Investor Presentaiton

DIVISIONAL ACHIEVEMENTS RETAIL BANK BOQ Viryia money Housing Lending Growth ($m) (464) FY19 BOQ BUSINESS BOQ BUSINESS BOQ SPECIALIST Deposit Growth ($m) Commercial, Agri & SME Lending Growth ($m) 337 1,364 600 65 FY20 FY19 FY20 • • Retail Bank Net Interest Income increased 1% through home loan growth and improved margins • . • • Consumer NPS¹ ranked 3rd (up from 5th in FY19), Mortgage NPS ranked 5th (up from 11th in FY19) Home Buying Transformation program reduced `time to yes' from five days down to one 95% of OMS on new franchise agreement VMA phase 1 on track for soft launch in December 2020 • • 127 BOQD GROUP BOQ FINANCE Deposit Growth ($m) 239 1,537 FY19 FY20 FY19 FY20 BOQB Net Interest Income increased 3% due to good growth and margin management SME NPS² ranked 3rd (up from 4th in FY19) Continued focus on niche segments delivering good growth with all business lines outperforming system BOQ Finance book maintained in a declining market - balancing growth and margin considerations • Relationship banking support to customers through COVID-19 New mobile app for BOQS with ApplePay Bank of Queensland Limited 2020 Full Year Results Presentation (1) RFI XPRT Report, August 2020 and August 2019 (2) DBM Atlas BFSM Report August 2020. SME NPS refers to Any Financial Relationship (AFR) and businesses under $40m turnover. 12

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