Investor Presentaiton

For personal use only LENDING AND DEPOSIT GROWTH1 STRONG ABOVE SYSTEM GROWTH IN HOME LENDING WITH A TURNAROUND IN THE BUSINESS BANK BOQD GROUP GROWTH IN LENDING GLAS ($M)² GROWTH IN CUSTOMER DEPOSITS ($M) 3,546 3,270 2,334 198 2 759 400 1,103 1,537 827 1,112 264 937 141 151 659 15 2,946 239 1,364 1,399 343 600 508 (567) (14) (39) FY19 FY20 FY21 FY19 FY20 FY21 Housing ■Commercial Consumer Asset finance³ ■Retail Bank Business Bank Other Deposits4 GROWTH IN HOUSING GLAS ($M) GROWTH IN BUSINESS LENDING GLAS ($M) 2,946 810 141 508 1,430 626 476 508 914 714 1,040 (1,399) (714) 154 358 598 659 198 15 249 237 400 106 151 FY19 FY20 FY21 Virgin Money BOQ Specialist Housing BOQ Housing5 (1) Excluding ME Bank (3) FY19 FY20 FY21 ■BOQ Specialist Commercial ■BOQ Commercial Asset Finance³ Bank of Queensland Limited 2021 Full Year Results Presentation (4) Other Deposits mainly includes treasury deposits (5) BOQ Housing includes housing loan growth in both the Retail Bank and BOQ Business (2) BOQ Specialist working capital products have been reclassified from consumer to commercial lending for all periods (3) BOQ Specialist Asset Finance products have been reclassified from commercial lending for all periods 10

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