SD

Sander den Hartog

CEO & Owner, Cost & Profitability Management

Experience 20 Years in cost & profitability modeling
Expertise
Budgeting and ForecastingCost AllocationCost OptimizationFinancial ServicesGovernment & Public SectorIT Financial ManagementProfitability ManagementRegulatory ReportingTelecom
Education & Accreditations
MSc Econometrics University of Groningen
About the author

Sander den Hartog is CEO and Owner of CostPerform, with over 20 years of experience in cost management, profitability analysis, and financial consulting. Before joining CostPerform in 2018, he held senior roles at KPMG Advisory and KPMG Plexus, where he led cost and performance management engagements across financial services and healthcare. He works directly with finance leaders across banking, government, telecom, and manufacturing.

He regularly speaks at industry events, hosts the annual Costing Conference and webinars on cost management and profitability with senior finance practitioners from organizations including ING and Nedbank. He has also published on Activity-Based Costing and cost management methodology in Controllers Magazine.

in linkedin.com/in/sander-d-hartog @ sander@costperform.com ☎ +31653316205
Beyond CostPerform

Featured & cited in

Cost Transparency for Banks: How to See, Decide & Act With Clarity

A webinar with Nedbank on building cost models banks can defend.

Watch the webinar →
IT Costs for Banking: How ING approaches IT cost optimization

Interview-style webinar with ING executives on IT cost allocation in banking.

Watch the webinar →
Running Government as a Business: Cost Transparency for State and Federal Agencies

Expert dialogue with costing expert Lim Vermeer on cost transparency for federal agencies.

Watch the webinar →
Gartner Finance Symposium/Xpo 2026

Speaker: "From Cost Transparency to Great Decisions: Lessons from Regions Bank".

Read the Feature →
View all webinars

Articles by Sander den Hartog

Cost allocation, profitability, and cost transparency written for finance leaders.
COST ALLOCATION FOR FINANCIAL SERVICES

8 Steps to Build a Bank Profitability Model That Works

With 8 clear steps you too can design your profitability model! This not just applies to banks but also to other organizations.

3 min read · Aug 12, 2025
COST ALLOCATION FOR FINANCIAL SERVICES

Understanding the Impact of Operational Costs vs. Other Banking Costs on Profitability

Learn the distinction between operational costs and other banking costs in the context of banking

3 min read · Jun 12, 2024
COST ALLOCATION FOR FINANCIAL SERVICES

The Strategic Evolution of Banking: Balancing Branch-Based and Digital Models in the US and EU

In Europe, as well as the United States, the industry has evolved significantly

4 min read · Jun 11, 2024
COST ALLOCATION FOR FINANCIAL SERVICES

Navigating Financial Challenges with Advanced Banking Profitability Models

Advanced models like Cost Allocation are critical in 21st century banking .

3 min read · Jun 10, 2024
COST ALLOCATION FOR FINANCIAL SERVICES

Unlocking Profitability: A Deep Dive into Cost and Performance Management in Finance

Cost management might be the missing secret in your profitability challenges. See how it can drive management decisions.

3 min read · Jun 7, 2024
COST ALLOCATION FUNDAMENTALS

Avoiding Common Pitfalls in Allocating Shared Service Center Costs

Learning to correctly allocate your costs lays the foundation for healthy operations.

3 min read · Jun 6, 2024
CASE STUDIES

The Symbiotic Relationship Between Financial and Management Accounting: A Case Study on USPTO

Financial and management accounting often seem isolated. We explore their collaborative potential in cost modeling and decision-making.

4 min read · Jun 6, 2024
COST ALLOCATION FOR FINANCIAL SERVICES

Uncover the Hidden Costs of AI: A Bank’s Journey

Learn how a bank uncovers the hidden costs of AI, using advanced cost calculation techniques to prevent overruns and ensure successful AI implementation.

8 min read · May 30, 2024
COST ALLOCATION FOR FINANCIAL SERVICES

How Banks Navigate the Complex Landscape of Cost Management

In the banking industry, understanding the profitability of banks is not as straightforward as it is in manufacturing.

3 min read · May 30, 2024
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