Investor Presentaiton

Key elements of the result Income growth partly offset by impact of legacy ME lending decline prior to BOQ ownership and NIM pressures Total income ($m) Net interest margin (%) - FY21 to FY22 BOQ GROUP 826 847 831 2H21 1H22 1H21 Net interest income ($m) 757 1H21 782 741 2H21 BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation 1H22 +2.4% 851 2H22 +6.3% 788 2H22 Note: All FY21 comparatives are on a pro forma basis 1.86 FY21 (0.06) Underlying (0.06) 1.74 Liquidity FY22 Net interest margin (%) – 1H21 to 2H22 1.86 1.86 Q4 NIM 1.81 1.74 1.75 1H21 2H21 1H22 2H22 10

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