SUNCORP GROUP LIMITED — Audit Report / Information 2009

Aug 24, 2009

SUNCORP-METWAY LTD

APS 330 DISCLOSURE : TABLE 15 CAPITAL STRUCTURE 30 JUNE 2009

	30-Jun-09 $m
Tier 1 Ordinary share capital Retained profits Preference shares Less goodwill, brands Less software assets Less other intangible assets Less deferred tax asset Less other required deductions Less tier 1 deductions for investments in subsidiaries, capital support Total tier 1 capital Tier 2 APRA general reserves for credit losses Asset Revaluation Reserve Subordinated notes Less tier 2 deductions for investments in subsidiaries, capital support Total tier 2 capital Total capital base	12,584 859 879 (7,818) (66) (118) (186) (1) (1,424)
	4,709 392 3 1,636 (1,424)
	607
	5,316

SUNCORP-METWAY LTD

APS 330 DISCLOSURE : TABLE 16 CAPITAL ADEQUACY 30 JUNE 2009

	Risk Weighted Balance 30-Jun-09 $m 23 3 639 120 9,896 2,213 1,288 21,570 294
On-Balance Sheet Risk Weighted Assets Cash items Claims on Australian and foreign governments Claims on central banks, international banking agencies, regional development banks, ADIs and overseas banks Claims on securitisation exposures Claims secured against eligible residential mortgages Past due claims Other retail assets Corporate Other assets and claims Total Banking assets Off balance sheet positions Guarantees entered into in the normal course of Business Commitments to provide loans and advances Capital commitments Foreign exchange contracts Interest rate contracts Securitisation exposures Total off balance sheet positions Total Credit Risk capital charge Market risk capital charge Operational risk capital charge Total risk weighted assets Risk weighted capital ratios Tier 1 Total risk weighted capital ratios
	36,046 190 1,400 45 154 129 284 2,202 38,248 499 2,879 41,626 % 11.31% 12.77%

SUNCORP-METWAY LTD

APS 330 DISCLOSURE : TABLE 17 CREDIT RISK 30 JUNE 2009

Table 17A: CREDIT RISK BY GROSS CREDIT EXPOSURE - OUTSTANDING AS AT 30 JUN 09

30-Jun-09	Receivables due from other banks Trading securities Investment securities Loans, advances and other receivables Credit commitments Derivative instruments $m $m $m $m $m $m	Total Credit Risk $m	Impaired assets Past Due not Impaired < 90days Past Due not Impaired > 90days Total not past due or impaired Specific Provisions $m $m $m $m
Agribusiness Construction and development Financial services Hospitality Manufacturing Professional services Property investment Real estate - Mortgage Personal Government and public authorities Other commercial and industrial Total gross credit risk Eligible securitised loans Total including eligible securitised loans Impairment provision TOTAL	- - 3,535 18 - - - 6,576 266 - 118 6,694 3,932 2,078 204 1,060 - - 1,742 - - - - 904 - - - - 654 - - - - 7,423 - - - - 23,695 1,054 - - - 610 - - - - 9 - - - - 3,383 772 -	3,553 6,842 14,086 1,742 904 654 7,423 24,749 610 9 4,155	74 13 36 3,430 14 804 292 150 5,596 224 - - 1 14,085 - 75 53 27 1,587 14 20 12 3 869 8 144 11 4 495 115 269 18 22 7,114 69 31 990 158 23,570 8 - 20 5 585 - - - - 9 - 57 78 43 3,977 25
	118 6,694 3,932 50,609 2,314 1,060 - - - 4,769 - -	64,727 4,769	1,474 1,487 449 61,317 477 4,769
	118 6,694 3,932 55,378 2,314 1,060	69,496 (759)	1,474 1,487 449 66,086 477 (477) - (207) (75)
		68,737	997 1,487 242 66,011 477

Table 17A: CREDIT RISK BY GROSS CREDIT EXPOSURE - AVERAGE GROSS EXPOSURE OVER PERIOD - 01 MAR 09 to 30 JUN 09

30-Jun-09	Receivables due from other banks Trading securities Investment securities Loans, advances and other receivables Credit commitments Derivative instruments $m $m $m $m $m $m	Total Credit Risk $m	Impaired assets Past Due not Impaired < 90days Past Due not Impaired > 90days Total not past due or impaired Specific Provisions $m $m $m $m
Agribusiness Construction and development Financial services Hospitality Manufacturing Professional services Property investment Real estate - Mortgage Personal Government and public authorities Other commercial and industrial Total gross credit risk Eligible securitised loans Total including eligible securitised loans Collective Impairment provision TOTAL	- - - 3,813 17 - - - - 6,585 334 - 106 7,431 3,549 2,068 205 1,114 - - - 1,733 - - - - - 928 - - - - - 688 - - - - - 7,478 - - - - - 23,371 1,036 - - - - 640 - - - - - 9 - - - - - 3,299 876 -	3,829 6,918 14,471 1,733 928 688 7,478 24,407 640 9 4,175	59 20 41 3,709 9 727 213 138 5,841 175 - 1 1 14,470 - 63 33 38 1,600 10 26 9 2 892 8 144 9 4 532 99 262 13 24 7,180 58 28 1,031 168 23,181 10 - 21 6 613 - - - - 9 - 50 81 46 3,999 19
	106 7,431 3,549 50,609 2,467 1,114 - - - 5,010 - -	65,275 5,010	1,358 1,430 466 62,023 389 5,010
	106 7,431 3,549 55,619 2,467 1,114	70,285 (673)	1,358 1,430 466 67,032 389 (389) - (209) (75)
		69,612	969 1,430 362 66,852 389

0

Table 17B: CREDIT RISK BY PORTFOLIO

30-Jun-09	Gross Credit Risk Exposure Average Gross Exposure Impaired assets Past Due not Impaired < 90days Past Due not Impaired > 90days Specific Provisions Charges for Specific Provisions & Write-offs $m $m $m $m $m $m
Claims secured against eligible residential mortgages Other retail Financial services Government and public authorities Corporate and other claims	24,749 24,407 31 990 158 8 3 610 640 - 20 5 - 5 14,086 14,471 - - 1 - - 9 9 - - - - - 25,273 25,749 1,443 477 285 469 195
Total	64,727 65,275 1,474 1,487 449 477 203

Table 17C: GENERAL RESERVES FOR CREDIT LOSSES

General Reserve for Credit losses

30-Jun-09 $m General Reserve for Credit losses 392