Investor Presentaiton

HEDGING COSTS - BASIS RISK SUMMARY The impacts of hedging costs improved NIM by 4bps in 2H20 LONG TERM BASIS RISK AVG - 25BPS 0.5% • Average basis portfolio spreads reduced from 24bps to 17bps during the period Bank of Queensland Limited 2020 Full Year Results Presentation 0.2% тл -0.1% BOQD GROUP Aug-12 Aug-20 63

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