Investor Presentaiton

COMMERCIAL PORTFOLIO SUMMARY • Commercial portfolio well diversified geographically • ⚫ Niche segment strategy driving industry focus in healthcare through BOQS Owner-managers and Business Banking focused on SME lending COMMERCIAL PORTFOLIO BY INDUSTRY 23% ■ Property 29% ■ Health Care ■Construction 6% ■ Professional 7% Accommodation 8% 27% ■ Other Bank of Queensland Limited 2020 Full Year Results Presentation COMMERCIAL PORTFOLIO BY STATE 16% 5% 7% 32% ■ QLD ■ NSW 40% ■ VIC ■ WA Other BOQD GROUP ■Business Banking COMMERCIAL PORTFOLIO BY CHANNEL 1% 2% 15% 51% 0 31% ■ BOQS - ОМВ ■Branch Other 59

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