Exhibit 99.2

JANUARY 27 th 2022 THE BANCORP INVESTOR PRESENTATION

2 FORWARD LOOKING STATEMENTS & OTHER DISCLOSURES DISCLOSURES Statements in this presentation regarding The Bancorp, Inc.’s (“The Bancorp”) business that are not historical facts or concern our earnings guidance or 2025 plan are “forward - looking statements”. These statements may be identified by the use of forward - looking terminology, including the words “may,” “believe,” “will,” “expect,” “anticipate,” “estimate,” “intend,” “plan," or similar words, and are based on current expectations about important economic, political, and technological factors, among others, and are subject to risks and uncertainties, which could cause the actual results, events or achievements to differ materially from those set forth in or implied by the forward - looking statements and related assumptions. These risks and uncertainties include those relating to the on - going COVID - 19 pandemic, the impact it will have on the company’s business and the industry as a whole, and the resulting governmental and societal responses. 2022 guidance and long - term financial targets in this presentation assume achievement of management’s credit roadmap growth goals as described herein and other growth goals. If such assumptions are not met, guidance and long - term financial targets might not be reached. For further discussion of these risks and uncertainties, see the “risk factors” sections contained, in The Bancorp’s Annual Report on Form 10 - K for the year ended December 31, 2020 and in its other public filings with the SEC. In addition, these forward - looking statements are based upon assumptions with respect to future strategies and decisions that are subject to change. Actual results may differ materially from the anticipated results discussed in these forward - looking statements. The forward - looking statements speak only as of the date of this presentation. The Bancorp does not undertake to publicly revise or update forward - looking statements in this presentation to reflect events or circumstances that arise after the date of this presentation, except as may be required under applicable law. This presentation contains information regarding financial results that is calculated and presented on the basis of methodologies other than in accordance with accounting principles generally accepted in the United States (“GAAP”), such as those identified in the Appendix. As a result, such information may not conform to SEC Regulation S - X and may be adjusted and presented differently in filings with the SEC. Any non - GAAP financial measures used in this presentation are in addition to, and should not be considered superior to, or a substitute for, financial statements prepared in accordance with GAAP. Non - GAAP financial measures are subject to significant inherent limitations. The non - GAAP measures presented herein may not be comparable to similar non - GAAP measures presented by other companies. This information may be presented differently in future filings by The Bancorp with the SEC. This presentation may contain statistics and other data that in some cases has been obtained from or compiled from information made available by third - party service providers. The Bancorp makes no representation or warranty, express or implied, with respect to the accuracy, reasonableness or completeness of such information. Past performance is not indicative nor a guarantee of future results. Copies of the documents filed by The Bancorp with the SEC are available free of charge from the website of the SEC at www.sec.gov as well as on The Bancorp’s website at www.thebancorp.com . This presentation is for information purposes only and shall not constitute an offer to sell or the solicitation of an offer to buy any securities. Neither the SEC nor any other regulatory body has approved or disapproved of the securities of The Bancorp or passed upon the accuracy or adequacy of this presentation. Any representation to the contrary is a criminal offense.

3 THE BANCORP HAS DELIVERED STRONG FINANCIAL PERFORMANCE 2020 2021 PROFITABILITY ROE 15% 18% GROWTH REVENUE GROWTH 1 14% 13% SCALABLE PLATFORM EFFICIENCY RATIO 1 59% 53% KEY FINANCIAL METRICS Increasing level of profitability Double digit growth Platform delivering operating leverage FINANCIAL PERFORMANCE 1 Please see Appendix slide 32 for revenue growth and efficiency ratio calculations. SUSTAINED PERFORMANCE The Bancorp is continuing to deliver high quality financial performance across key financial metrics.

4 OUR BUSINESS PLAN OUTLINES THE PATH TO EXPAND OUR LEADERSHIP AMONG PEER BANKS AND IN THE PAYMENTS INDUSTRY $0.90 $1.37 $1.88 $2.15 $0.00 $0.25 $0.50 $0.75 $1.00 $1.25 $1.50 $1.75 $2.00 $2.25 2019 2020 2021 2022 Guidance EARNINGS PER SHARE EARNINGS GUIDANCE GUIDANCE Our 2022 guidance 1 is $2.15 per share as we maintain strong momentum across our platform. 1 2022 guidance assumes achievement of management’s credit roadmap growth goals as described elsewhere in this presentation, an d o ther budgetary goals.

