The Bancorp, Inc. (TBBK): Análise de Pestle [Jan-2025 Atualizado]

No cenário dinâmico do Modern Banking, o Bancorp, Inc. (TBBK) navega em uma complexa rede de desafios e oportunidades que se estendem muito além dos serviços financeiros tradicionais. Essa análise abrangente de pestles revela os intrincados fatores externos que moldam o posicionamento estratégico do banco, desde pressões regulatórias e inovações tecnológicas até mudanças sociais e considerações ambientais. Ao dissecar essas influências multifacetadas, exploraremos como o Bancorp permanece ágil, adaptável e com visão de futuro em um ecossistema financeiro cada vez mais interconectado.

The Bancorp, Inc. (TBBK) - Análise de Pestle: Fatores Políticos

Os regulamentos bancários dos EUA sob a administração de Biden impactam as estratégias de conformidade do Bancorp

A Lei de Reforma e Proteção ao Consumidor de Dodd-Frank Wall Street continua a moldar a conformidade regulatória do Bancorp. A partir de 2024, as instituições financeiras devem manter:

Requisito regulatório	Métrica de conformidade
Índice de Reserva de Capital	10,5% de capital mínimo de nível 1
Participação do teste de estresse	Envio obrigatório anual
Índice de cobertura de liquidez	Requisito mínimo 100%

As políticas monetárias do Federal Reserve influenciam as decisões de empréstimos e investimentos

As métricas principais do Federal Reserve atuais que afetam as operações do Bancorp:

• Taxa de fundos federais: 5,25% - 5,50% em janeiro de 2024
• Basileia III Requisitos de Capital Aplicação
• Protocolos rigorosos de gerenciamento de riscos

Mudanças potenciais nos regulamentos de serviço financeiro

Destaques do cenário regulatório para instituições financeiras:

Área regulatória	Impacto potencial
Supervisão bancária digital	Requisitos de conformidade aumentados
Lavagem anti-dinheiro	Mandatos de relatórios aprimorados
Proteção ao consumidor	Regras de transparência mais rigorosas

Discussões em andamento sobre a supervisão do setor bancário e fintech

Principais áreas de foco regulatório para 2024:

• Monitoramento de transações de criptomoeda
• Regulamentos da plataforma de pagamento digital
• Padrões de conformidade de segurança cibernética

The Bancorp, Inc. (TBBK) - Análise de Pestle: Fatores econômicos

Baixa taxa de juros Ambiente desafia a margem de juros líquidos

A partir do quarto trimestre de 2023, a Bancorp, Inc. relatou uma margem de juros líquida de 2,89%, refletindo condições econômicas desafiadoras. A taxa de fundos federais permaneceu em 5,33% em janeiro de 2024, impactando a lucratividade bancária.

Métrica financeira	2023 valor	2024 Projeção
Margem de juros líquidos	2.89%	2.75-3.00%
Receita de juros	US $ 344,2 milhões	US $ 365-380 milhões
Receita de juros líquidos	US $ 272,6 milhões	US $ 290-305 milhões

A recuperação econômica pós-pandemia impulsiona oportunidades bancárias de pequenas empresas

Os empréstimos para pequenas empresas para o Bancorp aumentaram 12,7% em 2023, com a carteira total de empréstimos comerciais atingindo US $ 2,3 bilhões.

Segmento de empréstimos para pequenas empresas	2023 valor	Crescimento ano a ano
Empréstimos comerciais totais	US $ 2,3 bilhões	12.7%
Novas contas de negócios	4,672	15.3%
Tamanho médio do empréstimo	$487,000	8.2%

O aumento da adoção de bancos digitais suporta fluxos de receita não tradicionais

As transações bancárias digitais para o Bancorp aumentaram 37,4% em 2023, gerando US $ 124,6 milhões em receita não de juros.

Métricas bancárias digitais	2023 valor	Taxa de crescimento
Volume de transação digital	42,3 milhões	37.4%
Receita não interessante	US $ 124,6 milhões	22.9%
Usuários bancários digitais	187,400	28.6%

Riscos de inflação e recessão afetam estratégias de serviço financeiro

A estratégia de mitigação de risco do Bancorp inclui a manutenção de um Reserva de perda de empréstimo de US $ 412 milhões, representando 1,87% da carteira total de empréstimos em 2023.

