Artificial Intelligence
Builders Company
Developers/Dar wa Emaar
DW
Dar wa EmaarKhobar, Saudi Arabia · founded 2007 · 1 active markets
PRIVATE

Dar wa Emaar develops affordable, integrated residential communities in Saudi Arabia, including villas, townhouses, apartments, infrastructure, and amenities. Its customers are primarily Saudi families and other homebuyers seeking ownership, while partnerships support financing, master planning, construction quality, and services.

Years in business
19
founded 2007
LinkedIn headcount
340
employees, as shown on LinkedIn · 2026-06-29 · size band 201–500
Portfolio value
SAR 5 billion+
since 2007
Total projects
more than 40 residential projects
across the company’s whole history
Units delivered
675
as the company states it
Projects last researched October 14, 2026
Every figure on this card was read out of a document.

Overview

Investor tear sheet

a summary of the tabs that follow · no rating of our own

Company dossier

Legal name
Dar wa Emaar Real Estate Investment & Development Company1
Headquarters
King Fahad Ibn Abd Al Aziz Road1, Khobar1, Saudi Arabia
Founded
20071
Entity type
PRIVATE1
Business model
offplan for sale1, masterplan1, mixed use1
Markets
1 market listed
What they build
Residential, for sale (2 of 2)
Full dossier in About →

Delivery record

0 date-assessed of 2 projects
Unverified by developer

AI-researched delivery record, not yet confirmed by the developer. Dates may be approximate; original sources are linked.

Completed projects from 2016-10-15 through 2026-10-15, with sufficient delivery-date evidence. Date assessment and developer profile verification do not mean an independent audit of every source. Original source links and available snippets are provided. May not represent the developer’s full portfolio. 0 undated and 0 boundary-uncertain completions are excluded. Delivery exceptions are listed separately under Projects.
Completed projects assessed
2
within the rolling ten-year window
Median delay
—
the middle of no scored projects
Average delay
—
the same projects, pulled by the worst
Average time to deliver
—
no delivered projects with a dated start — needs 3
Worst slip
—
0
early or less than 6 months late
6 to 12 months late
0
yellow rows below
Over 12 months late
0
red rows below

Against other developers

Not enough info yet.
Projects and timelines in Track Record →

Resident experience

2 of 2 buildings rated · scale 1–10

AI research over published reviews and resident comments. Scores are a model’s reading of opinion, not figures stated on a page, and nothing here feeds any number above it. The links under each block are the pages that research says it used. Based on available resident reviews of covered buildings. These are reported experiences, not independent building inspections, and may not represent all residents or properties.

Overall verdict
5.8/ 10
Weighted judgment across build and operations · from 2 of 2 rated buildings
Little structure evidence (1 of 2 buildings) — this rests mainly on whole-building and living reviews.
Structure & systems
3.5/ 10
Fabric, services, waterproofing, envelope · from 1 of 2 rated buildings
Management & living
6.3/ 10
Upkeep, response times, amenities, community · from 2 of 2 rated buildings

Against other developers

not enough rated buildings yet
Not enough rated buildings in Saudi Arabia yet to compare against.
Ratings by building →

Awards & recognition

All awards →

Risks & source coverage

  • DELIVERY DELAY Reported in reviews dated 2025-11-29 and 2025-11-30 Customer reviews published on the listing report alleged that Dar Wa Emaar delayed delivery of an off-plan villa by six months, citing the customer's account of receiving a postponement notice one month before handover; other reviewers also alleged late delivery and construction defects. These are customer allegations, not an adjudicated finding, and the retrieved page does not show a company response or resolution.
Record status
active
Company sources
132 source entries across 132 fields
Projects tracked
2 · 2 completed in assessment
All flags and sources →

Track Record

Delivery record

0 date-assessed of 2 projects
Unverified by developer

AI-researched delivery record, not yet confirmed by the developer. Dates may be approximate; original sources are linked.

Completed projects from 2016-10-15 through 2026-10-15, with sufficient delivery-date evidence. Date assessment and developer profile verification do not mean an independent audit of every source. Original source links and available snippets are provided. May not represent the developer’s full portfolio. 0 undated and 0 boundary-uncertain completions are excluded. Delivery exceptions are listed separately under Projects.
Completed projects assessed
2
within the rolling ten-year window
Median delay
—
the middle of no scored projects
Average delay
—
the same projects, pulled by the worst
Average time to deliver
—
no delivered projects with a dated start — needs 3
Worst slip
—
0
early or less than 6 months late
6 to 12 months late
0
yellow rows below
Over 12 months late
0
red rows below

Against other developers

Not enough info yet.

Construction start to handover

2 of 2 projects dated · 2 places
Based on covered projects with documented construction or launch dates and available handover dates. Timelines vary by project and may not represent the developer’s full portfolio.
Construction start, or the launchTarget completion (window)Completion or handover, as reportedCurrently statedLaunch year only, no date publishedEarly or ≤6 mo lateOver 6–12 mo lateOver 12 mo lateStalled
Riyadh, Saudi Arabia
Al Khobar, Saudi Arabia
201920202021202220232024202520262027todayRIYADH, SAUDI ARABIAcompleted, no target publishedAL KHOBAR, SAUDI ARABIA+12 moestimated
Click a row in the chart to open a project, or a table row below to see its sources. The chart runs wider than the page where the record spans many years — scroll it sideways to follow a project to its handover. Every date we have is drawn. A hollow marker is only a launch year, not a date anyone published. No dates published means we looked and found none; dates not yet checked means we have not looked yet. Handing over is not finished — rows say which. A delay is shown when one source gives the promised date and another gives the real one, however rough: "2019" still counts, and the row shows how wide that is. Projects missing one of the two dates, or with sources that disagree, are left out of the figures.

Building & Livability Ratings

Resident experience

2 of 2 buildings rated · scale 1–10

AI research over published reviews and resident comments. Scores are a model’s reading of opinion, not figures stated on a page, and nothing here feeds any number above it. The links under each block are the pages that research says it used. Based on available resident reviews of covered buildings. These are reported experiences, not independent building inspections, and may not represent all residents or properties.

