SUNCORP GROUP LIMITED - Interim / Quarterly Report 2013

ASX announcement

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24 April 2013

SUNCORP BANK APS330 REPORT AND NATURAL HAZARD UPDATE

Key Points – APS330

Core Bank total lending increased 2% over the quarter to $46.7 billion
Core Bank impairment losses were $18 million for the quarter
Core Bank gross impaired assets remained relatively flat at $221 million
Non-core portfolio reduced $0.4 billion to under $3 billion
Non-core impairment losses were $58 million for the quarter
No new impairments in the Non-Core portfolio
Non-core gross impaired loans reduced by $229 million for the quarter to $1.4 billion

Suncorp Bank today provided an update on assets, credit quality and capital as at 31 March 2013 as required under Australian Prudential Standard 330.

Momentum in home and business lending growth was maintained despite subdued economic conditions and lower system growth levels.

Suncorp Bank CEO David Foster said the Core Bank continued to deliver positive lending growth in the third quarter with home lending up 1.9% and business lending up 2.8%. Business lending trends were driven by steady growth in both the commercial and agribusiness segments as the Bank continued to expand its brand presence.

“The Bank’s lending growth is underpinned by access to a range of stable retail and wholesale funding markets. Over 95% of the lending portfolio is funded by customer deposits and long term wholesale funding, with limited reliance on short term funding,” he said.

The Bank has maintained momentum in growing the number of transaction accounts and increasing complete customer penetration.

The Non-core portfolio reduced by $0.4 billion in the quarter. The outstanding balance at 31 March 2013 was less than $3 billion. There are now 25 loans with balances above $50 million.

Mr Foster said the pace of run off continued to track ahead of original expectations, with the portfolio approximately 17% of its original size and representing just 6% of the Bank's total lending assets.

“We expect the Non-core portfolio to reduce to below $2.7 billion by June 2013,” he said.

“The objective is to maximise the amount of capital that can be returned to the Group and ultimately to shareholders. The significant capital and liquidity buffers provide the opportunity to assess the full range of run down options without needing to accelerate sales on unfavourable terms.”

Gross impaired loans in the Non-core portfolio reduced by $229 million over the quarter to $1.4 billion. There were no new impairments in the Non-Core portfolio.

Suncorp Group Limited - ABN 66 145 290 124 - GPO Box 1453, Brisbane QLD 4001 www.suncorpgroup.com.au

ASX announcement

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General Insurance - natural hazard claims update

For the period from 1 July 2012 to 31 March 2013, Suncorp’s total natural hazard claims were $537 million (FY13 allowance: $520 million). The largest event to date has been ex-Tropical Cyclone Oswald where the estimated claims cost has increased to $250 million, net of the Queensland home portfolio quota share arrangement and other reinsurance. Other significant events include the Tasmania bushfires in January (estimated cost $30 million) and the New South Wales storms and flooding in February (estimated cost $30 million).

For more information: Media: Michelle Barry (07) 3135 4321 Analysts: Mark Ley (07) 3135 3991

Suncorp Group Limited - ABN 66 145 290 124 - GPO Box 1453, Brisbane QLD 4001 www.suncorpgroup.com.au

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ABN 66 145 290 124 Suncorp Group Limited Suncorp Bank APS330 the quarter ended 31 March 2013 Release date: 24 April 2013

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Basis of preparation

This document has been prepared by the Suncorp Bank to meet the disclosure obligations set down under the Australian Prudential Regulation Authority (APRA) Australian Prudential Standard (APS) 330 Capital Adequacy: Public Disclosure of Prudential Information.

Suncorp Bank is represented by Suncorp-Metway Ltd and its subsidiaries. Suncorp-Metway Ltd is an authorised deposit-taking institution and a wholly owned subsidiary of Suncorp Group Limited. Suncorp Group is represented by Suncorp Group Limited and its subsidiaries.

In addition to presenting consolidated information on the Suncorp Bank, this document is disaggregated into Core and Non-core Banks to allow separate analysis given their unique lending profiles. The Core and Non-core Bank tables represent an indicative view of relative performance and are presented separately in this document, with consolidated tables available in the appendices.

Other than statutory information required by a regulator (including APRA), all financial information is measured in accordance with Australian Accounting Standards. All figures have been quoted in Australian dollars and have been rounded to the nearest million.

This document has not been audited nor reviewed in accordance with Australian Auditing Standards. It should be read in conjunction with the Suncorp Group’s consolidated annual and interim financial reports which have been either audited or reviewed in accordance with Australian Auditing Standards.

This disclosure was prepared as at 31 March 2013 and should be read in conjunction with the definitions in Appendix 3 and other information concerning Suncorp Group filed with the Australian Securities Exchange.

Disclaimer

This report contains general information which is current as at 24 April 2013. It is information given in summary form and does not purport to be complete.

It is not a recommendation or advice in relation to the Suncorp Group and Suncorp Bank or any product or service offered by its entities. It is not intended to be relied upon as advice to investors or potential investors, and does not take into account the investment objectives, financial situation or needs of any particular investor. These should be considered, with or without professional advice, when deciding if an investment is appropriate.

The information in this report is for general information only. To the extent that the information may constitute forward-looking statements, the information reflects Suncorp Group’s intent, belief or current expectations with respect to our business and operations, market conditions, results of operations and financial condition, capital adequacy, specific provisions and risk management practices at the date of this report. Such forward-looking statements are not guarantees of future performance and involve known and unknown risks and uncertainties, many of which are beyond Suncorp Group’s control, which may cause actual results to differ materially from those expressed or implied.

Suncorp Group and Suncorp Bank undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date of this report (subject to stock exchange disclosure requirements).