Métricas de gerenciamento de riscos	2023 valor	Porcentagem de portfólio
Reserva de perda de empréstimo	US $ 412 milhões	1.87%
Empréstimos não-desempenho	US $ 67,3 milhões	0.31%
Índice de adequação de capital	13.6%	N / D

The Bancorp, Inc. (TBBK) - Análise de Pestle: Fatores sociais

Crescente preferência do consumidor por serviços bancários digitais e móveis

Em 2023, 78% dos americanos usam aplicativos bancários móveis. O Bancorp Bank relatou um aumento de 42% no envolvimento do usuário bancário digital em comparação com 2022.

Métrica bancária digital	2022 dados	2023 dados	Variação percentual
Usuários bancários móveis	3,2 milhões	4,5 milhões	Aumento de 40,6%
Volume de transação digital	US $ 18,7 bilhões	US $ 26,3 bilhões	Aumento de 40,1%

Aumento da demanda por soluções financeiras personalizadas

O tamanho do mercado de serviços financeiros personalizados atingiu US $ 8,4 bilhões em 2023, com crescimento projetado de 15,2% ao ano.

Categoria de personalização	2023 participação de mercado	Taxa de adoção do cliente
Portfólios de investimento personalizados	US $ 3,2 bilhões	37%
Produtos de crédito personalizados	US $ 2,6 bilhões	29%

A população envelhecida requer produtos bancários especializados

Até 2024, 56,4 milhões de americanos têm 65 anos ou mais, representando 17% da população total.

Produto financeiro sênior	Penetração de mercado	Valor médio da conta
Contas de poupança de aposentadoria	62%	$276,000
Fundos de investimento específicos para idosos	48%	$189,500

A Economia de Gig Rising cria novos segmentos de mercado para serviços financeiros

Em 2023, 64 milhões de americanos participaram da economia do show, representando 40,9% da força de trabalho total.

Serviço financeiro de economia do show	Tamanho de mercado	Taxa de adoção do usuário
Contas bancárias freelancers	US $ 2,7 bilhões	53%
Linhas de crédito flexíveis	US $ 1,9 bilhão	41%

The Bancorp, Inc. (TBBK) - Análise de Pestle: Fatores tecnológicos

Investimento contínuo em plataformas bancárias digitais e segurança cibernética

A Bancorp, Inc. alocou US $ 12,4 milhões em investimentos em infraestrutura de tecnologia para 2023, com 68% dedicados aos aprimoramentos da plataforma bancária digital e melhorias em segurança cibernética.

Categoria de investimento em tecnologia	Alocação de 2023 ($)	Porcentagem do orçamento de tecnologia total
Plataformas bancárias digitais	6,752,000	54.5%
Infraestrutura de segurança cibernética	3,688,000	29.7%
Ferramentas de segurança de rede	1,960,000	15.8%

Integração de blockchain e IA para serviços financeiros aprimorados

O Bancorp investiu US $ 3,7 milhões em tecnologias de IA e blockchain, direcionando a melhoria de 22% de eficiência no processamento de serviços financeiros.

Tecnologia	Investimento ($)	Ganho de eficiência esperado
Análise financeira da IA	2,220,000	15%
Sistemas de transação blockchain	1,480,000	7%

Tecnologias bancárias móveis e de pagamento aprimoradas

As transações bancárias móveis aumentaram 37% em 2023, com US $ 5,6 milhões investidos em infraestrutura de tecnologia móvel.

Métrica bancária móvel	2023 dados	Mudança de ano a ano
Volume de transação móvel	4.280.000 transações	Aumento de 37%
Downloads de aplicativos móveis	126,500	Aumento de 28%

Transformação de computação em nuvem de infraestrutura bancária

O Bancorp migrou 82% de sua infraestrutura bancária para plataformas em nuvem, representando um investimento de transformação de tecnologia de US $ 9,3 milhões.

Métrica de migração em nuvem	2023 Status	Investimento ($)
Cobertura de infraestrutura em nuvem	82%	9,300,000
Implementações de segurança em nuvem	7 novos protocolos de segurança	2,100,000

The Bancorp, Inc. (TBBK) - Análise de Pestle: Fatores Legais

Conformidade com a Lei de Sigilo Banco e regulamentos de lavagem de dinheiro

O Bancorp, Inc. registrou US $ 12,4 milhões em despesas relacionadas à conformidade em 2023. A Companhia mantém um Programa abrangente de conformidade da Lei de Sigilo Banco (BSA) com 47 pessoal de conformidade dedicado.

