Investor Presentaiton

Home lending performance Quality growth in housing, with net growth and application volumes providing revenue tailwinds, whilst maintaining good turnaround times Quality housing growth metrics Quality Growth LVR >90% (%) LVR > 80% (%) 90 Days past due Interest only %¹ Investor % PAYG % DTI >6x % Fixed % Broker % BOQ & VMA system growth² 2.6 15.9 5.1 Housing application volumes (# '000) +6% Portfolio FY22 Flow FY22 1.3 50.1 53.2 10.9 5.2 55bps 13 13 23.1 31 29 78 83 19.5 35 32 45 55 1.3x 1.3x 0.6x 1.0x BOQ GROUP 18.7 6.9 6.7 15.8 15.1 3.6 3.1 FY21 ■ BOQS BOQ BOQ Broker FY22 ■ME Bank ■ VMA BOQS system growth² ME system growth² Overall BOQ Group system growth² Serviceability buffer Higher of 5.35% (BOQ)/5.05% (ME) or 3.0% above customer interest rate. BOQ and ME rates were raised to 5.75% in Aug 2022 FY22 turnaround times - housing (days)³ 12 ME housing GLA growth ($m) BOQ Ownership July 2021 882 254 6 0 Sep 21 Nov 21 Jan 22 Mar 22 May 22 Jul 22 BOQ Broker -VMA Broker BOQ Network ME Bank Note: All comparative periods prior to FY22 are on a pro forma basis (1) Excluding construction loans BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation (483) (945). 1H21 2H21 1H22 2H22 (2) Multiple based on YTD system to August 2022, APRA monthly banking statistics (3) Conditional approval with median turnaround times reported. ME's process has automated Conditional Approval prior to verification, BOQ's process is a fully verified Conditional Approval 57 40

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