Investor Presentaiton

NON-INTEREST INCOME DECLINING NON-INTEREST INCOME IN LINE WITH INDUSTRY TRENDS AND COVID WAIVERS AND REDUCTIONS BOQD GROUP SUMMARY NON-INTEREST INCOME BREAKDOWN ($M) Non-interest income declined by $18m due to: Ongoing industry trends towards low and no fee products 145 1 19 128 5 11 110 COVID-19 impacts including reduced transaction and dishonour fee income, removal of certain fee charges and the suspension of Velocity aligned offers 32 5 30 30 11 25 Reduction in debtor finance fees following the sale of the business in 2H19 Bank of Queensland Limited 2020 Full Year Results Presentation 93 82 82 69 69 FY18 FY19 FY20 Trading Income ■ Insurance Other ■Banking 43

View entire presentation