Investor Presentaiton

BOQ GROUP BOQ Unique brands in niche segments serving customers for 148 years Our differentiators > Unique brands with proud history > Deeply anchored in local communities > Highly specialised bankers, within niche industry segments > Building an innovative digital offering and loyalty Our distinctive brands Key statistics for FY22 c.1.3m1 Customers c.530k BOQ Retail c.240k VMA c.350k ME1 c.10k BOQ Business c.34k Specialist c.80k Finance c.50k Retail small business Retail Banking Human, empathetic relationship-led BOQ banking Business Banking 36 154 Branches² ME Mobile & Direct c.3.3k Employees $142b3 Virgin The digital bank money of bigger me possibilities The bank helping all Australians get ahead Bankers >900 OMB Employees Footings BOQ BOQ BUSINESS BOQ FINANCE SPECIALIST Specialised banking solutions that meet core business and personal needs 74% Deposit-to- Loan Ratio 2.98%4 Market share - Housing 1.54%4,5 Market share - Business (1) FY22 ME customer numbers adjusted to align to BOQ Group active customer definition which excludes dormant customers Total branches includes transaction centres Footings means gross loans and advances plus customer deposits Internal BOQ Analysis and APRA monthly authorised deposit-taking institution statistics excluding International banks, August 2022 (5) Excluding BOQF (2) (3) (4) BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation 45 45

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