Investor Presentaiton

11 Morgan's Queensland Investor Conference Suncorp Bank Operating Environment Considerations for Suncorp Bank Current operating environment >>> Low credit growth and interest rate environment >>> >>> APRA's increase in major bank risk weightings for residential mortgages to at least 25% (from 16%) levels the competitive landscape Ongoing competition for retail and business lending >>> Increasing regulatory compliance >>> >>> Subdued business confidence and political uncertainty although recent signs of improvement Prolonged drought conditions in Queensland and Northern NSW challenging agribusiness credit growth Suncorp Bank opportunities One Company SUNCORP Many Brands GROUP » Leverage A+/A1 credit rating, strong funding and capital position to improve on 3% mortgage market share >>> >>> >>> » Ongoing investment in channel and geographic expansion with well supported home lending campaigns during FY15 Leverage 'Bank of the Year' awards Growing the core franchise through 'connected customer' relationships Delivery of Project Ignite will enable timely responses to changing customer needs and market competition to support future growth Suncorp Bank's advanced risk management tools will inform decision making in line with its conservatively-set risk appetite Group-led customer base initiatives will help support growth in highly competitive segments A long history in agribusiness, a collaborative customer approach and a clear risk appetite continues to guide decisions around new business and management of customers in drought-affected areas Suncorp Group Limited October 2015

View entire presentation