Charisma Leasing Management is a comprehensive leasing software solution provided by TotalSoft that allows leasing companies to manage the entire lease lifecycle from origination to disposition. It provides functionality for quotations, contracts, asset management, accounting, reporting, and more. TotalSoft is an experienced provider of leasing and financial software with over 1,500 clients in 27 countries. Charisma Leasing Management is used successfully by several major leasing groups in central and eastern Europe to manage their multi-country operations on a single integrated platform.

1. Leasing Management
Simple | Intuitive | Flexible | Complete
powered by TotalSoft, one of the world’s top 10 providers of Leasing Software (KPMG)

2. We deliver leading multi-country group software
solutions built with in-depth know-how
and expertise from the leasing sector
Regardless of the type of business the leasing company
runs – financial, operational, close-end – and of the
size or complexity of its transactions, an integrated
solution is required for efficient management of
customers, partners, contracts and leasing operations,
which covers the entire lease life cycle - from lease
quotation to contract termination and asset disposal -
and internal company’s flow.
All non-banking financial institutions will benefit from a
complete End-to-End solution. Given a powerful set of
tools that easily adapt to specific needs, no matter the
size, each company will be able to significantly reduce
the operational costs by optimizing the sales force, back
office operations, security, transparency, risk
management decisions and financial performance.
Integrated front-, middle-
and back-office business software that covers
a wide range of leasing products and types
End-to-end
asset finance
solution
Operational
& performance
analysis
Group
reporting
Equipment
Cars
Light commercial vehicles
Trucks & Trailers
Automobiles
Real estate
(Project development,
construction & sale)
Operating lease
Capital lease
Loans
Additional / Third party services
(insurance, replacement, service)
Retail | Corporate | Public sector

3. Solution of Choice for leasing
industry leaders in the region
Charisma Leasing Management is leveraged by several important leasing groups as a
standardized solution supporting multi-country operations, predominantly in
central and eastern European countries.
The solution is fully localized and compliant with local accounting requirements,
international standards (IFRS and US GAAP) currency, language, regulations and
legislation, including cases of challenging countries such as Ukraine, Greece and
Russia. Charisma supports local branches to meet the group reporting
requirements, and the headquarters to have a unified and transparent view of their
multi-country operations.
Successful implementations
in over 15 countries in Europe
One system for centrally managing
multiple business units
Multi-currency, multi-language,
multi-site, multi-country
application
Compliant with
international
standards
In 2012 TotalSoft becomes an associate member of
Leaseurope, the federation which brings together
44 leasing and car rental associations in Europe.
2014associate member of

4. 4 5
It is easy to see that Charisma Leasing Management has
become a global favourite because it has distinguished itself
by delivering complex business solutions to industry leading
organizations that are working in a highly competitive
market place. It provides usability and transparency to more
than 100 customers in the financial services sector including
leasing, banking, insurance and brokerage corporations.
Charisma Leasing Management provides an integrated,
modular and scalable solution, which covers the entire
asset-based financial institutions management, from
quotations, credit applications and its approval flow, scoring
engine (risk management), to contract signing and
alterations after signing and asset disposition.
Unrivaled business coverage
Charisma Leasing Management is an unparalleled market
leading solution, which leverages TotalSoft’s more than 10-
years experience in providing integrated software solutions
that meet best practice level in the finance and banking
sector.
Charisma ERP
Operational Leasing
Financial Leasing
Web Leasing
Insurance
Credit
Refinancing
Financial Wholesale
Factoring
Charisma
Analyzer
(BI)Charisma
Alerter
Reporting to
Credit Bureau
and
National Bank
Charisma
Collection
Fleet
Management
Charisma
Document
Management
Charisma
Cost
Control
Charisma
Workflows
CRM
Charisma
Self
Service
Charisma
HCM
Charisma Leasing Management
covers a wide range of leasing
products, from the simplest to
the most complex, by offering
different functions to manage
the business coherently and
efficiently.
Whether it’s dealing with different currencies,
miscellaneous financial products or lease agreements
(financial, operational), this end-to-end solution covers
customers, quotations, contracts, asset types, approval
flows, billing and collection, together with leasing
accounting and partner services.

