Investor Presentaiton

BOQ GROUP Multi brand strategy Our multi brand strategy allows us to target attractive segments with brands and value propositions that work Differentiation & value proposition BOQ The Human Touch 'The Relationship Bank' Delivering premium service through OUR UNIQUE OM NETWORK. Mature customers who prefer personal relationships, first time investors and first home buyers. Retail Bank Virgin money The Optimiser 'The Loyalty Bank' Digitally disrupting banking by offering value and REWARDING CUSTOMER LOYALTY. Younger, digitally savvy and aspirational. me BOQ FINANCE The Striver 'Banking made simple and doing good' SIMPLE, FAST AND SOCIALLY CONSCIOUS banking to help everyday Australians get ahead. PAYG with more equity - digitally aware and not requiring face to face support. •Digital Brokers BOQ SPECIALIST Business Bank BOQ BUSINESS BOQ FINANCE BOQ BUSINESS BOQ FINANCE Specialised Business & Private Banking Services Distinctive industry tailored business and private banking for Healthcare, Technology & Professional Businesses. • Specialist Bankers Differentiated Full- service proposition to Diversified & Logistics businesses. • OM Branches • Digital • Digital Brokers • Channel • Brokers Call Centre • Mobile Bankers • Call Centre • Mobile Bankers • Call Centre • • Specialist Credit Officers Branches • Products Consumer • • Finance Everyday Banking • . Home Loans • Consumer Finance Everyday Banking Saving • • Emerging opportunities • Home Loans • Finance Everyday Banking Savings Insurances ⚫ SME • • • Home Loans • Consumer Savings Insurance • Superannuation Low-cost, scalable customer propositions aligned to brand segments New Digital Apps to increase main bank relationship and transaction accounts • Consumer Finance Data and insights BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation Supporting Australian businesses who are farming, building or investing (Agri, Social & Property services). ⚫OMB • Branches • Specialist Bankers • Local Connections • Specialist Bankers Specialist Credit Officers • Branches Home Loans Business Loans Business Transaction Banking . Foreign Currency (Smart FX) Equipment and Vendor Finance • Dealer Finance ⚫ Insurance Premium Finance • Structured Finance • Targeted profitable niche segment penetration in business lending • Market leading merchant acquiring and transaction banking solutions Data and insights • Payments Hub Financial Markets Supply chain capability . 49

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