Métrica de conformidade regulatória	2023 dados
Funcionários da equipe de conformidade	47 funcionários
Despesas anuais de conformidade	US $ 12,4 milhões
Relatórios de atividades suspeitas arquivadas	1.236 relatórios
Frequência do exame regulatório	Trimestral

Scrutínio regulatório contínuo de parcerias de fintech

O Bancorp mantém 86 parcerias ativas de fintech a partir do quarto trimestre 2023, com Volume total de transações atingindo US $ 24,3 bilhões.

Fintech Partnership Metrics	2023 Estatísticas
Total de parcerias ativas de fintech	86 parcerias
Volume total de transações	US $ 24,3 bilhões
Investigações regulatórias	3 críticas em andamento

Leis de proteção ao consumidor que regem as ofertas de produtos financeiros

O Bancorp alocou US $ 8,7 milhões para a conformidade legal com os regulamentos de proteção ao consumidor em 2023.

• Taxa de resolução de reclamação do consumidor: 98,2%
• Tempo médio de resolução de reclamação: 7,3 dias
• Equipe jurídica de proteção ao consumidor: 22 advogados

Requisitos legais de privacidade e segurança de dados

A empresa investiu US $ 15,6 milhões em infraestrutura de segurança cibernética e proteção de dados durante 2023.

Métrica de segurança de dados	2023 dados
Investimento de segurança cibernética	US $ 15,6 milhões
Dados Brecha Incidentes	0 violações confirmadas
As auditorias de conformidade foram aprovadas	5 de 5
Status de conformidade com GDPR/CCPA	Totalmente compatível

The Bancorp, Inc. (TBBK) - Análise de Pestle: Fatores Ambientais

Ênfase crescente nas práticas bancárias sustentáveis

A Bancorp, Inc. registrou US $ 10,3 milhões investidos em iniciativas de financiamento sustentável em 2023. O portfólio de empréstimo verde do banco aumentou 22,7% em comparação com o ano anterior, atingindo US $ 287,6 milhões em empréstimos sustentáveis ​​totais.

Métrica financeira sustentável	2023 valor	Mudança de ano a ano
Portfólio de empréstimos verdes	US $ 287,6 milhões	+22.7%
Alocação de investimento sustentável	US $ 10,3 milhões	+15.4%
Investimentos de compensação de carbono	US $ 4,2 milhões	+18.9%

Critérios de investimento ESG influenciando estratégias corporativas

A Bancorp, Inc. alocou 37,5% de seu portfólio de investimentos institucionais para ativos compatíveis com ESG em 2023. Investimentos de energia renovável representavam 14,2% da estratégia total de investimento do banco.

Categoria de investimento ESG	Porcentagem de portfólio	Valor total de investimento
Ativos compatíveis com ESG	37.5%	US $ 642,9 milhões
Investimentos de energia renovável	14.2%	US $ 243,5 milhões
Investimentos de tecnologia sustentável	8.7%	US $ 149,3 milhões

Uso reduzido em papel através de plataformas bancárias digitais

A Bancorp, Inc. relatou uma redução de 43,6% no consumo de papel por meio de plataformas bancárias digitais em 2023. As transações bancárias on -line e móveis aumentaram 28,9%, atingindo 76,4 milhões de transações digitais.

Métrica bancária digital	2023 valor	Mudança de ano a ano
Redução do consumo de papel	43.6%	Diminuído
Transações bancárias digitais	76,4 milhões	+28.9%
Usuários bancários móveis	342,000	+19.3%

Avaliação de risco climático nas decisões de empréstimos e investimentos

O Bancorp, Inc. implementou protocolos de avaliação de risco climático, cobrindo 64,3% de seu portfólio de empréstimos em 2023. O banco reduziu os investimentos no setor de alto carbono em 22,1%, totalizando US $ 176,8 milhões em esforços de mitigação de risco climático.

Métrica de gerenciamento de risco climático	2023 valor	Mudança de ano a ano
Cobertura de risco climático portfólio	64.3%	+17.6%
Redução de investimento do setor de alto carbono	US $ 176,8 milhões	-22.1%
Investimentos de mitigação de risco climático	US $ 93,4 milhões	+26.3%

The Bancorp, Inc. (TBBK) - PESTLE Analysis: Social factors

Sociological

The Bancorp's business model is defintely a reflection of a major shift in consumer behavior: the rapid and widespread adoption of digital-first financial services. You see this everywhere, and it's the core social tailwind driving their growth. The modern consumer wants seamless, integrated banking, not a trip to a physical branch, so The Bancorp's Banking as a Service (BaaS) model, which powers many of your favorite FinTech apps, capitalizes directly on this trend.

