With what it considers an appropriate funding ratio in place, Suncorp's banking division turned its attention to revitalising its mortgage business during the December half.Going into the global financial crisis, Suncorp was heavily reliant on the capital markets for the funding of its banking business. It has spent a good deal of time post the GFC building up its ratio of deposits to loans.In the June half last year that ratio hit 71 per cent, and stayed at 70 per cent in the December half.Housing loan receivables increased by 4.7 per cent during the half, to A$30.5 billion. It is the first time since 2008 that Suncorp's mortgage book has grown above system.Consumer lending was down 2.1 per cent to A$557 million during the half, and business lending increased one per cent, to A$7.7 billion.Suncorp announced yesterday that its core bank made a net profit of $110 million for the six months to December. The result was down 3.5 per cent on the profit of $114 million reported for the June half, and down 28.6 per cent on the A$154 million profit for theDecember half in 2009.Impairment losses were down a little half-on-half - from A$49 million to A$43 million.The bank's net interest margin was 1.83 per cent, compared with 1.84 per cent in the June half.The cost to income ratio rose from 51.35 per cent in June to 52.9 per cent in the latest half.Suncorp's non-core bank, which is all business in run-off, reported a loss of A$107 million. The non-core bank made a loss of A$74 million in the June half, and A$150 million in the December half, in 2009.The run-off in non-core assets was $2.8 billion, bringing non-core assets down from A$12.6 billion in June to A$9.8 billion in the latest half.