Axos Financial, Inc. Investor Presentation
Core Deposit Growth Was Sufficiently Strong axos
To Grow Overall Deposits While Changing The
Deposit Mix
$ Millions
8,000
7,000
6,000
5,000
4,000
3,000
2,000
1,000
0
Deposit Growth
2,092
% CDs¹
% Borrowings² 25%
30.7%
5-yr CAGR 6,044
1 as a % of total deposits
2 as a % of total liabilities
3,042
4,452
6,900
2013 2014 2015 2016 2017 2018
7,985
50% 26% 18% 17% 12% 25%
24% 15% 12% 9% 6%
Future Plans
> Enhanced digital marketing
automation integrated to outbound
sales group
> Products and technology
integration targeted to specific
industry groups
Create differentiated consumer and
business banking platform
> Enhanced focus on customer
service and user experience
> Leverage existing and create new
distribution partnerships to reduce
acquisition cost and leverage
external brands
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