Emaar loans dropped by 20 per cent to Dhs7.528 billion compared with Dhs9.41b in 2010 as a result of the company’s settlement of Dhs2.765 billion and its withdrawal of Dhs883.877m from its advances. Emaar loans are divided into two equal halves among lenders from inside the UAE at Dhs3.842 billion and others outside the UAE at Dhs3.686 billion. According to several reports, Emaar’s adoption of a reserved loaning policy during the global financial boom before the 2008 crisis helped the company avoid the pressures which other companies locally and globally had to face in order to pay the huge amounts due on them.