SVB Financial 8K Regulation FD Disclosure | SIVBQ 15 Feb 12

February 15, 2012

INVESTOR DAY

SVB Financial Group

Exhibit 99.1

Overview and Strategy

Greg Becker

President & CEO

February 15, 2012

Safe Harbor Disclosure

›

The presentations made at today’s meeting contain projections or other forward-

looking statements regarding management’s expectations about the future events or

the future financial performance of the Company, as well as future economic, market

and tax conditions. Forward-looking statements are statements that are not

historical facts. We wish to caution you that such statements are just predictions

and actual events or results may differ materially, due to changes in economic,

business and regulatory factors and trends.

›

We refer you to the documents the Company files from time to time with the

Securities and Exchange Commission, specifically the Company’s latest Annual

Report on Form 10-K for the year ended December 31, 2010, which was filed on

February 25, 2011, and our latest Quarterly Report on Form 10-Q. These

documents contain and identify important risk factors that could cause the

Company’s actual results to differ materially from those contained in our projections

or other forward-looking statements. All subsequent written or oral forward-looking

statements attributable to the Company or persons acting on its behalf are expressly

qualified in their entirety by these cautionary statements. All forward-looking

statements included in this presentation are made only as of today’s date and the

Company undertakes no obligation to update such forward-looking statements.

›

All financial results are for SVB Financial Group, the parent company of Silicon

Valley Bank, unless otherwise noted.

What We Will

Cover Today

What We Will

Cover Today

Who we are and what we do

Our recent financial

performance

Our growth strategy and

expectations

Summary and milestones for

2012 –

2015

Other Things

We Will Cover

Other Things

We Will Cover

The cool things our clients do

Our Mission: “Increasing our

clients’

probability of success”

But First,

A Few

Introductions…

But First,

A Few

Introductions…

Greg Becker

President & CEO

Dave Jones

Chief Credit Officer

Joan Parsons

Head of U.S. Banking

Bruce Wallace

Chief Operations Officer

Mike Descheneaux

Chief Financial Officer

Who You Will Hear From Today

Marc Verissimo

Chief Risk Officer

Mary Dent

General Counsel

Brian Dennehy

Chief Marketing Officer

Chris Edmonds-Waters

Head of Human Resources

Harry Kellogg

Vice Chairman of

Silicon Valley Bank

John China

Head of Relationship

Management

Other Members of Our Team

A Mix of SVB-Grown and

Outside Talent

About SVB

Our Mission

To increase our

clients’

probability of

success

Build Deep Relationships

Give Advice

Make It Easy To Do

Business With Us

Solve Problems

Our Vision

To be the premier

provider of financial

services and thought

leadership to

innovation companies,

of all sizes, and their

investors, world-wide

Implementing Our Vision

Right Touch

Value Added

Innovation

and

Thought

Leadership

Diversified

Product Set

Focus

Inception to

Infinity

Global

Network

What Sets Us

Apart?

What Sets Us

Apart?

Differentiated

Focus on “innovation”

markets

Mainly balance sheet

lender

Strong deposit franchise

Diversified revenue

streams

Global reach

THE

bank for innovation

companies

More than 600 venture/

PE firm clients

Global reputation

Leader

Established

30 years of supporting

innovation

26 U.S. and 7

international offices

$20.0 billion in total

assets

$35.5 billion in total client

funds

A Look Back

Our Balance Sheet Has Grown

And Our Bottom Line Has, Too

We Have Evolved…

Venture backed

startups

Limited cash

management

Limited

“private client

services”

Technology

Domestic commercial

banking

2002

From start-up to

$1B revenue

Diversified

Products &

Services

Dedicated

Private Bank

Innovation

Global Banking

2011

By Focusing on What We Do Well

Awards and Recognition

Best Companies to Work For in the U.S.

FORTUNE –

2012

America’s 10 Best Banks

Forbes –

2009, 2010 and 2011

Lender of the Year

Export-Import Bank of the U.S. –

2011

First U.S. commercial bank granted approval

to open a Joint Venture bank in China

Second largest wine industry lender

North Bay Business Journal

Who Are Our

Clients?

(And What Do They Do?)

