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Axos Financial, Inc. Fixed Income Investor Presentation

Allowance for Credit Losses Loan Category SFR Family - Mortgage and Warehouse Multifamily & Commercial Mortgage Commercial Real Estate Commercial & Industrial Non-RE Auto & Consumer Other Total Note: Financial Information as of December 31, 2021. ACL ($M) $25.6 13.6 67.6 22.7 10.9 0.1 axos Total ACL / Loans Loans ($M) (%) $4,281.7 0.60% 2,483.9 0.55% 3,857.4 1.75% 1,631.8 1.39% 478.6 2.28% 22.3 0.28% $140.5 $12,755.7 1.10% 22

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