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 GAAP operating efficiency ratio (A/C) Non-GAAP core operating efficiency ratio (B/D) A B 2016 859,797 524 859,273 D 859,273 1,150,523 1,203 1,151,726 66 1,151,660 1,151,660 456,552 8,039 448,513 43,428 37,892 367,193 C 1,607,075 1,518,853 53.50% 56.57% svb > See "Use of non-GAAP Financial Measures" in our Q4 2020 Earnings Release for more information. Year ended December 31, 2017 1,010,655 2018 1,188,193 813 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 1,977,600 522 51.11% 54.26% 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 1,861,220 2,471,090 45.02% 48.06% 2019 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 2,804,311 2020 2,035,041 48.26% 48.06% 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 2,171,910 697,085 701,437 3,318,080 3,996,432 1,840,148 86,375 1,753,773 334,283 237,428 413,985 66,640 Q4 2020 Financial Highlights 2,873,347 50.92% 55.90% 52

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