5 FINANCIAL INDUSTRY LEADER CIO OUTLOOK TOP PAYMENT & CARD SOLUTIONS PROVIDER JUL. 2020 FORTUNE 100 FASTEST GROWING COMPANY RANKED #28 OCT. 2020 CIO REVIEW TOP BANKING TECHNOLOGY SOLUTIONS PROVIDER FEB. 2020 IPA CONSUMER CHAMPION APR. 2021 NILSON REPORT RANKED #1 PREPAID CARD ISSUER JUNE 2021 EQUAL OPPORTUNITY PUBLICATION TOP EMPLOYER READERS CHOICE MAR. 2021 – RANKED #29 MAR. 2020 – RANKED #46 S&P SMALL CAP 600 ADDED TO RATING MAY 2021 INDUSTRY LEADERSHIP NILSON REPORT RANKED #7 DEBIT ISSUING BANK APRIL 2021 RECOGNIZED PERFORMANCE At The Bancorp, we strive for excellence and have been recognized in the market as a leader across a variety of industry rankings.

6 FINTECH LEADERSHIP THE BANCORP IS A KEY PLAYER IN THE PAYMENTS ECOSYSTEM FINTECH ECOSYSTEM Enabling fintech companies by providing industry leading card issuing, payments facilitation and regulatory expertise to a highly diversified portfolio of clients. PAYMENT NETWORKS FACILITATE payments between parties via the card networks. PROGRAM MANAGERS CLIENT FACING platforms deliver highly scalable banking solutions to customers with emphasis on customer acquisition and technology. REGULATORS OVERSIGHT of domestic banking and payments activities. PROCESSORS BACK - OFFICE support for program managers providing record keeping and core platform services. FINTECH ECOSYSTEM

7 SPECIALIZED LENDING BUSINESS LINES AND CREDIT ROADMAP Real Estate Bridge Lending $1.7B Emphasis on core business lines with expectation to add related products and enter adjacent markets Expand commercial real estate bridge lending business with focus on multi - family assets Remain positioned to capitalize on credit - linked payments opportunities Maintain balance sheet flexibility as we approach $10B in total assets Institutional Banking $2.1B Small Business $0.7B Leasing $ 0.5B CORE LENDING BUSINESSES AS OF YEAR END 2021 TOTAL $ 5.0 B Established Operating Platform Scalable technology, operations and sales platforms across lending business to support sustained growth CREDIT ROADMAP CREDIT ROADMAP CREDIT ROADMAP We created a credit roadmap which outlines multi - year growth strategies across our specialized lending business lines.

8 OUR STRATEGIC POSITIONING SHOULD DRIVE EARNINGS AND PROFITABILITY HIGHLIGHTS Our platform can deliver growth from our specialized lending activities while remaining positioned to capitalize on new and higher - growth fintech partnerships. SPECIALIZED COMMERCIAL BANKS Efficient platforms Products in focused markets Higher growth than traditional banking We can achieve our long - term financial targets by maintaining flexibility to capitalize on growth opportunities in both fintech and specialty commercial banking. THE BANCORP BUSINESS MODEL We participate in the high - growth fintech markets by partnering with leading companies Our specialized lending businesses are supported by an established operating platform and have delivered meaningful growth NON - BANK FINANCIAL TECHNOLOGY COMPANIES (FINTECH) Rapid growth Technology driven Alternatives to traditional banking

9 FINANCIAL TARGETS Our multi - year plan outlines the path to deliver shareholder value by activating payments ecosystem 2.0, executing on our credit roadmap and enhancing our capital return program. CAPITAL RETURN INTRODUCING OUR 2025 PLAN VISION 500 Established the plan to optimize our balance sheet PAYMENTS ECOSYSTEM Enhance plan to maximize capital return to shareholders Activate Payments Ecosystem 2.0 TOTAL REVENUE >$500 Million CREDIT ROADMAP ROE >22% ROA >2% LEVERAGE 9% LONG - TERM FINANCIAL TARGETS 1 FINANCIAL TARGETS 1 Long - term financial targets assume achievement of management’s credit roadmap growth goals as described elsewhere in this presen tation and other budgetary goals.

