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Investor Presentaiton

Business banking overview BOQ GROUP Summary > Total income grew 7%, reflecting strong lending balance growth of 8% and focused margin management in an environment of increasing competition > Lending momentum was underpinned by above system growth in SME ($0.6bn) and housing ($0.6bn), and $0.5bn of additional lending to large corporates > The business remained focused on portfolio optimisation and delivering improved risk adjusted returns during the year > $0.9bn of growth in customer deposits, helping to support asset growth across the Group > Ongoing supply chain issues subdued growth across the BOQ Specialist asset finance portfolio, offset by solid growth in BOQ Finance › An ongoing focus on policy, process and technology enhancements continues to deliver benefits to customers and our people Strong housing and business lending growth ($bn) 1.1 0.2 0.4 0.5 FY21 Housing & Consumer +55% 1.8 0.1 1.1 0.6 FY22 Business Asset Finance Uplift in deposit funding ($bn) 10.8 1.4 1.1 6.4 +8% 11.7 2.0 1.3 6.2 BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation 1.9 2.2 FY21 FY22 ■Transaction Accounts ■Savings & Investments Offsets ■Term Deposits 58
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