FICO Supports China CITIC Bank in Developing China Credit Card Market

BEIJING—April 25, 2011—FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced that China CITIC Bank, China’s seventh-largest lender in terms of total assets, has implemented FICO™ TRIAD^® Customer Manager Solution for its growing Credit Card Center.

China CITIC Bank is the first Chinese bank to use TRIAD Customer Manager Solution on a Unix platform to manage a large volume of credit cards. FICO TRIAD Customer Manager Solution will help enhance China CITIC Bank's strategic and operational advantages in the Chinese banking industry by improving risk management, and effectively implementing quantitative data-based business strategies.

FICO TRIAD Customer Manager Solution is the world's leading account management solution, managing 65 percent of the world's card accounts and powering more than 50 billion decisions a year. More than 300 lenders in 40 countries, including 95 percent of the top 50 credit card lenders, use TRIAD to win competitive advantage. Typical results 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.

China CITIC Bank has achieved rapid growth in the Chinese credit card market, having issued more than 10 million credit cards through year 2010, the second joint stock commercial bank to reach this level of consumer credit issuance. CITIC decided to upgrade its business model and automation on its data processing and account management systems to maintain its leading position in an environment of intense market competition, as well as satisfy growing customer demand for credit cards.

"With its industry-leading technology and experience in decision management, FICO offered us the optimized solution to meet our needs," said Yang Huahui, the executive vice president of China CITIC Bank Credit Card Center. "CITIC has always focused on the development of the domestic credit card market and identifies it as one of the key markets for the company to develop further. We value partners like FICO that have extensive industry experience and leading technology to support our efforts to grow the credit card business, enhance our competitiveness, and achieve between customer satisfaction and risk management."

Mr. Cliff Wu, president of FICO Greater China, stated, "It has been a privilege for FICO to work with CITIC on the implementation of our FICO TRIAD Customer Manager solution. TRIAD's advanced analytics, sophisticated strategy consulting and strategy design tools will play an important part in helping CITIC to reduce expenses, improve its customer experience and spur fast, smart and profitable growth."

Mr. Wu added, "In the past decade, China has experienced an unmistakable credit boom, with a 200 times increase in consumer borrowing. With that growth comes tremendous opportunity; but with that growth can also come considerable risk. FICO is working with 10 of the top banks in China to improve their lending decisions so they can establish the right credit terms at the start, adjust throughout the life of the loan, and grow profitably."

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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, 2010. 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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