10-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-K

(Mark One)

x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2013

OR

¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from          to         .

Commission File Number: 000-15637

SVB FINANCIAL GROUP

(Exact name of registrant as specified in its charter)

Delaware	91-1962278
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No.)

3003 Tasman Drive, Santa Clara, California	95054-1191
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: (408) 654-7400

 Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Name of each exchange on which registered
Common stock, par value $0.001 per share	NASDAQ Global Select Market
Junior subordinated debentures issued by SVB Capital II and the guarantee with respect thereto	NASDAQ Global Select Market

Securities registered pursuant to Section 12(g) of the Act:     None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes x No ¨

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ¨ No x

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No ¨

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes x No ¨

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.    x

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer  x    Accelerated filer  ¨    Non-accelerated filer  ¨    Smaller reporting company  ¨

(Do not check if a smaller reporting company)

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ¨ No x

The aggregate market value of the voting and non-voting common equity securities held by non-affiliates of the registrant as of June 30, 2013, the last business day of the registrant's most recently completed second fiscal quarter, based upon the closing price of its common stock on such date, on the NASDAQ Global Select Market was $3,787,772,443.

At January 31, 2014, 45,859,194 shares of the registrant’s common stock ($0.001 par value) were outstanding.

Documents Incorporated by Reference	Parts of Form 10-K Into Which Incorporated
Definitive proxy statement for the Company's 2014 Annual Meeting of Stockholders to be filed within 120 days of the end of the fiscal year ended December 31, 2013	Part III

TABLE OF CONTENTS

			Page
PART I.	Item 1.	Business	6
	Item 1A.	Risk Factors	17
	Item 1B.	Unresolved Staff Comments	27
	Item 2.	Properties	27
	Item 3.	Legal Proceedings	28
	Item 4.	Mine Safety Disclosures	28
PART II.	Item 5.	Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities	29
	Item 6.	Selected Consolidated Financial Data	31
	Item 7.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	32
	Item 7A.	Quantitative and Qualitative Disclosures about Market Risk	83
	Item 8.	Consolidated Financial Statements and Supplementary Data	86
		Consolidated Balance Sheets	87
		Consolidated Statements of Income	88
		Consolidated Statements of Comprehensive Income	89
		Consolidated Statements of Stockholders’ Equity	90
		Consolidated Statements of Cash Flows	91
		Notes to Consolidated Financial Statements	92
	Item 9.	Changes in and Disagreements with Accountants on Accounting and Financial Disclosure	160
	Item 9A.	Controls and Procedures	160
	Item 9B.	Other Information	160
PART III.	Item 10.	Directors, Executive Officers and Corporate Governance	161
	Item 11.	Executive Compensation	161
	Item 12.	Security Ownership of Certain Beneficial Owners and Management, and Related Stockholder Matters	161
	Item 13.	Certain Relationships and Related Transactions, and Director Independence	161
	Item 14.	Principal Accounting Fees and Services	161
PART IV.	Item 15.	Exhibits, Financial Statement Schedules	162
SIGNATURES			163
INDEX TO EXHIBITS			165

Glossary of Frequently-used Acronyms in this Report

AICPA – American Institute of Certified Public Accountants

ASC — Accounting Standards Codification

ASU – Accounting Standards Update

DBO – California Department of Business Oversight - Division of Financial Institutions

EHOP – Employee Home Ownership Program of the Company

EPS – Earnings Per Share

ESOP – Employee Stock Ownership Plan of the Company

ESPP – 1999 Employee Stock Purchase Plan of the Company

FASB – Financial Accounting Standards Board

FDIC – Federal Deposit Insurance Corporation

FHLB – Federal Home Loan Bank

FINRA – Financial Industry Regulatory Authority

FRB – Federal Reserve Bank

FTP – Funds Transfer Pricing

GAAP - Accounting principles generally accepted in the United States of America

IASB – International Accounting Standards Board

IFRS – International Financial Reporting Standards

IPO – Initial Public Offering

IRS – Internal Revenue Service

IT – Information Technology

LIBOR – London Interbank Offered Rate

M&A – Merger and Acquisition

OTTI – Other Than Temporary Impairment

SEC – Securities and Exchange Commission

TDR – Troubled Debt Restructuring

UK – United Kingdom

VIE – Variable Interest Entity

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Forward-Looking Statements

This Annual Report on Form 10-K, including in particular “Management’s Discussion and Analysis of Financial Condition and Results of Operations” under Part II, Item 7 of this report, contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. In addition, management has in the past and might in the future make forward-looking statements orally to analysts, investors, the media and others. Forward-looking statements are statements that are not historical facts. Broadly speaking, forward-looking statements include, but are not limited to, the following:

• Projections of our net interest income, noninterest income, earnings per share, noninterest expenses (including professional services, compliance, compensation and other costs), cash flows, balance sheet positions, capital expenditures, liquidity and capitalization or other financial items

• Descriptions of our strategic initiatives, plans or objectives for future operations, including pending sales or acquisitions

• Forecasts of venture capital/private equity funding and investment levels

• Forecasts of future interest rates, economic performance, and income from investments

• Forecasts of expected levels of provisions for loan losses, loan growth and client funds

• Descriptions of assumptions underlying or relating to any of the foregoing

In this Annual Report on Form 10-K, we make forward-looking statements, including, but not limited to, those discussing our management’s expectations about:

• Market and economic conditions (including interest rate environment, and levels of public offerings, mergers/acquisitions and venture capital financing activities) and the associated impact on us

• The sufficiency of our capital, including sources of capital (such as funds generated through retained earnings), the extent to which capital may be used or required, and our capital category classification

• The adequacy of our liquidity position, including sources of liquidity (such as funds generated through retained earnings)

• Our overall investment plans, strategies and activities, including venture capital/private equity funding and investments, and our investment of excess cash/liquidity

• The realization, timing, valuation and performance of equity or other investments, including the impact of changes in our valuation of our investments, such as FireEye

• The likelihood that the market value of our impaired investments will recover

• Our intent to sell our available-for-sale securities prior to recovery of our cost basis, or the likelihood of such

• The impact on our interest income from mortgage prepayment levels as it relates to our premium amortization expense, and from changes in loan yields due to shifts in loan mix

• Expected cash requirements for unfunded commitments to certain investments, including capital calls

• Our overall management of interest rate risk, including managing the sensitivity of our interest-earning assets and interest-bearing liabilities to interest rates, and the impact to earnings from a change in interest rates

• The credit quality of our loan portfolio, including levels and trends of nonperforming loans, impaired loans, criticized loans and troubled debt restructurings

• The adequacy of reserves (including allowance for loan and lease losses) and the appropriateness of our methodology for calculating such reserves

• The level of loan and deposit balances

• The level of client investment fees and associated margins

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• The profitability of our products and services, including loan yields, loan pricing, and interest margins

• Our strategic initiatives, including the expansion of operations and business activities in China, India, Israel, the UK and elsewhere domestically or internationally

• The expansion and growth of our noninterest income sources

• Distributions of venture capital, private equity or debt fund investment proceeds; intentions to sell such fund investments

• The changes in, or adequacy of, our unrecognized tax benefits and any associated impact

• The realization of certain deferred tax assets, and of any benefit stemming from certain net operating loss carryforwards.

• The extent to which counterparties, including those to our forward and option contracts, will perform their contractual obligations

• The condition and suitability of our properties

• The manner in which we compete

• Our estimated potential liability associated with certain securities subject to rescission rights in connection with our 401(k) plan

• The effect of application of accounting pronouncements and regulatory requirements

• The effect of lawsuits and claims

• Regulatory developments, including the nature and timing of the adoption and effectiveness of requirements under the Dodd-Frank Act (as defined below), new capital requirements and other applicable Federal, State and International laws and regulations, and any related impact on us

• The expected impact of the "Volcker Rule" under the Dodd-Frank Act, including our intention to seek the maximum extensions to the conformance period applicable to us

You can identify these and other forward-looking statements by the use of words such as “becoming,” “may,” “will,” “should,” "could," "would," “predicts,” “potential,” “continue,” “anticipates,” “believes,” “estimates,” “seeks,” “expects,” “plans,” “intends,” the negative of such words, or comparable terminology. Although we believe that the expectations reflected in these forward-looking statements are reasonable, we have based these expectations on our beliefs as well as our assumptions, and such expectations may prove to be incorrect. Our actual results of operations and financial performance could differ significantly from those expressed in or implied by our management’s forward-looking statements.

For information with respect to factors that could cause actual results to differ from the expectations stated in the forward-looking statements, see “Risk Factors” under Part I, Item 1A in this report. We urge investors to consider all of these factors carefully in evaluating the forward-looking statements contained in this Annual Report on Form 10-K. All subsequent written or oral forward-looking statements attributable to us or persons acting on our behalf are expressly qualified in their entirety by these cautionary statements. The forward-looking statements included in this filing are made only as of the date of this filing. We assume no obligation and do not intend to revise or update any forward-looking statements contained in this Annual Report on Form 10-K, except as required by law.

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PART I.

ITEM 1. BUSINESS

General

SVB Financial Group ("SVB Financial") is a diversified financial services company, as well as a bank holding company and a financial holding company. SVB Financial was incorporated in the state of Delaware in March 1999. Through our various subsidiaries and divisions, we offer a variety of banking and financial products and services to clients across the United States, as well as in key international entrepreneurial markets. For 30 years, we have been dedicated to helping entrepreneurs succeed, primarily in the technology, life science, venture capital/private equity and premium wine industries. We provide our clients of all sizes and stages with a diverse set of products and services to support them throughout their life cycles.

We offer commercial and private banking products and services through our principal subsidiary, Silicon Valley Bank (the “Bank”), which is a California state-chartered bank founded in 1983 and a member of the Federal Reserve System. Through its subsidiaries, the Bank also offers investment advisory, asset management, private wealth management, and brokerage services. Through our other subsidiaries and divisions, we also offer non-banking products and services, such as funds management and business valuation services. Additionally, we focus on cultivating strong relationships with firms within the venture capital and private equity community worldwide, many of which are also our clients and may invest in our corporate clients.

As of December 31, 2013, we had, on a consolidated basis, total assets of $26.4 billion, total investment securities of $13.6 billion, total loans, net of unearned income, of $10.9 billion, total deposits of $22.5 billion and total SVB Financial Group (“SVBFG”) stockholders' equity of $2.0 billion.

We operate through 28 offices in the United States, as well as offices internationally in China, Hong Kong, India, Israel and the United Kingdom. Our corporate headquarters is located at 3003 Tasman Drive, Santa Clara, California 95054, and our telephone number is 408.654.7400.

When we refer to “SVB Financial Group,” “SVBFG,” the “Company,” “we,” “our,” “us” or use similar words, we mean SVB Financial Group and all of its subsidiaries collectively, including the Bank. When we refer to “SVB Financial” or the “Parent” we are referring only to the parent company, SVB Financial Group.

Business Overview

For reporting purposes, SVB Financial Group has three operating segments for which we report financial information in this report: Global Commercial Bank, SVB Private Bank and SVB Capital.

Global Commercial Bank

Our Global Commercial Bank segment is comprised of results primarily from our Commercial Bank, and to a lesser extent, from SVB Specialty Lending, SVB Analytics and our Debt Fund Investments, each as further described below.

Commercial Bank. Our Commercial Bank products and services are provided by the Bank and its subsidiaries to commercial clients in the technology, venture capital/private equity, life science and cleantech industries. The Bank provides solutions to the financial needs of commercial clients through credit, global treasury management, foreign exchange, global trade finance, and other services. We broadly serve clients within the U.S., as well as non-U.S. clients in key international entrepreneurial markets.

Through our credit products and services, the Bank extends loans and other credit facilities to commercial clients. These loans may be secured by clients' assets or based on clients' cash flows. In some cases, loans may be unsecured. Credit products and services include traditional term loans, equipment loans, asset-based loans, revolving lines of credit, accounts-receivable-based lines of credit, capital call lines of credit and credit cards.

The Bank's global treasury management products and services include a wide range of deposit, receivables, payments and cash management solutions. Deposit products include business and analysis checking accounts, money market accounts, multi-currency, and sweep accounts. In connection with deposit services, the Bank provides receivables services, which include lockbox, electronic deposit capture, and merchant services that facilitate timely depositing of checks and other payments to clients' accounts. Payment and cash management products and services include wire transfer and automated clearing house payment services to enable clients to transfer funds quickly, as well as bill pay, account analysis, and disbursement services. Client accounts and our services may be accessed through our online and mobile banking platforms.

The Bank's foreign exchange and global trade products and services facilitate clients' global finance and business needs. These products and services include foreign exchange services that allow commercial clients to manage their foreign currency needs and risks through the purchase and sale of currencies, swaps and hedges on the global inter-bank market. To facilitate clients' international trade, the Bank offers a variety of loan and credit facilities guaranteed by the Export-Import Bank of the

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United States. The Bank also offers letters of credit, including export, import, and standby letters of credit, to enable clients to ship and receive goods globally.

The Bank and its subsidiaries offer a variety of investment services and solutions to its clients that enable them to effectively manage their assets. Through its registered investment advisory subsidiary, SVB Asset Management, the Bank offers discretionary investment advisory services based on its clients investment policies, strategies and objectives. Through its broker-dealer subsidiary, SVB Securities, the Bank offers clients access to investments in third party money market mutual funds and fixed-income securities or through our repurchase agreement program.

SVB Specialty Lending. SVB Specialty Lending provides banking products and services to our premium wine industry clients, including vineyard development loans, as well as community development loans made as part of our responsibilities under the Community Reinvestment Act.

SVB Analytics. SVB Analytics provides equity valuation services to companies and venture capital/private equity firms.

Debt Fund Investments. Debt Fund Investments include our investments in debt funds in which we are a strategic investor: (i) Gold Hill funds, which provide secured debt to private companies of all stages, and (ii) Partners for Growth funds, which provide secured debt primarily to mid-stage and late-stage companies.

SVB Private Bank

SVB Private Bank is the private banking division of the Bank, which provides a range of personal financial solutions for consumers. Our clients are primarily venture capital/private equity professionals and executive leaders of the innovation companies they support. We offer a customized suite of private banking services, including mortgages, home equity lines of credit, restricted stock purchase loans, capital call lines of credit, and other secured and unsecured lending. We also help our private banking clients meet their cash management needs by providing deposit account products and services, including checking, money market, certificates of deposit accounts, online banking, credit cards and other personalized banking services. We also launched, in late 2013, a new subsidiary of the Bank, SVB Wealth Advisory, which provides private wealth management services to individual clients.

SVB Capital

SVB Capital is the venture capital investment arm of SVB Financial Group, which focuses primarily on funds management. SVB Capital manages approximately $1.9 billion of funds on behalf of third-party limited partner investors, and on a more limited basis, SVBFinancial Group. The SVB Capital family of funds is comprised of direct venture funds that invest in companies and funds of funds that invest in other venture capital funds. SVB Capital generates income for the Company primarily through investment returns (including carried interest) and management fees. Most of the funds managed by SVB Capital are consolidated into our financial statements. See Note 2-“Summary of Significant Accounting Policies-Principles of Consolidation and Presentation” of the “Notes to the Consolidated Financial Statements” under Part II, Item8 in this report.

For more information about our three operating segments, including financial information and results of operations, see “Management's Discussion and Analysis of Financial Condition and Results of Operations-Operating Segment Results” under Part II, Item7 in this report, and Note 20-“Segment Reporting” of the “Notes to the Consolidated Financial Statements” under Part II, Item8 in this report.

Revenue Sources

Our total revenue is comprised of our net interest income and noninterest income. Net interest income on a fully taxable equivalent basis and noninterest income for the year ended December31, 2013 were $699.1 million and $673.2 million, respectively.

Net interest income is primarily income generated from interest rate differentials. The difference between the interest rates received on interest-earning assets, such as loans extended to clients and securities held in our available-for-sale securities portfolio, and the interest rates paid by us on interest-bearing liabilities, such as deposits and borrowings, accounts for the major portion of our earnings. Our deposits are largely obtained from commercial clients within our technology, life science, venture capital and private equity industry sectors. Deposits are also obtained from the premium wine industry commercial clients and from our Private Bank clients. We do not obtain deposits from conventional retail sources.

Noninterest income is primarily income generated from our fee-based services and gains on our investments and derivative securities. We offer a wide range of fee-based financial services to our clients, including global commercial banking, private banking and other business services. Our ability to integrate and cross-sell our diverse financial services to our clients is a strength of our business model. Additionally, we hold available-for-sale, non-marketable and marketable investment securities. Subject to applicable regulatory requirements, we manage and invest in venture capital/private equity funds that invest directly in privately-held companies, as well as funds that invest in other venture capital/private equity funds. Gains on these investments

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are reported in our consolidated statements of income and include noncontrolling interest. See “Management's Discussion and Analysis of Financial Condition and Results of Operations-Noninterest Income-Gains on Investment Securities, Net” under Part II, Item 7 in this report. We also recognize gains from warrants to acquire stock in client companies, which we obtain in connection with negotiating credit facilities and certain other services.

We derive substantially all of our revenue from U.S. clients. We derived less than 10 percent of our total revenues from foreign clients for each of 2013, 2012 and 2011.

Industry Niches

In each of the industry niches we serve, we provide services to meet the needs of our clients throughout their life cycles, beginning with the emerging, start-up stage.

Technology and Life Sciences

We serve a variety of clients in the technology and life science industries. Our technology clients tend to be in the industries of hardware (semiconductors, communications and electronics), software, cleantech (energy and resource innovation) and related services. Because of the diverse nature of clean technology products and services, for our loan-related reporting purposes , cleantech-related loans are reported under our hardware, software, life science and other commercial loan categories, as applicable. Our life science clients primarily tend to be in the industries of biotechnology and medical devices. A key component of our technology and life science business strategy is to develop relationships with clients at an early stage and offer them banking services that will continue to meet their needs as they mature and expand. We serve these clients primarily through three practices:

• Our SVB Accelerator practice focuses on serving our “emerging” or “early stage” clients. These clients are generally in the start-up or early stages of their life cycles. They are typically privately-held and funded by friends and family, “seed” or “angel” investors, or have gone through an initial round of venture capital financing. They are typically engaged in research and development, have little or no revenue and may have only brought a few products or services to market. SVB Accelerator clients tend to have annual revenues below $5 million, with many being pre-revenue companies.

• Our SVB Growth practice serves our “mid-stage” and “late-stage” clients. These clients are in the intermediate or later stages of their life cycles and are generally privately-held, and many are dependent on venture capital for funding. Some of these clients are in the more advanced stages of their life cycles and may be publicly held or poised to become publicly held. Our SVB Growth clients generally have a solid or more established product or service offering in the market, with more meaningful or considerable revenue. They also may be expanding globally. SVB Growth clients tend to have annual revenues between $5 million and $75 million.

• Our SVB Corporate Finance practice serves primarily our large corporate clients, which are more mature and established companies. These clients are generally publicly-held or large privately-held companies, have a more sophisticated product or service offering in the market, and significant revenue. They also may be expanding globally. SVB Corporate Finance clients tend to have annual revenues over $75 million.

Venture Capital/Private Equity

We provide financial services to clients in the venture capital/private equity community. Since our founding, we have cultivated strong relationships within the venture capital/private equity community, particularly with venture capital firms worldwide, many of which are also clients, facilitating deal flow to and from these firms.

Premium Wine

We are one of the leading providers of financial services to premium wine producers across the Western United States, primarily in California's Napa Valley, Sonoma County and Central Coast regions, and the Pacific Northwest. We focus on vineyards and wineries that produce grapes and premium wines.

Competition

The banking and financial services industry is highly competitive, and continues to evolve as a result of changes in regulation, technology, product delivery systems, and the general market and economic climate. Our current competitors include other banks, debt funds and specialty and diversified financial services intermediaries that offer lending, leasing, payments, investment, advisory and other financial products and services to our target client base. The principal competitive factors in our markets include product offerings, service, pricing, and transaction size and structure. Given our established market position within the

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client segments that we serve, and our ability to integrate and cross-sell our diverse financial services to extend the length of our relationships with our clients, we believe we compete favorably in all our markets in these areas.

Employees

As of December 31, 2013, we employed 1,704 full-time equivalent employees.

Supervision and Regulation

Our bank and bank holding company operations are subject to extensive regulation by federal and state regulatory agencies. This regulation is intended primarily for the stability of the US banking system as well as the protection of depositors and the Deposit Insurance Fund (“DIF”). This regulation is not intended for the benefit of our security holders. As a bank holding company and a financial holding company, SVB Financial is subject to primary inspection, supervision, regulation, and examination by the Board of Governors of the Federal Reserve System under the Bank Holding Company Act of 1956, as amended (“BHC Act”). The Bank, as a California state-chartered bank and a member of the Federal Reserve System, is subject to primary supervision and examination by the Federal Reserve Board, as well as the California Department of Business Oversight---Division of Financial Institutions (“DBO”). In addition, and to the extent provided by law, the Bank's deposits are insured by the Federal Deposit Insurance Corporation (“FDIC”) and the DIF. Our consumer banking activities are also subject to regulation by the Consumer Finance Protection Bureau (the “CFPB”). SVB Financial's other nonbank subsidiaries are subject to regulation by the Federal Reserve Board and other applicable federal and state regulatory agencies, including the SEC and the Financial Industry Regulatory Authority (“FINRA”). In addition, we are subject to regulation by certain foreign regulatory agencies in international jurisdictions where we may conduct business, including the U.K., Israel, India, Hong Kong and China. (See “International Regulation” below.)

The following discussion of statutes and regulations is a summary and does not purport to be complete. This discussion is qualified in its entirety by reference to the statutes and regulations referred to in this discussion. Regulators, Congress, state legislatures and international consultative bodies continue to enact rules, laws and policies to regulate the financial services industry and public companies and to protect consumers and investors. The nature of these laws and regulations and the effect of such policies on the Company's business cannot be predicted and in some cases, may have a material and adverse effect on our business, financial condition, and/or results of operations.

Regulation of Parent: SVB Financial

Under the BHC Act, SVB Financial, as a bank holding company, is subject to the Federal Reserve's regulation and its authority to, among other things:

• Require periodic reports and such additional information as the Federal Reserve may require in its discretion;

• Require the maintenance of certain levels of capital;

• Restrict the ability of bank holding companies to service debt or to receive dividends or other distributions from their subsidiary banks;

• Require prior approval for senior executive officer and director changes under certain circumstances;

• Require that bank holding companies serve as a source of financial and managerial strength to subsidiary banks and commit resources as necessary to support each subsidiary bank. A bank holding company's failure to meet its obligations to serve as a source of strength to its subsidiary banks will generally be considered by the Federal Reserve to be an unsafe and unsound banking practice or a violation of Federal Reserve regulations or both under current law, and will be a statutory violation under the Dodd-Frank Act, as described below;

• Terminate an activity or terminate control of or liquidate or divest certain subsidiaries, affiliates or investments if the Federal Reserve believes the activity or the control of the subsidiary or affiliate constitutes a serious risk to the financial safety, soundness or stability of any bank subsidiary;

• Regulate provisions of certain bank holding company debt, including the authority to impose interest ceilings and reserve requirements on such debt and require prior approval to purchase or redeem our securities in certain situations; and

• Approve acquisitions and mergers with banks and consider certain competitive, management, financial, financial stability and other factors in granting these approvals. Similar California and other state banking agency approvals may also be required.

Bank holding companies are generally prohibited, except in certain statutorily prescribed instances including exceptions for financial holding companies, from acquiring direct or indirect ownership or control of more than 5% of the outstanding voting shares of any company that is not a bank or bank holding company and from engaging directly or indirectly in activities other than those of banking, managing or controlling banks, or furnishing services to its subsidiaries. However, subject to prior notice or Federal Reserve Board approval, bank holding companies may engage in, or acquire shares of companies engaged in, activities determined by the Federal Reserve Board to be so closely related to banking or managing or controlling banks as to be a proper

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incident thereto. As a financial holding company, SVB Financial may engage in these nonbanking activities and certain other broader securities, insurance, merchant banking and other activities that are determined to be “financial in nature” or are incidental or complementary to activities that are financial in nature without prior Federal Reserve approval, subject to the requirement imposed by the Dodd-Frank Act that SVB Financial will be required to obtain prior Federal Reserve approval in order to acquire a nonbanking company with more than $10billion in consolidated assets.

Pursuant to the Gramm-Leach-Bliley Act of 1999 (“GLBA”), in order to elect and retain financial holding company status, all depository institution subsidiaries of a bank holding company must be well capitalized, well managed, and, except in limited circumstances, in satisfactory compliance with the Community Reinvestment Act (“CRA”). In addition, a financial holding company is also required to be well capitalized and well managed. Failure to sustain compliance with these requirements or correct any non-compliance within a fixed time could lead to divestiture of subsidiary banks or require all activities to conform to those permissible for a bank holding company.

