Investor Presentaiton

SME LOAN DEFERRALS – RISK CATEGORISATION AUGUST 2020 RISK CATEGORISATION BY NUMBER OF ACCOUNTS RISK CATEGORISATION BY EXPOSURE 43% 46% 37% 19% 56% 34% 25% 74% 12% 71% 2% 8% 38% 18% 88% 15% 48% LOW RISK 5% Category 1 10% Category 2 33% 10% 11% HIGH RISK LOW RISK ■BOQ Commercial Category 3 BOQF BOQS Category 4 Category 1 • BOQS portfolio expected to outperform due to the flexibility of medical professionals to adjust working hours and pent up demand for elective surgery Bank of Queensland Limited 2020 Full Year Results Presentation BOQD GROUP 46% 10% 10% 23% 4% 15% 59% 29% 62% 37% HIGH RISK Category 2 Category 3 Category 4 ■BOQ Commercial BOQF BOQS • ⚫ 20% of the SME portfolio on deferral are considered 'high-risk' and likely to require support beyond the 4 month extension 54

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