Who Are Our

Clients?

(And What Do They Do?)

Networking

Software

Storage

Life Science

Web and Social

Venture Capital

and Private Equity

From startup

to standout

to global standard

~50%

Market Share

<15%

Market Share

< 10%

Market Share

What Do Our Clients Look Like?

Accelerator

Growth

Corporate Finance

Revenue

Pre-

revenue to $5m

$5m

$75m

$75m +

Ownership

Private, Angel or VC

backing

transition to Public

Public or Private

Product

Pre

product, R&D

focus

Market entry,

continued

R&D

Global product rollout

Management

Founder + startup

team

Specialized

management and

workforce

management,

Risk Profile

Venture

risk

Business risk

–

Private, VC-backed,

Venture risk & Business

Professional

fully staffed

How Do We Support Our Clients?

Accelerator

Growth

Corporate Finance

Advice

Investors

Service Providers

Benchmarking

CEO Boot camp

Investors

Benchmarking

M&A

Networking

Global Expansion

M&A

Networking

Credit

Venture Debt

Working Capital

Growth Capital

Working Capital

Mezzanine Debt

M&A Financing

Growth Capital

Working Capital

Mezzanine Debt

M&A Financing

Products

& Services

Deposit Services

Investments

Cash Management

Cards

Deposit Services

F/X

Cash Management

Cards

Global

Investments

Global Cash

Management

Cards

Globally

SVB Global Statistics

>$300 million of loans

8% of total deposits

$24 billion of F/X trades

$31 billion of international wires

What’s changing now

Client Facing

Greater focus on “Mission”

Creating a truly “global”

organization

Greater focus on individuals as clients

Deeper cross-selling, increased “wallet share”

Investing in talent (specialized expertise)

What’s changing now

Leveraging technology as a “true”

differentiator

Lowering base costs

(e.g. Tempe)

Adding and developing talent

Infrastructure/Support

Diversified Growth Across the Business

GLOBAL PLATFORM

New Global Core

Banking System

IT Backbone Upgrade

Enhanced Global

Payment System

Enhanced On-line/Mobile

Systems

PRODUCT LINES

Expanded Banking

Network

New Payment Solutions

New Products &

Services

Enhanced Credit

Solutions

CLIENT NEEDS

Client Experience

Corporate Finance

Segment

Growth Segment

Private Bank

Israel

India

UK and

Europe

China

GLOBAL MARKETS & REACH

Domestic Opportunity

Accelerator

Growth

Corp

Finance

VC/PE

Private

Bank

Wine

Market

Direction

SVB

Opportunity

0-2 Years

SVB

Opportunity

3-5 Years

High

Medium

Low

Growing Market

Stable market

Global Opportunity

UK/

Europe

China

India

Israel

International

VC/PE

Market

Direction

SVB

Opportunity

0-2 Years

SVB

Opportunity

3-5 Years

High

Medium

Low

Growing Market

Stable market

Competitive

Advantage

Competitive

Advantage

SVB’s Competitive Advantages

Focus on our innovation sector

Reputation and long-term commitment

Innovation in products, services and

delivery

Remarkable client service and ease of

use

Ability to recruit, attract and retain the

best people

Financial

Performance

Financial

Performance

We Have Performed Well Against Our Peers

ROE

Source for median ROE: SNL Financial

Financial Goals 2012–2015

*”Core”

excludes

gains/losses

investment

securities

and

gains/losses

equity

warrants

High-Performing Bank

~10%+ ROE in low rate environment

~15%+ in normal rate environment

High Growth

~15%+ Core* EPS growth rate per year

~20%+ with increasing rates

with flat rates

Takeaways

We are evolving into a global bank.

Our clients are innovative and high

growth.

Our model is unique and defensible.

We have significant growth prospects

and a plan for realizing them.

We expect to deliver “high performing”

financial results.