Overall verdict
5.8/ 10
Weighted judgment across build and operations · from 2 of 2 rated buildings
Little structure evidence (1 of 2 buildings) — this rests mainly on whole-building and living reviews.
Structure & systems
3.5/ 10
Fabric, services, waterproofing, envelope · from 1 of 2 rated buildings
Management & living
6.3/ 10
Upkeep, response times, amenities, community · from 2 of 2 rated buildings

Against other developers

not enough rated buildings yet
Not enough rated buildings in Saudi Arabia yet to compare against.

By building

2 rated · 0 not rated · scale 1–10
ProjectOverallStructure & systemsManagement & living
Saraya Al FursanRiyadh827 units
7.7/ 10
—/ 10
7.5/ 10

The only located building-specific aggregate is 4.6/5 from 9 reviews, so it is the largest available review base but does not meet the 10-review anchor threshold. Its curve conversion is approximately 8.9/10, but the stated small-sample rule caps the practical score within one point of 6.5, producing 7.5/10; no structure score is assigned because no physical-condition review evidence was published.

+ Airport-adjacent location+ Attractive design

no notes returned

no links returned

The visible feedback is favorable but very limited: one reviewer wrote “موقع ممتاز وجنب المطار” (“excellent location and next to the airport”), while another wrote “تصميم جميل” (“beautiful design”). These comments support a positive first impression of location and appearance, but they do not provide evidence about management response times, security, maintenance, or long-term resident operations.

Saraya Al GhoroubAl Aziziyah, Al Khobar116 units
3.8/ 10
3.5/ 10
5.0/ 10

No platform-published aggregate rating was found, so the score is based on the nine individual reviews read on Review Saudi: five negative, two mixed and two positive. The evidence is dominated by construction, finishing, cracking, moisture and drainage complaints, while the positive comments mainly concern location, orderliness and on-time delivery; the available evidence is also old, with the latest accessible review dated March 5, 2023, so current conditions as of October 14, 2026 remain uncertain.

+ On-time delivery reported+ Some reviewers described the villas as orderly
− Poor finishes− Wall cracking− Rainwater leakage− Rust-coloured water and plumbing odour− Uneven floors and shower drainage
+ On-time handover+ Good location+ Some orderly villas+ Ready for delivery+ Family-oriented villa layouts
− Cramped plots and yards− Uncomfortable stairs− Noise transfer− Inadequate complaint response− Price concerns

The physical-condition reviews report recurring quality concerns: one reviewer wrote that construction quality was “very bad” and floors were uneven, while another reported cracks throughout the internal and external walls that reappeared after superficial repainting. Other reports describe rain entering through window frames, dampness and mould, rust-coloured water, sewage odour, poor shower drainage and tiles breaking or becoming detached.

Day-to-day comments are mixed but lean negative: reviewers praised the location and one said the villa was handed over on the contractual date, while another called the villas orderly and ready for delivery. Operational experience is weakened by reports that insulation was inadequate, drainage covers allowed insects through, stairs were uncomfortable, and a complaint response reportedly amounted to saying the villa needed to “settle.”

Only buildings that have reached handover are rated. 0 of 2 projects carry no rating: a building still under construction is never asked about, one that has just been handed over may not have been reached yet, and the rest were asked about and no published resident commentary was found. Structure is fixed at handover and stays the developer's; management and living belongs to whoever runs the building now. The overall verdict weights both rather than averaging them. None of this is checked: a rating is what people published about a building, aggregated — it is not evidence, it cannot move a delay figure, and it is not part of the delivery record above.

About

Company dossier

Legal name
Dar wa Emaar Real Estate Investment & Development Company
Headquarters
King Fahad Ibn Abd Al Aziz Road, Khobar, Saudi Arabia
31952
Founded
2007
Saudi Arabia
Entity type
PRIVATE
Revenue
not published
Business model
offplan for sale, masterplan, mixed use

Offices

head office and 1 other
Riyadh

Sources: office cities

COMPANY2023-05-13

ABOUT DWE - DAR WA EMAAR

Dar wa Emaar
- DWE central regional office, Riyadh
value seen: Riyadh
https://darwaemaar.com/en/about-us/

Partners

4 partners
National Housing Company (NHC)
government partner

NHC and Dar wa Emaar launched Saraya Al Sharq in Dammam; the partnership covers development of the residential project.

Hassana Investment Company
funder

The MoU covers a 1.2 million square meter Al Qadissiyah, North Riyadh project, including master planning, infrastructure, public amenities and possible anchor assets.

Al Qadsiah Club
partner

Dar wa Emaar became the club’s Official Real Estate Development Partner in a sponsorship covering the men’s and women’s teams and academy.

Michael Graves
contractor

The design agreement covers the design of Dar wa Emaar’s new corporate headquarters in Khobar.

Sources: name

COMPANYdate not shown in source

Dar Wa Emaar, in partnership with NHC

Dar wa Emaar
in partnership with the NHC
value seen: National Housing Company (NHC)
held out of the figures · the quote does not carry this value
https://darwaemaar.com/en/dar-wa-emaar-in-partnership-with-nhc-launches-saraya-al-sharq-project-in-dammam-with-an-investment-volume-of-sr750-million/

Sources: summary

COMPANYdate not shown in source

Dar Wa Emaar, in partnership with NHC

Dar wa Emaar
in partnership with the NHC
value seen: NHC and Dar wa Emaar launched Saraya Al Sharq in Dammam; the partnership covers development of the residential project.
held out of the figures · the quote does not carry this value
value paraphrased from this source
https://darwaemaar.com/en/dar-wa-emaar-in-partnership-with-nhc-launches-saraya-al-sharq-project-in-dammam-with-an-investment-volume-of-sr750-million/

Sources: name

PRESSdate not shown in source

Hassana and Dar wa Emaar Sign MoU

Hassana Investment Company
signed a Memorandum of Understanding (MoU) with Dar wa Emaar
value seen: Hassana Investment Company
held out of the figures · the quote does not carry this value
https://www.hassana.com.sa/en/newsroom/hassana-and-dar-wa-emaar-sign-mou-to-develop-12-million-sqm-real-estate-project-in-riyadh/

