Investor Presentaiton

FY22 Results Higher underlying profit driven by disciplined lending growth and cost management BOQ GROUP Key financial results ($m) Total income Operating expenses Underlying profit Loan impairment expense Cash profit before tax FY22 1,682 (937) FY22 v FY21 1% 0% 745 1% (13) Large 732 (5%) Income tax expense (224) (5%) 508 (5%) Cash earnings after tax Reported statutory net profit after tax¹ 426 15% Return on average tangible equity² (%) Return on average equity (%) Cash earnings per share (cents)³ Cost to income ratio (%) CET1 ratio (%) Dividends per ordinary share (fully franked)4 10.6 8.4 78.4 55.7 9.57 46c 40bps 20bps 5% (10bps) ▼ (23bps) 18% BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation Note: All cash P&L and CTI comparative periods are on a pro forma basis. Other metrics are consistent with previously reported numbers for FY21 (1) FY22 statutory net profit after tax is down 8% on a pro forma basis (2) Based on after tax earnings applied to average shareholders' equity (excluding preference shares and treasury shares) less goodwill and identifiable intangible assets (customer related intangibles/brands and computer software) (3) FY21 cash EPS included earnings from ME Bank for the period 1 July 2021 to 31 August 2021 (4) The dividend will be fully franked and the dividend reinvestment plan will operate with a 1.5% discount 9

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