Investor Presentaiton

LIQUIDITY BOQD GROUP SUMMARY Strong liquidity with LCR at 164% and NSFR at 119%, well above regulatory targets • Prudent approach to managing liquidity which held us in a good position during the market dislocation in COVID-19 Well positioned to support future growth NSFR MOVEMENT - FY20 119% 112% 0.6% 1.4% 6.7% 119% -0.2% 0.0% -1.3% -0.2% Aug-19 Capital Customer Deposits Wholesale Liquid Assets Residential Other Loans Other Assets Aug-20 Funding & Mortgages Other Liabilities 35% Risk Weight Bank of Queensland Limited 2020 Full Year Results Presentation LCR QUARTERLY AVERAGE - FY20 164% 160% LCR 135% LCR 135% LCR 140% LCR 4.3 3.8 3.8 3.7 3.3 3.2 3.7 4.6 5.2 5.2 5.4 5.6 Nov-19 Feb-20 May-20 Aug-20 ■Net Cash Outflows ■ALA ■ HQLA 65

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