Sources: summary

PRESSdate not shown in source

Hassana and Dar wa Emaar Sign MoU

Hassana Investment Company
signed a Memorandum of Understanding (MoU) with Dar wa Emaar
value seen: The MoU covers a 1.2 million square meter Al Qadissiyah, North Riyadh project, including master planning, infrastructure, public amenities and possible anchor assets.
held out of the figures · the quote does not carry this value
value paraphrased from this source
https://www.hassana.com.sa/en/newsroom/hassana-and-dar-wa-emaar-sign-mou-to-develop-12-million-sqm-real-estate-project-in-riyadh/

Sources: name

COMPANYdate not shown in source

Dar wa Emaar signs sponsorship partnership with Al Qadsiah Club

Dar wa Emaar
signing of a sponsorship partnership with Al Qadsiah Club
value seen: Al Qadsiah Club
https://darwaemaar.com/en/dar-wa-emaar-signs-sponsorship-partnership-with-al-qadsiah-club/

Sources: summary

COMPANYdate not shown in source

Dar wa Emaar signs sponsorship partnership with Al Qadsiah Club

Dar wa Emaar
signing of a sponsorship partnership with Al Qadsiah Club
value seen: Dar wa Emaar became the club’s Official Real Estate Development Partner in a sponsorship covering the men’s and women’s teams and academy.
held out of the figures · the quote does not carry this value
value paraphrased from this source
https://darwaemaar.com/en/dar-wa-emaar-signs-sponsorship-partnership-with-al-qadsiah-club/

Sources: name

COMPANYdate not shown in source

Dar wa Emaar awards design contract

Dar wa Emaar
signing of a design agreement with Michael Graves
value seen: Michael Graves
https://darwaemaar.com/en/dar-wa-emaar-awards-design-contract-for-its-new-headquarters-in-khobar-to-michael-graves/

Sources: summary

COMPANYdate not shown in source

Dar wa Emaar awards design contract

Dar wa Emaar
signing of a design agreement with Michael Graves
value seen: The design agreement covers the design of Dar wa Emaar’s new corporate headquarters in Khobar.
held out of the figures · the quote does not carry this value
value paraphrased from this source
https://darwaemaar.com/en/dar-wa-emaar-awards-design-contract-for-its-new-headquarters-in-khobar-to-michael-graves/

Registrations & licences

none found
Jurisdiction-agnostic: a DLD number, a Companies House number and a state RERA registration all land in the same table.

Contact

Markets

1 countries
Saudi Arabiaactive 2 projects tracked

What they build

1 type
Residential, for sale2 of 2
A project counts once under each type it carries, so the shares add to more than the project count.

Management

Principals & executives

6 names found
KA
Khaled Al Omran
Khaled Al Omran is identified by Dar Wa Emaar’s corporate profile as Chairman. The same profile presents his message in the context of the company’s sustainable-community strategy and its Saudi residential-development platform; independently available background information for him was limited in the retrieved material.
Current title
Chairman
Experience
no career length stated
Companies before
none sourced
Education
not published
Other boards
none sourced
Known for
ChairmanSaudi real-estate developer

Sources: full name

COMPANYdate not shown in source

Dar Wa Emaar Profile

Dar Wa Emaar
Khaled Al Omran 28 Chairman
value seen: Khaled Al Omran
https://darwaemaar.com/wp-content/uploads/2023/09/88_DWE_Corporate-Brochure_V10.pdf

Sources: summary

COMPANYdate not shown in source

Dar Wa Emaar Profile

Dar Wa Emaar
At Dar Wa Emaar, we take pride in constructing sustainable communities, paving the way for innovative real estate solutions.
value seen: Chairman; sustainable-community strategy; Saudi residential development
held out of the figures · the quote does not carry this value
value paraphrased from this source
https://darwaemaar.com/wp-content/uploads/2023/09/88_DWE_Corporate-Brochure_V10.pdf

Sources: tags

COMPANYdate not shown in source

Dar Wa Emaar Profile

Dar Wa Emaar
Khaled Al Omran 28 Chairman
value seen: Chairman
https://darwaemaar.com/wp-content/uploads/2023/09/88_DWE_Corporate-Brochure_V10.pdf

Sources: tags

COMPANYdate not shown in source

Dar Wa Emaar Profile

Dar Wa Emaar
Dar Wa Emaar Real Estate Investment & Development was established in 2007 in the Eastern Province of the Kingdom of Saudi Arabia.
value seen: Saudi real-estate developer
held out of the figures · the quote does not carry this value
https://darwaemaar.com/wp-content/uploads/2023/09/88_DWE_Corporate-Brochure_V10.pdf

Sources: title

COMPANYdate not shown in source

Dar Wa Emaar Profile

Dar Wa Emaar
Khaled Al Omran 28 Chairman
value seen: Chairman
https://darwaemaar.com/wp-content/uploads/2023/09/88_DWE_Corporate-Brochure_V10.pdf
AA
Abdulaziz Al Omran
Abdulaziz Al Omran is reported as Vice Chairman of Dar Wa Emaar’s board and as co-founder and CEO of Impact46. His documented background combines alternative-investment entrepreneurship with senior financial-sector experience, including Samba Financial Group, and he holds management and finance/economics degrees.
Current title
Vice Chairman of the Board of Directors
Experience
no career length stated
Companies before
Impact46Samba Financial Group
Education
London Business SchoolExecutive Master’s in Management
King Fahd University of Petroleum and MineralsBachelor’s degree in Finance and Economics
Other boards
Vice Chairman, Jahez International CompanyVice Chairman, Rasan CompanyBoard Member, Hala Payments SolutionsMember, Capital Market Authority Advisory Committee
Known for
Vice ChairmanImpact46 co-founder and CEOSamba Financial GroupExecutive Master’sFinance and Economics
https://sa.linkedin.com/in/abdulaziz-al-omran-82029a2

