Financial Services

Simple | Intuitive | Flexible | Complete

 Charisma
Financial Services

Given the current economic

context and due to the
international increasing
competition, the existence of a
performing communication and
informational system within the
Charisma Business Suite
finance-banking sector is the key
2010 leverages TotalSoft’s
factor for the improvement of
more than 10 years
economic-financial indicators.
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.

„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.
Solutions
All 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
Monitors and improves the complete management of contracts, financial
n
and operational leasing operations, both in the back-office, as well as in
the front-office;
Increase customers relationship;
n
Increases the company profit with the help of flexible credit programs
n
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
n
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
n
maintaining the history of changes during the lifecycle of the contracts,
no matter their type.
The Insurance Module
Decreases the internal expenses and company risks by fully managing the
n
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
n
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
n
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).
The Refinancing Module
Efficiently tracks and manages the operations with the financing
n
contracts from banking institutions or within the company group by
defining and maintaining the financing lines and money withdrawals.
Solutions
Charisma Collection
Brings the advantage of a complete and integrated solution for any
n
activity of client debt collection management for the resolution process
including legal procedures and repossession, as well as for remarketing
(reselling, renting, refinancing).

Charisma Analyzer (BI)

Provides support in the decisional process, by offering information and
n
statistics comparisons based on the stored and processed data;
Maximizes the company profit of any size with the help of a complete set
n
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.

Charisma Self Service

Increases transparency and builds a strong relationship with all the
n
institution partners (customers, providers, distributors, etc);
Reduces the cost and operational load, both for the company and for its
n
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.

Charisma Cost Control

Decreases the financial risk by efficient control of expense budgets,
n
enables access for every employee to send requests, as well as expense
approval according to the determined budgets (ePurchasing);
Monitors the costs and acquisition processes (RFP, RFQ, offer bids),
n
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
n
with providers, includes the management of the provider invoices'
approval, as well as the history of the contractual relationships with
business partners (Contract Management).

The Wholesale Module

Monitors and profitably manages the wholesale contracts signed with the
n
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
n
keeps the history of all changes during the lifecycle of the wholesale
contracts.
Solutions
The Factoring Module
Brings the benefit of integrating the management of the financing
n
factoring contracts, improving the client portfolio and increasing the
company's profitability;
Flexibly manages credit lines, valid financial products, risk categories for
n
customer distribution, mechanisms for calculation of interests or
discounts.

Charisma HR
Is an integrated package designed for the management of human
n
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.

Reporting to the Credit Bureau and National Bank

Ensures the accuracy and validity of the data submitted to the National
n
Banks, as well as the periodical reporting of the customer situation and
active contracts in the portfolio.

Charisma ERP 2010 – Core Suite

Integrates the management of company resources through the
n
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
n
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
n
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.

TotalSoft Headquarters
Global City Business Park
10 Bucharest - Nord Street
Building O2, 8th Floor,
077190, Bucharest-Ilfov, Romania
P: +4021 335 17 09
F: +4021 335 17 12
E: office@totalsoft.ro
W: www.totalsoft.ro
W: www.charisma.ro
TotalSoft Greece
64 Vas. Sofias, 115 28
Athens, Greece
P: +30 210 72 00 084
F: +30 210 7253 511
E: info@totalsoft-hellas.com
W: www.totalsoft-hellas.com
W: www.charisma.com.gr
© TotalSoft 2010
TotalSoft Bulgaria TotalSoft Qatar
11 Maria Louisa Blvd, Commercial Bank Plaza,
Sofia, Bulgaria West Bay, Level 15
P: +359 2 9239 564 P.O Box 200348, Doha, Qatar
F: +359 2 9239 560 P: +974 44 52 83 97
E: marketing@totalsoft.bg F: +40 21 335 1712
W: www.totalsoft.bg E: iconstantinescu@totalsoft.ro
W: www.charisma.bg W: www.totalsoft.ro
W: www.charisma.ro