Top-line growth

Top-line growth is derived from a weighted-average calculation of underlying year-on-year growth in Suncorp Group’s key business segments. Top-line growth percentage is calculated as growth in general insurance gross written premium (65% weighting), growth in retail and business lending assets (weighting 25%) and growth in life insurance in-force premium (10% weighting)

Total capital ratio

Total capital divided by the Prescribed Capital Amount for Life and General Insurance, or total risk-weighted assets for the Bank, as defined by APRA

Total operating expense ratio – general insurance

Total operating expenses (acquisition and other underwriting expenses) expressed as a percentage of net earned premium

Total risk-weighted assets

Bank credit risk-weighted assets, off-balance sheet positions and market risk capital charge and operational risk charge, as defined by APRA

Treasury shares

Ordinary shares of Suncorp Group Limited that are acquired by subsidiaries