Financial Performance

and Outlook

Financial Performance

and Outlook

Mike Descheneaux

Chief Financial Officer

February 15, 2012

Overview

Recap of historical financial

performance

Insight into capital

management

SVB’s Outlook vs. The Street

All-Time Highs/Bests in 2011

Assets

Loans

Available-For-Sale

Investment Securities

Deposits

All-Time Highs/Bests in 2011

Net Income

Earnings Per Share

Net Interest Income

Foreign Exchange Fees

Credit Card Fees

Net Charge-offs

Expenses

Historical

Financial

Performance

Historical

Financial

Performance

Assets at All-Time High

Loans at All-Time High

AFS Securities at All-Time High

Yield

Deposits at All-Time High

Strong Deposit (and Client Funds) Franchise

Billions

Strong Deposit (and Client Funds) Franchise

Organic Factors

Highly liquid clients

Clients performing well

New client acquisition

Other Factors

Safety of the balance sheet

(unlimited FDIC insurance)

Low rate environment

Balance Sheet at 12/31/11

Assets: $20.0B

$10.5B

AFS Securities

$1.0B

Non-Marketable

Securities

(VC Investments)

$6.9B

Net Loans

$0.4B

Other Assets

$1.1B Cash & Cash

Equivalents

* Net of non-controlling interests, non-marketable

securities were $357 million. Non-GAAP Number.

Please see our most recent financial releases for

more information.

Balance Sheet at 12/31/11

Liabilities: $17.7B

$11.9B

Non-Interest-Bearing

Deposits

$4.8B

Interest-Bearing

Deposits

$0.6B

Long-Term

Debt

$0.4B

Other Liabilities

Net Income at All-Time High

0.0%

5.0%

10.0%

15.0%

20.0%

$50

$100

$150

$200

2007

2008

2009

2010

Net Income

ROE

Millions

2011

$120.3

$171.9

Net Interest Income At All-Time High

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

8.0%

$100

$200

$300

$400

$500

$600

2007

2008

2009

2010

Net interest Income

Net Interest Margin

Millions

2011

EPS at All-Time High

$3.28

$3.94

$0.00

$1.00

$2.00

$3.00

$4.00

$5.00

2007

2008

2009

2010

2011

Warrant Income Highest Since 2000

$23.5

$37.4

$10

$20

$30

$40

2007

2008

2009

2010

2011

Millions

Warrant Income Vs. the Nasdaq

Millions

$0.0

$10.0

$20.0

$30.0

$40.0

$50.0

1,000

1,400

1,800

2,200

2,600

3,000

2007

2008

2009

2010

2011

Warrant Income

Nasdaq

F/X Fee Income at All-Time High

$10

$20

$30

$40

$50

2007

2008

2009

2010

2011

Millions

2011 FX Volumes = $24 Billion

$25.8

$43.9

Credit Card Fee Income at All-Time High

$5.8

$18.7

$10

$20

2007

2008

2009

2010

2011

Millions

Net Charge-offs At Very Low Levels

Millions

$12.3

$40.6

$125.1

$34.5

$1.2

($20)

$30

$80

$130

2007

2008

2009

2010

2011

$318.6

$492.2

1,145

400

800

1200

1600

$250

$500

2007

2008

2009

2010

2011

Millions

FTE

1,451

Expenses at All-Time High

* Non-GAAP number. Please see our most recent financial releases for more information

Non-Interest Expense*

FTE

Operating Efficiency Ratio

* Non-GAAP number. Please refer to our most recent financial releases for more information

2007

2008

2009

2010

2011

Diluted Earnings Per

$3.28

$2.16

$0.66

$2.24

$3.94

Net Income Available to

Common Stockholders

$120.3M

$73.6M

$22.7M

$95.0M

$171.9M

Average Loans

(Change)

$3.5B

(+22.2%)

$4.6B

(+31.5%)

$4.7B

(+1.4%)

$4.4B

(-5.6%)

$5.8B

(+31.1%)

Average Deposits

(Change)

$4.0B

(+1.03%)

$4.9B

(+23.6%)

$8.8B

(+79.6%)

$12.0B

(+36.8%)

$15.6B

(+29.4%)

Average AFS Securities

$1.4B

$1.3B

$2.3B

$5.3B

$9.4B

Net Interest Margin

7.19%

5.72%

3.73%

3.08%

Net Interest Income

$375.8

$368.6M

$382.2M

$418.1M

$526.3M

Non-Interest Income

$221.0M

$152.4M

$97.7M

$247.5M

$382.3M

Net Charge-Offs

(Recoveries)/ Total

Average Gross Loans

0.35%

0.87%

2.64%

0.77%

(0.02%)

