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2021 ANNUAL GENERAL MEETING PRESENTATION

Tuesday, 7 December 2021, Brisbane: The presentation slides for Bank of Queensland Limited's (BOQ) 2021 Annual General Meeting are attached.

ENDS

Authorised for release by: Fiona Daly, Company Secretary

only2021

ANNUAL useGENERAL

ersonalMEETING

7 December 2021

BANK OF QUEENSLAND LIMITED ABN 32 009 656 740. AFSL NO 244616.

DISCLAIMER

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This is a presentation of general background information about Bank of Queensland Limited and its consolidated entities (BOQ's) activities at the date of this

document. It is in summary form and does not purport to be complete. It should be read in conjunction with BOQ's other periodic and continuous disclosure

announcements, including the 2021 Full Year Results Announcement (available at www.boq.com.au). All figures are presented on a cash earnings basis unless

otherwise stated.

The information contained in this presentation may include information derived from publicly available sources that has not been independently verified. BOQ

does not warrant the accuracy, completeness or reliability of the information contained in this presentation or any assumptions on which it is based.

This presentation is not financial product advice and should not be relied upon for investment purposes. This presentation does not take into account the

investment objectives, financial situation or particular needs of any individual investors. These should be considered, with or without professional advice,

before deciding if an investment in BOQ is appropriate. Nothing in this presentation should be construed as either an offer to sell or a solicitation of an offer to

buy or sell BOQ securities in any jurisdiction.

This presentation may contain forward-looking statements about BOQ's business and operations, strategy, market conditions, results of operations and financial

usecondition, capital adequacy, specific provisions, potential synergies and risk management practices which reflect BOQ's views held and current expectations as

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at the date of this presentation.

Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which

are beyond the control of BOQ and which may cause actual results to differ materially from those expressed or implied in such statements. Readers are

cautioned not to place undue reliance on any forward-looking statements. Actual results or performance may vary from those expressed in, or implied by, any

forward-looking statements. To the maximum extent permitted by law, responsibility for the accuracy or completeness of any forward-looking statements,

whether as a result of new information, future events or results or otherwise, is disclaimed. BOQ does not undertake to update any forward-looking

statements contained in this presentation, subject to disclosure requirements applicable to it.

Bank of Queensland Limited 2021 Annual General Meeting

2

only2021

ANNUAL useGENERAL

ersonalMEETING

7 December 2021

BANK OF QUEENSLAND LIMITED ABN 32 009 656 740. AFSL NO 244616.

onlyCHAIRMAN'S ADDRESS

useersonalPATRICK ALLAWAY

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Bank of Queensland Limited published this content on 06 December 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 06 December 2021 22:01:06 UTC.