Silicon Valley Bank Results Presentation Deck

Core operating efficiency ratio* has trended down over time, driven by strong revenue growth Billions $3.0 $2.5 $2.0 $1.5 $1.0 $0.5 $0.0 $1.5 2015 * Non-GAAP measure 60.5% 52.7% $0.8 $1.6 2016 53.5% $0.9 GAAP Total revenue svb> Q2 2019 Corporate Overview and Financial Results $2.0 GAAP Operating efficiency ratio 55.1% 51.1% $1.0 2017 $2.6 45.0% $1.2 2018 45.1% $1.7 45.2% $0.7 YTD 6/30/19 GAAP Noninterest expense Core Operating efficiency ratio* .60% 40 % 20% 0 % 55

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