Investor Presentaiton

Customer migration approach Clear plan for customer migration to ensure good customer experience and retention EXCEPTIONAL CUSTOMER EXPERIENCE Seamless migration of customers enabled by robust technology approach › Retention of account number, BSB and existing direct payment and deposit details > Minimise potential friction points to reduce risk of churn CLOUD BASED, DIGITAL BANK Retail me BOQ Virgin money > ME customer data cleaned and products simplified, during migration to Temenos V.18. > Payments Hub facilitates account number retention > ME deposit only customers of (c.300k¹) will be migrated to new cloud digital bank first > ME home loan and remaining deposit customers c.200k migrated once digital mortgage in place, ME core bank retired > BOQ/VMA customers c.500k migrated after ME > Complex home loan customers and small retail business customers migrated to business bank core Business BOQ GROUP BOQ BOQ BOQ BUSINESS FINANCE SPECIALIST > Most customers already in end-state core banking system, thus not requiring migration › Leasing - c.60k, on InfoLease 10 platform already, not requiring migration > BOQS Temenos v.22 will be business bank core banking system. c.30k customers already on this system > c.10k relationship managed business customers will be migrated onto new Temenos v.22 core system BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation (1) Includes dormant customers requiring migration 25

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