Investor Presentaiton

Executing on the ME integration Integration program well progressed and clear pathway to a single retail digital core banking platform Integration benefits flowing BOQ GROUP Synergy and integration cost profile FY21 FY22 FY23 FY24+ › Synergies accelerated and increased from original expectations of $70- $80m annualised to $95m+ Synergies annualised run rate $47m c.$70 - $80m $95m+ › Core foundational integration activities mostly completed › Clear pathway to full integration to digital platform and decommissioning of legacy technology Delivered percentage¹ 63% 100% 125%+ Integration costs² $13m $81m c.$40m c.$5m Cumulative $13m $94m c.$135m c.$140m ME returned to growth ADI Consolidated leadership Handback 2021 Acquisition Migration to Temenos v.18 complete, Ultracs decommissioned 2022 Back office systems consolidation Supply chain benefits 2023 Digital home loans launched for new customers 2024 Build and test home loan core and origination c.300k³ deposit customers migrated c.200k lending and remaining customer migration commencing Personal loans and TDs enabled Commence ME legacy core banking decommissioning Digital deposits launched Collaboration tools in place BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation Note: Dates refer to calendar years (1) Based on $75m mid-point synergies range for new customers (2) Integration costs are not included in cash earnings (3) Includes dormant customers 19

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