Exhibit 99
Corrected Slide from Presentation of Greater Bay Bancorp as of September 30, 2004
Credit Quality
Net Charge-Offs Peaked in 2002 $ in millions
$60.0
$50.0
$40.0
$30.0
$20.0
$10.0
$0.0
-$10.0
2001
2002
2003
YTD 3Q04 Annualized
Total Matsco SNC Other C&I CRE & Construction Consumer
$25.2 $0.7 $15.2 $11.4 -$2.4 $0.4
$54.8 $17.5 $13.8 $13.5 $9.5 $0.5
$31.6 $9.5 $10.1 $5.8 $5.3 $0.9
$17.5 $4.5 $6.8 $1.0 $4.7 $0.5
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