Registered Office

Level 18, 36 Wickham Terrace Brisbane Queensland 4000 Telephone: (07) 3835 5769 www.suncorpgroup.com.au

Investor Relations

Mark Ley Head of Investor Relations Telephone: (07) 3135 3991 [email protected]

APS330 for the quarter ended 31 March 2013

Basis of Preparation .................................................................................................................................................... 2 Core Bank..................................................................................................................................................................... 4 Loans, advances and other receivables .................................................................................................................... 4 Overview ................................................................................................................................................................... 4 Impairment losses on loans and advances ............................................................................................................... 5 Impaired and past due asset balances ..................................................................................................................... 6 Provision for impairment ........................................................................................................................................... 7 Non-core Bank ............................................................................................................................................................. 8 Loans, advances and other receivables .................................................................................................................... 8 Overview ................................................................................................................................................................... 8 Impairment losses on loans and advances ............................................................................................................. 10 Impaired and past due asset balances ................................................................................................................... 11 Provision for impairment ......................................................................................................................................... 12 Appendix 1 – Consolidated Bank ............................................................................................................................. 13 Appendix 2 – APS330 tables..................................................................................................................................... 16 Appendix 3 – Definitions ........................................................................................................................................... 23 Appendix 4 – Suncorp Bank updated Slide Information ........................................................................................ 24

APS330 for the quarter ended 31 March 2013

Core Bank

Core Bank

Loans, advances and other receivables

				MAR-13	MAR-13
	MAR-13	DEC-12	MAR-12	vs DEC-12	vs MAR-12
	$M	$M	$M	%	%
Housing loans	29,714	28,614	28,482	3.8	4.3
Securitisedhousingloans	6,916	7,349	4,421	(5.9)	56.4
Total housing loans	36,630	35,963	32,903	1.9	11.3
Consumer loans	472	464	505	1.7	(6.5)
Retail loans	37,102	36,427	33,408	1.9	11.1
Commercial (SME)	5,472	5,297	4,890	3.3	11.9
Agribusiness	4,125	4,039	3,680	2.1	12.1
Businessloans	9,597	9,336	8,570	2.8	12.0
Total lending	46,699	45,763	41,978	2.0	11.2
Other receivables	63	24	19	162.5	231.6
Gross banking loans, advances and other receivables	46,762	45,787	41,997	2.1	11.3
Provision for impairment	(130)	(124)	(128)	4.8	1.6
Loans, advances and other receivables	46,632	45,663	41,869	2.1	11.4

Credit risk weighted assets	24,226	23,349	21,883	3.8	10.7
Geographical breakdown - Total lending
Queensland	27,794	27,488	26,076	1.1	6.6
New South Wales	10,496	10,080	8,580	4.1	22.3
Victoria	4,094	3,976	3,696	3.0	10.8
Western Australia	2,966	2,902	2,465	2.2	20.3
South Australia and other	1,349	1,317	1,161	2.4	16.2
Outside ofQueenslandloans	18,905	18,275	15,902	3.4	18.9
Total lending	46,699	45,763	41,978	2.0	11.2

Overview

The Core Bank continued to deliver positive lending growth in the third quarter with home lending up 1.9% and business lending up 2.8%. Business lending trends were driven by steady growth in both the commercial and agribusiness segments as the Bank continues to expand its brand presence in diversified geographic markets.

The expected seasonal increase in the Core Bank’s past due loans occurred during the third quarter, however they remain low as a percentage of gross lending. This reflects Suncorp’s conservative portfolio which comprises a high proportion of owner occupiers with an average home loan size of less than $300,000. New lending is focused on customers seeking to borrow less than $500,000. The Bank has limited exposure to “low doc” mortgages.

The Core Bank’s lending growth is underpinned by the Bank’s access to a range of stable retail and wholesale funding markets. Over 95% of the Core lending portfolio is funded by customer deposits and long term wholesale instruments. In delivering this outcome, the Bank has maintained momentum in growing the number of transaction accounts and increased complete customer penetration.

APS330 for the quarter ended 31 March 2013

Core Bank

Personal Lending

Personal lending receivables including securitised assets increased to $37.1 billion, up 1.9% in the quarter.

The home lending portfolio continues to grow above system, with the Bank benefiting from its interstate expansion and an established indirect channel.

The consumer lending portfolio, comprising personal loans and margin lending, increased 1.7% over the quarter. The modest increase resulted mainly from improved customer sentiment.

Business Lending

Commercial (SME)

Suncorp Bank’s commercial (SME) lending portfolio increased to $5.5 billion, up 3.3% over the quarter, reflecting good underlying growth in a market characterised by low business confidence and competition for refinance lending. The result also reflects the strength of the Suncorp’s pricing and product proposition in this segment.

The Bank continues to balance its appetite for growth against the need to maintain sound credit quality across the portfolio.

Agribusiness

The agribusiness portfolio grew to $4.1 billion, up 2.1% over the quarter. National market share has increased, while in Queensland, agribusiness has returned to historical growth and profitability patterns.

The sustained momentum over the quarter is largely the result of interstate expansion, pricing and process initiatives put in place throughout the year. These initiatives will continue to underpin business lending performance into the new financial year.

Impairment losses on loans and advances

				MAR-13	MAR-13
	MAR-13	DEC-12	SEP-12	vs DEC-12	vs SEP-12
	$M	$M	$M	%	%
Collective provision for impairment	2	2	1	-	100.0
Specific provision for impairment	16	12	12	33.3	33.3
Actual netwrite-offs	-	2	3	(100.0)	(100.0)
	18	16	16	12.5	12.5
Impairment losses to credit risk weighted assets(annualised)	0.30%	0.27%	0.28%

Impairment losses have trended at the high end of the Core Bank’s normal operating range throughout the financial year.

Impairment losses were 30 basis points (annualised) to credit risk weighted assets in the quarter due to an increase in bad debt expense. The bad debt expense was $18 million, with the increase in specific provision charges related to a small number of existing impaired business related exposures.

APS330 for the quarter ended 31 March 2013

Core Bank

Impaired and past due asset balances

Impaired and past due asset balances
				MAR-13	MAR-13
	MAR-13	DEC-12	SEP-12	vs DEC-12	vs SEP-12
	$M	$M	$M	%	%
Gross balances of individually impaired loans
with specific provisions set aside	166	140	183	18.6	(9.3)
without specific provisions set aside	55	76	52	(27.6)	5.8
Gross impaired assets	221	216	235	2.3	(6.0)
Specific provision for impairment	(42)	(38)	(44)	10.5	(4.5)
Net impaired assets	179	178	191	0.6	(6.3)
Size of gross impaired assets
Less than one million	33	30	23	10.0	43.5
Greater than one million but less than ten million	113	100	117	13.0	(3.4)
Greaterthanten million	75	86	95	(12.8)	(21.1)
	221	216	235	2.3	(6.0)
Past due loans not shown as impaired assets	336	265	275	26.8	22.2
Gross non-performing loans	557	481	510	15.8	9.2
Analysis of movements in gross impaired assets
Balance at the beginning of the period	216	235	241	(8.1)	(10.4)
Recognition of new impaired assets	33	45	33	(26.7)	-
Increases in previously recognised impaired assets	1	1	1	-	-
Impaired assets written off/sold during the period	(10)	(15)	(12)	(33.3)	(16.7)
Impaired assets which have been reclassed as performing assets
or repaid	(19)	(50)	(28)	(62.0)	(32.1)
Balance at the end of theperiod	221	216	235	2.3	(6.0)

Impaired assets

Core gross impaired assets were relatively flat during the quarter. The home lending portfolio recorded a small increase in impairments, which related solely to exposures of less than $10 million. For exposures greater than $10 million, the balance continues to trend down.