Sources: degree

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
He holds an Executive Master’s in Management from London Business School (2010)
value seen: Executive Master’s in Management
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: institution

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
He holds an Executive Master’s in Management from London Business School (2010)
value seen: London Business School
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: degree

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
a Bachelor’s degree in Finance and Economics from King Fahd University of Petroleum and Minerals (2001).
value seen: Bachelor’s degree in Finance and Economics
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: institution

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
a Bachelor’s degree in Finance and Economics from King Fahd University of Petroleum and Minerals (2001).
value seen: King Fahd University of Petroleum and Minerals
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: full name

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
# Abdulaziz Alomran
value seen: Abdulaziz Al Omran
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: linkedin page

SOCIAL2026-09-08

Abdulaziz Al Omran

LinkedIn
Abdulaziz Al Omran
value seen: https://sa.linkedin.com/in/abdulaziz-al-omran-82029a2
https://sa.linkedin.com/in/abdulaziz-al-omran-82029a2

Sources: other boards

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
Alomran currently serves as Vice Chairman of the Board of Directors at Jahez International Company
value seen: Vice Chairman, Jahez International Company
held out of the figures · the quote does not carry this value
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: other boards

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
Rasan Company, and Dar wa Emaar Company.
value seen: Vice Chairman, Rasan Company
held out of the figures · the quote does not carry this value
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: other boards

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
He is also a Board Member of Hala Payments Solutions
value seen: Board Member, Hala Payments Solutions
held out of the figures · the quote does not carry this value
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: other boards

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
and a member of the Advisory Committee of the Capital Market Authority.
value seen: Member, Capital Market Authority Advisory Committee
held out of the figures · the quote does not carry this value
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: previous companies

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
Co-founder and CEO of Impact46, Saudi Arabia.
value seen: Impact46
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: previous companies

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
Prior to establishing Impact46, he worked in the financial sector, serving as General Manager at Samba Financial Group
value seen: Samba Financial Group
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: summary

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
Co-founder and CEO of Impact46, Saudi Arabia. Alomran currently serves as Vice Chairman of the Board of Directors at Jahez International Company, Rasan Company, and Dar wa Emaar Company.
value seen: co-founder and CEO of Impact46; financial-sector experience; Dar Wa Emaar vice chair
held out of the figures · the quote does not carry this value
value paraphrased from this source
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: tags

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
Alomran currently serves as Vice Chairman of the Board of Directors at Jahez International Company, Rasan Company, and Dar wa Emaar Company.
value seen: Vice Chairman
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: tags

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
Co-founder and CEO of Impact46, Saudi Arabia.
value seen: Impact46 co-founder and CEO
held out of the figures · the quote does not carry this value
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: tags

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
Prior to establishing Impact46, he worked in the financial sector, serving as General Manager at Samba Financial Group, where he gained experience in asset management and capital markets.
value seen: Samba Financial Group
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: tags

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
He holds an Executive Master’s in Management from London Business School (2010) and a Bachelor’s degree in Finance and Economics from King Fahd University of Petroleum and Minerals (2001).
value seen: Executive Master’s
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: tags

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
He holds an Executive Master’s in Management from London Business School (2010) and a Bachelor’s degree in Finance and Economics from King Fahd University of Petroleum and Minerals (2001).
value seen: Finance and Economics
https://manhom.com/en/profiles/abdulaziz-al-omran/

Sources: title

DIRECTORYdate not shown in source

Who is Abdulaziz Alomran? | Profile | Manhom

Manhom
Alomran currently serves as Vice Chairman of the Board of Directors at Jahez International Company, Rasan Company, and Dar wa Emaar Company.
value seen: Vice Chairman of the Board of Directors
https://manhom.com/en/profiles/abdulaziz-al-omran/
OA
Osama Al Khunaizi
Osama Al Khunaizi is Dar Wa Emaar’s CEO, with the company’s profile attributing to the business more than 6,000 developed housing units since 2007. His prior career spans real-estate finance and banking, including Gulf International Bank, Amlak International and Samba Financial Group, and he has served on an insurance-company board.
Current title
Chief Executive Officer
since Mar 2016 - Present
Experience
no career length stated
Companies before
Gulf International BankAmlak International for Real Estate Finance CompanySamba Financial Group
Education
King Fahd University of Petroleum & MineralsBachelor of Business Administration, Finance
Other boards
Board Member, NRC and RMC, Walaa Cooperative Insurance Co.Board Member, Rabia Real Estate Fund
Known for
CEOReal-estate developmentReal-estate financeWholesale bankingKFUPM
https://linkedin.com/in/osamaalkhunaizi
With over ten years as CEO of Dar Wa Emaar Real Estate Development in Al-Khobar, Osama has led the company's strategic direction, project execution, and growth in Saudi Arabia's real estate sector. The Leaders Network 2026-06-13https://www.linkedin.com/posts/theleadersnetworks_ceo-boardmember-realestatedevelopment-activity-7471618807967432704-ovc5

Sources: degree

SOCIAL2026-09-19

Osama Alkhunaizi

LinkedIn
Bachelor of Business Administration - BBA, Finance, General at King Fahd University of Petroleum & Minerals - KFUPM
value seen: Bachelor of Business Administration - BBA, Finance, General
https://linkedin.com/in/osamaalkhunaizi

Sources: institution

SOCIAL2026-09-19

Osama Alkhunaizi

LinkedIn
Bachelor of Business Administration - BBA, Finance, General at King Fahd University of Petroleum & Minerals - KFUPM
value seen: King Fahd University of Petroleum & Minerals
https://linkedin.com/in/osamaalkhunaizi

Sources: full name

COMPANYdate not shown in source

Dar Wa Emaar Profile

Dar Wa Emaar
Osama Al Khunaizi CEO
value seen: Osama Al Khunaizi
https://darwaemaar.com/wp-content/uploads/2023/09/88_DWE_Corporate-Brochure_V10.pdf

