View
217
Download
0
Category
Preview:
Citation preview
8/7/2019 Charisma Financial Risk Assessment
1/20
We help customers worldwide to grow their businessby employing our reliable software and cost-effectiveservices to turn their IT strategies into timelydelivered projects
8/7/2019 Charisma Financial Risk Assessment
2/20
+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
8/7/2019 Charisma Financial Risk Assessment
3/20
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
8/7/2019 Charisma Financial Risk Assessment
4/20
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
8/7/2019 Charisma Financial Risk Assessment
5/20
Main clientsIndustry leaders on home market
Financial Pharma Services
http://www.piraeus-leasing.ro/indexen.htm8/7/2019 Charisma Financial Risk Assessment
6/20
Main clientsIndustry leaders on home market
ConstructionDistribution / Retail Production
8/7/2019 Charisma Financial Risk Assessment
7/20
CHARISMA FINANCIAL RISK ASSESSMENTComplete financial image & risk evaluation of yourbusiness partners
8/7/2019 Charisma Financial Risk Assessment
8/20
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
8/7/2019 Charisma Financial Risk Assessment
9/20
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
8/7/2019 Charisma Financial Risk Assessment
10/20
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
8/7/2019 Charisma Financial Risk Assessment
11/20
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
8/7/2019 Charisma Financial Risk Assessment
12/20
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
8/7/2019 Charisma Financial Risk Assessment
13/20
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
8/7/2019 Charisma Financial Risk Assessment
14/20
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
8/7/2019 Charisma Financial Risk Assessment
15/20
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
8/7/2019 Charisma Financial Risk Assessment
16/20
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
8/7/2019 Charisma Financial Risk Assessment
17/20
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
8/7/2019 Charisma Financial Risk Assessment
18/20
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.
8/7/2019 Charisma Financial Risk Assessment
19/20
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
8/7/2019 Charisma Financial Risk Assessment
20/20
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.roRecommended