Because we are a holding company, our rights and the rights of our creditors and security holders to participate in the assets of any of our subsidiaries upon the subsidiary's liquidation or reorganization will be subject to the prior claims of the subsidiary's creditors, except to the extent we may ourselves be a creditor with recognized claims against the subsidiary. In addition, there are various statutory and regulatory limitations on the extent to which the Bank can finance or otherwise transfer funds to us or to our non-bank subsidiaries, including certain investment funds to which the Bank serves as an investment adviser, whether in the form of loans or other extensions of credit, including a purchase of assets subject to an agreement to repurchase, securities investments, the borrowing or lending of securities to the extent that the transaction causes the Bank or a subsidiary to have credit exposure to the affiliate, or certain other specified types of transactions, as discussed in further detail below. Furthermore, loans and other extensions of credit by the Bank to us or any of our non-bank subsidiaries are required to be secured by specified amounts of collateral and are required to be on terms and conditions consistent with safe and sound banking practices.

SVB Financial is also treated as a bank holding company under the California Financial Code. As such, SVB Financial and its subsidiaries are subject to periodic examination by and may be required to file reports with the DBO.

Securities Registration and Listing

SVB Financial's securities are registered under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), and listed on the NASDAQ Global Select Market. As such, SVB Financial is subject to the information, proxy solicitation, insider trading, corporate governance, and other requirements and restrictions of the Exchange Act, as well as the Marketplace Rules and other requirements promulgated by the Nasdaq Stock Market, Inc.

As a public company, SVB Financial is also subject to the accounting oversight and corporate governance requirements of the Sarbanes-Oxley Act of 2002, including, among other things, required executive certification of financial presentations, increased requirements for board audit committees and their members, and enhanced requirements relating to disclosure controls and procedures and internal control over financial reporting.

The Dodd-Frank Wall Street Reform and Consumer Protection Act

The events of the past several years led to numerous new laws and regulatory pronouncements in the United States and internationally for financial institutions. The Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank Act”), enacted in 2010, is one of the most far reaching legislative actions affecting the financial services industry in decades and significantly restructures the financial regulatory regime in the United States. The Dodd-Frank Act broadly affects the financial services industry by creating new resolution authorities, requiring ongoing stress testing of capital, mandating higher capital and liquidity requirements, increasing regulation of executive and incentive-based compensation and requiring numerous other provisions aimed at strengthening the sound operation of the financial services sector depending, in part, on the size of the financial institution. Among other things, the Dodd-Frank Act provides for:

• Capital standards applicable to bank holding companies may be no less stringent than those applied to insured depository institutions;

• Annual stress tests for entities, including the Bank, and early remediation or so-called living wills are required for larger banks with more than $50 billion in assets, as well as risk committees of its board of directors that include a risk expert, and such requirements may have the effect of establishing new best practices standards for banks below $50 billion in assets, such as SVB Financial Group;

• Restrictions on a bank's ability to sponsor or invest in certain funds, including hedge or private equity funds;

• Repeal of the federal prohibition (Regulation Q) on the payment of interest on demand deposits, including business checking accounts, and made permanent the $250,000 limit for federal deposit insurance;

• The establishment of the CFPB with responsibility for promulgating and enforcing regulations designed to protect consumers' financial interests and prohibit unfair, deceptive and abusive acts and practices by financial institutions;

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• The CFPB to directly examine those financial institutions with $10 billion or more in assets, such as SVBFG, for compliance with the regulations promulgated by the CFPB;

• Limits, or places significant burdens and compliance and other costs, on activities traditionally conducted by banking organizations, such as originating and securitizing mortgage loans and other financial assets, arranging and participating in swap and derivative transactions, proprietary trading and investing in private equity and other funds and restrictions on debit charge interchange fees; and

• The establishment of new compensation restrictions and standards regarding the time, manner and form of compensation given to key executives and other personnel receiving incentive compensation, including documentation and governance, proxy access by stockholders, deferral and claw-back requirements.

Many of the regulations to implement the Dodd-Frank Act have not yet been published for comment or adopted in final form and/or will take effect over several years, making it difficult to anticipate the overall financial impact on SVB Financial, our customers or the financial industry more generally. Individually and collectively, both proposed and final regulations resulting from the Dodd-Frank Act may materially and adversely affect our businesses, financial conditions and results of operations.

Regulation of Silicon Valley Bank

The Bank is a California state-chartered bank, a member and stockholder of the Federal Reserve and a member of the FDIC. The Bank is subject to primary supervision, periodic examination and regulation by the DBO and the Federal Reserve, as the Bank's primary federal regulator. In general, under the California Financial Code, California banks have all the powers of a California corporation, subject to the general limitation of state bank powers under the Federal Deposit Insurance Act to those permissible for national banks. Specific federal and state laws and regulations which are applicable to banks regulate, among other things, the scope of their business, their investments, their reserves against deposits, the timing of the availability of deposited funds and the nature and amount of and collateral for certain loans. The regulatory structure also gives the bank regulatory agencies extensive discretion in connection with their supervisory and enforcement activities and examination policies, including policies with respect to the classification of assets and the establishment of adequate loan loss reserves for regulatory purposes. If, as a result of an examination, the DBO or the Federal Reserve should determine that the financial condition, capital resources, asset quality, earnings prospects, management, liquidity, or other aspects of the Bank's operations are unsatisfactory or that the Bank or its management is violating or has violated any law or regulation, the DBO and the Federal Reserve, and separately FDIC as insurer of the Bank's deposits, have residual authority to:

• Require affirmative action to correct any conditions resulting from any violation or practice;

• Require prior approval for senior executive officer and director changes;

• Direct an increase in capital and the maintenance of specific minimum capital ratios which may preclude the Bank from being deemed well capitalized for regulatory purposes;

• Restrict the Bank's growth geographically, by products and services, or by mergers and acquisitions;

• Enter into informal or formal enforcement orders, including memoranda of understanding, written agreements and consent or cease and desist orders to take corrective action and enjoin unsafe and unsound practices;

• Restrict or prohibit the Bank from paying dividends or making other distributions to SVB Financial;

• Remove officers and directors and assess civil monetary penalties; and

• Take possession of and close and liquidate the Bank.

California law permits state chartered commercial banks to engage in any activity permissible for national banks. Therefore, the Bank may form subsidiaries to engage in the many so-called “closely related to banking” or “nonbanking” activities commonly conducted by national banks in operating subsidiaries, and further, the Bank may conduct certain “financial” activities in a subsidiary to the same extent as may a national bank, provided the Bank is and remains “well-capitalized,”“well-managed” and in satisfactory compliance with the CRA. The Bank continues to be in satisfactory compliance with the CRA.

Regulatory Capital

The federal banking agencies have adopted guidelines governing risk-based capital and allowable leverage capital levels for bank holding companies and banks that are expected to provide a measure of capital that reflects the degree of risk associated with a banking organization's operations for both transactions reported on the balance sheet as assets, such as loans, and those recorded as off-balance sheet items, such as commitments, letters of credit and recourse arrangements.

Under current capital guidelines, banking organizations are required to maintain certain minimum risk-based capital ratios, which are calculated by dividing a banking organization's qualifying capital by its risk-weighted assets (including both on- and off-balance sheet assets). Risk-weighted assets are calculated by assigning assets and off-balance sheet items to broad risk categories. Qualifying capital is classified depending on the type of capital. For SVB Financial:

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• “Tier 1 capital” consists of common equity, retained earnings, qualifying non-cumulative perpetual preferred stock, a limited amount of qualifying cumulative perpetual preferred stock issued prior to May 19, 2010 and noncontrolling interests in the equity accounts of consolidated subsidiaries (including trust-preferred securities), less goodwill and certain other intangible assets. Qualifying Tier 1 capital may consist of trust-preferred securities issued prior to May 19, 2010, subject to certain criteria and quantitative limits for inclusion of restricted core capital elements in Tier 1 capital.

• “Tier 2 capital” includes, among other things, hybrid capital instruments, perpetual debt, mandatory convertible debt securities, qualifying term subordinated debt, preferred stock that does not qualify as Tier 1 capital, and a limited amount of allowance for loan and lease losses.

As a bank holding company, SVB Financial is subject to three capital ratios: a total risk-based capital ratio, a Tier 1 risk-based capital ratio and a Tier 1 leverage ratio. To be classified as “adequately capitalized”, the minimum required ratios for bank holding companies and banks are eight percent, four percent and four percent, respectively. Additionally, for SVB Financial to remain a financial holding company, the Bank must at all times be “well-capitalized,” which requires the Bank to have a total risk-based capital ratio, a Tier 1 risk-based capital ratio and a Tier 1 leverage ratio of at least ten percent, six percent and five percent, respectively. Moreover, maintaining SVB Financial at “well-capitalized” status provides certain benefits to SVB Financial, such as the ability to repurchase stock without prior regulatory approval (where otherwise regulatory approval would be required). To be “well-capitalized,” SVB Financial must at all times have a total risk-based and Tier 1 risk-based capital ratio of at least ten percent and six percent, respectively. There is no current Tier 1 leverage requirement for SVB Financial to be deemed “well-capitalized”. As of December 31, 2013, both SVB Financial and the Bank were considered “well-capitalized” for regulatory purposes under existing capital guidelines. New capital guidelines which will affect SVB Financial and the Bank in the future are discussed immediately below under the heading “New Capital Rules.”

SVB Financial is also currently subject to rules that govern the regulatory capital treatment of equity investments in non-financial companies made on or after March 13, 2000 and held under certain specified legal authorities by a bank or bank holding company. Under the rules, these equity investments are subject to a separate capital charge that reduces SVB Financial's Tier 1 capital and, as a result, removes these assets from being taken into consideration in establishing SVB Financial's required capital ratios discussed above.

Banking organizations must have appropriate capital planning processes, with proper oversight from the Board of Directors. Accordingly, pursuant to a separate supervisory letter from the Federal Reserve, bank holding companies are expected to conduct and document comprehensive capital adequacy analyses prior to the declaration of any dividends (on common stock, preferred stock, trust preferred securities or other Tier 1 capital instruments), capital redemptions or capital repurchases. Moreover, the federal banking agencies have adopted a joint agency policy statement, stating that the adequacy and effectiveness of a bank's interest rate risk management process and the level of its interest rate exposures are critical factors in the evaluation of the bank's capital adequacy. A bank with material weaknesses in its interest rate risk management process or high levels of interest rate exposure relative to its capital will be directed by the federal banking agencies to take corrective actions.

New Capital Rules

In July 2013, the FRB, FDIC and OCC published final rules establishing a new comprehensive capital framework for U.S. banking organizations.  The agencies believe that the new rule will result in capital requirements that better reflect banking organizations’ risk profiles.  The rules implement the “Basel III” regulatory capital reforms and changes required by the Dodd-Frank Act. “Basel III” refers to various documents released by the Basel Committee on Banking Supervision.  The new rules become effective for SVB Financial and the Bank in January 2015, with some rules transitioned into full effectiveness over two to four years.  The new capital rules, among other things, introduce a new capital measure called “Common Equity Tier 1” (“CET1”), increased minimum capital adequacy standards as measured by leverage and Tier 1 capital ratios, changed the risk-weightings of certain on- and off-balance sheet assets for purposes of risk-based capital ratios, created an additional capital conservation buffer over the required capital ratios, and limit what qualifies as capital for purposes of meeting the various capital requirements.  In addition, the Bank will be required to demonstrate its ability to survive certain stress tests and remain well-capitalized. Bank holding companies with total consolidated assets between $10 billion and $50 billion and state member banks with total consolidated assets of more than $10 billion, such as SVB Financial Group and the Bank, are now generally required to undergo annual company-run stress tests, the results of which could require us to take certain actions, including raising additional capital. We will be required to make summaries of the results of the company-run stress tests available to the public starting in June 2015.

Under the new capital rules, CET1 is defined as common stock, plus related surplus, and retained earnings plus limited amounts of minority interest in the form of common stock, less the majority of the regulatory deductions.  The new capital rules, like the current capital rules, specify that total capital consists of Tier 1 capital and Tier 2 capital.  Tier 1 capital for SVB Financial and the Bank consists of common stock, plus related surplus and retained earnings.  Tier 2 capital for SVB Financial

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and the Bank currently includes the entire amount of our allowance for loan and lease losses (“ALLL”); however, the includable amount of ALLL could be limited in the future if the ALLL amount exceeds 1.25% of risk-weighted assets. 

The new capital rules require a number of changes to regulatory capital deductions and adjustments, subject to a two-year transition period.  One such change relates to accumulated other comprehensive income.  Under current capital rules, the effects of accumulated other comprehensive income or loss items included in shareholders’ equity are reversed for the purposes of determining regulatory capital ratios.  Under the new capital rules, the effects of certain accumulated other comprehensive items are not excluded; however, non-advanced approaches banking organizations, including SVB Financial and the Bank, may make a one-time permanent election to continue to exclude these items.  Management is considering the merits of this opt-out provision to reduce the impact of market volatility on its regulatory capital levels.

 The new capital rules also include changes in the risk-weighting of assets to better reflect credit risk and other risk exposure and requires higher tangible common equity components of capital.  These include a 150% risk weight (up from 100%) for certain high volatility commercial real estate acquisition, development and construction loans and for non-residential mortgage loans that are 90 days past due or otherwise in nonaccrual status and a 20% (up from 0%) credit conversion factor for the unused portion of a commitment with an original maturity of one year or less that is not unconditionally cancellable (currently set at 0%).    

Under the new capital rules, the minimum capital ratios as of January 1, 2015 will be as follows:

▪ 4.5% CET1 to risk-weighted assets

▪ 6.0% Tier 1 capital to risk-weighted assets

▪ 8.0% Total capital to risk-weighted assets

▪ 4% Tier 1 capital to average consolidated assets as reported on consolidated financial statements (known as the “leverage ratio”)

The new capital rules will require SVB Financial and the Bank to meet a capital conservation buffer requirement in order to avoid constraints on capital distributions, such as dividends and equity repurchases, and certain bonus compensation for executive officers.  To meet the requirement when it is fully phased in, the organization must maintain an amount of CET1 capital that exceeds the buffer level of 2.5% above each of the minimum risk-weighted asset ratios.  The requirement will be phased in over a four year period, starting January 1, 2016, when the amount of such capital must exceed the buffer level of 0.625%.  The buffer level will increase by 0.625% each year until it reaches 2.5% on January 1, 2019.  When the capital conservation buffer requirement is fully phased in, to avoid constraints, a banking organization must maintain the following capital ratios: (1) CET1 to risk-weighted assets more than 7.0%, (ii) Tier 1 capital to risk-weighted assets more than 8.5%, and (iii) total capital (Tier 1 plus Tier 2) to risk-weighted assets more than 10.5%.

With respect to the Bank, the new capital rules also revise the “prompt corrective action” regulations effective January 1, 2015, by (i) introducing a CET1 ratio requirement at each level (other than critically undercapitalized), with the required CET1 ratio being 6.5% for well-capitalized status; (ii) increasing the minimum Tier 1 capital ratio requirement for each category, with the minimum Tier 1 capital ratio for well-capitalized status being 8% (as compared to the current 6%); and (iii) eliminating the current provision that provides that a bank with a composite supervisory rating of 1 may have a 3% leverage ratio and still be adequately capitalized.  The new capital rules do not change the total risk-based capital requirement for any “prompt corrective action” category.    See “Prompt Corrective Action and Other General Enforcement Authority” below.

Although we continue to evaluate the impact that the new capital rules will have on SVB Financial and the Bank, we currently anticipate the Bank will remain well-capitalized under the new capital rules, and that SVB Financial and the Bank will meet the capital conservation buffer requirement.

Proprietary Trading and Certain Relationships with Hedge Funds and Private Equity Funds

The “Volcker Rule” under the Dodd-Frank Act restricts, among other things, a bank's proprietary trading activities and a bank's ability to sponsor or invest in certain funds, including hedge or private equity funds. On December 10, 2013, the federal banking regulatory agencies adopted final rules Implementing the Volcker Rule. The final rules will become effective on April 1, 2014, and include a schedule for affected entities to bring their activities and investments into conformance with the prohibitions and restrictions of the Volcker Rule.

Subject to certain exceptions, the Volcker Rule prohibits a banking entity from engaging in “proprietary trading,” which is defined as engaging as principal for the “trading account” of the banking entity in securities or other instruments. Certain forms of proprietary trading may qualify as “permitted activities,” and thus not be subject to the ban on proprietary trading, such as trading in U.S. government or agency obligations, or certain other U.S. state or municipal obligations, and the obligations of Fannie Mae, Freddie Mac or Ginnie Mae. Based on this definition and the exceptions provided under the recently-issued regulations, we do not believe that we engage in any proprietary trading that would be prohibited under the Volcker Rule.

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Additionally, subject to certain exceptions, the rule prohibits a banking entity from sponsoring or investing in “covered funds,” which includes private equity or hedge funds.  One such exception permits a banking entity to sponsor and invest in a covered fund that it organizes on behalf of its customers, provided that additional requirements are met.  These investments, along with investments in covered funds that are not sponsored by the banking entity, are limited to three percent of each covered fund and in no case may the aggregate investments of a banking entity in all such funds comprise more than three percent of the institution's Tier 1 capital.

Under the final rules, the Volcker Rule prohibitions and restrictions will apply to SVB Financial, the Bank and any affiliate of SVB Financial or the Bank (including the SVB Capital funds).  SVB Financial maintains investments in certain venture capital and private equity funds that it did not organize; maintains investments in funds that exceed three percent of each such fund’s total commitments; and its aggregate investments in covered funds may exceed three percent of its Tier 1 capital.  SVB Financial (including its affiliates) expects, therefore, that it will be required to reduce the level of its investments in covered funds and to forego investment opportunities in certain funds in the future.  SVB Financial is generally required by the final rules to come into conformance with all these requirements by July 2015.  The time period to divest an investment that is not permitted by the final rule may be extended by the Federal Reserve Board, on a case-by-case basis, for up to two one-year extensions, and up to one additional five-year extension for investments that are considered illiquid.  We intend to seek the maximum extensions (up to July 2022) available to us.  However, there is no guaranty that the Federal Reserve Board will grant any of these extensions.

We currently estimate that our total venture capital and private equity fund investments deemed to be prohibited covered fund interests and therefore subject to the Volcker Rule restrictions, have, as of December 31, 2013, an aggregate carrying value of approximately $282 million (and an aggregate fair value of $348 million). These covered fund interests are comprised of interests attributable, solely, to the Company in our consolidated managed funds and certain of our non-marketable securities.

We continue to assess the financial impact of these rules on our fund investments, as well as the impact of other Volcker restrictions on other areas of our business. (See “Risk Factors” under Item 1A of Part I above.)

Prompt Corrective Action and Other General Enforcement Authority

State and federal banking agencies possess broad powers to take corrective and other supervisory action against an insured bank and its holding company. Federal laws require each federal banking agency to take prompt corrective action to resolve the problems of insured banks.

Each federal banking agency has issued regulations defining five categories in which an insured depository institution will be placed, based on the level of its capital ratios: well-capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized. At each successive lower capital category, an insured bank is subject to more restrictions, including restrictions on the bank's activities, operational practices or the ability to pay dividends. Based upon its capital levels, a bank that is classified as well-capitalized, adequately capitalized, or undercapitalized may be treated as though it were in the next lower capital category if the appropriate federal banking agency, after notice and opportunity for hearing, determines that an unsafe or unsound condition, or an unsafe or unsound practice, warrants such treatment.

In addition to measures taken under the prompt corrective action provisions, bank holding companies and insured banks may be subject to potential enforcement actions by the federal regulators for unsafe or unsound practices in conducting their business, or for violation of any law, rule, regulation, condition imposed in writing by the agency or term of a written agreement with the agency. In more serious cases, enforcement actions may include the appointment of a conservator or receiver for the bank; the issuance of a cease and desist order that can be judicially enforced; the termination of the bank's deposit insurance; the imposition of civil monetary penalties; the issuance of directives to increase capital; the issuance of formal and informal agreements; the issuance of removal and prohibition orders against officers, directors, and other institution-affiliated parties; and the enforcement of such actions through injunctions or restraining orders based upon a judicial determination that the agency would be harmed if such equitable relief was not granted.

The FDIC may terminate a depository institution's deposit insurance upon a finding that the institution's financial condition is unsafe or unsound or that the institution has engaged in unsafe or unsound practices that pose a risk to the DIF or that may prejudice the interest of a bank's depositors. The termination of deposit insurance for a bank would also result in the revocation of the Bank's charter by the DBO.

Safety and Soundness Guidelines

Banking regulatory agencies have adopted guidelines to assist in identifying and addressing potential safety and soundness concerns before capital becomes impaired. The guidelines establish operational and managerial standards generally relating to: (1) internal controls, information systems, and internal audit systems; (2) loan documentation; (3) credit underwriting; (4) interest-rate exposure; (5) asset growth and asset quality; and (6) compensation, fees and benefits. In addition, the banking regulatory agencies have adopted safety and soundness guidelines for asset quality and for evaluating and monitoring earnings to ensure that earnings are sufficient for the maintenance of adequate capital and reserves.

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Restrictions on Dividends

Dividends from the Bank constitute one of the primary sources of cash for SVB Financial. The Bank is subject to various federal and state statutory and regulatory restrictions on its ability to pay dividends, including applicable provisions of the California Financial Code and the prompt corrective action regulations. In addition, the banking agencies have the authority to prohibit the Bank from paying dividends, depending upon the Bank's financial condition, if such payment is deemed to constitute an unsafe or unsound practice. Furthermore, under the federal prompt corrective action regulations, the Federal Reserve Board may prohibit a bank holding company from paying any dividends if the holding company's bank subsidiary is classified as “undercapitalized.”

It is the Federal Reserve's policy that bank holding companies should generally pay dividends on common stock only out of income available over the past year, and only if prospective earnings retention is consistent with the organization's expected future needs and financial condition. It is also the Federal Reserve's policy that bank holding companies should not maintain dividend levels that undermine their ability to be a source of strength to its banking subsidiaries. Additionally, in consideration of the current financial and economic environment, the Federal Reserve has indicated that bank holding companies should carefully review their dividend policy and has discouraged payment ratios that are at maximum allowable levels unless both asset quality and capital are very strong.

Transactions with Affiliates

Transactions between the Bank and its operating subsidiaries (such as SVB Securities and SVB Asset Management) on the one hand, and the Bank's affiliates (such as SVB Financial, SVB Analytics, or an entity affiliated with SVB Capital) on the other, are subject to restrictions imposed by federal and state law, designed to protect the Bank and its subsidiaries from engaging in unfavorable behavior with their affiliates. The Dodd-Frank Act further extended the definition of an “affiliate” to include any investment fund to which the Bank or an affiliate serves as an investment adviser. More specifically, these restrictions, contained in the Federal Reserve's Regulation W, prevent SVB Financial and other affiliates from borrowing from, or entering into other credit transactions with, the Bank or its operating subsidiaries unless the loans or other credit transactions are secured by specified amounts of collateral. All loans and credit transactions and other “covered transactions” by the Bank and its operating subsidiaries with any one affiliate are limited, in the aggregate, to 10% of the Bank's capital and surplus; and all loans and credit transactions and other “covered transactions” by the Bank and its operating subsidiaries with all affiliates are limited, in the aggregate, to 20% of the Bank's capital and surplus. For this purpose, a “covered transaction” generally includes, among other things, a loan or extension of credit to an affiliate, including a purchase of assets subject to an agreement to repurchase; a purchase of or investment in securities issued by an affiliate; the acceptance of a security issued by an affiliate as collateral for an extension of credit to any borrower; the borrowing or lending of securities where the Bank has credit exposure to the affiliate; the acceptance of “other debt obligations” of an affiliate as collateral for a loan to a third party; any derivative transaction that causes the Bank to have credit exposure to an affiliate; and the issuance of a guarantee, acceptance, or letter of credit on behalf of an affiliate. After a transition period, the Dodd-Frank Act treats credit exposure from derivative transactions as a covered transaction. It expands the transactions for which collateral is required to be maintained, and for all such transactions, it requires collateral to be maintained at all times. In addition, the Volcker Rule under the Dodd-Frank Act establishes certain restrictions and requirements (known as “Super 23A” and “Super 23B”) on transactions between a covered fund and a banking entity that serves as an investment manager, investment adviser, organizer and offeror, or sponsor with respect to that covered fund, regardless whether the banking entity has an ownership interest in the fund.

Loans to Insiders

Extensions of credit by the Bank to insiders of both the Bank and SVB Financial are subject to prohibitions and other restrictions imposed by the Federal Reserve's Regulation O. For purposes of these limits, “insiders” include directors, executive officers and principal stockholders of the Bank or SVB Financial and their related interests. The term “related interest” means a company controlled by a director, executive officer or principal stockholder of the Bank or SVB Financial. The Bank may not extend credit to an insider of the Bank or SVB Financial unless the loan is made on substantially the same terms as, and subject to credit underwriting procedures that are no less stringent than, those prevailing at the time for comparable transactions with non-insiders. Under federal banking regulations, the Bank may not extend credit to insiders in an amount, when aggregated with all other extensions of credit, is greater than $500,000 without prior approval from the Bank’s Board of Directors approval (with any interested person abstaining from participating directly or indirectly in the voting). California law, the federal regulations and the Dodd-Frank Act place additional restrictions on loans to insiders, and generally prohibit loans to executive officers other than for certain specified purposes. The Bank is required to maintain records regarding insiders and extensions of credit to them.