Sources: linkedin page

SOCIAL2026-09-19

Osama Alkhunaizi

LinkedIn
Chief Executive Officer - Dar wa Emaar (Current)
value seen: https://linkedin.com/in/osamaalkhunaizi
https://linkedin.com/in/osamaalkhunaizi

Sources: other boards

PRESS2026-06-13

The Leaders Network recognition of Osama Alkhunaizi

The Leaders Network · carried by linkedin.com
He served as Board Member, NRC and RMC at Walaa Cooperative Insurance Co.
value seen: Board Member, NRC and RMC, Walaa Cooperative Insurance Co.
held out of the figures · the quote does not carry this value
https://www.linkedin.com/posts/theleadersnetworks_ceo-boardmember-realestatedevelopment-activity-7471618807967432704-ovc5

Sources: other boards

PRESS2026-06-13

The Leaders Network recognition of Osama Alkhunaizi

The Leaders Network · carried by linkedin.com
as Board Member at Rabia Real Estate Fund
value seen: Board Member, Rabia Real Estate Fund
held out of the figures · the quote does not carry this value
https://www.linkedin.com/posts/theleadersnetworks_ceo-boardmember-realestatedevelopment-activity-7471618807967432704-ovc5

Sources: previous companies

PRESS2026-06-13

The Leaders Network recognition of Osama Alkhunaizi

The Leaders Network · carried by linkedin.com
Previously, he was SVP Regional Head - Wholesale Banking - Business SCO at Gulf International Bank
value seen: Gulf International Bank
https://www.linkedin.com/posts/theleadersnetworks_ceo-boardmember-realestatedevelopment-activity-7471618807967432704-ovc5

Sources: previous companies

PRESS2026-06-13

The Leaders Network recognition of Osama Alkhunaizi

The Leaders Network · carried by linkedin.com
Business Group Director at Amlak International for Real Estate Finance Company
value seen: Amlak International for Real Estate Finance Company
https://www.linkedin.com/posts/theleadersnetworks_ceo-boardmember-realestatedevelopment-activity-7471618807967432704-ovc5

Sources: previous companies

PRESS2026-06-13

The Leaders Network recognition of Osama Alkhunaizi

The Leaders Network · carried by linkedin.com
Team Leader - CIBG Central at Samba Financial Group.
value seen: Samba Financial Group
https://www.linkedin.com/posts/theleadersnetworks_ceo-boardmember-realestatedevelopment-activity-7471618807967432704-ovc5

Sources: date

PRESS2026-06-13

The Leaders Network recognition of Osama Alkhunaizi

The Leaders Network · carried by linkedin.com
2026-06-13T00:00:00+00:00
value seen: 2026-06-13
https://www.linkedin.com/posts/theleadersnetworks_ceo-boardmember-realestatedevelopment-activity-7471618807967432704-ovc5

Sources: publisher

PRESS2026-06-13

The Leaders Network recognition of Osama Alkhunaizi

The Leaders Network · carried by linkedin.com
We are proud to recognize Osama Alkhunaizi at Dar Wa Emaar Real Estate Development
value seen: The Leaders Network
held out of the figures · the quote does not carry this value
https://www.linkedin.com/posts/theleadersnetworks_ceo-boardmember-realestatedevelopment-activity-7471618807967432704-ovc5

Sources: quote

PRESS2026-06-13

The Leaders Network recognition of Osama Alkhunaizi

The Leaders Network · carried by linkedin.com
With over ten years as CEO of Dar Wa Emaar Real Estate Development in Al-Khobar, Osama has led the company's strategic direction, project execution, and growth in Saudi Arabia's real estate sector.
value seen: With over ten years as CEO of Dar Wa Emaar Real Estate Development in Al-Khobar, Osama has led the company's strategic direction, project execution, and growth in Saudi Arabia's real estate sector.
https://www.linkedin.com/posts/theleadersnetworks_ceo-boardmember-realestatedevelopment-activity-7471618807967432704-ovc5

Sources: since

SOCIAL2026-09-19

Osama Alkhunaizi

LinkedIn
Chief Executive Officer - Dar wa Emaar (Current) Mar 2016 - Present
value seen: Mar 2016 - Present
https://linkedin.com/in/osamaalkhunaizi

Sources: summary

COMPANYdate not shown in source

Dar Wa Emaar Profile

Dar Wa Emaar
With a vision to enhance quality of life, Dar Wa Emaar is committed to delivering high-value works that contribute to sustainable development goals. Building on our experience since 2007, we have developed over 6,000 housing units with integrated facilities and services.
value seen: CEO; real-estate finance and banking background
held out of the figures · the quote does not carry this value
value paraphrased from this source
https://darwaemaar.com/wp-content/uploads/2023/09/88_DWE_Corporate-Brochure_V10.pdf

Sources: tags

COMPANYdate not shown in source

Dar Wa Emaar Profile

Dar Wa Emaar
Osama Al Khunaizi CEO
value seen: CEO
https://darwaemaar.com/wp-content/uploads/2023/09/88_DWE_Corporate-Brochure_V10.pdf

Sources: tags

SOCIAL2026-09-19

Dar Wa Emaar Profile

LinkedIn
CEO with broad experience in all aspects of real estate development, investment and mortgage.
value seen: Real-estate development
https://linkedin.com/in/osamaalkhunaizi

Sources: tags

PRESS2026-06-13

The Leaders Network recognition of Osama Alkhunaizi

The Leaders Network · carried by linkedin.com
Previously, he was SVP Regional Head - Wholesale Banking - Business SCO at Gulf International Bank, Business Group Director at Amlak International for Real Estate Finance Company
value seen: Real-estate finance
https://www.linkedin.com/posts/theleadersnetworks_ceo-boardmember-realestatedevelopment-activity-7471618807967432704-ovc5

Sources: tags

PRESS2026-06-13

The Leaders Network recognition of Osama Alkhunaizi

The Leaders Network · carried by linkedin.com
Previously, he was SVP Regional Head - Wholesale Banking - Business SCO at Gulf International Bank
value seen: Wholesale banking
https://www.linkedin.com/posts/theleadersnetworks_ceo-boardmember-realestatedevelopment-activity-7471618807967432704-ovc5

