Investor Presentaiton

HOUSING LOAN DEFERRALS AUGUST 2020 BOQD GROUP SUMMARY 12% of housing customers on BRP as at August HOUSING LOAN DEFERRALS - BALANCES & ACCOUNT NUMBERS 15 20% 15% 15% 15% • Deferral balances continue to reduce since the peak in April Average LVR of 65% 13% 15% 12% 10 10% 13 13 12 11 • 92% of customers on BRP have an LVR <90% 5 4.8 4.7 4.5 • BRP portfolio composition broadly consistent with the total housing loan portfolio 0 Apr-20 May-20 Deferral balances ($bn) 11 5% 3.9 3.7 0% Jun-20 Jul-20 Aug-20 Number of accounts deferred (000s) Total % BRP Portfolio Avg LVR <70% LVR >70% LVR >80% LVR >90% LVR Deferral balance as % of total home lending HOUSING LOAN DEFERRALS - BY CHANNEL Deferral 100% 65% 51% 49% 24% 8% balances Less than 3 54% 45% months 70% 66% 64% 36% 18% 7% 22% 18% ahead of 15% 10% 12% 11% 7% 5% repayments Corporate OMB Broker BOQS VMA Not covered 82% 62% 66% 34% 11% 1% ■% Deferral balance ■% Portfolio balance by LMI Bank of Queensland Limited 2020 Full Year Results Presentation 49

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