Investor Presentaiton

BUSINESS BANKING OVERVIEW NICHE SEGMENT STRATEGY DELIVERING BALANCED GROWTH ACROSS BOQB BRANDS SUMMARY • • Solid growth in both the BOQ Commercial and Specialist businesses, through their focus on niche segments Business lending growth slowed in the second half as we supported our customers through the impacts of COVID-19 Increased customer deposits by $1.5bn during the year LENDING GROWTH - BOQ SPECIALIST ($M) 756 130 -20% 7 608 100 626 508 LENDING GROWTH - BUSINESS BANK AND BOQF ($M) -$659m +$240m 237 (3) FY19 FY20 BOQ BUSINESS FY19 BOQD GROUP BOQ SPECIALIST FY20 Commercial Housing & Consumer STRONG GROWTH IN DEPOSITS ($BN) +14% BOQ 9.8 FINANCE 7.8 8.3 8.6 1.0 667 8 FY19 FY20 0.8 0.8 0.9 1.7 1.1 1.2 1.3 4.3 4.8 4.9 5.6 1.6 1.5 1.5 1.5 1H19 2H19 1H20 2H20 Commercial Asset Finance ■Term Deposits Savings & Investments Transaction Accounts Offsets Bank of Queensland Limited 2020 Full Year Results Presentation 71

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