Financial Review Q3 2020

The Bancorp LOANS & LEASES: STRONG COLLATERAL AND GOVERNMENT GUARANTEES LOWER CREDIT RISK LOAN PORTFOLIO BUSINESS LINE Real Estate Capital Markets BALANCE SHEET CATEGORY Multifamily commercial real estate (A) Hospitality commercial real estate Retail commercial real estate Other Total Institutional Banking Small Business Lending Commercial Fleet Leasing Other Total principal % OF TOTAL LOWER CREDIT LOSS NICHES Q3 2020 PRINCIPAL BALANCE ($ MILLIONS) PORTFOLIO $ 1,463 34% 63 1% 52 1% 25 0% 1,603 36% Securities backed lines of credit (SBLOC) (B) 1,069 25% Insurance backed lines of credit (IBLOC) (C) Advisor Financing 359 8% 27 1% Total 1,455 34% U.S. government guaranteed portion of SBA loans (D) 334 8% Paycheck Protection Program Loans (PPP) (D) 208 5% Commercial mortgage SBA (E) 165 4% Unguaranteed portion of U.S. govn't guaranteed loans 98 2% Non-SBA small business loans 18 0% Construction SBA 13 0% Total 836 20% Leasing (F) Other 431 10% 13 0% $ 4,338 100% A. Nationally recognized CRE analytics firm projects cumulative 1.2% COVID stress credit loss for multifamily. Loans are on books at 99 dollar price B. SBLOC loans backed by marketable securities with no incurred credit losses C. IBLOC loans are backed by the cash value of life insurance policies with no incurred credit losses 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 and relatively low historical charge-offs 15

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