Investor Presentaiton

For personal use only NET INTEREST MARGIN¹ GOOD NIM MANAGEMENT BALANCING RETURNS AND GROWTH BOQD GROUP SUMMARY Asset pricing impacts from front to back book drag are consistent with prior halves NET INTEREST MARGIN - FY20 TO FY21 0.14% (0.01%) 0.03% (0.07%) (0.05%) • • Reductions from fixed housing spreads and mix in FY21 Funding costs continued to benefit from reduced deposit rates, change in mix and wholesale funding costs Slowing reduction from the low cash rate environment on the capital and low cost deposit portfolio NET INTEREST MARGIN – 1H21 TO 2H21 - 1.95% (0.10%) -5bps housing FTBB² -1bps commercial FTBB -5bps-fixed housing spreads and mix +1bps repricing benefits 1H21 Asset pricing and mix Bank of Queensland Limited 2021 Full Year Results Presentation 1.91% 1.95% FY20 Asset pricing and mix Funding costs and mix Hedging costs Capital and low Liquidity & other BOQ excluding cost deposits ME Bank 0.13% 0.00% (0.02%) (0.01%) +6bps-term deposits +4bps-tran & savings +3bps wholesale Funding costs and mix 1.95% Hedging costs Capital and low cost deposits Liquidity & other BOQ excluding ME Bank 20 (1) Excluding ME Bank (2) FTBB = Front to Backbook

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