Case Study: Česká Spořitelna achieves a 26% portfolio profit increase and 29% more new sales with FICO Decision Management Suite

Leading Czech bank optimizes pricing, boosts portfolio profit by 26%

Česká Spořitelna, the largest bank in the Czech Republic (part of the Erste Bank group), faced aggressive competitor pricing that was cutting into market share. The bank’s challenge was to optimize pre‑approved cash‑loan offers so it could regain competitiveness without eroding loan profitability.

Using the FICO Decision Management Suite (Decision Optimizer and Xpress Optimization), Česká Spořitelna developed an iteration algorithm and a sophisticated amount take‑up model to set individualized offer prices and credit limits, then moved to real‑time optimization for origination decisions. The strategy increased absolute portfolio profit by 26% and new sales by 29%, with projected annual gains of $16M in portfolio profit and $41M in new sales, and won a 2015 FICO Decision Management Award.

Ceska Sporitelna

Zuzana Sloukova

Retail Risk