Investor Presentaiton

NOT FOR DISTRIBUTION OR RELEASE IN THE UNITED STATES Transaction consistent with BOQ's strategy BOQ's strategic focus 1. Multi-Channel Optimisation 2. Risk/ Return Balance 3. Operational Excellence 4. Talent, Capability and Culture How do the Acquired Businesses deliver against strategy? Represents investment in Commercial lending capability Increases geographic and customer diversification Brings exposure to attractive specialist market niches (primarily medical, dental and accounting) Delivers profitable growth through the acquisition of businesses which target an attractive client group Attractive margins and loan growth with a relatively low-risk profile Compatibility of client-focused cultures Potential to extend specialisation model to other market niches Cross-sell opportunities Enhanced scale with potential for synergies (e.g., from shared services and procurement) Acquires the capability and expertise of the Acquired Businesses' management team Strong alignment of people and culture 12 IT'S POSSIBLE to LOVE A BANK BOQ

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