Investor Presentaiton

SME LOAN DEFERRALS AUGUST 2020 SUMMARY ⚫ SME BRP portfolio composition broadly consistent with the total SME portfolio SME DEFERRALS BY LOCATION • 37% of BRP deferrals relating to health care industry due to BOQ Specialist deferral portfolio 41% 35% 24% 25% 19% 21% 8% 7% • Loan balances >$500K marginally higher in BRP portfolio in comparison with the total SME portfolio 5% <1% QLD NSW VIC WA NZ ■■% Deferral balance ■% Portfolio balance SME DEFERRALS BY BALANCE SME DEFERRALS BY INDUSTRY BOQD GROUP 9% 6% Other 33% 37% 27% 15% 16% 20% 21% 16% 11% 14% 27% 24% 23% 14% 14% 11% 12% 4% 3% 4% 14% 7% 7% 8% 6% 2% Health Care Property <$100K $100-250K $250-500K ■% Deferral balance $500K-$1m ■% Total portfolio >$1m Construction Professional Services Agriculture Transport 5% 5% Manufacturing Accommodation & Food Services Others ■% Deferral balance ■% of SME portfolio balance Bank of Queensland Limited 2020 Full Year Results Presentation 53

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