Silicon Valley Bank Results Presentation Deck

Important information regarding forward-looking statements and use of non-GAAP financial measures The Company's financial results for 2021 reflected in this presentation are unaudited. This document should be read in conjunction with the Company's SEC filings. Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the safe harbor provisions of the Private Securitiesitigation Reform Act of 1995. Forwardlooking statements are subject to known and unknown risks and uncertainties, many of which may be beyond our control. Forwardlooking statements are statements that are not historical facts, such as forecasts of ur future financial results and condition, expectations for our operations and business, and our underlying assumptions of sh forecasts and expectations. In addition, forwardlooking statements generally can be identified by the use of such words as "beming," "may," "will," "should," "could," "would," "predict," "potential," "continue," "anticipate," "believe," "estimate," "assume," "seek," "expect," "plan," "intend," the negative of such words or comparable terminology. In this presentation, we makforward-looking statements discussing management's expectations for 2022 about, among other things, economic conditions; the continuing and potential effects of the COVIB19 pandemic; opportunities in the market; our commitments and objectives in relation to sustainable finance and managing risks associated with climate change; the outlook on our clients' performance; our financial, credit, and business performance, including potential investment gains, loan growth, loan mix antban yields, deposit growth, and expense levels; our expected effective tax rate; the interest rate environment; accounting inputs and financial results (and the components of such results). Although we believe that the expectations reflected in our forwardooking statements are reasonable, we have based these expectations on our current beliefs as well as our assumptions, and such expectations may not prove to be correct. Because forward looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances thatre difficult to predict and many of which are outside our control. Our actual results of operations and financial performance obd differ significantly from those expressed in or implied by our management's forwardooking statements. Important factors that could cause our actual results and financial condition to differ from the expectations stated in the forwartboking statements include, among others: market and economic conditions (including inflation trends, interest rate volatility, the general conition of the capital and equity markets, and IPO, secondary offering, SPAC fundraising, M&A and financing activity levels) anche associated impact on us (including effects on client demand for our commercial and investment banking and other financial seices, as well as on the valuations of our investments); the COVIE19 pandemic and its effects on the economic and business environments in which we operate, and its effects on our operations, including, as a result of, prolonged workom-home arrangements; the impact of changes from the BidenHarris administration and the U.S. Congress on the economic environment, capital markets and regulatory landscape, including monetary, tax and other trade policies, as well as changes in personnel at the bà regulatory agencies; changes in the volume and credit quality of our loans as well as volatility of our levels of nonperformg assets and charge offs; the impact of changes in interest rates or market levels or factors affecting or affected by them, espeadly on our loan and investment portfolios; the adequacy of our allowance for credit losses and the need to make provisionfor credit losses for any period; the sufficiency of our capital and liquidity positions; changes in the levels of our loans, depits and client investment fund balances; changes in the performance or equity valuations of funds or companies in which we hav invested or hold derivative instruments or equity warrant assets; variations from our expectations as to factors impacting oucost structure; changes in our assessment of the creditworthiness or liquidity of our clients or unanticipated effects of cred concentration risks which create or exacerbate deterioration of such creditworthiness or liquidity; variations from our explations as to factors impacting the timing and level of employee share based transactions; the occurrence of fraudulent activity, including breaches of our information security or cyber securityrelated incidents; business disruptions and interruptions due to natural disasters and other external events; the impact on our reputation and business from our interactions with business partners, counterparties, service providers and other third parties; the expansion of our business internationally, and theripact of international market and economic events on us; the effectiveness of our risk management framework and quantitative models; unexpected delays or expenses associated with executing against our climate related commitments and goals; the quality and availably of carbon emissions data; our ability to maintain or increase our market share, including through successfully implementing our business strategy and undertaking new business initiatives, including