Investor Presentaiton

PORTFOLIO AND LOAN IMPAIRMENT EXPENSE PRUDENT PROVISIONING LEVELS GIVEN ONGOING UNCERTAINTY BOQD GROUP PROVISIONS ($M) +57% LOAN IMPAIRMENT EXPENSE ($M) 147 369 FY20 $175m 3 214 233 235 133 41 28 28 123 10 137 148 142 10 140 12 2 77 85 85 94 16 31 26 21 1H19 2H19 1H20 2H20 1H19 2H19 1H201 2H20 Specific Collective COVID-19 IMPAIRED ASSETS ($M) -0.5% ■Specific Collective COVID-19 LOAN IMPAIRMENT EXPENSE TO GLA (BPS)² 197 196 195 152 23 225 26 28 34 73 74 71 60 69 98 94 90 1H19 2H19 1H20 2H20 62 12 1H19 18 12 2H19 1H20 2H20 ■Commercial Housing & Consumer Asset finance Bank of Queensland Limited 2020 Full Year Results Presentation (1) 1H20 includes a $10m collective provision overlay in respect of COVID-19 (2) Collective provision overlay in respect of COVID-19 represents 28bps of GLA 22

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