This high consumer adoption is what translates directly into impressive financial metrics. For the third quarter of 2025, the Gross Dollar Volume (GDV)-the total amount spent on prepaid, debit, and credit cards through their platform-hit a massive $44.04 billion. That's a 16% jump year-over-year, showing that the social preference for digital payments isn't slowing down.

The company's focus on FinTech partnerships, where they provide the regulated banking infrastructure, means they benefit from the social momentum of their partners. Here's the quick math on that growth:

• Fintech credit sponsorship balances surged to $785.0 million in Q3 2025.
• That represents a stunning 180% increase compared to the same quarter last year.
• Total payment fees (prepaid, debit, ACH) climbed 10% to $30.6 million for the quarter.

This performance is why the market recognizes them not just as a FinTech enabler, but as a strong financial institution in its own right. They are consistently recognized as the top-ranked publicly traded bank in the $5B-$50B asset class by Bank Director Magazine.

Reputation and Talent Pool

A strong social profile isn't just about customers; it's about attracting and keeping top talent. The Bancorp's reputation as an employer helps them secure the specialized FinTech and compliance expertise their model demands. They've been recognized as a Readers' Choice Top 50 Employer by Equal Opportunity Magazine, a nod to their commitment to diversity and a positive work environment.

This reputation is a key, non-financial asset that supports their strategic initiatives, like the development of their embedded finance platform, which is tracking for launch in 2026. To be fair, this kind of specialization requires a stable, skilled workforce, and their consistent ranking helps with that.

The following table summarizes the key social indicators that map consumer behavior and internal culture to financial outcomes in Q3 2025:

Social Factor Indicator	Q3 2025 Value	Year-over-Year Change	Strategic Implication
Gross Dollar Volume (GDV)	$44.04 billion	+16%	Sustained consumer adoption of partner FinTech card products.
Fintech Credit Sponsorship Balances	$785.0 million	+180%	Accelerated social acceptance and utilization of FinTech credit products.
Total Payment Fees	$30.6 million	+10%	Direct revenue growth from digital-first payment transaction volume.
Employer Recognition	Readers' Choice Top 50 Employer	Consistent (Multi-year)	Strong social capital helps with talent acquisition and retention in a competitive FinTech market.

The core takeaway is simple: The Bancorp isn't a traditional bank; it's a technology company with a bank charter, and the social shift toward digital banking is its biggest market opportunity.

The Bancorp, Inc. (TBBK) - PESTLE Analysis: Technological factors

The Bancorp, Inc.'s entire growth story is now centered on its technological moat, the Banking-as-a-Service (BaaS) platform. You need to understand that this isn't a traditional bank with a side hustle; the core business is providing the licensed, compliant infrastructure that allows major financial technology (FinTech) partners to offer their own branded banking products to millions of customers. The technology is the product.

This model has positioned The Bancorp as a payments powerhouse, not a competitor. As of the latest Nilson Report data from 2025, the company ranks as the #1 issuer of prepaid cards and the #6 issuer of debit cards in the U.S. This scale is what makes the platform so valuable to partners; it's a proven, high-volume engine.

FinTech Solutions Group Growth and Scalability

The real-time proof of the platform's technological strength is its scalability. The FinTech Solutions Group Gross Dollar Volume (GDV), which is the total amount spent on prepaid, debit, and credit cards, totaled $44.04 billion for the quarter ended September 30, 2025. Here's the quick math: that GDV represents a significant year-over-year growth of 16% in Q3 2025, showing the platform can defintely handle massive transaction volume increases without a proportional rise in operating costs.

This growth is translating directly into high-margin fee revenue. Total prepaid, debit card, ACH, and other payment fees increased 10% to $30.6 million in Q3 2025 alone. Also, the company's focus on FinTech has made it a stable deposit generator, with average FinTech Solutions deposits for Q3 2025 reaching $7.3 billion, a 10% increase from the prior year.

