Blog: FinWise Bancorp : Regulation FD Presentation – Form 8-K – Marketscreener.com

Exceptionally Profitable Growth 6 Total assets as of December 31, 2020, December 31, 2021, and June 30, 2022, include approximately $107.1 million, $1.1 million, and $0.7 million in PPP loans, respectively Note: Annual period financial data represents the annual period ending December 31; we calculate our average equity for a year by dividing the sum of our total shareholder’s equity balance as of the beginning of the relevant year and at the end of the relevant year and dividing by two. Year-to-date financial data represents the six month period ended June 30, 2022. We calculate our average equity for a given reporting period by dividing (a) the sum of our total shareholder’s equity balance as of the close of business (i) at the beginning of the relevant reporting period and (ii) at the ending of the relevant reporting period, by (b) two. As of or for the six months ended June 30, 2022 Financial Highlights1 Total Assets: Net Income: ROAE: ROAA: $366.0M $14.9M 24.3% 8.0%

Total Loan Portfolio Breakdown as of June 30, 2022 Loans guaranteed by the SBA include $0.7 million in PPP loans as of June 30, 2022 8 $232.1M Guaranteed by the SBA and Strategic Program HFS 33.7% Rates Above 36% Rates Below 36%

Top-Tier Profitability Note: According to the FDIC website, the data for all US Banks represents 5,177, 5,001, and 4,839 banks for 2019, 2020, and 2021, respectively. Annual period financial data represents the annual period ending December 31. Year-to-date financial data is as of or for the six-month period ending June 30, 2022. For ROAE and ROAA, we calculate our average assets and average equity for a given period by dividing the sum of our total asset balance or total shareholder’s equity balance, as the case may be, as of the beginning of the relevant period and at the end of the relevant period, and dividing by two Return on Average Equity Return on Average Assets 9

Profitability Metrics Compare Favorably to All US Banks Note: “Efficiency ratio” is defined as total noninterest expense divided by the sum of net interest income and noninterest income. We believe this measure is important as an indicator of productivity because it shows the amount of revenue generated for each dollar spent. Please see Appendix for non-GAAP to GAAP reconciliations. For Noninterest Income to Average Assets ratio, we calculate our average assets for a given period by dividing the sum of our total asset balance as of the beginning of the relevant period and at the end of the relevant period and dividing by two. According to the FDIC website, the data for all US Banks represents 5,177, 5,001, and 4,839 banks for 2019, 2020, and 2021, respectively. Annual period financial data represents the annual period ending December 31. Year-to-date financial data is as of or for the six-month period ending June 30, 2022. Efficiency Ratio (Non-GAAP) Net Interest Margin 10 Noninterest Income to Average Assets

Significant Earnings Note: “Tangible book value per share” is defined as book value per share less goodwill and other intangible assets, divided by the outstanding number of common shares at the end of each period. The most directly comparable GAAP financial measure is book value per share. We had no goodwill or other intangible assets as of any of the dates indicated. We have not considered loan servicing rights as an intangible asset for purposes of this calculation. As a result, tangible book value per share is the same as book value per share as of each of the dates indicated. Please see Appendix for non-GAAP to GAAP reconciliations. Q2 ’21 financial data is as of or for the three-month period ending June 30, 2021; Q1 ’22 financial data is as of or for the three-month period ending March 31, 2022; Q2 ’22 financial data is as of or for the three-month period ending June 30, 2022 Tangible Book Value Per Share (Non-GAAP) Net Income ($M) 20 Material earnings driven by revenue diversification via substantial increases in earning assets and origination volumes History of significant, consistent tangible book value per share growth

Non-GAAP to GAAP Reconciliation 27 Tangible Shareholders’ Equity and Tangible Book Value Per Share Efficiency Ratio Note: “Tangible shareholders’ equity” is defined as total shareholders’ equity less goodwill and other intangible assets. The most directly comparable GAAP financial measure is total shareholders’ equity. We had no goodwill or other intangible assets as of any of the dates indicated. We have not considered loan servicing rights as an intangible asset for purposes of this calculation. As a result, tangible shareholders’ equity is the same as total shareholders’ equity as of each of the dates indicated. Note: “Efficiency ratio” is defined as total noninterest expense divided by the sum of net interest income and noninterest income. We believe this measure is important as an indicator of productivity because it shows the amount of revenue generated for each dollar spent

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