Investor Presentaiton

For personal use only QUALITY HOME LENDING GROWTH¹ GOOD QUALITY ABOVE SYSTEM GROWTH IN HOME LENDING SUMMARY • 1.7x system growth in home lending achieved in FY21 • BOQ Housing³, BOQ Specialist and Virgin Money contributing to strong lending volumes · Prudent risk settings maintained ensuring quality growth . Time to yes standards improving after increased volumes during the second half BOQD GROUP HOME LENDING GROWTH ($M) 2,946 1,949 508 141 1,120 507 997 39 102 310 287 339 459 248 228 49 469 445 489 459 581 225 (717) (682) (441) (273) 1H19 2H19 1H20 2H20 ■Virgin Money ■BOQ Specialist Housing 1H21 2H21 ■ BOQ Housing³ • Consumer NPS ranked 3rd (up from 5th in FY19), Mortgage NPS ranked joint 4th (up from 11th in FY19)² Broker and customer experiences improved, reflecting NPS result QUALITY HOME LENDING GROWTH Quality Growth Portfolio FY20 Portfolio FY21 Flow FY21 LVR > 90% 6% 5% 3% • Broker channel growth of $1.1bn driven by new and existing quality aggregators 90 Days past due 85bps 55bps Interest only %4 19% 16% 13% Investor 39% 37% 32% 68% 72% 81% 21% • Enhanced geographic diversification with Queensland housing portfolio concentration reducing (1) Excluding ME Bank PAYG DTI >6x Serviceability buffer (2) RFI XPRT Report, August 2021 and August 2019 Bank of Queensland Limited 2021 Full Year Results Presentation (3) BOQ Housing includes housing loan growth in both the Retail Bank and BOQ Business (4) Excluding construction loans (5) 2.5% will be increased to 3% by the end of October 2021 Higher of 5.35% or 2.5% above customer interest rate5 11

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