Here's a presentation I found. Has some good information around statistics in Canada up to 2005. Presented Jan 19, 2005 at the Canadian Bank CEO Conference. The Enhance Profitability slide has some points that relate to personal finances too.
Continue to improve portfolio quality
Bill Cara's Rule #6
Be cautious in fast-growing, low-margin sectors
Bill Cara's Rule #9
Eliminate value destroyer accounts through pricing and credit limits
Get out while the going's good.
Reduce costs by improving operational processes.
You can always find a better deal, and ways to save time and money.
Continue to exploit key niches such as energy lending.
Control spending and keep looking for ways to reduce monthly fees for hydro, phone, banking, subscriptions, auto, home, etc.