Investor Presentaiton

For personal use only PROVISIONS AND LOAN IMPAIRMENT EXPENSE¹ CONTINUE TO REVIEW ECONOMIC ASSUMPTIONS TO ENSURE PROVISIONS ARE PRUDENTLY MANAGED BOQD GROUP PROVISIONS ($M) -16% 369 374 313 LOAN IMPAIRMENT EXPENSE ($M) 147 235 275 271 206 150 26 822 28 126 24 21 28 (44) 21 (4) (65) 85 94 103 107 1H20 2H20 1H21 2H21 1H20 2H20 1H21 2H21 Specific Collective IMPAIRED ASSETS ($M)² 196 +8% Specific Collective LOAN IMPAIRMENT EXPENSE TO GLA (BPS) 209 195 194 38 28 39 32 62 -27bps 77 95 78 12 10 86 (17) 84 94 73 70 1H20 2H20 1H21 2H21 1H20 2H20 1H21 2H21 Housing & Consumer ■Commercial Lending Asset finance Loan Impairment to GLA Excluding material collective provisions(3) 1H20 2H20 8bps 10bps 1H21 2H21 10bps 12bps (1) Excluding ME Bank Bank of Queensland Limited 2021 Full Year Results Presentatio (2) BOQ Specialist Asset finance products have been reclassified from Commercial lending to Asset Finance for all periods presented (3) Loan impairment to GLA excludes material collective provisions adjustments, 1H20 $10m, 2H20 $123m and 2H21 -$75m 24

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