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Main clients Industry leaders on home market FinancialPharmaServices

Main clients Industry leaders on home market ConstructionDistribution / RetailProduction

CHARISMA FINANCIAL RISK ASSESSMENT Complete financial image & risk evaluation of your business partners

Financial Risk Assessment  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 Why do we need a solution for evaluating financial risks

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

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

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

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

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

Study case  Economic view: Country’s 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 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 Study case Romanian economy overview

TYPE OF OVERDUE DEBTS2009%2008%2007 Past-due debts overdue more than 90 days (*) , ,91417 Number of overdue debtors (natural and juridical persons) , , (*) Values: Mil Ron Central Credit Register - Loans and commitments of the credit institutions Study case Romanian economy overview  Overdue Debts

YEARCASES% , , (*) , :Jan-April : Forecast ICAP DATABANK Romania Study case Romanian economy overview  Bankruptcies

Solution for decreasing financial risks Charisma Financial Risk Assessment - Benefits 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. 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.

Stability & profitability rates Company history Scoring  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  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  Provides parameterized and information support for a proper scoring engine  Brings credit risk ranges in decision making process Solution for decreasing financial risks Charisma Financial Risk Assessment - Benefits

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