Investor Presentaiton

DISTRIBUTION FOOTPRINT MOVEMENTS BOQD GROUP Aug-20 Corporate branches QLD 33 NSW / ACT 9 VIC WA NT TAS SA Total 9 12 63 Owner managed branches 58 18 10 6 2 95 Transaction centres 7 - - - 7 98 27 19 18 1 2 165 Aug-19 QLD NSW/ACT VIC WA NT TAS SA Total Corporate branches 34 10 9 12 Owner managed branches 58 18 10 6 Transaction centres 7 - - 99 28 19 18 1 1212 557 65 95 167 CORPORATE, OWNER MANAGED BRANCHES & TRANSACTION CENTRES Summary of changes Corporate closure OMB closure OMB to corporate Corporate to OMB OMB to OMB sale New branch opening Total changes Bank of Queensland Limited 2020 Full Year Results Presentation FY20 Actual YTD Gross Net 1 1 1 1 2 0 3 0 3 0 0 0 10 2 35

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