Investor Presentaiton

INDUSTRY AND GEOGRAPHIC SPLIT OVERTIME HOUSING LOANS - GEOGRAPHIC SPLIT OVER TIME FY20 Balance Outstanding (%) FY17 Balance Outstanding (%) 45% 50% 24% 15% 11% 5% 21% 14% 12% 3% QLD NSW & ACT VIC WA Other ASSET FINANCE - INDUSTRY SEGMENTS OVER TIME FY20 Balance Outstanding (%) FY17 Balance Outstanding (%) 19% 14% 9% 12% 5% 18% 16% 10% 9% 7% 41% 40% Construction ■Transport Manufacturing Agriculture ■Retail Trade Other COMMERCIAL - INDUSTRY SEGMENTS OVER TIME FY20 Balance Outstanding (%) FY17 Balance Outstanding (%) 29% 26% 28% 8% 7% 6% 22% 26% 8% 8% 7% 26% Property Health Care Construction ■Professional ■Accommodation Other Bank of Queensland Limited 2020 Full Year Results Presentation BOQD GROUP SUMMARY • Enhanced geographic diversification, Queensland portfolio reducing over 3 years from 50% to 45% in FY20 60

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