Silicon Valley Bank Results Presentation Deck

Leveraging flexible liquidity solutions to mitigate deposit outflows Robust client funds franchise, with flexibility to shift liquidity on- or off-balance sheet 40+ liquidity management products to meet Noninterest-bearing deposits Interest-bearing deposits Off-balance sheet managed funds Off-balance sheet sweep funds Off-balance sheet repo funds 4% Life science/ healthcare International² U.S. Global Fund Banking Private Bank Other svb> 22% 18% 24% Total client funds by client niche¹ Early stage technology Technology Early stage life science/ healthcare 3% $354B TCF 14% 23% 8% 7% 1% $177B Deposits 20% 27% 29% ● Clients' operating cash typically held in on-balance sheet noninterest-bearing deposits Clients' excess liquidity generally held in on-balance sheet interest- bearing deposits or off-balance sheet client funds Flexible liquidity solutions enable us to shift client funds on- or off- balance sheet 3% 13% 22% 8% $177B OBS 23% 31% Note: All figures as of September 30, 2022 unless otherwise noted. 1. Represents management view of client niches. 2. International balances do not tie to regulatory definitions for foreign exposure. Includes clients across all client niches and life stages, with International Global Fund Banking representing 3% of total client funds. 3. Based on deposit rates and total deposit balances at September 30, 2022. Actions to support deposits are pressuring deposit beta and mix 53% 9/30/22 noninterest- bearing share of total deposits 83 bps 9/30/22 weighted average spot deposit rate (total deposits)³ ~45-50% Estimated 12/31/22 noninterest-bearing share of total deposits 56% 9/30/22 YTD interest- bearing deposit beta ~65% Expected through- the-cycle interest- bearing deposit beta Leveraging flexible liquidity solutions that allow us to allocate funds on- or off- balance sheet When client funds growth returns, these flexible liquidity solutions can help us optimize our deposit rates and mix by shifting higher-cost deposits off-balance sheet Q3 2022 FINANCIAL HIGHLIGHTS 10

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