Investor Presentaiton

FY20 RESULTS OVERVIEW BOQD GROUP Financial FY20 FY20 v FY19 FY20 Balance Sheet, Capital & Funding FY20 v FY19 Statutory NPAT $115m (61%) CET1 9.78% +74bps Cash NPAT $225m (30%) Total GLAS $47,043m +2% ROE (cash) 5.4% (290bps) Customer Deposits $34,762m +7% EPS cents (cash) 51.1c (36%) Deposit to Loan Ratio 74% +4% DPS 12c (82%) LT Wholesale Funding $11.3bn (6%) Cost-to-income 54.2% 320bps Liquidity Coverage Ratio 164% +19% NIM 1.91 (2bps) Net Stable Funding Ratio 119% +7% Total Income $1,096m +1% BBB+/ A-/A3 Fitch Ratings has revised the Outlook on BOQ's Operating Expenses $594m +7% Credit Ratings (S&P/ Fitch/ Moodys) Negative from Stable on Long-Term Issuer Default Rating to 30th April 2020 LIE to GLA 37bps +22bps Bank of Queensland Limited 2020 Full Year Results Presentation 40

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