Investor Presentaiton

DIVISIONAL PERFORMANCE SOLID UNDERLYING PERFORMANCE ACROSS RETAIL & BOQ BUSINESS BOQD GROUP BOQ Virgin money BOQ BUSINESS BOQ SPECIALIST BOQ FINANCE RETAIL BUSINESS $ million FY20 FY19 FY20 V FY19 FY20 FY19 FY20 v FY19 Net interest income 437 432 1% 543 527 3% Non-interest income 56 63 (11%) ▼ 40 50 (20%) ▼ Total income 493 495 583 577 1% Operating expenses (317) (289) 10% (258) (245) 5% Underlying profit 176 206 (15%) 325 332 (2%) ▼ Loan impairment expense (56) (12) 367% (119) (57) 109% Cash profit before tax 120 194 (38%) 206 275 (25%) Income tax expense (37) (61) (39%) (64) (86) (26%) Cash earnings after tax 83 133 (38%) ▼ 142 189 (25%) ▼ Bank of Queensland Limited 2020 Full Year Results Presentation 69

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