Slide 1: FY26 Financial Results
| Financial Results v for the year ended 30 June 2026 12 August 2026 FY26 Financial Results 1
Slide 2: FY26 Overview
| FY26 Overview Steve Johnston Chief Executive Officer & Managing Director FY26 Financial Results | 2
Slide 3: FY26 highlights
FY26 Financial Results | 3 FY26 highlights Growth in underlying earnings with resilient margins at the top end of target range Strong balance sheet and disciplined capital management enabling capital returns to shareholders Top line growth across Consumer, Commercial and Personal Injury and direct N
Slide 4: Result overview
FY26 Financial Results | 4 Result overview ꟷ Underlying earnings increased 4.5% Underlying insurance Cash earnings ꟷ Resilient margins retained at the top end of the range trading result $1,042m $1,636m ꟷ GWP growth across Consumer, Commercial & Personal Injury and direct New Zealand portfolios ꟷ Ca
Slide 5: Strong balance sheet through disciplined and active capital management
FY26 Financial Results | 5 Strong balance sheet through disciplined and active capital management ꟷ Strong and well managed balance sheet with $518m Final dividend excess to mid-point of CET1 target range providing Representing a payout 52 cps capital flexibility1 ratio of 71% of cash ꟷ Excess capit
Slide 6: Gross written premium
FY26 Financial Results | 6 Gross written premium Group Consumer Home ꟷ GWP growth of 3.6% when normalising for foreign exchange movements 2.7% 5.9% ꟷ Organic unit growth in both the Home and Motor portfolios in Australia ꟷ Enhanced risk selection and pricing capabilities enabling growth in low risk,
Slide 7: Supporting our customers and communities through response and recovery efforts
FY26 Financial Results | 7 Supporting our customers and communities through response and recovery efforts 120,000 $2.0bn On-the-ground support to over 1,900 Natural customers in 45 communities through Natural Mobile Hubs and community forums hazard claims1 hazard costs2 Home: 62,700 Commercial: 7,50
Slide 8: FY26 Financial Results
| FY26 Financial Results Jeremy Robson Chief Financial Officer FY26 Financial Results | 8
Slide 9: FY26 financial highlights
FY26 Financial Results | 9 FY26 financial highlights Performance Disciplined capital management Underlying earnings up 4.5% to $1.6bn $400m buy-back completed in FY26 10 cps special dividend Increased in all portfolios on a constant currency basis 23m shares or 2% of shares outstanding cancelled Ful
Slide 10: Underlying margin
FY26 Financial Results | 10 Underlying margin ꟷ FY26 underlying ITR at the top end of the 10-12% target range UITR outlook ꟷ Consumer margin improvement supported by continued earn through of pricing initiatives across the portfolio 11.8% ꟷ C&PI margin driven by pricing in CTP and Workers’ Compensat
Slide 11: Consumer
FY26 Financial Results | 11 Consumer GWP growth Underlying ITR walk Unit AWP 9.6% 1.5% (1.2%) 9.9% 5.8% 5.9% 0.2% 5 1.0% Pricing for input costs 5.7% and modest 4.8% unit growth FY26 Motor FY26 Home FY27 Outlook FY25 Home Motor FY26 ꟷ GWP growth of 5.8% in Motor and 5.9% in Home supported by both St
Slide 12: Commercial & Personal Injury
FY26 Financial Results | 12 Commercial & Personal Injury GWP walk Underlying ITR walk ($m) 11.0% 10.3% 4,538 (1.6%) 2.3% 31 80 4,343 70 78.4% 14 FY25 Platform Commercial Compulsory Workers’ FY26 Business (Tailored lines) Third Party Compensation FY25 Commercial Personal Injury FY26 ꟷ Continued stron
Slide 13: New Zealand
FY26 Financial Results | 13 New Zealand GWP walk Underlying ITR walk (NZ$m) 2,896 0.2% (62) 2,834 (16) 32 (94) 2,756 (0.5%) 0.4% 19.5% 19.4% FY25 Brokered FY25 - Direct IntermediatedIntermediated FY26 FY25 Direct Intermediated Intermediated FY26 book loss Adjusted Consumer Consumer Commercial Consum
Slide 14: GWP growth
