Bank Of Queensland Limited · ASX:BOQ

Bank Of Queensland — H1 2006 Earnings Presentation

42 slides from Bank Of Queensland's earnings presentation, Apr 6, 2006

  1. Slide 1: Bank of Queensland 2006 First Half Results

  2. Slide 2: Tals is BOQ Ss first reporting period under AIFRS. [his presentation has been prepared

    Tals is BOQ Ss first reporting period under AIFRS. [his presentation has been prepared on a Distributable Net Profit basis, le where possible, adjustments have been made to 1H05 to include the estimated impact of standards applied for the first ime in 1HO6.

  3. Slide 3: Result Highlights

  4. Slide 4: Progress Update for the Half...

  5. Slide 5: Progress Update for the Half...

  6. Slide 6: Profitability

  7. Slide 7: Summary of Results – AIFRS

  8. Slide 8: Margin Movements

    2HO5 Margin 1HO6 Margin Movements

  9. Slide 9: Net Interest Margin

    Total On- Balance Sheet Assets 1.83%

  10. Slide 10: Improved Efficiency

  11. Slide 11: Income Increase & Cost Control

  12. Slide 12: Lending and Deposit Growth

  13. Slide 13: Sales (Loan Approvals)

  14. Slide 14: Annual Lending Growth to 1H06

  15. Slide 15: Loans Under Management

  16. Slide 16: Underlying Bad Debts to Non-Securitised Loans

    jerilying Bad Debts to Non-Securi nimal leve

  17. Slide 17: 0.08% | 0.06%

    0.08% | 0.06%

  18. Slide 18: Bad Debts Expense

  19. Slide 19: Retail Deposits

    Retail De.

  20. Slide 20: Shareholder Returns

  21. Slide 21: Diluted EPS growth

    atutory AIFRS. basis: > Diluted EPS growth over.P

  22. Slide 22: Total Shareholder Return

    I Shareholder Return 28%. Average Annua

  23. Slide 23: Capital

  24. Slide 24: Capital Adequacy

    Capital Ade capital

  25. Slide 25: AIFRS Impacts on Capital

  26. Slide 26: i

    i

  27. Slide 27: Strategic Focus

  28. Slide 28: New Equipment Finance

    ew Equipment Finance we are progressing tow:

  29. Slide 29: Interstate Expansion

  30. Slide 30: Success of Interstate Branches

  31. Slide 31: Annualised Growth in Footings

    Annualised -~. Growth:in-Footin (Eending ¢

  32. Slide 32: Business Banking Expansion

  33. Slide 33: PEP initiatives

    at PEP 2 initiatives hrough to income al

  34. Slide 34: New Products & Alliances

  35. Slide 35: Outlook & Goals

  36. Slide 36: Supplementary Slides AIFRS Transition

    Queenslan

  37. Slide 37: Slide 37

  38. Slide 38: Net Profit After Tax

    jax effected) et Profit After Tax _Thie distiocure jas not been auciied

  39. Slide 39: Income tax expense

    income tex expanse Net profit after tax expense amen ‘Cash Earnings Available for Ordinary Shareholders istimients ($m) 36 impairmont of loans AASB 139. Preference .. Effective . See’n Sef Shares Interest, AASB 139 dieclosute fies not been cyte

  40. Slide 40: Share based payments

    Share base: ption Plan and the. Senior Manage! ‘ounting Policies (“AGAAP")}, no“expen: fair value of the options or shares g)

  41. Slide 41: ensed as incurred. Under AIFRS,

    ensed as incurred. Under AIFRS, -line basis unless anothe tematic-ba impacts the Bank's operati

  42. Slide 42: is Equity with distributions taking the fo:

    is Equity with distributions taking the fo:

Bank of Queensland — H1 2006 Earnings Presentation on 6ix