10 FINTECH SOLUTIONS GENERATES NON - INTEREST INCOME AND ATTRACTS STABLE, LOWER - COST DEPOSITS DEPLOYED INTO LOWER RISK ASSETS IN SPECIALIZED MARKETS FINTECH SOLUTIONS Enabling fintech companies by providing card sponsorship and facilitating other payments activities INSTITUTIONAL BANKING Lending solutions for wealth management firms COMMERCIAL LENDING Small business lending and commercial fleet leasing + THE BANCORP BUSINESS MODEL PAYMENTS & DEPOSITS Market - leading payments activities generate non - interest income and stable, lower - cost deposits LENDING Highly specialized lending products in high - growth markets THE BANCORP BUSINESS MODEL Real Estate Bridge Lending Focus on multifamily assets in high - growth markets

DEPOSITS & FEES: FINTECH SOLUTIONS GENERATES NON - INTEREST INCOME AND STABLE, LOWER - COST DEPOSITS

12 FINTECH SOLUTIONS: FEE GENERATING ACTIVITIES % TOTAL BANK REVENUE 2021 1 12 % GROSS DOLLAR VOLUME GROWTH 2 OUR FINTECH SOLUTIONS BUSINESS ENABLES LEADING FINTECH COMPANIES DEBIT PROGRAM MANAGERS (CHALLENGER BANKS) PREPAID/STORED VALUE PROGRAM MANAGERS • Provides physical and virtual card issuing • Maintains deposit balances on cards • Facilitates payments into the card networks as the sponsoring bank • Established risk and compliance function is highly scalable #7 Debit Issuing Bank 2020 #1 Prepaid Issuing Bank 2020 26 % GOVERNMENT HEALTHCARE CORPORATE SERVICES GIFT 1 Includes non - interest income from prepaid and debit card issuance plus ACH, card and other payments processing fees. Please see Appendix slide 32 for calculation 2 2021 vs 2020.

13 FINTECH SOLUTIONS: ESTABLISHED OPERATING PLATFORM HIGHLY SCALABLE PLATFORM TO SUPPORT OUR STRATEGIC PARTNERS ESTABLISHED OPERATING PLATFORM • Infrastructure in place to support significant growth • Long - term relationships with multiple processors enables efficient onboarding • Continued technology investments without changes to expense base REGULATORY EXPERTISE • Financial Crimes Risk Management program with deep experience across payments ecosystem • Customized risk and compliance tools specific to the Fintech Industry OTHER PAYMENTS OFFERINGS • Rapid Funds instant payment transfer product • Potential to capitalize on credit - linked payments opportunities • Additional payments services include ACH processing for third parties INNOVATIVE SOLUTIONS Our platform supports a wide variety of strategic fintech partners through our established processor relationships, regulatory expertise and suite of other payments products.

14 DEPOSIT GROWTH FROM PAYMENTS BUSINESS FINTECH SOLUTIONS: STABLE, LOWER - COST DEPOSIT GENERATOR 1 Time deposits have rarely been used due to lower cost deposit growth and previous balances are included in “Other”. 2 Average for 2021 $3,819 $3,812 $3,862 $4,025 $5,235 $5,749 $0 $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 $4,000 $4,500 $5,000 $5,500 $6,000 $6,500 $7,000 2016 2017 2018 2019 2020 2021 AVERAGE DEPOSITS BY PERIOD (MILLIONS) Fintech Solutions Group (Prepaid and Debit Card Issuance and other payments) Institutional Banking (checking and money market for higher net worth individuals) Other (Includes time deposits 1 and other legacy deposit programs) HIGHLIGHTS • Stable, lower - cost deposit base anchored by multi - year, contractual relationships in our payments businesses • Fintech Solutions growth driven by increased transactional volume due to favorable tailwinds from stimulus, electronic banking migration and overall savings increases among consumers DEPOSIT TYPE (AVG 2 .) BALANCE % TOTAL Demand & Int. checking $5.3B 93% Savings & money market $0.4B 7% Time deposits 1 - 0% Total $5.7B 100% Savings & Money Market 7% Time Deposits 0% Demand & Int. checking 93% COST OF DEPOSITS 0.30% 0.38% 0.67% 0.85% 0.25% 0.10%

