Investor Presentaiton

Industry and geographic split over time¹ Enhanced geographic and sector diversification over time Housing loans - geographic split over time (%) FY22 Balance Outstanding (%) FY17 Balance Outstanding (%) 31% 30% 23% 50% 21% 14% 10% 6% 12% 3% ■ QLD NSW & ACT ■VIC ■WA ■ Other Asset finance - industry segments over time (%) FY22 Balance Outstanding (%) FY17 Balance Outstanding (%) 18% 15% 13% 21% 12% 7% 10% 5% 35% 13% 8% 8% 8% 27% ■Construction Health Care Transport Manufacturing Agriculture Retail Trade ■ Other Business - industry segments over time (%) FY22 Balance Outstanding (%) 32% FY17 Balance Outstanding (%) 29% Property Health Care Construction Total lending - geographic split over time² (%) FY22 Balance Outstanding (%) 32% FY17 Balance Outstanding (%) 38% ■ QLD ■NSW (1) BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation (2) 22% 9% 6% 7% 5% 19% 22% 8% 11% 7% 23% Professional ■Accomodation Agriculture Other 31% 22% 9% 6% 27% 19% 8% 8% ■VIC ■ WA ■Other FY22 includes ME, FY17 has not been restated Excludes consumer BOQ GROUP Summary > Enhanced geographic diversification, Queensland housing portfolio reducing over 4 years from 50% in FY17 to 31% in FY22 > The addition of ME has further diversified the geographic diversity of the housing portfolio > Asset Finance and Business Lending portfolios remain diversified across a broad range of industries 69

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