The Bancorp Financial Overview

The Bancorp FINANCIAL REVIEW: INTEREST RATE SENSITIVITY 3.2% NIM FOR Q2 2021 DESPITE 0% FRB Core Lending Businesses RATE ENVIRONMENT¹ Institutional Banking² Real Estate Bridge Lending Small Business³ Leasing Q2 BALANCE¹ ($MILLIONS) RATE SENSITIVITY $1,802 Majority of loan yields will increase as rates increase $1,470 4.8% avg. floor and yield will increase as rates exceed floors $680 Majority of loan yields will increase as rates increase $506 Fixed rates but short average lives Total $4,458 $6,086 Total Deposits Core Lending businesses account for 97% of the total $4,593 loans A majority of deposits adjust to a portion of rate changes in line with partner contracts HIGHLIGHTS ✓ Floating rate lending businesses include Real Estate Capital Markets, SBLOC, IBLOC and the majority of Small Business Deposits primarily comprised of prepaid and debit accounts, anchored by multi-year, contractual relationships ✓ Interest income should increase in higher interest rate environments 1Loans are as of June 30, 2021 and deposits are average balance for Q2 YTD 2021. 2Institutional Banking substantially comprised of securities backed loans and insurance backed loans. 3Excludes $129M of short-term PPP loans which are government guaranteed and deferred costs and fees. 26

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