Silicon Valley Bank Results Presentation Deck
Focus Area: Leveraging client liquidity 2013
of
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Billions
Market demands and competition driving higher deposit costs
Strategic deposit initiatives driving on-balance sheet deposit growth
Interest-bearing deposit costs increased 29 bps in Q2'19, driven by deposit growth
initiatives, representing $19 million in additional interest expense
Full year average deposit costs expected between 30 and 40 bps, subject to market
demand for our interest-bearing products
$175
$150
$125 $119
$71
$100
$75
$50
Average Total Client Funds
$25
$0
$129
$80
$134 $137 $143
$85 $87 $90
$40
$41
$40
$38
$8 $8 $9 $11
Q2'18 Q3'18 Q4'18 Q1'19
Average interest-bearing deposits
Average noninterest-bearing deposits
Average off-balance sheet client funds
svb> Q2 2019 Corporate Overview and Financial Results
$38
$15
Q2'19
Interest-Bearing Deposit Cost and Spread on Client
Investment Funds
1.4%
1.2%
1.0%
0.8%
0.6%
0.4% 0.31%
0.2%
0.0%
0.38%
0.48%
0.98%
1.27%
-0.17%
0.18% 0.19% 0.21% 0.20%
Q2'18 Q3'18 Q4'18 Q1'19 Q2'19
Cost of interest-bearing deposits
Spread on client investment fees
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