Investor Presentaiton

Divisional performance Positive growth in underlying profit in BOQ Business with Retail Bank down 1% ($m) Retail bank me BOQ Virgin money Business bank BOQ GROUP BOQ BOQ BUSINESS BOQ FINANCE SPECIALIST FY22 FY21 FY22 v FY21 FY22 FY21 FY22 v FY21 Net interest income 943 981 (4%) 593 555 7% Non-interest income 98 85 15% 50 48 4% Total income 1,041 1,066 (2%) 643 603 7% Operating expenses (642) (663) (3%) (295) (262) 13% Underlying profit 399 403 (1%) 348 341 2% Loan impairment expense (41) 29 Large 28 100% Cash profit before tax 358 432 (17%) 376 341 10% Income tax expense (109) (134) (19%) (115) (106) 8% Cash earnings after tax 249 298 (16%) 261 235 11% BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation 55

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