Axos Financial, Inc. Investor Presentation

Axos is a Top Performer Versus Bank Peer Group ROAA Return on equity Net interest income Efficiency ratio Axos Bank 1.63% 16.56% 4.38% 46.19% Peer Group 0.74% 7.48% 2.79% 70.94% Source: Uniform Bank Performance Report (UBPR) as of 06/30/23; data retrieved 10/6/2023. Note: Peer group is all savings banks (101) with assets greater than $1 billion for quarter ended 06/30/23. Percentile 91% 91% 94% axos 8% The 91% on ROE means that the Bank outperformed 91% of all banks. The 8% efficiency ratio ranking means that only 8% of banks have lower expenses in comparison to their revenues. 4

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