Investor Presentaiton

Good progress against our strategy Focused execution on key priorities is delivering results BOQ GROUP EXCEPTIONAL CUSTOMER EXPERIENCE All brands and channels Solid quality growth across Retail and SME Improving customer experience CLOUD BASED, DIGITAL BANK Differentiated digital bank strategy working Building neo bank capability with known brands and long banking heritage Digital Bank foundations built VMA and BOQ digital transaction and savings in market Leveraging global partnerships SUSTAINABLE PROFITABLE GROWTH Successful acquisition Delivering improved returns and integration of ME Bank Synergies accelerated and increased ME returned to growth Key integration program streams mostly completed Building sustainable profitable returns High quality portfolio and origination, well secured 'Unquestionably strong' capital position Complexity in systems and manual nature of our processes, further maturity required in uplifting risk controls and culture² ENRICHING PEOPLE Increased capability and engagement Engagement scores improved to 67% from 59%1 Experienced leadership team in place with strong execution capability Building an organisational culture where risk is everyone's business BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation (1) Engagement score was 59% as at August 2020, 64% in 2021 (BOQ Group and ME Bank Combined was 63%) and 67% as at September 2022 (2) BOQ has engaged with and expects to continue to engage with regulators in respect of various matters related to operational and financial resilience, and risk culture and governance 18

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