Investor Presentaiton

Provision and loan impairment expense Sound provisioning levels maintained in light of changing economic conditions BOQ GROUP Housing, asset finance and commercial arrears 90DPD (bps) Impaired assets ($m) 91 93 243 84 221 194 38 88 19 61 32 153 15 20 80 59 24 36 77 78 20 52 55 63 38 24 54 - 128 111 95 61 1H21 2H21 1H22 2H22 Feb-21 Aug-21 Feb-22 Aug-22 Housing & Consumer Business Lending Asset Finance Housing Asset Finance Commercial Loan impairment expense Provisions ($m)¹ 374 LIE\GLA (bps) 311 289 295 7 (14) (4) 7 26 28 271 204 199 217 (15) (55) 103 107 90 78 1H21 2H21 1H22 2H22 1H21 2H21 1H22 2H22 ■Loan Impairment Expense ($m) Note: All comparative periods prior to FY22 are on a pro forma basis BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation (1) 1H21 excludes $95m ME total provision which has been fair valued on acquisition Specific Collective 36

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