Financial Review Q3 2020

The Bancorp FINANCIAL REVIEW: EARNINGS AND PROFITABILITY BY EXECUTING OUR STRATEGIC PLAN, WE EXPECT TO DELIVER MARKET-LEADING RETURNS & CREATE VALUE FOR SHAREHOLDERS PERFORMANCE METRICS 2017 2018 2019 Q3 2020 ROAE 7.0% 24.3% 11.6% LONG-TERM TARGETS 16.9%1 20% ROAA 0.52% 2.07% 1.09% 1.48%1 > 2.0% EPS $0.39 $1.55 $0.90 $0.40 Leverage Ratio 7.9% 10.1% 9.6% 8.6% 9% - 10% Total Assets $4.7B $4.4B $5.7B $6.2B ~$8.0B KEYS TO ACHIEVING FINANCIAL TARGETS Established a new Payments Ecosystem 2.0 which satisfies regulators and is scalable ✓ Invested in technology/innovation ✓ Maintained an industry leading compliance & risk function ✓ Expanded salesforce and marketing function in key markets ✓ Attracted & retain the best talent Build upon strong capital base through retained earnings Lifted consent order: the 2014 consent order was lifted in May 2020 and the 2015 consent order is pending review by regulators Efficiency Ratio² 1 Annualized for the three months ended September 30, 2020. 79% 71% 65% 57%1 2Efficiency ratio calculated by dividing non-interest expense by the total of net interest income and non-interest income. Non-interest income excludes gains/losses from sales of securities, changes in valuation to Walnut Street, and the sales of the Health Savings Account portfolio, the European payments business and the IRA portfolio. Expense excludes $8.9 million of total civil money penalties in 2019. 28

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