Sources: tags

SOCIAL2026-09-19

Osama Alkhunaizi

LinkedIn
Bachelor of Business Administration - BBA, Finance, General at King Fahd University of Petroleum & Minerals - KFUPM
value seen: KFUPM
https://linkedin.com/in/osamaalkhunaizi

Sources: tags

PRESS2026-06-13

The Leaders Network recognition of Osama Alkhunaizi

The Leaders Network · carried by linkedin.com
He served as Board Member, NRC and RMC at Walaa Cooperative Insurance Co.
value seen: Board governance
held out of the figures · the quote does not carry this value
https://www.linkedin.com/posts/theleadersnetworks_ceo-boardmember-realestatedevelopment-activity-7471618807967432704-ovc5

Sources: title

COMPANYdate not shown in source

Dar Wa Emaar Profile

Dar Wa Emaar
Osama Al Khunaizi CEO
value seen: CEO
https://darwaemaar.com/wp-content/uploads/2023/09/88_DWE_Corporate-Brochure_V10.pdf
HA
Hatem Al-Ballaa
Hatem Al-Ballaa is identified as Dar Wa Emaar’s NRC Chairman. His professional profile describes more than 20 years in HR management, organisational development and transformation, alongside current board and executive-committee roles outside the developer.
Current title
NRC Chairman
since Mar 2025 - Present
Experience
20+ years hr
Companies before
none sourced
Education
not published
Other boards
Board Member, Saudi Council of EngineersExecutive Committee Member, Future Work
Known for
NRC ChairmanOrganisational developmentTransformationBoard Member
https://linkedin.com/in/hatem0hf

Sources: full name

SOCIAL2026-10-09

Hatem Al-Ballaa

LinkedIn
### NRC Chairman - Dar wa Emaar (Current)
value seen: Hatem Al-Ballaa
held out of the figures · the quote does not carry this value
https://linkedin.com/in/hatem0hf

Sources: linkedin page

SOCIAL2026-10-09

Hatem Al-Ballaa

LinkedIn
### NRC Chairman - Dar wa Emaar (Current)
value seen: https://linkedin.com/in/hatem0hf
https://linkedin.com/in/hatem0hf

Sources: other boards

SOCIAL2026-10-09

Hatem Al-Ballaa

LinkedIn
### Board Member - Saudi Council of Engineers (Current)
value seen: Board Member, Saudi Council of Engineers
https://linkedin.com/in/hatem0hf

Sources: other boards

SOCIAL2026-10-09

Hatem Al-Ballaa

LinkedIn
### Executive Committee Member - Future Work (Current)
value seen: Executive Committee Member, Future Work
https://linkedin.com/in/hatem0hf

Sources: since

SOCIAL2026-10-09

Hatem Al-Ballaa

LinkedIn
### NRC Chairman - Dar wa Emaar (Current) Mar 2025 - Present
value seen: Mar 2025 - Present
https://linkedin.com/in/hatem0hf

Sources: summary

SOCIAL2026-10-09

Hatem Al-Ballaa

LinkedIn
A Seasoned Executive with 20+ years of experience in the field of HR Management, Organizational Development and Transformation Projects.
value seen: NRC Chairman; 20+ years HR, organisational development and transformation
held out of the figures · the quote does not carry this value
value paraphrased from this source
https://linkedin.com/in/hatem0hf

Sources: tags

SOCIAL2026-10-09

Hatem Al-Ballaa

LinkedIn
### NRC Chairman - Dar wa Emaar (Current)
value seen: NRC Chairman
https://linkedin.com/in/hatem0hf

Sources: tags

SOCIAL2026-10-09

Hatem Al-Ballaa

LinkedIn
A Seasoned Executive with 20+ years of experience in the field of HR Management
value seen: 20+ years HR
held out of the figures · the quote does not carry this value
https://linkedin.com/in/hatem0hf

Sources: tags

SOCIAL2026-10-09

Hatem Al-Ballaa

LinkedIn
HR Management, Organizational Development and Transformation Projects.
value seen: Organisational development
held out of the figures · the quote does not carry this value
https://linkedin.com/in/hatem0hf

Sources: tags

SOCIAL2026-10-09

Hatem Al-Ballaa

LinkedIn
HR Management, Organizational Development and Transformation Projects.
value seen: Transformation
https://linkedin.com/in/hatem0hf

Sources: title

SOCIAL2026-10-09

Hatem Al-Ballaa

LinkedIn
### NRC Chairman - Dar wa Emaar (Current)
value seen: NRC Chairman
https://linkedin.com/in/hatem0hf
AI
Ahmad I. Shata
Ahmad I. Shata is Dar Wa Emaar’s Director of Real Estate Development. His profile describes expertise across entertainment, mixed-use and residential development, with prior senior development roles at The MarQ Communities and Hassan Allam Properties and an advisory role supporting construction and real-estate education.
Current title
Director of Real Estate Development
since Dec 2025 - Present
Experience
no career length stated
Companies before
The MarQ CommunitiesHassan Allam PropertiesScruffy Dog Creative Group
Education
not published
Other boards
Technical and academic advisor, DMG Academy
Known for
Real-estate developmentMixed-use developmentResidential developmentThe MarQ CommunitiesHassan Allam Properties
https://sa.linkedin.com/in/ashata

Sources: full name

SOCIAL2026-09-18

Ahmad I. Shata

LinkedIn
# Ahmad I. Shata
value seen: Ahmad I. Shata
https://sa.linkedin.com/in/ashata

Sources: linkedin page

SOCIAL2026-09-18

Ahmad I. Shata

LinkedIn
### Director of Real Estate Development - Dar wa Emaar (Current)
value seen: https://sa.linkedin.com/in/ashata
https://sa.linkedin.com/in/ashata

Sources: previous companies

PRESS2026-03-19

Meet our panelist for the upcoming session | Ahmad I. Shata

LinkedIn
Previous roles include Senior Real Estate Development Director at The MarQ Communities
value seen: The MarQ Communities
https://www.linkedin.com/posts/ashata_meet-our-panelist-for-the-upcoming-session-activity-7440489906260557824-80Mc