Non-Interest Expense

$346.5M

$312.9M

$343.9M

$422.8M

$500.6M

Financial Highlights: 2007 -

2011

Q4 2010

Q1 2011

Q2 2011

Q3 2011

Q4 2011

Diluted Earnings Per

$0.41

$0.76

$1.50

(1)(2)

$0.86

$0.81

Net Income Available to

Common Stockholders

$17.5M

$33.0M

$65.8M

(1)(2)

$37.6M

$35.6M

Average Loans

(Change)

$5.0B

(+11.3%)

$5.3B

(+6.1%)

$5.5B

(+4.2%)

$6.0B

(+8.6%)

$6.4B

(+6.5%)

Average Deposits

(Change)

$13.3B

(+11.6%)

$14.7B

(+10.3%)

$15.3B

(+4.1%)

$15.8B

(+3.5%)

$16.5B

(+4.5%)

Net Interest Margin

2.74%

2.96%

3.13%

3.10%

Net Interest Income

$104.5M

$120.3M

$130.5M

$135.5M

$140.1M

Non-Interest Income

$71.9M

$90.0M

$123.7M

(1)

$95.6M

$73.1M

Net Charge-Offs

(Recoveries) /Total

Average Gross Loans

0.57%

(0.19%)

(5)

0.00%

(4)

(0.15%)

(3)

0.22%

Non-Interest Expense

$115.9M

$117.4M

$121.0M

(2)

$127.5M

$134.7M

Recent Quarterly Results

(3)

Represents net recoveries of $2.3M.

(4)

Represents net charge-offs of $30K.

(5)

Represents net recoveries of $2.5M.

(1)

Includes gains of $0.51/share or $22.5M (net of tax) from sales of AFS securities.

(2)

Includes gains of $0.04/share or $1.9M (net of tax) from the early extinguishment

of debt and the termination of corresponding interest rate swaps.

Capital

Solid Capital Ratios

•

TCE/TA and TCE/RWA are non-GAAP numbers; please refer our most recent financial releases for more information.

Solid Capital Ratios

All ratios, except TCE/TA and TCE/RWA are as reported in our most recent Bank Call Reports. Bank TCE/TA and TCE/RWA

ratios are as reported in our most recent financial releases.

TCE/TA and TCE/RWA are non-GAAP numbers; please refer our most recent financial releases for more information.

Asset Growth Drove Bank Leverage Ratio in 2011

6.00%

6.50%

7.00%

$10

$15

$20

Q410

Q111

Q211

Q311

Q411

Billions

Average Assets (Bank Only)

Bank Tier 1 Leverage Ratio

6.82%

$18.30

$15.40

6.87%

Solid Earnings Stabilized the Ratio

Q410

Q111

Q211

Q311

Q411

Bank Quarterly Earnings

Quarterly earnings

$25.0M

$37.0M

Capital Management Levers

Continued earnings growth

Targeted off-balance sheet initiatives

Use of cash and investments at holding

company

Sales of AFS securities

Debt issuance at holding company

Equity issuance at holding company

SVB’s Outlook

vs. The Street

Street Estimates: EPS and ROE*

* Based on published reports providing estimates as of 02/01/12. Certain estimates and adjustments have been made where necessary. Please refer to analyst reports

before forming any conclusions.

Business Driver

2012 outlook

Average loans

Mid twenties percent increase

Average deposits

Low teens percent increase

Net interest income

High teens percent increase

Net interest margin

Between 3.20% and 3.30%

Our 2012 Outlook

* Outlook is for the full year 2012 as compared to the full year 2011. Please see our most recent financial releases for more information.

Business Driver

2012 outlook

Allowance for loan

losses

Comparable to 2011 levels of

1.23%

Net loan charge-offs

Between 0.40% and 0.70% of

average total gross loans

Non-performing

loans

Lower than 2011 levels of 0.52%

“Core”

Fees

Mid teens percent increase

Non-Interest Expense

High single digit percent increase

Our 2012 Outlook

Outlook is for the full year 2012 as compared to the full year 2011. Please see our most recent financial releases for more information.

