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Investor Presentaiton

Executing on the ME integration Integration program well progressed and synergies ahead of schedule www BOQ GROUP L ME returned to growth Improved time to yes Centralised product and pricing capability $1.1bn GLA growth in FY22 compared to $1.4bn GLA decline in FY21 (pre- ownership) Single ADI ME Bank ADI licence handed back Consolidated Treasury and Balance sheet technology Synergy and integration cost profile Technology integration well progressed Upgrade to v.18 of Temenos completed and decommissioned Ultracs (7 apps, 51 servers) Migrated c.500k customers from Temenos v.13 to v. 18, c.30k customers from Ultracs to v.18 Consolidated team and capability build Single executive team with leadership teams drawn from 'best of both' Capability uplifts acquired in technology and marketing Outperformed on synergy benefits delivered Synergies accelerated and increased Integration costs in line with initial target Sources of annualised synergies to date FY21 FY22 FY23 FY24+ Synergies annualised run rate $47m c.$70 - $80m $95m+ Delivered percentage¹ 63% 100% 125%+ Integration costs² Cumulative $13m $13m $81m c.$40m c.$5m $94m c.$135m c.$140m (1) BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation (2) Based on $75m mid-point of synergies range Integration costs are not included in cash earnings ■ Operating Model Project Propex Supply Chain ■ Other 52 52
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