Silicon Valley Bank Results Presentation Deck

Non-GAAP reconciliation Core Operating Efficiency Ratio (Dollars in thousands, except ratios) GAAP noninterest expense Less: expense attributable to noncontrolling interests Non-GAAP noninterest expense, net of noncontrolling interests Less: expense attributable to SVB Leerink Less: real estate expenses Less: charitable donation of net PPP loan origination fees Non-GAAP noninterest expense, net of noncontrolling interests, SVB Leerink and other non-recurring expenses GAAP net interest income Adjustments for taxable equivalent basis Non-GAAP taxable equivalent net interest income Less: income attributable to noncontrolling interests Non-GAAP taxable equivalent net interest income, net of noncontrolling interests Less: net interest income attributable to SVB Leerink Non-GAAP taxable equivalent net interest income, net of noncontrolling interests and SVB Leerink GAAP noninterest income Less: income attributable to noncontrolling interests Non-GAAP noninterest income, net of noncontrolling interests Less: Non-GAAP net gains on investment securities, net of noncontrolling interests Less: net gains on equity warrant assets Less: investment banking revenue Less: commissions Non-GAAP noninterest income, net of noncontrolling interests and net of net gains on investments securities, net gains on equity warrants assets, investment banking revenue and commissions GAAP total revenue Non-GAAP taxable equivalent revenue, net of noncontrolling interests and SVB Leerink, net of net gains on investments securities, net gains on equity warrants assets, investment banking revenue and commissions A B с D 2017 1,010,655 813 1,009,842 1,009,842 1,420,369 3,076 1,423,445 33 1,423,412 1,423,412 557,231 29,452 527,779 35,416 54,555 437,808 1,977,600 1,861,220 51.11% 54.26% Year ended December 31, 2018 2019 1,188,193 522 1,187,671 1,187,671 1,893,988 9,201 1,903,189 30 1,903,159 1,903,159 744,984 38,000 706,984 49,911 89,142 567,931 2,638,972 GAAP operating efficiency ratio (A/C) Non-GAAP core operating efficiency ratio (B/D) svb > See "Use of non-GAAP Financial Measures" in our Q1 2021 Earnings Release for more information. 2,471,090 45.02% 48.06% 1,601,262 835 1,600,427 252,677 1,347,750 2,096,601 11,949 2,108,550 72 2,108,478 1,252 2,107,226 1,221,479 48,624 1,172,855 86,169 138,078 195,177 56,346 697,085 3,318,080 2,804,311 48.26% 48.06% 2020 2,035,041 475 2,034,566 378,970 29,317 20,000 1,606,279 2,156,284 16,230 2,172,514 26 2,172,488 578 2,171,910 1,840,148 86,375 1,753,773 334,283 237,428 413,985 66,640 701,437 3,996,432 2,873,347 50.92% 55.90% Q1'21 636,001 117 635,884 136,351 499,533 659,579 5,555 665,134 665,134 166 664,968 744,180 25,067 719,113 142,047 221,685 142,302 24,439 188,640 1,403,759 853,608 45.31% 58.52% Q1 2021 Financial Highlights 54

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