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 1.64% 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

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