Past due (not shown as impaired)

In line with expectations the Core Bank’s past due balances have increased during the March quarter, reflecting the seasonal uptick over the summer months. The March quarter generally is the annual peak in past due balances. In addition to the normal seasonal trends, a single medium sized business exposure became past due during the quarter.

Past due home lending exposures as a percentage of the total home lending portfolio were 0.65% in the quarter, an improvement on the March 2012 quarter.

APS330 for the quarter ended 31 March 2013

Core Bank

Provision for impairment

Provision for impairment
				MAR-13	MAR-13
	MAR-13	DEC-12	SEP-12	vs DEC-12	vs SEP-12
	$M	$M	$M	%	%
Collective provision
Balance at the beginning of the period	86	84	83	2.4	3.6
Charge against contributionto profit	2	2	1	-	100.0
Balance at the end ofthe period	88	86	84	2.3	4.8
Specific provision
Balance at the beginning of the period	38	44	46	(13.6)	(17.4)
Charge against impairment losses	16	12	12	33.3	33.3
Write-off of impaired assets	(10)	(15)	(12)	(33.3)	(16.7)
Unwind of interest	(2)	(3)	(2)	(33.3)	-
Balance at the end ofthe period	42	38	44	10.5	(4.5)
Total provision for impairment -Core Banking activities	130	124	128	4.8	1.6
Equity reserve for credit loss
Balance at the beginning of the period	107	104	102	2.9	4.9
Transfer(to)/from retained earnings	3	3	2	n/a	n/a
Balance at the end ofthe period	110	107	104	2.8	5.8
Pre-taxequivalent coverage	157	153	149	2.6	5.4
Total provision for impairment and equity reserve for credit
loss coverage - Core Banking activities	287	277	277	3.6	3.6
	%	%	%
Provision for impairment expressed as a percentage of gross
impaired assets are as follows:
Collective provision	39.8	39.8	35.7
Specific provision	19.0	17.6	18.7
Total provision	58.8	57.4	54.5
Equity reserve for credit loss coverage	71.0	70.8	63.4
Totalprovision and equityreserve for credit loss coverage	129.9	128.2	117.9

The Core Bank continues to be well provisioned with total provision and equity reserve for credit losses (ERCL) coverage remaining above 100%. The small improvement in the coverage ratio over the quarter was due to the higher provision and reserve balances and relatively stable impairment balances.

APS330 for the quarter ended 31 March 2013

Non-core Bank

Non-core Bank

Loans, advances and other receivables

				MAR-13	MAR-13
	MAR-13	DEC-12	MAR-12	vs DEC-12	vs MAR-12
	$M	$M	$M	%	%
Corporate	573	703	1,351	(18.5)	(57.6)
Development finance	1,224	1,325	1,715	(7.6)	(28.6)
Propertyinvestment	1,186	1,394	2,233	(14.9)	(46.9)
Non-core portfolio	2,983	3,422	5,299	(12.8)	(43.7)
Other receivables	12	7	18	71.4	(33.3)
Gross banking loans, advances and other receivables	2,995	3,429	5,317	(12.7)	(43.7)
Provision for impairment	(288)	(349)	(434)	(17.5)	(33.6)
Loans, advances and other receivables	2,707	3,080	4,883	(12.1)	(44.6)

Credit risk weighted assets	3,557	4,074	6,228	(12.7)	(42.9)

Overview

The Non-core portfolio reduced by $0.4 billion in the quarter. The outstanding balance at 31 March 2013 was less than $3.0 billion. There are now 25 loans with balances above $50 million, down from 121 at the establishment of the Non-core bank.

The pace of run off continues to track ahead of original expectations, with the portfolio approximately 17% of its original size and representing just 6% of the Bank's total lending assets. The Bank expects the Noncore portfolio to reduce to below $2.7 billion by June 2013.

The Bank's strategy continues to be to manage its Non-core exposures in a manner designed to maximise the amount of capital that can be returned to the Group and ultimately to shareholders. The significant capital and liquidity buffers provide the opportunity to assess the full range of run down options available for each individual exposure without needing to accelerate sales on unfavourable terms.

Gross non performing loans, which include both impaired and past due balances, reduced by approximately $250 million over the quarter to $1.45 billion. There were no new impairments in the quarter.

The Bank’s previous guidance was for the Non-core portfolio to be below $3 billion by June 2013. Given the progress of the run-off and a more optimistic view of refinance markets, the Bank expects the portfolio will be below $2.7 billion by June 2013, with less than 50% of the outstanding balance being impaired. At that time, the Group will be well placed to review its strategic options.

APS330 for the quarter ended 31 March 2013

Non-core Bank

Business Portfolios

Development finance

The Development finance portfolio continues to decline, reducing by a further $0.1 billion since December 2012 to $1.2 billion.

Conditions in the development finance property markets remain challenging with excess supply in some areas, particularly for higher-end product and vacant land. Sale opportunities are evident for completed projects and the pace of sale has picked up in some sub markets over the past few months.

The portfolio includes $1.0 billion of impaired assets across a combination of asset classes, including vacant land and a small number of assets which carry continuing development risk. The majority of the impaired portfolio comprises assets located in Queensland and New South Wales.

Corporate and Leasing finance

The Corporate and Leasing portfolio continued to run off over the March quarter, reducing a further $0.1 billion to $0.6 billion. Impaired asset constitute just 4% of this portfolio.

Refinance markets are generally robust in this segment of the portfolio, although appetite remains exposure-specific. Many customers have favourable pricing terms and this has discouraged refinancing.

Property investment

Property investment includes assets such as shopping centres, commercial offices, and industrial warehouses and excludes construction projects.

The property investment portfolio has reduced by $0.2 billion to $1.2 billion. The portfolio includes $0.4 billion of impaired assets.

With vacancy rates remaining at relatively low levels, appetite has slowly improved for investors and financiers in this segment. However, loan to valuation ratios following property price depreciation do constrain refinance activity. Purchasers are showing interest in acquiring quality properties in proven locations.

