Bancorp Inc

APPENDIX

31 GAAP REVENUE & EFFICIENCY RATIO CALCULATIONS APPENDIX ($ millions) Q3 YTD 2024 Q3 YTD 2023 2023 2022 2021 The Bancorp $ 281,945 $ 261,893 $ 354,052 $ 248,841 $ 210,876 Net interest income 92,212 85,105 112,094 105,683 104,749 Non - interest income 374,157 346,998 466,146 354,524 315,625 Total revenue 8% 31% 12% 13% Growth (Current period over previous period) $ 151,413 $ 145,432 $ 191,042 $ 169,502 $ 168,350 Non - interest expense 40% 42% 41% 48% 53% Efficiency Ratio 1 Payments non - interest income (Fintech Solutions business line) $ 9,856 $ 7,153 $ 9,822 $ 8,935 $ 7,526 ACH, card, and other payment processing fees 72,948 67,013 89,417 77,236 74,654 Prepaid, debit card, and related fees 1,740 - - - - Consumer credit fintech fees $ 84,544 $ 74,166 $ 99,239 $ 86,171 $ 82,180 Total payments (Fintech Solutions) non - interest income 23% 21% % of Total revenue 1 The efficiency ratio is calculated by dividing GAAP total non - interest expense by the total of GAAP net interest income and non - interest income. This ratio compares revenues generated with the amount of expense required to generate such revenues and may be used as one measure of overall efficiency.

32 RECONCILIATION OF NON - GAAP FINANCIAL METRICS TO GAAP APPENDIX ($ millions) Q3 2024 2023 2022 2021 2020 $ 31,004 $ 27,378 $ 22,374 $ 17,806 $ 16,082 Allowance for credit losses on loans and leases GAAP 772 814 1,167 964 775 Allowance for credit losses on SBLOC & IBLOC 30,232 26,564 21,207 16,842 15,307 Adjusted allowance for credit losses excluding SBLOC & IBLOC 5,906,616 5,361,139 5,486,853 3,747,224 2,652,323 Total loans and leases GAAP 1,543,215 1,627,285 2,332,469 1,929,581 1,550,086 SBLOC & IBLOC $ 4,363,401 $ 3,733,854 $ 3,154,384 $ 1,817,643 $ 1,102,237 Adjusted total loans and leases excluding SBLOC & IBLOC 0.5% 0.5% 0.4% 0.5% 0.6% Allowance for credit losses as % of total loans and leases balance GAAP 0.7% 0.7% 0.7% 0.9% 1.4% Adjusted allowance for credit losses as % of adjusted total loans and leases balance 1 1 Management excludes SBLOC and IBLOC in certain of its internal analysis, due to the nature of the related loan collateral. S BLO C are collateralized by marketable securities, with loan to values based upon guideline percentages which vary based upon security type. IBLOC are collateralized by the ca sh value of life insurance.