Investor Presentaiton

ASSET FINANCE PORTFOLIO SUMMARY ⚫ Portfolio is well diversified geographically • Broad industry spread reducing concentration ASSET FINANCE BY INDUSTRY ASSET FINANCE BY STATE 17% 32% ■ QLD 8% ■ NSW & ACT ■ VIC 20% ■ WA OTHER 24% ■Construction ASSET FINANCE BY CHANNEL 18% ■ Transport 39% ■Manufacturing 14% ■ Agriculture 9% ■ Retail Trade 9% 11% Other Bank of Queensland Limited 2020 Full Year Results Presentation 3% 3% 64% 9% 21% BOQD GROUP ■ Equipment Finance ■Structured Finance ■ Dealer Finance ■ Vendor Finance ■ Cash Flow Finance 58

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