Investor Presentaiton

ABBREVIATIONS 1H: First half of financial year 2H: Second half of financial year 30DPD: 30 days past due 90DPD: 90 days past due AASB: Australian Accounting Standards Board ADI: Authorised Deposit-taking Institution AOFM: Australian Office of Financial Management APRA: Australian Prudential Regulation Authority ASIC: Australian Securities & Investments Commission AUC: Assets Under Construction Avg: Average BBSW: Bank Bill Swap Rate BDD: Bad & Doubtful Debt Expense BOQS: Bank of Queensland Specialist bps: basis points CAGR: Compound annual growth rate CCI: Consumer Credit Insurance CET1: Common Equity Tier 1 CP: Collective Provision CTI: Cost-to-income ratio DPD: Days past due EPS: Earnings per share FTE: Full Time Equivalent FY: Financial year GDP: Gross Domestic Product GLA: Gross Loans & Advances GRCL: General Reserve for Credit Losses LCD: Low cost deposit LCR: Liquidity Coverage Ratio LGD: Loss Given Default LIE: Loan Impairment Expense LOC: Line of Credit LVR: Loan to valuation ratio MFI: Main Financial Institution NIM: Net Interest Margin NPAT: Net Profit After Tax NSFR: Net Stable Funding Ratio OMB: Owner Managed Branch PCP: Prior corresponding period PD: Probability of Default RBA: Reserve Bank of Australia ROE: Return on equity ROTE: Return on tangible equity RWA: Risk-weighted assets SME: Small and Medium Enterprises TD: Term deposit TFF: Term Funding Facility VMA: Virgin Money Australia Bank of Queensland Limited 2020 Full Year Results Presentation BOQD GROUP 75

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