Investor Presentaiton

BOQ GROUP Emerging risks Macro economic environment > Strong post covid economic rebound > Historically low unemployment forecast to remain > Housing and business credit system growth expected to slow › Increasing inflationary concerns > Geopolitical tensions with weakening global economy > Supply chain and labour disruptions > Increased swap yields, rising cash rates and increasing volatility > House prices expected to fall Recent weather events > Supporting customers impacted by FY22 weather events through hardship arrangements - minimal customer requests received > > Construction industry > Sector risks emerging given recent impacts from supply chain and rising cost impacts Construction industry comprises 9% of BOQ's commercial portfolio and 18% of the asset finance book Construction sector exposure is well diversified by customer size and geography with a focus on SME > Prudent collective provisioning in place which considers sector health > Analysis of BOQ construction exposure completed, with no material signs of stress currently emerging > Individual customer assessments performed for all exposures over $10m, whilst customers have been impacted by industry issues, no material signs of stress emerging and customers appear to be well positioned to withstand the industry stress Group business construction GLAs by customer exposure size (%) > > 48% 97% 20% 2% 0% 0% 0% 0% 7% 6% 8% 12% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% ■ $0-$1m ■$1m-$5m ■ $5m-$10m $10m-$20m ■$20m-$35m ■>$35m To date no material credit losses expected in relation to housing customers as general insurers expected to cover most property damages By # of Customers Business bankers working closely with impacted business customers, government assistance arrangements expected to minimise economic impacts By GLA > Sound credit policy which considers flood risk as part of lending criteria BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation 70 10

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