Investor Presentaiton

Net interest margin Underlying 2H22 NIM up 4bps from funding cash rate benefits, partially offset by continued impact of competition Summary > NIM recovery in 2H22 with funding cost and replicating portfolio benefits offsetting increasing competition impacts > Fixed rate lending impacts peaked and reversed > Competition continuing to impact front to back book Net interest margin – FY21 to FY22 (%) - (0.34%) 0.28% 0.03% (0.03%) 1.86% > Funding costs continued to benefit from changes to deposit rates and improved wholesale funding costs > Increased liquidity build to enable CLF reduction Net interest margin - 1H22 to 2H22 (%) (0.15%) 1.74% -6bps fixed spreads and mix -6bps housing FTBB -2bps business FTBB -1bp asset portfolio mix 1H22 1.80% BOQ GROUP (0.06%) 1.74% FY21 Asset pricing and mix Retail & wholesale Capital and low funding costs cost deposits and mix 3rd party costs and other FY22 (excl. Liquidity) Liquidity FY22 (incl. Liquidity) Underlying +4bps 0.08% (0.02%) 0.13% +8bps savings accounts +3bps term deposits +2bps wholesale funding 1.78% Q4 NIM 1.81% (0.03%) 1.75% Asset pricing and mix Retail and wholesale funding costs Capital and low cost deposits 3rd party costs and other 2H22 (excl. Liquidity) Liquidity 2H22 (incl. Liquidity) BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation and mix Note: All comparative periods prior to FY22 are on a pro forma basis 31

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