Premiums for Deposit Insurance

The FDIC insures our customer deposits through the DIF up to prescribed limits for each depositor. In recent years, due to higher levels of bank failures, the FDIC's resolution costs increased, which depleted the DIF. In order to restore the DIF to its

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statutorily mandated minimum of 1.35% of total deposits, the FDIC has increased deposit insurance premium rates. The FDIC must seek to achieve the 1.35% ratio by September 30, 2020. Insured institutions with assets of $10 billion or more, such as the Bank, are responsible for funding the increase. The Bank bases its assessment rate on a risk-based scorecard calculation provided by the FDIC. In addition, the FDIC retains the authority to further increase the Bank’s assessment rates and the FDIC has established a higher reserve ratio of 2% as a long-term goal which goes beyond what is required by statute. Continued increases in our FDIC insurance premiums could have an adverse effect on the Bank’s results of operations. In 2013, we paid $12.8 million in assessments to the FDIC.

Other Regulations

The Bank is subject to many federal consumer protection statutes and regulations, such as the CRA, the Equal Credit Opportunity Act, the Truth in Lending Act, the Foreign Account Tax Compliance Act, the National Flood Insurance Act, the Fair Credit Reporting Act, as amended by the Fair and Accurate Credit Transaction Act and various federal and state privacy protection laws. In addition, the CFPB has the authority to conduct examinations for all depository institutions with total assets of $10 billion, which includes the Bank. The CFPB’s mandate is to ensure that consumer financial practices at large banks, such as the Bank, confirm with consumer financial protection legal requirements. The CFPB’s authority includes the ability to examine all subsidiaries and affiliates of the Bank as well.Penalties for violating these laws could subject the Bank to lawsuits and could also result in administrative penalties, including, fines and reimbursements and orders to halt expansion/existing activities. The CFPB has broad authority to institute various enforcement actions, including investigations, civil actions, cease and desist proceedings and the ability to refer criminal findings to the Department of Justice. The Bank and SVB Financial are also subject to federal and state laws prohibiting unfair, corrupt or fraudulent business practices, untrue or misleading advertising and unfair competition.

Regulations have also significantly expanded the anti-money laundering and financial transparency laws, including the Bank Secrecy Act. Material deficiencies in anti-money laundering compliance can result in public enforcement actions by the banking agencies, including the imposition of civil money penalties and supervisory restrictions on growth and expansion. Such enforcement actions could also have serious reputation consequences for SVB Financial and the Bank.

In recent years, examination and enforcement by the state and federal banking agencies for non-compliance with consumer protection laws and their implementing regulations have increased and become more intense. The advent of the CFPB further heightens oversight and review of compliance with consumer protection laws and regulations. Due to these heightened regulatory concerns and new powers and authority of the CFPB, the Bank and its affiliates may incur additional compliance costs or be required to expend additional funds for investments in their local community.

Regulation of Certain Subsidiaries

SVB Asset Management is registered with the SEC under the Investment Advisers Act of 1940, as amended, and is subject to its rules and regulations. SVB Securities is registered as a broker-dealer with the SEC and is subject to regulation by the SEC and FINRA. SVB Securities is also a member of the Securities Investor Protection Corporation. As a broker-dealer, it is subject to Rule 15c3-1 under the Securities Exchange Act of 1934, as amended, which is designed to measure the general financial condition and liquidity of a broker-dealer. Under this rule, SVB Securities is required to maintain the minimum net capital deemed necessary to meet its continuing commitments to customers and others. Under certain circumstances, this rule could limit the ability of the Bank to withdraw capital from SVB Securities. In addition, following completion ofvarious studies on investment advisers and broker-dealers required by the Dodd-Frank Act, the SEC has, among other things, recommended to Congress that it consider various means to enhance the SEC's examination authority over investment advisers, which may have an impact on SVB Asset Management that we cannot currently assess.

International Regulation

Our international-based subsidiaries and global activities, including our banking branch in the United Kingdom, our joint venture bank in China and our non-bank financial company in India, are subject to the respective laws and regulations of those countries and the regions in which they operate. This includes laws and regulations promulgated by, but not limited to, the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, the China Banking Regulatory Commission, the Hong Kong Monetary Authority and the Reserve Bank of India.

Available Information

We make available free of charge through our Internet website, http://www.svb.com, our annual report on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and amendments to those reports filed or furnished pursuant to Section 13(a) or 15(d) of the Exchange Act, as soon as reasonably practicable after such material is electronically filed with or furnished to the SEC. The contents of our website are not incorporated herein by reference and the website address provided is intended to be an inactive textual reference only.

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ITEM 1A. RISK FACTORS

Our business faces significant risks, including credit, market/liquidity, operational, legal/regulatory and strategic/reputation risks. The factors described below may not be the only risks we face and are not intended to serve as a comprehensive listing or be applicable only to the category of risk under which they are disclosed. The risks described below are generally applicable to more than one of the following categories of risks. Additional risks that we do not yet know of or that we currently think are immaterial may also impair our business operations. If any of the events or circumstances described in the following factors actually occurs, our business, financial condition and/or results of operations could be materially and adversely affected.

Credit Risks

Because of the credit profile of our loan portfolio, our levels of nonperforming assets and charge-offs can be volatile. We may need to make material provisions for loan losses in any period, which could reduce net income and/or increase net losses in that period.

Our loan portfolio has a credit profile different from that of most other banking companies. The credit profile of our clients varies across our loan portfolio, based on the nature of the lending we do for different market segments. In our portfolios for emerging, early-stage and mid-stage companies, many of our loans are made to companies with modest or negative cash flows and/or no established record of profitable operations. Repayment of these loans may be dependent upon receipt by borrowers of additional equity financing from venture capitalists or others, or in some cases, a successful sale to a third party, public offering or other form of liquidity event. Over the past years, overall economic conditions have improved, particularly since the financial crisis of 2008. Venture capital financing activity, as well as M&As and IPOs - activities on which venture capital firms rely to “exit” investments to realize returns --- have increased to healthier levels. If current economic conditions weaken or do not continue to improve, such activities may slow down in a meaningful manner, which may impact the financial health of our client companies. In such case, venture capital firms may provide financing in a more selective manner, at lower levels, and/or on less favorable terms, any of which may have an adverse effect on our borrowers that are otherwise dependent on such financing to repay their loans to us. Moreover, collateral for many of our loans often includes intellectual property, which is difficult to value and may not be readily salable in the case of default. Because of the intense competition and rapid technological change that characterizes the companies in the technology and life science industry sectors, a borrower's financial position can deteriorate rapidly.

Some of our loans to our Corporate Finance and other larger clients may be made to companies with greater levels of debt relative to their equity. We have been continuing to increase our efforts to lend to larger corporate and private equity clients, as well as to underwrite larger loans. These larger loans include loans equal to or greater than $20 million to a single client, which has over time represented, and continues to represent, an increasingly larger proportion of our total loan portfolio. Additionally, in recent periods, we have increased our efforts to make sponsor-led buyout loans, which are leveraged buyout or recapitalization financings that are typically sponsored by our private equity clients. These buyout loans tend to be larger in size, many of which individually are greater than $20 million. Increasing our loan commitments, especially larger loans, could increase the impact on us of any single borrower default.

We may also enter into financing arrangements with our clients, the repayment of which may be dependent on third parties' financial condition or ability to meet their payment obligations.  For example, we enter into factoring arrangements which are secured by our clients' accounts receivable from third parties with whom they do business. Or, we make loans secured by letters of credit issued by other third party banks, or we enter into letters of credit discounting arrangements, the repayment of which may be dependent on the reimbursement by third party banks. These third parties may not meet their financial obligations to our clients or to us, which could have an adverse impact on us.

In our portfolio of venture capital and private equity firm clients, many of our clients have lines of credit, the repayment of which is dependent on the payment of capital calls or management fees by the underlying limited partner investors in the funds managed by these firms. In recent periods, we have increased our efforts to make these capital call lines of credit. These limited partner investors may face liquidity issues or have difficulties meeting their financial commitments, especially during unstable economic times, which may lead to our clients' inability to meet their repayment obligations to us.

We also lend primarily to venture capital/private equity professionals through our Private Bank. These individual clients may face difficulties meeting their financial commitments, especially during a challenging economic environment, and may be unable to repay their loans. We also lend to premium wineries and vineyards through our wine practice. Repayment of loans made to these clients may be dependent on overall wine demand and sales, or other sources of financing or income (which may be adversely affected by a challenging economic environment), and overall grape supply (which may be adversely affected by poor weather, drought, or other natural conditions). In January 2014, Governor Jerry Brown declared a drought emergency for the state of California due to extreme low levels of rainfall. Most of our clients’ wineries and vineyards are based in California. The drought and any restrictions on water usage may have a material adverse affect on our borrowing clients and their ability to repay their loans.

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See “Loans” under “Management's Discussion and Analysis of Financial Condition and Results of Operations --- Consolidated Financial Condition” under Item 7 of Part II of this report.

Based on the credit profile of our overall loan portfolio, our level of nonperforming loans, loan charge-offs and allowance for loan losses can be volatile and can vary materially from period to period. Increases in our level of nonperforming loans or loan charge-offs may require us to increase our provision for loan losses in any period, which could reduce our net income or cause net losses in that period. Additionally, such increases in our level of nonperforming loans or loan charge-offs may also have an adverse effect on our capital ratios, credit ratings and market perceptions of us.

Our allowance for loan losses is determined based upon both objective and subjective factors, and may not be adequate to absorb loan losses.

As a lender, we face the risk that our client borrowers will fail to pay their loans when due. If borrower defaults cause large aggregate losses, it could have a material adverse effect on our business, results of operations and financial condition. We reserve for such losses by establishing an allowance for loan losses, the increase of which results in a charge to our earnings as a provision for loan losses. We have established an evaluation process designed to determine the adequacy of our allowance for loan losses. While this evaluation process uses historical and other objective information, the classification of loans and the forecasts and establishment of loan losses are also dependent on our subjective assessment based upon our experience and judgment. Actual losses are difficult to forecast, especially if such losses stem from factors beyond our historical experience or are otherwise inconsistent or out of pattern with regards to our credit quality assessments. There can be no assurance that our allowance for loan losses will be sufficient to absorb future loan losses or prevent a material adverse effect on our business, financial condition and results of operations.

The borrowing needs of our clients may be unpredictable, especially during a challenging economic environment. We may not be able to meet our unfunded credit commitments, or adequately reserve for losses associated with our unfunded credit commitments, which could have a material adverse effect on our business, financial condition, results of operations and reputation.

A commitment to extend credit is a formal agreement to lend funds to a client as long as there is no violation of any condition established under the agreement. The actual borrowing needs of our clients under these credit commitments have historically been lower than the contractual amount of the commitments. A significant portion of these commitments expire without being drawn upon. Because of the credit profile of our clients, we typically have a substantial amount of total unfunded credit commitments, which is reflected off our balance sheet. See Note 17 – “Off-Balance Sheet Arrangements, Guarantees and Other Commitments” of the “Notes to Consolidated Financial Statements” under Part II, Item 8 of this report for additional details. Actual borrowing needs of our clients may exceed our expected funding requirements, especially during a challenging economic environment when our client companies may be more dependent on our credit commitments due to the lack of available credit elsewhere, the increasing costs of credit, or the limited availability of financings from more discerning and selective venture capital/private equity firms. In addition, limited partner investors of our venture capital/private equity fund clients may fail to meet their underlying investment commitments due to liquidity or other financing issues, which may impact our clients' borrowing needs. Any failure to meet our unfunded credit commitments in accordance with the actual borrowing needs of our clients may have a material adverse effect on our business, financial condition, results of operations and reputation.

Additionally, we establish a reserve for losses associated with our unfunded credit commitments. The level of the reserve for unfunded credit commitments is determined by following a methodology similar to that used to establish our allowance for loan losses in our funded loan portfolio. The reserve is based on credit commitments outstanding, credit quality of the loan commitments, and management's estimates and judgment, and is susceptible to significant changes. There can be no assurance that our reserve for unfunded credit commitments will be adequate to provide for actual losses associated with our unfunded credit commitments. An increase in the reserve for unfunded credit commitments in any period may result in a charge to our earnings, which could reduce our net income or increase net losses in that period.

Market/Liquidity Risks

Our current level of interest rate spread may decline in the future. Any material reduction in our interest rate spread, or a sustained period of low market interest rates, could have a material adverse effect on our business, results of operations or financial condition.

A major portion of our net income comes from our interest rate spread, which is the difference between the interest rates paid by us on amounts used to fund assets and the interest rates and fees we receive on our interest-earning assets. We fund assets using deposits and other borrowings. While we offer interest-bearing deposit products, a majority of our deposit balances are from our noninterest bearing products. Our interest-earning assets include loans extended to our clients, securities held in our investment portfolio, and excess cash held to manage short-term liquidity. Overall, the interest rates we pay on our interest-bearing liabilities and receive on our interest-earning assets, and our level of interest rate spread, could be affected by a variety

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of factors, including changes in market interest rates, competition, regulatory requirements, and a change over time in the mix of the types of loans, investment securities, deposits and other liabilities on our balance sheet.

Changes in key variable market interest rates, such as the Federal Funds, Prime, LIBOR or Treasury rates, generally impact our interest rate spread. While changes in interest rates do not produce equivalent changes in the revenues earned from our interest-earning assets and the expenses associated with our interest-bearing liabilities, increases in market interest rates will nevertheless likely cause our interest rate spread to increase. Conversely, if interest rates decline, our interest rate spread will likely decline. Sustained low levels of market interest rates, as we have been experiencing, could continue to place downward pressure on our net income levels. Unexpected or further interest rate changes may adversely affect our business forecasts and expectations. Interest rates are highly sensitive to many factors beyond our control, such as inflation, recession, global economic disruptions, unemployment and the fiscal and monetary policies of the federal government and its agencies.

Any material reduction in our interest rate spread or the continuation of sustained low levels of market interest rates could have a material adverse effect on our business, results of operations and financial condition.

Liquidity risk could impair our ability to fund operations and jeopardize our financial condition.

Liquidity is essential to our business, both at the SVB Financial and the Bank level. We require sufficient liquidity to meet our expected financial obligations, as well as unexpected requirements stemming from client activity and market changes. Primary liquidity resources for SVB Financial include cash flow from investments and interest in financial assets held by operating subsidiaries other than the Bank; to the extent declared, dividends from the Bank, its main operating subsidiary; and as needed, periodic capital market transactions offering debt and equity instruments in the public and private markets. Client deposits are the primary source of liquidity for the Bank. When needed, wholesale borrowing capacity supplements our liquidity in the form of short- and long-term borrowings secured by our portfolio of high quality investment securities, long-term capital market debt issuances and, finally, through unsecured overnight funding channels available to us in the Fed Funds market. An inability to maintain or raise funds through these sources could have a substantial negative effect, individually or collectively, on SVB Financial and the Bank's liquidity. Our access to funding sources in amounts adequate to finance our activities, or on terms attractive to us, could be impaired by factors that affect us specifically or the financial services industry in general. Factors that could detrimentally impact our access to liquidity sources include an increase in costs of capital in financial capital markets, a decrease in the level of our business activity due to a market downturn or adverse regulatory action against us, or a decrease in depositor or investor confidence in us. Our ability to borrow could also be impaired by factors that are not specific to us, such as a severe volatility or disruption of the financial markets or negative views and expectations about the prospects for the financial services industry as a whole. Any failure to manage our liquidity effectively could have a material adverse effect on our financial condition.

Additionally, our credit ratings are important to our liquidity and our business. A reduction in our credit ratings could adversely affect our liquidity and competitive position, increase our borrowing costs, and limit our access to the capital markets. Moreover, a reduction in our credit ratings could increase the interest rates we pay on deposits, or adversely affect perceptions about our creditworthiness and business, or our overall reputation. Any damage to our reputation can also have an adverse affect on our liquidity and our business.

Equity warrant assets, venture capital and private equity funds and direct equity investment portfolio gains or losses depend upon the performance of the portfolio investments and the general condition of the public and private equity and M&A markets, which are uncertain and may vary materially by period.

In connection with negotiated credit facilities and certain other services, we often obtain equity warrant assets giving us the right to acquire stock in private, venture-backed companies in the technology and life science industries. We have also made investments through SVB Financial or our SVB Capital family of funds primarily in venture capital funds and direct investments in companies, many of which are required to be carried at fair value. The fair value of these warrants and investments are reflected in our financial statements and are adjusted on a quarterly basis. Fair value changes are generally recorded as unrealized gains or losses through consolidated net income. The timing and amount of changes in fair value, if any, of these financial instruments depend upon factors beyond our control, including the performance of the underlying companies, fluctuations in the market prices of the preferred or common stock of the underlying companies, the timing of our receipt of relevant financial information, general volatility and interest rate market factors, and legal and contractual restrictions. The timing and amount of our realization of actual net proceeds, if any, from our disposition of these financial instruments depend upon various factors, some of which are beyond our control. Those factors include the level of IPO and M&A activity (or other “exit” activity), legal and contractual restrictions on our ability to sell equity positions held (including the expiration of any “lock-up” agreements), the perceived and actual performance and future value of the underlying portfolio companies, the current valuation of the financial instruments, the timing of any actual dispositions, and overall market conditions. Because of the inherent variability of these financial instruments and the markets in which they are bought and sold, the fair market value of these financial instruments might increase or decrease materially, and the net proceeds realized upon disposition might be different than the then-current recorded fair market value.

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We cannot predict future realized or unrealized gains or losses, and any such gains or losses are likely to vary materially from period to period. Additionally, the value of our equity warrant asset portfolio depends on, among other things, the underlying value of the issuing companies, which may also vary materially from period to period. See Note 12 – “Derivative Financial Instruments" of the “Notes to Consolidated Financial Statements” under Part II, Item 8 of this report for additional details.

Public equity offerings and mergers and acquisitions involving our clients or a slowdown in venture capital investment levels may reduce the borrowing needs of our clients, which could adversely affect our business, results of operations and financial condition.

While an active market for public equity offerings and mergers and acquisitions generally has positive implications for our business, one negative consequence is that our clients may pay off or reduce their loans with us if they complete a public equity offering, are acquired by or merge with another entity or otherwise receive a significant equity investment. Moreover, our capital call lines of credit are typically utilized by our venture capital/private equity fund clients to make investments prior to receipt of capital called from their respective limited partners. A slowdown in overall venture capital investment levels may reduce the need for our clients to borrow from our capital call lines of credit. Any significant reduction in the outstanding amounts of our loans or under our lines of credit could have a material adverse effect on our business, results of operations and financial condition.

Operational Risks

If we fail to retain our key employees or recruit new employees, our growth and results of operations could be adversely affected.

We rely on key personnel, including a substantial number of employees who have technical expertise in their subject matter area and/or a strong network of relationships with individuals and institutions in the markets we serve. In addition, as we expand in international markets, we will need to hire local personnel within those markets. If we were to have less success in recruiting and retaining these employees than our competitors, for reasons including domestic or foreign regulatory restrictions on compensation practices or the availability of more attractive opportunities elsewhere, our growth and results of operations could be adversely affected.

Moreover, equity awards are an important component of our compensation program, especially for our executive officers and other members of senior management. The extent of available equity for such awards is subject to stockholder approval. If we do not have sufficient shares to grant to existing or new employees, there could be an adverse effect on our recruiting and retention efforts, which could impact our growth and results of operations.

The occurrence of fraudulent activity, breaches of our information security or cybersecurity-related incidents could have a material adverse effect on our business, financial condition and results of operations.

As a financial institution, we are susceptible to fraudulent activity, information security breaches and cybersecurity-related incidents that may be committed against us or our clients, which may result in financial losses or increased costs to us or our clients, disclosure or misuse of our information or our client information, misappropriation of assets, privacy breaches against our clients, litigation, or damage to our reputation. Such fraudulent activity may take many forms, including check fraud, electronic fraud, wire fraud, phishing, social engineering and other dishonest acts. Information security breaches and cybersecurity-related incidents may include fraudulent or unauthorized access to systems used by us or our clients, denial or degradation of service attacks, and malware or other cyber-attacks. In recent periods, there continues to be a rise in electronic fraudulent activity, security breaches and cyber-attacks within the financial services industry, especially in the commercial banking sector due to cyber criminals targeting commercial bank accounts. Consistent with industry trends, we have also experienced an increase in attempted electronic fraudulent activity, security breaches and cybersecurity-related incidents in recent periods. Moreover, in recent months, several large corporations, including retail companies, have suffered major data breaches, where in some cases, exposing sensitive financial and other personal information of their customers and subjecting them to potential fraudulent activity. Some of our clients may have been affected by these breaches, which increase their risks of identity theft, credit card fraud and other fraudulent activity that could involve their accounts with us.

Information pertaining to us and our clients is maintained, and transactions are executed, on the networks and systems of us, our clients and certain of our third party partners, such as our online banking or reporting systems. The secure maintenance and transmission of confidential information, as well as execution of transactions over these systems, are essential to protect us and our clients against fraud and security breaches and to maintain our clients' confidence. Increases in criminal activity levels and sophistication, advances in computer capabilities, new discoveries, vulnerabilities in third-party technologies (including browsers and operating systems) or other developments could result in a compromise or breach of the technology, processes and controls that we use to prevent fraudulent transactions and to protect data about us, our clients and underlying transactions, as well as the technology used by our clients to access our systems. Although we have developed, and continue to invest in, systems and processes that are designed to detect and prevent security breaches and cyber-attacks and periodically test our

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security, our inability to anticipate, or failure to adequately mitigate, breaches of security could result in: losses to us or our clients; our loss of business and/or clients; damage to our reputation; the incurrence of additional expenses; disruption to our business; our inability to grow our online services or other businesses; additional regulatory scrutiny or penalties; or our exposure to civil litigation and possible financial liability ---- any of which could have a material adverse effect on our business, financial condition and results of operations.

More generally, publicized information concerning security and cyber-related problems could inhibit the use or growth of electronic or web-based applications or solutions as a means of conducting commercial transactions. Such publicity may also cause damage to our reputation as a financial institution. As a result, our business, financial condition and results of operations could be adversely affected.

We face risks associated with the ability of our information technology systems and our people and processes to support our operations and future growth effectively.

In order to serve our target clients effectively, we have developed, and are continually developing, a comprehensive array of banking and other products and services. In order to support these products and services and for the Company to operate effectively, we have developed, purchased and licensed information technology and other systems and processes. As our business continues to grow, we will continue to invest in and enhance these systems, and our people and processes. These investments and enhancements may affect our future profitability and overall effectiveness. From time to time, we may change, consolidate, replace, add or upgrade existing systems or processes, which if not implemented properly to allow for an effective transition, may have an adverse effect on our operations, including business interruptions which may result in inefficiencies, revenue losses, client losses, exposure to fraudulent activities, regulatory enforcement actions, or damage to our reputation. For example, we are in the process of enhancing our core banking system, as well as implementing and enhancing other systems to support specific business units, including our international operations. We also outsource certain operational and other functions to consultants or other third parties to enhance our overall efficiencies. If we do not implement our systems effectively or if our outsourcing business partners do not perform their functions properly, there could be an adverse effect on us. There can be no assurance that we will be able to effectively maintain or improve our systems and processes, or utilize outsourced talent, to meet our business needs efficiently. Any failure of such could adversely affect our operations, financial condition, results of operations, future growth and reputation.

Business disruptions and interruptions due to natural disasters and other external events beyond our control can adversely affect our business, financial condition and results of operations.

Our operations can be subject to natural disasters and other external events beyond our control, such as earthquakes, fires, severe weather, public health issues, power failures, telecommunication loss, major accidents, terrorist attacks, acts of war, and other natural and man-made events. Our corporate headquarters and a portion of our critical business offices are located in California near major earthquake faults. Such events of disaster, whether natural or attributable to human beings, could cause severe destruction, disruption or interruption to our operations or property. Financial institutions, such as us, generally must resume operations promptly following any interruption. If we were to suffer a disruption or interruption and were not able to resume normal operations within a period consistent with industry standards, our business could suffer serious harm. In addition, depending on the nature and duration of the disruption or interruption, we might be vulnerable to fraud, additional expense or other losses, or to a loss of business and/or clients. We have implemented a business continuity management program and we continue to enhance it on an ongoing basis. There is no assurance that our business continuity management program can adequately mitigate the risks of such business disruptions and interruptions.

Additionally, natural disasters and external events could affect the business and operations of our clients, which could impair their ability to pay their loans or fees when due, impair the value of collateral securing their loans, cause our clients to reduce their deposits with us, or otherwise adversely affect their business dealings with us, any of which could have a material adverse effect on our business, financial condition and results of operations.

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We face reputation and business risks due to our interactions with business partners, service providers and other third parties.

