Investor Presentaiton

Business portfolio Strong growth across the core distribution channels of Business Banking, BOQS & owner managed branches Summary › Business portfolio well diversified geographically with a diverse channel mix > The portfolio is well secured with less than c.8% of unsecured lending > Property and construction industry segments are well diversified and performing well with no material indication of stress emerging in the portfolios Business by geography (%) 18% 6% 2% Business by industry (%) 19% 32% 5% 7% Property Health Care ■Construction ■ Professional Accommodation 6% ■ Agriculture 9% 22% ■ Other BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation 36% Business by channel (%) 15% 2% 25% 58% QLD 38% ■NSW & ACT ■ VIC ■ WA ■ Other ■Business Banking ■BOQS ■ OMB Other BOQ GROUP 67 20

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