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