Investor Presentaiton

Funding Summary > Loan growth funded through stable funding sources, including customer deposits and long term wholesale funding > Deposit to loan ratio of 74% despite the increase in loan growth in the year Uses & sources of funding - FY21 to FY22 ($bn) FUNDING USES FUNDING SOURCES 0.8 (5.5) 4.0 (3.0) 2.3 (5.0) 6.4 Lending Assets Liquid Assets Long Term and other Wholesale Asset Growth 1 Maturities Long Term Wholesale Funding Issuance Short Term Wholesale Funding Customer Deposits Other Deposit to loan ratio (%) BOQ GROUP 70% 74% 75% 74% FY192 FY202 FY21 Customer at call deposit funding costs³ $29.3bn FY22 $16.8bn 59% 45% 4% 7% 17% 8% 31% 30% FY20 FY22 10%≤0.05% 0.05%≤0.25% ■>0.25%≤0.50% >0.50% (1) Other assets comprises of movements in derivatives, collateral, operating accounts and other non ESA cash accounts (2) Period excludes ME Bank BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation (3) Funding mix is presented on a spot basis. FY20 funding mix and customer deposit data does not include ME 76

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