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Axos Financial, Inc. Fixed Income Investor Presentation

Over 15 Years of Profitable Growth ($M) 250 200 150 100 50 $3 $3 $3 $4 $7 2005 - 2021 CAGR: 31% $21 $21 $29 $40 Net Income $56 $83 $119 $135 $152$155 Annualized Net Income Note: Company uses a June 30 fiscal year-end. Q2 2022 data is for the 6 months ended December 31, 2021. axos $183 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Q2 2022 $242 $216 ¦ Net Income has continued to grow throughout multiple economic cycles 10

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