Axos Financial, Inc. · NYSE:AX
Axos Financial — Q4 FY2022 Earnings Presentation
7 slides from Axos Financial's earnings presentation, Aug 4, 2022
Slide 1: Axos Q4 Fiscal 2022 Earnings Supplement
Axos Q4 Fiscal 2022 Earnings Supplement August 4, 2022 NYSE: AX
Slide 2: Loan Growth by Category for Fourth Quarter Ended June 30, 2022
1 Loan Growth by Category for Fourth Quarter Ended June 30, 2022 Loans Single Family Mortgage & Warehouse Multifamily & Commercial Mortgage Commercial Real Estate Auto & Consumer Jumbo Mortgage Multifamily Small Balance Commercial Lender Finance RE SF Warehouse Lending Asset-Based Lending Auto CRE S
Slide 3: Interest Rate Components of Loan and Lease Portfolio
In the money +75 Bps +100 Bps +150 Bps +200 Bps Interest Rate Components of Loan and Lease Portfolio At June 30, 2022 Floor Analysis** – Variable-Rate Loans Fixed/Hybrid Years to Maturity / Repricing*Mix of Loan Repricing Types Variable 52% Hybrid 39% Fixed 9% 6,324 6,760 6,999 7,206 79% 86% 91% 95%
Slide 4: Change in Allowance for Credit Losses (ACL) & Unfunded Loan Commitments Liability (UCL)
Change in Allowance for Credit Losses (ACL) & Unfunded Loan Commitments Liability (UCL) ($ in millions) 143.4 (1.2) 0.4 6.0 148.6 9.7 11.0 120 125 130 135 140 145 150 155 160 165 March 31, 2022 ACL + UCL Gross Charge-offs Provisions for credit losses Gross Recoveries June 30, 2022 ACL + UCL UCLACL 1
Slide 5: Allowance for Credit Losses (ACL) by Loan Category
4 Allowance for Credit Losses (ACL) by Loan Category as of June 30, 2022 Loans Single Family - Mortgage and Warehouse Multifamily & Commercial Mortgage Commercial Real Estate Auto & Consumer Loan Balance $ millions Other ACL $ $3,988.5 2,877.7 4,781.0 567.2 11.1 ACL % Commercial & Industrial Non-RE
Slide 6: Credit Quality
Credit Quality ($ millions) No Loans Subject to Forbearance or Deferral for Over a Year 3/31/2022 Loans O/S NPAs % Single Family-Mortgage & Warehouse $3,972.1 $113.3 2.85% Multifamily and Commercial Mortgage 2,662.5 9.7 0.36% Commercial Real Estate 4,293.0 15.0 0.36% Commercial & Industrial - Non-RE
Slide 7: Contact Information
6 Greg Garrabrants, President and CEO Derrick Walsh, EVP and CFO Andy Micheletti, EVP-Finance investors@axosfinancial.com www.axosfinancial.com Johnny Lai, SVP Corporate Development and Investor Relations Phone: 858.649.2218 Mobile: 858.245.1442 jlai@axosfinancial.com Contact Information