About This Resource
A structured worksheet that guides teams through income line analysis, cost driver identification, benchmark comparison, and improvement initiative scoping. Produces a documented cost-to-income improvement plan.
When to Use
During annual financial planning or when the cost-to-income ratio is under pressure.
Audience
CFO, COO, Finance Lead, Strategy Lead
What You Bring
- Income lines
- Cost categories
- Current ratios
- Benchmark targets
What You Get
- Cost-to-income analysis
- Improvement initiative list
- Downloadable Word/PDF
Fill In the Worksheet
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Current Position
Establish the current cost-to-income baseline.
Income Analysis
Break down income by line and identify growth opportunities.
Cost Analysis
Break down costs by category and identify reduction opportunities.
Cost Reduction Initiatives
Define the initiatives that will reduce the cost base.
Income Growth Initiatives
Define the initiatives that will grow income.
Target State & Governance
Project the target CIR and agree governance.