Investor Presentaiton

For personal use only FY21 RESULTS HIGHER CASH PROFIT DRIVEN BY STRONG QUALITY ASSET GROWTH AND MARGIN MANAGEMENT Key Financial Results FY21 BOQD GROUP FY20 FY21 v FY20¹ BOQ excluding ME Bank FY21 vs FY20 221% 352 206% Statutory net profit after tax ($m) 369 115 Cash earnings after tax ($m) Cash return on average equity (%)² 412 225 83% 389 73% 8.2 5.4 280bps Return on average tangible equity (%) 2,3 10.2 6.9 330bps ▲ Common Equity Tier 1 ratio (%)² 9.80 9.78 2bps Cash earnings per share²,4 Dividend per share 74.7c 49.6c 51% 39c 12c5 27c (1) PCP does not include comparative earnings for ME Bank (2) Including earnings from ME Bank for the period 1 July 2021 to 31 August 2021 (3) Based on after tax earnings applied to average shareholders' equity (excluding shares and treasury shares) less goodwill and identifiable intangible assets (customer related intangibles/brands and computer software) Bank of Queensland Limited 2021 Full Year Results Presentation (4) The basic cash earnings per share for all prior periods have been adjusted for the effects of the Group's capital raise in March 2021 (5) BOQ paid a FY20 dividend of 12c, which represented 6c from 1H20 profits and 6c from 2H20 profits 8

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