FinTech Solutions Key Metrics (Q3 2025)	Amount/Value	YoY Change
Gross Dollar Volume (GDV)	$44.04 billion	+16%
Total Payment Fees	$30.6 million	+10%
Consumer Credit FinTech Loans	$785.0 million	+180%
Average FinTech Deposits	$7.3 billion	+10%

Strategic Investment and Future Capabilities

Continuous investment in FinTech capabilities is a clear strategic focus for the company. They are not sitting still; they are actively building new capabilities and expanding partner programs. This includes a move into sponsored lending, where consumer credit FinTech loans have exploded, increasing 180% year-over-year to $785.0 million at the end of Q3 2025.

The company is also preparing for the next wave of FinTech evolution. They are actively pursuing:

• Expanding the platform to include an embedded-finance solution, which is expected to launch in 2026.
• Adopting Artificial Intelligence (AI) tools to increase the efficiency and productivity of the platform and its people.
• Implementing the expansion of debit and prepaid card issuance for Block, Inc.'s Cash App, with revenue generation expected to start in Q1 2026.

The global Banking-as-a-Service market is projected to grow from $716 billion in 2024 to $842.44 billion in 2025, a compound annual growth rate (CAGR) of 17.7%, so this strategic focus is mapping directly to a massive market opportunity. The Bancorp is targeting an annualized earnings per share (EPS) run-rate of at least $7.00 by the fourth quarter of 2026, with FinTech growth as the primary engine.

Technological Risk and Actionable Insight

The primary technological risk is maintaining the regulatory expertise (Unparalleled Regulatory Framework) and security of a platform that handles billions in transactions. The Bancorp has invested heavily in compliance and Financial Crimes Risk Management programs, which is critical because a single major security breach or compliance failure could quickly erode partner trust and regulatory standing. You need to watch for any signs of elevated operational or compliance-related expenses in future reports.

Next Step: Review the Q4 2025 investor presentation for a detailed update on the progress of the Cash App implementation and any concrete metrics on the initial rollout of AI tools.

The Bancorp, Inc. (TBBK) - PESTLE Analysis: Legal factors

You need to focus on two major legal and regulatory shifts right now: the fallout from the 2025 financial restatements and the looming compliance burden as The Bancorp, Inc. inches toward the $10 billion asset threshold. The first is a risk management failure; the second is a costly, inevitable growth tax.

Honestly, the biggest near-term legal risk is the market's reaction to the company's internal controls. The Bancorp's management is actively trying to manage the balance sheet to maintain flexibility, but the regulatory pressure is building.

SEC Filing Issues in Early 2025

The Bancorp faced significant regulatory scrutiny in early 2025 following the delayed filing of its Annual Report on Form 10-K for the fiscal year ended December 31, 2024. The company initially filed the report on March 4, 2025, but then had to retract it, stating the financial statements for 2022 through 2024 should no longer be relied upon. This led to a formal notice from Nasdaq on March 27, 2025, regarding non-compliance with the continued listing requirements.

This kind of public filing issue immediately triggers investor lawsuits. A securities class action lawsuit, Linden v. The Bancorp, Inc., was filed, covering investors who purchased securities between January 25, 2024, and March 4, 2025. The core allegation is that the company made misleading statements and underrepresented risks in its loan portfolio, which is a serious legal challenge.

Amended 2024 Report Disclosed Ineffective Internal Control Over Financial Reporting

The legal and financial mess culminated in the filing of an amended annual report (Form 10-K/A) on April 7, 2025. This amended report officially disclosed that The Bancorp had ineffective internal controls over financial reporting (ICFR). This is a red flag for regulators and investors because it means the company's processes for generating reliable financial statements were flawed.

The key financial change in that amended filing was a major revision to the provision for credit losses, especially in the consumer FinTech loan portfolio. Here's the quick math on the restatement:

Financial Metric (FY 2024)	Original Filing (March 2025)	Amended Filing (April 2025)	Change
Provision for Credit Losses	$19.6 million	$30.7 million	+$11.1 million
Impact on Investor Confidence	Low	Significantly Lower	High

The revised consumer FinTech loan loss provision of $30.7 million in the April 2025 filing was a necessary correction, but it confirmed the market's fears about potential instability in the loan books. This restatement is a clear example of the legal risk translating directly into a financial hit.

Compliance Costs Will Rise as the Bank Approaches the $10 Billion Asset Threshold

The Bancorp is on a tightrope as its total assets grow. As of September 30, 2025, the company's total assets were approximately $8.60 billion. Crossing the $10 billion asset threshold is a major regulatory inflection point for any U.S. bank, and The Bancorp is defintely getting close.

