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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 50
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