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We help customers worldwide to grow their businessby employing our reliable software and cost-effectiveservices to turn their IT strategies into timelydelivered projects

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+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 sectorMultinational clients: +60 international groups

380 full time employees350 employees with technical background

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

General Overview16 years of continuous activity on

regional market

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Successful complex implementations in 25countries

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)

Clients

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Intelectual Property: CHARISMA BusinessSuite

Charisma ERP

Charisma HR & PayrollCharisma Medical SoftwareCharisma Office Automation

Third Party Products

Services

Development, Implementation, Outsourcing, Consultancy,Training, Project Management

Solutions

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Main clientsIndustry leaders on home market

Financial Pharma Services

http://www.piraeus-leasing.ro/indexen.htm

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Main clientsIndustry leaders on home market

ConstructionDistribution / Retail Production

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CHARISMA FINANCIAL RISK ASSESSMENTComplete financial image & risk evaluation of yourbusiness partners

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Financial Risk Assessment

The hostile economic environment leads to theIncreases of the commercial and credit risks due to legal gapsIncreases of the insolvency or payment incidents risk

Financial institutions can significantly reducefinancial risks byusing a solution that providesAccurate information on its potential customersInformation in advance on future commercial transaction riskReports on the economic data and financial indicators of their

partners

Complete information on their customers: history, shareholdersstructure,

Why do we need a solution for evaluating

financial risks

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Why Financial Risk Assessment?Advantages

Centralizes the information into an unique datasource and

facilitates the quick access to financial

indicators

Structures the information on interest

categoriesCompany profileInsolvencyRisk assessmentCredit limitCompany history

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Why Financial Risk Assessment?Advantages

Generates full reports on the companyFinancial and commercial dataCompany profitability assessment

Financial statements for 5 years- Balance sheet- Profit and loss accounts- Annual growth of items from one year to another

LiquiditySolvabilityBusiness

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Why Financial Risk Assessment?Advantages

In-depth company assessmentsSecurity interestsGenerated credit limit

Scoring indicatorSector comparisonNegative financial indicatorsPayment incidents

State budget debts

Ensures automatic or manual access to theextracted 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 incidentsSocial securityHealthUnemployment debts for the company's employees

Legal files in which it is involved

Provides information and parameterizedsupport for the own

scoring engine

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Why Financial Risk Assessment?Advantages

Generates full reportsAdministrators of the companyAffiliated companies

All the business relationships of main shareholders with othercompanies

Full history of the company evolutionNumber of employeesShareholders structureCapitalInsolvencyNews

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Study case

Economic view:Countrys macroeconomic and financial outlook has

deteriorated dramatically

as its access to external sources of finance has become muchmoreconstrained and demand for its exports has plummeted.

BanksThe banking system has grown rapidly, but is still small

relative to GDP

Stress test results suggest that the primary risk to banks isthe rise in NPLs

Romanian economy overview

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Private sectorEarly 2008, strong agricultural production led to upward

revisions of

growth estimates.

Early 2009 have seen rapid contractions in: ConstructionManufacturing

Service sectors

Credit aggregates, which were growing extremely rapidly in2008 are nowfalling

Study caseRomanian economy overview

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TYPE OF OVERDUEDEBTS

2009 % 2008 % 2007

Past-due debts overduemore than 90 days (*)

5.385 383,83 1.113 166,91 417

Number of overduedebtors (natural and

juridical persons)

201.667 45,13 138.959 84,19 75.443

(*) Values: Mil RonCentral Credit Register - Loans and commitments of the creditinstitutions

Study caseRomanian economy overview

Overdue Debts

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YEAR CASES %

2007 8.200

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

0

5.000

10.000

15.000

20.000

25.000

30.000

1 2 3 4

Study caseRomanian economy overview

Bankruptcies

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Solution for decreasingfinancial risksCharisma Financial Risk Assessment -Benefits

Reduces Business Risks

Due to in depth analysis of thefinancial situation of businesspartners, starting from early stages of tendering, Charisma Financial RiskAssessment significantly reduces therisk of concluding contracts in a

disadvantageous way.

Provides support in decision makingBy 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.

Reducesoperational costsDue to centralized

information and quicklyaccess, by one click,directly from CharismaERP interface, CharismaERP solution significantlyreduces operating costs of

people involved in theverification of information.

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Stability &profitability

rates

Companyhistory

Scoring

Operational and Financial SituationNegative Data Report: negative financial

indicators, overduedebts to the state

Risk Rating, Credit Limit, Risk Securities,Payment Incidents,

Financial Module EUR/RON, Financial Ratios 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, insolvencynews

Provides parameterized and information support fora proper

scoring engineBrings credit risk ranges in decision making process

Solution for decreasingfinancial risksCharisma Financial Risk Assessment -Benefits

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TotalSoft HeadquarterGlobal City Business Park, Building O2, 8 th Floor, Bucharest, Romania

T: +4021 335 1709F: +4021 335 1712sales@totalsoft.ro

www.charisma.ro ; www.totalsoft.ro

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

mailto:marketing@totalsoft.rohttp://www.charisma.ro/http://www.totalsoft.ro/http://www.charisma.ro/EN/demohttp://www.charisma.ro/EN/demohttp://www.totalsoft.ro/http://www.charisma.ro/mailto:marketing@totalsoft.ro