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Axos Financial, Inc. Investor Presentation

Axos is a Top Quartile Performer Versus Bank Peer Group ROAA Return on equity G&A Efficiency ratio Axos Bank 1.99% 21.35% 1.69% 33.25% Peer Group 1.08% 9.95% 2.58% 62.29% Source: Uniform Bank Performance Report (UBPR) as of 6/30/2018; data retrieved 8/07/2018. Note: Peer group is all savings banks with assets greater than $1 billion for quarter ended 6/30/2018. Percentile 90% 95% 25% axos™ 8% The 95% on ROE means that the Bank outperformed 95% of all banks. The 25% G&A ranking means that only 25% of banks spend less on G&A than Axos. Peer group includes savings banks greater than $1 billion. 7

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