Investor Presentaiton
Balanced portfolio for growth and geographic diversity
Combination of BOQ and ME has diversified the portfolio
Summary
> Well diversified profit, with 49% of profits from Retail Banking and 51%
from Business Banking
› Lending portfolio diversified geographically across the East Coast of
Australia
> Multi-brand and business bank niche strategy enables differentiated
customer propositions
› Capital investment leveraged across a broader base while scaling
common technology
> Targeting growth with a ROTE above BOQ's cost of capital
FY22 Cash profit by division 1 (%)
49%
51%
BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation
(1) Excludes $2m in other segment business loss
(2) Excludes consumer as at 31 August 2022
Total loans by geography² (%)
22%
9%
6%
■ Retail
Business
32%
■ QLD
■ NSW
■ VIC
■ WA
31%
■ Other
BOQ GROUP
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