through the continuing integration Boston Private and expansion of our private banking business and the growth and expansion of SVB Leerink, including entry into the technology investment banking sector; greater than expected costs or other difficulties related to the continuing integtion of our business and that of Boston Private; variations from our expectations as to the amount and timing of business opportunities, growth prospects and cost savings associated with the acquisition of Boston Private; the inability to retain exting Boston Private clients and employees following the Boston Private acquisition; unfavorable resolution of legal proceedings or claims, as well as legal or regulatory proceedings or governmental actions; variations from our expectations as to factors ipacting our estimate of our fullyear effective tax rate; changes in applicable accounting standards and tax laws; and regulatory to legal changes and their impact on us. The operating and economic environment during the fourth quarter continued to be impacted the COVHD9 pandemic, including the emergence of the Omicron variant. Statements about the effects of the COVHD9 pandemic on our business, operations, financial performance and prospects may constitute forwardlooking statements and are subject to the risk that the actual impacts may differ, possibly materially, from what is reflected in those forwałdoking statements due to factors and future developments that are uncertain, unpredictable and in many cases beyond our control, including the scope and duration of the palemic, potential variations of the virus, vaccination rates, the need for vaccine booster shots, actions taken by governmenta authorities in response to the pandemic, and the direct and indirect impact of the pandemic on our customers, third partiesna us. We refer you to the documents the Company files from time to time with the Securities and Exchange Commission, including (our latest Annual Report on Form 10K, (ii) our most recent Quarterly Report on Form 10Q, and (iii) our most recent earnings release filed on Form &K. These documents contain and identify important risk factors that could cause the Company's actual reats to differ materially from those contained in our projections or other forwartboking statements. All forward-looking statements included in this presentation are made only as of the date of this presentation. We assume no obligation and do hintend to revise or update any forwardlooking statements contained in this presentation, except as required by law. This presentation shall not constitute an offer or solicitation in connection with any securities. Use of Non-GAAP Financial Measures To supplement our financial disclosures that are presented in accordance with GAAP, we use certain no AAP measures of financial performance (including, but not limited to, noRGAAP core fee income, nonGAAP SVB Leerink revenue, non-GAAP core fee income plus non-GAAP SVB Leerink revenue, non-GAAP net gains on investment securities, nonGAAP non-marketable and other equity securities, and non- GAAP financial ratios) of financial performance. These supplemental performance measures may vary from, and may not be comparable to, similarly titled measures by other companies in our industry. No6AAP financial measures are not in accordance with, or an alternative for, GAAP. Generally, a norGAAP financial measure is a numerical measure of a company's performance that either excludes or includes amounts that are not normally excluded or included in the most directly comparable measure calculated and presented in accordance with GAAP. A HGAAP financial measure may also be a financial metric that is not required by GAAP or other applicable requirement. We believe that these non-GAAP financial measures, when taken together with the corresponding GAAP financial measures (as appliable), provide meaningful supplemental information regarding our performance by: (i) excluding amounts attributable to non-controlling interests for which we effectively do not receive the economic benefit or cost of, where indicated, or (ii) priding additional information used by management that is not otherwise required by GAAP or other applicable requirements. Our management uses, and believes that investors benefit from referring to, these norGAAP financial measures in assessing our operaing results and when planning, forecasting and analyzing future periods. These norGAAP financial measures also facilitate a comparison of our performance to prior periods. We believe these measures are frequently used by securities analysts, invests and other interested parties in the evaluation of companies in our industry. However, these no AAP financial measures should be considered in addition to, not as a substitute for or superior to, net income or other financial measures prepared in accbance with GAAP. Under the "Use of NonGAAP Financial Measures" section in our latest earnings release filed as an exhibit to our Form 8-K on January 20, 2022, we have provided reconciliations of, where applicable, the most comparable GAAP financial measures the non-GAAP financial measures used in this presentation, or a reconciliation of the no GAAP calculation of the financial measure. Please refer to that section of the earnings release for more information. svb> Q4 2021 Financial Highlights 57