Investor Presentaiton

KEY ELEMENTS OF THE RESULT LENDING MOMENTUM AND MARGIN MANAGEMENT DRIVING RESULT, IMPACTED BY COLLECTIVE PROVISION OVERLAY FOR COVID-19 NII GROWTH ($M) +4% NET INTEREST MARGIN (%) +3bps BOQD GROUP 503 1.94 485 483 1.92 1.92 476 1.89 1H19 2H19 COST TO INCOME RATIO (%) 1H20 2H20 -20bps 1H19 2H19 1H20 LOAN IMPAIRMENT EXPENSE ($M) 2H20 FY20 147 $175m 3 41 28 28 123 10 54.3 54.1 51.8 12 2 50.1 16 31 26 21 1H19 2H19 1H202 2H20 ■Specific Collective COVID-19 1H19 2H19 1H20¹ 2H20 (1) Increase in costs driven by regulation and strategic investment as guided to the market Bank of Queensland Limited 2020 Full Year Results Presentation (2) 1H20 includes a $10m collective provision overlay in respect of COVID-19 10

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