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Real Estate: A Good Investment Sarena Cheah 30 t h April 2016
Real Estate: A Good Investment Sarena Cheah 30 t h April 2016
Real Estate: A Good Investment Sarena Cheah 30 t h April 2016

Real Estate: A Good Investment

Sarena Cheah

30 th April 2016

Malaysian property and its economic cycles the past 25 years…

Soft Economic Outlook

Global uncertainty

• • • Global Financial Crisis Asia Financial Crisis 2008 vs. 2009: 8% 5 years
Global Financial Crisis
Asia Financial Crisis
2008 vs. 2009: 8%
5 years CAGR: 7.79%
1997 vs.
1998: 23%
5 years CAGR: 9.96%

Tightening of lending guidelines by banks

GST implementation

2014 vs. 2015: 2% 5 years CAGR: 12.10%

The proposal and recommendations contained herewith remain the sole property of Sunway Group. Any unauthorized duplication or content use without consent of authority from Sunway Group, is deemed as

2 breach of copyright.

duplication or content use without consent of authority from Sunway Group, is deemed as 2 breach
22 April 2016 The proposal and recommendations contained herewith remain the sole property of Sunway
22 April 2016 The proposal and recommendations contained herewith remain the sole property of Sunway

22 April 2016

The proposal and recommendations contained herewith remain the sole property of Sunway Group. Any unauthorized duplication or content use without consent of authority from Sunway Group, is deemed as

3 breach of copyright.

duplication or content use without consent of authority from Sunway Group, is deemed as 3 breach

Are there any opportunities?

Are there any opportunities? The proposal and recommendations contained herewith remain the sole property of Sunway
Are there any opportunities? The proposal and recommendations contained herewith remain the sole property of Sunway

The proposal and recommendations contained herewith remain the sole property of Sunway Group. Any unauthorized duplication or content use without consent of authority from Sunway Group, is deemed as

4 breach of copyright.

duplication or content use without consent of authority from Sunway Group, is deemed as 4 breach

2015 was a year of adjustment for the Malaysian property market

Malaysia Total Value Transaction (RM bil) Moving average 9% (3 years) 180.0 163.0 152.4 149.9
Malaysia Total Value Transaction (RM bil)
Moving average 9% (3 years)
180.0
163.0
152.4
149.9
160.0
142.8
137.8
140.0
120.0
107.4
100.0
88.3
77.1
80.0
81.0
60.0
60.0
61.6
56.9
40.0
20.0
-

Source: NAPIC (3 years moving average 2004-2007)

The proposal and recommendations contained herewith remain the sole property of Sunway Group. Any unauthorized duplication or content use without consent of authority from Sunway Group, is deemed as

5 breach of copyright.

duplication or content use without consent of authority from Sunway Group, is deemed as 5 breach

Total NPL has been on a downward trend from 2010 to 2015, similarly for residential property loan

40,000

35,000

30,000

25,000

20,000

15,000

Non Performing Loans (RM' mil) 34,785 29,692 28,669 26,996 22,520 22,699 22,161 23,103
Non Performing Loans (RM' mil)
34,785
29,692
28,669
26,996
22,520
22,699
22,161 23,103
10,738 10,000 8,926 7,724 6,434 5,661 5,000 5,272 5,012 5,030 2,698 1,913 1,857 1,786 1,398
10,738
10,000
8,926
7,724
6,434
5,661
5,000
5,272
5,012
5,030
2,698
1,913
1,857
1,786
1,398
1,281
1,162
1,335
-
Dec-08
Dec-09
Dec-10
Dec-11
Dec-12
Dec-13
Dec-14
Dec-15
Total NPL
Purchase of residential property

Purchase of non-residential property1,335 - Dec-08 Dec-09 Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Total NPL Purchase of residential property

