Investor Presentaiton

For personal use only BOQ UNIQUE BRANDS IN NICHE SEGMENTS SERVING CUSTOMERS FOR 147 YEARS OUR DIFFERENTIATORS > Unique brands with proud history Deeply anchored in local communities > Highly specialised bankers and credit officers, within niche industry segments Building an innovative digital offering and loyalty OUR DISTINCTIVE BRANDS Retail Banking Human, empathetic relationship-led BOQ banking Business Banking Virgin The digital bank money of bigger me The bank helping possibilities all Australians get ahead BOQ BUSINESS BOQ FINANCE BOQ SPECIALIST Specialised banking solutions that meet core business and personal needs KEY STATISTICS FOR FY21 c. 570k BOQ c. 1.5m Customers c. 195k VMA c. 580k ME BOQD GROUP c. 15k BOQB c. 35k Specialist c. 90k Finance 163 Branches1 >3.5k Employees >800 OMB Employees $132b Footings² 75% Deposit-to- Loan Ratio 3.00%³ Market share - Housing 1.62%3 Market share - Business (1) Total branches includes transaction and service centres (2) Footings means gross loans and advances plus customer deposits Bank of Queensland Limited 2021 Full Year Results Presentation (3) Internal BOQ Analysis and APRA monthly authorised deposit-taking institution statistics excluding International banks, August 2021 37

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