1H21 INVESTOR MATERIALS

15 April 2021

Half Year ended 28 February 2021

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

CONTENTS

1H21 RESULTS PRESENTATION

3

ABOUT BOQ

30

1H21 RESULTS

34

PORTFOLIO QUALITY

38

CAPITAL, FUNDING & LIQUIDITY

45

DIVISIONAL RESULTS

52

ECONOMIC ASSUMPTIONS

56

Bank of Queensland Limited 2021 Half Year Results Presentation

2

1H21 RESULTS PRESENTATION

15 April 2021

Half Year ended 28 February 2021

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

AGENDA

INTRODUCTION

Cherie Bell, General Manager Investor Relations

RESULTS OVERVIEW

George Frazis, Managing Director and CEO

FINANCIAL DETAIL AND PORTFOLIO QUALITY

Ewen Stafford, Chief Financial Officer and Chief Operating Officer

SUMMARY & OUTLOOK

George Frazis, Managing Director and CEO

Q&A

George Frazis, Managing Director and CEO

Ewen Stafford, Chief Financial Officer and Chief Operating Officer

Bank of Queensland Limited 2021 Half Year Results Presentation

4

RESULTS OVERVIEW

GEORGE FRAZIS

MANAGING DIRECTOR AND CEO

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Bank of Queensland Limited published this content on 14 April 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 14 April 2021 23:00:02 UTC.