Investor Presentaiton

CAPITAL GOOD CAPITAL POSITION WITH FLEXIBILITY TO ADAPT TO CHANGING CONDITIONS CET1 1H20 VS 2H20 9.91% 0.51% 43bps BOQD GROUP 0.08% 0.39% 0.09% 0.09% 0.03% 0.04% 9.78% 1H20 2H20 Cash NPAT RWA Growth (Excl. COVID) COVID-19 (Incl. DTA) Statutory Adjustments Net CAPEX Securitisation Impact Other Items FY20 ך SUMMARY · Capital raise provided significant uplift in CET1 • Good underlying capital generation of 43bps in 2H20 · . Lending growth driving small uplift in RWAS • COVID-19 provision and statutory adjustments absorbed during the half OUTLOOK • ⚫ CET1 of 9.78% sees the bank in a strong position BOQ well capitalised to manage any further impacts from COVID-19 Sufficient capital to support transformation agenda and asset growth momentum Bank of Queensland Limited 2020 Full Year Results Presentation 24

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