Bank of Queensland has so far avoided a high rate of customers struggling to repay loans amid the pandemic and has reported good progress.

Plenty more loan customers have resumed repayments after deferring them at the peak of the pandemic, according to results issued at the bank’s annual general meeting on Tuesday.

Only three per cent ($889 million) of the housing loan portfolio had payments deferred as of November 30, while in small to medium business loans, there was also three per cent ($390 million) remaining with the same arrangement.

However economists have warned the test could come when the federal government removes assistance measures such as JobKeeper.

Suncorp is trialling its Virgin Money digital bank this week with staff which it says will help move its retail operations online.

Chief executive George Frazis said the retail bank had needed fixing and the company had made good progress.

Shares were lower by 0.38 per cent to $7.85 at 1121 AEDT.