With no non-core bank losses to report, Suncorp Bank left its GFC legacy behind in the 2013/14 financial year. The bank made a A$228 million contribution to Suncorp's group earnings, after making a loss of $343 million in 2012/13.Suncorp sold the majority of its impaired commercial real estate and corporate loan book to Goldman Sachs in June last year and has been running off the remnants since then.With the monkey off its back it has been able to allocate capital for two major projects. It is preparing for Basel II advanced accreditation and it is building a new core banking platform.Like Bendigo and Adelaide Bank earlier in the week, Suncorp reported fairly modest growth in lending and deposits. The value of loans and advances grew by just 3.6 per cent. Excluding the run-off of remaining non-core loans, the growth was five per cent - a performance the group described as "slightly below target".Home lending was up five per cent to $39 billion.This asset growth has been supported by a "conservative funding strategy". The ratio of deposits to loans increased from 65.5 per cent to 65.8 per cent.Net interest income was up 2.5 per cent year-on-year to $1 billion and total income from banking activities was up 3.9 per cent. Operating expenses rose just 0.8 per cent.The bank's net interest margin increased eight basis points to 1.72 per cent, compared with the previous year.The bad debt charge fell 66.9 per cent from $375 million to $124 million.One area of concern was the bank's agribusiness exposure. As a result of drought in Queensland and parts of New South Wales, impaired agribusiness loans grew from $139 million in 2012/13 to $208 million in the year to June.