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Axos Financial, Inc. Investor Presentation

Axos is a Top Performer Versus Bank Peer Group ROAA Return on equity Non-interest expense Efficiency ratio Axos Bank 1.75% 16.20% 2.18% 46.33% Peer Group 1.05% 8.37% 2.41% 66.32% Source: Uniform Bank Performance Report (UBPR) as of 12/31/22; data retrieved 3/29/23. Note: Peer group is all savings banks (101) with assets greater than $1 billion for quarter ended 12/31/22. Percentile 82% 89% 36% axos 11% The 89% on ROE means that the Bank outperformed 89% of all banks. The 11% efficiency ratio ranking means that only 11% of banks have lower expenses in comparison to their revenues. Peer group includes savings banks greater than $1 billion. 4

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