Investor Presentaiton

For personal use only DISCLAIMER BOQD GROUP IMPORTANT INFORMATION AND DISCLAIMER This is a presentation of general background information about Bank of Queensland Limited and its consolidated entities (BOQ's) activities at the date of this document. It is in summary form, does not purport to be complete and should be read in conjunction with BOQ's other periodic and continuous disclosure announcements, including the 2021 Full Year Results Announcement (available at www.boq.com.au). All figures are presented on a cash earnings basis unless otherwise stated. No representations are made as to the accuracy, completeness or reliability of the information contained in this presentation. The information contained in this presentation may include information derived from publicly available sources that has not been independently verified. This presentation is not financial product advice and should not be relied upon for investment purposes. It does not take into account the investment objectives, financial situation or needs of any particular investor. Investors should consider these factors, and consult with their own legal, tax, business and/or financial advisors in connection with any investment decision. Nothing in this presentation should be construed as either an offer to sell or a solicitation of an offer to buy or sell BOQ securities in any jurisdiction. This presentation may contain forward-looking statements about BOQ's business and operations, strategy, market conditions, results of operations and financial condition, capital adequacy, specific provisions, potential synergies and risk management practices. These forward looking statements may be identified by the use of forward looking terminology, including the terms "believe", "estimate", "plan", "target", "project", "anticipate", "expect", "intend", "likely", "may", "will", "could" or "should" or, in each case, their negative or other variations or other similar expressions, or by discussions of strategy, plans, objectives, targets, goals, future events or intentions. Indications of, and guidance on, future earnings and financial position and performance are also forward-looking statements. There are a number of factors (which may involve known and unknown risks and uncertainties, many of which are outside the control of BOQ) that could cause actual results to differ materially from those expressed, or implied by, any forward-looking statements. These include (without limitation) a significant change in BOQ's financial performance or operating environment, material changes to the law or applicable regulation, risks and uncertainties associated with the COVID-19 pandemic, the Australian and global economic / political environment and capital market conditions. Readers should not place undue reliance on any forward-looking statements. To the maximum extent permitted by law, responsibility for the accuracy or completeness of any forward-looking statements, whether as a result of new information, future events or results or otherwise, is disclaimed. BOQ does not undertake to update any forward-looking statements contained in this document, subject to disclosure requirements applicable to it. Bank of Queensland Limited 2021 Full Year Results Presentation 65

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