We rely on third parties, both in the United States and internationally in countries such as India, Hong Kong, China, Israel, and the United Kingdom, in a variety of ways, including to provide key components of our business infrastructure or to further our business objectives. These third parties may provide services to us and our clients or serve as partners in business activities. We rely on these third parties to fulfill their obligations to us, to accurately inform us of relevant information and to conduct their activities professionally and in a manner that reflects positively on us. Any failure of our business partners, service providers or other third parties to meet their commitments to us or to perform in accordance with our expectations could result in operational issues, increased expenditures, damage to our reputation or loss of clients, which could harm our business and operations, financial performance, strategic growth or reputation.

The soundness of other financial institutions could adversely affect us.

Financial services institutions are interrelated as a result of trading, clearing, counterparty, or other relationships. We routinely execute transactions with counterparties in the financial services industry, including brokers and dealers, commercial banks, investment banks, payment processors, and other institutional clients, which may result in payment obligations to us or to our clients due to products arranged by us. Many of these transactions expose us to credit and market risk that may cause our counterparty or client to default. In addition, we are exposed to market risk when the collateral we hold cannot be realized or is liquidated at prices not sufficient to recover the full amount of the secured obligation. There is no assurance that any such losses would not materially and adversely affect our business, results of operations and financial condition.

We depend on the accuracy and completeness of information about customers and counterparties.

In deciding whether to extend credit or enter into other transactions with customers and counterparties, we may rely on information furnished to us by or on behalf of customers and counterparties, including financial statements and other financial information. We also may rely on representations of customers and counterparties as to the accuracy and completeness of that information and, with respect to financial statements, on reports of independent auditors. For example, under our accounts receivable financing arrangements, we rely on information, such as invoices, contracts and other supporting documentation, provided by our clients and their account debtors to determine the amount of credit to extend. Similarly, in deciding whether to extend credit, we may rely upon our customers' representations that their financial statements conform to U.S. GAAP (or other applicable accounting standards in foreign markets) and present fairly, in all material respects, the financial condition, results of operations and cash flows of the customer. We also may rely on customer representations and certifications, or other audit or accountants' reports, with respect to the business and financial condition of our clients. Our financial condition, results of operations, financial reporting and reputation could be negatively affected if we rely on materially misleading, false, inaccurate or fraudulent information.

Our accounting policies and methods are key to how we report our financial condition and results of operations. They require management to make judgments and estimates about matters that are uncertain.

Our accounting policies and methods are fundamental to how we record and report our financial condition and results of operations. Our management must exercise judgment in selecting and applying many of these accounting policies and methods so they comply with U.S. GAAP and reflect management's judgment of the most appropriate manner to report our financial condition and results. In some cases, management must select the accounting policy or method to apply from two or more alternatives, any of which might be reasonable under the circumstances yet might result in our reporting materially different amounts than would have been reported under a different alternative.

If we fail to maintain an effective system of internal control over financial reporting, we may not be able to accurately report our financial results. As a result, current and potential stockholders could lose confidence in our financial reporting, which would harm our business and the trading price of our securities.

If we identify material weaknesses in our internal control over financial reporting or are otherwise required to restate our financial statements, we could be required to implement expensive and time-consuming remedial measures and could lose investor confidence in the accuracy and completeness of our financial reports. We may also face regulatory enforcement or other actions, including the potential delisting of our securities from Nasdaq Stock Market. This could have an adverse effect on our business, financial condition and results of operations, including our stock price, and could potentially subject us to litigation.

We face risks associated with international operations.

One important component of our strategy is to expand internationally. In 2012, we opened a banking branch in the United Kingdom, as well as a joint venture bank in China. We also have offices in Hong Kong, India and Israel. We plan to expand our operations in some of our current international markets. We may also expand our business beyond those markets. Our efforts to expand our business internationally carry with them certain risks, including risks arising from the uncertainty regarding our

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ability to generate revenues from foreign operations, risks associated with leveraging and doing business with local business partners and other general operational risks. In addition, there are certain risks inherent in doing business on an international basis, including, among others, legal, regulatory and tax requirements and restrictions, uncertainties regarding liability, tariffs and other trade barriers, difficulties in staffing and managing foreign operations, incremental requirement of management's attention and resources, differing technology standards or customer requirements, cultural differences, political and economic risks, and financial risks, including currency and payment risks. These risks could adversely affect the success of our international operations and could have a material adverse effect on our overall business, results of operations and financial condition. In addition, we face risks that our employees and affiliates may fail to comply with applicable laws and regulations governing our international operations, including the U.S. Foreign Corrupt Practices Act, U.K. Bribery Act, anti-corruption laws, and other foreign laws and regulations. Failure to comply with such laws and regulations could, among other things, result in enforcement actions and fines against us, as well as limitations on our conduct, any of which could have a material adverse effect on our business and results of operations.

Legal/Regulatory Risks

We are subject to extensive regulation that could limit or restrict our activities, impose financial requirements or limitations on the conduct of our business, or result in higher costs to us.

SVB Financial Group, including the Bank, is extensively regulated under federal and state laws and regulations governing financial institutions, including those imposed by the FDIC, the Federal Reserve, the CFPB, and the DBO, as well as the international regulatory authorities that govern our global activities. Federal and state laws and regulations govern, restrict, limit or otherwise adversely affect the activities in which we may engage, may affect our ability to expand our business over time, may result in an increase in our compliance costs, including higher FDIC insurance premiums and may affect our ability to attract and retain qualified executive officers and employees. In addition, a change in the applicable statutes, regulations or regulatory policy could have a material adverse effect on our business, including limiting the types of financial services and products we may offer or increasing the ability of nonbanks to offer competing financial services and products. These laws and regulations also require financial institutions, including SVB Financial and the Bank, to maintain certain minimum levels of capital and meet other minimum financial standards, which may require us to raise additional capital in the future, affect our ability to use our capital resources for other business purposes or affect our overall business strategies and plans. Furthermore, the Bank for International Settlement's Basel Committee on Banking Supervision has adopted new capital, leverage and liquidity guidelines under the Basel Accord and the Federal Reserve Board has also finalized new capital requirements on banks and bank holding companies, all of which have the effect of raising our capital requirements beyond those previously required. Such rules also impose certain company-run stress testing requirements, which will be subject to disclosure in 2015, and could require us to raise additional capital or take certain other actions depending on the results of the stress tests. Increased regulatory requirements (and the associated compliance costs), whether due to the adoption of new laws and regulations, changes in existing laws and regulations, or more expansive or aggressive interpretations of existing laws and regulations, may have a material adverse effect on our business, financial condition and results of operations.

In particular, we are subject to the Volcker Rule which restricts or limits us from sponsoring or having ownership interests in “covered” funds including venture capital and private equity funds. We must be in compliance with these rules by July 21, 2015, unless the compliance period is extended by the Federal Reserve Board, which may grant up to two one-year extensions and an additional extension of up to five years for certain investments deemed to be illiquid. Under this rule, we will have to wind-down, transfer, divest or otherwise ensure the termination or expiration of any prohibited interests prior to July 2015, unless extended up to July 2022. While we intend to seek the maximum extensions available to us, there is no assurance that we will be granted any of these extensions, and thus, we may be required to divest our prohibited interests within a short period of time. We currently estimate that our total venture capital and private equity fund investments deemed to be prohibited covered fund interests have an aggregate carrying value of approximately $282 million as of December 31, 2013. These covered fund interests are comprised of interests attributable, solely, to the Company in our consolidated managed funds and certain of our non-marketable securities. These Volcker Rule restrictions could have a material adverse affect on our investment portfolio and results of operations. The actual impact from these restrictions will be dependent on a variety of factors, including our ability to obtain regulatory extensions, our ability to sell the investments, our carrying value at the time of any sale, the actual sales price realized, the timing of such sales, and any additional regulatory guidance or interpretations of the Volcker Rule.

See “Business - Supervision and Regulation” under Item1 of Part I of this report.

We face a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering statutes and regulations.

The Bank Secrecy Act, the USA PATRIOT Act of 2001, and other laws and regulations require financial institutions, among other duties, to institute and maintain an effective anti-money laundering program and file suspicious activity and currency transaction reports as appropriate. The federal Financial Crimes Enforcement Network is authorized to impose significant civil

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money penalties for violations of those requirements and has recently engaged in coordinated enforcement efforts with the individual federal banking regulators, as well as the U.S. Department of Justice, Drug Enforcement Administration, and Internal Revenue Service. We are also subject to increased scrutiny of compliance with the rules enforced by the Office of Foreign Assets Control and compliance with the Foreign Corrupt Practices Act. If our policies, procedures and systems are deemed deficient, we would be subject to liability, including fines and regulatory actions, which may include restrictions on our ability to pay dividends and the necessity to obtain regulatory approvals to proceed with certain aspects of our business plan. Failure to maintain and implement adequate programs to combat money laundering and terrorist financing could also have serious reputational consequences for us. Any of these results could materially and adversely affect our business, financial condition and results of operations.

If we were to violate, or fail to comply with, international, federal or state laws or regulations governing financial institutions, we could be subject to disciplinary action that could have a material adverse effect on our business, financial condition, results of operationsand reputation.

International, federal and state banking regulators possess broad powers to take supervisory or enforcement action with respect to financial institutions. Other regulatory bodies, including the SEC, the Nasdaq Stock Market, FINRA, and state securities regulators, regulate investment advisers and broker-dealers, including our subsidiaries, SVB Asset Management and SVB Securities, as applicable. If SVB Financial Group were to violate, even if unintentionally or inadvertently, the laws governing public companies, financial institutions and broker-dealers, the regulatory authorities could take various actions against us, depending on the severity of the violation, such as imposing restrictions on how we conduct our business, revoking necessary licenses or authorizations, imposing censures, civil money penalties or fines, issuing cease and desist or other supervisory orders, and suspending or expelling from the securities business a firm, its officers or employees. Supervisory actions could result in higher capital requirements, higher insurance premiums, higher levels of liquidity available to meet the Bank's financial needs and limitations on the activities of SVB Financial Group. These remedies and supervisory actions could have a material adverse effect on our business, financial condition, results of operations and reputation.

Changes in accounting standards could materially impact our financial statements.

From time to time, the FASB or the SEC may change the financial accounting and reporting standards that govern the preparation of our financial statements. Also, our global initiatives, as well as continuing trends towards the convergence of international accounting standards, such as rules that may be adopted under the International Financial Reporting Standards (“IFRS”), may result in our Company being subject to new or changing accounting and reporting standards. In addition, the bodies that interpret the accounting standards (such as banking regulators or outside auditors) may change their interpretations or positions on how these standards should be applied. These changes may be beyond our control, can be hard to predict and can materially impact how we record and report our financial condition and results of operations. In some cases, we could be required to apply a new or revised standard retrospectively, or apply an existing standard differently, also retrospectively, in each case resulting in our revising or restating prior period financial statements.

SVB Financial relies on warrant income, investment distributions and dividends from its subsidiaries for most of its cash revenues.

SVB Financial is a holding company and is a separate and distinct legal entity from its subsidiaries. It receives most of its cash revenues from three primary funding sources: warrant income, investment distributions, and dividends from its subsidiaries, primarily the Bank. These sources generate income for SVB Financial to pay operating costs and to the extent there are any ---- borrowings, dividends, and share repurchases. Our equity warrant assets and investment interests are held by SVB Financial, and any income derived from those financial instruments are subject to a variety of factors as discussed in this “Risk Factors” section. Moreover, various federal and state laws and regulations limit the amount of dividends that the Bank and certain of our nonbank subsidiaries may pay to SVB Financial. Also, SVB Financial's right to participate in a distribution of assets upon a subsidiary's liquidation or reorganization is subject to the prior claims of the subsidiary's creditors.

Anti-takeover provisions and federal law, particular those applicable to financial institutions, may limit the ability of another party to acquire us, which could prevent a merger or acquisition that may be attractive to stockholders and/or have a material adverse affect on our stock price.

As a financial institution, we are subject to certain laws that could delay or prevent a third-party from acquiring us, even if doing so might be beneficial to our stockholders. The Bank Holding Company Act of 1956, as amended, and the Change in Bank Control Act of 1978, as amended, together with federal and state regulations, require that, depending on the particular circumstances, either Federal Reserve approval must be obtained or notice must be furnished to the Federal Reserve and not disapproved prior to any person or entity acquiring “control” of a state member bank, such as the Bank. In addition, DBO approval may be required in connection with the acquisition of control of the Bank. Moreover, certain provisions of our certificate of incorporation and by-laws and certain other actions we may take or have taken could delay or prevent a third-party from acquiring

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us, even if beneficial to our stockholders. These laws and provisions may prevent a merger or acquisition that would be attractive to stockholders and could limit the price investors would be willing to pay in the future for our common stock.

Strategic/Reputation/Other Risks

Concentration of risk increases the potential for significant losses.

Concentration of risk increases the potential for significant losses in our business while there may exist a great deal of diversity within each industry, our clients are concentrated by these general industry niches: technology, life science, venture capital/private equity and premium wine. Our technology clients generally tend to be in the industries of hardware (semiconductors, communications and electronics), software and related services, and clean technology (energy and resource innovation). Our life science clients are concentrated in the medical devices and biotechnology sectors. Many of our client companies are concentrated by certain stages within their life cycles, such as early-stage, mid-stage or later-stage, and many of these companies are venture capital-backed. Our loan concentrations are derived from our borrowers engaging in similar activities or types of loans extended to a diverse group of borrowers that could cause those borrowers to be similarly impacted by economic or other conditions. In addition, we are continuing to increase our efforts to lend to larger clients and/or to make larger loans, which may increase our concentration risk. Any adverse effect on any of our areas of concentration could have a material impact on our business, results of operations and financial condition. Due to our concentrations, we may suffer losses even when economic and market conditions are generally favorable for our competitors.

Decreases in the amount of equity capital available to our portfolio companies could adversely affect our business, growth and profitability.

Our core strategy is focused on providing banking products and services to companies, including in particular to emerging stage to mid-stage companies that receive financial support from sophisticated investors, including venture capital or private equity firms, “angels,” and corporate investors. We derive a meaningful share of our deposits from these companies and provide them with loans as well as other banking products and services. In some cases, our lending credit decision is based on our analysis of the likelihood that our venture capital or angel-backed client will receive additional rounds of equity capital from investors. If the amount of capital available to such companies decreases, it is likely that the number of new clients and investor financial support to our existing borrowers could decrease, which could have an adverse effect on our business, profitability and growth prospects.

Among the factors that have affected and could in the future affect the amount of capital available to our portfolio companies are the receptivity of the capital markets, the prevalence of IPO's or M&A activity of companies within our technology and life science industry sectors, the availability and return on alternative investments, economic conditions in the technology, life science and venture capital/private equity industries, and overall general economic conditions. Reduced capital markets valuations could reduce the amount of capital available to our client companies, including companies within our technology and life science industry sectors.

Because our business and strategy are largely based on this venture capital/private equity financing framework focused on our particular client niches, any material changes in the framework, including unfavorable economic conditions and adverse trends in investment or fund-raising levels, may have a material adverse effect on our business, strategy and overall profitability.

We face competitive pressures that could adversely affect our business, results of operations, financial condition and future growth.

We compete with other banks and specialty and diversified financial services companies and debt funds, some of which are larger than we are, which offer lending, leasing, payments, other financial products and advisory services to our client base. We also compete with non-financial services, particularly payment facilitators/processors or other nonbanking technology providers in the payments industry, which may offer specialized services to our client base. In addition, we compete with hedge funds and private equity funds. In some cases, our competitors focus their marketing on our industry sectors and seek to increase their lending and other financial relationships with technology companies or special industries such as wineries. In other cases, some competitors may offer a broader range of financial products to our clients, and some competitors may offer a specialized set of specific products or service. When new competitors seek to enter one of our markets, or when existing market participants seek to increase their market share, they sometimes undercut the pricing and/or credit terms prevalent in that market, which could adversely affect our market share or ability to exploit new market opportunities. Our pricing and credit terms could deteriorate if we act to meet these competitive challenges, which could adversely affect our business, results of operations, financial condition and future growth. Similarly, competitive pressures could adversely affect the business, results of operations, financial condition and future growth of our non-banking services, including our payments services, as well as our access to capital and attractive investment opportunities for our funds business.

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Our ability to maintain or increase our market share depends on our ability to attract and maintain, as well as meet the needs of, existing and future clients.

Our success depends, in part, upon our ability to maintain or increase our market share. In particular, much of our success depends on our ability to attract early-stage or start-up companies and to retain those companies as they grow and mature successfully through the various stages of their life cycles. In order to maintain or increase our market share, we must be able meet the needs of existing and potential future clients. Not only must we adapt our products and services to evolving industry standards, we must also endeavor to innovate new products and services beyond industry standards in order to serve our clients, who are innovators themselves. A failure to achieve market acceptance for any new products or service we introduce, a failure to introduce products or services that the market may demand, or the costs associated with developing, introducing and providing new products and services could have an adverse effect on our business, results of operations, growth prospects and financial condition.

We face risks in connection with our strategic undertakings and new business initiatives.

We are engaged, and may in the future engage, in strategic activities domestically or internationally, including acquisitions, joint ventures, partnerships, investments or other business growth initiatives or undertakings. There can be no assurance that we will successfully identify appropriate opportunities, that we will be able to negotiate or finance such activities or that such activities, if undertaken, will be successful.

We are focused on our long-term growth and have undertaken various strategic activities and business initiatives, many of which involve activities that are new to us, or in some cases, experimental in nature. For example, we are expanding our global presence and may engage in activities in jurisdictions where we have limited experience. We are also expanding our payments capabilities to better serve our clients, including innovating new electronic payment processing solutions, developing new payments technologies, and exploring new evolving payments systems, such as virtual currencies known as “bitcoin.”

Our ability to execute strategic activities and new business initiatives successfully will depend on a variety of factors. These factors likely will vary based on the nature of the activity but may include our success in integrating an acquired company or a new growth initiative into our business, operations, services, products, personnel and systems, operating effectively with any partner with whom we elect to do business, meeting applicable regulatory requirements, hiring or retaining key employees, achieving anticipated synergies, meeting management's expectations, actually realizing the anticipated benefits of the activities, and overall general market conditions. Our ability to address these matters successfully cannot be assured. In addition, our strategic efforts may divert resources or management's attention from ongoing business operations and may subject us to additional regulatory scrutiny and/or potential liability. If we do not successfully execute a strategic undertaking, it could adversely affect our business, financial condition, results of operations, reputation and growth prospects. In addition, if we were to conclude that the value of an acquired business had decreased and that the related goodwill had been impaired, that conclusion would result in an impairment of goodwill charge to us, which would adversely affect our results of operations.

In addition, in order to finance future strategic undertakings, we might obtain additional equity or debt financing. Such financing might not be available on terms favorable to us, or at all. If obtained, equity financing could be dilutive and the incurrence of debt and contingent liabilities could have a material adverse effect on our business, results of operations and financial condition.

Our business reputation is important and any damage to it could have a material adverse effect on our business.

Our reputation is very important to sustain our business, as we rely on our relationships with our current, former and potential clients and stockholders, the venture capital and private equity communities, and the industries that we serve. Any damage to our reputation, whether arising from regulatory, supervisory or enforcement actions, matters affecting our financial reporting or compliance with SEC and exchange listing requirements, negative publicity, our conduct of our business or otherwise could have a material adverse effect on our business.

Our risk management framework may not be effective in identifying, managing or mitigating risks and/or losses to us.

We have implemented a risk management framework to identify and manage our risk exposure. This framework is comprised of various processes, systems and strategies, and is designed to manage the types of risk to which we are subject, including, among others, credit, market, liquidity, operational, financial, interest rate, legal and regulatory, compliance, strategic, reputation, fiduciary, global, sovereign, and general economic risks. Our framework also includes financial or other modeling methodologies, which involves management assumptions and judgment. In addition, under this framework, we are currently developing a risk appetite statement to detail our risk tolerance levels at an enterprise-wide level. There is no assurance that our risk management framework will be effective under all circumstances or that it will adequately identify, manage or mitigate any risk or loss to us. If our framework is not effective, we could suffer unexpected losses and our business, financial condition, results of operations or prospects could be materially adversely affected. We may also be subject to potentially adverse regulatory consequences.

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The price of our common stock may be volatile or may decline.

The trading price of our common stock may fluctuate as a result of a number of factors, many of which are outside our control. In addition, the stock market is subject to fluctuations in the share prices and trading volumes that affect the market prices of the shares of many companies. These broad market fluctuations could adversely affect the market price of our common stock. Among the factors that could affect our stock price are:

• actual or anticipated quarterly fluctuations in our operating results and financial condition;

• changes in revenue or earnings estimates or publication of research reports and recommendations by financial analysts;

• failure to meet analysts’ revenue or earnings estimates;

• speculation in the press or investment community;

• strategic actions by us or our competitors;

• actions by institutional stockholders;

• fluctuations in the stock price and operating results of our competitors;

• general market conditions and, in particular, developments related to market conditions for the financial services industry;

• proposed or adopted regulatory changes or developments;

• anticipated or pending investigations, proceedings or litigation that involve or affect us; or

• domestic and international economic factors unrelated to our performance.

The trading price of the shares of our common stock and the value of our other securities will depend on many factors, which may change from time to time, including, without limitation, our financial condition, performance, creditworthiness and prospects, and future sales of our equity or equity-related securities. In some cases, the markets have produced downward pressure on stock prices and credit availability for certain issuers without regard to those issuers’ underlying financial strength. A significant decline in our stock price could result in substantial losses for individual stockholders and could lead to costly and disruptive securities litigation.

ITEM 1B. UNRESOLVED STAFF COMMENTS

None.

ITEM 2. PROPERTIES

Our corporate headquarters facility consists of three buildings and is located at 3003 Tasman Drive, Santa Clara, California. The total square footage of the premises leased under the current lease arrangement is approximately 213,625 square feet. The lease will expire on September 30, 2024, unless terminated earlier or extended.

We currently operate 28 regional offices, including an administrative office, in the United States as well as offices outside the United States. We operate throughout the Silicon Valley with offices in Santa Clara, Menlo Park and Palo Alto. Other regional offices in California include Irvine, Sherman Oaks, San Diego, San Francisco, St. Helena, Santa Rosa and Pleasanton. Office locations outside of California but within the United States include: Tempe, Arizona; Broomfield, Colorado; Atlanta, Georgia; Chicago, Illinois; Newton, Massachusetts; St. Louis Park, Minnesota; New York, New York; Morrisville, North Carolina; Beaverton, Oregon; Radnor, Pennsylvania; Austin, Texas; Dallas, Texas; Salt Lake City, Utah; Vienna, Virginia; and Seattle, Washington. Our international offices are located in: Hong Kong; Beijing and Shanghai, China; Bangalore and Mumbai, India; Herzliya Pituach, Israel; and London, England. All of our properties are occupied under leases, which expire at various dates through 2025, and in most instances include options to renew or extend at market rates and terms. We also own leasehold improvements, equipment, furniture, and fixtures at our offices, all of which are used in our business activities.

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Our Global Commercial Bank operations are principally conducted out of our corporate headquarters in Santa Clara, and the lending teams operate out of the various regional and international offices. SVB Private Bank and SVB Capital principally operate out of our Menlo Park offices.

We believe that our properties are in good condition and suitable for the conduct of our business.

ITEM 3. LEGAL PROCEEDINGS

The information set forth under Note 23-“Legal Matters” in the “Notes to the Consolidated Financial Statements” under Part II, Item 8 in this report is incorporated herein by reference.

ITEM 4.     MINE SAFETY DISCLOSURES

Not applicable.

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PART II.

Item 5. MARKET FOR THE REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES

Market Information

Our common stock is traded on the NASDAQ Global Select Market under the symbol SIVB. The per share range of high and low sale prices for our common stock as reported on the NASDAQ Global Select Market, for each full quarterly period during the years ended December 31, 2013 and 2012, was as follows:

	2013				2012
Three months ended:	Low		High		Low		High
March 31	$	56.84	$	71.15	$	47.54	$	67.49
June 30	65.59		83.91		54.12		66.07
September 30	79.54		91.46		55.09		62.85
December 31	86.06		106.99		52.40		62.49

As of December 31, 2013, SVB Financial had no preferred stock outstanding.

Holders

As of February 4, 2014, there were 780 registered holders of our stock, and we believe there were approximately 21,504 beneficial holders of common stock whose shares were held in the name of brokerage firms or other financial institutions. We are not provided with the number or identities of all of these stockholders, but we have estimated the number of such stockholders from the number of stockholder documents requested by these brokerage firms for distribution to their customers.

Dividends and Stock Repurchases

SVB Financial does not currently pay cash dividends on our common stock. We have not paid any cash dividends since 1992. Our Board of Directors periodically evaluates whether to pay cash dividends, taking into consideration such factors as it considers relevant, including our current and projected financial performance, our projected sources and uses of capital, general economic conditions, considerations relating to our current and potential stockholder base, changing regulatory rules, particularly rules impacting capital requirements, and relevant tax laws. Our ability to pay cash dividends is also limited by generally applicable corporate and banking laws and regulations. See “Business-Supervision and Regulation-Restrictions on Dividends” under Part I, Item 1 of this report. SVB Financial did not repurchase any of its common stock during 2013.

