schneider Electric
  • Scope Group
  • Scope Ratings
  • Security Papers
  • Securrency
  • Seder Group
  • Senaat
  • SEPCOIII
  • Seplat Petroleum
  • Shanghai Electric
  • Sharaf Group
  • Sharjah Asset Management
  • Sharjah Electricity and Water Authority
  • Sharjah Islamic Bank
  • Shearman & Sterling
  • Shell
  • SICO Bank
  • SICO Investment Bank
  • Siemens
  • SIG Combibloc Obeikan FZCO
  • Silverdale Capital
  • SIMAH
  • Simmons & Simmons
  • SingAlliance
  • Singapore Exchange
  • Singapore University of Social Sciences
  • SinoGulf Investments
  • Sipchem
  • Skyless Limited LLC
  • SkyPower Global
  • SMBC Nikko Capital Markets
  • Socar Trading
  • Societe Generale
  • Spektrum Capital
  • Squire Patton Boggs
  • Standard Chartered Bank
  • Strabag
  • Strategic and Precious Metal Processing (FZC) LLC
  • Strategic Investment Capital
  • Stratton Street Capital LLP
  • Sukuq
  • Sumitomo Corporation
  • Sumitomo Mitsui Banking Corporation (SMBC)
  • Sumitomo Mitsui Banking Corporation Europe (SMBCE)
  • Summit Global Power
  • Sun Global Investments
  • Tabarak Investment
  • Tabreed
  • TAFE Arabia Technical and Further Education
  • Taghleef Industries
  • Takaful
  • Talaat Moustafa
  • Talc Investments
  • Tamasuk Holding Company
  • Tamouh Investments
  • Tamweel Al-Oula Financing
  • Tanmiah Foods Company
  • TAQA
  • Tasnee
  • TAV Construction
  • Tawazun Holding
  • TECOM
  • Telecom Egypt
  • Tellimer
  • Teneo Strategy
  • Texel Finance
  • Teyliom
  • Tharwat for Financial Securities
  • The Arab Gulf State Institute in Washington
  • The National Investor
  • The Standard Bank of South Africa Limited, DIFC Branch
  • Themaar Investments
  • Topaz Energy & Marine
  • Tradeline Securities
  • Tradeways
  • Transpo Group
  • Triada Capital Ltd
  • Tristar Transport
  • Trojan Holding
  • UAE Exchange
  • Ubhar Capital
  • UBS
  • Union Investment Privatfonds
  • Union National Bank (UNB)
  • Union Properties
  • United Arab Bank
  • United Electronics Company
  • United Energy Group Limited
  • UTI International
  • Vakif Katilim
  • Vale
  • Valentine Maritime Gulf (LLC)
  • Valentus Capital Management
  • Veolia
  • Vienna Stock Exchange (Wiener Börse)
  • Vigeo Eiris
  • Vision Invest
  • Voya Asset Management
  • Voya Investment Management
  • Walkers
  • Warba Bank
  • wasl
  • White & Case
  • Winston & Strawn LLP
  • Wisayah
  • Yapi Merkezi
  • Zain
  • Zakher Marine International Inc.
  • Zulficar and Partners

Watch the highlights video

BENEFITS OF ATTENDING

  • Access 1,200+ of the most senior regional and international issuers, investors, bankers, rating agencies and lawyers at one time
  • Setup an unlimited number of virtual meetings with participants from the Middle East's credit markets community via our 1-2-1 networking platform
  • Gain exclusive behind-the-scenes insights from the 70+ regional and international credit market leaders speaking on our expert-led panels

HOW TO PARTICIPATE:

REGISTER YOUR VIRTUAL DELEGATE PLACE
PARTICIPATE AS A SPEAKER OR SPONSOR
GENERAL ENQUIRIES