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Suncorp Group Limited Annual Report 2010/11 57

Comparative segment information has been represented to refect the operating segments above which came into effect following the Suncorp Group restructure on 7 January 2011.

BUSINESS AREAS General Insurance Banking Life Corporate

OPERATING SEGMENTS Personal Commercial GI NZ Total Banking Life Corporate Segment total $m $m $m $m $m $m $m $m

2011

Revenue from external customers 5,828 3,601 3,195 12,624 4,545 1,844 19 19,032 Inter-segment revenue 2 3 – 5 65 9 1 80 Total segment revenue 5,830 3,604 3,195 12,629 4,610 1,853 20 19,112 Segment proft (loss) before income tax 93 558 (88) 563 145 223 (239) 692 Segment income tax expense (28) (169) 26 (171) (61) (74) 60 (246) Segment proft (loss) after income tax 65 389 (62) 392 84 149 (179) 446 Other segment disclosures

Interest revenue 187 407 26 620 4,404 49 16 5,089 Interest expense (58) (31) – (89) (3,494) (3) – (3,586) Depreciation and amortisation expense (31) (35) (15) (81) (42) (8) (149) (280) Impairment losses on

banking loans and advances – – – – (325) – – (325) Share of profts of associates

and joint ventures 4 – – 4 – – – 4 Business area assets 24,683 61,131 9,593 14,527 109,934 Business area liabilities (17,005) (57,991) (7,120) (424) (82,540)

2010

Revenue from external customers 4,857 3,687 721 9,265 4,261 1,935 232 15,693 Inter-segment revenue 8 27 – 35 16 22 – 73 Total segment revenue 4,865 3,714 721 9,300 4,277 1,957 232 15,766 Segment proft (loss) before income tax 239 438 97 774 78 310 (41) 1,121 Segment income tax expense (68) (126) (23) (217) (34) (88) 18 (321) Segment proft (loss) after income tax 171 312 74 557 44 222 (23) 800 Other segment disclosures

Interest revenue 134 467 26 627 4,023 205 – 4,855 Interest expense (43) (43) – (86) (3,095) (6) – (3,187) Depreciation and amortisation expense (33) (46) (7) (86) (51) (11) (210) (358) Impairment losses on

banking loans and advances – – – – (479) – – (479) Share of profts of associates

and joint ventures 29 – – 29 – – – 29 Business area assets 21,662 75,771 9,545 397 107,375 Business area liabilities (13,515) (61,879) (6,997) (340) (82,731)