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Axos Financial, Inc. Investor Presentation

Fiscal 2019 First Quarter Highlights Compared with Fiscal 2018 First Quarter $ Millions 12,000 10,000 8,000 6,000 4,000 2,000 0 $ Millions 40 30 20 10 0 Asset Growth 8,582 Q1 2018 32.4 14.1% Net Income Q1 2018 13.8% 9,792 Q1 2019 36.8 Q1 2019 $ Millions 10,000 5,000 $ Diluted EPS 0.70 0.60 0.50 0.40 0 0.30 0.20 0.10 0.00 Deposit Growth 7,179 Q1 2018 0.50 19.5% Diluted EPS Q1 2017 axos 16.0% 8,578* 6,078 Q1 2019 0.58 Q1 2018 Return on Equity = 14.98% Return on Assets = 1.57% 5 * Assumes $2.5 billion of borrowings are converted to deposits at 9/30/18 under the Nationwide Bank deposit acquisition agreement signed but not closed until November 2018.

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