Investor Presentaiton

Important notices This presentation has been prepared by Bank of Queensland Limited (BOQ). This presentation may contain information (including information derived from publicly available sources) that has not been independently verified by BOQ. All dollar values are in Australian dollars ($A) and financial data is presented as at the date stated. Any forward looking information in this presentation has been prepared on the basis of a number of current assumptions which may ultimately prove to be materially incorrect. Therefore actual results, outcomes and achievements may be materially greater or less than estimated. This presentation should not be relied upon as a forecast by BOQ. Neither BOQ nor its directors, officers, employees or advisors make any representation or warranty and accordingly no reliance should be placed on the fairness, accuracy, completeness or reliability of the information contained in this presentation. To the maximum extent permitted by law, BOQ its directors, officers, employees or advisors do not accept any liability for any errors, omissions or loss (including because of negligence or otherwise) arising, directly or indirectly, from any use of this presentation or information contained in this presentation. This presentation is for information purposes only and does not constitute or form part of any offer for sale or issue for any securities or an offer or invitation to purchase or subscribe for any such securities. This presentation and its contents must not be distributed, transmitted or viewed by any person in any jurisdiction where the distribution, transmission or viewing of this presentation would be unlawful under the securities or other laws of that or any other jurisdiction. This presentation and its content is not intended to be relied upon as advice to investors or potential investors and does not take into account an individual investor's investment objectives or financial situation. Investors or potential investors should consider their individual circumstances and consult professional advisors where appropriate. 6 Bank of Queensland Limited ABN 32 009 656 740 Virgin money BOQ Your own personal bank

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