Investor Presentaiton

For personal use only DIVISIONAL PERFORMANCE1 STRONG PERFORMANCE ACROSS RETAIL & BOQ BUSINESS BOQD GROUP BOQ Virgin money BOQ BUSINESS BOQ SPECIALIST BOQ FINANCE RETAIL BUSINESS $ million FY21 FY20 FY21 vs FY20 FY21 FY20 FY21 vs FY20 Net interest income 492 437 13% 555 543 2% Non-interest income 69 74 (7%) ▼ 48 40 20% Total income 561 511 10% 603 583 3% Operating expenses (356) (335) 6% (262) (258) 2% Underlying profit 205 176 16% 341 325 5% Loan impairment expense 20 (56) Large (119) Large ▼ Cash profit before tax 225 120 88% 341 206 66% Income tax expense (70) (37) 89% (106) (64) 66% Cash earnings after tax 155 83 87% 235 142 65% Bank of Queensland Limited 2021 Full Year Results Presentation (1) Excluding ME Bank 42

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