Investor Presentaiton

Starting to realise results for transaction and deposit customers Digital bank is enabling scale, superior customer experience through simplified and faster processes and attracting new customers BOQ GROUP CLOUD BASED, DIGITAL BANK Measure Legacy Current (new platform) Customers on new Retail platform1 (% of total customers) Nil Processes fully digital2 (deposit only) <10% Data centres Physical data centres c.15% 67% (43/64) Private cloud data centres c.$24k SUSTAINABLE PROFITABLE GROWTH Delivering productivity improvements > Removing manual touchpoints and creating improved self-serve > Simplifying technology infrastructure > More scalable Accelerating growth in deposits > $1.5bn of deposits on new platform achieved › Significantly faster rate of customer acquisition › Support balance sheet, cost of funding and improve returns EXCEPTIONAL CUSTOMER EXPERIENCE Monthly deposit and account openings³ Deposits/customer on new platform Nil Origination time – deposit products 30 mins <5 mins 2.2k c.20k (9x) Total deposit balance on new platform Nil c$1.5bn (1) Includes BOQ and VMA transaction, deposit and credit card customers on the new digital platform as a proportion of total BOQ and VMA retail customers Refers to digitisation of customer facing processes only BOQ and VMA brands at-call and transaction accounts only; Start Point = 6 month average prior to VMA launch, Sep 2020 - Feb 2021. Current (new platform) = 3 month average through to the end of financial year, June - August 2022 (2) (3) BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation 24 24

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