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SME BANKING RELIEF PACKAGES AUGUST 2020 DEFERRALS REDUCING SINCE PEAK IN APRIL KEY MESSAGES SME DEFERRAL BALANCES ($BN) 25 • 16% of SME customers currently on deferral 20 21 20 • 37% of SME deferrals relating to healthcare, primarily dental 19 20 15 18% 18% 17% 10 • Individual reviews completed of all loans >$10m not eligible for deferral • Minimal exposure to accommodation and food services (including tourism) SME DEFERRAL BALANCES BY INDUSTRY BOQD GROUP 40% 20 19 30% 17% 16% 20% 10% 5 2.8 2.8 2.7 2.6 2.5 0 r 0% Apr-20 May-20 Jun-20 Jul-20 Aug-20 I Deferral balances ($bn) Number of accounts deferred (000s). Deferral balance as % of total business lending SME DEFERRAL BALANCES BY LOCATION 37% 41% 35% 24% 23% 24% 25% 14% 14% 11%12% 4% 3% 4% 14% 19% 21% 7% 7% 8% 6% 2% 8% 7% 5% 5% 5% <1% 9% 6% Health Care Property Construction Professional Services Agriculture Transport Manufacturing Accommodation Others QLD NSW VIC WA NZ Other & Food Services ■% Deferral balance ■% of SME portfolio balance % Portfolio balance ■% Deferral balance Note: Deferral balances are divided by the total Commercial GLAS to determine the deferral percentage and vary to the APRA definition of loans Bank of Queensland Limited 2020 Full Year Results Presentation 28

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