FY26 Financial Results | 14 GWP growth ꟷ Consumer growth to be driven by pricing in FY27 GWP growth outlook home and motor reflecting ongoing (%) inflationary pressures ꟷ Commercial growth driven by Vero speciality lines, fleet, NTI, and rate remediation in Platforms ꟷ Personal Injury growth in line
Slide 15: Reinsurance
FY26 Financial Results | 15 Reinsurance ꟷ Reinsurance is managed through lens of FY27 reinsurance program long-term shareholder value creation ($m) ꟷ FY27 reinsurance program maintains an 6,400 appropriate balance between cost, earnings volatility and capital efficiency ꟷ 5-year aggregate reinsuranc
Slide 16: Investment market impacts
FY26 Financial Results | 16 Investment market impacts ꟷ Underlying investment yields remain strong Underlying yield Portfolio asset allocation (Group) supported by higher interest rate environment Australia insurance funds % of total investment assets ꟷ Total investment income reflects mark-to- 5% I
Slide 17: Operating expenses
FY26 Financial Results | 17 Operating expenses ꟷ Total expense ratio improved 50 basis Operating expenses1 Total expense ratio points reflecting disciplined cost ($m; excluding restructuring, ESL and TEPL) (Operating expenses and commissions management and revenue growth % of net incurred revenue) ꟷ
Slide 18: Capital
FY26 Financial Results | 18 Capital ꟷ Capital position remains strong Excess Common Equity Tier 1 capital ꟷ Completed $400m buy-back in FY26 ($m) ꟷ An additional buy-back of up to $250m announced for FY27 700 ꟷ Special dividend of 10cps to be paid (57) ꟷ $162m pro-forma excess to mid-point of CET1 5
Slide 19: Margin resilience and upside
FY26 Financial Results | 19 Margin resilience and upside Underlying margin resilience Reported margin – Natural hazard upside opportunity 15 Year Back-test of NH Experience vs. NHA1 Robust natural hazard allowance Earnings upside Earnings downside Potential upside Resiliency buffer included in NHA f
Slide 20: Strategy & Outlook
| Strategy & Outlook Steve Johnston Chief Executive Officer & Managing Director FY26 Financial Results | 20
Slide 21: Purpose driven, delivering strong outcomes for the long term
FY26 Financial Results | 21 Purpose driven, delivering strong outcomes for the long term
Slide 22: FY27-29 priorities
FY26 Financial Results | 22 FY27-29 priorities Purpose Building futures and protecting what matters Portfolios Motor Home Commercial Personal Injury New Zealand Protection & prevention solutions Pricing & underwriting Leadership in claims Portfolio priorities Enhanced customer distribution Different
Slide 23: Advancing Suncorp’s transformation
FY26 Financial Results | 23 Advancing Suncorp’s transformation Building a simplified, modernised pure-play insurer positioned to deliver sustainable shareholder returns and seamless customers experiences 2019 - 2025 2020 - 2026 2026+ Future state Investing in pure-play Leveraging the Simplifying Res
Slide 24: Momentum on AI strategy execution
FY26 Financial Results | 24 Momentum on AI strategy execution Scaled adoption across the insurance value chain, underpinned by solid foundations Strong foundational capabilities Customer Engagement Claims Pre-Lodgement Voice Agent Conversational AI Agentic Technology foundations • Core AI technologi
Slide 25: FY27 Outlook
FY26 Financial Results | 25 FY27 Outlook GWP growth expected to be between 3% and 5% reflecting pricing for ongoing inflationary pressures in the Consumer and Gross written premium Personal Injury portfolios, partially offset by ongoing softness in the commercial market. This assumes an FY27 average
Slide 26: Questions
| Questions FY26 Financial Results | 26
Slide 27: Important Disclaimer
FY26 Financial Results | 27 Important Disclaimer This presentation contains general information which is current as at 12 August 2026. It is information given in summary form and does not purport to be complete. It is not a recommendation or advice in relation to Suncorp Group Limited (Suncorp) or a