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Investor Presentaiton

Retail banking overview Summary > Total income decreased 2% as margin degradation more than offset high non-interest income in the year Improved home lending growth ($m)¹ +263% > Retail customer deposit growth of $3.3bn, reflecting 1.3x system, driven by 20% transaction account growth > $1.5bn deposits on new digital platform > Maintained housing momentum in BOQ retail and VMA growing at 1.3x system. ME returned to growth in 1H22 and achieved 0.6x system growth in FY22. Overall BOQ Group system growth of 1.0x system² › Ongoing enhancement to loan processing and resourcing profile has ensured time to yes continues to improve 4 > Retail NPS improved to 3rd (from 5th in FY19)³, > Mortgage NPS stable at 5th (from 11th in FY19)³, 4 1,051 1,439 1,040 (1,428) FY21 ■ME Bank ■Virgin Money Solid deposit funding ($bn)1 +11% (2) (1) All comparative periods prior to FY22 are on a pro forma basis APRA monthly banking statistics August 2022 (3) BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation (4) RFI XPRT Report, August 2022 and August 2019 Relates to BOQ Retail brand 30.0 7.9 3.7 14.9 3.5 FY21 3,810 1,468 1,206 1,136 FY22 ■BOQ Housing 33.3 10.4 4.5 14.2 4.2 FY22 BOQ GROUP ■Transaction Accounts Savings & Investments Offsets Term Deposits 56
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