Impairment losses to gross loans and advances

Impairment losses on loans and advances divided by gross loans and advances. The ratio is annualised for half years

Insurance (Australia) function

Suncorp's Insurance (Australia) business provides consumer, commercial and personal injury products to the Australian market. Consumer insurance products include home and contents insurance, motor insurance and travel insurance. Commercial insurance products include commercial motor insurance, commercial property insurance, industrial special risk insurance, public liability and professional indemnity insurance. Personal injury insurance products includes CTP insurance and workers' compensation insurance

Insurance funds

Insurance funds explicitly back insurance liabilities. They are designed to match the insurance liabilities and are managed separately from shareholders' funds

Insurance Trading Ratio (ITR)

The insurance trading result expressed as a percentage of net earned premium

Insurance Trading Result

Underwriting result plus investment income on assets backing technical reserves