5. There are so many
reasons for choosing
Charisma Leasing
Management powered
by TotalSoft
Increased revenues
Improved risk management
Reduced operational cost
Long-term relationship with partners
Streamline your collection efforts
The solution supports the company’s customers by facilitating the leasing and
insurance processes and by automating the approval flows. Thanks to reducing the
time spent on contract management, the number of signed contracts increases and
multiple offers can be customized according to your customer’s needs. Due to
advanced flexibility, localization and multi-currency functionalities, the solution allows
to easily localize the offers and financial contracts.
Thanks to the use of rules for the internal flows integrity and optimization, by using
Charisma Leasing Management each financial institution significantly minimizes the
operational and business risks. The solution provides quick and easy access to the
centralized base for data integrity and configurable processes for managing and
controlling the entire lease portfolio.
Charisma Leasing Management provides full traceability of actions and document
workflows, efficient customer and complete asset management, as well as
maintenance of all lifetime changes on the contracts history.
Thanks to the centralization and automation of the entire lease process, from
quotations and contracts approval to signing lease collaterals such as services or
insurances, the access to information becomes extremely easy, time consuming tasks
are minimized and ultimately the operational costs are significantly reduced.
Automated business flows, straightforward approval flows due to notifications or easy
management of documents are tools which reduce the labor efforts and optimize the
internal processes.
In a highly challenging and economic unstable environment, the financial institution
should focus on finding solutions that allow it to adapt its financial products easily,
decrease the default rate, increase customer retention and minimize operational costs.
Charisma Leasing Management provides advanced tools for satisfying your customer
needs through flexible credit programs, features and financing abilities (multiple pricing
plans, multicurrency, advance percentages, residual value, fixed or variable interest
type and applicability, commissions and fees, necessary documents, allowance and
seasonal periods etc) together with a unique and specialized self-service platform
which provides to customers, suppliers and dealers information of interest:
invoices/payments, permissions, documents, printing, debt payment or different
methods of notification (e-mail, SMS).
Being compatible with call-center applications for managing inbound calls or other
routine customer service calls, Charisma Leasing Management solution is natively
integrated with Charisma Collection, enabling the leasing company to minimize
collection efforts and increase the debt recovery ratio.

6. Main functionalities
of Charisma Leasing Management
Quotations and credit application approval flow
Designed for financial institutions to fully cover
customers and market needs,
Charisma Leasing
Management streamlines the
multiple quotations creation
and allows lease applications
validation – analysis/
approval/ rejection – based on
an advanced risk engine.
Charisma allows the
management of the most
financial products made for
sales channels and permits
working with Finance Facility
at clients or group of clients
level.
Contract life-time cycle and change management
Advanced configurability within business process and tools
Operational and administrative changes during an asset life-cycle are among
the highest costs of a financial institution. Streamlining and integrating the
internal processes, from risk analysis and different quotes generation, to
contract creation and financial conditions approval, Charisma Leasing
Management reduces administrative costs and time. A wide range of change
options are available for existing contracts, from using addenda for changing
the financial parameters, rescheduling the installments or residual value,
advanced payments, assignments, to multiple types of contract terminations.
In case of similar business conditions and terms between company and
customer, such as interest rate, percentage of the advance payment schedule
configuration, the lessee has the option of signing a frame contract, with the
possibility of adapting the financial products so as to easily meet his specific
needs.
The leasing solution is utilized in multiple complex environments and optimizes
business activities in multiple types of leasing companies across Europe.
Through localization and adaptability to any accounting and operational
requirement, Charisma Leasing Management enables leasing companies to
efficiently manage multiple agreements, parties, relationships, accounting
reporting, and to reduce operational complexity by using variable and easy to
configure payment schedules, multiple financial products, standard operational
flows or in-house customized business and workflows.
6 7

