Investor Presentaiton

NOT FOR DISTRIBUTION OR RELEASE IN THE UNITED STATES Important notice and disclaimer Important notice This presentation (Presentation) has been prepared by Bank of Queensland Limited, ABN 32 009 656 740 (BOQ). This presentation has been prepared in relation to an accelerated renounceable entitlement offer (Entitlement Offer) of new ordinary shares in BOQ (New Shares), to be made under section 708AA of the Corporations Act 2001 (Cth) (Corporations Act) as modified by ASIC Class Order [08/35]. The Entitlement Offer will be made to: ▸ eligible institutional shareholders of BOQ (Institutional Entitlement Offer); and 4 eligible retail shareholders of BOQ (Retail Entitlement Offer). In this Presentation the Entitlement Offer is referred to as the Offer. Summary information The information contained in this Presentation is of a general nature and does not contain all of the information that a prospective investor may require in evaluating a possible investment in BOQ or that would be required in a prospectus or product disclosure statement prepared in accordance with the requirements of the Corporations Act. No representation or warranty, express or implied, is provided in relation to the accuracy or completeness of the information. None of the underwriter, nor any of their respective advisers, nor the advisers to BOQ or any other person including sources named in this document, have authorised, permitted or caused the issue, submission, dispatch or provision of this Presentation and, except to the extent referred to in this Presentation, none of them makes or purports to make any statement in this Presentation and there is no statement in this Presentation which is based on any statement by any of them. Statements in this Presentation are made only as of the date of this Presentation unless otherwise stated and the information in this Presentation remains subject to change without notice. The historical information in this Presentation is, or is based upon, information that has been released to the market. It should be read in conjunction with BOQ's other periodic and continuous disclosure announcements to ASX available at www.asx.com.au. Unless otherwise indicated, all references to BOQ's 1H14 and FY2013 results in this Presentation are references to BOQ's reviewed results for the relevant half year or audited results for the relevant financial year. Not an offer This Presentation is not a prospectus, disclosure document, product disclosure statement or other offering document under Australian law or under any other law. It is for information purposes only and is not an invitation nor offer of securities for subscription, purchase or sale in any jurisdiction. Any decision to purchase New Shares must be made on the basis of the information to be contained in a separate offer document or documents to be prepared and issued to eligible investors. The retail offer booklet for the Retail Entitlement Offer will be available following its lodgement with ASX. Any eligible retail shareholder who wishes to participate in the Retail Entitlement Offer should consider the retail offer booklet in deciding to apply under that offer. Anyone who wishes to apply for New Shares under the Retail Entitlement Offer will need to apply in accordance with the instructions contained in the retail offer booklet and the entitlement and application form. This Presentation does not constitute financial product advice and does not and will not form any part of any contract for the acquisition of New Shares. 2 IT'S POSSIBLE to LOVE A BANK BOQ

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