Securities Authorized for Issuance Under Equity Compensation Plans

The information required by this Item regarding equity compensation plans is incorporated by reference to the information set forth in Part III, Item 12 of this report.

Recent Sales of Unregistered Securities and Use of Proceeds

As previously disclosed in our 2013 quarterly reports on Form 10-Q, during the first quarter of 2013, we discovered that we sold shares of our common stock that were not registered with the SEC to certain participants, through their investment in our unitized common stock fund, under our SVB Financial Group 401(k) and Employee Stock Ownership Plan (“401(k) Plan”). The common stock fund is comprised primarily of shares of our common stock, and to a lesser extent, cash; and participants may invest 401(k) Plan contributions for an interest in the fund. With respect to the purchases that were not registered, the shares of our common stock held in the common stock fund are purchased by our 401(k) Plan trustee from the open market; hence, these purchases do not represent any additional equity dilution of our outstanding shares. We do not receive any proceeds from these transactions.

Under applicable federal securities laws, certain participants may have a right to rescind, and to require us to repurchase, their purchases of our common stock (through their investment in the common stock fund) for an amount equal to the price paid for the securities, plus interest. Generally, the federal statute of limitations applicable to such rescission rights is one year. Additionally, we may be subject to potential civil and other penalties by regulatory authorities as a result of this registration issue.

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Based on our estimates, we do not believe the amount of potential liability associated with the securities subject to rescission rights is material to our financial condition or results of operations. As of December 31, 2013, we estimate that there were less than 40,000 shares of our common stock (over the one-year period preceding such date) that would be subject to rescission rights; substantially none of which, based on our closing stock price of $124.65 as of February 26, 2014 would be economically advantageous for participants to exercise any such rescission rights. These securities continue to be reflected in stockholders' equity in our balance sheet.

We filed a new registration statement on Form S-8 on May 20, 2013 to register future sales of our common stock through our common stock fund under the 401(k) Plan.

Performance Graph

The following information is not deemed to be “soliciting material” or “filed” with the SEC or subject to the liabilities of Section 18 of the Exchange Act, and the report shall not be deemed to be incorporated by reference into any prior or subsequent filing by the Company under the Securities Act or the Exchange Act.

The following graph compares, for the period from December 31, 2008 through December 31, 2013, the cumulative total stockholder return on the common stock of the Company with (i) the cumulative total return of the Standard and Poor's 500 (“S&P 500”) Index, (ii) the cumulative total return of the NASDAQ Composite index, and (iii) the cumulative total return of the NASDAQ Bank Index. The graph assumes an initial investment of $100 and reinvestment of dividends. The graph is not necessarily indicative of future stock price performance.

Comparison of 5 Year Cumulative Total Return*

Among SVB Financial Group, the S&P 500 Index, the NASDAQ Composite Index, and the NASDAQ Bank Index

* $100 invested on 12/31/08 in stock & index-including reinvestment of dividends.

Fiscal year ending December 31.

Copyright ^©2014S&P, a division of The McGraw-Hill Companies, Inc. All rights reserved.

	December 31,
	2008		2009		2010		2011		2012		2013
SVB Financial Group	$	100.00	$	158.83	$	202.25	$	181.81	$	213.38	$	399.77
S&P 500	100.00		126.46		145.51		148.59		172.37		228.19
NASDAQ Composite	100.00		144.88		170.58		171.30		199.99		283.39
NASDAQ Bank	100.00		84.86		97.62		87.11		102.06		144.32

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Item 6. SELECTED CONSOLIDATED FINANCIAL DATA

The following selected consolidated financial data should be read in conjunction with our consolidated financial statements and supplementary data as presented under Part II, Item 8 of this report. Information as of and for the years ended December 31, 2013, 2012, and 2011 is derived from audited financial statements presented separately herein, while information as of and for the years ended December 31, 2010 and 2009 is derived from audited financial statements not presented separately within.

	Year ended December 31,
(Dollars in thousands, except per share data and ratios)	2013			2012			2011			2010			2009
Income statement summary:
Net interest income	$	697,344		$	617,864		$	526,277		$	418,135		$	382,150
Provision for loan losses	(63,693		)	(44,330		)	(6,101		)	(44,628		)	(90,180		)
Noninterest income	673,206			335,546			382,332			247,530			97,743
Noninterest expense excluding impairment of goodwill	(621,680		)	(545,998		)	(500,628		)	(422,818		)	(339,774		)
Impairment of goodwill	—			—			—			—			(4,092		)
Income before income tax expense	685,177			363,082			401,880			198,219			45,847
Income tax expense	(139,058		)	(113,269		)	(119,087		)	(61,402		)	(35,207		)
Net income before noncontrolling interests	546,119			249,813			282,793			136,817			10,640
Net (income) loss attributable to noncontrolling interests	(330,266		)	(74,710		)	(110,891		)	(41,866		)	37,370
Net income attributable to SVBFG	$	215,853		$	175,103		$	171,902		$	94,951		$	48,010
Preferred stock dividend and discount accretion	—			—			—			—			(25,336		)
Net income available to common stockholders	$	215,853		$	175,103		$	171,902		$	94,951		$	22,674
Common share summary:
Earnings per common share—basic	$	4.76		$	3.96		$	4.00		$	2.27		$	0.67
Earnings per common share—diluted	4.70			3.91			3.94			2.24			0.66
Book value per common share	42.93			41.02			36.07			30.15			27.30
Weighted average shares outstanding—basic	45,309			44,242			43,004			41,774			33,901
Weighted average shares outstanding—diluted	45,944			44,764			43,637			42,478			34,183
Year-end balance sheet summary:
Investment securities	$	13,582,315		$	12,527,442		$	11,540,486		$	8,639,487		$	4,491,719
Loans, net of unearned income	10,906,386			8,946,933			6,970,082			5,521,737			4,548,094
Total assets	26,417,189			22,766,123			19,968,894			17,527,761			12,841,399
Deposits	22,472,979			19,176,452			16,709,536			14,336,941			10,331,937
Short-term borrowings	5,080			166,110			—			37,245			38,755
Long-term debt	455,216			457,762			603,648			1,209,260			856,650
SVBFG stockholders' equity	1,966,270			1,830,555			1,569,392			1,274,350			1,128,343
Average balance sheet summary:
Available-for-sale securities	$	10,598,879		$	10,685,564		$	9,350,381		$	5,347,327		$	2,282,331
Loans, net of unearned income	9,351,378			7,558,928			5,815,071			4,435,911			4,699,696
Total assets	23,210,747			21,311,172			18,670,499			14,858,236			11,326,341
Deposits	19,619,194			17,910,088			15,568,801			12,028,327			8,794,099
Short-term borrowings	27,018			70,802			16,994			49,972			46,133
Long-term debt	456,484			518,112			796,823			968,378			923,854
SVBFG stockholders' equity	1,927,674			1,735,281			1,448,398			1,230,569			1,063,175
Capital ratios:
SVBFG total risk-based capital ratio	13.13		%	14.05		%	13.95		%	17.35		%	19.94		%
SVBFG tier 1 risk-based capital ratio	11.94			12.79			12.62			13.63			15.45
SVBFG tier 1 leverage ratio	8.31			8.06			7.92			7.96			9.53
SVBFG tangible common equity to tangible assets (1)	7.44			8.04			7.86			7.27			8.78
SVBFG tangible common equity to risk-weighted assets (1)	11.63			13.53			13.25			13.54			15.05
Bank total risk-based capital ratio	11.32			12.53			12.33			15.48			17.05
Bank tier 1 risk-based capital ratio	10.11			11.24			10.96			11.61			12.45
Bank tier 1 leverage ratio	7.04			7.06			6.87			6.82			7.67
Bank tangible common equity to tangible assets (1)	6.59			7.41			7.18			6.61			7.50
Bank tangible common equity to risk-weighted assets (1)	9.87			12.08			11.75			11.88			12.53
Average SVBFG stockholders' equity to average assets	8.31			8.14			7.76			8.28			9.39
Selected financial results:
Return on average assets	0.93		%	0.82		%	0.92		%	0.64		%	0.42		%
Return on average common SVBFG stockholders' equity	11.20			10.09			11.87			7.72			2.13
Net interest margin	3.29			3.19			3.08			3.08			3.73
Gross loan charge-offs to average total gross loans	0.45			0.44			0.41			1.15			3.03
Net loan charge-offs (recoveries) to average total gross loans	0.33			0.31			(0.02		)	0.77			2.64
Nonperforming assets as a percentage of total assets	0.20			0.17			0.18			0.22			0.39
Allowance for loan losses as a percentage of total gross loans	1.30			1.23			1.28			1.48			1.58

(1) See “Management's Discussion and Analysis of Financial Condition and Results of Operations-Capital Resources-Capital Ratios” under Part II, Item 7 in this report for a reconciliation of non-GAAP tangible common equity to tangible assets and tangible common equity to risk-weighted assets.

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ITEM 7.  MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

The following discussion and analysis of our financial condition and results of operations contains forward-looking statements. These statements are based on current expectations and assumptions, which are subject to risks and uncertainties. See our cautionary language at the beginning of this report under “Forward Looking Statements”. Actual results could differ materially because of various factors, including but not limited to those discussed in “Risk Factors,” under Part I, Item 1A.

The following discussion and analysis of our financial condition and results of operations should be read in conjunction with our audited consolidated financial statements and supplementary data as presented in Item 8 of this report. Certain reclassifications have been made to prior years' results to conform to the current period's presentations. Such reclassifications had no effect on our results of operations or stockholders' equity.

Overview of Company Operations

SVB Financial is a diversified financial services company, as well as a bank holding company and a financial holding company. SVB Financial was incorporated in the state of Delaware in March 1999. Through our various subsidiaries and divisions, we offer a variety of banking and financial products and services. For 30 years, we have been dedicated to helping entrepreneurs succeed, especially in the technology, life science, venture capital/private equity and premium wine industries. We provide our clients of all sizes and stages with a diverse set of products and services to support them through all stages of their life cycles.

We offer commercial and private banking products and services through our principal subsidiary, the Bank, which is a California-state chartered bank founded in 1983 and a member of the Federal Reserve System. Through its subsidiaries, the Bank also offers, investment advisory, asset management, private wealth management and brokerage services. We also offer non-banking products and services, such as funds management, venture capital and private equity investment, and business valuation services, through our subsidiaries and divisions.

Management’s Overview of 2013 Financial Performance

Overall, we had another strong year in 2013, which reflected the strength of our clients and our business. We had record net income available to common stockholders of $215.9 million, with a diluted EPS of $4.70 in 2013, compared to $3.91 in 2012. In 2013, compared to 2012, we experienced strong growth in net interest income as a result of outstanding loan growth with a record high average balance of $9.4 billion. We also experienced strong growth in noninterest income as a result of exceptional gains on investment securities, net, and equity warrant assets. Included in our results for the year were pre-tax gains of $55.0 million from the increased valuation of two of our portfolio companies, FireEye, Inc. ("FireEye") and Twitter, Inc. ("Twitter"), which included gains from equity warrant assets and gains from non-marketable and other securities, net of noncontrolling interests. Our total client funds, which consist of on-balance sheet deposits and off-balance sheet client investment funds, also increased, reflecting growth from our existing clients and new clients. In addition, overall credit quality remained strong, we saw continued growth in fee income and our liquidity and capital ratios continued to remain strong.

2013 results (compared to 2012, where applicable) reflected strong performance across all areas of our businesses and included:

▪ Average loan balances of $9.4 billion, an increase of $1.8 billion, or 23.7 percent. Period-end loan balances were $10.9 billion, an increase of $2.0 billion, or 21.9 percent.

▪ Average deposit balances of $19.6 billion, an increase of $1.7 billion, or 9.5 percent. Period-end deposit balances were $22.5 billion, an increase of $3.3 billion, 17.2 percent.

▪ Average total client funds (including both on-balance sheet deposits and off-balance sheet client investment funds) were $43.8 billion, an increase of $5.7 billion, or 15.0 percent. Period-end total client funds were $48.8 billion, an increase of $7.1 billion, or 17.1 percent.

▪ Net interest income (fully taxable equivalent basis) of $699.1 million, an increase of $79.3 million, primarily due to an increase in interest income from loans attributable to growth in average balances of $1.8 billion. This increase was partially offset by a decrease in the overall yield of our loan portfolio from a shift in the mix of our late stage and sponsor-led buyout portfolios from national Prime rate, to LIBOR, indexed loans, in addition to, lower rates on existing and new capital call lines, as a result of increased competition.

▪ Our net interest margin increased to 3.29 percent, compared to 3.19 percent, primarily due to growth in average loan balances (higher-yielding assets), partially offset by lower loan yields from a continued shift in the mix of our loans as noted previously.

▪ A provision for loan losses of $63.7 million, compared to $44.3 million. The provision of $63.7 million in 2013 was primarily driven by net charge-offs of $31.5 million and period-end loan growth of $2.0 billion resulting in a provision

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of $21.9 million. Net charge-offs in 2013 were 0.33 percent of average total gross loans, reflecting the strong overall credit quality of our portfolio.

▪ Non-GAAP core fee income (deposit service charges, letters of credit fees, credit card fees, lending related fees, client investment fees, and foreign exchange fees) of $175.5 million, an increase of $17.1 million, or 10.8 percent. This increase reflects increased client activity and continued growth in our business, primarily from credit card fees, foreign exchange fees and lending related fees. See “Results of Operations—Noninterest Income” for a description and reconciliation of non-GAAP core fee income.

▪ Non-GAAP net gains on investment securities, net of noncontrolling interests and excluding gains on sales of certain-available-for-sale securities of $77.3 million compared to $31.5 million. The increase was primarily related to strong IPO and M&A activity with primary contributions from FireEye and Twitter. See “Results of Operations—Noninterest Income—Gains on Investment Securities, Net” for further details and a reconciliation of non-GAAP net gains on investment securities, net of noncontrolling interests.

▪ Gains of $46.1 million from equity warrant assets, an increase of $26.7 million, or 137.8 percent. The increase was primarily driven by healthy IPO and M&A activity, including the FireEye and Twitter IPOs.

▪ Noninterest expense of $621.7 million, an increase of $75.7 million, or 13.9 percent. The increase was primarily due to increases in incentive compensation and other employee benefits as a result of the strong performance in 2013 relative to our internal performance targets.

▪ Overall, our liquidity remained strong based on the attributes of our period-end available-for-sale securities portfolio, which totaled $12.0 billion at December 31, 2013, compared to $11.3 billion at December 31, 2012. Our available-for-sale securities portfolio continued to be a good source of liquidity as it was invested in high quality investments and generated steady monthly cash flows. Additionally, our available-for-sale securities portfolio continued to provide us with the ability to secure wholesale borrowings, as needed.

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A summary of our performance in 2013 compared to 2012 is as follows:

	Year ended December 31,
(Dollars in thousands, except per share data and ratios)	2013			2012			% Change
Income Statement:
Diluted earnings per share	$	4.70		$	3.91		20.2		%
Net income available to common stockholders	215,853			175,103			23.3
Net interest income	697,344			617,864			12.9
Net interest margin	3.29		%	3.19		%	10		bps
Provision for loan losses	$	63,693		$	44,330		43.7		%
Noninterest income	673,206			335,546			100.6
Noninterest expense	621,680			545,998			13.9
Non-GAAP net income available to common stockholders (1)	215,853			169,569			27.3
Non-GAAP diluted earnings per common share (1)	4.70			3.79			24.0
Non-GAAP noninterest income, net of noncontrolling interests and excluding gains on sales of certain assets (2)	330,302			240,408			37.4
Non-GAAP noninterest expense, net of noncontrolling interests (3)	608,966			534,662			13.9
Balance Sheet:
Average loans, net of unearned income	$	9,351,378		$	7,558,928		23.7		%
Average noninterest-bearing demand deposits	13,892,006			12,765,506			8.8
Average interest-bearing deposits	5,727,188			5,144,582			11.3
Average total deposits	19,619,194			17,910,088			9.5
Earnings Ratios:
Return on average assets (4)	0.93		%	0.82		%	13.4		%
Return on average common SVBFG stockholders’ equity (5)	11.20			10.09			11.0
Asset Quality Ratios:
Allowance for loan losses as a percentage of total period-end gross loans	1.30		%	1.23		%	7		bps
Allowance for loan losses for performing loans as a percentage of total gross performing loans	1.11			1.16			(5	)
Gross loan charge-offs as a percentage of average total gross loans (annualized)	0.45			0.44			1
Net loan charge-offs (recoveries) as a percentage of average total gross loans (annualized)	0.33			0.31			2
Capital Ratios:
SVBFG total risk-based capital ratio	13.13		%	14.05		%	(92	)	bps
SVBFG tier 1 risk-based capital ratio	11.94			12.79			(85	)
SVBFG tier 1 leverage ratio	8.31			8.06			25
SVBFG tangible common equity to tangible assets (6)	7.44			8.04			(60	)
SVBFG tangible common equity to risk-weighted assets (6)	11.63			13.53			(190	)
Bank total risk-based capital ratio	11.32			12.53			(121	)
Bank tier 1 risk-based capital ratio	10.11			11.24			(113	)
Bank tier 1 leverage ratio	7.04			7.06			(2	)
Bank tangible common equity to tangible assets (6)	6.59			7.41			(82	)
Bank tangible common equity to risk-weighted assets (6)	9.87			12.08			(221	)
Other Ratios:
Operating efficiency ratio (7)	45.30		%	57.15		%	(20.7	)	%
Non-GAAP operating efficiency ratio (3)	59.16			62.16			(4.8	)
Book value per common share (8)	$	42.93		$	41.02		4.7
Other Statistics:
Average full-time equivalent employees	1,669			1,581			5.6		%
Period-end full-time equivalent employees	1,704			1,615			5.5

(1) See "Non-GAAP Net Income and Non-GAAP Diluted Earnings Per Common Share” below for a description and reconciliation of non-GAAP net income available to common stockholders and non-GAAP diluted earnings per share.

(2) See “Results of Operations–Noninterest Income” below for a description and reconciliation of non-GAAP noninterest income.

(3) See “Results of Operations–Noninterest Expense” below for a description and reconciliation of non-GAAP noninterest expense and non-GAAP operating efficiency ratio.

(4) Ratio represents consolidated net income available to common stockholders divided by average assets.

(5) Ratio represents consolidated net income available to common stockholders divided by average SVBFG stockholders’ equity.

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(6) See “Capital Resources–Capital Ratios” for a reconciliation of non-GAAP tangible common equity to tangible assets and tangible common equity to risk-weighted assets.

(7) The operating efficiency ratio is calculated by dividing total noninterest expense by total taxable-equivalent net interest income plus noninterest income.

(8) Book value per common share is calculated by dividing total SVBFG stockholders’ equity by total outstanding common shares at period-end.

Non-GAAP Net Income and Non-GAAP Diluted Earnings Per Common Share

We use and report non-GAAP net income and non-GAAP diluted earnings per common share, which excludes, in the year applicable, gains from sales of certain available-for-sale securities as well as gains from the sale of certain assets related to our equity management services business. We believe these non-GAAP financial measures, when taken together with the corresponding GAAP financial measures, provide meaningful supplemental information regarding our performance by excluding certain items that do not occur every reporting period. Our management uses, and believes that investors benefit from referring to, these non-GAAP financial measures in assessing our operating results and related trends, and when planning, forecasting and analyzing future periods. However, these non-GAAP financial measures should be considered in addition to, not as a substitute for or preferable to, financial measures prepared in accordance with GAAP.

A reconciliation of GAAP to non-GAAP net income available to common stockholders and non-GAAP diluted earnings per common share for 2013 and 2012 is as follows:

	Year ended December 31,
(Dollars in thousands, except per share data and ratios)	2013		2012
Net income available to common stockholders	$	215,853	$	175,103
Less: gains on sales of available-for-sale securities (1)	—		(4,955		)
Tax impact of gains on sales of certain available-for-sale securities	—		1,974
Less: net gains on the sale of certain assets related to our equity management services business (2)	—		(4,243		)
Tax impact of net gains on the sale of certain assets related to our equity management services business	—		1,690
Non-GAAP net income available to common stockholders	$	215,853	$	169,569
GAAP earnings per common share—diluted	$	4.70	$	3.91
Less: gains on sales of certain available-for-sale securities (1)	—		(0.11		)
Tax impact of gains on sales of certain available-for-sale securities	—		0.05
Less: net gains on the sale of certain assets related to our equity management services business (2)	—		(0.10		)
Tax impact of net gains on the sale of certain assets related to our equity management services business	—		0.04
Non-GAAP earnings per common share—diluted	$	4.70	$	3.79
Weighted average diluted common shares outstanding	45,943,686		44,764,395

(1) Gains on the sales of $316 million in certain available-for-sale securities in the second quarter of 2012.

(2) Net gains of $4.2 million from the sale of certain assets related to our equity management services business in the second quarter of 2012.

Critical Accounting Policies and Estimates

Our accounting policies are fundamental to understanding our financial condition and results of operations. We have identified four policies as being critical because they require us to make particularly difficult, subjective and/or complex judgments about matters that are inherently uncertain, and because it is likely that materially different amounts would be reported under different conditions or using different assumptions. We evaluate our estimates and assumptions on an ongoing basis and we base these estimates on historical experiences and various other factors and assumptions that are believed to be reasonable under the circumstances. Actual results may differ materially from these estimates under different assumptions or conditions.

Our critical accounting policies include those that address the adequacy of the allowance for loan losses and reserve for unfunded credit commitments, measurements of fair value, the valuation of equity warrant assets and the recognition and measurement of income tax assets and liabilities. Our senior management has discussed and reviewed the development, selection, application and disclosure of these critical accounting policies with the Audit Committee of our Board of Directors.

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Allowance for Loan Losses and Reserve for Unfunded Credit Commitments

Allowance for Loan Losses

The allowance for loan losses is management's estimate of credit losses inherent in the loan portfolio at the balance sheet date. We consider our accounting policy for the allowance for loan losses to be critical as estimation of the allowance involves material estimates by us and is particularly susceptible to significant changes in the near term. Determining the allowance for loan losses requires us to make forecasts that are highly uncertain and require a high degree of judgment. Our loan loss reserve methodology is applied to our loan portfolio and we maintain the allowance for loan losses at levels that we believe are appropriate to absorb estimated probable losses inherent in our loan portfolio.

Our allowance for loan losses is established for loan losses that are probable but not yet realized. The process of anticipating loan losses is inherently imprecise. We apply a systematic process for the evaluation of individual loans and pools of loans for inherent risk of loan losses. On a quarterly basis, each loan in our portfolio is assigned a credit risk rating through an evaluation process, which includes consideration of such factors as payment status, the financial condition of the borrower, borrower compliance with loan covenants, underlying collateral values, potential loan concentrations, and general economic conditions.

The allowance for loan losses is based on a formula allocation for similarly risk-rated loans by client industry sector and individually for impaired loans. Our formula allocation is determined on a quarterly basis by utilizing a historical loan loss migration model, which is a statistical model used to estimate an appropriate allowance for outstanding loan balances by calculating the likelihood of a loan being charged-off based on its credit risk rating using historical loan performance data from our portfolio. The formula allocation provides the average loan loss experience for each portfolio segment, which considers our quarterly historical loss experience since the year 2000, both by risk-rating category and client industry sector. The resulting loan loss factors for each risk-rating category and client industry sector are ultimately applied to the respective period-end client loan balances for each corresponding risk-rating category by client industry sector to provide an estimation of the allowance for loan losses.

We apply qualitative allocations to the results we obtained through our historical loan loss migration model to ascertain the total allowance for loan losses. These qualitative allocations are based upon management's assessment of the risks that may lead to a loan loss experience different from our historical loan loss experience. These risks are aggregated to become our qualitative allocation. Based on management's prediction or estimate of changing risks in the lending environment, the qualitative allocation may vary significantly from period to period and includes, but is not limited to, consideration of the following factors:

• Changes in lending policies and procedures, including underwriting standards and collections, and charge-off and recovery practices;

• Changes in national and local economic business conditions, including the market and economic condition of our clients' industry sectors;

• Changes in the nature of our loan portfolio;

• Changes in experience, ability, and depth of lending management and staff;

• Changes in the trend of the volume and severity of past due and classified loans;

• Changes in the trend of the volume of nonaccrual loans, troubled debt restructurings, and other loan modifications;

• Reserve floor for portfolio segments that would not draw a minimum reserve based on the lack of historical loan loss experience;

• Reserve for large funded loan exposure; and

• Other factors as determined by management from time to time.

A committee comprised of senior management evaluates the adequacy of the allowance for loan losses.

