Axos Financial, Inc. Investor Presentation

Interest Rate Components of Loan & Lease Portfolio At September 30, 2023 Mix of Loan Repricing Types Variable 61% Fixed 7% Hybrid 32% Fixed/Hybrid Years to Maturity / Repricing* $M 7,000 6,000 5,000 4,000 3,000 2,000 1,000 455 axos 944 6,483 6,491 6,543 5,516 3,297 Jlll 2,139 1/2 1 2 3 Years5 10 20 7% 15% 33% 50% 84% 99% 99% 100% *Excludes SF Warehouse Lending and Equipment Leasing. The years to repricing assumes no loan prepayments and reflects only contractual terms. Of the fixed and hybrid rate loan balances in our portfolio at September 30, 2023, 50% will reprice within 3 years and 84% will reprice within 5 years > 20 10

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