Investor Presentaiton

For personal use only REPLICATING PORTFOLIO¹ SUMMARY ⚫ Slowing reduction from the low cash rate environment on the capital and low cost deposit portfolio Bank of Queensland Limited 2021 Full Year Results Presentation REPLICATING PORTFOLIO AND EQUITY HEDGE (%) 6% 4% 2% 3M BBSW Replicating Portfolio Return RBA Official Cash Rate BOQD GROUP 0% Aug-14 Feb-15 Aug-15 Feb-16 Aug-16 Feb-17 Aug-17 Feb-18 Aug-18 Feb-19 Aug-19 Feb-20 Aug-20 Feb-21 Aug-21 Aug-21 Balance $bn 2H21 Avg Return Exit Return Rate Avg term Equity 2.7 0.80% Deposit 2.5 0.84% 0.71% 0.68% 3 years 3 years Uninvested capital and low cost deposits 2.2 0.03% 0.03% 3 months (1) Relates to BOQ only 57

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