Axos Financial, Inc. · NYSE:AX
Axos Financial — Q4 FY2021 Earnings Presentation
7 slides from Axos Financial's earnings presentation, Jul 29, 2021
Slide 1: Axos Q4 2021 Earnings Supplement
Axos Q4 2021 Earnings Supplement July 29, 2021 NYSE: AX
Slide 2: Safe Harbor
Safe Harbor This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Reform Act”). The words “believe,” “expect,” “anticipate,” “estimate,” “project,” or the negation thereof or similar expressions constitute forward-looki
Slide 3: Net Loan Growth by Category for Fourth Quarter Ended June 30, 2021
Net Loan Growth by Category for Fourth Quarter Ended June 30, 2021 $ Millions Q4 FY21 Q3 FY21 Inc (Dec) Single Family Jumbo Mortgage $3,745 $3,931 ($186) Mortgage & Warehouse SF Warehouse Lending 614 968 (354) Multifamily & Multifamily 2,020 1,963 57 SB Commercial Mortgage Small Balance 461 450 (11)
Slide 4: Change in Allowance for Credit Losses (ACL) & Unfunded Loan Commitments Liability (UCL)
Change in Allowance for Credit Losses (ACL) & Unfunded Loan Commitments Liability (UCL) ($ in millions) 3
Slide 5: Allowance for Credit Losses (ACL) by Loan and Lease Category at June 30, 2021
Allowance for Credit Losses (ACL) by Loan and Lease Category at June 30, 2021 $ Millions Loan Balance ACL $ ACL % Single Family - Mortgage and Warehouse $4,359.5 $26.6 0.61% Multifamily & SB Commercial Mortgage 2,470.4 13.2 0.53% Commercial Real Estate 3,180.4 57.9 1.82% Loans & Leases Commercial &
Slide 6: Credit Quality No Loans in Forbearance
Credit Quality No Loans in Forbearance Loans in Forbearance or 3/31/2021 Loans O/S Deferral % NPAs % Single Family-Mortgage & Warehouse $4,899.2 $0.0 0.00% $85.0 1.74% Multifamily and Commercial Mortgage $2,424.2 $0.0 0.00% $30.8 1.27% Commercial Real Estate $3,042.9 $0.0 0.00% $16.4 0.54% Commercia
Slide 7: Contact Information
Contact Information Greg Garrabrants, President and CEO Andy Micheletti, EVP/CFO investors@axosfinancial.com www.axosfinancial.com Johnny Lai, VP Corporate Development and Investor Relations Phone: 858.649.2218 Mobile: 858.245.1442 jlai@axosfinancial.com 6