Introduction

CapitalBay
Digitalizing Supply Chain Finance
 Introduction CapitalBay’s Timeline

Market Opportunities
Q1 2016
• Strong support from BNM
Execution by with who invited all
CapitalBay Malaysian banks to invest
hundreds of hours from the
industry invested to set up
2018 Projections a practical and suitable
SCF platform
Q3 2017
• RM2 million investments
• Three banks formally on the
CapitalBay platform with
more than RM 10 million
Approval by
facility approved
Regulators
Q2 2018
• Set up of a private funding
structure to provide investors
access to trade as an asset
class, yielding superior risk-
adjusted returns
Private
Funding Launch
• Apply for P2P Lending License
under CMSA

• First and only Multi-Bank

Supply Chain Finance
platform approved by
Securities Commissions as
an RMO under Section 34 of
Public-Private
CMSA
Collaboration
• Strong portfolio MoM
growth, now funding over
RM 1 million per month
worth of invoices for
Bank partnerships Private Funding
private funding
and VC investments

Q4 2016 Q1 2018
 Introduction Founders’ Profiles
Market Opportunities Ang Xing Xian
CEO
Execution by
CapitalBay
2018 Projections
§ Main experiences. Analytics,
database programming, product
development
§ MSc in Computational Finance
from Oxford University
§ MarketInvoice, London – UK’s
most successful P2P invoice
financing platform.
§ Others. Creador (private equity),
Credit Suisse (trader), Accenture
(tech & strategy, analytics)
Edwin Tan
COO / CFO
§ Main experiences. Financial
modelling & analysis,
reporting, analytics,
programming (PHP)
§ MSc in Financial Economics
from Oxford University
§ Financial due diligence and
M&A advisory at Deloitte,
Sydney
Dion Tan
CBO
§ Main experiences. Strategy,
business development
§ BSc in Information Systems &
Management from University
College London
§ Telecommunication, media and
property sector at Accenture
Strategy, KL
 Introduction CapitalBay helps overcome the challenges through factoring / reverse factoring

Market Opportunities We help great SMEs who are growing fast by providing capital at the transaction level

Execution by
CapitalBay

2018 Projections

2 Advanced payment RM98K 3 Full invoice payments upon due

dates

1 Submit invoice of RM 100K

Supplier Buyer
 Introduction Market is huge with more than RM 100 billion accounts payable on Bursa-listed corporate balance sheets, and
payment terms continue to get longer each year

Market Opportunities

Execution by More than RM 100 billion Accounts Payables

CapitalBay

2018 Projections

RM 80 billion financing gap for SMEs

Huge Market
Opportunities

Malaysian corporations have been lengthening their payment terms

Current bank operations unable to capture the markets

 Introduction CapitalBay is able to step in and generate sufficient values through our technical capability and efficient process

Market Opportunities

Execution by
Lower regulatory burden allows CapitalBay to execute faster and cheaper
CapitalBay

2018 Projections

100% digital process / workflow to tackle the high operational costs associated
with trade finance, trusted by 3 commercial banks in Malaysia

API connections to multiple data sources to obtain more data and better
efficiency
CapitalBay
Machine-learning to manage credit risks, operational risks and others
 Introduction Projection for 2018

Market Opportunities
Transaction Value (RM ’million)

Execution by
CapitalBay 8.0

Transaction Value (RM ‘mil)

7.0
2018 Projections

6.0

5.0

4.0
7.2
3.0 6.0
5.0
2.0 4.2
3.5
2.9
2.4
1.0 2.0
1.4 1.7
0.8 0.9 1.1
0.4 0.3 0.6
-
Sep-17 Oct-17 Nov-17 Dec-17 Jan-18 Feb-18 Mar-18 Apr-18 May-18 Jun-18 Jul-18 Aug-18 Sep-18 Oct-18 Nov-18 Dec-18

Series A
Transaction Value (Actual) Transaction Value (Projection)
CapitalBay
Unlock Cashflow

Contact us

Ang Xing Xian

Director
xingxian@capitalbay.com.my
+6017 321 2342

Edwin Tan
Director
edwin@capitalbay.com.my
+603 5623 8936

www.capitalbay.com.my

CapitalBay is a leading technology provider of supply chain finance offerings, helping corporations across all sizes
implement supply chain finance on our multi-bank platform. CapitalBay aims to solve the funding gap issues in the
Malaysian SME markets through supply chain finance by channeling billions of affordable and sustainable financing to
SMEs.

© 2017 Bay Group Holdings Sdn. Bhd.