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Axos Financial, Inc. Fixed Income Investor Presentation

Diversified Funding and Liquidity Off Balance Sheet Funding* > Axos Fiduciary Services Deposits - $31 million > Axos Clearing Deposits - $725 million (1) > FHLB $5.4 billion > Federal Reserve Discount Window - $2.4 billion - Consolidated Capital Ratios* 8.73% TCE / TA (2) 9.42% Tier 1 Leverage Ratio 10.08% Tier 1 Ratio *As of December 31, 2021. (1) The Bank had $1.9 billion available immediately and $3.5 billion available with additional collateral. (2) Adjusted (non-GAAP) metrics. See Appendix for reconciliation to the closest applicable GAAP metrics. 12.16% axos Total Capital Ratio 31

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