Silicon Valley Bank Results Presentation Deck

Deposit mix shift and beta are pressuring asset sensitivity Flexible liquidity solutions can help regain some asset sensitivity when VC deployment increases and client funds growth returns Assumptions² Estimated increase in annualized pre-tax NII per each 25 bp increase in rates¹ NIB % of total deposits Modeled interest- bearing deposit beta Short-term borrowings Receive floating swaps Deposits Loans Fixed income securities 6/30/22 static balance sheet svb> + $75M to + $90M Recent interest rate risk management activity ♥ 61% 60% $3.7B $6B $187.9B $71.0B $122.0B 9/30/22 static balance sheet + $10M to + $25M 53% 65% $13.6B $OB $176.8B $72.1B $120.0B Q4'22 expectations - $5M to + $15M ~ 45-50% ~ 65% - $14-18B avg. borrowings $550M ~ $168-172B avg. deposits ~ $72-74B avg. loans ~ $2-3B paydowns Unwound $6B AFS fair value hedges (receive floating swaps) in Jul '22, locking in $313M pre-tax gains³ Termed out $10B borrowings in Oct ¹22 Executed $550M receive floating swaps on AFS portfolio in Oct '22 Each percentage point decrease in NIB % of total deposits reduces estimated NII benefit by - $3M (pre-tax) Each percentage point increase in deposit beta reduces estimated NII benefit by $2M (pre-tax) 2 1. Expected 12-month impact of a +25 bp rate shock on net interest income. Management's sensitivity analysis assumes an instantaneous and sustained parallel shift in rates. Actual results may differ. 2. Assumptions for 6/30/22 and 9/30/22 static balance sheet scenarios based on period-end balances for the referenced periods. 3. $12M gains amortized into interest income in Q3'22. Remaining $301M gains to be amortized into interest income over the life of the related securities (-7 years). 4. Based on Q3'22 off-balance sheet client investment fund average balances. Client investment fees continue to benefit from rate hikes Estimated increase in annualized pre-tax client investment fees for each 25 bp increase in short-term rates4: Client investment fees Client investment fee margin +~$20-40M +~1-2 bps Q3 2022 FINANCIAL HIGHLIGHTS 11

View entire presentation