Axos Financial, Inc. Investor Presentation

Consolidated 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

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