Investor Presentaiton

BOQ GROUP Business banking performance Our focus on growing medium sized family businesses is delivering higher revenue and return Summary › Differentiated model with specialist bankers, owner managers and risk officers focused on niche medium sized family businesses providing relationship banking › Investment in Business Banking is beginning to deliver with revenue growth of 7% > A refocus of the portfolio towards medium sized family business lending resulting in growth of $0.6bn at 1.5x system¹, 2 > The SME strategy focused on policy simplification, capability build, product features and process simplification > Lending to large corporates grew $0.5bn or 0.6x system², with focus on delivering improved risk adjusted returns > BOQ Finance continued to deliver positive growth (3%), notwithstanding global supply chain challenges > $0.9bn of growth in deposits, helping support asset growth across BOQ > Strong portfolio quality going in to challenging economic environment with improvements in business lending 30+ and 90+ days past due arrears during the period > Portfolio underpinned primarily by property security, with 92% of business lending secured › Business Bank NPS ranked 4th³ Growth in SME lending GLAS ($m) 113 +398% 563 165 398 71 42 FY21 FY22 BOQ BOQS Growth in corporate lending GLAS ($m) +75% 287 80 207 501 577 (76) FY21 FY22 BOQ BOQS (1) The SME portfolio of customers represents an internal view of small and medium sized businesses, with the majority of customers having lending exposure of less than $10m (2) System growth represents the latest available RBA data as at July 2022. RBA figures include both business lending and asset finance balance growth. The RBA definition of SME will not directly correlate to the BOQ internal definition BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation (3) DBM Atlas report August 2022 12

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