Cash earnings

Net profit after tax adjusted for the amortisation of acquisition intangible assets, the profit or loss on divestments and their tax effect

Cash earnings per share

Basic: cash earnings divided by the weighted average number of ordinary shares (net of treasury shares) outstanding during the period. Diluted: cash earnings adjusted for consequential changes in income or expenses associated with the dilutive potential ordinary shares divided by the weighted average number of diluted shares (net of treasury shares) outstanding during the period

Cash return on average shareholders' equity

Cash earnings divided by average equity attributable to owners of the Company. Averages are based on monthly balances over the period. The ratio is annualised for half years

Cash return on average shareholders' equity pre-goodwill

Cash earnings divided by average equity attributable to owners of the Company less goodwill. Averages are based on monthly balances over the period. The ratio is annualised for half years

Claims Handling Expenses (CHE)

Costs incurred in the investigation, assessment and settlement of a claim

Combined operating ratio

The percentage of net earned premium that is used to meet the costs of all claims incurred plus pay the costs of acquiring (including commission), writing and servicing the General Insurance business

Commercial Insurance

Commercial products consist of commercial motor insurance, commercial property insurance, marine insurance, industrial special risk insurance, and public liability and professional indemnity insurance

Common Equity Tier 1 (CET1)

Common Equity Tier 1 Capital comprises accounting equity plus adjustments for intangible assets and regulatory reserves

Common Equity Tier 1 Ratio

Common Equity Tier 1 divided by the Prescribed Capital Amount for Life and General Insurance, or total risk-weighted assets for the Bank

Connected customers

A customer is considered to be connected if they have two or more needs met across the need categories of Home, Self, Mobility and Money, or if they hold four or more Suncorp products in a single need

Consumer Insurance

Consumer Insurance products consist of home and contents insurance, motor insurance, boat insurance, and travel insurance

Cost to income ratio

Operating expenses of the Banking business divided by total income from Banking activities

Credit risk-weighted assets

Total of the carrying value of each asset class multiplied by their assigned risk weighting, as defined by APRA