Silicon Valley Bank Results Presentation Deck
Stable reserve coverage (ACL %) on improved loan mix and continued strong credit
performance; loan growth drove increase in reserves (ACL $)
ALLOWANCE FOR CREDIT LOSSES FOR LOANS AND UNFUNDED CREDIT COMMITMENTS
$ Millions
Tech
& LS / HC
Early Stage Investor Dependent
Growth Stage Investor Dependent
Cash Flow Dep: Sponsor Led Buyout
Innovation C&I
Global Fund Banking
Private Bank
Other C&I
Commercial Real Estate
Premium Wine & Other
PPP
ACL for loans
ACL for unfunded credit commitments
ACL for loans and unfunded credit
commitments
svb >
12/31/21
56
90
40
76
67
33
14
36
10
422
171
593
ACL ($)
9/30/21
49
89
41
68
59
31
12
40
9
398
149
547
*Weighted average ACL ratio for loans outstanding and unfunded credit commitments.
QoQ Change
7
1
(1)
8
8
2
2
(4)
1
-
24
22
46
12/31/21
3.51%
2.25%
2.22%
1.14%
0.18%
0.38%
1.11%
1.35%
0.77%
0.64%
0.39%
0.54*
ACL (%)
9/30/21
3.15%
2.32%
2.15%
1.14%
0.17%
0.37%
1.05%
1.48%
0.73%
0.65%
0.37%
0.54%*
QoQ Change
0.36%
(0.07)%
0.07%
0.01%
0.01%
0.06%
(0.13)%
0.04%
(0.01)%
0.02%
Q4 2021 Financial Highlights
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