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Nasdaq: Bofi November 2015 Bofi Holding, Inc. Investor Presentation

The following excerpt is from the company's SEC filing.

1 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-looking statements within the meaning of the Reform Act. These statements may include, but are not limited to, projections of revenues, income or loss, estimates of capital expenditures, plans for future operations, products or services, and financing needs or plans, as well as assumptions relating to these matters. Such statements involve risks, uncertainties and other factors that may cause actual results, performance or achievements of the Company and its subsidiaries to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. For a discussion of these factors, we refer you to the Company's reports filed with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the year ended June 30, 2015. In light of the significant uncertainties inherent in the forward-looking statements included herein, the inclusion of such information should not be regarded as a representation by the Company or by any other person or entity that the objectives and plans of the Company will be achieved. For all forward- looking statements, the Company claims the protection of the safe-harbor for forward-looking statements contained in the Reform Act.

2 Fiscal 2016 First Quarter Highlights Compared with Prior Year’s Fiscal Quarter 4,825 6,260 0 2,000 4,000 6,000 8,000 Q1 2015 Q1 2016 $ Millions Asset Growth 29.7% 17.8 25.5 0 5 10 15 20 25 30 Q1 2015 Q1 2016 $ Millions Net Income 43.3% 3,262 4,755 0 1,000 2,000 3,000 4,000 5,000 6,000 Q1 2015 Q1 2016 $ Millions Deposit Growth 45.8% 1.20 1.60 0 1 1 2 2 Q1 2015 Q1 2016 Diluted EPS Diluted EPS 33.3% Return on Equity = 18.34% Return on Assets = 1.70%

3 Diluted EPS and Return on Equity Have Been Consistently Strong Return On Average Equity (FY) Diluted EPS (FY) 1.87 2.33 2.89 3.85 5.37 0.00 1.00 2.00 3.00 4.00 5.00 6.00 2011 2012 2013 2014 2015 Percent $ Per Share 15.17 16.95 17.57 17.89 18.34 0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 18.00 20.00 2011 2012 2013 2014 2015 30% CAGR

4 Corporate Profile and Vision • $6.3 billion asset savings and loan holding company1 • 14-year operating history, publicly traded on NASDAQ (BOFI) since 2005 • Headquartered in single branch location in San Diego, CA • 503 employees ($12.4 million in assets per employee)1 • Market Capitalization of $1.46 billion2 1. As of 09/30/15 2. As of 10/29/2015 closing price of $93.05 per share We aspire to be the most innovative branchless bank in the United States providing products and services superior to our branch based competitors Vision Key Facts

5 #1 2012 The Best of the Biggest Thrifts BofI Holding, Inc. (BOFI) 1 CA 154.986 2,874.3 1.44 17.72 14.33 38.05 1.11 0.29 Source: SNL Financial 2013 The Best of the Biggest Thrifts #1 BofI Holding, Inc. (BOFI) 1 CA 167.418 3,568.3 1.54 17.79 15.36 40.70 0.63 0.03 BofI is Consistently Ranked among the Best of the Biggest Thrifts by SNL Financial... 2014 The Best of the Biggest Thrifts BofI Holding, Inc. (BOFI) 1 CA 172.94 5,194.7 1.56 18.23 27.77 34.40 0.79 0.03 #1

6 ...and is also a Top Performer among the Broader Universe of all Public Banks and Thrifts 2014 rank 2013 rank Total assets ($000) 2013 ROAE (%) 2013 ROAA (%) Non-interest income/total revenue (%) Capital ratio (%) Efficiency ratio (%) Non- performing loans/total loans (%) 1 79 Central Pacific Financial Corp., Honolulu, HI $4,741,198 27.7 3.73 28.96 21.6 74.39 2.47 2 N/A Palmetto Bancshares, Inc., Greenville, SC $1,090,229 26.06 2.53 26.36 15.5 77.24 5.45 3 N/A First National Community Bancorp, Inc., Dunmore, PA $1,003,808 18.72 0.67 17.8 11.6 101.74 0.99 4 4 BofI Holding, Inc., San Diego, CA $3,568,299 17.97 1.6 20.28 15.7 41.12 0.64 5 29 Southside Bancshares, Inc., Tyler, TX $3,445,663 16.5 1.22 19.59 21.7 63.62 0.89 6 6 Bank of the Ozarks, Inc., Little Rock, AR $4,787,068 15.5 2.04 26.64 17.1 47.71 0.26 7 63 Western Alliance Bancorporation, Phoenix, AZ $9,307,095 14.34 1.35 2.79 12.4 55.6 2.45 8 16 First Financial Bankshares, Inc., Abilene, TX $5,222,208 13.75 1.64 26.42 17 52.2 1.05 9 11 Hingham Institution for Savings, Hingham, MA $1,356,441 13.63 1.06 4.14 13.8 43.26 0.55 10 23 Alerus Financial Corporation, Grand Forks, ND $1,380,733 13.58 1.54 63.97 14.3 74.03 0.57 Source: ABA Banking Journal, May 2014 Note: Public banks and thrifts with total assets of $1-10 billion dollars

7 BofI is a Top Quartile Performer Versus Bank Peer Group BofI Federal Bank Peer Group Percentile ROAA 1.75% 0.82% 91% Return on equity 19.82% 7.00% 95% G&A 1.35% 2.67% 14% Efficiency ratio 29.38% 67.58% 2% Source: Uniform Bank Performance Report (UBPR) as of 6/30/15 Note: Peer group is all savings banks with assets greater than $1 billion for quarter ended 06/30/15 The 95% on ROE means that the Bank outperformed 95% of all Banks. The 14% G&A ranking means that only 14% of Banks spend less on G&A than BofI. Peer group includes savings banks greater than $1 billion dollars.

8 Salaries and benefits Premises and equipment BofI1 (%) 0.70 0.12 Other non-interest expense 0.50 Total non-interest expense 1.32 Core business margin 2.78 1.48 0.34 1.15 2.97 0.57 Banks $1-$10bn2 (%) Net interest income 4.10 3.54 As % of average assets 1. BofI Federal Bank only for the three months ended 6/30/15 - the most recent data on FDIC website “Statistics on Depository Institutions Report" Excludes BofI Holding, Inc. to compare to FDIC data 2. Commercial banks by asset size. FDIC reported for three months ended 06/30/15. Total of 480 institutions $1-$10 billion Our Business Model is More Profitable Because Our Costs are Lower

9 Diversified Branchless Deposit Businesses Key Elements Deposit Consumer direct internet brands Distribution Partners BIN sponsorship • Demographically targeted brands • Differentiated products with turn-down product options Business banking • Exclusive relationships with significant brands, groups, or employees • Exclusive relationships with financial planners through BofI Advisor • Business banking with full suite of cash management services • Prepaid program managers with focus on large national programs Specialty deposits • 1031 exchange firms • Title and escrow companies • HOA and property management • IOLTA accounts

10 Core Deposit Growth Was Sufficiently Strong To Grow Overall Deposits While Changing The Deposit Mix Deposit Growth Future Plans • Enhanced digital marketing • Products and technology integration targeted to specific industry groups • Create differentiated consumer and...


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