Investor Presentaiton

HOUSING LOAN DEFERRALS AUGUST 2020 DEFERRALS BY LVR BAND DEFERRALS BY STATE BOQD GROUP 41% 44% 48% 45% 21% 21% 26% 14% 13% 16% 16% 21% 17% 15% 8% 6% 10% 11% 4% 3% Up to 40% 40% - 60% 60%-80% 80%-90% Above 90% QLD NSW & ACT VIC WA Other ■% Deferral Balance % Portfolio Balance ■% Deferral Balance % Portfolio Balance DEFERRALS BY BALANCE 40% 42% 28% 26% 17% 3% 4% 14% 16% 12% <$100K $100-250K $250-500K $500K-$1m >$1m ■% Deferral balance % Total portfolio Bank of Queensland Limited 2020 Full Year Results Presentation DEFERRALS BY PAYMENT TYPE 87% 79% 21% 13% Principal & Interest Interest Only ■% Deferral balance % Total portfolio 50

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