Reserve for Unfunded Credit Commitments

The level of the reserve for unfunded credit commitments is determined following a methodology that parallels that used for the allowance for loan losses. We consider our accounting policy for the reserve for unfunded credit commitments to be critical as estimation of the reserve involves material estimates by our management and is particularly susceptible to significant changes in the near term. We record a liability for probable and estimable losses associated with our unfunded credit commitments. Each quarter, every unfunded client credit commitment is allocated to a credit risk-rating category in accordance with each client's credit risk rating. We use the historical loan loss factors described under our allowance for loan losses to calculate the possible loan loss experience if unfunded credit commitments are funded. Separately, we use historical trends to calculate the probability of an unfunded credit commitment being funded. We apply the loan funding probability factor to risk-

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factor adjusted unfunded credit commitments by credit risk-rating to derive the reserve for unfunded credit commitments. The reserve for unfunded credit commitments also includes certain qualitative allocations as deemed appropriate by management.

Fair Value Measurements

We use fair value measurements to record fair value for certain financial instruments and to determine fair value disclosures. Our available-for-sale securities, derivative instruments, marketable securities and certain non-marketable and other securities are financial instruments recorded at fair value on a recurring basis. We disclose our method and approach for fair value measurements of assets and liabilities in Note 2—“Summary of Significant Accounting Policies” of the “Notes to Consolidated Financial Statements” under Part II, Item 8 in this report.

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability (the “exit price”) in an orderly transaction between market participants at the measurement date. ASC 820, Fair Value Measurements and Disclosures, establishes a three-level hierarchy for disclosure of assets and liabilities recorded at fair value. The classification of assets and liabilities within the hierarchy is based on whether the significant inputs to the valuation methodology used for measurement are observable or unobservable and the significance of the level of the input to the entire measurement. Observable inputs reflect market-derived or market-based information obtained from independent sources, while unobservable inputs reflect our estimates about market data. The three levels for measuring fair value are defined in Note 2—“Summary of Significant Accounting Policies” of the “Notes to Consolidated Financial Statements” under Part II, Item 8 in this report.

It is our practice to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements. When available, we use quoted market prices to measure fair value. If market prices are not available, fair value measurement is based upon valuation techniques that use relevant inputs derived from primarily market-based or independently-sourced market parameters, including interest rate yield curves, prepayment speeds, option volatilities and currency rates. Substantially all of our financial instruments use the foregoing methodologies, collectively Level 1 and Level 2 measurements, to determine fair value adjustments recorded to our financial statements. However, in certain cases, when market observable inputs for valuation techniques may not be readily available, we are required to make judgments about assumptions market participants would use in estimating the fair value of the financial instrument, and the significance of those inputs in the entire measurement.

The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market parameters. For financial instruments that trade actively and have quoted market prices or observable market parameters, there is minimal subjectivity involved in measuring fair value. When observable market prices and parameters are not fully available, management judgment is necessary to estimate fair value. For inactive markets, there is little information, if any, to evaluate if individual transactions are orderly. Accordingly, we are required to estimate, based upon all available facts and circumstances, the degree to which orderly transactions are occurring and provide more weighting to price quotes that are based upon orderly transactions. In addition, changes in the market conditions may reduce the availability of quoted prices or observable data. For example, reduced liquidity in the capital markets or changes in secondary market activities could result in observable market inputs becoming unavailable. Therefore, when market data is not available, we use valuation techniques requiring more management judgment to estimate the appropriate fair value measurement. Accordingly, the degree of judgment exercised by management in determining fair value is greater for financial assets and liabilities categorized as Level 3. Our valuation processes include a number of key controls that are designed to ensure that fair value is measured appropriately.

The following table summarizes our financial assets and liabilities that are measured at fair value on a recurring basis as of December 31, 2013 and 2012:

	December 31,
	2013						2012
(Dollars in thousands)	Total Balance			Level 3			Total Balance			Level 3
Assets carried at fair value	$	13,331,120		$	1,314,951		$	12,244,783		$	859,141
As a percentage of total assets	50.5		%	5.0		%	53.8		%	3.8		%
Liabilities carried at fair value	$	14,013		$	—		$	13,437		$	—
As a percentage of total liabilities	0.1		%	—		%	0.1		%	—		%
	Level 1 and 2			Level 3			Level 1 and 2			Level 3
Percentage of assets measured at fair value	90.1		%	9.9		%	93.0		%	7.0		%

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As of December 31, 2013, our available-for-sale securities portfolio, consisting primarily of mortgage-backed securities and debentures issued by the U.S. government and its agencies, represented $12.0 billion, or 89.9 percent of our portfolio of assets measured at fair value on a recurring basis, compared to $11.3 billion, or 92.6 percent, as of December 31, 2012. These instruments were classified as Level 2 because their valuations were based on indicative prices corroborated by observable market quotes or valuation techniques with all significant inputs derived from or corroborated by observable market data. The fair value of our available-for-sale securities portfolio is sensitive to changes in levels of market interest rates and market perceptions of credit quality of the underlying securities. Market valuations and impairment analyses on assets in the available-for-sale securities portfolio are reviewed and monitored on a quarterly basis. Assets valued using Level 2 measurements also include certain equity warrant assets in shares of public company capital stock, marketable securities, interest rate swaps, foreign exchange forward and option contracts, loan conversion options and client interest rate derivatives.

To the extent available-for-sale securities are used to secure borrowings, changes in the fair value of those securities could have an impact on the total amount of secured financing available. We pledge securities to the Federal Home Loan Bank of San Francisco and the discount window at the Federal Reserve Bank. The market value of collateral pledged to the Federal Home Loan Bank of San Francisco (comprised primarily of U.S. agency debentures) at December 31, 2013 totaled $1.4 billion, all of which was unused and available to support additional borrowings. The market value of collateral pledged at the discount window of the Federal Reserve Bank in accordance with our liquidity risk management practices at December 31, 2013 totaled $578 million, all of which was unused and available to support additional borrowings. We have repurchase agreements in place with multiple securities dealers, which allow us to access short-term borrowings by using available-for-sale securities as collateral. At December 31, 2013, we had not utilized any of our repurchase lines to secure borrowed funds.

Financial assets valued using Level 3 measurements consist of our investments in venture capital and private equity funds and direct equity investments in privately-held companies, equity warrant assets in shares of private company capital stock and equity warrant assets and other investment securities in shares of public company stock subject to certain sales restrictions for which the sales restriction has not been lifted.

During 2013, the Level 3 assets that are measured at fair value on a recurring basis experienced net realized and unrealized gains of $420.3 million (which is inclusive of noncontrolling interest), primarily due to valuation increases in underlying investments in our managed funds, as well as gains from liquidity events and distributions. Additionally, we had strong net gains in 2013 from our equity warrant assets. During 2012 and 2011, the Level 3 assets that are measured at fair value on a recurring basis experienced net realized and unrealized gains of $104.7 million and $176.9 million (which is inclusive of noncontrolling interest), respectively.

Non-Marketable and Other Securities

Our non-marketable and other securities carried under fair value accounting consist of direct equity investments in privately-held companies, investments in venture capital and private equity funds, and direct equity investments in public companies. Our managed funds that hold these investments qualify as investment companies under the AICPA Audit and Accounting Guide for Investment Companies, and accordingly, these funds report their investments at estimated fair value, with unrealized gains and losses resulting from changes in fair value reflected as investment gains or losses in our consolidated statements of income. The estimated fair value of these securities is based primarily on financial information obtained as the general partner of the fund or obtained from the funds' respective general partner.

For direct private company investments, valuations are based upon consideration of a range of factors including, but not limited to, the price at which the investment was acquired, the term and nature of the investment, local market conditions, values for comparable securities, current and projected operating performance, exit strategies, and financing transactions subsequent to the acquisition of the investment. These valuation methodologies involve a significant degree of management judgment.

The valuation of our venture capital and private equity funds is primarily based upon our pro-rata share of the fair market value of the net assets of a fund as determined by such fund on the valuation date. We utilize the most recent available financial information from the investee general partner. We account for differences between our measurement date and the date of the fund investment's net asset value by using the most recent available financial information available from the investee general partner, for example, September 30^th for our December 31^st consolidated financial statements, adjusted for any contributions paid, distributions received from the investment, and known significant fund transactions or market events about which we are aware through information provided by the fund managers or from publicly available transaction data during the reporting period.

The valuation of direct equity investments in public companies are based on quoted market prices less a discount if the securities are subject to certain sales restrictions. Sales restriction discounts generally range from 10% to 20% depending on the duration of the sale restrictions which typically range from 3 to 6 months.

The valuation of non-marketable securities in shares of private company capital stock and the valuation of other securities in shares of public company stock with certain sales restrictions is subject to significant judgment. The inherent uncertainty in the process of valuing securities for which a ready market does not exist may cause our estimated values of these securities to

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differ significantly from the values that would have been derived had a ready market for the securities existed, and those differences could be material. The timing and amount of changes in fair value, if any, of these financial instruments depend upon factors beyond our control, including the performance of the underlying companies, fluctuations in the market prices of the preferred or common stock of the underlying companies, general volatility and interest rate market factors, and legal and contractual restrictions. The timing and amount of actual net proceeds, if any, from the disposition of these financial instruments depend upon factors beyond our control, including investor demand for IPOs, levels of M&A activity, legal and contractual restrictions on our ability to sell, and the perceived and actual performance of portfolio companies. All of these factors are difficult to predict and there can be no assurances that we will realize the full value of these securities, which could result in significant losses. (See “Risk Factors” under Item 1A of Part I above.)

Derivative Assets-Equity Warrant Assets

In connection with negotiated credit facilities and certain other services, we often obtain equity warrant assets giving us the right to acquire stock in primarily private, venture-backed companies in the technology and life science industries. Equity warrant assets for shares of private and public companies are recorded at fair value on the grant date and adjusted to fair value on a quarterly basis through consolidated net income.

We account for equity warrant assets with net settlement terms in certain private and public client companies as derivatives. In general, equity warrant assets entitle us to buy a specific number of shares of stock at a specific price within a specific time period. Certain equity warrant assets contain contingent provisions, which adjust the underlying number of shares or purchase price upon the occurrence of certain future events. Our warrant agreements typically contain net share settlement provisions, which permit us to receive at exercise a share count equal to the intrinsic value of the warrant divided by the share price (otherwise known as a “cashless” exercise).

The fair value of our equity warrant assets portfolio is reviewed quarterly. We value our equity warrant assets using a modified Black-Scholes option pricing model, which incorporates the following significant inputs:

• An underlying asset value, which is estimated based on current information available, including any information regarding subsequent rounds of funding for the entity issuing the warrant.

• Stated strike price, which can be adjusted for certain warrants upon the occurrence of subsequent funding rounds or other future events.

• Price volatility or the amount of uncertainty or risk about the magnitude of the changes in the underlying asset price. The volatility assumption is based on historical price volatility of publicly traded companies within indices similar in nature to the underlying client companies issuing the warrant. The actual volatility input is based on the median volatility for an individual public company within an index, averaged for the past 16 quarters. The weighted average quarterly median volatility assumption used for the warrant valuation at December 31, 2013 was 40.1 percent, compared to 45.2 percent at December 31, 2012.

• Actual data on cancellations and exercises of our equity warrant assets are utilized as the basis for determining the expected remaining life of the equity warrant assets in each financial reporting period. Equity warrant assets may be exercised in the event of acquisitions, mergers or IPOs, and cancelled due to events such as bankruptcies, restructuring activities or additional financings. These events cause the expected remaining life assumption to be shorter than the contractual term of the warrants. The remaining life assumption used for the valuation of our private warrant portfolio was 45.0 percent at December 31, 2013 and 2012.

• The risk-free interest rate is derived from the Treasury yield curve and is calculated based on a weighted average of the risk-free interest rates that correspond closest to the expected remaining life of the warrant. The weighted average risk-free interest rate used for the equity warrant assets portfolio valuation was 0.8 percent at December 31, 2013 and 0.4 percent at December 31, 2012.

• A discount applied to all private company warrants to account for a general lack of marketability due to the private nature of the associated underlying company. The discount is based on long-run averages and is influenced over time by various factors, including market conditions. The marketability discount used for the valuation of our private warrant portfolio was 22.5 percent at December 31, 2013 and 2012.

• A discount applied to all public company warrants subject to certain sales restrictions. As the sales restriction term nears, and other sale restrictions are lifted, discounts are adjusted downward to 0 percent once all restrictions expire or are removed. The weighted average sales restrictions discount used for the valuation of our public warrant portfolio was 13.7 percent at December 31, 2013. There were no sales restriction discounts applied to our public warrant portfolio at December 31, 2012.

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The fair value of our equity warrant assets recorded on our balance sheets represents our best estimate of the fair value of these instruments. Changes in the above inputs may result in significantly different valuations.

The timing and value realized from the disposition of equity warrant assets depend upon factors beyond our control, including the performance of the underlying portfolio companies, investor demand for IPOs, fluctuations in the price of the underlying common stock of these private and public companies, levels of M&A activity, and legal and contractual restrictions on our ability to sell the underlying securities. All of these factors are difficult to predict. Many equity warrant assets may be terminated or may expire without compensation and may incur valuation losses from lower-priced funding rounds. We are unable to predict future gains or losses with accuracy, and gains or losses could vary materially from period to period.

We consider our accounting policy for equity warrant assets to be critical as the valuation of these assets is complex and subject to a certain degree of management judgment. Management has the ability to select from several valuation techniques and has alternative approaches in the calculation of significant inputs. The selection of alternative valuation techniques or alternative approaches used to calculate significant inputs in the current methodology may cause our estimated values of these assets to differ significantly from the values recorded. Additionally, the inherent uncertainty in the process of valuing these assets for which a ready market is unavailable may cause our estimated values of these assets to differ significantly from the values that would have been derived had a ready market for the assets existed, and those differences could be material. Further, the fair value of equity warrant assets may never be realized, which could result in significant losses.

Income Taxes

We are subject to income tax laws of the United States, its states and municipalities and those of the foreign jurisdictions in which we operate. Income taxes are accounted for using the asset and liability method. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax-basis carrying amount. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. A valuation allowance is provided when management assesses available evidence and exercises their judgment that it is more likely than not that some portion of the deferred tax asset will not be realized.

We consider our accounting policy relating to income taxes to be critical as the determination of current and deferred income taxes is based on complex analyses of many factors including interpretation of federal, state and foreign income tax laws, the difference between tax and financial reporting bases of assets and liabilities (temporary differences), estimates of amounts due or owed, the timing of reversals of temporary differences and current financial accounting standards. Actual results could differ significantly from the estimates due to tax law interpretations used in determining the current and deferred income tax liabilities. Additionally, there can be no assurances that estimates and interpretations used in determining income tax liabilities may not be challenged by federal and state taxing authorities.

In establishing a provision for income tax expense, we must make judgments and interpretations about the application of these inherently complex tax laws. We must also make estimates about when in the future certain items will affect taxable income in the various tax jurisdictions, both domestic and foreign. We evaluate our uncertain tax positions in accordance with ASC 740, Income Taxes. We believe that our unrecognized tax benefits, including related interest and penalties, are adequate in relation to the potential for additional tax assessments.

We are also subject to routine corporate tax audits by the various tax jurisdictions. In the preparation of income tax returns, tax positions are taken based on interpretation of federal and state income tax laws as well as foreign tax laws. We review our uncertain tax positions quarterly, and we may adjust these unrecognized tax benefits in light of changing facts and circumstances, such as the closing of a tax audit or the refinement of an estimate. To the extent that the final tax outcome of these matters is different than the amounts recorded, such differences will impact income tax expense in the period in which such determination is made.

Results of Operations

Net Interest Income and Margin (Fully Taxable Equivalent Basis)

Net interest income is defined as the difference between interest earned on loans, available-for-sale securities and short-term investment securities, and interest paid on funding sources. Net interest income is our principal source of revenue. Net interest margin is defined as the amount of annualized net interest income, on a fully taxable equivalent basis, expressed as a percentage of average interest-earning assets. Net interest income and net interest margin are presented on a fully taxable equivalent basis to consistently reflect income from taxable loans and securities and tax-exempt securities based on the federal statutory tax rate of 35.0 percent.

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Analysis of Net Interest Income Changes Due to Volume and Rate (Fully Taxable Equivalent Basis)

Net interest income is affected by changes in the amount and mix of interest-earning assets and interest-bearing liabilities, referred to as “volume change.” Net interest income is also affected by changes in yields earned on interest-earning assets and rates paid on interest-bearing liabilities, referred to as “rate change.” The following table sets forth changes in interest income for each major category of interest-earning assets and interest expense for each major category of interest-bearing liabilities. The table also reflects the amount of simultaneous changes attributable to both volume and rate changes for the years indicated. For this table, changes that are not solely due to either volume or rate are allocated in proportion to the percentage changes in average volume and average rate.

	2013 compared to 2012									2012 compared to 2011
	Year ended December 31, increase (decrease) due to change in									Year ended December 31, increase (decrease) due to change in
(Dollars in thousands)	Volume			Rate			Total			Volume			Rate			Total
Interest income:
Federal Reserve deposits, federal funds sold, securities purchased under agreements to resell and other short-term investment securities	$	389		$	(480	)	$	(91	)	$	(2,701	)	$	360		$	(2,341	)
Available-for-sale securities (taxable)	(1,279		)	9,578			8,299			22,564			(16,150		)	6,414
Available-for-sale securities (non-taxable)	(497		)	(61		)	(558		)	(160		)	69			(91		)
Loans, net of unearned income	105,518			(32,460		)	73,058			109,952			(30,636		)	79,316
Increase (decrease) in interest income, net	104,131			(23,423		)	80,708			129,655			(46,357		)	83,298
Interest expense:
NOW deposits	106			30			136			58			15			73
Money market deposits	2,257			168			2,425			391			(953		)	(562		)
Money market deposits in foreign offices	33			(1		)	32			(10		)	(160		)	(170		)
Time deposits	50			(12		)	38			(408		)	(98		)	(506		)
Sweep deposits in foreign offices	(162		)	(1		)	(163		)	(231		)	(806		)	(1,037		)
Total increase (decrease) in deposits expense	2,284			184			2,468			(200		)	(2,002		)	(2,202		)
Short-term borrowings	(108		)	50			(58		)	102			10			112
5.375% Senior Notes	11			(21		)	(10		)	11			14			25
3.875% Convertible Notes	—			—			—			(4,210		)	—			(4,210		)
Junior Subordinated Debentures	(11		)	20			9			(10		)	9			(1		)
5.70% Senior Notes	(863		)	—			(863		)	(1,619		)	605			(1,014		)
6.05% Subordinated Notes	(16		)	(15		)	(31		)	(712		)	(53		)	(765		)
Other long-term debt	(92		)	—			(92		)	(429		)	227			(202		)
Total (decrease) increase in borrowings expense	(1,079		)	34			(1,045		)	(6,867		)	812			(6,055		)
Increase (decrease) in interest expense, net	1,205			218			1,423			(7,067		)	(1,190		)	(8,257		)
Increase (decrease) in net interest income	$	102,926		$	(23,641	)	$	79,285		$	136,722		$	(45,167	)	$	91,555

Net Interest Income (Fully Taxable Equivalent Basis)

2013 compared to 2012

Net interest income increased by $79.3 million to $699.1 million in 2013, compared to $619.8 million in 2012. Overall, we saw an increase in our net interest income primarily due to higher average loan balances and a higher overall yield on our available-for-sale-securities portfolio, primarily from lower premium amortization expense. These increases were partially offset by lower yields earned on our loans and available-for-sale securities.

The main factors affecting interest income and interest expense for 2013, compared to 2012, are discussed below:

• Interest income for 2013 increased by $80.7 million primarily due to:

◦ A $73.1 million increase in interest income on loans to $542.2 million in 2013, compared to $469.1 million in 2012. This increase was reflective of an increase in average loan balances of $1.8 billion, partially offset by a decrease of 41 basis points in the overall yield on our loan portfolio. The decrease in yields was reflective of a shift in the mix of our late stage and sponsor-led buyout portfolios from national Prime rate, to LIBOR, indexed loans, in addition to, lower rates on existing and new capital call lines, as a result of increased competition.

41

We expect our loan yields will continue to be impacted by the shift in the mix of our late stage and sponsor-led buyout loans, as well as, increased pressure on the yield of our capital call lines in 2014, as a result of increased competition and the overall low interest rate environment. The 3-month LIBOR index rate was approximately 300 basis points lower than the national Prime rate at December 31, 2013.

◦ A $7.7 million increase in interest income on available-for-sale securities to $185.1 million in 2013, compared to $177.3 million in 2012. The increase of $7.7 million was primarily due to:

▪ An increase of $25.8 million resulting from the decrease in premium amortization expense. Premium amortization expense for the year ended is $29.8 million, compared to $55.6 million. The decrease in premium amortization expense is reflective of higher treasury rates during 2013 resulting in a slow-down of prepayments during 2013 as compared to 2012. Average 5-year, and 10-year, treasury bill rates were higher by 41, and 55, basis points, respectively, for 2013 as compared to 2012.

▪ A decrease of $16.3 million as a result of a decline in yields and $1.6 million reflective of lower volume resulting from the strategic timing of the investment of excess cash during the low interest rate environment throughout most of 2013.

▪ Interest income, excluding premium amortization expense, for the year ended is $215.0 million, compared to $232.9 million.

• Interest expense for 2013 increased by $1.4 million primarily due to:

◦ An increase in interest expense from interest-bearing deposits of $2.5 million, primarily due to an $831 million increase in average money market deposits at a slightly higher yield in 2013 compared to 2012.

◦ A decrease in interest expense of $1.0 million related to our long-term debt, primarily due to the maturity and repayment of our 5.70% Senior Notes of $141.0 million on June 1, 2012.

2012 compared to 2011

Net interest income increased by $91.6 million to $619.8 million in 2012, compared to $528.2 million in 2011. Overall, we saw an increase in our net interest income primarily due to higher average loan balances and growth in our available-for-sale securities portfolio, which has increased as a result of our continued growth in deposits. These increases were partially offset by lower yields earned on our loans and available-for-sale securities.

The main factors affecting interest income and interest expense for 2012 compared to 2011 are discussed below:

• Interest income for 2012 increased by $83.3 million primarily due to:

◦ A $79.3 million increase in interest income on loans to $469.1 million in 2012, compared to $389.8 million in 2011. This increase was reflective of an increase in average loan balances of $1.7 billion, partially offset by a decrease of 49 basis points in the overall yield on our loan portfolio. The decrease in yields was reflective of a continued shift in the mix of our loans that are indexed to the national Prime rate versus the SVB Prime rate. We expect our loan yields will continue to be impacted by this shift in the mix of our loans in 2013, as we expect we will continue to index more loans to the national Prime rate, instead of our SVB Prime rate. The national Prime rate was 75 basis points lower than the SVB Prime rate as of December 31, 2012.

◦ A $6.3 million increase in interest income on available-for-sale securities to $177.3 million in 2012, compared to $171.0 million in 2011. The increase of $6.3 million was primarily due to:

▪ A $22.4 million increase related to higher average balances of $1.3 billion.

▪ An $11.6 million increase related to higher yields, reflective of a shift in our portfolio to a smaller proportion of lower-yielding variable-rate securities as we did not purchase any of these securities in 2012. For 2012, average variable-rate securities were $2.1 billion, or 19.7 percent of our portfolio, compared to $2.7 billion, or 28.9 percent for 2011. The coupon rate on these securities resets based on changes in the one-month LIBOR rate.

▪ A $27.7 million decrease related to higher premium amortization expense, which increased to $55.6 million in 2012 from $27.9 million in 2011. The increase in premium amortization expense was reflective of an increase in mortgage prepayment levels on our fixed rate mortgage securities. As of December 31, 2012, the remaining unamortized premium balance on our available-for-sale securities portfolio was $115.0 million.

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• Interest expense for 2012 decreased by $8.3 million primarily due to:

◦ A decrease in interest expense of $6.2 million related to our long-term debt, primarily due to the maturity of $250.0 million of our 3.875% Convertible Notes in April 2011, as well as the repurchase of $109 million of our 5.70% Senior Notes and $204 million of our 6.05% Subordinated Notes in May 2011.

◦ A decrease in interest expense from interest-bearing deposits of $2.2 million, primarily due to decreases in rates paid on deposits throughout 2011, which was reflective of market rates.

Net Interest Margin (Fully Taxable Equivalent Basis)

Our net interest margin increased to 3.29 percent in 2013, compared to 3.19 percent in 2012 and 3.08 percent in 2011.

The net interest income factors discussed above affected our net interest margin in 2013 as follows:

• A 14 basis point increase in net interest margin due to increased net interest income from loans, primarily from an increase of $1.8 billion in average loan balances (higher-yielding assets).

• A 4 basis point decrease in net interest margin due to a larger proportion of our available for sale securities portfolio, invested in lower-yielding US Agency securities.

The net interest income factors discussed above affected our net interest margin in 2012 as follows:

• An increase in net interest margin from an increase of $1.7 billion in average loan balances (higher-yielding assets).

• An increase in net interest margin from lower cash balances as a result of deployment into available-for-sale securities, which has resulted in a favorable change in our mix of interest-earning assets.