LOANS & LEASES: HIGHLY SPECIALIZED LENDING WITH LOW LOSS HISTORIES

16 LOANS & LEASES: CREDIT ROADMAP CREDIT ROADMAP Delivering enterprise value from our balance sheet is an important element of our business strategy and a primary focus of our credit roadmap initiative. MANAGE CREDIT RISK TO DESIRED LEVELS IMPROVE NIM AND MONITOR INTEREST RATE SENSITIVITY MANAGE REAL ESTATE EXPOSURE TO CAPITAL LEVELS MAINTAIN FLEXIBILITY AS WE APPROACH $10B TOTAL ASSETS Building an asset mix that drives earnings and profitability while maintaining desired credit and interest rate risk characteristics KEY CONSIDERATIONS FOR GROWTH GUIDELINES WE CONSIDERED AS WE BUILT OUR CREDIT ROADMAP

17 LOWER CREDIT RISK LOAN PORTFOLIO LOANS & LEASES: STRONG COLLATERAL AND GOVERNMENT GUARANTEES BUSINESS LINE BALANCE SHEET CATEGORY Q4 2021 PRINCIPAL BALANCE ($ MILLIONS) % OF TOTAL PORTFOLIO Institutional Banking Securities - backed lines of credit (SBLOC) ( A) $ 1,141 23% Insurance - backed lines of credit (IBLOC) (B) 788 16% Advisor Financing 116 2% Total 2,045 41% Real Estate Bridge Lending Multifamily - commercial real estate (C) 1,610 32% Hospitality - commercial real estate 69 1% Retail - commercial real estate 61 1% Other 13 <1% Total 1,753 34% Small Business Lending U.S. government guaranteed portion of SBA loans ( D) 371 7% Pay check Protection Program Loans (PPP) ( D) 45 1% Commercial mortgage SBA ( E) 183 4% Unguaranteed portion of U.S. govn’t guaranteed loans 100 2% Non - SBA small business loans 17 <1% Construction SBA 17 <1% Total 733 14% Commercial Fleet Leasing Leasing ( F) 531 10% Other Other 5 <1% Total principal $ 5,067 100% 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 generally originated 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

18 INSTITUTIONAL BANKING LOANS & LEASES: INSTITUTIONAL BANKING BUSINESS OVERVIEW : • Automated loan application platform, Talea, provides industry - leading speed and delivery • Securities - backed lines of credit provide fast and flexible liquidity for investment portfolios • Insurance - backed lines of credit provide fast and flexible borrowing against the cash value of life insurance • Advisor Finance product provides capital to transitioning financial advisors to facilitate M&A, debt restructuring, and the development of succession plans • Deposit accounts for wealth management clients • Nominal historical credit losses CREDIT ROADMAP: • Continue momentum across current SBLOC, IBLOC and Advisor Finance products • Evaluate new lending opportunities in adjacent markets • Market dynamics support business model • Advisors shifting from large broker/dealers to independent platforms • Sector shift to fee - based accounts • Emergence of new wealth management providers LENDING AND BANKING SERVICES FOR WEALTH MANAGERS The Bancorp’s Business Model allows us to build banking solutions to “spec” without competing directly with our partner firms. We do not have any associated asset managers, proprietary advisory programs, or related programs. Our singular focus is to help our partner firms stay competitive in the marketplace and to grow and retain assets. ALWAYS A PARTNER, NEVER A COMPETITOR $ 2.1 B PORTFOLIO SIZE 2.6 % 12/31/2021 EST. YIELD

