Most bank cost programmes announce a number and then hand the finding of it to the same structures that produced the cost. The savings arrive on paper, the work moves sideways, and within a few years the ratio is back where it started.
Where we work
We work with retail and commercial banks on the engine of the franchise — mortgages, deposits and payments; branch and broker distribution; SME and business lending and transaction banking.
- Cost-to-income diagnosis and an honest baseline — what the bank actually spends to serve
- Front-to-back process redesign, from application through to fulfilment
- Distribution productivity across branch, proprietary and broker channels
- Revenue per customer — pricing, retention and the products customers actually use
- Benefits that survive — targets owned by line executives, not by the programme
What we bring
This practice is founder-led. Our founding partner has run the businesses this work changes: home loan distribution at Australia's largest bank, with accountability for more than US$50 billion in annual sales across proprietary and broker channels, and before that strategy, customer experience and a mortgage business he grew from $19.0 billion to $38.8 billion at a retail bank. The recommendations come from someone who has carried the targets, not modelled them.