Investor Presentaiton

FUNDING SUMMARY Funding loan growth with stable sources of funding, including customer deposits and long term wholesale • Growth in deposits contributed to increased deposit to loan ratio and is a result of government initiatives and COVID-19 elevated liquidity DEPOSIT TO LOAN RATIO USES & SOURCES OF FUNDING - FY20 ($BN) REQUIRED FUNDING (0.8) (0.4) FUNDING SOURCES 2.3 (1.1) (3.2) 2.6 BOQD GROUP 74% 70% 69% 69% 0.6 Lending Assets Liquid Assets and other Asset Growth Long Term Wholesale Maturities Long Term Short Term Wholesale Funding Wholesale Funding Issuance And TFF Customer Deposits Other FY17 FY18 FY19 FY20 Bank of Queensland Limited 2020 Full Year Results Presentation 64

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