19 INSTITUTIONAL BANKING PRIMARILY COMPRISED OF SECURITIES & CASH VALUE LIFE INSURANCE LENDING LOANS & LEASES: INSTITUTIONAL BANKING LOAN PORTFOLIO LOAN TYPE PRINCIPAL BALANCE % OF PORTFOLIO Securities - backed lines of credit (SBLOC) $ 1,141 56% Insurance - backed lines of credit (IBLOC) 788 39% Advisor Financing 116 5% Total $ 2,045 100% INSTITUTIONAL BANKING LOANS ($MILLIONS) 12/31/2021 SECURITIES - BACKED LINES OF CREDIT • Nominal historical credit losses • Underwriting standards of generally 50% to equities and 80% or more to fixed income securities PORTFOLIO ATTRIBUTES PRINCIPAL BALANCE % PRINCIPAL TO COLLATERAL $ 18 37% 14 25% 9 31% 9 56% 9 35% 8 70% 8 65% 7 13% 7 44% 6 32% Total $ 95 40% TOP 10 SBLOC LOANS ($MILLIONS) 12/31/2021 INSURANCE - BACKED LINES OF CREDIT • Nominal historical credit losses • Loans backed by the cash value of insurance policies

20 SMALL BUSINESS LENDING LOANS & LEASES : SMALL BUSINESS LENDING BUSINESS OVERVIEW: • Established a distinct platform within the fragmented SBA market • National portfolio approach allows pricing and client flexibility • Solid credit performance demonstrated over time • Client segment strategy tailored by market CREDIT ROADMAP: • Continue delivering growth within existing small business lending platform while entering new verticals and growing the SBAlliance Š • SBAlliance Š program provides lending support to banks and financial institutions who need SBA lending capabilities through products such as: • Wholesale loan purchases • Interim bridge financing for small business owners • Participated in the Payroll Protection Program (PPP) and originated ~$300M in short term loans, SBA AND OTHER SMALL BUSINESS LENDING $ 688 M PORTFOLIO SIZE 1 5.0 % 12/31/2021 EST. YIELD ~$ 700 K AVERAGE 7(a) LOAN SIZE 1 Excludes $45M PPP loans. See Appendix slide 34 for reconciliation to total Small Business loans.

21 LOANS & LEASES: STRONG COLLATERAL & GOVERNMENT GUARANTEES SMALL BUSINESS LOANS BY TYPE 1 ($MILLIONS) 12/31//2021 1 Excludes the government guaranteed portion of SBA 7a loans and PPP loans. TYPE DISTRIBUTION • Diverse product mix • Commercial mortgage and construction are generally originated with 50% - 60% LTV’s GEOGRAPHIC DISTRIBUTION • Diverse geographic mix • Largest concentration in Florida representing 20% of total PORTFOLIO ATTRIBUTES SMALL BUSINESS LOANS BY STATE 1 ($MILLIONS) 12/31/2021 STATE SBL COMMERCIAL MORTGAGE SBL CONSTRUCTION SBL NON - REAL ESTATE TOTAL Florida $ 59 $ - $ 6 $ 65 California 42 2 4 48 North Carolina 23 5 3 31 Pennsylvania 27 - 3 30 New York 14 5 3 22 Illinois 16 - 2 18 Texas 12 - 4 16 New Jersey 6 - 7 13 Virginia 9 - - 9 Tennessee 10 - - 10 Colorado 3 5 1 9 Michigan 4 - 1 5 Georgia 3 - 1 4 Ohio 3 - 1 4 Washington 3 - - 3 Other states 19 - 10 29 Total $ 253 $ 17 $ 46 $ 316 SMALL BUSINESS LENDING TYPE SBL COMMERCIAL MORTGAGE SBL CONSTRUCTION SBL NON - REAL ESTATE TOTAL Hotels and motels $ 65 $ 4 $ - $ 69 Full - service restaurants 13 2 3 18 Child day care services 14 - 1 15 Mental health and substance abuse centers 14 - - 14 Baked goods stores 4 - 9 13 Lessors of nonresidential buildings 11 - - 11 Car washes 10 - - 10 Offices of lawyers 9 - - 9 Funeral homes and funeral services 8 - - 8 All other amusement and recreation industries 7 - 1 8 General warehousing and storage 7 - - 7 Fitness and recreational sports centers - 5 2 7 Assisted living facilities for the elderly 6 - - 6 Limited - service restaurants 1 2 3 6 Other 84 4 27 115 Total $ 253 $ 17 $ 46 $ 316

