Investor Presentaiton

4 Transaction consistent with BOQ's Strategy BOQ's strategic focus 1. Multi-channel optimisation 2. Risk/Return balance 3. Operational excellence How does VMA deliver against strategy? VMA brings core competency in online customer acquisition BOQ brand predominantly branch based Broadens BOQ's exposure to different customers and segments Opportunity to further enhance geographic diversification Direct wealth offering ▸ Respective core competencies to be utilised ▸ Opportunity to leverage technology investments across brands 4. Talent, capability & culture ▸ Both BOQ and VMA cultures centred around outstanding customer service ▸ Access to the capability and expertise of the Virgin Group Virgin money Bank of Queensland Limited ABN 32 009 656 740 BOQ Your own personal bank

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