Investor Presentaiton

For personal use only FUNDING BOQD GROUP SUMMARY Loan growth funded through stable funding sources, including customer deposits, long term wholesale and the TFF Ongoing growth in deposits resulted in the increase of the deposit to loan ratio to 75% ME Bank customer deposits contributed $18.4bn to Group deposits, with no change to the combined deposit to loan ratio of 75% USES & SOURCES OF FUNDING - FY21 ($BN)1 REQUIRED FUNDING FUNDING SOURCES DEPOSIT TO LOAN RATIO 75% 75% 74% 70% 0.1 (3.6) 3.3 (0.7) 0.5 (2.8) 3.3 Lending Assets Liquid Assets and other Asset Long Term Wholesale Growth Maturities Long Term Wholesale Funding Issuance And Short Term Wholesale Funding Customer Deposits Other FY19 FY20 FY21 - excluding FY21 - including ME Bank ME Bank TFF Bank of Queensland Limited 2021 Full Year Results Presentation (1) Exclusive of ME Bank 59

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