FICO™ Basel II Analytic Services
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FICO® Basel II Analytic Services

FICO offers banks at all stages of adopting the Basel II Internal Rating Based (IRB) system the advantages of superior analytics, proven methodologies, and unmatched experience at measuring and predicting risk in retail portfolios. Achieve compliance faster—and with a partner by your side—then turn compliance into competitive advantage by leveraging Basel II metrics to make better decisions across your operations.
Key Benefits
  • Take a faster, surer path to compliance
    If you are beginning the IRB process or working toward approval, FICO can help you avoid pitfalls, overcome data availability and quality issues, quickly build and implement highly accurate predictive models, and adhere to rigorous documentation and disclosure requirements.
  • Build value and competitive advantage on your Basel II foundation
    If you have attained or are nearing approval, FICO can help you create more value by building unique analytic innovations on top of industry-standard measures. We can work with you to inject sharper risk forecasting—with corresponding reward metrics—into credit approval processes, portfolio credit quality reporting, risk management governance, capital allocation/optimization, and product pricing and development.
Feature Highlights
  • Streamlines IRB implementation 
    FICO provides efficient, well-proven methodologies, modeling and best practices at every stage, from initial data assessment through use and stress testing.
  • Provides superior analytics and operational decisioning
    No company knows as much about building predictive models and using them to drive day-to-day customer decisions in financial services.
  • Targets regulatory requirements and unique business needs
    FICO helps you meet the letter of the law while accommodating your institution's own portfolio characteristics and approach to risk management.
  • Offers flexible engagement styles
    We can work with you throughout the entire IRB process or add value at specific points. We can also collaborate with your in-house modeling team or add analytics expertise for solving particularly complex problems.
  • Leverages ongoing research and development 
    FICO is working on ways to drive improvements to Risk-Adjusted Return on Capital (RAROC) through account-level decisions. We also have efforts underway to improve the ability of Executive Committees to perform risk-adjusted strategic portfolio management, and to tighten the links between strategic direction and line-of-business strategies and execution.
Related Services

Middle Eastern bank on a fast track to IRB

A premier Middle Eastern financial services provider began its Basel II initiative in 2007, with the goal of achieving an IRB parallel run by January 2009. FICO Basel II Analytic Services has helped the company stay on this tight schedule, despite obstacles such as small portfolios with low numbers of defaults and historical data affected by different bank policies. Working collaboratively with the bank's staff, FICO built PD, EAD and LGD models, and aligned them across three retail portfolios, in just nine months. The team is now linking risk forecasts to operational policies in preparation for the Use Test. Despite the rapid pace, bank management feels the company is receiving a "Rolls Royce solution"—superior quality with a custom fit.


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Speak with a FICO representative about our solutions and your business needs by calling us:

US (toll free): +1 888 342 6336
International: +44 (0) 207 940 8718

Or email us using the form on this page. We look forward to speaking with you.
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