FICO and NBKI Index Shows Russian Credit Delinquencies Rose for First Time in Three Years

MOSCOW—May 30, 2012—FICO (NYSE:FICO), the leading provider of analytics and decision management technology, and the National Bureau of Credit Histories (NBKI), Russia’s leading credit bureau, today released data showing that Russian consumers made more late payments during the first quarter of 2012. This marks the first decrease in the FICO^® Credit Health Index for Russia since mid-2009.

The FICO Credit Health Index measures the overall credit health of the country, based on the percentage of consumer loans and credit cards reported to NBKI that are delinquent by more than 60 days. Since October 2009, when this "bad rate" was 11,28 percent, the index steadily improved until January 2012, when just 7,05 percent of Russian credit accounts were delinquent. In the first quarter of 2012, the index dropped 2 points to 113, its lowest point in a year, representing a bad rate of 7,75 percent.

"While the index shows only a small increase in delinquency, the turnaround of a long-term positive trend needs to be taken seriously," said Evgeni Shtemanetyan, who directs FICO's operations in Russia. "NBKI and FICO are working with Russian lenders to ensure they can manage a rise in credit risk."

FICO and NBKI also studied the performance of eight regions in Russia separately. Each region shows a pattern similar to the overall trend, but some regions suffered a worse decline than others. For example, Dalnevostochnyi has had the biggest drop in its index, from 122 to 113, followed by Sibirskii, which fell from 118 to 114.

“These changes in the Credit Health Index show that lenders need to monitor their accounts and ensure they are measuring risk precisely,” said Alexander Vikulin, CEO of NBKI.

FICO and NBKI share this data with Russian lenders to improve their understanding of the market, and help them safely extend lending to Russian consumers. Russia is one of the fastest-growing credit markets, with the number of credit cards used by Russians rising by 26 percent in the first half of 2011.

Über FICO
FICO (NYSE:FICO), formerly known as Fair Isaac, 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 industry-leading solutions for measuring credit risk, 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. Learn more at www.fico.com. FICO: Make every decision count™.

For FICO news and media resources, visit www.fico.com/news.

Statement Concerning Forward-Looking Information
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, 2011, and its latest quarterly report for the three months ending March 31, 2012. 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.

FICO and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.