APS330 for the quarter ended 31 March 2013

Non-core Bank

Impairment losses on loans and advances

				MAR-13	MAR-13
	MAR-13	DEC-12	SEP-12	vs DEC-12	vs SEP-12
	$M	$M	$M	%	%
Collective provision for impairment	(8)	4	(11)	(300.0)	(27.3)
Specific provision for impairment	65	97	75	(33.0)	(13.3)
Actual netwrite-offs	1	(5)	2	(120.0)	(50.0)
	58	96	66	(39.6)	(12.1)
Impairment losses to credit risk weighted assets
(annualised)	6.61%	9.35%	5.53%

Impairment losses were lower in the March quarter, with the specific provision charge of $65 million comprising:

a $56 million specific provision charge relating to a number of existing impaired exposures across the Development Finance and Property Investment portfolios; and
IFRS expenses due to work out date extensions of $9 million. Work out periods by their nature will continue to fluctuate given the individual circumstances of each exposure, as well as broader market conditions.

The Non-core Bank’s collective provisions recorded an $8 million write back following the reduction in past due accounts over the quarter and the on-going run off of the performing portfolio.

APS330 for the quarter ended 31 March 2013

Non-core Bank

Impaired and past due asset balances

				MAR-13	MAR-13
	MAR-13	DEC-12	SEP-12	vs DEC-12	vs SEP-12
	$M	$M	$M	%	%
Gross balances of individually impaired loans
with specific provisions set aside	1,390	1,601	1,822	(13.2)	(23.7)
without specific provisions set aside	25	43	21	(41.9)	19.0
Gross impaired assets	1,415	1,644	1,843	(13.9)	(23.2)
Specific provision for impairment	(241)	(294)	(326)	(18.0)	(26.1)
Net impaired assets	1,174	1,350	1,517	(13.0)	(22.6)
Size of gross impaired assets
Less than one million	5	5	6	-	(16.7)
Greater than one million but less than ten million	160	165	149	(3.0)	7.4
Greaterthanten million	1,250	1,474	1,688	(15.2)	(25.9)
	1,415	1,644	1,843	(13.9)	(23.2)
Past due loans not shownas impaired assets	41	59	34	(30.5)	20.6
Gross non-performing loans	1,456	1,703	1,877	(14.5)	(22.4)
Analysis of movements in gross individually impaired assets
Balance at the beginning of the period	1,644	1,843	1,849	(10.8)	(11.1)
Recognition of new impaired assets	-	28	143	(100.0)	(100.0)
Increases in previously recognised impaired assets	9	10	19	(10.0)	(52.6)
Impaired assets written off/sold during the period	(94)	(101)	(63)	(6.9)	49.2
Impaired assets which have been reclassed as performing assets
or repaid	(144)	(136)	(105)	6.1	37.5
Balance at the end of theperiod	1,415	1,644	1,843	(13.9)	(23.2)

Gross non-performing loans

Gross non-performing loans, which includes both impaired and past due balances, reduced by approximately $250 million over the quarter. Most of this reduction related to the impaired portfolio.

Impaired assets

Non-core impaired balances reduced by over $200 million in the quarter with no new accounts entering impaired status, reflecting the maturity of this portfolio. The reduction in the non-core portfolio over the quarter also reflects an improvement in the market for distressed assets, albeit this market remains some way from a full recovery.

Past due (not shown as impaired)

Past due loans reduced by $18 million in the third quarter. This resulted in a reduction of the collective provision.

APS330 for the quarter ended 31 March 2013

Non-core Bank

Provision for impairment

				MAR-13	MAR-13
	MAR-13	DEC-12	SEP-12	vs DEC-12	vs SEP-12
	$M	$M	$M	%	%
Collective provision
Balance at the beginning of the period	55	51	62	7.8	(11.3)
Charge against contributionto profit	(8)	4	(11)	(300.0)	(27.3)
Balance at the end ofthe period	47	55	51	(14.5)	(7.8)
Specific provision
Balance at the beginning of the period	294	326	346	(9.8)	(15.0)
Charge against impairment losses	65	97	75	(33.0)	(13.3)
Write-off of impaired assets	(94)	(101)	(63)	(6.9)	49.2
Unwind of interest	(24)	(28)	(32)	(14.3)	(25.0)
Balance at the end ofthe period	241	294	326	(18.0)	(26.1)
Total provision for impairment - Non-Core Banking activities	288	349	377	(17.5)	(23.6)
Equity reserve for credit loss
Balance at the beginning of the period	26	35	45	(25.7)	(42.2)
Transfer(to)/from retained earnings	-	(9)	(10)	(100.0)	(100.0)
Balance at the end ofthe period	26	26	35	-	(25.7)
Pre-tax equivalent coverage	37	37	50	-	(26.0)
Total provision for impairment and equity reserve for credit
loss coverage - Non-core Banking activities	325	386	427	(15.8)	(23.9)
	%	%	%
Provision for impairment expressed as a percentage of gross
impaired assets are as follows:
Collective provision	3.3	3.3	2.8
Specific provision	17.0	17.9	17.7
Total provision	20.4	21.2	20.5
Equity reserve for credit loss coverage	2.6	2.3	2.7
Totalprovision and equityreserve for credit loss coverage	23.0	23.5	23.2

Non-core Bank provision coverage has remained largely in-line with the previous quarter.

Over the life of the portfolio, the Non-core Bank has partially written down exposures where recovery is extremely unlikely. The Non-core Bank’s coverage ratio would have been over 14 percentage points higher had these partial write-downs not reduced both impaired and provision balances.

The Non-core Bank will continue to subject underlying security valuations and work out periods to regular review and assessment in order to ensure the portfolio remains appropriately provisioned for an orderly run-off in challenging domestic and global economic conditions.

