#127.75 3.1. 50 $7 18 XES XSD VOLU UVOL 76.36 AX January 31, 2023 34.62 34.97 2 MO NYSE 34.9600 axos FINANCIAL NYSE Axos Financial, Inc. Investor Presentation NYSE: AX FOOD FOR FTCORE LLEFEL axos Banking Evolved SM#2Safe Harbor axos This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the "Reform Act"). The use of future tense or words "future plans," "believe," "expect," "anticipate," "estimate," "project," or the negation thereof or similar expressions constitute forward-looking statements within the meaning of the Reform Act. These statements may include, but are not limited to, projections of revenues, income or loss, estimates of capital expenditures, plans for future operations, products or services, including new initiatives and expansion, the effects of the COVID-19 pandemic, and financing needs or plans, as well as assumptions relating to these matters. Such statements involve risks, uncertainties and other factors that may cause actual results, performance or achievements of the Company and its subsidiaries to be materially different from any future results, performance, or achievements expressed or implied by such forward-looking statements. For a discussion of these factors, we refer you to the Company's reports filed with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the year ended June 30, 2022, Form 10-Q for the quarter ended December 31, 2022 and its last earnings press release. In light of the significant uncertainties inherent in the forward-looking statements included herein, the inclusion of such information should not be regarded as a representation by the Company or by any other person or entity that the objectives and plans of the Company will be achieved. For all forward-looking statements, the Company claims the protection of the safe-harbor for forward-looking statements contained in the Reform Act. 2#3#4Axos is a Top Performer Versus Bank Peer Group ROAA Return on equity G&A Efficiency ratio Axos Bank 1.38% 15.67% 2.16% 46.34% Peer Group 0.90% 8.00% 2.36% 65.68% Source: Uniform Bank Performance Report (UBPR) as of 9/30/22; data retrieved 12/20/22. Note: Peer group is all savings banks (101) with assets greater than $1 billion for quarter ended 9/30/22. Percentile 80% 88% 38% axos 11% The 88% on ROE means that the Bank outperformed 88% of all banks. The 11% efficiency ratio ranking means that only 11% of banks have lower expenses in comparison to their revenues. Peer group includes savings banks greater than $1 billion. 4#5#6#7#8#9#10#11#12#13#14#15#16#17#18#19#20#21#22#23#24#25#26#27#28#29#30#31#32#33