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 expense ratio – general insurance

Total expenses (commission and direct operating expenses) expressed as a percentage of net insurance revenue

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

Transitional excess profit and loss (TEPL)

Includes a profit normalisation mechanism which caps industry and insurer profits in the New South Wales CTP scheme

Treasury shares

Ordinary shares of Suncorp Group Limited that are acquired by subsidiaries