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Investor Presentaiton

FY20 OVERVIEW BOQD GROUP 1. Lower statutory profit of $115m, reflecting the challenging environment and a year of transition 2. Business momentum, with revenue growing and good margin management 3. Supporting our customers and people during COVID-19, through banking relief packages and changes to ways of working, while ensuring business resilience 4. Delivering the strategic transformation - year of transition, simplified operating model, digital transformation on track, and balance sheet growth momentum 5. Well provisioned for potential COVID-19 impacts, $133m collective provision overlay taken for anticipated lifetime losses 6. Capital strength to support business growth and broader economic recovery, with CET1 of 9.78% 7. Dividend of 12 cps, in line with revised APRA guidance. Represents 6 cents from first half profits and 6 cents from second half profits Bank of Queensland Limited 2020 Full Year Results Presentation 7
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