22 COMMERCIAL FLEET LEASING LOANS & LEASES : COMMERCIAL FLEET LEASING BUSINESS OVERVIEW: • Niche provider of vehicle leasing solutions • Focus on smaller fleets (less than 150 vehicles) • Direct lessor (The Bancorp Bank sources opportunities directly and provides value - add services such as outfitting police cars) • Historical acquisitions of small leasing companies have contributed to growth • Mix of commercial (~85%) and government - related business (~15%) CREDIT ROADMAP: • Continue enhancing platform and growing balances • Enhanced sales process and support functions • Pursuing technology enhancements to scale business with efficiency • Constantly evaluating organic and inorganic growth opportunities in the vehicle space NICHE - VEHICLE FLEET LEASING SOLUTIONS $ 531 M PORTFOLIO SIZE 5.9 % 12/31/2021 EST. YIELD

23 LOANS & LEASES: COMMERCIAL FLEET LEASING PORTFOLIO OVERVIEW • Largest concentration is construction sector • Of the $531M total portfolio, $475M are vehicle leases with the remaining $56M made up of equipment leases PORTFOLIO ATTRIBUTES TYPE BALANCE TOTAL Construction $ 100 19% Government agencies and public institutions 78 15% Waste management and remediation services 62 12% Real estate and rental and leasing 54 10% Retail trade 46 9% Wholesale purchase 39 7% Health care and social assistance 30 6% Transportation and warehousing 28 5% Professional, scientific, and technical services 19 4% Wholesale trade 16 3% Manufacturing 16 3% Educational services 8 2% Other 35 5% Total $ 531 100% DIRECT LEASE FINANCING BY STATE ($MILLIONS) 12/31/2021 COMMERCIAL FLEET LEASING STATE BALANCE TOTAL Florida $ 92 17% California 49 9% Utah 42 8% New Jersey 40 8% Pennsylvania 34 6% New York 32 6% North Carolina 24 5% Maryland 24 5% Texas 20 4% Connecticut 16 3% Washington 15 3% Georgia 12 2% Idaho 11 2% Alabama 10 2% Tennessee 9 2% Other states 101 18% Total $ 531 100% DIRECT LEASE FINANCING BY TYPE ($MILLIONS) 12/31/2021

24 REAL ESTATE BRIDGE LENDING LOANS & LEASES: REAL ESTATE BRIDGE LENDING TYPE # LOANS BALANCE ORIGINATION DATE LTV WEIGHTED AVG INTEREST RATE % TOTAL Multifamily (apartments) 143 $ 1,610 75% 4.5% 92% Hospitality (hotels and lodging) 9 69 65% 5.7% 4% Retail 6 61 71% 4.3% 3% Other 7 13 73% 5.1% 1% Total 165 $ 1,753 75% 4.5% 100% COMMERCIAL REAL ESTATE LOANS BY TYPE ($MILLIONS) 12/31/2021 BUSINESS OVERVIEW: • Restarted floating rate bridge lending business in Q3 2021 • Lending focus on multi - family assets in carefully selected markets • New production targeting to replace runoff from existing portfolio Real estate bridge lending MULTI - FAMILY – 92% LODGING – 4% RETAIL – 3% OTHER - 1% ASSET CLASSES — % PORTFOLIO OVERVIEW • Vast majority of loans are multifamily including all of the top 15 exposures • Loans made prior to Q3 2021 will continue to be accounted for at fair value • Loans originated in 2021 and after will be held for investment and use the CECL methodology PORTFOLIO ATTRIBUTES $ 622 M PORTFOLIO LOANS BOOKED SINCE Q3 LAUNCH (ALL MULTIFAMILY)

