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Investor Presentaiton

6 Summary ▸ BOQ has worked hard to successfully re-establish business fundamentals over last 18 months and is now acquiring a unique opportunity for future growth; creating a combination that is stronger than the sum of the parts: Customers ▸ VMA customers represent the strong new world distribution footprint that is fast growing ▸ Provides opportunity to acquire banking customers in profitable segments online through VMA Products Financials BOQ will add banking product manufacturing depth ▸ VMA brings existing capability where BOQ doesn't manufacture (eg. Wealth) ▸ Cross sell opportunities Significant upside for growth that would be more difficult to achieve organically ▸ The result will be an improvement in BOQ's long term EPS profile Rapid customer acquisition coupled with a focus on cross sell enhances return profiles Bank of Queensland Limited ABN 32 009 656 740 Virgin money BOQ Your own personal bank
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