Investor Presentaiton

SUPPORTING OUR CUSTOMERS RELIEF PACKAGES DESIGNED FOR OUR RETAIL AND BUSINESS BANKING CUSTOMERS BOQD GROUP SMALL BUSINESS CUSTOMERS Business Banking Relief Package offering eligible small business customers with up to $10m in lending a 6 month deferred repayment period. Providing eligible SME customers access to unsecured overdraft of up to $250k with material reduction in rates, co-guaranteed with Government. > Reductions to business term loan and overdraft interest rates Λ Waiver of business transaction account monthly account maintenance fees for 6 months Waiver of merchant terminal fees > Paused spending qualification criteria for Business Performance saver accounts PERSONAL CUSTOMERS Λ Personal Banking Relief Package providing eligible customers a deferred repayment period of up to 6 months Reduced interest rates on fixed rate home loans Providing cashflow options to home loan customers ahead on repayments, including interest only, offset, and redraw facilities Paused minimum monthly transaction qualification for Fast Track accounts Temporarily paused cash management account monthly fees Bank of Queensland Limited 2020 Full Year Results Presentation 46

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