Investor Presentaiton

Abbreviations BOQ GROUP 1H: First half of financial year 2H: Second half of financial year 30DPD: 30 days past due 90DPD: 90 days past due AASB: Australian Accounting Standards Board ADI: Authorised Deposit-taking Institution APRA: Australian Prudential Regulation Authority ASIC: Australian Securities & Investments Commission AUC: Assets Under Construction Avg: Average BAU: Business As Usual BBSW: Bank Bill Swap Rate BDD: Bad & Doubtful Debt Expense BOQS: Bank of Queensland Specialist BOQF: Bank of Queensland Finance bps: basis points CAGR: Compound annual growth rate CET1: Common Equity Tier 1 CP: Collective Provision cps: cents per share CTI: Cost-to-income ratio CLF: Committed Liquidity Facility DPD: Days past due EPS: Earnings per Share ESA: Exchange Settlement Account ERP: Enterprise Resource Planning FTE: Full Time Equivalent FY: Financial year GDP: Gross Domestic Product GLA: Gross Loans & Advances GRCL: General Reserve for Credit Losses HQLA: High Quality Liquid Assets LCD: Low cost deposit LCR: Liquidity Coverage Ratio LGD: Loss Given Default LIE: Loan Impairment Expense LOC: Line of Credit LVR: Loan to Valuation Ratio MFI: Main Financial Institution NIM: Net Interest Margin NII: Net Interest Income NM: Not meaningful NPAT: Net Profit After Tax NPS: Net Promoter Score NSFR: Net Stable Funding Ratio OMB: Owner Managed Branch OIS: Overnight Index Swap PAYG: Pay As You Go PCP: Prior Corresponding Period PD: Probability of Default QE: Quantitative Easing RBA: Reserve Bank of Australia ROE: Return on equity ROTE: Return on tangible equity RWA: Risk-weighted assets SaaS: Software as a Service SME: Small and Medium Enterprises TD: Term deposit TFF: Term Funding Facility VMA: Virgin Money Australia BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation 82 62

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