APS330 for the quarter ended 31 March 2013

Appendices

Appendix 1 – Consolidated Bank

Loans, advances and other receivables

	CORE	NON-CORE	TOTAL	TOTAL	TOTAL	MAR-13	MAR-13
	MAR-13	MAR-13	MAR-13	DEC-12	MAR-12	vs DEC-12 vs MAR-12
	$M	$M	$M	$M	$M	%	%
Housing loans	29,714	-	29,714	28,614	28,482	3.8	4.3
Securitisedhousingloans	6,916	-	6,916	7,349	4,421	(5.9)	56.4
Total housing loans	36,630	-	36,630	35,963	32,903	1.9	11.3
Consumer loans	472	-	472	464	505	1.7	(6.5)
Retail loans	37,102	-	37,102	36,427	33,408	1.9	11.1
Commercial (SME)	5,472	-	5,472	5,297	4,890	3.3	11.9
Corporate	-	573	573	703	1,351	(18.5)	(57.6)
Development finance	-	1,224	1,224	1,325	1,715	(7.6)	(28.6)
Property investment	-	1,186	1,186	1,394	2,233	(14.9)	(46.9)
Agribusiness	4,125	-	4,125	4,039	3,680	2.1	12.1
Businessloans	9,597	2,983	12,580	12,758	13,869	(1.4)	(9.3)
Total lending	46,699	2,983	49,682	49,185	47,277	1.0	5.1
Other receivables	63	12	75	31	37	141.9	102.7
Gross banking loans, advances and other
receivables	46,762	2,995	49,757	49,216	47,314	1.1	5.2
Provision for impairment	(130)	(288)	(418)	(473)	(562)	(11.6)	(25.6)
Loans, advances and other receivables	46,632	2,707	49,339	48,743	46,752	1.2	5.5
Credit risk weighted assets	24,226	3,557	27,782	27,423	28,111	1.3	(1.2)
Geographical breakdown - Total lending
Queensland	27,794	1,180	28,974	28,889	28,587	0.3	1.4
New South Wales	10,496	1,179	11,675	11,431	10,401	2.1	12.2
Victoria	4,094	469	4,563	4,487	4,372	1.7	4.4
Western Australia	2,966	154	3,120	3,059	2,690	2.0	16.0
South Australia and other	1,349	1	1,350	1,319	1,227	2.4	10.0
Outside ofQueenslandloans	18,905	1,803	20,708	20,296	18,690	2.0	10.8
Total lending	46,699	2,983	49,682	49,185	47,277	1.0	5.1

APS330 for the quarter ended 31 March 2013

Appendices

Impairment losses on loans and advances

CORE NON-CORE TOTAL CORE NON-CORE TOTAL MAR-13 MAR-13 MAR-13 DEC-12 DEC-12 DEC-12 $M $M $M $M $M $M	CORE NON-CORE TOTAL SEP-12 SEP-12 SEP-12 $M $M $M
Collective provision for impairment 2 (8) (6) 2 4 6 Specific provision for impairment 16 65 81 12 97 109 Actual netwrite-offs - 1 1 2 (5) (3)	1 (11) (10) 12 75 87 3 2 5
18 58 76 16 96 112	16 66 82
Impairment losses to risk weighted assets (annualised) 0.30% 6.61% 1.11% 0.27% 9.35% 1.62%	0.28% 5.53% 1.18%

Impaired asset balances

CORE NON-CORE TOTAL CORE NON-CORE TOTAL MAR-13 MAR-13 MAR-13 DEC-12 DEC-12 DEC-12 $M $M $M $M $M $M	CORE NON-CORE TOTAL CORE NON-CORE TOTAL MAR-13 MAR-13 MAR-13 DEC-12 DEC-12 DEC-12 $M $M $M $M $M $M	CORE NON-CORE TOTAL SEP-12 SEP-12 SEP-12
		$M $M $M
Gross balances of individually impaired loans with specific provisions set aside 166 1,390 1,556 140 1,601 1,741 without specific provisions set aside 55 25 80 76 43 119		183 1,822 2,005 52 21 73
Gross impaired assets 221 1,415 1,636 216 1,644 1,860 Specific provision for impairment (42) (241) (283) (38) (294) (332)		235 1,843 2,078 (44) (326) (370)
Net impaired assets 179 1,174 1,353 178 1,350 1,528		191 1,517 1,708
Size of gross individually impaired assets Less than one million 33 5 38 30 5 35 Greater than one million but less than ten million 113 160 273 100 165 265 Greaterthanten million 75 1,250 1,325 86 1,474 1,560		23 6 29 117 149 266 95 1,688 1,783
221 1,415 1,636 216 1,644 1,860		235 1,843 2,078
Past due loans not shownas impaired assets 336 41 377 265 59 324		275 34 309
Gross non-performing loans 557 1,456 2,013 481 1,703 2,184		510 1,877 2,387
Analysis of movements in gross individually impaired assets Balance at the beginning of the period 216 1,644 1,860 235 1,843 2,078 Recognition of new impaired assets 33 - 33 45 28 73 Increases in previously recognised impaired assets 1 9 10 1 10 11 Impaired assets written off/sold during the period (10) (94) (104) (15) (101) (116) Impaired assets which have been reclassed as performing assets or repaid (19) (144) (163) (50) (136) (186)		241 1,849 2,090 33 143 176 1 19 20 (12) (63) (75) (28) (105) (133)
Balance at the end of theperiod 221 1,415 1,636 216 1,644	1,860	235 1,843 2,078

APS330 for the quarter ended 31 March 2013

Appendices

Provision for impairment

	CORE	NON-CORE	TOTAL	CORE	NON-CORE	TOTAL	CORE	NON-CORE	TOTAL
	MAR-13	MAR-13	MAR-13	DEC-12	DEC-12	DEC-12	SEP-12	SEP-12	SEP-12
	$M	$M	$M	$M	$M	$M	$M	$M	$M
Collective provision
Balance at the beginning of the period	86	55	141	84	51	135	83	62	145
Charge against contributionto profit	2	(8)	(6)	2	4	6	1	(11)	(10)
Balance at the end ofthe period	88	47	135	86	55	141	84	51	135
Specific provision
Balance at the beginning of the period	38	294	332	44	326	370	46	346	392
Charge against impairment losses	16	65	81	12	97	109	12	75	87
Write-off of impaired assets	(10)	(94)	(104)	(15)	(101)	(116)	(12)	(63)	(75)
Unwind of interest	(2)	(24)	(26)	(3)	(28)	(31)	(2)	(32)	(34)
Balance at the end ofthe period	42	241	283	38	294	332	44	326	370
Total provision for impairment - Banking
activities	130	288	418	124	349	473	128	377	505
Equity reserve for credit loss
Balance at the beginning of the period	107	26	133	104	35	139	102	45	147
Transfertoretained earnings	3	-	3	3	(9)	(6)	2	(10)	(8)
Balance at the end ofthe period	110	26	136	107	26	133	104	35	139
Pre-taxequivalent coverage	157	37	194	153	36	190	149	50	199
Total provision for impairment and equity reserve
for credit loss - Banking activities	287	325	612	277	385	662	277	427	704
	%	%	%	%	%	%	%	%	%
Provision for impairment expressed as a
percentage of gross impaired assets are as
follows:
Collective provision	39.8	3.3	8.3	39.8	3.3	7.6	35.7	2.8	6.5
Specific provision	19.0	17.0	17.3	17.6	17.9	17.8	18.7	17.7	17.8
Total provision	58.8	20.4	25.6	57.4	21.2	25.4	54.5	20.5	24.3
Equity reserve for credit loss coverage	71.0	2.6	11.9	70.8	2.3	10.2	63.4	2.7	9.6
Total provision and equity reserve for credit loss
coverage	129.9	23.0	37.4	128.2	23.5	35.6	117.9	23.2	33.9

