Deutsche Bank Taps Fair Isaac Technology to Create Enterprise-Wide Credit Decisioning and Risk Monitoring Tool

Blaze Decision System Enables Consistent Decisions in Support of Basel II Compliance

SAN RAFAEL, Calif., Aug. 27, 2003 -- Fair Isaac Corporation (NYSE: FIC), the leading provider of analytics and decision technology, announced today that Deutsche Bank has utilized Fair Isaac Blaze Decision System software to build an enterprise-wide credit decisioning and risk monitoring solution. The leading German bank will begin immediate rollout of the solution following the successful completion of a pilot program, in which Fair Isaac's decision engine technology enabled a high degree of automation, improved risk management and preparation for compliance with the New Basel Accord (Basel II) requirements across all products and business segments.

As a key component of the Fair Isaac Business Science suite of powerful enterprise decision management tools, Blaze Decision System defines and executes business rules and analytic-driven strategies. Deutsche Bank chose Fair Isaac's decision engine technology for its ability to build, automate and improve high-volume and complex decision processes across an enterprise and its support for large-scale production systems in a wide range of computing environments.

"Fair Isaac's Blaze Decision System allowed us to leverage existing investments in infrastructure and technology to create a central risk management solution which supports fast, consistent and reliable credit decisions across the entire enterprise," said Denis Hall, Chief Credit Officer, Private and Business Clients, Deutsche Bank. "The tool's flexibility and features made it easy for us to automate and improve our risk management decisions and ensure consistent customer treatment at all customer touch points. In addition, we expect it to play an important role as we continue to meet and exceed the Basel Accord's mandates in our lending activities across our European operations."

Utilizing Blaze Decision System in the pilot program, Deutsche Bank was able to achieve lower operating costs and reduced losses. Deutsche Bank also implemented complex equations to determine capital reserve requirements. The ease of implementing these capital reserve calculations across the enterprise is expected to help the firm reach Basel II compliance. The lender plans to implement the solution throughout its European branches and credit service centers.

Regulatory compliance consulting is an anticipated area of rapid growth for Fair Isaac. Basel II, developed to enhance the stability of global financial systems, redefines the methodology institutions use for calculating capital reserves, making these calculations more sensitive to risk. Firms like Deutsche Bank are actively preparing now for the Accord's December 31, 2006 implementation deadline. Companies that most effectively monitor, scrutinize and mitigate portfolio credit, operational and market risk will receive the greatest rewards. The implementation of best practice credit and operational risk management techniques will play a key role in helping lenders achieve competitive advantages in capital calculations and requirements.

"Because of our deep and longstanding experience in helping financial services institutions implement advanced risk management operations, Fair Isaac is uniquely positioned to help lenders turn Basel II compliance into opportunity," said Andrew Jennnings, vice president of Global Account Management Solutions at Fair Isaac. "By enabling the smarter use of data, business analytics and decision automation, Blaze Decision System not only helps Deutsche Bank continue to meet its portfolio growth goals without exposing its operations to needless risk, but also assists in complying with new Accord requirements."

In addition to Deutsche Bank, Fair Isaac is currently working with several leading banks in Europe to help them meet their compliance goals by deploying the company's advanced analytic technologies and services.

About Deutsche Bank

With roughly EUR 802 billion in assets and approximately 70,900 employees, Deutsche Bank offers its 13 million clients unparalleled financial services in 76 countries throughout the world. The Bank aspires to be a leading global provider of integrated financial solutions for demanding clients and the pre-eminent bank in Germany generating exceptional value for its shareholders and people.

Deutsche Bank ranks among the global leaders in corporate banking and securities, transaction banking, asset management, and private wealth management, and has a significant private and business banking franchise in Germany and other selected countries in Continental Europe. For more information, visit www.deutsche-bank.com

About Fair Isaac

Fair Isaac Corporation (NYSE:FIC) is the preeminent provider of creative analytics that unlock value for people, businesses and industries. The company's predictive modeling, decision analysis, intelligence management, decision management systems and consulting services power more than 25 billion mission-critical customer decisions a year. Founded in 1956, Fair Isaac helps thousands of companies in over 60 countries acquire customers more efficiently, increase customer value, reduce fraud and credit losses, lower operating expenses and enter new markets more profitably. Most leading banks and credit card issuers rely on Fair Isaac solutions, as do insurers, retailers, telecommunications providers, healthcare organizations and government agencies. Through the www.myFICO.com Web site, consumers use the company's FICO(R) scores, the standard measure of credit risk, to manage their financial health. For more information, visit www.fairisaac.com.

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 Blaze Decision System software offering, and the benefits to be derived from this 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 unforeseen 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, the company's ability to recruit and retain key technical and managerial personnel, the maintenance of its existing relationships with key alliance partners, 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, 2002, and Form 10-Q for the period ended June 30, 2003. 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.

Fair Isaac and FICO are trademarks or registered trademarks of Fair Isaac Corporation, in the United States and/or in other countries. Other product and company names herein may be the trademarks of their respective owners.

  
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