Investor Presentaiton

Housing loan portfolio Strong risk management with diversified portfolio and conservative LVR lending Summary > Housing portfolio diversified across geography and channel > 97% of customers with LVR<90%, with FY22 flow above 90% at 1.3% > FY22 flows from home loan customers with LVR>80 reduced from 23% (FY21) to 11% Housing portfolio by LVR (%) 13% 3% 33% ■ Up to and including 60% ■>60% to 70% ■>70% to 80% Housing portfolio by geography (%) 23% 6% 10% 31% ■ QLD ■ NSW & ACT ■ VIC ■ WA ■ Other 30% BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation 31% 20% ■>80% to 90% ■Greater than 90% Housing portfolio by channel (%) 26% 9% 1% ■ BOQ OMB 26% ■ BOQS ■BOQ Branch 10% 4% 15% 9% ■ VMA ■ME Bank Proprietary ■ME Bank Broker ■BOQ Broker ■ BOQ Other BOQ GROUP 65

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