Investor Presentaiton

AVERAGE BALANCE SHEET & MARGIN - HALF ON HALF BOQD GROUP AVERAGE BALANCE SHEET AND MARGIN ANALYSIS August 2020 (six month period) February 2020 (six month period) $millions INTEREST EARNING ASSETS Gross loans & advances at amortised cost Investments & other securities Total interest earning assets Non-interest earnings assets Average balance $m Interest Average rate Average balance Interest Average rate $m % $m $m % 44,362 809 3.62% 44,285 867 3.94% 7,564 55 1.45% 7,122 65 1.84% 51,926 864 3.30% 51,407 932 3.65% Property, plant & equipment 162 154 Other assets 1,711 1,685 Provision for impairment -277 -233 Total non-interest earning assets 1,596 1,606 Total assets 53,522 53,013 INTEREST BEARING LIABILITIES Retail deposits 30,681 174 1.13% 29,863 213 1.43% Wholesale deposits & borrowings 17,298 187 2.15% 17,918 236 2.65% Total Interest bearing liabilities 47,979 361 1.49% 47,781 449 1.89% Non-interest bearing liabilities 1,298 1,189 Total Liabilities Shareholders' funds 49,277 48,970 4,245 4,043 53,522 53,013 Total liabilities & shareholders' funds INTEREST MARGIN & INTEREST SPREAD Interest earning assets 51,926 864 3.30% 51,407 932 3.65% Interest bearing liabilities 47,979 361 1.49% 47,781 449 1.89% Net interest spread 1.81% 1.76% Benefit of net interest-free assets, liabilities and equity 0.11% 0.13% NIM on average interest earning assets 51,926 503 1.92% 51,407 483 1.89% Bank of Queensland Limited 2020 Full Year Results Presentation 42

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