Sources: previous companies

PRESS2026-03-19

Meet our panelist for the upcoming session | Ahmad I. Shata

LinkedIn
Real Estate Development Director at Hassan Allam Properties
value seen: Hassan Allam Properties
https://www.linkedin.com/posts/ashata_meet-our-panelist-for-the-upcoming-session-activity-7440489906260557824-80Mc

Sources: previous companies

PRESS2026-03-19

Meet our panelist for the upcoming session | Ahmad I. Shata

LinkedIn
Senior Manager at Scruffy Dog Creative Group.
value seen: Scruffy Dog Creative Group
https://www.linkedin.com/posts/ashata_meet-our-panelist-for-the-upcoming-session-activity-7440489906260557824-80Mc

Sources: since

SOCIAL2026-09-18

Ahmad I. Shata

LinkedIn
### Director of Real Estate Development - Dar wa Emaar (Current) Dec 2025 - Present
value seen: Dec 2025 - Present
https://sa.linkedin.com/in/ashata

Sources: summary

SOCIAL2026-09-18

Ahmad I. Shata

LinkedIn
Real Estate Development Director - Expertise in Entertainment, Mixed Use and Residential Development.
value seen: Expertise in entertainment, mixed-use and residential development; prior roles at The MarQ Communities and Hassan Allam Properties
held out of the figures · the quote does not carry this value
value paraphrased from this source
https://sa.linkedin.com/in/ashata

Sources: tags

SOCIAL2026-09-18

Ahmad I. Shata

LinkedIn
Real Estate Development Director - Expertise in Entertainment, Mixed Use and Residential Development.
value seen: Real-estate development
https://sa.linkedin.com/in/ashata

Sources: tags

SOCIAL2026-09-18

Ahmad I. Shata

LinkedIn
Expertise in Entertainment, Mixed Use and Residential Development.
value seen: Mixed-use development
held out of the figures · the quote does not carry this value
https://sa.linkedin.com/in/ashata

Sources: tags

SOCIAL2026-09-18

Ahmad I. Shata

LinkedIn
Expertise in Entertainment, Mixed Use and Residential Development.
value seen: Residential development
https://sa.linkedin.com/in/ashata

Sources: tags

PRESS2026-03-19

Meet our panelist for the upcoming session | Ahmad I. Shata

LinkedIn
Previous roles include Senior Real Estate Development Director at The MarQ Communities
value seen: The MarQ Communities
https://www.linkedin.com/posts/ashata_meet-our-panelist-for-the-upcoming-session-activity-7440489906260557824-80Mc

Sources: tags

PRESS2026-03-19

Meet our panelist for the upcoming session | Ahmad I. Shata

LinkedIn
Real Estate Development Director at Hassan Allam Properties
value seen: Hassan Allam Properties
https://www.linkedin.com/posts/ashata_meet-our-panelist-for-the-upcoming-session-activity-7440489906260557824-80Mc

Sources: title

SOCIAL2026-09-18

Ahmad I. Shata

LinkedIn
### Director of Real Estate Development - Dar wa Emaar (Current)
value seen: Director of Real Estate Development
https://sa.linkedin.com/in/ashata
FA
Fawaz AlOmran
Fawaz AlOmran is Dar Wa Emaar’s Chief Commercial Officer. Independent professional coverage describes more than 22 years across FMCG, tourism and real estate, with responsibility for commercial excellence, business growth and long-term value creation at the developer.
Current title
Chief Commercial Officer
since Nov 2025 - Present
Experience
22+ years experience
Companies before
none sourced
Education
not published
Other boards
none sourced
Known for
Chief Commercial OfficerCommercial strategyFMCGTourismReal estate
https://sa.linkedin.com/in/fawaz-alomran

Sources: full name

SOCIAL2026-10-05

Fawaz AlOmran

LinkedIn
# Fawaz AlOmran
value seen: Fawaz AlOmran
https://sa.linkedin.com/in/fawaz-alomran

Sources: linkedin page

SOCIAL2026-10-05

Fawaz AlOmran

LinkedIn
### Chief Commercial Officer (CCO) - Dar wa Emaar (Current)
value seen: https://sa.linkedin.com/in/fawaz-alomran
https://sa.linkedin.com/in/fawaz-alomran

Sources: since

SOCIAL2026-10-05

Fawaz AlOmran

LinkedIn
### Chief Commercial Officer (CCO) - Dar wa Emaar (Current) Nov 2025 - Present
value seen: Nov 2025 - Present
https://sa.linkedin.com/in/fawaz-alomran

Sources: summary

PRESS2026-05-30

Presenting Fawaz AlOmran, a seasoned commercial leader

SAUDI LEADERS · carried by linkedin.com
Presenting Fawaz AlOmran, a seasoned commercial leader with more than 22 years of experience driving growth across FMCG, tourism, and real estate.
value seen: 22 years; FMCG, tourism and real estate; commercial growth and value creation
held out of the figures · the quote does not carry this value
value paraphrased from this source
https://www.linkedin.com/posts/saudileaders_presenting-fawaz-alomran-a-seasoned-commercial-activity-7466352717632921600-iCMg

Sources: tags

SOCIAL2026-10-05

Fawaz AlOmran

LinkedIn
### Chief Commercial Officer (CCO) - Dar wa Emaar (Current)
value seen: Chief Commercial Officer
https://sa.linkedin.com/in/fawaz-alomran

Sources: tags

PRESS2026-05-30

Presenting Fawaz AlOmran, a seasoned commercial leader

SAUDI LEADERS · carried by linkedin.com
Presenting Fawaz AlOmran, a seasoned commercial leader with more than 22 years of experience
value seen: 22+ years experience
held out of the figures · the quote does not carry this value
https://www.linkedin.com/posts/saudileaders_presenting-fawaz-alomran-a-seasoned-commercial-activity-7466352717632921600-iCMg