FINANCIAL REVIEW

26 3.5% NIM FOR Q4 2021 DESPITE 0% FRB RATE ENVIRONMENT FINANCIAL REVIEW: INTEREST RATE SENSITIVITY 1 Loans are as of December 31, 2021 and deposits are average balance for Q4 2021. 2 Institutional Banking substantially comprised of securities backed loans and insurance backed loans. 3 Excludes $45M of short - term PPP loans which are government guaranteed and deferred costs and fees. Please see Appendix slide 34 for reconciliation to total SBA Loans. 2021 YEAR END BALANCE 1 ($MILLIONS) RATE SENSITIVITY Institutional Banking 2 $2,045 Majority of loan yields will increase as rates increase Real Estate Bridge Lending $1,753 4.5% wtd avg yield; rates will increase as floors are exceeded Non - PPP Small Business 3 $688 Majority of loan yields will increase as rates increase Leasing $531 Fixed rates but short average lives Total $5,017 Q4 2021 Average Deposits 1 $5,305 A majority of deposits adjust to a portion of rate changes in line with partner contracts Core Lending Businesses HIGHLIGHTS x Floating rate lending businesses include Real Estate Capital Markets, SBLOC, IBLOC and the majority of Small Business x Deposits primarily comprised of prepaid and debit accounts, anchored by multi - year, contractual relationships x Interest income is modeled to increase in higher rate environments, after the impact of floors is offset by market increases

27 REVENUE HAS GROWN CONSISTENTLY SINCE 2016 WHILE EXPENSES HAVE BEEN TIGHTLY MANAGED, CREATING OPERATING LEVERAGE FINANCIAL REVIEW: EARNINGS AND PROFITABILITY 1 Revenue includes net interest income and non - interest income. Please see Appendix slide 32 for these amounts. Lighter shade of blue in 2018 represents $65 million gain from sale of IRA business. 2 Non - interest income as percentage of average assets ranks in top quartile of the uniform bank performance report peer group thro ugh Q3 2021. $0 $50 $100 $150 $200 2017 2018 2019 2020 2021 NON - INTEREST EXPENSE $ Millions REVENUE • Annual revenue growth driven by diverse product mix • Net interest income growth driven by growth in balances across business lines • Greater proportion of non - interest income compared to peers 2 and includes a one time gain on sale of IRA business of $65M in 2018 EXPENSE • Expenses have been tightly managed since 2017 • Expense saves have continued to be realized and have funded critical BSA and other infrastructure which has attracted new clients • 2019 includes a $7.5M civil money penalty related to consent order remediation. In 2020, subsequent to the civil money penalty, the related consent order was lifted $0 $50 $100 $150 $200 $250 $300 2017 2018 2019 2020 2021 REVENUE 1 $ Millions

28 $0 $2 $4 $6 $8 $10 $12 $14 $16 $18 $20 2017 2018 2019 2020 2021 ALLOWANCE FOR CREDIT LOSSES REFLECTS OUR LOWER - RISK LOAN PORTFOLIO FINANCIAL REVIEW: LOAN LOSS RESERVE ALLOWANCE FOR CREDIT LOSSES ($MILLIONS) Small Business HELOC/Consumer/Other SBLOC/IBLOC/Advisor Financing Allowance for credit losses as % of loan balance 0.5% 0.6% 0.6% 0.6% 0.5% Adjusted allowance for credit losses as % of adjusted loan balance (excluding SBLOC & IBLOC) 1 1.0% 1.2% 1.2% 1.4% 0.9% HIGHLIGHTS CONTINUING OPERATIONS • Increase in allowance in 2021 reflected Real Estate Bridge Lending and other loan growth and solid credit performance DISCONTINUED OPERATIONS • Discontinued portfolio <2% of total loans Leasing Real Estate Bridge Lending 1 Please see Appendix slide 33 for GAAP to Non - GAAP reconciliation of adjusted allowance for credit losses to GAAP allowance for c redit losses as % of adjusted loan balance (excluding SBLOC & IBLOC)

29 CAPITAL POSITION FINANCIAL REVIEW: HISTORICAL CAPITAL POSITION HIGHLIGHTS • Established and executed share buyback program of $10M a quarter for 2021 • 2022 Plan for $15M share buyback per quarter • Corporate governance requires periodic assessment of capital minimums • Capital planning includes stress testing for unexpected conditions and events 0% 5% 10% 15% 20% 25% 2017 2018 2019 2020 2021 Tier 1 Leverage Ratio 7.9% 10.1% 9.6% 9.2% 10.4% 5.0% Tier 1 Risk - based Capital Ratio (RBC) 1 16% 20% 19% 14% 15% 8% Total Risk - based Capital Ratio 17% 21% 19% 15% 15% 10% Tier 1 Capital Ratio Total RBC Ratio Tier 1 Leverage Ratio THE BANCORP INC. CAPITAL RATIOS 1 Tier 1 risk - based ratio is identical to Common Equity Tier 1 to risk weighted assets and has a 6.5% well capitalized minimum Well - capitalized minimum

