Investor Presentaiton

Net interest margin future considerations Benefits expected to continue from rising rate environment NIM Driver 1H23 Medium Term BOQ GROUP Asset pricing & mix Retail and wholesale funding costs and mix Competition continuing Fixed rate normalised Optimising portfolio mix and for Basel III impacts Tailwinds continuing but to a lesser extent Wholesale funding headwinds Competition continuing Optimising portfolio mix and for Basel III impacts Rising retail and wholesale funding costs including TFF replacement Capital and low cost deposits Benefit from rising cash rates Third party costs & other Owner manager revenue share increasing but not material Liquidity BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation Ongoing benefits from higher cash rates Owner manager proportional revenue share fairly stable and aligned to BOQ revenues Liquids portfolio growing for remaining CLF handback, but with minimal NII impact Liquids portfolio growing with balance sheet 32 22

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