APS330 for the quarter ended 31 March 2013

Appendices

Appendix 2 – APS330 tables

Table 16

On balance sheet assets

			AVG RISK
	CARRYING VALUE		WEIGHT	RISK-WEIGHTED ASSETS
	MAR-13	DEC-12	MAR-13	MAR-13	DEC-12	DEC-12
					BASEL III	BASEL II
	$M	$M	%	$M	$M	$M
On-balance sheet credit risk-weighted assets
Cash Items	229	232	11	26	22	22
Claims on Australian and foreign Governments	1,051	903	-	-	-	-
Claims on central banks, international banking
agencies, regional development banks, ADIs and	4,874	3,928	20	975	786	786
Claims on securitisation exposures	1,680	1,389	20	336	278	278
Claims secured against eligible residential mortgages	34,864	33,836	40	13,842	13,471	13,471
Past due claims	1,869	1,973	130	2,437	2,643	2,643
Other retail assets	672	715	81	547	594	594
Corporate	9,322	9,375	100	9,311	9,366	9,366
Otherassets and claims	344	265	90	308	263	263
Total Banking assets(1)	54,905	52,616	51	27,782	27,423	27,423

(1) Total Banking assets differ from Banking segment assets due to the adoption of APRA classification of intangible assets, deferred tax, incorporation of trading book in the market risk capital charge and general reserve for credit losses for capital adequacy purposes.

Off balance sheet positions

NOTIONAL AMOUNT CREDIT EQUIVALENT AVG RISK WEIGHT MAR-13 MAR-13 MAR-13 MAR-13 DEC-12 DEC-12 BASEL III BASEL II $M $M % $M $M $M RISK-WEIGHTED ASSETS	NOTIONAL AMOUNT CREDIT EQUIVALENT AVG RISK WEIGHT MAR-13 MAR-13 MAR-13 MAR-13 DEC-12 DEC-12 BASEL III BASEL II $M $M % $M $M $M RISK-WEIGHTED ASSETS	NOTIONAL AMOUNT CREDIT EQUIVALENT AVG RISK WEIGHT MAR-13 MAR-13 MAR-13 MAR-13 DEC-12 DEC-12 BASEL III BASEL II $M $M % $M $M $M RISK-WEIGHTED ASSETS	NOTIONAL AMOUNT CREDIT EQUIVALENT AVG RISK WEIGHT MAR-13 MAR-13 MAR-13 MAR-13 DEC-12 DEC-12 BASEL III BASEL II $M $M % $M $M $M RISK-WEIGHTED ASSETS	NOTIONAL AMOUNT CREDIT EQUIVALENT AVG RISK WEIGHT MAR-13 MAR-13 MAR-13 MAR-13 DEC-12 DEC-12 BASEL III BASEL II $M $M % $M $M $M RISK-WEIGHTED ASSETS
Off-balance sheet positions Guarantees entered into the normal course of business 311 300 74 223 219 219 Commitments to provide loans and receivables 6,641 1,480 62 913 842 842
Capital commitments - - - - - -
Foreign exchange contracts 8,923 185 36 67 74 74 Interest rate contracts 40,919 199 68 136 161 161 Securitisation exposures 2,865 43 86 37 42 42 CVAcapitalcharge 234 243 -
Total off-balance sheetpositions 59,659 2,207 73 1,610 1,581 1,338
Market risk capital charge 308 388 388 Operational risk capital charge 3,285 3,285 3,285 Totalon-balance sheet creditrisk-weighted assets 27,782 27,423 27,423
Total Assessed Risk 32,985 32,677 32,434
Risk-weighted capital ratios % % %
Tier 1 10.85 10.88 10.09 Tier 2 1.22 1.23 2.43
Total risk-weighted capital ratios 12.07 12.11 12.52

		$M	$M	$M
Common Equity Tier 1capital	2,440 2,416			2,441
	% %			%
Common Equity Tier 1 ratio	7.40 7.39 7.53

Table 17A

Credit risk by gross credit exposure – outstanding as at 31 March 2013

	RECEI VABLES DUE FROM OTHER BANKS ( 4 ) TRADI NG S ECURI TI ES I NVES TM ENT S ECURI TI ES LOANS , ADVANCES AND OTHER RECEI VABLES ( 3 ) CREDI T COM M I TM ENTS ( 2 ) DERI VATI VE I NS TRUM ENTS ( 2 ) $M $M $M $M $M $M	TOTAL CREDI T RI S K I M P AI RED AS S ETS P AS T DUE NOT I M P AI RED > 9 0 DAYS TOTAL NOT P AS T DUE OR I M P AI RED S P ECI FI C P ROVI S I ONS $M $M $M $M $M
Agribusiness Construction & development Financial services Hospitality Manufacturing Professional services Property investment Mortgage Personal Government/public authorities Other commercial & industrial Total gross credit risk Securitisation Exposures(1) Total including Securitisation Exposures Impairment provision TOTAL	- - - 3,810 165 - - - - 1,973 99 - 1,250 2,534 4,435 407 194 384 - - - 1,082 56 - - - - 416 21 - - - - 226 9 - - - - 3,084 70 - - - - 33,956 991 - - - - 388 33 - - - - 1 - - - - - 1,851 142 -	3,975 102 48 3,825 24 2,072 948 35 1,089 179 9,204 - - 9,204 - 1,138 78 10 1,050 7 437 13 1 423 5 235 4 1 230 2 3,154 359 8 2,787 43 34,947 37 236 34,674 6 421 - 5 416 - 1 - - 1 - 1,993 95 33 1,865 17
	1,250 2,534 4,435 47,194 1,780 384 - - 1,680 2,780 32 11	57,577 1,636 377 55,564 283 4,503 - - 4,503 -
	1,250 2,534 6,115 49,974 1,812 395	62,080 1,636 377 60,067 283
		(418) (283) (39) (96) 61,662 1,353 338 59,971

(1) The securitisation exposures of $2,780 million included under “Loans advances and other receivables” qualify for regulatory capital relief under APS 120 and therefore does not contribute to the Bank’s Total gross credit risk. The remaining securitisation exposures carry credit risk commensurate with their respective asset classes in accordance with APS 120.

(2) “Credit commitments” and “Derivative instruments” represent the credit equivalent amount of the Bank’s off-balance sheet exposures calculated in accordance with APS 112.

(3) Total loans, advances and other receivables includes receivables due from related parties.

(4) Receivables due from other Banks includes collateral deposits provided to derivative counterparties.

