Investor Presentaiton
Funding & liquidity
Increasing deposit portfolio supporting business growth
Summary
> Deposit to loan ratio broadly stable at 74%
> Growth in transaction accounts of 19%
> Cash rate increases driving growth in term deposits as customers seek yield
following a low interest rate cycle
> Term deposits currently providing favourable funding source due to pricing
compared to BBSW, $1.7bn is new money
> Long term wholesale funding increased to replace CLF
> FY22 LCR of 139% and NSFR of 125%
Funding mix ($bn)1
91.5
83.5
19.4
17.7
50.8
11.6
9.3
11.3
4.8
34.7
56.5
60.5
BOQ GROUP
FY20
FY21
FY22
■Customer Deposits Short Term Wholesale
Long Term Wholesale
Customer deposit balances ($bn)1
Long term wholesale funding ($bn)²
60.5
56.5
17.7
19.4
5.8
4.8
5.4
6.4
1.0
1.8
11.3
34.7
3.0
3.0
3.6 2.8
24.3
23.3
0.8 0.7
3.7
4.6
13.3
2.4
2.5
4.0
22.0
25.1
2.4
15.0
7.6
7.5
3.4
FY20
FY21
FY22
FY20
FY21
FY22
■Term Deposits Savings & Investments Transaction Accounts Offsets
■Securitisation Covered Bonds Senior Unsecured TFF Additional Tier 1 Notes/Subordinated Debt
BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation
(1) FY20 does not include ME Bank, all other comparative periods prior to FY22 are on a pro forma basis
(2) $0.3b additional tier 1 capital notes are included in 'other equity instruments' in the Financial Statements. Upon ADI licence handback completed on 28 February 2022,
these notes, which were originally issued by ME, formed part of the Group's capital adequacy
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