30 WE HAVE BEEN EXECUTING AGAINST OUR STRATEGIC PLAN AND IMPROVING FINANCIAL PERFORMANCE FINANCIAL REVIEW: EARNINGS AND PROFITABILITY PERFORMANCE METRICS 2017 2018 2019 2020 2021 LONG - TERM TARGETS ROE 7.0% 24.3% 11.6% 15.1% 17.9% 22% ROA 0.52% 2.07% 1.09% 1.34% 1.68% > 2.0% EPS $0.39 $1.55 $0.90 $1.37 $1.88 Leverage Ratio 7.9% 10.1% 9.6% 9.2% 10.4% 9% Total Assets $4.7B $4.4B $5.7B $6.3B $6.8B <$10B Efficiency Ratio 1 78% 55% 69% 59% 53% 1 Please see Appendix slide 32 for calculation of efficiency ratio

APPENDIX

32 GAAP REVENUE AND EFFICIENCY RATIO CALCULATIONS APPENDIX ($ millions) The Bancorp 2017 2018 2019 2020 2021 Net interest income $ 106,680 $ 120,849 $ 141,288 $ 194,866 $ 210,876 Non - interest income 91,548 153,795 1 104,127 84,617 104,749 Total 198,228 274,644 245,415 279,483 315,625 Growth (Year over previous Year) 14% 13% Non - interest expense $ 154,914 $ 151,278 $ 168,521 $ 164,847 $ 168,350 Efficiency Ratio 2 78% 55% 69% 59% 53% Payments non - interest income (Fintech Solutions business line) ACH, card and other payment processing fees $ 6,318 $ 8,653 $ 9,376 $ 7,101 $ 7,526 Prepaid, debit card and related fees 53,367 54,627 65,141 74,465 74,654 Total payments (Fintech Solutions) non - interest income $ 59,685 $ 63,280 $ 74,517 $ 81,566 $ 82,180 % of Total 26% 1 Includes $65 million gain on sale of IRA business 2 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 .

33 RECONCILIATION OF NON - GAAP FINANCIAL METRICS TO GAAP APPENDIX ($ millions) 2017 2018 2019 2020 2021 Allowance for credit losses on loans and leases GAAP $ 7,096 $ 8,653 $ 10,238 $ 16,082 $ 17,806 Allowance for credit losses on SBLOC & IBLOC 365 393 553 775 964 Adjusted allowance for credit losses excluding SBLOC & IBLOC 6,731 8,260 9,685 15,307 16,842 Total loans and leases GAAP 1,390,458 1,501,976 1,824,245 2,652,323 3,747,224 SBLOC & IBLOC 730,462 785,303 1,024,420 1,550,086 1,929,581 Adjusted total loans and leases excluding SBLOC & IBLOC $ 659,996 $ 716,673 $ 799,825 $ 1,102,237 $ 1,817,643 Allowance for credit losses as % of total loans and leases balance GAAP 0.51% 0.58% 0.56% 0.61% 0.48% Adjusted allowance for credit losses as % of adjusted total loans and leases balance 1 1.02% 1.15% 1.21% 1.39% 0.93% 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.

34 RECONCILIATION OF NON - GAAP FINANCIAL METRICS TO GAAP APPENDIX ($ millions) Small Business Loans 1 Year End 2021 U.S. government guaranteed portion of SBA loans $ 371 Paycheck Protection Program Loans (PPP) 45 Commercial mortgage SBA 183 Construction SBA 17 Non - guaranteed portion of U.S. government guaranteed 7a loans 100 Non - SBA small business loans 17 Total principal $ 733 Unamortized fees and costs 8 Total small business loans $ 741 Total principal 733 Less: Paycheck Protection Program Loan (PPP) 45 Total Small Business Lending principal excluding PPP $ 688 1 Management provides a breakdown of small business loans, to afford a greater understanding of its components, including PPP l oan s.