First Citizens BancShares Mergers and Acquisitions Presentation Deck

Combined loan portfolios are well-diversified limiting concentration risk Other General Bank Equipment Finance 7% Real Estate 9% Finance Mortgage 13% Commercial Services 4% First Citizens BancShares Commercial Finance $71 B 20% First Citizens BancShares 42% Branch Network & Wealth Private Bank svb> Other 20% Technology & Life Science/ 23% Healthcare $72 B 56% Global Fund Banking Pro Forma Equipment Finance Other Real Estate Finance Private Bank 7% Commercial Finance Mortgage 7% $143 B Commercial Services 2% 10% Technology & Life Science / Healthcare 11% 29% 22% Branch Network & Wealth Highlights Legacy SVB's commercially-focused portfolio complements First Citizens' client strategy bringing a strong Global Fund Banking business with deep private equity and venture capital relationships. ▪ Acquired portfolio has a low loss history and aligns to reflect prudent credit risk management aligning well with First Citizens credit culture. Significant downside protection through credit loss sharing with FDIC and asset discount. Global Fund Banking ▪ Diversifies our loan portfolio and business mix further, particularly across technology, life sciences / healthcare and wealth. Note - The "pro forma financial data included herein has not been prepared in accordance with Article 11 of the SEC's Regulation S-X, is presented for informational purposes only and may differ materially from the Regulation S-X compliant pro forma financial statements. Financial information for First Citizens BancShares, Inc. is as of December 31, 2022. Financial information for Silicon Valley Bridge Bank, N.A. is as of March 24, 2023 as provided by the FDIC. All financial information is subject to change based on closing balance sheet. 9

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