Investor Presentaiton
BOQ GROUP
FY22 summary
> Supporting our customers and people through ongoing changing times
> Solid financial performance during FY22, delivering positive jaws and sustainable quality growth across retail and business bank
Quality loan growth offsetting heightened industry margin pressure during first half
> Margin benefits due to rising interest rates starting to flow through
> Demonstrating good operating efficiency enabling increased investment in the new digital bank
> High quality portfolio well secured
> Integration program well progressed, ME returned to growth, synergies ahead of accelerated schedule
> St Andrew's divestment completed
› Creating real competitive advantage through execution of our transformation
› Sustainable and diversified growth across multi brands, in niche segments, across retail and business, providing distinctive customer
propositions
> Specialist bankers, credit officers and owner managers embedded in communities focused on long term customer relationships
› Operating leverage with strategic execution capability
> New cloud based, end-to-end digital bank, leading to improvement in productivity, customer experience, innovation and embedded
compliance leading to improved risk controls
> Quality portfolio and originations, well secured
> Capital position of 9.57% 'unquestionably strong', supporting investment, growth and dividends.
BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation
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