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Investor Presentaiton

BOQ UNIQUE BRANDS IN NICHE SEGMENTS SERVING CUSTOMERS FOR 146 YEARS OUR DIFFERENTIATORS > Unique brands with proud history > Deeply anchored in local communities KEY STATISTICS FOR FY20 c.900k Customers c.575k BOQ c. 200k VMA > Highly specialised bankers, within niche industry segments > Building an innovative digital offering and loyalty BOQD GROUP c.35k Specialist c.85k Finance OUR DISTINCTIVE BRANDS Retail Banking 165 Branches² >2k Employees $82b Footings The digital bank Human, empathetic BOQ relationship-led banking Virgin money of bigger possibilities Business Banking 74% Deposit-to- Loan Ratio 1.59%¹ Market share - Housing 1.75%¹ Market share - Business BOQ BOQ BUSINESS FINANCE BOQ SPECIALIST Specialised banking solutions that meet core business and personal needs (1) Internal BOQ Analysis and APRA monthly authorised deposit-taking institution statistics excluding International Institutional banks, August 2020 (2) Total branches includes transaction and service centres Bank of Queensland Limited 2020 Full Year Results Presentation 33
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