Allowance for total gross performing loans as a percent of total gross performing loans.

Non-performing loans as a percentage of total gross loans.

“Core fees include fees for deposit services, letters of credit, credit card, client investment, and foreign exchange, in aggregate.

Non-interest expense outlook excludes expenses related to non-controlling interests.

22.1%

35.9%

10.0%

20.0%

30.0%

40.0%

SVB’s 2012

Outlook:

Mid 20%

Growth

SVB’s Outlook

* Based on published reports providing estimates as of 02/01/12. Certain estimates and adjustments have been made where necessary. Please refer to analyst reports

before forming any conclusions.

Street Estimates vs. SVB: Average Loans*

Our Assumptions

Upside

Downside

pre-recession levels

growth

2012

among our clients

spending

markets

Drivers: Average Loans

Modest

economic

Continued strength

Continued healthy tech

Stabilizing IPO/M&A

Stabilizing VC

investment

Strong economic growth

Strong IPO/M&A markets

VC investment returns to

Lethargic economic

recovery

Decreased technology

spending

Deleveraging by clients

Adverse global events

10.8%

17.4%

5.0%

10.0%

15.0%

20.0%

SVB’s 2012

Outlook:

Low

teens

% Growth

SVB’s Outlook

* Based on published reports providing estimates as of 02/01/12. Certain estimates and adjustments have been made where necessary. Please refer to analyst reports

before forming any conclusions.

Street Estimates vs. SVB: Average Deposits*

Our Assumptions

Modest economic growth

in 2012

VC Investment improves

but remains low

Strong tech spending

Success of initiatives to

increase off-balance

sheet funds

Drivers: Average Deposits

Higher Deposit Drivers

Strong economic growth

Increased VC Fundraising

Increased IPO activity

Continued low interest rates

New client acquisition

Lower Deposit Drivers

Strong client adoption of

off-balance sheet products

Continued economic

malaise or downturn

Decrease in tech spending

Increased interest rates

Slowdown in formation of

start-up companies and

their acquisition by SVB

14.8%

26.2%

0.0%

10.0%

20.0%

30.0%

SVB’s 2012

Outlook:

High

teens

% Growth

Outlook

* Based on published reports providing estimates as of 02/01/12. Certain estimates and adjustments have been made where necessary. Please refer to analyst reports

before forming any conclusions.

SVB’s

Street Estimates vs. SVB: Net Interest Income*

Our Assumptions

No increase in Fed

Funds rate in 2012

Slower deposit growth

Steady investment

rates and duration

Mid-20s% loan growth

Success in moving

funds off the balance

sheet

Drivers: Net Interest Income

Upside

Rising rate environment

Continued strong deposit

growth

Strong loan growth

Downside

Movements from demand

deposits to interest-bearing

accounts

Declining loan balances

SVB’s

Outlook

SVB’s 2012

Outlook:

Between

3.20% and

3.30%

* Based on published reports providing estimates as of 02/01/12. Certain estimates and adjustments have been made where necessary. Please refer to analyst reports

before forming any conclusions.

3.16%

3.27%

3.34%

3.10%

3.20%

3.30%

3.40%

Street Estimates vs. SVB: Net Interest Margin*

No increase in Fed Funds

rate in 2012

Slower deposit growth

overall

Steady investment rates and

duration

Modest extension of

investment portfolio

duration

Mid-20s% loan growth

Success in moving funds

off the balance sheet

Drivers: Net Interest Margin

Rising rate environment

Demand deposit growth that

outpaces total deposit growth

Strong loan growth

Movements from demand

deposits to interest-bearing

accounts

Declining loan balances

Our Assumptions

Upside

Downside

SVB’s 2012

Outlook:

Mid teens

% Growth

•

“Core”

is defined as fees for deposit services, letters of credit, business credit card, client investment, and foreign exchange, in aggregate. Based on published reports

providing estimates as of 02/01/12. Certain estimates and adjustments have been made where necessary. Please refer to analyst reports before forming any conclusions.