Once a bank hits $10 billion, it faces a new wave of regulatory oversight and compliance costs. The biggest financial hit is the activation of the Durbin Amendment, which caps interchange fees on debit card transactions for banks over that size. This is a massive revenue stream for a company heavily focused on its FinTech Solutions group, which is a top prepaid and debit card issuer.

The jump in compliance is not just about the Durbin Amendment, though. It also means:

• Increased scrutiny from the Consumer Financial Protection Bureau (CFPB) on consumer banking practices.
• A dedicated, consistent on-site examiner presence from federal regulators.
• Higher costs for internal audit, risk management, and regulatory reporting systems.

Management is clearly trying to maintain flexibility to manage this transition, but with loans, net of deferred fees, at $6.67 billion as of September 30, 2025, and FinTech Solutions driving growth, the $10 billion mark is a near-term legal and financial headwind you must factor into your valuation.

The Bancorp, Inc. (TBBK) - PESTLE Analysis: Environmental factors

- Low direct environmental impact due to branchless, technology-focused model.

The Bancorp's business model as a branchless, technology-focused financial solutions provider means its direct environmental footprint is inherently small. You simply don't have the energy consumption and physical waste of a traditional bank with thousands of retail locations. This low-impact profile is a core competitive advantage in a world increasingly focused on corporate sustainability.

For the 2025 fiscal year, this advantage is quantifiable. The Bancorp reported total operational greenhouse gas (GHG) emissions (Scope 1 and Location-Based Scope 2) of only 1,106 MTCO2e (Metric Tons of carbon dioxide equivalent) for the year-end 2024. This is a rounding error compared to money-center banks.

Here's the quick math on that scale difference:

Metric	The Bancorp, Inc. (TBBK) (2024)	Major US Bank (JPMorgan Chase, 2023)	Major US Bank (Bank of America, 2024)
Operational GHG Emissions (Scope 1 + Location-Based Scope 2)	1,106 MTCO2e	907,773 MTCO2e	678,063 MTCO2e
Relative Scale (TBBK vs. JPM)	100%	~820x larger	~613x larger

That tiny footprint is a huge liability shield.

- Limited public disclosure on sustainability compared to traditional brick-and-mortar banks.

While the direct operational impact is minimal, the company's public disclosure on sustainability remains limited, especially when you look at the industry leaders. The Bancorp is actively calculating its emissions, reporting Scope 1 emissions of 319 MTCO2e and Scope 2 (Location-Based) of 787 MTCO2e for 2024, but the disclosure stops there for the most material environmental risk: financed emissions.

The core of a bank's environmental risk is not its office electricity (Scope 1 and 2), but the carbon footprint of the loans and investments it funds (Scope 3, or 'financed emissions'). For a large bank like JPMorgan Chase, Scope 3 accounts for over 99% of its total carbon footprint. The Bancorp's specialized lending businesses, which include Commercial Lending and vehicle/fleet leasing, carry a significant, undisclosed Scope 3 risk.

• The Bancorp does not publicly disclose its Scope 3 financed emissions metrics.
• Investors have a 'massive blind spot' regarding climate risk in US super-regional banks, which includes The Bancorp.
• The market will defintely start demanding this data soon.

- Increasing pressure from investors for Environmental, Social, and Governance (ESG) reporting.

You are navigating a complex and shifting regulatory and investor landscape in 2025. The pressure on US banks to disclose climate risk is still intense, even if the top-down regulatory push has softened. In October 2025, US federal bank regulators-the Federal Reserve, FDIC, and OCC-withdrew the principles governing climate-related financial risk management for large financial institutions. This signals a political pause in official climate risk mandates, which may reduce the immediate compliance burden.

Still, the market pressure is structural. While major banks like JPMorgan, Bank of America, and others withdrew from the Net Zero Banking Alliance (NZBA) in early 2025 due to political and legal risks, investor groups continue to file climate-related resolutions at US super-regional banks. This means The Bancorp must continue to invest in its ESG framework, which includes a Board-level ESG Committee and an ESG Working Group.

The opportunity here is to get ahead of the curve. Your next clear action is to start modeling your financed emissions.

• Action for Finance/Risk: Start internal modeling for Scope 3 (Financed Emissions) on the Commercial Lending and leasing portfolios.
• Target: Publicly commit to a Scope 3 reporting date by Q4 2026 to capture ESG-focused capital.