Investor Presentaiton

For personal use only INDUSTRY AND GEOGRAPHIC SPLIT OVER TIME¹ HOUSING LOANS - GEOGRAPHIC SPLIT OVER TIME FY21 Balance Outstanding (%) FY17 Balance Outstanding (%) 31% 50% 29% QLD NSW & ACT VIC WA Other ASSET FINANCE - INDUSTRY SEGMENTS OVER TIME FY21 Balance Outstanding (%) FY17 Balance Outstanding (%) Construction 18% 15% 16% 21% 22% 11% 6% 21% 14% 12% 3% 12% 7% 11% 7% 29% 13% 8% 8% 8% 27% . Retail Trade ■Other Health Care Transport ■Manufacturing ■Agriculture COMMERCIAL - INDUSTRY SEGMENTS OVER TIME FY21 Balance Outstanding (%) 33% 24% 9% 7% 6% 22% FY17 Balance Outstanding (%) 29% 22% 8% 11% 7% 23% Property ■ Health Care Construction Professional ■Accomodation Other TOTAL LENDING2 - GEOGRAPHIC SPLIT OVER TIME FY21 Balance Outstanding (%) 33% 27% 21% 10% 9% FY17 Balance Outstanding (%) 38% ■QLD ■NSW VIC 27% ■WA 19% 8% 8% ■ Other Bank of Queensland Limited 2021 Full Year Results Presentation (1) Including ME Bank (2) Excluding Consumer BOQD GROUP SUMMARY • Enhanced geographic diversification, Queensland. housing portfolio reducing over 4 years from 50% in FY17 to 31% in FY21 The addition of ME Bank creates a geographically diverse housing portfolio Asset Finance and Commercial Lending portfolios remain diversified across a broad range of industries 54

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