Investor Presentaiton

Lending to households (APRA data) BOQ GROUP Lending to Households (APRA) Multiple (APRA) YTD (A) 3M (A) 1M YTD 3M 1M Market share Major 1 35.71% 21.61% 1.46% 5.0 3.6 3.2 4.76% International 1 16.47% -3.03% -0.25% 2.3 Neg Neg 1.36% Regional 1 12.53% 18.14% 1.44% 1.7 3.0 3.2 2.39% Major 2 11.61% 17.95% 0.40% 1.6 3.0 0.9 14.93% BOQ & VMA 9.77% 0.71% -0.15% 1.4 0.1 Neg 1.70% Regional 2 9.73% 3.49% 0.10% 1.4 0.6 0.2 2.84% BOQ, VMA + ME 7.42% 1.99% -0.14% 1.0 0.3 Neg 2.98% System 7.18% 6.04% 0.45% Major 3 6.70% 4.54% 0.38% 0.9 0.8 0.9 25.81% International 2 5.82% -5.02% -0.67% 0.8 Neg Neg 2.74% ME 4.48% 3.70% -0.13% 0.6 0.6 Neg 1.29% Major 4 Major 5 3.28% 5.96% 0.57% 0.5 1.0 1.3 21.54% 0.80% 3.10% 0.18% 0.1 0.5 0.4 13.00% BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation Source: APRA Monthly Banking Statistics August 2021 to August 2022 Note: Majors comprise CBA, NAB, WBC, ANZ and Macquarie, Regionals comprise SUN and BEN and Internationals comprise HSBC and ING 59

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