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Encik Jalil-UTHM
Loan, lah. Loan.
Encik Jalil-UTHM
Cost lah?
Encik Jalil-UTHM
Really? Kan mudah kan orang banking.
[2:08]
Encik Jalil-UTHM
MEPS. City Bank pun takde. City Bank.
Encik Jalil-UTHM
So, Encik Roy punya job scope di Maybank?
Encik Jalil-UTHM
Because theyre in link more towards office punya portfolio.
Encik Jalil-UTHM
So, dia punya portfolio, type of property yang corporate real estate
unit manage ni apa dia punya type, ada office, ada land, ada
building?
Encik Jalil-UTHM
Semua, ea?
Encik Jalil-UTHM
Sebab, branches.
Encik Jalil-UTHM
So, dalam team Encik Roy ni, dalam department tu, berapa percent
orang property, berapa percent orang daripada background lain?
property. Bila kita recruit untuk, tak salah INSPEN ea, start recruit,
condition nya semua sekali, kena ada background real estate lah.
Encik Jalil-UTHM
Sekarang, nak pakai lagi ke? Kita nak hantar students. Nak apply
kerja.
Encik Jalil-UTHM
Dia ada boss Chinese, siapa nama? Saya jumpa Nasri.
Encik Jalil-UTHM
Banyak sangat team.
Kita ada Encik Roy daripada Maybank. Bank dengan bank. Bankers
dengan bankers lah. Ini dia punya language sama lah.
Encik Jalil-UTHM
So, KPI dalam Maybank ni, apa dia expectation management? Dia
nak team Encik Roy ni buat apa sebenarnya?
Encik Jalil-UTHM
Itu aje lah?
Encik Jalil-UTHM
Macam ada negotiation dengan land owner ni group ni yang akan
pergi negotiate lah.
Encik Jalil-UTHM
So, biasanya Maybank they lease how many years? Fifteen years ke
untuk shoplot?
Encik Jalil-UTHM
You think, over ke below market value punya ni?
Encik Jalil-UTHM
Itu kalau big properties kot.
Encik Jalil-UTHM
Study. Feasibility study.
Encik Jalil-UTHM
Orang lain tak boleh carik makan lah.
Encik Jalil-UTHM
Takut nanti bocor rahsia ni.
Encik Jalil-UTHM
Only the issue dengan the brokers ni, dengan kita dia mark up,
dengan Maybank dia ni, dia ni.
Encik Jalil-UTHM
Itu dia pulak buat quote situ. Cuma ni saya nak come back to, ini as
a whole lah. Ini kita nak cuba tengok scenario di Malaysia ni,
corporate real estate, trend dia, anybody can share lah. The trend,
acceptance level, moving forward ni, corporate real estate ni macam
mana agaknya? Sebab saya nak kena feed kepada INSPEN ni
bercakap, sekarang ni acceptance. Dulu masa saya require untuk
proposal ni, cakap acceptance increasing. So, dia nak tengok betul
tak increasing and then saya sit down in these whole of focus group
meeting with experts in this area and then we fit the information that
okay, there are increasing numbers in the real estate department,
real estate unit. Theres a demand. So the trend tu moving forward,
siapa yang can foresee what is happening? So, kita boleh pen down
a bit of info lah. They need more people, or what? Because I see the
senior one and the junior one, theres quite a gap there. Macam
Azan, Jolene is quite new. Mungkin Encik Zul pun dah agak lama
dalam bidang ni. Tengok macam mana, adakah prospect ke dalam
area corporate real estate ni di Malaysia?
Kalau orang paham, they see the potential, then I believe that
everybody will do that. You private sector ke, even government
sector pun, nothing wrong for them to set up this real estate unit
under the government. Government asset berapa banyak. Now, who
is looking over all this asset, kan? Tak payah pergi besar lah, you go
one nursery sudah. Siapa yang actually taking care of all this asset?
Takkan kita nak harapkan bank for that matter? Only property
development, I mean, property section saja? Sebab macam earlier
tadi I highlight, youre talking about real estate ni, my understanding
ada dua tadi. Satu, is our own property. The other one is the gross
property that kita pegang as cagaran kepada kita. Kan? Those are
the asset yang kita nak kena tengok jugak. So, makna dia, kalau lah
kata, we have this section, in the bank ke or any organisation for
that matter, the role that this section will play ni sebenarnya
membantu the corporation itself. Yang lain, I pun tak sure sangat.
