Investor Presentaiton

SME LOAN DEFERRALS AUGUST 2020 BOQD GROUP SUMMARY • 16% of SME customers on BRP as at August Deferral balances continue to reduce since the peak in April • Proactive approach to working with SME customers to understand customer needs and impact • 37% of deferrals relating to medical professionals with dentists representing 46% of deferred loans in the BOQ Specialist deferral portfolio SME DEFERRAL BALANCES RELATING TO PROPERTY, CONSUMER FACING & MEDICAL SEGMENTS Property Property & & Consumer Consumer SME DEFERRALS – BALANCES & ACCOUNT NUMBERS4 25 25 20 20 40% 21 19 20 20 19 30% 15 18% 18% 17% 17% 16% 20% 10 10% 5 2.8 2.8 2.7 2.6 2.5 0 0% Apr-20 May-20 Jun-20 Jul-20 Aug-20 Deferral balances ($bn) Number of accounts deferred (000s). Deferral balance as % of total business lending SME DEFERRALS - BY CHANNEL Total Total ($m) (%) ($m) (3) (%) (3) Property Property Facing (2) Facing (2) Medical Medical Related (1) Related (1) ($m) (%) ($m) (%) 40% 36% 39% Deferral 33% 631 25% 170 7% 936 37% 2,500 69% 25% 27% Portfolio % of Total SME Portfolio 26% 5% 24% 55% BOQ Commercial BOQ Finance BOQ Specialist ■% Deferral balance ■% Portfolio balance Bank of Queensland Limited 2020 Full Year Results Presentation (1) Property & property related includes commercial real estate, property & business services i.e. construction, real estate agents (2) Consumer facing includes retail trade, tourism, hospitality and entertainment (3) Total is the aggregated deferrals from Property & Property Related, Consumer Facing and Medical (4) SME deferral balance percentages are calculated using Commercial and BOQ Finance gross loans and advances 52

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