• An increase in net interest margin from an increase in yields on our available-for-sale securities, which was reflective of a shift in our portfolio to a smaller proportion of lower-yielding variable-rate securities.

• A decrease in net interest margin from a decrease in the overall yield on our loan portfolio resulting from changes in loan mix.

• A decrease in net interest margin from an increase in premium amortization expense on our available-for-sale securities portfolio.

Average Balances, Yields and Rates Paid (Fully Taxable Equivalent Basis)

The average yield earned on interest-earning assets is the amount of annualized fully taxable equivalent interest income expressed as a percentage of average interest-earning assets. The average rate paid on funding sources is the amount of annualized interest expense expressed as a percentage of average funding sources. The following tables set forth average assets, liabilities, noncontrolling interests and SVBFG stockholders’ equity, interest income, interest expense, annualized yields and rates, and the composition of our annualized net interest margin in 2013, 2012 and 2011:

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Average Balances, Yields and Rates Paid for the Year-Ended December 31, 2013, 2012 and 2011

	Year ended December 31,
	2013								2012								2011
(Dollars in thousands)	Average Balance			Interest Income/ Expense			Yield/ Rate		Average Balance			Interest Income/ Expense			Yield/ Rate		Average Balance			Interest Income/ Expense			Yield/ Rate
Interest-earning assets:
Federal Reserve deposits, federal funds sold, securities purchased under agreements to resell and other short-term investment securities (1)	$	1,309,770		$	4,054		0.31	%	$	1,191,805		$	4,145		0.35	%	$	1,974,001		$	6,486		0.33	%
Available-for-sale securities: (2)
Taxable	10,516,177			180,162			1.71		10,594,533			171,863			1.62		9,256,688			165,449			1.79
Non-taxable (3)	82,702			4,925			5.96		91,031			5,483			6.02		93,693			5,574			5.95
Total loans, net of unearned income (4) (5)	9,351,378			542,204			5.80		7,558,928			469,146			6.21		5,815,071			389,830			6.70
Total interest-earning assets	21,260,027			731,345			3.44		19,436,297			650,637			3.35		17,139,453			567,339			3.31
Cash and due from banks	274,272								303,156								283,596
Allowance for loan losses	(122,489		)						(102,068		)						(88,104		)
Other assets (6)	1,798,937								1,673,787								1,335,554
Total assets	$	23,210,747							$	21,311,172							$	18,670,499
Funding sources:
Interest-bearing liabilities:
NOW deposits	$	135,585		$	479		0.35	%	$	105,060		$	343		0.33	%	$	87,099		$	270		0.31	%
Money market deposits	3,534,466			6,994			0.20		2,703,434			4,569			0.17		2,508,279			5,131			0.20
Money market deposits in foreign offices	159,700			156			0.10		125,962			124			0.10		130,693			294			0.22
Time deposits	168,209			634			0.38		154,917			596			0.38		258,810			1,102			0.43
Sweep deposits in foreign offices	1,729,228			865			0.05		2,055,209			1,028			0.05		2,346,076			2,065			0.09
Total interest-bearing deposits	5,727,188			9,128			0.16		5,144,582			6,660			0.13		5,330,957			8,862			0.17
Short-term borrowings	27,018			79			0.29		70,802			137			0.19		16,994			25			0.15
5.375% Senior Notes	348,094			19,259			5.53		347,886			19,269			5.54		347,689			19,244			5.53
3.875% Convertible Notes	—			—			—		—			—			—		71,108			4,210			5.92
Junior Subordinated Debentures	55,115			3,333			6.05		55,291			3,324			6.01		55,467			3,325			5.99
5.70% Senior Notes	—			—			—		59,375			863			1.45		185,956			1,877			1.01
6.05% Subordinated Notes	53,275			478			0.90		55,079			509			0.92		131,899			1,274			0.97
Other long-term debt	—			—			—		481			92			19.13		4,704			294			6.25
Total interest-bearing liabilities	6,210,690			32,277			0.52		5,733,496			30,854			0.54		6,144,774			39,111			0.64
Portion of noninterest-bearing funding sources	15,049,337								13,702,801								10,994,679
Total funding sources	21,260,027			32,277			0.15		19,436,297			30,854			0.16		17,139,453			39,111			0.23
Noninterest-bearing funding sources:
Demand deposits	13,892,006								12,765,506								10,237,844
Other liabilities	331,343								350,610								268,721
SVBFG stockholders’ equity	1,927,674								1,735,281								1,448,398
Noncontrolling interests	849,034								726,279								570,762
Portion used to fund interest-earning assets	(15,049,337		)						(13,702,801		)						(10,994,679		)
Total liabilities, noncontrolling interest, and SVBFG stockholders’ equity	$	23,210,747							$	21,311,172							$	18,670,499
Net interest income and margin				$	699,068		3.29	%				$	619,783		3.19	%				$	528,228		3.08	%
Total deposits	$	19,619,194							$	17,910,088							$	15,568,801
Reconciliation to reported net interest income:
Adjustments for taxable equivalent basis				(1,724		)						(1,919		)						(1,951		)
Net interest income, as reported				$	697,344							$	617,864							$	526,277

(1) Includes average interest-earning deposits in other financial institutions of $191 million, $250 million and $324 million in 2013, 2012 and 2011, respectively. For 2013, 2012 and 2011, balances also include $1.0 billion, $0.7 billion and $1.4 billion, respectively, deposited at the FRB, earning interest at the Federal Funds target rate.

(2) Yields on available-for-sale securities are based on amortized cost, and therefore do not give effect to unrealized changes in fair value that are reflected in other comprehensive income.

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(3) Interest income on non-taxable available-for-sale securities is presented on a fully taxable-equivalent basis using the federal statutory income tax rate of 35.0 percent for all periods presented.

(4) Nonaccrual loans are reflected in the average balances of loans.

(5) Interest income includes loan fees of $84.3 million, $76.1 million and $65.9 million in 2013, 2012 and 2011, respectively.

(6) Average investment securities of $1.3 billion, $1.3 billion and $1.0 billion in 2013, 2012 and 2011, respectively, were classified as other assets as they were noninterest-earning assets. These investments primarily consisted of non-marketable and other securities.

Provision for Loan Losses

Our provision for loan losses is based on our evaluation of the existing allowance for loan losses in relation to total gross loans using historical and other objective information, and on our qualitative assessment of the inherent and identified credit risks of the loan portfolio. For a more detailed discussion of credit quality and the allowance for loan losses, see “Management's Discussion and Analysis of Financial Condition and Results of Operations-Critical Accounting Policies and Estimates” and “-Consolidated Financial Condition-Credit Quality and the Allowance for Loan Losses” below.

The following table summarizes our allowance for loan losses for 2013, 2012 and 2011, respectively:

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Allowance for loan losses, beginning balance	$	110,651		$	89,947		$	82,627
Provision for loan losses	63,693			44,330			6,101
Gross loan charge-offs	(42,666		)	(33,319		)	(23,904		)
Loan recoveries	11,208			9,693			25,123
Allowance for loan losses, ending balance	$	142,886		$	110,651		$	89,947
Provision for loan losses as a percentage of total gross loans	0.58		%	0.49		%	0.09		%
Gross loan charge-offs as a percentage of average total gross loans	0.45			0.44			0.41
Net loan charge-offs (recoveries) as a percentage of average total gross loans	0.33			0.31			(0.02		)
Allowance for loan losses as a percentage of period-end total gross loans	1.30			1.23			1.28
Period-end total gross loans	$	10,995,268		$	9,024,248		$	7,030,321
Average total gross loans	9,431,128			7,623,417			5,863,319

We had a provision for loan losses of $63.7 million in 2013, compared to a provision of $44.3 million in 2012. The provision of $63.7 million in 2013 was primarily driven by net charge-offs of $31.5 million and period-end loan growth of $2.0 billion resulting in a provision of $21.9 million. Gross loan charge-offs of $42.7 million and loan recoveries of $11.2 million were primarily from our hardware, software and other commercial client portfolios.

We had a provision for loan losses of $44.3 million in 2012, compared to a provision of 6.1 million in 2011. The provision of $44.3 million in 2012 was primarily due to net charge-offs of $23.6 million as well as a provision of $23.1 million reflective of period-end loan growth of $2.0 billion. Gross loan charge-offs of $33.3 million in 2012 were primarily from our hardware client portfolio. Loan recoveries of $9.7 million in 2012 were primarily from our software client portfolio.

Our impaired loans totaled $52 million at December 31, 2013, compared to $38 million at December 31, 2012. The allowance for loan losses related to impaired loans was $21 million at December 31, 2013, compared to $6 million at December 31, 2012. The increase came primarily from four loans within our software and hardware portfolios.

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Noninterest Income

A summary of noninterest income for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012		% Change 2013/2012		2011		% Change 2012/2011
Non-GAAP core fee income:
Foreign exchange fees	$	57,411	$	52,433	9.5	%	$	45,774	14.5	%
Deposit service charges	35,948		33,421		7.6		31,208		7.1
Credit card fees	32,461		24,809		30.8		18,741		32.4
Lending related fees (1)	20,980		18,038		16.3		8,925		102.1
Letters of credit and standby letters of credit fees	14,716		15,150		(2.9	)	12,201		24.2
Client investment fees	13,959		14,539		(4.0	)	12,421		17.1
Total non-GAAP core fee income (2)	175,475		158,390		10.8		129,270		22.5
Gains on investment securities, net	419,408		122,114		NM		195,034		(37.4	)
Gains on derivative instruments, net	42,184		18,679		125.8		36,798		(49.2	)
Other (1)	36,139		36,363		(0.6	)	21,230		71.3
Total noninterest income	$	673,206	$	335,546	100.6		$	382,332	(12.2	)

NM—Not meaningful

(1) Lending related fees consists of fee income associated with credit commitments such as unused commitment fees, syndication fees and other loan processing fees and, historically, has been included in other noninterest income. Prior period amounts have been reclassified to conform with the current period presentation.

(2) The following table provides a reconciliation of GAAP noninterest income to non-GAAP core fee income:

	Year ended December 31,
(Dollars in thousands)	2013		2012		% Change 2013/2012		2011		% Change 2012/2011
GAAP noninterest income (as reported)	$	673,206	$	335,546	100.6	%	$	382,332	(12.2	)%
Less: gains on investment securities, net	419,408		122,114		NM		195,034		(37.4	)
Less: gains on derivative instruments, net	42,184		18,679		125.8		36,798		(49.2	)
Less: other noninterest income	36,139		36,363		(0.6	)	21,230		71.3
Non-GAAP core fee income (1)	$	175,475	$	158,390	10.8		$	129,270	22.5

NM—Not meaningful

(1) This non-GAAP measure represents noninterest income, but excludes certain line items where performance is typically subject to market or other conditions beyond our control.

Included in net income is income and expense attributable to noncontrolling interests. We recognize, as part of our investment funds management business through SVB Capital and Debt Fund Investments, the entire income or loss from funds where we own significantly less than 100% of the investment. We are required under GAAP to consolidate 100% of the results of entities that we are deemed to control, even though we may own less than 100% of such entities. The relevant amounts attributable to investors other than us are reflected under “Net Income Attributable to Noncontrolling Interests” on our statements of income. Where applicable, the non-GAAP tables presented below for noninterest income and net gains on investment securities exclude noncontrolling interests, as well as gains from sales of certain available-for-sale-securities and certain other assets. We believe these non-GAAP financial measures, when taken together with the corresponding GAAP financial measures, provide meaningful supplemental information regarding our performance by excluding certain items that represent income attributable to investors other than us and our subsidiaries. Our management uses, and believes that investors benefit from referring to, these non-GAAP financial measures in assessing our operating results and when planning, forecasting and analyzing future periods. However, these non-GAAP financial measures should be considered in addition to, not as a substitute for or preferable to, financial measures prepared in accordance with GAAP.

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The following table provides a summary of non-GAAP noninterest income, net of noncontrolling interests:

	Year ended December 31,
Non-GAAP noninterest income, net of  noncontrolling interests (Dollars in thousands)	2013		2012		% Change 2013/2012		2011		% Change 2012/2011
GAAP noninterest income (as reported)	$	673,206	$	335,546	100.6	%	$	382,332	(12.2	)%
Less: income attributable to noncontrolling interests, including carried interest	342,904		85,940		NM		122,336		(29.8	)
Non-GAAP noninterest income, net of noncontrolling interests	330,302		249,606		32.3		259,996		(4.0	)
Less: gains on sales of certain available-for-sale securities	—		4,955		(100.0	)	37,314		(86.7	)
Less: net gains on the sale of certain assets related to our equity management services business	—		4,243		(100.0	)	—		—
Non-GAAP noninterest income, net of noncontrolling interests and excluding gains on sales of certain assets	$	330,302	$	240,408	37.4		$	222,682	8.0

NM—Not meaningful

Foreign Exchange Fees

Foreign exchange fees represent the income differential between purchases and sales of foreign currency on behalf of our clients and offsetting trades with correspondent banks. Foreign exchange fees were $57.4 million in 2013, compared to $52.4 million and $45.8 million in 2012 and 2011, respectively. The increases reflect improving business conditions for our clients, which has resulted in a higher number of trades as well as an improvement in our spread. Additionally, the increase has been influenced by growth in our larger, later-stage client base that typically uses more foreign exchange products.

Credit Card Fees

Credit card fees were $32.5 million in 2013, compared to $24.8 million and $18.7 million in 2012 and 2011, respectively. The increases reflect increased client awareness of our credit card products and the introduction of custom payment solutions, which has resulted in new credit card clients and an increase in client activity. Custom payment solutions primarily utilize virtual cards for clients with high volume payment processing needs.

Lending Related Fees

Lending related fees were $21.0 million in 2013, compared to $18.0 million and $8.9 million in 2012 and 2011, respectively. The increase in 2013 is due to an increase in unused commitment fees as our loan commitments available for funding balance increased from $8 billion to $10 billion. The increase in 2012 included a $5.9 million increase in unused commitment fees, primarily resulting from the prospective reclassification of certain fees from interest income to noninterest income. The comparable amount of these fees included in interest income in 2011 was $5.2 million.

Client Investment Fees

We offer a variety of investment products on which we earn fees. These products include money market mutual funds, overnight repurchase agreements, sweep money market funds and fixed income securities available through client-directed accounts offered through SVB Securities, our broker dealer subsidiary, and fixed income management services offered through SVB Asset Management, our investment advisory subsidiary.

Client investment fees were $14.0 million in 2013, compared to $14.5 million and $12.4 million in 2012 and 2011, respectively. The decrease in 2013 from 2012 is reflective of lower margins earned on certain products owing to the overall low rates in the short-term fixed income markets. The increase in 2012 from 2011 was primarily a result of our clients' increased utilization of our off-balance sheet sweep money market funds. The following table summarizes average client investment funds for 2013, 2012 and 2011:

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	Year ended December 31,
(Dollars in millions)	2013		2012		% Change 2013/2012		2011		% Change 2012/2011
Client directed investment assets (1)	$	7,207	$	7,335	(1.7	)%	$	8,683	(15.5	)%
Client investment assets under management	11,772		10,282		14.5		8,803		16.8
Sweep money market funds	5,240		2,596		101.8		250		NM
Total average client investment funds (2)	$	24,219	$	20,213	19.8		$	17,736	14.0

NM—Not meaningful

(1) Comprised of mutual funds and Repurchase Agreement Program assets.

(2) Client investment funds are maintained at third party financial institutions and are not recorded on our balance sheet.

The following table summarizes period-end client investment funds at December 31, 2013, 2012 and 2011:

	December 31,
(Dollars in millions)	2013		2012		% Change 2013/2012		2011		% Change 2012/2011
Client directed investment assets	$	7,073	$	7,604	(7.0	)%	$	7,709	(1.4	)%
Client investment assets under management	12,677		10,824		17.1		9,919		9.1
Sweep money market funds	6,613		4,085		61.9		1,116		NM
Total period-end client investment funds	$	26,363	$	22,513	17.1		$	18,744	20.1

NM—Not meaningful

Gains on Investment Securities, Net

Net gains on investment securities include both gains from our non-marketable and other securities, as well as gains from sales of our available-for-sale securities portfolio, when applicable.

Our available-for-sale securities portfolio is a fixed income investment portfolio that is managed to earn an appropriate portfolio yield over the long-term while maintaining sufficient liquidity and credit diversification as well as addressing our asset/liability management objectives. Though infrequent, the sale of investments from our available-for-sale portfolio results in net gains or losses on investment securities, and are within the guidelines of our investment policy of managing our liquidity position and interest rate risk. Pre-tax gains from the sale of certain available-for-sale securities were minimal during 2013 and 2012.

Our non-marketable and other securities portfolio primarily represents investments in venture capital and private equity funds, venture debt funds and private and public portfolio companies. We experience variability in the performance of our non-marketable and other securities from period to period, which results in net gains or losses on investment securities (both realized and unrealized). This variability is due to a number of factors, including unrealized changes in the fair value of our investments, changes in the amount of realized gains from distributions, or changes in liquidity events and general economic and market conditions. Unrealized gains from non-marketable and other securities for any single period are typically driven by valuation changes, and are therefore subject to potential increases or decreases in future periods. Such variability may lead to volatility in the gains or losses from investment securities and as such our results for a particular period are not necessarily indicative of our expected performance in a future period.

The extent to which any unrealized gains will become realized is subject to a variety of factors, including, among other things, the expiration of certain sales restrictions to which these securities are subject, the actual sales of securities and the timing of such actual sales.

In 2013 we had net gains on investment securities of $419.4 million, compared to $122.1 million and $195.0 million in 2012 and 2011, respectively. Net gains on investment securities, net of noncontrolling interests and excluding gains on sales of certain available-for-sale securities, were $77.3 million in 2013, compared to $31.5 million and $32.7 million in 2012 and 2011, respectively. Net gains, net of noncontrolling interests and excluding gains on sales of certain available-for-sale securities, of $77.3 million in 2013 were driven by the following:

• Gains of $42.1 million from our managed direct venture funds, primarily driven by the increase in valuation and carried interest allocations related to FireEye and Twitter. Both FireEye and Twitter are each subject to a lock-up agreement.

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• Gains of $15.0 million mainly attributable to four of our managed funds of funds, primarily related to unrealized valuation increases due to strong IPO and other exit activity across the portfolio.

• Gains of $10.2 million from our strategic and other investments, primarily driven by strong distributions from strategic venture capital fund investments.

• Gains of $9.4 million from our investments in debt funds, primarily due to our pro-rata interest in equity gains in the fund portfolio.

The following tables provide a summary of non-GAAP net gains on investment securities, net of noncontrolling interests, for 2013, 2012 and 2011:

(Dollars in thousands)	Managed Funds of Funds		Managed Direct Venture Funds		Debt Funds			Available- For-Sale Securities			Strategic and Other Investments		Total
Year ended December 31, 2013
Total gains on investment securities, net	$	169,749	$	229,506	$	9,440		$	538		$	10,175	$	419,408
Less: gains (losses) attributable to noncontrolling interests, including carried interest	154,741		187,392		(5		)	—			—		342,128
Non-GAAP net gains on investment securities, net of noncontrolling interests	15,008		42,114		9,445			538			10,175		77,280
Less: gain on sales of certain available-for-sale securities	—		—		—			—			—		—
Non-GAAP net gains on investment securities, net of noncontrolling interests and excluding gains on sales of certain available-for-sale securities	$	15,008	$	42,114	$	9,445		$	538		$	10,175	$	77,280
Year ended December 31, 2012
Total gains on investment securities, net	$	44,198	$	54,662	$	12,381		$	4,241		$	6,632	$	122,114
Less: gains attributable to noncontrolling interests, including carried interest	40,828		44,778		34			—			—		85,640
Non-GAAP net gains on investment securities, net of noncontrolling interests	3,370		9,884		12,347			4,241			6,632		36,474
Less: gain on sales of certain available-for-sale securities	—		—		—			4,955			—		4,955
Non-GAAP net gains (losses) on investment securities, net of noncontrolling interests and excluding gains on sales of certain available-for-sale securities	$	3,370	$	9,884	$	12,347		$	(714	)	$	6,632	$	31,519
Year ended December 31, 2011
Total gains on investment securities, net	$	119,095	$	20,629	$	7,774		$	37,127		$	10,409	$	195,034
Less: gains attributable to noncontrolling interests, including carried interest	106,870		18,147		25			—			—		125,042
Non-GAAP net gains on investment securities, net of noncontrolling interests	12,225		2,482		7,749			37,127			10,409		69,992
Less: gain on sales of certain available-for-sale securities	—		—		—			37,314			—		37,314
Non-GAAP net gains (losses) on investment securities, net of noncontrolling interests and excluding gains on sales of certain available-for-sale securities	$	12,225	$	2,482	$	7,749		$	(187	)	$	10,409	$	32,678

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Gains on Derivative Instruments, Net

A summary of gains on derivative instruments, net, for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013			2012			% Change 2013/2012		2011			% Change 2012/2011
Equity warrant assets (1):
Gains on exercises, net	$	8,716		$	10,000		(12.8	)%	$	17,864		(44.0	)%
Change in fair value:
Cancellations and expirations	(450		)	(1,522		)	(70.4	)	(1,806		)	(15.7	)
Changes in fair value	37,835			10,907			NM		21,381			(49.0	)
Net gains on equity warrant assets	46,101			19,385			137.8		37,439			(48.2	)
Gains on foreign exchange forward contracts, net:
(Losses) gains on client foreign exchange forward contracts, net (2)	(452		)	460			(198.3	)	376			22.3
(Losses) gains on internal foreign exchange forward contracts, net (3)	(4,213		)	(103		)	NM		1,973			(105.2	)
Total (losses) gains on foreign exchange forward contracts, net	(4,665		)	357			NM		2,349			(84.8	)
Change in fair value of interest rate swaps	14			603			(97.7	)	(470		)	NM
Net gains (losses) on other derivatives (4)	734			(1,666		)	(144.1	)	(2,520		)	(33.9	)
Gains on derivative instruments, net	$	42,184		$	18,679		125.8		$	36,798		(49.2	)

 NM—Not meaningful

(1) At December 31, 2013, we held warrants in 1,320 companies, compared to 1,270 companies at December 31, 2012 and 1,174 companies at December 31, 2011.

(2) Represents the net gains for foreign exchange forward contracts executed on behalf of clients, excluding any spread or fees earned in connection with these trades.

(3) Represents the change in the fair value of foreign exchange forward contracts used to economically reduce our foreign exchange exposure related to certain foreign currency denominated instruments. Refer to revaluation of foreign currency instruments included in the line item "Other" within noninterest income for the amount we were able to partially offset.

(4) Primarily represents the change in fair value of loan conversion options held by SVB Financial. For more information, refer to Note 12—"Derivative Financial Instruments" of the "Notes to the Consolidated Financial Statements" under Part II, Item 8 in this report.

Net gains on derivative instruments were $42.2 million in 2013, compared to $18.7 million in 2012 and $36.8 million in 2011. The increase of $23.5 million in 2013 was primarily due to the following:

• Net gains on equity warrant assets of $46.1 million in 2013, compared to net gains of $19.4 million in 2012. The net gains of $46.1 million in 2013 included the following:

◦ Net gains of $37.8 million from changes in warrant valuations from both private and public clients, of which $14.2 million in gains resulted from increases in valuations from FireEye and Twitter.

◦ Net gains of $8.7 million from the exercise of equity warrant assets.

The decrease of $18.1 million in 2012 was primarily due to the following:

• Net gains on equity warrant assets of $19.4 million in 2012, compared to net gains of $37.4 million in 2011. The net gains of $19.4 million in 2012 included the following:

◦ Net gains of $10.9 million from changes in warrant valuations from both private and public clients.

◦ Net gains of $10.0 million from the exercise of equity warrant assets.

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Other Noninterest Income

A summary of other noninterest income for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012			% Change 2013/2012		2011			% Change 2012/2011
Fund management fees	$	11,163	$	11,057		1.0	%	$	10,730		3.0	%
Service-based fee income	7,807		7,937			(1.6	)	9,717			(18.3	)
Gains (losses) on revaluation of foreign currency instruments (1)	3,016		1,677			79.8		(2,096		)	(180.0	)
Currency revaluation (losses) gains (2)	93		(16		)	NM		(4,275		)	(99.6	)
Net gains on the sale of certain assets related to our equity management services business	—		4,243			(100.0	)	—			—
Other (3)	14,060		11,465			22.6		7,154			60.3
Total other noninterest income	$	36,139	$	36,363		(0.6	)	$	21,230		71.3

NM—Not meaningful

(1) Represents the revaluation of foreign currency denominated financial instruments issued and held by us, primarily loans, deposits and cash. These instruments partially offset the impact of changes in internal foreign exchange forward contracts. Refer to internal foreign exchange forward contracts, net included within gains on derivative instruments as noted above.

