Charisma Financial Risk Assessment

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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
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General Overview
15 years of continuous activity on regional market

• 20 M Euro turnover
• 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, 90012001

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Clients

• Successful complex implementations in 21
  countries
• USA
• Western Europe (Austria, Belgium, France,
  Germany, Greece, Italy, Poland, Sweden, UK)
• Eastern Europe (Albania, Bulgaria, Czech
  Republic, Estonia, Hungary, Moldova, Romania,
  Russia, Serbia, Ukraine)
• Middle East (Saudi Arabia)

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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

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Main clients
Industry leaders on home market
Financial
Pharma
Services
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Main clients
Industry leaders on home market
Construction
Distribution / Retail
Production
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CHARISMA FINANCIAL RISK ASSESSMENT
Complete financial image risk evaluation of
your business partners
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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,
• stakeholders, risk assessment or financial
  statements over the last years

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Why Financial Risk Assessment?
Advantages

• 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
• Business units and employees
• Shareholders and stakeholders

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Why Financial Risk Assessment?
Advantages

• 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

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Why Financial Risk Assessment?
Advantages

• 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

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Why Financial Risk Assessment?
Advantages

• 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

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Why Financial Risk Assessment?
Advantages

• 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

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Study case

• Romanian economy overview

• Economic view
• Countrys 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

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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

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Study case

• Romanian economy overview

• Overdue Debts

() Values Mil Ron Central Credit Register -
Loans and commitments of the credit institutions
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Study case

• Romanian economy overview

• Bankruptcies

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Solution for decreasing financial risks
Charisma Financial Risk Assessment - Benefits
Reduces operational costs Due to centralized
information and quickly access, by one click,
directly from Charisma ERP interface, Charisma
ERP solution significantly reduces operating
costs of people involved in the verification of
information.
Reduces Business Risks Due to in depth
analysis of the financial situation of business
partners, starting from early stages of
tendering, Charisma Financial Risk Assessment
significantly reduces the risk of concluding
contracts in a disadvantageous way.
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.
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Solution for decreasing financial risks
Charisma Financial Risk Assessment - Benefits

• Operational and Financial Situation
• Negative Data Report negative financial
  indicators, overdue
• debts to the state
• Risk Rating, Credit Limit, Risk Securities,
  Payment Incidents,
• Financial Module EUR/RON, Financial Ratios

Stability profitability rates

• Provides Financial Statements from the last 5
  years (balance
• sheet, profit loss, etc)
• Reveals company development, from very beginning
  to date
• Number of employees, ownership structure,
  capital, insolvency
• news

Company history

• Provides parameterized and information support
  for a proper
• scoring engine
• Brings credit risk ranges in decision making
  process

Scoring
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TotalSoft Headquarter Global City Business Park,
Building O2, 8th Floor, Bucharest, Romania T
4021 335 1709 F 4021 335 1712 marketing_at_totalso
ft.ro www.charisma.ro www.totalsoft.ro Request
a free demo at http//www.charisma.ro/EN/demo