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Investor Presentaiton

FUNDING & LIQUIDITY RESILIENT FUNDING & LIQUIDITY PROFILE WITH STRATEGIC OPTIONS TO GROW SUMMARY Deposit to loan ratio of 74% . Strong customer deposit growth during FY20 • Reduced reliance on short term wholesale funding . • Term funding facility providing additional funding capacity to lend to businesses BOQ redeemed Wholesale Capital Notes in May 2020 following approval granted by APRA, a new issue of ASX-listed Additional Tier 1 capital notes remains under consideration subject to market conditions and relevant approvals1 CUSTOMER DEPOSITS ($BN) +7% 31.3 32.4 34.7 2.0 2.3 2.8 16.5 16.2 15.1 10.2 11.2 13.3 26 27 3.5 FY18 FY19 FY20 BOQD GROUP FUNDING MIX ($BN) +1% 48.1 50.3 50.8 31.3 32.4 34.7 6.8 5.9 4.8 10.0 12.0 11.3 FY18 FY19 FY20 ■Long Term Wholesale ■Short Term Wholesale ■Customer Deposits TERM FUNDING FACILITY ($BN)² 2.6 0.8 1.8 0.6 ADDITIONAL CAPACITY 1.2 0.8 1.4 Transaction Accounts Savings and Investments Term Deposits Mortgage Offsets TFF Drawn Amount ■Initial Allowance Additional Allowance Supplementary Allowance FY21 Senior Maturities (1) Any offer of ASX-listed Additional Tier 1 capital securities by BOQ will be made under a prospectus which will be made available when the securities are offered. If an offer is made, eligible applicants wishing to apply will need to do so in accordance with the instructions set out in the prospectus Bank of Queensland Limited 2020 Full Year Results Presentation (2) As at 1 September 2020. The Additional Allowance provided by the RBA is subject to change 23
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