Investor Presentaiton

SUPPORTING OUR CUSTOMERS & PEOPLE THE ECONOMIC IMPACT OF COVID-19 HAS BEEN SIGNIFICANT BOQD GROUP OUR BUSINESS RESILIENCE · • · · CET1 at 9.78%, materially above APRA's "unquestionably strong" benchmark Strong liquidity with LCR at 164% and NSFR at 119%, well above regulatory targets Term Funding Facility at 25bps, providing capacity for lending to businesses • Well provisioned for potential losses - $133m COVID-19 collective provision raised in FY20 OUR CUSTOMERS • . All operations including branches have remained open for customers . . • Supported customers through Banking Relief Package and other product offerings including government SME loans Proactive contact with customers on the Banking Relief Package at 3 months and 6 months Working with customers who require additional support post the 6 month repayment holiday We have seen an 18.8% reduction in customer balances on deferrals since April 2020 OUR PEOPLE • • • Workforce quickly pivoted to remote working capabilities while continuing to support our customers Providing a safe environment for our people coming into work by implementing social distancing, COVID Safe Plans, temperature checking and enhancing other health and safety measures Supported employee wellbeing through counselling, appointment of COVID-19 advisory services, mental health information and training and flexible working arrangements Bank of Queensland Limited 2020 Full Year Results Presentation 8

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