APS330 for the quarter ended 31 March 2013

Appendices

Table 17A

Credit risk by gross credit exposure – outstanding as at 31 December 2012

	RECEI VABLES DUE FROM OTHER BANKS ( 4 ) TRADI NG S ECURI TI ES I NVES TM ENT S ECURI TI ES LOANS , ADVANCES AND OTHER RECEI VABLES ( 3 ) CREDI T COM M I TM ENTS ( 2 ) DERI VATI VE I NS TRUM ENTS ( 2 ) $M $M $M $M $M $M	TOTAL CREDI T RI S K I M P AI RED AS S ETS P AS T DUE NOT I M P AI RED > 9 0 DAYS TOTAL NOT P AS T DUE OR I M P AI RED S P ECI FI C P ROVI S I ONS $M $M $M $M $M
Agribusiness Construction & development Financial services Hospitality Manufacturing Professional services Property investment Mortgage Personal Government/public authorities Other commercial & industrial Total gross credit risk Securitisation Exposures(1) Total including Securitisation Exposures Impairment provision TOTAL	- - - 3,771 179 - - - - 2,071 76 - 1,031 4,077 3,725 615 167 471 - - - 1,083 40 - - - - 428 26 - - - - 265 12 - - - - 2,968 68 - - - - 32,949 990 - - - - 383 7 - - - - 1 - - - - - 1,818 122 -	3,950 114 34 3,802 29 2,147 1,040 31 1,076 209 10,086 - - 10,086 - 1,123 94 31 998 3 454 13 3 438 - 277 4 1 272 2 3,036 467 19 2,550 77 33,939 31 180 33,728 5 390 - 3 387 - 1 - - 1 - 1,940 97 22 1,821 7
	1,031 4,077 3,725 46,352 1,687 471 - - 1,389 3,130 35 14	57,343 1,860 324 55,159 332 4,568 - - 4,568 -
	1,031 4,077 5,114 49,482 1,722 485	61,911 1,860 324 59,727 332 (473) (332) (45) (96) 61,438 1,528 279 59,631

(1) The securitisation exposures of $3,130 million included under “Loans advances and other receivables” qualify for regulatory capital relief under APS 120 and therefore does not contribute to the Bank’s Total gross credit risk. The remaining securitisation exposures carry credit risk commensurate with their respective asset classes in accordance with APS 120.

(2)

“Credit commitments” and “Derivative instruments” represent the credit equivalent amount of the Bank’s off-balance sheet exposures calculated in accordance with APS 112. (3) Total loans, advances and other receivables includes receivables due from related parties. (4) Receivables due from other Banks includes collateral deposits provided to derivative counterparties.

Table 17A

Credit risk by gross credit exposure – average gross exposure over period 1 January to 31 March 2013

	RECEI VABLES DUE FROM OTHER BANKS ( 4 ) TRADI NG S ECURI TI ES I NVES TM ENT S ECURI TI ES LOANS , ADVANCES AND OTHER RECEI VABLES ( 3 ) CREDI T COM M I TM ENTS ( 2 ) DERI VATI VE I NS TRUM ENTS ( 2 ) $M $M $M $M $M $M	TOTAL CREDI T RI S K I M P AI RED AS S ETS P AS T DUE NOT I M P AI RED > 9 0 DAYS TOTAL NOT P AS T DUE OR I M P AI RED S P ECI FI C P ROVI S I ONS $M $M $M $M $M
Agribusiness Construction & development Financial services Hospitality Manufacturing Professional services Property investment Real estate - Personal Government/public authorities Other commercial & industrial Total gross credit risk Securitisation Exposures(1) Total including Securitisation Exposures Impairment provision TOTAL	- - - 3,791 172 - - - - 2,022 88 - 1,141 3,306 4,080 511 180 428 - - - 1,083 48 - - - - 422 24 - - - - 246 11 - - - - 3,026 69 - - - - 33,453 991 - - - - 386 20 - - - - 1 - - - - - 1,835 132 -	3,963 108 41 3,814 27 2,110 994 33 1,083 194 9,646 - - 9,646 - 1,131 86 21 1,024 5 446 13 2 431 3 257 4 1 252 2 3,095 413 14 2,668 60 34,444 34 208 34,202 6 406 - 4 402 - 1 - - 1 - 1,967 96 28 1,843 12
	1,141 3,306 4,080 46,776 1,735 428 - - 1,534 2,955 34 13	57,466 1,748 352 55,366 309 4,536 - - 4,536 -
	1,141 3,306 5,614 49,731 1,769 441	62,002 1,748 352 59,902 309
		(447) (309) (42) (96) 61,555 1,439 310 59,806

(1) The securitisation exposures of $2,955 million included under “Loans advances and other receivables” qualify for regulatory capital relief under APS 120 and therefore does not contribute to the Bank’s Total gross credit risk. The remaining securitisation exposures carry credit risk commensurate with their respective asset classes in accordance with APS 120.

(2)

“Credit commitments” and “Derivative instruments” represent the credit equivalent amount of the Bank’s off-balance sheet exposures calculated in accordance with APS 112.

(3) Total loans, advances and other receivables includes receivables due from related parties.

(4) Receivables due from other Banks includes collateral deposits provided to derivative counterparties.

APS330 for the quarter ended 31 March 2013

Appendices

Table 17A

Credit risk by gross credit exposure – average gross exposure over period 1 October to 31 December 2012

	RECEI VABLES DUE FROM OTHER BANKS ( 4 ) TRADI NG S ECURI TI ES I NVES TM ENT S ECURI TI ES LOANS , ADVANCES AND OTHER RECEI VABLES ( 3 ) CREDI T COM M I TM ENTS ( 2 ) DERI VATI VE I NS TRUM ENTS ( 2 ) $M $M $M $M $M $M	TOTAL CREDI T RI S K I M P AI RED AS S ETS P AS T DUE NOT I M P AI RED > 9 0 DAYS TOTAL NOT P AS T DUE OR I M P AI RED S P ECI FI C P ROVI S I ONS $M $M $M $M $M
Agribusiness Construction & development Financial services Hospitality Manufacturing Professional services Property investment Real estate - Personal Government/public authorities Other commercial & industrial Total gross credit risk Securitisation Exposures(1) Total including Securitisation Exposures Impairment provision TOTAL	- - - 3,714 170 - - - - 2,183 81 - 1,231 4,384 4,003 589 168 485 - - - 1,105 42 - - - - 422 31 - - - - 269 11 - - - - 2,934 74 - - - - 32,265 1,148 - - - - 384 10 - - - - 1 - - - - - 1,877 118 -	3,884 148 34 3,702 28 2,264 1,078 32 1,154 225 10,860 - - 10,860 - 1,147 105 17 1,025 4 453 13 2 438 - 280 4 1 275 2 3,008 475 15 2,518 77 33,413 29 192 33,192 5 394 - 3 391 - 1 - - 1 - 1,995 118 22 1,855 12
	1,231 4,384 4,003 45,743 1,853 485 - - 1,396 3,230 35 14	57,699 1,970 318 55,411 353 4,675 - - 4,675 -
	1,231 4,384 5,399 48,973 1,888 499	62,374 1,970 318 60,086 353 (491) (353) (41) (98) 61,882 1,617 277 59,988

(1) The securitisation exposures of $3,230 million included under “Loans advances and other receivables” qualify for regulatory capital relief under APS 120 and therefore does not contribute to the Bank’s Total gross credit risk. The remaining securitisation exposures carry credit risk commensurate with their respective asset classes in accordance with APS 120.

