Silicon Valley Bank Results Presentation Deck

Glossary The following terms are used throughout this presentation to refer to certain SVB-specific metrics: Non-GAAP Measures (Please see "Use of non-GAAP Financial Measures" in our Q4 2020 Earnings Release and non-GAAP reconciliations at the end of this presentation) Core Fee Income - Fees from letters of credit, client investments, credit cards, deposit service charges, foreign exchange and lending- related fees, in aggregate. Core Fee Income plus SVB Leerink Revenue - Core fee income, from above, plus investment banking revenue and commissions. SVB Leerink Revenue and Expenses - SVB Leerink revenue defined as investment banking revenue and commissions and excludes other income earned by SVB Leerink. SVB Leerink expenses represents all SVB Leerink operating and acquisition related expenses. Core Operating Efficiency Ratio - Calculated by dividing noninterest expense after adjusting for noninterest expense from SVB Leerink and NCI by total revenue, after adjusting for gains or losses on investment securities and equity warrant assets, SVBLeerink revenue and NCI. This ratio excludes income and expenses related to SVB Leerink and certain financial items where performance is typically subject to market or other conditions beyond our control. Gains (losses) on Investment Securities, Net of Non-Controlling Interests - Net gains on investment securities include gains and losses from our non-marketable and other equity securities, which include public equity securities held as a result of exercised equity warrant assets, gains and losses from sales of our Available-For-Sale debt securities portfolio, when applicable, and carried interest. This measure excludes amounts attributable to noncontrolling interests for which we effectively do not receive the economic benefit or cost. Other Measures Total Client Funds - The sum of on-balance sheet deposits and off-balance sheet client investment funds. Fixed Income Securities - Available-for-sale ("AFS") and held-to-maturity ("HTM") securities held on the balance sheet. Acronyms API - Application programming interface BD&T - Business development & travel DEI - Diversity, equity and inclusion EOP End of period FHLB - Federal Home Loan Bank FRBFederal Reserve Board GFB - Global Fund Banking (formerly Private Equity/Venture Capital) svb > ID - Investor dependent LIHTC - Low income housing tax credit funds LOC Letter of credit NCI - Non-controlling interests NCO Net charge-off NII Net interest income NIM-Net interest margin NPL - Non-performing loan OBS Off-balance sheet PE/VC- Private equity/venture capital SBA PPP - Small Business Administration Paycheck Protection Program TBV-Tangible book value Q4 2020 Financial Highlights 48

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