Investor Presentaiton

REPLICATING PORTFOLIO REPLICATING PORTFOLIO AND EQUITY HEDGE (%) 6% SUMMARY The cash rate cuts and associated lower interest rate environment has impacted NIM by 5bps in 2H20 This is due to a 2bps reduction on the replicating portfolio, and an additional 3bps reduction on the uninvested free funding and low cost deposits 4% 2% Bank of Queensland Limited 2020 Full Year Results Presentation 0% Aug-13 3M BBSW Replicating Portfolio Return RBA Official Cash Rate Aug-20 BOQD GROUP Aug 20 Balance $bn 2H20 Avg Return Exit Return Rate Avg term Equity 2.4 1.53% 1.40% 3 yrs Deposit 2.1 1.51% 1.38% 3 yrs Uninvested and 2.6 0.15% 0.13% 3mth free funding 62

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