7. Flexible agreement parameterization
Charisma Leasing Management solution allows
companies to fully manage
their customers’ and
suppliers’ agreements. By
setting up master leasing and
services agreements, together
with suppliers’ contract
conditions, the company’s
operational employees can
easily prepare and print all
necessary documents for each
business situation.
Asset management
Efficient procurement process
For both financial and operational leasing, Charisma Leasing Management
includes customer portfolio and financed assets management, regardless of
their nature (vehicles, equipment, real estate, software) by efficiently
capturing and reporting specific information and properties for each asset or
asset category.
It enables complete asset handling, including all international requirements
with regard to accounting, cost calculation and depreciation methods.
Through eExpense Request Approval module, Charisma Leasing Management
decreases the company’s financial risk, provides user transparency controls
and reduces the operational and data migration costs, as well as the time
required to design the expense budgets.
By using expense budgets, order cards, approval flows for expense requests
and real-time checking of internal reserves, it also monitors the costs and
acquisition processes (RFP, RFQ, offer bids), increases the efficiency of the
offering and ordering process and improves the ability to capitalize on
company's opportunities.
Supplier Contract Management reduces time and financial effort 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.

8. Integrated partners services
Business collaterals
Complete and efficient collection process
Advanced tools for fleet monitoring
The solution responds transparently to customer and supplier requests for documents such as
invoices, contracts or other documents of interest. This way, costs are reduced and operational
resources can concentrate more on business critical tasks; the process is more efficient for both the
company and its business partners. Moreover, the solution provides features such as online secured
payments, e-mail or SMS notices and quick printing of documents.
Charisma is the perfect solution in managing and optimizing business relationships with customers
and suppliers, dealers or other partners involved in company’s business, through self-service and
shared services platforms.
Any leasing company should have a dedicated solution to control insurance policies in terms of
content, insurance terms, premiums, deductibles by type of risk, insurance conventions, periodicity
and payment schedules. Charisma Leasing Management features help decrease the expenses and
internal risks by managing the insurance policies, regardless of their type - asset, life, civil auto liability
and financial risk insurance. This solution automates insurances generation and the calculation of
values based on default insurance conventions with the insurance partners, also providing complete
traceability of assets by means of the financing contracts, by managing the insurance registries and
monthly accounting records.
The Refinancing module of Charisma Leasing Management efficiently tracks financing contracts
concluded with banking institutions or within the company group, by defining and maintaining the
financing lines and money withdrawals.
In addition, this complex solution provides benefits to the company through management of
insurance or refinancing contracts in different currencies, as well as the scheduling of the installment
payments by various criteria.
Charisma Collection brings the advantage of a complete, integrated software solution that manages
the collection of debts from customers, legal files resolution processes and repossession, as well as
any remarketing activity (reselling, renting and refinancing) of recovered assets. It perfectly covers all
areas specific to the debt collection process in multi-currency, multi-site, multi-location business
environments.
With the help of Charisma Collection, the financial services companies and the debt collection
agencies can manage the efforts of collecting debts in simple, but precise steps: they identify debtors,
create delinquency tickets, manage debtor accounts and track and complete the collection process.
Through Fleet Management module, the solution streamlines the company's vehicle park,
significantly reducing operating costs and ensuring its proper functioning. The module automates cost
calculation for drivers and work routes, optimizing fleet and significantly contributing to company's
profitability.
For operational leasing companies, this module represents the best tool for real time management
and control of a fleet.
The management of a company’s fleet must cover all aspects of vehicle life-cycle, from purchase,
profile creation, routes tracking, maintenance or assigned drivers, up to the removal from company’s
management. 8 9

