Silicon Valley Bank Results Presentation Deck

Outstanding performance and SVB Leerink expansion drove Q1'21 expenses higher than guidance; Expect FY'21 expense % growth in the high teens ● Q1'21 activity QoQ decline in expenses driven by one-time $29M real estate charges and $20M PPP donation in Q4'20 • Higher than forecast compensation expenses from record SVB Leerink revenue and warrant gains, strong firmwide performance and hiring related to SVB Leerink expansion initiatives NONINTEREST EXPENSES $ Millions Core Operating Efficiency Ratio* Other Occupancy BD&T Premises and Equipment Professional Services Compensation and benefits Average FTES svb > 47.7% 400 46 18 27 39 256 Q1'20 3,672 14 55.7% 56.9% 480 46 19 28 64 320 Q2'20 3,855 3 491 45 19 31 67 327 2 62.7%* 665 81 45 42 77 416 4 58.5% 636 55 18 33 81 445 Q3'20 Q4'20 Q1'21 4,216 4,419 4,601 4 FY'21 outlook key drivers • FY'21 performance (and related incentive compensation) will be key driver of expense growth • Accelerating investments in our strategic priorities to capture compelling long-term growth opportunity of our markets: Key 2021 investment focus areas (included in guidance, see page 11 for more information) Silicon Valley Bank • Digital banking and client experience Grow sponsor led buyout lending (collaboration with SVB Leerink) New product development svb Silicon Valley Bank SVB Leerink Deepen Equity Capital Markets franchise New Leveraged Finance and Structured Finance practices Regulatory Large Financial Institution requirements UK subsidiarization SVBLEERINK SVB Private Bank Boston Private planning (costs incurred ahead of close) Diversify products and grow mortgages ● * Core operating efficiency ratio excludes the impact of SVB Leerink and net gains or losses from investment securities and quity warrant assets. This is a non-GAAP measure. See "Use of non-GAAP Financial Measures" in our Q1 2021 Earnings Release and our non-GAAP reconciliations at the end of this presentation. Q4'20 core operating efficiency ratio also excludes $29M real estate expenses and $20M SBA PPP donation. SVB Capital Debt platform Life science strategy ● Scalability • Technology to enhance employee enablement Data foundation svb Private Bank svb > Capital People • Talent attraction, retention and development Note: Opportunistic investments to advance our strategy could result in expenses not included in current FY'21 guidance Q1 2021 Financial Highlights 31

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