14.8%

26.2%

10.0%

20.0%

30.0%

SVB’s Outlook

Street Estimates vs. SVB: “Core”

Fee Income*

Modest economic

growth in 2012

Continued strength

among our clients

Continued solid

demand for FX and

credit card products

Drivers: “Core”

Fee Income

Significant economic

improvement

Significantly stronger large

client acquisition

Significant increase in

demand for non-credit

products

Longer client retention

Continued economic

malaise or downturn

Decrease in tech spending

Adverse global events

Competitive pricing

pressures

Our Assumptions

Upside

Downside

SVB’s Outlook

Street Estimates vs. SVB: Non-interest Expense*

SVB’s 2012

Outlook:

High single

digits %

growth

•

Excludes expenses related to non-controlling interests. Based on published reports providing estimates as of 02/01/12. Certain estimates and adjustments have been

made where necessary. Please refer to analyst reports before forming any conclusions.

8.0%

12.6%

15.4%

5.0%

10.0%

15.0%

20.0%

Drivers: Non-Interest Expense

Accelerators

Exceptional business

Rapid business/ headcount

Higher credit costs

Decelerators

Below target performance

Lack of business

performance

growth

development activity

Our Assumptions

Compensation at

Increased headcount

related to business

development

Building infrastructure

to service global needs

Impact of efficiency

measures (Tempe)

targeted levels

Street Estimates vs. SVB: Net Charge-Offs*

SVB’s 2012

Outlook:

Between

0.40% to

0.70% of

average total

gross loans

* Based on published reports providing estimates as of 02/01/12. Certain estimates and adjustments have been made where necessary. Please refer to analyst reports

before forming any conclusions.

Modest economic

growth in 2012

Continued strength

among our clients

VC Investment improves

but remains low

Solid pace of M&A for

our clients

Drivers: NCOs/Loans

Strong economic

improvement

Significant increase in VC

investment

Significant increase in

M&A/IPO activity

Economic deterioration

Slowdown in tech spending

Significant slowdown in VC

investment

Significant slowdown in

liquidity events

Our Assumptions

Positive

Negative

Street Estimates vs. SVB: ALLL*

SVB 2012

Outlook:

Comparable

to 2011

Levels of

1.23%

*SVB outlook is for ALLL for total gross performing loans as a percentage of total gross performing loans. Based on published reports providing estimates as of 02/01/12.

Certain estimates and adjustments have been made where necessary. Please refer to analyst reports before forming any conclusions.

Drivers: ALLL

Positive

Strong economic

improvement

Significant increase in

VC investment

Significant increase in

M&A/IPO activity

Negative

Economic deterioration

Slowdown in tech spending

Significant slowdown in

VC investment

Significant slowdown in

liquidity events

Strong client

performance

Modest economic

growth

VC Investment

improves but remains

low

Strong tech spending

Our Assumptions

Strong client

performance

Modest economic

growth

Modest improvement in

VC investment

Angels/Corporate

venture continue to

expand their role

Investment Securities and

Equity Warrant Drivers

Strong economic

improvement

Significant increase in VC

investment

Significant increase in

M&A/IPO activity

Economic deterioration

Slowdown in tech spending

Significant slowdown in VC

investment

Significant slowdown in

liquidity events

Notable decline in stock

market

Our Assumptions

Upside

Negative

Upside Drivers for ROE

Rising interest rates

Economic recovery

Loan growth

Non-credit income

Efficiency ratio (operating leverage)

Investments in the platform to support growth

Recovering M&A and IPO activity

Warrant gains

Private Equity & VC-related investments

Higher Loan Balances Will Benefit Us

Growth in

Overall Loan

Balances ($$)

Changes in

Net Interest

Income

(tax effected)

Incremental

EPS Effect

Incremental

ROE Effect

Net Interest

Margin Effect

+250 million

+$10.0M

$0.23

+0.5%

+0.09%

+500 million

+$20.0M

$0.46

+0.9%

+0.18%

+750 million

+$30.0M

$0.69

+1.4%

+0.27%

+1 billion

+$40.1M

$0.92

+1.8%

+0.36%

We expect each $250 million increase in loan volume to

contribute approximately $0.23 to EPS*

* Estimates are based on static balance sheet and assumptions as of 12/31/11

Rate Increases Will Benefit Us Significantly

Changes in

Fed Funds

Rate

(basis points)

