Silicon Valley Bank Results Presentation Deck

Moderating market-related gains and potential volatility Gains expected to moderate from 2021's exceptional levels, more than offset by expected NII growth Q4'21 activity ● ● Warrant gains included $44M gains on exercises driven primarily by IPO activity during the quarter and $25M net valuation increases from private fundraising and potential exit activity Investment gains primarily driven by a $60M gain from an unrealized valuation increase related to a single strategic investment and a $32M gain from sale of AFS fixed income securities, partially offset by a $32M decline in public equity security valuations FY'22 considerations Gains expected to moderate from 2021's exceptional levels and may be volatile QoQ-key assumptions: Moderating gains After multiple quarters of exceptional gains, more than offset by expected NII growth + Public market volatility Impacts valuations, PE/VC investment and exit activity +Strong PE/VC investment activity and exit markets, but moderating from 2021's exceptional levels Supports valuations; exits impact ability to realize gains New client growth Opportunity to build warrant portfolio svb > WARRANT AND INVESTMENT GAINS NET OF NCI¹ $ Millions Warrant gains Investment Securities gains Warrants 248 Non-marketable and other equity securities² 144 104 Q4'20 203 364 973 222 WARRANTS & NON-MARKETABLE AND OTHER EQUITY SECURITIES² $ Millions 142 Q1'21 244 1,015 314 Note: The extent to which unrealized gains (or losses) from investment securities from our nomarketable and other equity securities portfolio as well as our equity warrant assets will become realized is subject to a variety of factors, including, among othethings, performance of the underlying portfolio companies, investor demand for IPOs and SPACs, fluctuations in the underlying valuatin of these companies, levels of M&A activity and legal and contractual restrictions on our ability to sell the underlying securities. 1. Non-GAAP financial measure. See "Use of non-GAAP Financial Measures" in our Q4 2021 Earnings Release and our nonGAAP reconciliations at the end of this presentation. 2. Net of investments in qualified affordable housing projects and noncontrolling interests. 122 192 Q2'21 266 949 248 147 101 274 155 1,216 69 Q3'21 Q4'21 86 277 1,222 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q4 2021 Financial Highlights 35

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