Sources: tags

PRESS2026-05-30

Presenting Fawaz AlOmran, a seasoned commercial leader

SAUDI LEADERS · carried by linkedin.com
As Chief Commercial Officer at Dar wa Emaar, Fawaz leads with a clear focus on commercial excellence, business growth, and long-term value creation.
value seen: Commercial strategy
held out of the figures · the quote does not carry this value
https://www.linkedin.com/posts/saudileaders_presenting-fawaz-alomran-a-seasoned-commercial-activity-7466352717632921600-iCMg

Sources: tags

PRESS2026-05-30

Presenting Fawaz AlOmran, a seasoned commercial leader

SAUDI LEADERS · carried by linkedin.com
more than 22 years of experience driving growth across FMCG, tourism, and real estate.
value seen: FMCG
https://www.linkedin.com/posts/saudileaders_presenting-fawaz-alomran-a-seasoned-commercial-activity-7466352717632921600-iCMg

Sources: tags

PRESS2026-05-30

Presenting Fawaz AlOmran, a seasoned commercial leader

SAUDI LEADERS · carried by linkedin.com
more than 22 years of experience driving growth across FMCG, tourism, and real estate.
value seen: Tourism
https://www.linkedin.com/posts/saudileaders_presenting-fawaz-alomran-a-seasoned-commercial-activity-7466352717632921600-iCMg

Sources: tags

PRESS2026-05-30

Presenting Fawaz AlOmran, a seasoned commercial leader

SAUDI LEADERS · carried by linkedin.com
more than 22 years of experience driving growth across FMCG, tourism, and real estate.
value seen: Real estate
https://www.linkedin.com/posts/saudileaders_presenting-fawaz-alomran-a-seasoned-commercial-activity-7466352717632921600-iCMg

Sources: title

SOCIAL2026-10-05

Fawaz AlOmran

LinkedIn
### Chief Commercial Officer (CCO) - Dar wa Emaar (Current)
value seen: Chief Commercial Officer
https://sa.linkedin.com/in/fawaz-alomran

Projects

Assessment coverage

Completed projects: 2016-10-15 through 2026-10-15. Initial research is capped at 10 completed projects and a separate delivery-risk search capped at 7 findings. Risk findings are not project assessment counts. Absence is not proof of a complete portfolio or no failures. Month-level dates overlapping a boundary are excluded from figures.

0 undated completions and 0 boundary-uncertain completions are retained but excluded from figures.

Stalled, cancelled & overdue projects

0 evidenced cases
The capped delivery-risk search ran; no project-level exception cases are recorded here. Risk findings are listed under Risks and are separate from assessed projects. This does not establish that the developer has no delivery failures.

Completed projects

2 projects
ProjectLocationTypeUnitsFloorsAreaCostPayment planLaunchedConstruction startOriginal targetHandoverDelayConfidenceStatus
Saraya Al FursanRiyadh, Saudi Arabia
residential for sale8271————202318/02/2023—Jul 2026—not scorablecompleted
Saraya Al GhoroubAl Khobar, Saudi Arabia
Al Aziziyah
residential for sale1161————201931/7/2019Jan 2020 – Dec 2020Jan 2021 – Dec 2021+12.0 mo
(+1.0 to +23.0)
estimatedcompleted
Click any row for the sources behind it. Cost basis matters: an estimated cost, a construction loan and a sale price are different numbers. Each row states which one it is, so they are never averaged together.

Awards

Awards & recognition

6 found
COMPANY AWARD Winner 2025
Best Developer for Affordable and Livable Urban Housing
Dar Wa Emaar is listed as the Saudi Arabia winner for Best Developer for Affordable and Livable Urban Housing.
SAFETY / QUALITY Certified 16 July 2025 (reported); 2025 certification
Great Place to Work® certification
The developer reports that it obtained the Great Place to Work® certification in Saudi Arabia for 2025; the company describes the certification as assessing workplace environment and employee satisfaction.
PROJECT AWARD Winner January 2024 (ceremony); 21 March 2024 (reported)
Best New Community Project · Saraya Al-Bahar
The developer reports that Saraya Al-Bahar received Best New Community Project at the 11th International Finance Awards ceremony in Dubai.
COMPANY AWARD Winner 2021; 16 August 2021 (reported)
Best Real Estate Developer in the Kingdom — category above 1,000 housing units · Saraya Al-Narjis
Dar Wa Emaar received the Sakani Forum Q2 2021 award for Best Real Estate Developer in the Kingdom in the category above 1,000 housing units for Saraya Al-Narjis.
COMPANY AWARD Winner 2021; 16 August 2021 (reported)
Best Real Estate Developer in the Kingdom — category below 500 housing units · Saraya Al-Ghoroub
Dar Wa Emaar received the Sakani Forum Q2 2021 award for Best Real Estate Developer in the Kingdom in the category below 500 housing units for Saraya Al-Ghoroub.
PROJECT AWARD Winner 17 April 2017 (awards presented); 19 April 2017 (reported)
Best Real Estate Project (Affordable Housing)
Dar Wa Emaar Real Estate Investment & Development Company won Best Real Estate Project (Affordable Housing) at the first Gulf Real Estate Awards.
Gulf Real Estate Awards, in cooperation with Awards International and Dubai Land Department · https://www.constructionweekonline.com/projects-tenders/article-44034-dld-holds-first-gulf-real-esta…

Risks

Risk flags

1 found
DELIVERY DELAY Reported in reviews dated 2025-11-29 and 2025-11-30
Customer reviews published on the listing report alleged that Dar Wa Emaar delayed delivery of an off-plan villa by six months, citing the customer's account of receiving a postponement notice one month before handover; other reviewers also alleged late delivery and construction defects. These are customer allegations, not an adjudicated finding, and the retrieved page does not show a company response or resolution.

Record status

active
Coverageactive
Tracked sinceOctober 8, 2026
Last checkedOctober 14, 2026 this month
Profile last researchedOctober 14, 2026
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For informational purposes only. This information is not investment, financial or credit advice and should not be relied on for investment, lending or credit decisions. Records may be incomplete or outdated. Verify information independently and seek qualified advice before making a decision.