Investor Presentaiton

Portfolio quality Housing and Commercial arrears trends broadly improving over the year Commercial arrears (bps) 171 BOQ GROUP 143 111 91 93 84 61 Aug-21 Feb-22 Aug-22 Summary > Low unemployment, rising house prices and increased household deposits supporting lower housing arrears > Commercial arrears continue to normalise to pre COVID-19 levels › Asset finance arrears have deteriorated since FY21, driven by a small number of customers > Rising interest rates and inflation expected to result in increasing arrears, somewhat mitigated by high quality portfolio, serviceability buffers and well secured in retail and business banking Housing arrears (bps) 174 Feb-21 106 100 13 73 Asset finance arrears (bps) 64 . 64 79 81 82 62 88 80 59 55 24 24 20 15 Feb-21 Aug-21 Feb-22 Aug-22 Feb-21 Aug-21 Feb-22 Aug-22 90DPD 90DPD+Impaired BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation Note: FY21 comparison is on a pro forma basis 64

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