BOCOM Wins Innovation Award for Integrated Credit Decision Platform Powered by FICO Solutions

BEIJING, China —May 22, 2013 — FICO (NYSE:FICO), a leading predictive analytics and decision management software company, today announced that China’s Bank of Communication (BOCOM) received a 2013 IDC Financial Insights Innovation Award for “Excellence in Integrated Credit Portfolio Management” using FICO solutions. Technology consultants IDC Financial Insights, a unit of International Data Corp., announced the award at the Asian Financial Services Congress on March 1.

Prior to 2009, BOCOM’s Pacific Credit Card Center was reliant on manual processes and elementary risk management technology, like other major banks in China. With the goal to achieve consistent decision making across customers, faster loan processing and customer response time, and more importantly, sustainable and profitable portfolio growth, the bank needed technology that would enable consistent decisions throughout the credit lifecycle based on an integrated view of customers across products.

With FICO’s help, BOCOM implemented an integrated decision management platform that included FICO^® Capstone^® Decision Accelerator for originations and the FICO^® TRIAD^® Customer Manager solution. The bank also leveraged a connected decisions strategy in which FICO applications share a common platform, and decisions generated by each application are supported by customer data from the other.

The results were impressive. BOCOM has realized a nearly 40% increase in its card portfolio, significant decrease in customer complaints, and increase in income. By linking the initial credit line approval with credit line account management, the bank has seen more refined credit risk assessments, increased line utilization, a better customer experience and increased profitability overall.

"Thanks to this project, BOCOM is far ahead of our domestic competitors in having unified decision management," said Dr. Liu Xuanqing, director of the risk department, Pacific Credit Card Center. "We're doing a better job of managing risk, marketing, cross-selling, up-selling and customer satisfaction. FICO has been an excellent partner in transforming our business, combining extensive global experience with a rich understanding of the Chinese credit card environment."

“With China’s banks facing stricter regulatory provisions covering credit line management and capital allocation, we see growing demand for predictive analytics and decision management in the credit card market,” said John Chen, managing director for FICO in China. “BOCOM led the way and has justly been recognized for its innovation.”

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FICO (NYSE:FICO) delivers superior predictive analytics solutions that drive smarter decisions. The company’s groundbreaking use of mathematics to predict consumer behavior has transformed entire industries and revolutionized the way risk is managed and products are marketed. FICO’s innovative solutions include the FICO^® Score — the standard measure of consumer credit risk in the United States — along with industry-leading solutions for managing credit accounts, identifying and minimizing the impact of fraud, and customizing consumer offers with pinpoint accuracy. Most of the world’s top banks, as well as leading insurers, retailers, pharmaceutical companies and government agencies, rely on FICO solutions to accelerate growth, control risk, boost profits and meet regulatory and competitive demands. FICO also helps millions of individuals manage their personal credit health through www.myFICO.com.
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Except for historical information contained herein, the statements contained in this news release that relate to FICO or its business are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including the success of the Company's Decision Management strategy and reengineering plan, the maintenance of its existing relationships and ability to create new relationships with customers and key alliance partners, its ability to continue to develop new and enhanced products and services, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use of consumer credit and other data, the failure to realize the anticipated benefits of any acquisitions, continuing material adverse developments in global economic conditions, and other risks described from time to time in FICO's SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2012 and its last quarterly report on Form 10-Q for the period ended March 31, 2013. If any of these risks or uncertainties materializes, FICO's results could differ materially from its expectations. FICO disclaims any intent or obligation to update these forward-looking statements.

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