Tapi, bank for that matter lah ea. Katalah, kalaulah ada asset yang
kita pegang for example, kita hold, one (taken/beacon?) properties,
ea? Yang, it is good for future development. So, kalau kita properly
manage this asset, kita nampak the potential, perhaps you can go
and discuss with the customer, tanah yang dicagar kepada bank ni,
for other purposes, perhaps can be developed, into something else
yang boleh generate income to the company and also the property
akan appreciate the value. So bila property the value appreciated, to
the bank, kalau kata dulu 50 juta, now dah jadik 70 juta, your loan is
only 30 million, ada possibility of kita increase dia punya facility.
dalam property, so bila datang issue macam ni, diorang tak berapa
nampak lah. So, maksudnya dalam kita sibuk setiap hari ni, kita nak
manage site, kita nak carik site-site yang baru, kita nak apa, kita nak
maintain the rental semua. So, saya nampak issue dia, itulah, kita ...
punya process, A sampai Z, kita try untuk skip, A-D-Z. Kita cuba buat
untuk medium pertengahan. Tapi, bagi saya yang kita memang pure
on property, kita memang tak boleh langkau semua tu. Kita mesti go
on process lah. So, bila benda ni saya nampak sebagai, contohnya
lah ea. Saya tunjukkanlah, even kita saya punya company sendiri,
Celcom ni ea, benda ni selalu lah kalau dalam seminar Celcom, saya
selalu bangkitkan issue ni lah. First, kita punya rental lah. Sekarang
ni, Celcom kita masih apply on the rental yang bagi saya dah lapuk
lah, okay? So, bila kita come up lah dengan kita punya research, kita
tunjuk on how the market rental value sekarang sebab kita KPI, kita
punya property KPI is based on how much rental yang kita boleh bagi
per each site? So, bila dia punya KPI, dia punya max dengan dia
punya rental terlalu rendah, and then, tapi kita rasa, dia punya
market rental value tu sepatutnya tidak pada takuk tu, so benda ni
dia tidak, dalam masa yang sama dia kacau lah kita punya KPI. So,
bagi saya, benda ni sekarang ni, dalam golongan kami lah
maksudnya, golongan-golongan muda dalam bahagian property kita
tengah come up untuk tunjukkan pada kita punya top higher
management untuk tunjukkan pada dia yang, sebenarnya apa yang
kita beri ni, dah terlalu rendah berbanding apa yang ada di market
sekarang. Itu the first dia punya problem lah. So, benda-benda tu lah
antara salah satu problem yang saya nampak, diorang sebenarnya
tahu, tapi atas dasar untung, dan atas dasar mungkin dia tak tahu
macam mana cara...
walaupun kita punya major business kita on the structure itself, tapi
kita mula dengan landed. Basic kita is property.
real estate. Is there any strategy yang dah guna ke, ataupun
daripada unit naik ke department ke, macam mana Maybank boleh
upgrade? Adakah kesedaran senior management ke ataupun push
daripada...
bank, kita pun tak aware, eh, actually this property charged to us,
kan? And, owner mungkin dia tak pakai, dia sewa kan kepada orang
lain. So, instead of you go and search for the new site. Kalau you
betul-betul ada a set of people yang look into all these thing, they
can just trigger the business side yang decide opening of the new
branch look, they have a go at the property charged to the bank
within this area. Mungkin you boleh negotiate with the owner for
better price, better rental.
side, and then, project. Ataupun, dia generate profit jugak, land, how
to develop. Because, theres a good will there, based on my
experience. Contoh, di Australia, Testra dah buat. Macam dia nak
control cost, dia even, dia space charging. Dia charge whether
department ni, dia buat __________________berapa hundred k, you
manage this place. Kalau you ada kerugian, you penalty. That sort of
lah, so nanti company tu, dalaman sendiri dia akan manage macam
company. So, itu partly lah. Lagi satu, macam dia ada plan besar.
Developer, apa potential income dia boleh dapat daripada tu. JV lah,
that sort of. Lepas tu kalau macam in terms of productivity based on
framework yang saya bagi tu, elemen-elemen tu, diorang dah
basically diorang touch hampir semua. Kita mungkin touch in terms
of cost reduction. Which is cost reduction is one of the seven elemen
yang diorang ada: promote marketing and sale. There are a lot of
thing yang diorang dah touch which is kalau, its a good, kalau kita
boleh cover all the area lah. They increase of value, macam mana.
They promote marketing macam mana. They increase productivity
macam mana. Dia punya innovation macam mana dia design. Di
sana, dia dah tak pakai konsep macam dia panggil spaghetti
management lah. Dah tak ada boss duduk level satu-satu floor, dia
punya dah tak ada. Meja boss, dua hari ni, kerani duduk. So, dia dah
very advanced level.
kita akan come up dengan regular meeting ke, once a year ke, in
case orang real estate ni boleh come up some sort of not society and
whatsoever tapi kita nak ada knowledge sharing tu supaya kita
moving forward to same direction. In case government, next time
nak impose anything towards asset issue, kita boleh ada one voice.
So that, takde lah too secretive sangat nanti ada kerugian. Macam
tadi, Ms. Cheng Ni ada propose CoreNet Global, one of the platform
yang kita boleh join lah. Dia ada CoreNet ni, corporate real estate
global network...