Silicon Valley Bank Results Presentation Deck

Healthy deposit growth - despite moderating total client funds - augmented by flexible liquidity solutions; Maintaining low 40s % FY'22 average deposit growth outlook Q1'22 activity Continued strong early-stage investment and client acquisition fueled healthy deposit growth, augmented by flexible liquidity solutions that shifted off- balance sheet client funds on-balance sheet • Moderating total client funds (average +2%, EOP flat) as public market volatility slowed later-stage fundraising and exits and year-end PE/VC distributions impacted Q1 balances Deposit costs remained at industry-leading lows (+1 bp QoQ) ● FY'22 outlook key assumptions Deposit growth: + Healthy early-stage trends Continued strong early-stage VC investment and robust client acquisition support liquidity growth Significant PE/VC dry powder That needs to be deployed Robust liquidity solutions and substantial OBS balances Provide flexibility to support on-balance sheet deposit growth Near-term pressure on later-stage fundraising and exits Primary drivers of exceptional liquidity growth in 2021 China policy changes Slows investment in Chinese companies Cost of deposits: + Higher cost of interest-bearing deposits NII sensitivity model assumes 60% beta on interest-bearing deposits, consistent with our experience over the 2015-2018 rising rate cycle Increased demand for interest-bearing products Given current higher rate environment svb> Average client funds $B 262 37 73 152 Q1'21 66.2% 0.04% 308 42 Q1'21 92 Average deposit mix and pricing 174 Q2¹21 68.4% 0.04% Q2'21 355 54 110 191 Q3'21 67.1% 0.05% Q3'21 391 60 123 208 Q4'21 67.1% 0.04% +51% YoY Q4'21 397 65 126 206 Q1'22 7 bps cost of deposits at 3/31/22 65.8% 0.05% Interest-bearing deposits Q1'22 Noninterest-bearing deposits Off-balance sheet client funds Percent of noninterest-bearing deposits Total cost of deposits Q1 2022 FINANCIAL HIGHLIGHTS 22

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