#1#2#3#4Axos is a Top Performer Versus Bank Peer Group ROAA Return on equity Net interest income Efficiency ratio Axos Bank 1.64% 16.54% 4.41% 45.85% Peer Group 0.69% 7.00% 2.75% 71.60% Source: Uniform Bank Performance Report (UBPR) as of 09/30/23; data retrieved 11/20/2023. Note: Peer group is all savings banks (101) with assets greater than $1 billion for quarter ended 09/30/23. Percentile 93% 92% 94% axos 8% The 92% on ROE means that the Bank outperformed 92% of all banks. The 8% efficiency ratio ranking means that only 8% of banks have lower expenses in comparison to their revenues. 4#5#6Consolidated Fiscal Second Quarter 2024 Highlights axos Compared with Fiscal Second Quarter 2023 Asset Growth $ Millions 25,000 20,000 15,000 10,000 5,000 0 $ Millions 200.0 150.0 100.0 50.0 0.0 18,741 Q2 2023 15% Net Income 81.6 86% Q2 2023 21,623 Q2 2024 151.8* Q2 2024 $ Millions 20,000 15,000 10,000 5,000 0 $ Diluted EPS 3.00 2.00 1.00 0.00 Return on Equity = 30.39% Return on Assets = 2.9% Deposit Growth 15,690 Q2 2023 Diluted EPS 1.35 16% Q2 2023 94% 18,204 Q2 2024 2.62* Q2 2024 .*Excluding the gain and provision for credit losses associated with the FDIC Loan Purchase, net income was $90.5 million and diluted EPS was $1.56 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