Investor Presentaiton

AGENDA INTRODUCTION Cherie Bell, General Manager Investor Relations RESULTS OVERVIEW George Frazis, Managing Director and CEO FINANCIAL DETAIL AND PORTFOLIO ANALYSIS Ewen Stafford, Chief Financial Officer and Chief Operating Officer Adam McAnalen, Chief Risk Officer SUMMARY & OUTLOOK George Frazis, Managing Director and CEO Q&A George Frazis, Managing Director and CEO Ewen Stafford, Chief Financial Officer and Chief Operating Officer Adam McAnalen, Chief Risk Officer Bank of Queensland Limited 2020 Full Year Results Presentation BOQD GROUP 4

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