Investor Presentaiton

Diversified quality lending and deposit growth across retail and business banking Solid lending growth continuing with uplift in housing and business lending BOQ GROUP Growth in lending GLAS ($m)1 +164% 5,502 96 1,064 34.7 2,082 3.6 2.8 827 198 4,391 508 343 15 400 1,518 13.3 Customer deposit balances ($bn)1 +7% 60.5 5.8 6.4 23.3 25.1 56.5 4.8 5.4 24.3 15.0 22.0 (39) (34) (49) FY20 FY21 FY22 FY20 FY21 FY22 Housing Business Consumer ■Asset Finance ■Term Deposits I Savings & Investments ■Transaction Accounts Offsets Growth in housing GLAs ($m)¹ Growth in business lending GLAs ($m)1 1.0x system² SME: 1.5x system³ Corporate: 0.6x system³ +94% +189% 1,518 508 1,430 714 476 508 1,040 (714) (1,428) FY20 ■ME FY21 FY22 ■Virgin Money ■BOQ Specialist ■BOQ Housing 4,391 358 598 1,470 579 15 198 1,206 237 249 1,136 106 151 FY20 FY21 FY22 ■BOQS Business Loans BOQ Business Loans Asset Finance 1,160 96 975 89 (1) FY20 does not include ME Bank, all other comparative periods prior to FY22 are on a pro forma basis (2) APRA monthly banking statistics August 2022 (3) BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation SME and Corporate system growth represents the latest available RBA data as at July 2022. RBA figures include both business lending and asset finance balance growth. The RBA definition of SME will not directly correlate to the BOQ internal definition 11

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