Investor Presentaiton

Clear approach to simplifying our technology to cloud, digital Retail and Business platforms will have clear customer offerings BOQ Retail Bank Virgin money me Business Bank BOQ GROUP BOQ BUSINESS Intelligent customer data infrastructure on Azure Public Cloud BOQ SPECIALIST BOQ FINANCE Common Retail Banking Core Temenos Cloud - v.22 Common Business Banking Core Temenos on-premise v.22 with InfoLease 10 Leasing product system Customer Experience Platform - Microsoft Financial Services Cloud Common scalable payments hub catering needs of SME and retail customers across all payment rails Differentiated origination and teller system unified across all Retail Bank Differentiated origination system unified across all Business Bank Digital deposit product first, then simple home loans and personal loans BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation Digital leasing and deposits/payments first, then complex home loans and business lending 22 22

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