Investor Presentaiton

AVERAGE BALANCE SHEET & MARGIN - FY20 & FY19 BOQD GROUP AVERAGE BALANCE SHEET AND MARGIN ANALYSIS August 2020 (Full Year) $millions INTEREST EARNING ASSETS Gross loans & advances at amortised cost Investments & other securities Total interest earning assets Non-interest earnings assets Average balance $m Interest Average rate Average balance $m % $m August 2019 (Full Year) Interest $m Average rate % 44,375 1,676 3.78% 43,616 1,913 4.39% 7,388 120 1.63% 6,226 145 2.33% 51,763 1,796 3.47% 49,842 2,058 4.13% Property, plant & equipment 157 54 Other assets 1,696 1,594 Provision for impairment -257 -215 Total non-interest earning assets 1,596 1,433 Total assets 53,359 51,275 INTEREST BEARING LIABILITIES Retail deposits 30,378 388 1.28% 29,236 576 1.97% Wholesale deposits & borrowings 17,603 422 2.40% 17,303 521 Total Interest bearing liabilities 47,981 810 1.69% 46,539 1,097 3.01% 2.36% Non-interest bearing liabilities 1,240 876 Total Liabilities Shareholders' funds 49,221 47,415 4,138 3,860 53,359 51,275 Total liabilities & shareholders' funds INTEREST MARGIN & INTEREST SPREAD Interest earning assets 51,763 1,796 3.47% 49,842 2,058 4.13% Interest bearing liabilities 47,981 810 1.69% 46,539 1,097 2.36% Net interest spread 1.78% 1.77% Benefit of net interest-free assets, liabilities and equity 0.13% 0.16% NIM on average interest earning assets 51,763 986 1.91% 49,842 961 1.93% Bank of Queensland Limited 2020 Full Year Results Presentation 41

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