Kay Ng

Biography

Kay’s experience is primarily in the area of banking and finance transactions which include acting for local and foreign financial institutions and companies in a range of domestic and cross-border transactions.  She has particular expertise in Islamic finance, trade finance, bilateral and syndicated loans, debt capital market issuances, and advising on various financial regulations in the UAE, including ADGM and DIFC.

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Recent Experience

• Advising leading banks in the UAE, on complex conventional loan facilities, including a revolving credit facility extended to a hotel group in the UAE, our scope included all UAE law matters for the lending syndicate including complicated title deed diligence, the security documentation for the deal (including 26 different securities) and advising on and coordinating the perfection requirements under Dubai (including free zones) and DIFC law. The loan was the second element of the borrower’s debt raise to refinance its obligations and acquire an interest in a reputable hotel and nightlife business.
• Advising leading banks in the UAE, on Shariah-compliant financings, in particular financings based on Commodity Murabaha and Ijarah structures, including a revolving credit facility based on the one-day-gap Commodity Murabaha structure made available to one of ACWA Power group of companies.
• Acting for the issuers or arrangers on numerous DCM mandates.
• Advising lenders in relation to secondary loan trading matters.
• Acting for local and international financial institutions to develop and/or update both conventional and Islamic standardized legal contracts and standard terms and conditions for use in the UAE, including account terms and conditions, credit facilities in compliance with international best practices and applicable legal requirements.
• Assisting foreign financial services companies on their establishment in the ADGM.
• Advising on various financial regulations in the UAE.