Investor Presentaiton

For personal use only KEY ELEMENTS OF THE RESULT¹ INCOME GROWTH WITH GOOD MARGIN MANAGEMENT, IMPROVED PRODUCTIVITY AND IMPAIRMENT RELEASES BOQD GROUP NET INTEREST INCOME ($M) FY20 $986m NET INTEREST MARGIN (%) +6% FY21-$1,050m FY20 -1.91% +5% 538 512 503 483 1H20 2H20 COST TO INCOME RATIO (%)² 1H21 2H21 -120bps 55.0 54.9 54.5 53.3 1H20 2H20 1H21 2H21 (1) Excluding ME Bank +4bps 1.92 1.95 1.89 1H20 flat FY21 -1.95% 1.95 2H20 1H21 2H21 LOAN IMPAIRMENT EXPENSE ($M) 147 28 2 26 126 (44) 24 21 28 21 (4) (65) 1H20 2H20 1H21 2H21 Specific Collective 1H20 2H20 1H21 2H21 Loan Impairment to GLA 12bps 62bps 10bps (17bps) Excluding material collective provisions(3) 8bps 10bps 10bps 12bps Bank of Queensland Limited 2021 Full Year Results Presentation (2) VMA costs have been restated from non-interest income and included in operating expenses (3) Loan impairment to GLA excludes material collective provisions adjustments, 1H20 $10m, 2H20 $123m and 2H21 -$75m 9

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