Investor Presentaiton

EXECUTING THE TRANSFORMATION ROADMAP KEY STRATEGIC INITIATIVES DELIVERED IN FY21 Digital Bank of the Future Online transaction, savings and credit card accounts developed and plans to scale to all brands Debit cardholders now have instant card issuance, digital wallet & self-service convenience. Upgraded internet and mobile banking for business customers FX digital platform and currency exchange For personal use only Distinctive brands serving niche segments Upgraded Broker portal and digital tools Evolution of owner manager model t BOQD GROUP Simple and intuitive Improved broker experience, mortgage hub service and efficiency uplift Process and product simplification, reducing business complexity • Streamlined complaints resolution Financial and Risk Position Operational risk tool • Regulatory & compliance programs Open Banking Program progressing Streamlined customer risk rating and transaction monitoring • Payroll system enhancements Purpose Led Culture . • Business Banker toolkit enhancement Capability programs to enhance leadership and coaching Underpinned by execution capability uplift program Bank of Queensland Limited 2021 Full Year Results Presentation 28

View entire presentation