Dec 10 (Reuters) - Bank of Queensland Ltd BOQ.AX :
* FY20 WILL ALSO BE A DIFFICULT YEAR, EXPECT LOWER YEAR-ON-YEAR CASH EARNINGS IN FY20
* IN FY20, EXPECT HIGHER POST-HAYNE REGULATORY, COMPLIANCE COSTS, INCREASED OPERATING EXPENSES RELATED TO INVESTMENT IN TECHNOLOGY
* COMPLETION OF PHASE 1 BUILD TO REQUIRE ABOUT $30 MILLION OF CAPITAL EXPENDITURE THROUGHOUT FY20, AHEAD OF TARGETED LAUNCH IN LATE 2020