The Bancorp Financial Overview

The Bancorp LOANS & LEASES: REAL ESTATE BRIDGE LENDING REAL ESTATE BRIDGE LENDING 1000 ДДД Real estate bridge lending BUSINESS OVERVIEW: • Restarted floating rate bridge lending business in Q3 2021 • • Lending focus on multi-family assets in high-growth markets New production targeting to replace runoff from existing portfolio Long term the portfolio will be managed to remain below 300% of Tier 1 capital with no reliance on future securitizations PORTFOLIO ATTRIBUTES COMMERCIAL REAL ESTATE LOANS BY TYPE ($MILLIONS) 6/30/2021 TYPE # LOANS BALANCE ORIGINATION DATE LTV WEIGHTED AVG MIN INTEREST RATE % TOTAL Multifamily 136 $ 1,323 76% 4.8% 90% (apartments) Hospitality (hotels 11 75 65% 5.7% 5% and lodging) Retail 6 44 71% 4.7% 3% Other 7 28 70% 5.2% 2% Total 160 +A $ 1,470 75% 4.8% 100% OVERVIEW • • Vast majority of loans are multifamily including all of the top 15 exposures Existing loans treated as held for sale in "Commercial loans, at fair value" category on balance sheet Loans originated in 2021 and after will be held for investment and use the CECL methodology ASSET CLASSES % PORTFOLIO - MULTI-FAMILY - 90% LODGING - 5% RETAIL -3% OTHER -2% 24

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