Investor Presentaiton

PURPOSE & VALUES, AMBITION AND STRATEGIC PILLARS CLEAR PRIORITIES FOCUSED ON CUSTOMERS, PEOPLE AND SHAREHOLDERS BOQD GROUP PURPOSE & VALUES Creating prosperity for our customers, shareholders and people through empathy, integrity and by making a difference OUR AMBITION We will be known as the bold challenger bank; with multi-brands that are digitally enabled with a personal touch Our empathetic culture sets us apart Distinctive brands service attractive niche customer segments OUR STRATEGIC PILLARS Digital bank of the future with a personal 0 touch Simple and intuitive business with strong execution capability Strong financial and risk positions, with attractive returns Bank of Queensland Limited 2020 Full Year Results Presentation 37

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