Simple | Intuitive | Flexible | Complete

Financial Services

CharismaFinancial Services

Charisma Business Suite

leverages TotalSoft’s more

than 10 years experience in

providing integrated

software solutions

supporting key process in

the finance and banking

sector. Charisma has

distinguished itself by

delivering complex business

software solutions, that are

not only beneficial, but

provide usability and

transparency to more than

60 customers in the

financial services sector

including banks, insurance,

leasing and brokerage

corporations. Charisma

Leasing is an unparalleled

market leader, supporting

over 80% of the Leasing

market in Romania.

Given the current economic

context and due to the

international increasing

competition, the existence of a

performing communication and

informational system within the

finance-banking sector is the key

factor for the improvement of

economic-financial indicators.

„Before the implementation of Charisma ERP we concluded aprox. 150

new contracts per month. Due to the support of the application we

reached 700 new contracts per month. A four times bigger volume of

contracts, but not by multiplying by four the number of employees“,

Adrian Alexe,

President and General Director, Ţiriac Leasing.

SolutionsAll finance-banking institutions

will benefit from a complete

End-to-End solution. Given a

powerful set of tools that easily

adapt to the specific needs of

each company, no matter its size,

it will be able to significantly

reduce the operational costs by

increasing security, transparency

and financial performance:

The Leasing Module

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The Insurance Module

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The Refinancing Module

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Monitors and improves the complete management of contracts, financial

and operational leasing operations, both in the back-office, as well as in

the front-office;

Increase customers relationship;

Increases the company profit with the help of flexible credit programs

and according to the market features and financing abilities (multi-

currency, fixed or variable interest, configurable payment schedule, grace

or seasonal periods);

Reduces corporation risk and operational costs thanks to the quick and

easy access to information, by complete traceability of document flow

(from offers to the repossession or selling of the good) and automatic

calculation and generation of documents during leasing contract lifecycle;

Efficiently manages the financed assets and client portfolio, permanently

maintaining the history of changes during the lifecycle of the contracts,

no matter their type.

Decreases the internal expenses and company risks by fully managing the

insurance policies, no matter their type (asset insurance, life, civil auto

liability, financial risk insurance) and automates the generation and

calculation of their values based on the default conventions with the

insurers;

Increases the efficiency of the financial management of insurance policies

by complete traceability with the asset financing contracts, by managing

the insurance registries and monthly account records through an

insurance payment interface;

Supports business development by means of flexibility of insurance

programs for the customer, according to their financial abilities (includes

and/or splits the insurance premiums in the leasing installments with or

without interest calculation).

Efficiently tracks and manages the operations with the financing

contracts from banking institutions or within the company group by

defining and maintaining the financing lines and money withdrawals.

SolutionsBrings the advantage of a complete and integrated solution for any

activity of client debt collection management for the resolution process

including legal procedures and repossession, as well as for remarketing

(reselling, renting, refinancing).

Provides support in the decisional process, by offering information and

statistics comparisons based on the stored and processed data;

Maximizes the company profit of any size with the help of a complete set

of analysis elements (scorecard, analytic grid, analytic chart, user-

definition reports, dashboards for publication) and by tracking the

performance indicators of the company evolution across time.

Increases transparency and builds a strong relationship with all the

institution partners (customers, providers, distributors, etc);

Reduces the cost and operational load, both for the company and for its

business partner with the help of a Web platform providing complete and

transparent back-office information (invoice statement, payments,

returns) and with the help of the facility delivered by on-line payment, e-

mail or SMS notices and quick printing of interest documents.

Decreases the financial risk by efficient control of expense budgets,

enables access for every employee to send requests, as well as expense

request approval according to the determined budgets (ePurchasing);

Monitors the costs and acquisition processes (RFP, RFQ, offer bids),

increases the efficiency of the offering and ordering process and

improves the capitalization abilities of the company's opportunities

(eProcurement);

Reduces time and money assigned for the management of the contracts

with providers, includes the management of the provider invoices'

approval, as well as the history of the contractual relationships with

business partners (Contract Management).

Monitors and profitably manages the wholesale contracts signed with the

dealers or entered between two third parties with the purpose of selling

goods in large quantities under the conditions of profitable financing

offered by the company;

Enables calculation of interest and taxes related to the contracts and

keeps the history of all changes during the lifecycle of the wholesale

contracts.

Charisma Collection

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Charisma Analyzer (BI)

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Charisma Self Service

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Charisma Cost Control

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The Wholesale Module

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SolutionsBrings the benefit of integrating the management of the financing

factoring contracts, improving the client portfolio and increasing the

company's profitability;

Flexibly manages credit lines, valid financial products, risk categories for

customer distribution, mechanisms for calculation of interests or

discounts.

Is an integrated package designed for the management of human

resources, personnel costs and fulfillment of legal obligations. Includes:

the management of the employees and their position in the hierarchy,

the parameterization and implementation of calculation formulas, salary

types, benefits, sick leaves, holidays, withholdings, as well as generation

of salary budgets, the submission of files to the Working Inspectorates

and statements to the State budget.

Ensures the accuracy and validity of the data submitted to the National

Banks, as well as the periodical reporting of the customer situation and

active contracts in the portfolio.

Integrates the management of company resources through the

automation of accounting processes, the depreciation of fixed assets on

various reference systems, by tracking the budget versus the results over

the period and by recording sale and purchase invoices entered by the

company;

Ensures the parallel management of the sites of the company or the

other companies, both parts of a holding, whether they are completely

independent, and allows for the simultaneous tracking of multiple

accounting principles - internal or external: RAS, IAS, USGAAP, group,

IFRS, etc.), banking or group;

Is a powerful and complex tool for the monitoring the existing and future

cash flows within a company, as a whole or by subunits.

In order to provide complete solutions to its customers, Charisma

Business Suite 2010 is supported with a wide range of IT services:

consulting, project management, software development, system and

operational support integration, training and instruction.

The Factoring Module

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Charisma HR

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Reporting to the Credit Bureau and National Bank

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Charisma ERP 2010 – Core Suite

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Poland Poland

Romania Romania

Bulgaria Bulgaria

Greece Greece

Czech RepCzech Rep

HungaryHungary

Albania Albania

Austria Austria

UnitedKingdom UnitedKingdom

Germany Germany

Russia

Ukraine

Moldova

Serbia

Slovakia

SenegalSenegal

Qatar Qatar

Saudi ArabiaUAE

BelgiumBelgium

FranceFrance

ItalyItaly

SwedenSweden

SpainSpain

Estonia

USAUSA

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TotalSoft Headquarters

TotalSoft Headquarters, Global City Business Park 10 Bucharest - Nord Street

thBuilding O2, 8 Floor,

P: +4021 335 17 09

W: totalsoft.ro, charisma.ro, acollada.com

E: office@totalsoft.ro

Voluntari, llfov,România

Austria | Greece | Bulgaria | Qatar