6.0%

5.0%

4.0%

3.0%

2.0%

1.0%

0.0%

NPL to Total Loans Ratio

5.6% 4.8% 4.2% 4.0% 3.7% 3.2% 3.4% 2.7% 2.6% 2.4% 2.0% 1.9% 2.0% 1.9% 1.7%
5.6%
4.8%
4.2%
4.0%
3.7%
3.2% 3.4%
2.7%
2.6%
2.4%
2.0%
1.9% 2.0%
1.9%
1.7%
1.6%
1.5%
1.3%
1.3%
1.2%
1.0%
0.9%
0.8%
0.7%
Dec-08
Dec-09
Dec-10
Dec-11
Dec-12
Dec-13
Dec-14
Dec-15

Purchase of residential property0.7% Dec-08 Dec-09 Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Total loans Purchase of non-residential property

Total loansDec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Purchase of residential property Purchase of non-residential property

Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Purchase of residential property Total loans Purchase of non-residential property

Purchase of non-residential property

Source: Bank Negara Malaysia

The proposal and recommendations contained herewith remain the sole property of Sunway Group. Any unauthorized duplication or content use without consent of authority from Sunway Group, is deemed as

6 breach of copyright.

duplication or content use without consent of authority from Sunway Group, is deemed as 6 breach

5 reasons to invest in real estate

1 2 3 4 5
1
2
3
4
5

Maslow’s hierarchy of needs; we all want a place to call home.

The proposal and recommendations contained herewith remain the sole property of Sunway Group. Any unauthorized
The proposal and recommendations contained herewith remain the sole property of Sunway Group. Any unauthorized duplication or content use without consent of authority from Sunway Group, is deemed as

7 breach of copyright.

1 2 3
1
2
3

5 reasons to invest in real estate

Property, being an important contributor to GDP, has proven to be

a resilient investment class.

to GDP, has proven to be a resilient investment class. Source: Bank Negara Malaysia & Department
to GDP, has proven to be a resilient investment class. Source: Bank Negara Malaysia & Department

Source: Bank Negara Malaysia & Department of Statistics

The proposal and recommendations contained herewith remain the sole property of Sunway Group. Any unauthorized duplication or content use without consent of authority from Sunway Group, is deemed as

8 breach of copyright.

1 2 3
1
2
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5 reasons to invest in real estate

Real estate, in the right locations, gives the greatest return for

leverage.

the right locations, gives the greatest return for leverage. INFRASTRUCTURE INTEGRATED DEVELOPMENT ACCESSIBILITY

INFRASTRUCTURE

INTEGRATED DEVELOPMENT
INTEGRATED DEVELOPMENT

ACCESSIBILITY

CONNECTIVITY
CONNECTIVITY
INTEGRATED DEVELOPMENT ACCESSIBILITY CONNECTIVITY The proposal and recommendations contained herewith remain
INTEGRATED DEVELOPMENT ACCESSIBILITY CONNECTIVITY The proposal and recommendations contained herewith remain

The proposal and recommendations contained herewith remain the sole property of Sunway Group. Any unauthorized duplication or content use without consent of authority from Sunway Group, is deemed as

9 breach of copyright.

5 reasons to invest in real estate

We can get creative and innovative with real estate.

estate We can get creative and innovative with real estate. 1 2 3 4 5 The
estate We can get creative and innovative with real estate. 1 2 3 4 5 The
1 2 3 4 5
1
2
3
4
5
get creative and innovative with real estate. 1 2 3 4 5 The proposal and recommendations
get creative and innovative with real estate. 1 2 3 4 5 The proposal and recommendations

The proposal and recommendations contained herewith remain the sole property of Sunway Group. Any unauthorized duplication or content use without consent of authority from Sunway Group, is deemed as

10 breach of copyright.

duplication or content use without consent of authority from Sunway Group, is deemed as 10 breach
1 2 3
1
2
3

5 reasons to invest in real estate

There are pockets of opportunities.
There are pockets of opportunities.

The proposal and recommendations contained herewith remain the sole property of Sunway Group. Any unauthorized duplication or content use without consent of authority from Sunway Group, is deemed as

11 breach of copyright.

The proposal and recommendations contained herewith remain the sole property of Sunway Group. Any unauthorized

The proposal and recommendations contained herewith remain the sole property of Sunway Group. Any unauthorized duplication or content use without consent of authority from Sunway Group, is deemed as

12 breach of copyright.

duplication or content use without consent of authority from Sunway Group, is deemed as 12 breach