Changes in

Net Interest

Income

(tax effected)

Incremental

EPS Effect

Incremental

ROE Effect

Net Interest

Margin Effect

+75

+$16.8M

$0.39

+0.8%

+0.15%

+100

+$26.4M

$0.61

+1.2%

+0.24%

+200

+$65.3M

$1.51

+3.0%

+0.59%

+300

+$104.4M

$2.41

+4.6%

+0.95%

* Tax-effected; estimates are based on static balance sheet and assumptions as of 12/31/11

We expect

each

bps

increase

the

Fed

Funds

rate

contribute

approximately

–

million

Net

Interest

Income*

Takeaways

Our earnings are primarily driven by core

banking activities

We have consistently performed well over the

long term

We remain focused on managing expense

growth

We expect solid growth in 2012

Longer term, we expect improved leverage

from

investments

our

platform

Loans: What’s Driving

Growth?

Dave Jones –

Chief Credit Officer

Joan Parsons –

Head of U.S. Banking

February 15, 2012

Our Loan Portfolio Reflects Our Focus

What’s Happened in 10 Years?

We have increased our share of larger,

more stable credit clients

Early stage loans have become a

smaller portion of the portfolio

Average loan size has increased from

$0.6M to $1.8M

Credit quality has become more stable

Focused but well diversified

within technology lending

Total

Loan

Portfolio

$7.0

Billion

12/31/11

A Diversified, Well-Performing Portfolio

Early Stage Loans

$487 Million (7% of Total Portfolio)

Technology

and

Life

Sciences

Portfolio

Only

$4.3

Billion

(62%

Total

Portfolio)

We have increased our share of

larger company clients

Loan Growth

Drivers

111

Recent Loan Growth Drivers

SVB Growth Initiatives

Segmentation

Global expansion

Private Bank

Continued client activity and momentum

Larger Clients Are Driving Growth

Loan Growth Dynamics

Increase in

average loan size

Higher utilization

of commitments

Change in client

mix

Larger Loans

115

Dynamic Larger Loan Balances

Dynamic Larger Loan Balances

*Average life over 20 quarters of loans larger than $20MM by Segment

Dynamic Larger Loan Balances

Dynamic Larger Loan Balances

*Average life over 20 quarters of loans larger than $20MM

Larger Clients Deliver Higher ROE

Early Stage

Growth

Corporate

Finance

Average loan

size

$0.5 million

$2.3 million

$6.6 million

Use of

non-credit

products

Low

High

Global

activity

Low

High

Domestic Opportunity

Accelerator

Growth

Corp

Finance

VC/PE

Private

Bank

Wine

Market

Direction

SVB

Opportunity

0-2 Years

SVB

Opportunity

3-5 Years

High

Medium

Low

Growing Market

Stable market

Credit Quality

Low Historic Credit Costs

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

NPLs as % of Total Gross Loans

NCOs as % of Total Average Gross Loans

NCOs:

Historical Average: 0.51%

Outlook:

0.40%

0.70%

NPLs:

Historical Average: 0.69%

Outlook: <0.52%

Positive Outlook for Credit Quality

Outlook

Outlook is for the full year 2012 as compared to the full year 2011. Please see our most recent financial releases for more information.

