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Investor Presentaiton

Business portfolio Business lending primarily underpinned by quality security Summary > c.8% of the business exposure is unsecured > All industries and brands are predominantly secured > Property and construction contribute 41% to the business exposure with the vast majority of these industries being secured lending Business portfolio security status by industry (% of industry GLA) BOQ GROUP 35% 0.6% 30% 25% 20% 9.5% 15% 99.4% 16.7% 10% 90.5% 5% 2.4% 97.6% 8.6% 91.4% 32.0% 68.0% 1.7% 98.3% 15.1% 83.3% 84.9% 0% Property 1 Health Care Construction Accomm' & Food Professional Agriculture Financial Serv' Other Industries â– Secured Unsecured BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation (1) Majority of the unsecured exposure in the property industry is due to a group with more than $13m exposure which was re-contracted on the 29th of August. The group is fully secured however due to timing differences security data had not been recorded in system on the year end date 68
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