Investor Presentaiton

NET INTEREST MARGIN GOOD NIM MANAGEMENT BALANCING GROWTH WITH RETURNS NET INTEREST MARGIN – 1H20 TO 2H20 - 1.89% 0.13% 0.09% 0.04% 0.05% 0.00% BOQD GROUP 1.92% 1H20 Asset Pricing & Mix Funding Costs & Mix Hedging Costs Capital & LCDs Liquidity & Other 2H20 SUMMARY • Margin benefits from repricing activity, partially offset by front to back book drag Funding costs increased as cash rate reduced KEY NIM MOVEMENTS OVER TIME Element 2H19 1H20 2H20 Asset pricing and mix +2bps +6bps +13bps Funding costs & mix (5bps) (5bps) (9bps) • Hedging cost benefits as basis costs continue to reduce Hedging costs +3bps +4bps +4bps . • Impacts to NIM from elevated liquidity Capital & LCDs (2bps) (3bps) (5bps) Third party costs/AASB 16 (3bps) +1bps Liquidity (2bps) (1bps) 18 Bank of Queensland Limited 2020 Full Year Results Presentation

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