Allowance

for

total

gross

performing

loans

percent

total

gross

performing

loans

Non-performing loans as a percentage of total gross loans

Business Driver

2012 outlook

Allowance for loan losses

Comparable to 2011 levels of

1.23%

Net loan charge-offs

Between 0.40% and 0.70% of

average total gross loans

Nonperforming loans

Lower than 2011 levels of

0.52%

Longer-Term Credit Drivers

Continued positive client performance

and strength in client industries

Gradual economic recovery

Solid pace of M&A for our clients

Continued early-stage investment

Takeaways

High-quality, diversified loan portfolio

Recent growth from larger loans to larger

clients

These clients typically have more stable

credit experiences and use more fee-

based products

Early-stage smaller, but remains strategic

Significant growth from segmentation

and global initiatives

Building a Scalable

Platform For Growth

Bruce Wallace

Chief Operations Officer

February 15, 2012

Overview

Focus on key growth areas

What we’re doing to grow

Investing in people, products and

infrastructure

New global capabilities

How we’re working with clients

Results: today and in the future

Diversified Growth Across the Business

UK and

Europe

China

Israel

India

GLOBAL MARKETS & REACH

Growth Segment

Corporate Finance

Segment

Private Bank

Client Experience

CLIENT NEEDS

New Products &

Services

Enhanced Credit

Solutions

Expanded Banking

Network

New Payment Solutions

PRODUCT LINES

New Global Core

Banking System

Enhanced Global

Payment System

IT Backbone Upgrade

Enhanced On-line/Mobile

Systems

GLOBAL PLATFORM

What We’re

Doing to Grow

Investing in people

Developing new

products and

services

Enhancing our

infrastructure

…GLOBALLY

People

Investing in People

Global banking experience

Domain expertise

Global shared services model

Supporting Our Global Expansion

New Senior Management

Positions

Head of Global Transaction Banking

Head of Product Development and

Head of Global Treasury Sales

Head of Global Payment Solutions

Channel Delivery

Products &

Services

Products &

Services

New Products &

Services

Mobile Merchant

Services

Enterprise Sweep

accounts

(off-balance sheet)

Smart Data Expense

Management

New Products &

Services

Smart Chip Payment

Solutions

Global Payment

Services

Offshore RMB

(Global Treasury

Services)

Enhancing Our Infrastructure

Enhancing Our Infrastructure

Global banking platform

Integrated channel delivery

solutions

Industry-leading client experience

Strengthening our IT and

information security

Enterprise

Infrastructure

Channel Delivery

Global Expansion

Investment in Our Growth

Other

47%

28%

19%

Project Portfolio Spend = 15% of Total Operations and

IT Budget in 2011

What Do We Expect in 2012?

Projected Project Portfolio Spend = 19% of Total

Operations and IT Budget in 2012

Other

59%

20%

16%

Enterprise

Infrastructure

Global Expansion

Channel Delivery

How It Translates into Our Capabilities

CAGR 2009-2011 (Dollar volumes)

Foreign Exchange Trades

35%

International Payments

75%

Global Treasury Accounts

40%

Multi-Currency Balances

62%

Card Transactions

73%

How It Translates into Our Capabilities

How We’re Working With Clients

Our Global Platform Is Driving Growth

Global Treasury Management and Payment Services

continue to be critical to long-term earnings growth

$57

$106

$20

$40

$60

$80

$100

$120

2007

2008

2009

2010

2011

Millions

Numbers Don’t Tell the Whole Story

Revenues and relationships we would not

have captured without global presence

Cross-border activity

Higher per-client use of international

products

Increased client activity enabled by a single

global platform

Our investments are generating

significant indirect revenues

Takeaways

We are investing in a scalable

infrastructure for growth

Our investments are enabling us to

provide global products and

services to clients

Client service and client experience

remain key competitive advantages

for us

Summary and

Milestones

Summary

and

Milestones

Greg

Becker

President

Chief

Executive

Officer

Mike

Descheneaux

Chief

Financial

Officer

February 15, 2012

What We Covered Today

Who we are and what we do

Our recent financial performance

Our growth strategy and

expectations

The cool things our clients do.

Financial Goals 2012–2015

“Core”

excludes

gains/losses

investment

securities

and

gains/losses

equity

warrants

High-Performing Bank

~10%+ ROE in low rate environment

~15%+ in normal rate environment

High Growth

~15%+ Core * EPS growth rate per year

with flat rates

~20%+ with increasing rates

What Else Do We Track?

Net Promoter Score

Employee engagement

Revenue growth (excluding warrants

and securities)/expense growth

Product penetration

Market share

Summary

We are a differentiated global bank

with a long history of

outperformance

We have consistently made the right

decisions to foster long-term growth

Our focus on innovation markets

offers us a unique opportunity for

growth

Summary

Our experience, expertise and

capabilities give us a significant

competitive advantage

We have the ability and the means to

execute on our growth plans

SVB Financial (SIVBQ) 8-KRegulation FD Disclosure