(2) “Credit commitments” and “Derivative instruments” represent the credit equivalent amount of the Bank’s off-balance sheet exposures calculated in accordance with APS 112.

(3) Total loans, advances and other receivables includes receivables due from related parties.

(4) Receivables due from other Banks includes collateral deposits provided to derivative counterparties.

Table 17B

Credit risk by portfolio – 31 March 2013

	GROSS CREDIT RISK EXPOSURE AVERAGE GROSS EXPOSURE IMPAIRED ASSETS PAST DUE NOT IMPAIRED > 90 DAYS 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 Total	34,947 34,444 37 236 6 3 421 406 - 5 - 2 9,204 9,646 - - - - 1 1 - - - - 13,004 12,9691,599136277 79
	57,57757,4661,636 377 283 84

Credit risk by portfolio – 31 December 2012

	GROSS CREDIT RISK EXPOSURE AVERAGE GROSS EXPOSURE IMPAIRED ASSETS PAST DUE NOT IMPAIRED > 90 DAYS 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 Total	33,939 33,413 31 180 5 5 390 394 - 3 - 1 10,086 10,860 - - - - 1 1 - - - - 12,927 13,031 1,829141327 100
	57,343 57,6991,860 324332 106

Table 17C

General reserves for credit losses

	MAR-13 DEC-12 DEC-12 BASEL III BASEL II $M $M $M
General Reserve for Credit losses Collective provision for impairment Ineligible Collective Provisions on Past Due not Impaired Eligible Collective Provisions FITB relating to eligible collective provision Equity Reserve for credit losses	135 141 141 (39) (44) (44)
	96 97 97 - - (29) 136133 133
	232 230 201

APS330 for the quarter ended 31 March 2013

Appendices

Table 18A: Summary of securitisation activity for the period

MAR-13 DEC-12 $M $M EXPOSURES SECURITISED	MAR-13 DEC-12 $M $M RECOGNISED GAIN OR (LOSS) ON SALE
Residential mortgages - -	- -
Total exposures securitised during the period - -	- -

Table 18B(i): Aggregate of on-balance sheet securitisation exposures by exposure type

	EXPOSURE	EXPOSURE
	MAR-13	DEC-12
Exposure type	$M	$M
Debt securities	1,680	1,389
Total on-balance sheet securitisation exposures	1,680	1,389

Table 18B(ii): Aggregate of off-balance sheet securitisation exposures by exposure type

	NOTIONAL	NOTIONAL
	EXPOSURE	EXPOSURE
	MAR-13	DEC-12
Exposure type	$M	$M
Liquidity facilities	64	69
Derivative exposures	2,801	3,148
Total off-balance sheet securitisation exposures	2,865	3,217

Appendix 3 – Definitions

Capital adequacy ratio	Capital base divided by total assessed risk, as defined by APRA
Common equity tier 1	Common equity tier 1 includes ordinary shareholder equity and
	retained profits less tier 1 and tier 2 regulatory deductions
Common equity tier 1 ratio	Common equity tier 1 divided by total assessed risk
Deposit to loan ratio	Total retail deposits divided by Core loans and advances, excluding
	other receivables
Equity reserve for credit	The equity reserve for credit losses represents the difference between
losses	the collective provisions for impairment and the estimate of credit
	losses across the credit cycle based on guidance provided by APRA
Gross non-performing	Gross impaired assets plus past due loans
loans
Impairment losses to gross	Impairment losses on loans and advances divided by gross banking
loans and advances	loans, advances and other receivables
Impairment losses to risk	Impairment losses on loans and advances divided by risk weighted
weighted assets	assets
Past due	Loans outstanding for more than 90 days
Risk weighted assets	Total of the carrying value of each asset class multiplied by their
	assigned risk weighting, as defined by APRA
Total assessed risk	Risk weighted assets, off balance sheet positions and market risk
	capital charge and operational risk charge, as defined by APRA

APS330 for the quarter ended 31 March 2013

Appendices

Appendix 4 – Suncorp Bank updated slide information

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APS330 for the quarter ended 31 March 2013

Appendices

==> picture [468 x 264] intentionally omitted <==

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SUNCORP GROUP LIMITED — Interim / Quarterly Report 2013

65879_rns_2013-04-23_5b9fc160-2451-4be0-a48a-dac3bd2fb3d0.pdf

ASX announcement

SUNCORP BANK APS330 REPORT AND NATURAL HAZARD UPDATE

Key Points – APS330

ASX announcement

General Insurance - natural hazard claims update

Basis of preparation

Disclaimer

Registered Office

Investor Relations

Table of contents

Core Bank

Loans, advances and other receivables

Overview

Personal Lending

Business Lending

Commercial (SME)

Agribusiness

Impairment losses on loans and advances

Impaired and past due asset balances

Impaired assets

Past due (not shown as impaired)

Provision for impairment

Non-core Bank

Loans, advances and other receivables

Overview

Business Portfolios

Development finance

Corporate and Leasing finance

Property investment

Impairment losses on loans and advances

Impaired and past due asset balances

Gross non-performing loans

Impaired assets

Past due (not shown as impaired)

Provision for impairment

Appendix 1 – Consolidated Bank

Loans, advances and other receivables

Appendices

Impairment losses on loans and advances

Impaired asset balances

Provision for impairment

Appendices

Appendix 2 – APS330 tables

Table 16

On balance sheet assets

Off balance sheet positions

Table 17A

Appendices

Table 17A

Table 17A

Appendices

Table 17A

Table 17B

Table 17C

General reserves for credit losses

Table 18A: Summary of securitisation activity for the period

Appendix 3 – Definitions

Appendices

More from SUNCORP GROUP LIMITED

SUNCORP GROUP LIMITED Interim / Quarterly Report 2013