9. Controlling features
Flexible accounting tool
Charisma Leasing Management is a powerful and complex tool for controlling the
cash inflows and outflows within organizations of any size or complexity, as a whole
or by divisions. Through cash-flow and budget management features, the solution is
able to accurately and correctly inform the company’s management to enable them
to maintain an optimal level of cash flow, along with defining, planning and enhanced
control of budgets through different periods of time. Controlling functionalities
provide a powerful tool to streamline company's financial management, by early
identification of opportunities to save money for future expenses.
The Business Intelligence solution dedicated to the financial banking sector -
Charisma Analyzer - supports the decision-making process, providing information and
statistics comparisons based on specific key financial indicators of the institution. The
solution maximizes the profit with the aid of a complete set of analysis tools
(scorecard, analytic grid, analytic chart, reports and configurable dashboards).
Together with the reporting tool about the company’s financial health, Charisma
Leasing Management also ensures the accuracy and validity of the data submitted to
the National Banks, as well as the periodical reporting of specific customer indicators
and active contracts in the portfolio.
Charisma Leasing Management conforms to IFRS, group and local tax regulation.
Multiple charts of accounts, simultaneous parallel accounting posting models and
valuation, together with multi-currency features allow leasing companies to define
and maintain currencies, exchange rates and conversions to calculate business
transactions in different currencies for a single portfolio.
The accounting engine is powerful and
configurable, ensuring the control and
support for any accounting requirement. It
is compliant with legal or financing
package, any reporting type of
customer debts and IFRS regulations,
and any language or business flow;
also, it includes residual value
calculation, revenue recognition,
automatic accounting notes
generation and end-of-month
revaluations.

10. References „Raiffeisen’s relationship with TotalSoft has already been employed for
several years and is marked by the implementation of Charisma in several
countries of the region. Our partnership is still evolving. Thus, in 2011 we
continued implementing the core-leasing system for other subsidiaries in
Slovakia and the Czech Republic. TotalSoft’s solution best suited our
business requirements, providing the right levels of development for each
branch in hand, as well as addressing differently matured markets and
leasing approaches of the targeted countries.
The complex experience acquired after 6 years of close cooperation and
confirmed by successfully completed implementations of Charisma prove
that Raiffeisen/TotalSoft is a strong partnership heading into the right
direction.”
“The scalability and flexibility of Charisma ERP to adapt to the specific
requirements of local markets and also the result of the implementation in
Romania (2008) led for the same software platform to be adopted also by
the subsidiaries in Bulgaria (2009) and Austria (2010).
The complex experience acquired after 3 years of close cooperation,
confirmed by 3 implementations successfully completed, makes us look
with confidence at the evolution of the partnership concluded with
TotalSoft.”
Michael Hackl
Managing Director
Georg Hansjürgens
Area Manager SEE

11. poza
Withover18yearsofexperience,TotalSoftis
the largest Romanian ERP provider,
according to the market research company
PAC. With 1,500 clients in the private and
public sector in 27 countries such as USA,
Germany, UK, Austria, Italy or France,
TotalSoft has an undeniable expertise in 9
verticals, focusing on retail and distribution,
agriculture, oil and gas, manufacturing,
financialservicesandhealthcare.
The company has its own suite of software
solutions, namely Charisma Business Suite,
to which renowned systems, such as
Charisma ERP, Charisma HCM or Charisma
MedicalSoftwarebelong.
TotalSoft is member of Global Finance
Group, one of the largest private investment
companies in South-Eastern Europe, with
offices in Athens, Bucharest, Sofia and
Belgrade. Global Finance manages funds
amounting to over EUR 850 million and has
carried out over 70 investments since its
foundingin1991.

12. ©TotalSoft2013
TotalSoft Headquarters
,Global City Business Park 10 Bucharest - Nord Street
th
Building O2, 8 Floor,
P: +4021 335 17 09
W: totalsoft.ro, charisma.ro, acollada.com
E: office@totalsoft.ro
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