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Axos Financial, Inc. Investor Presentation

Diluted EPS and Return on Equity Have Been axos Consistently Strong Despite Significant Increase in Tier 1 Capital Ratios Diluted EPS (FY) $ per share 2.5 2.0 1.5 1.0 0.5 0.0 Book value per share 0.72 0.96 27% CAGR 1.34 1.87 2.10 2.37 2013 2014 2015 2016 2017 2018 $4.79 $6.33 $8.51 $10.73 $13.05 $15.24 Return On Average Equity (FY) % 20 15 10 5 0 Tier 1 leverage ratio* * Tier 1 leverage ratio is for Axos Financial, Inc., except 2013 and 2014 which are for Axos Bank 17.57 17.89 18.34 2013 2014 8.6% 8.7% 19.43 9.6% 17.78 17.05 2015 2016 2017 2018 9.1% 10.0% 9.4% 6

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