The Bancorp Financial Overview

The Bancorp LOANS & LEASES: STRONG COLLATERAL AND GOVERNMENT GUARANTEES LOWER CREDIT RISK LOAN PORTFOLIO BUSINESS LINE Institutional Banking Real Estate Bridge Lending Small Business Lending Commercial Fleet Leasing Other Total principal BALANCE SHEET CATEGORY Securities-backed lines of credit (SBLOC) (A) Insurance-backed lines of credit (IBLOC) (B) Advisor Financing Total Q2 2021 PRINCIPAL BALANCE ($ MILLIONS) % OF TOTAL PORTFOLIO 1,133 25% 597 12% 72 2% 1,802 39% Multifamily commercial real estate (C) Hospitality commercial real estate 1,323 29% 75 2% Retail commercial real estate Other Total 44 <1% 28 <1% 1,470 32% U.S. government guaranteed portion of SBA loans (D) 358 8% Paycheck Protection Program Loans (PPP) (D) Commercial mortgage SBA (E) 129 3% 189 4% Unguaranteed portion of U.S. govn't guaranteed loans 106 2% Non-SBA small business loans 18 <1% Construction SBA 9 <1% Total 809 18% Leasing (F) Other 506 11% 6 <1% $ 4,593 100% LOWER CREDIT LOSS NICHES A. SBLOC loans are backed by marketable securities with nominal credit losses B. IBLOC loans are backed by the cash value of life insurance policies with nominal credit losses C. Comprised of apartment buildings in carefully selected areas. Loans are on books at 99 dollar price D. Portion of small business loans fully guaranteed by the U.S. government E. 50%-60% loan to value ratios at origination F. Recourse to vehicles 17

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