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Axos Financial, Inc. Investor Presentation

Our Business Model is More Profitable Because Our Costs are Lower As % of average assets Net interest income Salaries and benefits Premises and equipment Other non-interest expense Total non-interest expense Core business margin Axos¹ (%) 3.69 0.86 0.18 0.66 1.70 1.99 axos Banks $1-$10bn² (%) 3.57 1.50 0.32 1.04 2.86 0.71 1. For the three months ended 06/30/2018 - the most recent data on FDIC website "Statistics on Depository Institutions Report" Axos Bank only, excludes Axos Financial, Inc. to compare to FDIC data. Data retrieved 10/26/2018. 2. Commercial banks by asset size. FDIC reported for three months ended 06/30/18. Total of 516 institutions $1-$10 billion. Data retrieved 10/26/2018. 2

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