Investor Presentaiton

Strategy The Suncorp Group's purpose is to create a better today for its customers The Suncorp Group's strategy is underpinned by four key priorities: 1 Improving the performance of the core business Ensuring all of the Suncorp Group's people and programs of work are aligned to improve the performance of the core businesses. In Insurance this means reinvigorating the multi-brand strategy; maintaining a disciplined approach to underwriting; developing new and innovative products; maintaining the Suncorp Group's claims capabilities; and using reinsurance to reduce earnings volatility. For banking, the focus is on building digital products and functionality; preparing for open banking; improving broker service levels; and maintaining high credit standards 2 Embracing regulatory change Strengthening trust and improving customer outcomes. Following the Royal Commission into Financial Services, the Suncorp Group is investing in a range of regulatory change projects and sees the new standards as an opportunity to deliver better customer outcomes. Improving shareholder returns is predicated on the Suncorp Group's ability to deliver customer outcomes in a fair, honest and efficient way 3 Leveraging digital investments and data capability Having invested significantly in building digital capability and the ability to utilise and analyse data over the last couple of years, the Suncorp Group has an opportunity to further scale its digital capability to better meet customer needs and reduce the cost to serve 4 Further improve operational efficiency Simplifying the business and embedding process improvement, operational excellence, digital and artificial intelligence into business as usual activities across the Suncorp Group SUNCORP Capital Notes 3 8

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