We help customers worldwide to grow their business

by employing our reliable software and cost-effective

services to turn their IT strategies into timely
delivered projects
General Overview
16 years of continuous activity on
regional market

 +22 M Euro turnover in 2010

 30% of company revenue generated by exports

 70% of TotalSoft solutions has presence abroad

 1500 clients in private and public sector

 Multinational clients: +60 international groups

 380 full time employees

 350 employees with technical background

 ISO Certified: 14001, 18001, 27001, 9001:2001

Clients

 Successful complex implementations in 25

countries
 USA
 Western Europe (Austria, Belgium, France, Germany,
Greece, Italy, Poland, Sweden, UK, Spania)
 Eastern Europe (Albania, Bulgaria, Czech Republic,
Estonia, Hungary, Moldova, Romania, Russia, Serbia, Ukraine)
 Middle East (Saudi Arabia, Qatar, Dubai)
 Africa (Senegal)
Solutions

 Intelectual Property: CHARISMA™ Business

Suite
 Charisma ERP
 Charisma HR & Payroll
 Charisma Medical Software
 Charisma Office Automation

 Third Party Products

 Services
 Development, Implementation, Outsourcing, Consultancy,
Training, Project Management
Main clients
Industry leaders on home market

Financial Pharma Services

Main clients
Industry leaders on home market

ConstructionDistribution / Retail Production

 CHARISMA FINANCIAL RISK
ASSESSMENT
Complete financial image & risk evaluation of your
business partners
Financial Risk Assessment
Why do we need a solution for evaluating
financial risks

 The hostile economic environment leads to the

Increases of the commercial and credit risks due to legal gaps
Increases of the insolvency or payment incidents risk

Financial institutions can significantly reduce

financial risks by
using a solution that provides
Accurate information on its potential customers
Information in advance on future commercial transaction risk
Reports on the economic data and financial indicators of their
partners
Complete information on their customers: history, shareholders
structure,
Why Financial Risk
Advantages
Assessment?
 Centralizes the information into an unique data
source and
facilitates the quick access to financial
indicators

 Structures the information on interest

categories
 Company profile
 Insolvency
 Risk assessment
 Credit limit
 Company history
Why Financial Risk
Advantages
Assessment?
 Generates full reports on the company
 Financial and commercial data
 Company profitability assessment
 Financial statements for 5 years
- Balance sheet
- Profit and loss accounts
- Annual growth of items from one year to another
 Liquidity
 Solvability
 Business
Why Financial Risk
Advantages
Assessment?
 In-depth company assessments
 Security interests
 Generated credit limit
 Scoring indicator
 Sector comparison
 Negative financial indicators
 Payment incidents
 State budget debts

 Ensures automatic or manual access to the

extracted financial
information, upon request
Why Financial Risk
Advantages
Assessment?
 Generates negative data reports for a quick
notification on
 Company's debts to the state
 Payment complaints and incidents
 Social security
 Health
 Unemployment debts for the company's employees
 Legal files in which it is involved

 Provides information and parameterized

support for the own
scoring engine
Why Financial Risk
Advantages
Assessment?
 Generates full reports
 Administrators of the company
 Affiliated companies
 All the business relationships of main shareholders with other
companies

 Full history of the company evolution

 Number of employees
 Shareholders structure
 Capital
 Insolvency
 News
Study case
Romanian economy overview

 Economic view:
Country’s macroeconomic and financial outlook has
deteriorated dramatically
as its access to external sources of finance has become much
more
constrained and demand for its exports has plummeted.

 Banks
 The banking system has grown rapidly, but is still small
relative to GDP
 Stress test results suggest that the primary risk to banks is
the rise in NPLs
Study case
Romanian economy overview

 Private sector
Early 2008, strong agricultural production led to upward
revisions of
growth estimates.

Early 2009 have seen rapid contractions in:

 Construction
 Manufacturing
 Service sectors

Credit aggregates, which were growing extremely rapidly in

2008 are now
falling
Study case
Romanian economy overview

 Overdue Debts

TYPE OF OVERDUE 2009 % 2008 % 2007

DEBTS
Past-due debts overdue 5.385 383,83 1.113 166,91 417
more than 90 days (*)
Number of overdue 201.667 45,13 138.959 84,19 75.443
debtors (natural and
juridical persons)
(*) Values: Mil Ron
Central Credit Register - Loans and commitments of the credit
institutions
Study case
Romanian economy overview

 Bankruptcies

30.000
25.000
20.000
15.000
10.000
5.000
YEAR CASES %
0
2007 1 8.200
2 3   4
2008 14.483 76,62
2009 20.000 38,09
2010 (*) 30.000 50,00

2010:Jan-April 7.833

2010: Forecast

ICAP DATABANK Romania

Solution for decreasing
Charisma Financial Risk Assessment -
financial
Benefits
risks
Reduces
Reduces Business Risks operational costs
Due to centralized
Due to “in depth” analysis of the information and quickly
financial situation of business access, by one click,
partners, starting from early stages of directly from Charisma
tendering, Charisma Financial Risk ERP interface, Charisma
Assessment significantly reduces the ERP solution significantly
risk of concluding contracts in a reduces operating costs of
disadvantageous way. people involved in the
verification of information.
Provides support in decision making
By generating comprehensive financial reports on business partners,
the solution will undoubtedly provide a substantial support in decision
making, contributing significantly to the validation or invalidation of
possible new business contracts.
Solution for decreasing
Charisma Financial Risk Assessment -
financial
Benefits
risks
 Operational and Financial Situation
Stability &  Negative Data Report: negative financial
profitability indicators, overdue
rates debts to the state
 Risk Rating, Credit Limit, Risk Securities,
Payment Incidents,
 Provides Financial Statements from the last 5 years
Financial Module EUR/RON, Financial Ratios
(balance
Company
sheet, profit & loss, etc)
history
 Reveals company development, from very
beginning to date:
Number of employees, ownership structure,
capital, insolvency
 Provides parameterized and information support for
news
a proper
Scoring
scoring engine
 Brings credit risk ranges in decision making process
 TotalSoft Headquarter
Global City Business Park, Building O2, 8th Floor, Bucharest, Romania

T: +4021 335 1709

F: +4021 335 1712
sales@totalsoft.ro
www.charisma.ro ; www.totalsoft.ro

Request a free demo at http://www.charisma.ro/EN/demo