Investor Presentaiton

For personal use only LIQUIDITY 2.8% 0.4% (4.9%) 4.6% SUMMARY Strong liquidity with LCR at 149% and NSFR at 122%, well above regulatory targets at the end of 2H21 • Customer deposits grew by $3.3 billion or 9% on FY20, consistent with the Bank's strategy to increase stable sources of funding while also reflecting ongoing high levels of liquidity in the market • Well positioned to support future growth NSFR MOVEMENT 117.9% 1.0% Feb 2021 Capital Customer deposits Bank of Queensland Limited 2021 Full Year Results Presentation BOQD GROUP (0.6%) 122.2% 3.7% (2.7%) Wholesale Liquid assets Residential Other loans Other assets funding & other liabilities mortgages ≤ 35% LCR MOVEMENT 37.9% (13.3%) (14.4%) (14.8%) (3.6%) 182.4% (34.5%) ME Bank Aug 2021 9.5% 149.2% Feb 2021 HQLA1 Internal RMBS Other ALA Customer deposits Wholesale funding Other cash outflows ME Bank Aug 2021 60

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