Silicon Valley Bank Results Presentation Deck
Long history of strong, resilient credit
We've successfully navigated economic cycles before and our risk profile has improved
NON-PERFORMING LOANS & NET CHARGE-OFFS
NPLs¹ NCOs²
3.32%
1.02%
1.07% 1.03% 0.97%
Dotcom Bubble Crash
IMPROVED
LOAN MIX
% of period-
end total loans
0.62%
svb >
0.25%
0.64%
-0.08%
0.26%
0.10%
2.64%
th
1.57%
1.15%
0.87%
0.71% 0.77%
0.31% 0.18%
0.14%
0.04%
0.35%
2000
30% Early Stage
5% GFB+ Private Bank
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
Global Financial Crisis
0.52%
1. Non-performing loans as a percentage of periodend total loans.
2. Net loan charge-offs as a percentage of average total loans.
3. Pullback in VC investment.
0.47%
0.42%
-0.02%
0.32%
0.31% 0.33%
0.27%
0.73%
2009
11% Early Stage
30% GFB + Private Bank
0.59% 0.51%
0.30%
10.46%
0.34% 0.32%
0.27%
VC Recalibration³
2015 2016 2017 2018
Less Q1'21 $80M
GFB potential
fraud incident
0.23%
0.22% 0.24%
0.20%
0.14%
2019 2020 2021
0.21%
2021
2% Early Stage
70% GFB + Private Bank
COVID-19 Pandemic
Q4 2021 Financial Highlights
0.06%
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