Axos Financial, Inc. Investor Presentation

Axos is a Top Performer Versus Bank Peer Group ROAA Return on equity G&A Efficiency ratio Axos Bank 1.38% 15.67% 2.16% 46.34% Peer Group 0.90% 8.00% 2.36% 65.68% Source: Uniform Bank Performance Report (UBPR) as of 9/30/22; data retrieved 12/20/22. Note: Peer group is all savings banks (101) with assets greater than $1 billion for quarter ended 9/30/22. Percentile 80% 88% 38% axos 11% The 88% on ROE means that the Bank outperformed 88% of all banks. The 11% efficiency ratio ranking means that only 11% of banks have lower expenses in comparison to their revenues. Peer group includes savings banks greater than $1 billion. 4

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