Case Study: TBC Bank cuts loan decision time to under 15 minutes and boosts profits 15% with FICO Origination Manager

TBC Bank Streamlines Processes, Boosts Sales and Increases Profits with FICO®

TBC Bank, one of Georgia’s largest banks serving about 1.6 million accounts and nearly $2 billion in loans in 2015, needed to replace an outdated loan origination system to automate workflows, make better use of data, reduce risk, and boost customer sales and satisfaction.

TBC deployed FICO Origination Manager, a modular, service‑oriented solution with predictive analytics; within two months some loan decisions fell from more than a day to under 15 minutes and overall origination processing time dropped ~70%. Upsell and cross‑sell acceptances rose 20%, loan profits are projected to increase 15%, and bad‑debt exposure is expected to fall about 10%, while business users can configure the system without heavy IT involvement.

TBC Bank

Giorgi Alibegashvili

Strategic Project Manager