Case Study: Caixa Galicia achieves revenue growth and lower defaults with FICO TRIAD Customer Manager

Caixa Galicia increases revenue with streamlined customer lifecycle decisions

Caixa Galicia, the sixth-largest savings bank in Spain with €48.1B in assets and 891 branches, faced a competitive market and a difficult economy. Its legacy credit system only set consumer-loan limits and required manual decisions for other products, limiting the bank’s ability to assess holistic customer credit risk, speed profitable lending, run targeted marketing, and meet Basel II regulatory requirements—challenges compounded by expansion into new regions.

Implementing FICO TRIAD Customer Manager centralized client and account data, automated behavior scoring and credit-limit monitoring, and enabled champion/challenger testing for strategy optimization. As a result, Caixa Galicia increased its target client base for specified loans by 17% while maintaining response rates, grew deposits by 14.3%, raised net interest income by 8.2%, cut consumer-loan defaults to below 1%, and simplified Basel II compliance.

Caixa Galicia

Gonzalo Barrós

Director of Credit Risk Techniques and Procedures