China Everbright Bank Selects FICO Customer Management Solution to Maximize Revenues and Minimize Losses

SINGAPORE—June 21 2011—FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced that China Everbright Bank has chosen FICO^® TRIAD^® Customer Manager as the customer management system for its credit card operations. China Everbright Bank is implementing TRIAD and related business strategies in an effort to identify good prospects for cross-selling and improve responsiveness to cardholders, thereby increasing customer satisfaction.

FICO TRIAD Customer Manager enables users to design and implement credit decision and customer treatment strategies to improve portfolio performance by increasing revenue and reducing delinquencies. It is the number one credit account management system in the world, with 65 percent of the world's credit cards managed using FICO adaptive control systems. The Beijing-based bank reviewed the competitive offerings available and concluded that FICO's solution was better able to deliver improved risk management and profitability.

“FICO demonstrated exceptional expertise in account management, depth of knowledge in the bank card space and understood our needs better than other organizations,” said Yang Hua, Credit Card Center Project Manager for China Everbright Bank. “As we seek to increase customer satisfaction with more targeted offers, smarter lending decisions and timely customer responses, we felt safe going with the leading solution in the category.”
Launched in 1992, China Everbright Bank has operations in 45 mainland cities as well as a representative office in Hong Kong. China Everbright Bank has grown to its position as one of the top 10 banks in China. The bank had issued 8,58 million credit cards by the end of 2010, with 34 percent growth rate compared with 2009.

Though FICO has previously worked with the bank on risk management projects, the TRIAD projects marks FICO’s first engagement with the bank’s credit card operation.

“As the pace of credit card growth moderates in China from the boom of the past decade, lenders are now focused on how to manage their card portfolios for maximum profitability, quality and customer loyalty,” said Cliff Wu, president of FICO Greater China. “This marks three of China’s top banks who have signed on for FICO^® TRIAD^® Customer Manager, and we expect further momentum.”

Typical client results with FICO TRIAD Customer Manager include up to a 30 percent increase in revenues, up to a 25 percent decrease in delinquencies and up to a 25 percent increase in interest income.

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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. FICO: Make every decision count™.

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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, 2010 and its last quarterly report on Form 10-Q for the period ended March 31, 2011. 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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