The Saudi British Bank Adopts Fair Isaac's Global FICO® Score for Faster, Sharper Credit Decisions

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(Minneapolis, Minnesota, USA) - Fair Isaac Corporation (NYSE:FIC), the leading provider of analytics and decision management technology, today announced that The Saudi British Bank (SABB), an associated company of HSBC Group, has implemented Global FICO® score to enhance its decision-making process throughout the customer credit lifecycle.

Global FICO® score applies Fair Isaac's industry-standard FICO® credit risk scoring technology to rank-order consumers according to their credit risk. Designed to be consistently scaled across credit bureaus and across national borders, Global FICO® score has established a global standard for consumer credit risk assessment. The Fair Isaac technology underlying the Global FICO® scoring model enables rapid deployment in any country with credit bureau data.

"Credit bureau data is now readily available in Saudi Arabia," said Narayanan P. R., Senior Manager, Retail Risk of The Saudi British Bank. "To derive full value from that data in our daily operations, we need a robust credit bureau risk score. We are excited about using Fair Isaac's Global FICO® score to gain a more detailed view of our clients' credit profiles and make the most effective decisions."

"The Saudi British Bank has brought to its operations the same advanced analytic technology that has long fueled the U.S. credit industry," said Ron Totaro, general manager of Global Scoring Solutions for Fair Isaac. "As the best tool in its class, Global FICO® score will help SABB to expand its portfolios while still controlling and monitoring its risk. And as the bank grows its markets, Fair Isaac will make sure its Global FICO® scores are consistently scaled across credit bureaus and across national borders for seamless risk management."

PIC Solutions, the Fair Isaac alliance partner for the Middle East Africa region, implemented the new scoring solution for The Saudi British Bank.

In addition to Saudi Arabia, Global FICO® score is currently live or is being implemented in Turkey, Poland, Sweden, Ireland, Panama, Jamaica, Mexico, Singapore, South Korea, Taiwan and Thailand, and is currently being evaluated in other countries by a growing number of institutions. Global FICO score is available to lenders and credit bureaus in any country where robust credit bureau data is available, except in the United States, Canada, United Kingdom and South Africa, where Fair Isaac credit scores are already available.

About Fair Isaac
Fair Isaac Corporation (NYSE:FIC) makes decisions smarter. The company's solutions and technologies for Enterprise Decision Management give businesses the power to automate more processes, and apply more intelligence to every customer interaction. Through increasing the precision, consistency and agility of their decisions, Fair Isaac clients worldwide increase sales, build customer value, cut fraud losses, manage credit risk, reduce operational costs, meet changing compliance demands and enter new markets more profitably. Founded in 1956, Fair Isaac powers hundreds of billions of decisions per year in financial services, insurance, telecommunications, retail, consumer branded goods, healthcare and the public sector.

About SABB
SABB is an associate Company of the HSBC Group, one of the world's largest banking and financial services organisations with more than 9,800 offices in 77 countries and territories across Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. This association means that SABB customers not only have access to our own market-leading services and customer care, but can also tap into the HSBC Group's global network, resources, skills, specialist knowledge and expertise. SABB operates through a network of 73 branches, including 12 exclusive Ladies' branches, with a team of 2251 employees, of whom 83% are Saudi nationals. Our range of banking services includes Personal, Commercial, Corporate, Private and Islamic Banking; Investment, Treasury and Trade Services, and Credit and ATM Cards that are welcomed in more than 18 million commercial outlets within the Kingdom of Saudi Arabia and around the world.

Fair Isaac Statement Concerning Forward-Looking Information
Except for historical information contained herein, the statements contained in this press release that relate to Fair Isaac, including statements regarding its Global FICO® score, and the relationship described herein, and the benefits to be derived from the offering, 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 any unforseen technical difficulties related to the implementation, use and functionality of the offering, the risks that customers will not perceive material benefits from the offering, failure of the product to deliver the expected results, the possibility of errors or defects in the offering, regulatory changes applicable to the use of consumer credit and other data, and other risks described from time to time in Fair Isaac's SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2005, and quarterly report on Form 10-Q for the period ended June 30, 2006. Forward-looking statements should be considered with caution. If any of these risks or uncertainties materializes or any of these assumptions proves incorrect, Fair Isaac's results could differ materially from Fair Isaac's expectations in these statements. Fair Isaac disclaims any intent or obligation to update these forward-looking statements.

Media contacts


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