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First Gulf Bank (FGB) is one of the largest banks in the UAE, with a range of services ranging from corporate banking to consumer banking. The bank was awarded the “Best Bank in United Arab Emirates” in 2013 at the Banker Middle East Industry Awards 2013, and features in the Forbes list of Top 500 Companies in the Arab World at the sixth rank, and the third in the UAE (FGB, 2014). The average per capita income in UAE was approximately $41,000 per annum in 2013 (World Bank, 2014). Assuming the average FGB customer earns at ...