Investor Presentaiton

For personal use only DIVISIONAL ACHIEVEMENTS1 RETAIL BANK BOQ Housing Loan Growth ($m)² Viryia money Deposit Growth ($m) BUSINESS BANK BOQB Loan Growth ($m) BOQ BUSINESS BOQ SPECIALIST BOQ FINANCE Deposit Growth ($m) BOQD GROUP (4) FY20 2,479 1,363 1,399 FY21 Total income up 10% to $561m FY20 FY21 BOQ Housing loan growth of 1.7x system. Growth delivered across all channels Green shoots with ME Bank application volumes up 36% in August and September through introduction of Home Buying Transformation program and centralised pricing Deposit growth of $1.4bn, accelerating into the second half Consumer NPS ranked 3rd (up from 5th in FY19), Mortgage NPS ranked joint 4th (up from 11th in FY19) 4 Time to yes standards improving following increased volumes during the second half All owner managers on new revenue share agreement driving alignment Bank of Queensland Limited 2021 Full Year Results Presentation 1,065 870 467 512 400 343 1,536 1,112 198 15 FY20 FY21 Asset Finance Commerical Housing³ FY20 FY21 Total income up 3% to $603m • Continued focus on niche segments • • • $1.1bn lending growth delivered across all channels Ongoing deposit growth of $1.1bn funding asset growth for the year Customer experience remains high, SME NPS ranked 3rd (up from joint 4th in FY19)5 Supported customers through COVID-19 with a personalised approach (1) Excluding ME Bank (2) BOQ Retail Bank housing loan growth includes BOQ Retail plus VMA (3) BOQB housing loan growth includes SME home lending plus BOQS (4) RFI XPRT Report, August 2021 and August 2019 DBM Atlas Report August 2021 and August 2019. SME NPS refers to Any Financial Relations (AFR) and businesses under $40m turnover (6) Compared to FY21 volumes 12

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