Silicon Valley Bank Results Presentation Deck

Continued private markets momentum drove surge in client funds Expect FY'22 average deposit % growth in the low 40s ● ● ● ● Q4'21 activity Average client funds +$36B as VC investment activity fueled client liquidity, amplified by robust client acquisition over the past year Technology clients drove both on and off-balance sheet growth Anticipated year-end PE/VC distributions did not stall onbalance sheet deposit growth (average balances +$20B, EOP +$18B) Stable deposit mix (67% noninterest-bearing deposits) and improved cost of deposits (decreased 1 bp in Q4) FY'22 outlook key assumptions Expect strong deposit growth and steady cost of deposits and share of noninterest-bearing deposits. Key assumptions: +Strong PE/VC investment and public markets activity, but moderating from 2021's exceptional levels Generates liquidity for technology and life science/healthcare clients + New client growth Continued strong client acquisition China tech policy changes Slows investment in Chinese companies Note: Public market volatility could cause temporary pullbacks in investment and exit activity given record high valuations. • Rising rates would increase cost of deposits and may also shift more client liquidity off-balance sheet. svb > AVERAGE CLIENT FUNDS $Billions +73% YoY 226 31 62 133 262 37 73 152 308 42 66.7% 66.2% 92 174 Q4'20 Q1'21 Q4'20 Q1'21 Q2'21 Q3'21 68.4% 0.04% 0.04% 0.04% 355 54 110 Q2¹21 191 AVERAGE DEPOSIT MIX AND PRICING 67.1% 0.05% 391 60 Q3'21 123 208 Q4'21 0.04% Interest-Bearing Deposits Q4'21 Noninterest-Bearing Deposits Percent of Noninterest- 67.1% Bearing Deposits Off-Balance Sheet Client Funds Total Cost of Deposits Q4 2021 Financial Highlights 26

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