Investor Presentaiton

HOUSING LOAN BANKING RELIEF PACKAGES AUGUST 2020 DEFERRALS REDUCING SINCE PEAK IN APRIL BOQD GROUP KEY MESSAGES 12% of home loan customers currently on deferral Housing deferrals have average LVR of 65% 92% of BRP customers have an LVR of less than 90% HOME LOAN DEFERRAL BALANCES ($BN) 15 20% 15% 15% 15% 13% 15% 12% 10 10% 13 13 12 11 5 • 30% of housing deferral customers are more than 3 payments in advance 4.8 4.5 0 Apr-20 May-20 Deferral balances ($bn) 11 5% 4.7 3.9 3.7 0% Jun-20 Jul-20 Aug-20 Number of accounts deferred (000s) Deferral balance as % of total home lending HOME LOAN DEFERRAL BALANCES BY LVR (%) HOME LOAN DEFERRAL BALANCES BY STATE 8% 14% ■ Up to 40% 16% 21% ■40% - 60% 60% - 80% ■80% - 90% ■Above 90% 48% 45% 26% 21% 17% 15% 10% 11% 4% 3% 41% QLD NSW & ACT VIC WA Other ■% Deferral Balance % Portfolio Balance Note: Deferral balances are divided by the total Housing GLAs to determine the deferral percentage and vary to the APRA definition of loans Bank of Queensland Limited 2020 Full Year Results Presentation 27

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