Investor Presentaiton

NOT FOR DISTRIBUTION OR RELEASE IN THE UNITED STATES Diversification of business mix The acquired loan portfolio will continue the diversification of BOQ's existing loan portfolio 1H14A BOQ Loans BOQ Finance 10% Improves BOQ's portfolio diversification Commercial 15% Increases size and footprint of Commercial lending portfolio Provides greater industry and geographic diversity Positions BOQ to benefit from expected strong growth in the Australian health services sector (3) Retail 75% Pro-Forma BOQ Loans¹ BOQ Finance 10% Commercial 20% Retail 70% Total: $35.1bn Total: $37.5bn 1H14A BOQ Commercial Loans Pro-Forma BOQ Commercial Loans² Other WA Other WA 3% 4% 4% 6% NSW 16% QLD VIC 59% 18% Total: $5.4bn Source: BOQ loan mix information per 1H14 company results. BOQ pro forma loan mix by segment reflects Acquired Businesses' loan balances as at 31-Mar-2014. 1 Acquired Businesses' loans of approximately $2.4bn allocated to Commercial ($2.0bn - Professional Finance commercial loans), Retail ($148m - Professional Finance residential property loans) and BOQ Finance ($173m - Asset Finance & Leasing loans). 2 Applies Professional Finance geographic loan diversity as at 31-Dec-2013. 3 IBIS world reports, 2013. VIC 19% QLD 48% NSW 23% Total: $7.4bn 11 IT'S POSSIBLE to LOVE A BANK BOQ

View entire presentation