(2) Includes the revaluation of foreign currency denominated financial statements of certain funds. Included in these amounts are gains of $87 thousand, gains of $27 thousand and losses of $2.9 million in 2013, 2012 and 2011, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

(3) Includes dividends on FHLB/FRB stock, correspondent bank rebate income and other fee income.

Other noninterest income was $36.1 million in 2013, compared to $36.4 million in 2012 and $21.2 million in 2011. The change in other noninterest income from 2013 to 2012 was due to the following:

• Nonrecurring gains of $4.2 million on the sale of certain assets related to our equity management services business in the second quarter of 2012.

• Gains of $3.0 million on the revaluation of foreign currency instruments, compared to gains of $1.7 million in 2012. The revaluation gains were primarily due to the weakening of the U.S. Dollar against the Euro and Pound Sterling.

The increase of $15.1 million in 2012 was primarily due to the following:

• Gains of $4.2 million on the sale of certain assets related to our equity management services business in the second quarter of 2012.

• Currency revaluation losses of $16 thousand in 2012, compared to losses of $4.3 million in 2011. The losses of $4.3 million in 2011 were primarily due to the strengthening of the U.S. Dollar against the Indian Rupee.

• Gains on the revaluation of foreign currency instruments of $1.7 million in 2012 compared to losses of $2.1 million in 2011. The revaluation gains were primarily due to the weakening of the U.S. Dollar against the Euro and Pound Sterling.

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Noninterest Expense

A summary of noninterest income for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012		% Change 2013/2012		2011		% Change 2012/2011
Compensation and benefits	$	366,801	$	326,942	12.2	%	$	313,043	4.4	%
Professional services	76,178		67,845		12.3		60,807		11.6
Premises and equipment	45,935		40,689		12.9		28,335		43.6
Business development and travel	33,334		29,409		13.3		24,250		21.3
Net occupancy	24,937		22,536		10.7		19,624		14.8
FDIC assessments	12,784		10,959		16.7		10,298		6.4
Correspondent bank fees	12,142		11,168		8.7		9,052		23.4
Provision for unfunded credit commitments	7,642		488		NM		4,397		(88.9	)
Other	41,927		35,962		16.6		30,822		16.7
Total noninterest expense	$	621,680	$	545,998	13.9		$	500,628	9.1

Included in noninterest expense is expense attributable to noncontrolling interests. See below for a summary of non-GAAP noninterest expense and non-GAAP operating efficiency ratio, both of which exclude noncontrolling interests.

Non-GAAP Noninterest Expense

We use and report non-GAAP noninterest expense, non-GAAP taxable equivalent revenue and non-GAAP operating efficiency ratio, which excludes noncontrolling interests and net gains from note repurchases and termination of corresponding interest rate swaps (when applicable). We believe these non-GAAP financial measures, when taken together with the corresponding GAAP financial measures, provide meaningful supplemental information regarding our performance by: (i) excluding certain items that represent expenses attributable to investors other than us and our subsidiaries, or certain items that do not occur every reporting period; or (ii) providing additional information used by management that is not otherwise required by GAAP or other applicable requirements. Our management uses, and believes that investors benefit from referring to, these non-GAAP financial measures in assessing our operating results and when planning, forecasting and analyzing future periods. However, these non-GAAP financial measures should be considered in addition to, not as a substitute for or preferable to, financial measures prepared in accordance with GAAP. The table below provides a summary of non-GAAP noninterest expense and non-GAAP operating efficiency ratio, both net of noncontrolling interests:

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	Year ended December 31,
Non-GAAP operating efficiency ratio, net of noncontrolling interests (Dollars in thousands, except ratios)	2013			2012			% Change 2013/2012		2011			% Change 2012/2011
GAAP noninterest expense	$	621,680		$	545,998		13.9	%	$	500,628		9.1	%
Less: expense attributable to noncontrolling interests	12,714			11,336			12.2		11,567			(2.0	)
Less: net gain from note repurchases and termination of corresponding interest rate swaps	—			—			—		(3,123		)	(100.0	)
Non-GAAP noninterest expense, net of noncontrolling interests	$	608,966		$	534,662		13.9		$	492,184		8.6
GAAP taxable equivalent net interest income	$	699,068		$	619,783		12.8		$	528,228		17.3
Less: income attributable to noncontrolling interests	76			106			(28.3	)	122			(13.1	)
Non-GAAP taxable equivalent net interest income, net of noncontrolling interests	$	698,992		$	619,677		12.8		$	528,106		17.3
GAAP noninterest income	$	673,206		$	335,546		100.6		$	382,332		(12.2	)
Non-GAAP noninterest income, net of noncontrolling interests	330,302			240,408			37.4		222,682			8.0
GAAP taxable equivalent revenue	$	1,372,274		$	955,329		43.6		$	910,560		4.9
Non-GAAP taxable equivalent revenue, net of noncontrolling interests	$	1,029,294		$	860,085		19.7		$	750,788		14.6
GAAP operating efficiency ratio	45.30		%	57.15		%	(20.7	)	54.98		%	3.9
Non-GAAP operating efficiency ratio (1)	59.16			62.16			(4.8	)	65.56			(5.2	)

NM—Not meaningful

(1) The non-GAAP operating efficiency ratio is calculated by dividing non-GAAP noninterest expense by non-GAAP total taxable-equivalent income.

Compensation and Benefits Expense

The following table provides a summary of our compensation and benefits expense:

	Year ended December 31,
(Dollars in thousands)	2013		2012		% Change 2013/2012		2011		% Change 2012/2011
Compensation and benefits
Salaries and wages	$	159,455	$	150,536	5.9	%	$	134,719	11.7	%
Incentive compensation & ESOP	103,494		86,684		19.4		97,265		(10.9	)
Other employee benefits (1)	103,852		89,722		15.7		81,059		10.7
Total compensation and benefits	$	366,801	$	326,942	12.2		$	313,043	4.4
Period-end full-time equivalent employees	1,704		1,615		5.5		1,526		5.8
Average full-time equivalent employees	1,669		1,581		5.6		1,451		9.0

(1) Other employee benefits includes employer payroll taxes, group health and life insurance, share-based compensation, 401(k), warrant incentive and retention program plans, agency fees and other employee related expenses.

Compensation and benefits expense was $366.8 million in 2013, compared to $326.9 million in 2012 and $313.0 million in 2011. The key changes in factors driving the increase in compensation and benefits expense in 2013 were as follows:

• An increase of $16.8 million in incentive compensation and ESOP expense, primarily reflective of higher expenses in 2013 as a result of strong performance relative to our internal performance targets for the year.

• An increase of $14.1 million in other employee benefits, primarily due to warrant incentive program plan expense resulting from the gains recorded for the increase in valuation related to IPOs in 2013 and share-based plan expense primarily as a result of the increase in the valuation of the SVB Financial's common stock. The remaining increases related to various other employee benefits.

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• An increase of $8.9 million in salaries and wages expense, primarily due to an increase in the number of average FTEs, as well as from merit increases. Average FTEs increased by 88 to 1,669 in 2013, compared to 1,581 in 2012, primarily to support our product development, operational and sales and advisory, as well as to support our commercial banking operations and initiatives.

The increase in compensation and benefits expense of $13.9 million in 2012 was primarily due to the following:

• An increase of $15.8 million in salaries and wages expense, primarily due to an increase in the number of average FTEs, as well as from merit increases. Average FTEs increased by 130 to 1,581 in 2012, compared to 1,451 in 2011, primarily to support our product development, operational and sales and advisory, as well as to support our commercial banking operations and initiatives.

• An increase of $8.7 million in other employee benefits, primarily due to an increase in average FTEs, as well as an increase in 401(k) expenses and employer payroll taxes driven by 2011 incentive compensation payouts during the first quarter of 2012, which were at higher levels than 2010 incentive compensation payouts in the first quarter of 2011.

• A decrease of $10.6 million in incentive compensation and ESOP expense, primarily reflective of higher expenses in 2011 as a result of better than expected results for that period.

Our variable compensation plans primarily consist of our Incentive Compensation Plan, Direct Drive Incentive Compensation Plan, 401(k) and ESOP Plan, Retention Program and Warrant Incentive Plan. Total costs incurred under these plans were $123.2 million in 2013, compared to $101.2 million in 2012 and $110.3 million in 2011. These amounts are included in total compensation and benefits expense discussed above.

Professional Services

Professional services expense was $76.2 million in 2013, compared to $67.8 million in 2012 and $60.8 million in 2011. The increases were primarily due to increased consulting fees related to our ongoing business and IT infrastructure initiatives.

Premises and Equipment

Premises and equipment expense was $45.9 million in 2013, compared to $40.7 million in 2012 and $28.3 million in 2011. The increases were primarily due to increased spending to enhance and maintain our IT infrastructure.

Business Development and Travel

Business development and travel expense was $33.3 million in 2013, compared to $29.4 million in 2012 and $24.3 million in 2011. The increases were primarily reflective of our increased focus on global initiatives and increased business development activity due to improving economic and business conditions.

Net Occupancy

Net occupancy expense was $24.9 million in 2013, compared to $22.5 million in 2012 and $19.6 million in 2011. The increases were reflective of lease renewals at higher rates and the expansion of certain existing offices in both 2013 and 2012.

Provision for Unfunded Credit Commitments

We recorded a provision for unfunded credit commitments of $7.6 million in 2013, compared to $0.5 million in 2012 and $4.4 million in 2011. The provision in 2013 was primarily due to growth in total unfunded credit commitments and letters of credit balances which increased by $2.9 billion to $11.5 billion in 2013 from $8.6 billion in 2012.

The provision for unfunded credit commitments of $0.5 million in 2012 was primarily reflective of a decrease in the reserve rate applied to our unfunded commitments due to improved credit performance across our client portfolio. Additionally, growth in total unfunded credit commitments and letters of credit balances was $543 million in 2012, compared to $1.1 billion in 2011.

Other Noninterest Expense

A summary of other noninterest expense for 2013, 2012 and 2011 is as follows:

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	Year ended December 31,
(Dollars in thousands)	2013		2012		% Change 2013/2012		2011			% Change 2012/2011
Client services	$	8,181	$	6,910	18.4	%	$	4,594		50.4	%
Data processing services	7,895		5,876		34.4		4,811			22.1
Tax credit fund amortization	6,436		3,911		64.6		4,474			(12.6	)
Telephone	6,258		6,528		(4.1	)	5,835			11.9
Postage and supplies	2,462		2,482		(0.8	)	2,162			14.8
Dues and publications	1,745		2,067		(15.6	)	1,570			31.7
Net gain from note repurchases and termination of corresponding interest rate swaps (1)	—		—		—		(3,123		)	(100.0	)
Other	8,950		8,188		9.3		10,499			(22.0	)
Total other noninterest expense	$	41,927	$	35,962	16.6		$	30,822		16.7

(1) Represents net gains from the repurchase of $109 million of our 5.70% Senior Notes and $204 million of our 6.05% Subordinated Notes and the termination of the corresponding portions of interest rate swaps in 2011.

Net Income Attributable to Noncontrolling Interests

Included in net income is income and expense attributable to noncontrolling interests. The relevant amounts attributable to investors other than us are reflected under “Net Income Attributable to Noncontrolling Interests” in our statements of income.

In the table below, noninterest income consists primarily of investment gains and losses from our consolidated funds. Noninterest expense is primarily related to management fees paid by our managed funds to SVB Financial’s subsidiaries as the funds’ general partners. A summary of net income attributable to noncontrolling interests for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013			2012			% Change 2013/2012		2011			% Change 2012/2011
Net interest income (1)	$	(76	)	$	(106	)	(28.3	)%	$	(122	)	(13.1	)%
Noninterest income (1)	(372,246		)	(88,823		)	NM		(125,328		)	(29.1	)
Noninterest expense (1)	12,714			11,336			12.2		11,567			(2.0	)
Carried interest (2)	29,342			2,883			NM		2,992			(3.6	)
Net income attributable to noncontrolling interests	$	(330,266	)	$	(74,710	)	NM		$	(110,891	)	(32.6	)

NM—Not meaningful

(1) Represents noncontrolling interests’ share in net interest income, noninterest income and noninterest expense.

(2) Represents the preferred allocation of income earned by the general partners or limited partners of certain consolidated funds.

Income Taxes

Our effective income tax expense rate was 39.2 percent in 2013, compared to 39.3 percent in 2012 and 40.9 percent in 2011. The decrease in the tax rate in 2013 was primarily attributable to lower state taxes offset by a one-time prior period tax expense adjustment of $2.9 million. The decrease in the tax rate in 2012 was primarily attributable to lower state taxes and lower taxes on foreign operations.

Our effective tax rate is calculated by dividing income tax expense by the sum of income before income tax expense and the net income attributable to noncontrolling interests.

Operating Segment Results

We have three segments for which we report our financial information: Global Commercial Bank, SVB Private Bank and SVB Capital.

We report segment information based on the “management” approach. The management approach designates the internal reporting used by management for making decisions and assessing performance as the source of our reporting segments. Please

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refer to Note 20—”Segment Reporting” of the “Notes to Consolidated Financial Statements” under Part II, Item 8 of this report for additional details.

Our primary source of revenue is from net interest income, which is primarily the difference between interest earned on loans, net of FTP, and interest paid on deposits, net of FTP. Accordingly, our segments are reported using net interest income, net of FTP. FTP is an internal measurement framework designed to assess the financial impact of a financial institution’s sources and uses of funds. It is the mechanism by which an earnings credit is given for deposits raised, and an earnings charge is made for funded loans.

We also evaluate performance based on provision for loan losses, noninterest income and noninterest expense, which are presented as components of segment operating profit or loss. In calculating each operating segment’s noninterest expense, we consider the direct costs incurred by the operating segment as well as certain allocated direct costs. As part of this review, we allocate certain corporate overhead costs to a corporate account. We do not allocate income taxes to our segments. Additionally, our management reporting model is predicated on average asset balances; therefore, period-end asset balances are not presented for segment reporting purposes.

Changes in an individual client’s primary relationship designation have resulted, and in the future may result, in the inclusion of certain clients in different segments in different periods. The following is our reportable segment information for 2013, 2012 and 2011:

Global Commercial Bank

	Year ended December 31,
(Dollars in thousands)	2013			2012			% Change 2013/2012		2011			% Change 2012/2011
Net interest income	$	643,016		$	595,133		8.0	%	$	519,145		14.6	%
Provision for loan losses	(65,290		)	(45,417		)	43.8		(13,494		)	NM
Noninterest income	202,404			188,842			7.2		150,116			25.8
Noninterest expense	(436,327		)	(398,438		)	9.5		(352,458		)	13.0
Income before income tax expense	$	343,803		$	340,120		1.1		$	303,309		12.1
Total average loans, net of unearned income	$	8,472,045		$	6,790,332		24.8		$	5,111,086		32.9
Total average assets	21,388,037			19,522,306			9.6		17,103,883			14.1
Total average deposits	19,072,921			17,575,060			8.5		15,364,804			14.4

NM—Not meaningful

Income before income tax expense from our Global Commercial Bank (“GCB”) increased to $343.8 million in 2013, compared to $340.1 million in 2012 and $303.3 million in 2011, which reflects the continued growth of our core commercial business and clients, with an increase in pressure on overall loan yields as a result of the low interest rate environment and increased competition. The key components of GCB's performance are discussed below:

2013 compared to 2012

Net interest income from our GCB increased by $47.9 million in 2013, primarily due to a $70.8 million increase in loan interest income resulting mainly from an increase in average loan balances, partially offset by lower loan yields. Additionally, our GCB had a $13.0 million increase in the FTP earned for deposits due to average deposit growth. These increases were partially offset by a $38.7 million decrease in the FTP earned for deposits from decreases in market interest rates.

We had a provision for loan losses for GCB of $65.3 million in 2013, compared to $45.4 million in 2012. The provision of $65.3 million was primarily due to net charge-offs and period-end loan growth of $2.0 billion resulting in a provision of $21.9M.

Noninterest income increased by $13.6 million in 2013, primarily due to higher credit card fees and foreign exchange fees. The increase in credit card fees reflect increased client awareness of our credit card products and the introduction of custom payment solutions, which has resulted in new credit card clients and an increase in client activity. Custom payment solutions primarily utilize virtual cards for clients with high volume payment processing needs. The increase in foreign exchange fees was primarily due to improved business conditions for our clients, which has resulted in an increase in the number of trades and commissioned notional volumes.

Noninterest expense increased by $37.9 million in 2013, primarily due to increases in compensation and benefits and premises and equipment. Incentive compensation increased primarily from better than expected results in 2013. Higher

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compensation and benefits expenses were attributable to increased incentive plan and salaries and wages expenses. The increase in our incentive plan expenses was primarily related to our strong performance in 2013, which we exceeded internal performance targets. The increase in salaries and wages was primarily due to an increase in the average number of FTEs at GCB, which increased by 85 to 1,329 in 2013, compared to 1,244 in 2012. The increase in average FTEs was attributable to increases in positions for product development, operational and sales and advisory, as well as to support our commercial banking operations and initiatives. The increase in premises and equipment was primarily due to increased spending to enhance and maintain our IT infrastructure.

2012 compared to 2011

Net interest income from our GCB increased by $76.0 million in 2012, primarily due to a $80.8 million increase in loan interest income resulting mainly from an increase in average loan balances and a $24.1 million increase in the FTP earned for deposits due to deposit growth. These increases were partially offset by a $25.9 million decrease in the FTP earned for deposits from decreases in market interest rates.

We had a provision for loan losses for GCB of $45.4 million in 2012, compared to a provision of $13.5 million in 2011. The provision of $45.4 million in 2012 was primarily due to net charge-offs and period-end loan growth. The provision of $13.5 million in 2011 was primarily due to period-end loan growth, partially offset by a decrease in the allowance for our performing loans due to the strong overall credit quality of our clients.

Noninterest income increased by $38.7 million in 2012, primarily due to an increase in gains from debt fund investments, foreign exchange fees and credit card fees, as well as gains of $4.2 million on the sale of certain assets related to our equity management services business in the second quarter of 2012. The increase in gains from debt fund investments was driven primarily by IPO and M&A activity and other valuation increases from the investments within the funds. The increase in foreign exchange fees was primarily due to improving business conditions for our clients and increased volatility in foreign markets, which has resulted in an improvement in our spread as well as higher number of trades. The increase in credit card fees was primarily due to the addition of new credit card clients and an increase in client activity.

Noninterest expense increased by $46.0 million in 2012, primarily due to an increase in salaries and wages, premises and equipment and professional services. The increase in salaries and wages was primarily due to an increase in the average number of FTEs within GCB, which increased by 108 to 1,244 in 2012, compared to 1,136 in 2011, as well as from base salary merit increases. The increase in average FTEs was attributable to increases in positions for product development, operational and sales and advisory, as well as to support our commercial banking operations and initiatives. The increase in premises and equipment was primarily due to increased spending to enhance and maintain our IT infrastructure, as well as the write-off of certain assets. The increase in professional services was primarily due to increased consulting fees related to our ongoing business and infrastructure initiatives.

SVB Private Bank

	Year ended December 31,
(Dollars in thousands)	2013			2012			% Change 2013/2012		2011			% Change 2012/2011
Net interest income	$	26,701		$	21,807		22.4	%	$	19,529		11.7	%
Reduction of loan losses	1,597			1,087			46.9		7,393			(85.3	)
Noninterest income	1,209			681			77.5		516			32.0
Noninterest expense	(15,916		)	(13,651		)	16.6		(10,174		)	34.2
Income before income tax expense	$	13,591		$	9,924		37.0		$	17,264		(42.5	)
Total average loans, net of unearned income	$	919,831		$	758,471		21.3		$	658,175		15.2
Total average assets	959,214			763,186			25.7		658,797			15.8
Total average deposits	524,398			313,836			67.1		186,604			68.2

Income before income tax expense from SVB Private Bank increased to $13.6 million in 2013, compared to $9.9 million in 2012 and $17.3 million in 2011. The key drivers of SVB Private Bank's performance are discussed below:

2013 compared to 2012

Net interest income from SVB Private Bank increased by $4.9 million in 2013, primarily from an increase in loan interest income from an increase in average loan balances and an increase in the FTP earned for deposits due to average deposit growth. These increases were partially offset by a decrease in the overall yield on our Private Bank loan portfolio, reflective of the current low interest rate environment.

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Noninterest expense increased by $2.3 million in 2013, primarily due to increased incentive plan expenses due to our strong performance in 2013, which we exceeded internal performance targets.

2012 compared to 2011

Net interest income from SVB Private Bank increased by $2.3 million in 2012, primarily due to an increase in the FTP earned for deposits due to deposit growth and an increase in loan interest income resulting primarily from an increase in average loan balances.

SVB Private Bank had a reduction of provision for loan losses of $1.1 million in 2012, compared to a reduction of provision of $7.4 million in 2011. The reduction of provision for both periods was primarily due to net loan recoveries.

Noninterest expense increased by $3.5 million in 2012, primarily due to an increase in compensation and benefits expense resulting from an increase in the average number of FTEs at SVB Private Bank, which increased by 9 to 43 in 2012, compared to 34 in 2011. The increase in average FTEs was to support the growth of SVB Private Bank.

SVB Capital

	Year ended December 31,
(Dollars in thousands)	2013			2012			% Change 2013/2012		2011			% Change 2012/2011
Net interest income	$	20		$	15		33.3	%	$	10		50.0	%
Noninterest income	75,037			27,435			173.5		27,358			0.3
Noninterest expense	(10,737		)	(11,263		)	(4.7	)	(13,079		)	(13.9	)
Income before income tax expense	$	64,320		$	16,187		NM		$	14,289		13.3
Total average assets	$	289,328		$	239,335		20.9		$	226,423		5.7

NM—Not meaningful

SVB Capital’s components of noninterest income primarily include net gains and losses on non-marketable and other securities, carried interest and fund management fees. All components of income before income tax expense discussed below are net of noncontrolling interests.

We experience variability in the performance of SVB Capital from period to period due to a number of factors, including changes in the values of our funds’ underlying investments, changes in the amount of distributions and general economic and market conditions. Such variability may lead to volatility in the gains and losses from investment securities and cause our results to differ from period to period. Results for a particular period may not be indicative of future performance.

Income before income tax expense from SVB Capital increased to $64.3 million in 2013, compared to $16.2 million in 2012 and $14.3 million in 2011, which reflects significant gains from our managed funds. The key drivers of SVB Capital's performance are discussed below:

2013 compared to 2012

Noninterest income increased $47.6 million to $75.0 million in 2013. SVB Capital’s components of noninterest income primarily include the following:

• Net gains on investment securities of $62.6 million in 2013, compared to net gains of $16.2 million in 2012. The net gains on investment securities of $62.6 million in 2013 were primarily driven by unrealized valuation increases and carried interest allocations, related to FireEye and Twitter, from two of our managed direct venture funds.

• Fund management fees were $11.2 million for 2013, compared to $11.1 million in 2012.

2012 compared to 2011

Noninterest income remained flat at $27.4 million in both 2012 and 2011. SVB Capital’s components of noninterest income primarily include the following:

• Net gains on investment securities of $16.2 million in 2012, compared to net gains of $17.1 million in 2011. The net gains on investment securities of $16.2 million in 2012 were primarily driven by valuation increases and IPO and M&A activity within our managed funds.

• Fund management fees of $11.1 million in 2012, compared to $10.7 million in 2011.

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Consolidated Financial Condition

Our total assets were $26.4 billion at December 31, 2013, an increase of $3.7 billion, or 16.0 percent, compared to $22.8 billion at December 31, 2012, which increased by $2.8 billion or 14.0 percent, compared to $20.0 billion at December 31, 2011. Below is a summary of the individual components driving the changes in total assets.

Cash and Cash Equivalents

Cash and cash equivalents totaled $1.5 billion at December 31, 2013, an increase of $530 million, or 52.5 percent, compared to $1.0 billion at December 31, 2012. The increase in period-end cash balances during 2013 was due to growth in our deposit balances.

As of December 31, 2013 and December 31, 2012, $715 million and $72 million, respectively, of our cash and due from banks was deposited at the FRB and was earning interest at the Federal Funds target rate, and interest-earning deposits in other financial institutions were $300 million and $283 million, respectively.

Investment Securities

Investment securities totaled $13.6 billion at December 31, 2013, an increase of $1.1 billion, or 8.4 percent, compared to $12.5 billion at December 31, 2012, which increased by $1.0 billion or 8.6 percent, compared to $11.5 billion at December 31, 2011.

Our investment securities portfolio consists of both an available-for-sale securities portfolio, which represents interest-earning investment securities, and a non-marketable and other securities portfolio, which primarily represents investments managed as part of our funds management business. The following table presents a profile of our investment securities portfolio at December 31, 2013, 2012 and 2011:

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	December 31,
(Dollars in thousands)	2013		2012		2011
Available-for-sale securities, at fair value:
U.S. treasury securities	$	—	$	25,247	$	25,964
U.S. agency debentures	4,345,232		3,447,628		2,874,932
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	2,473,576		1,473,433		1,564,286
Agency-issued collateralized mortgage obligations—fixed rate	3,325,758		4,103,974		3,373,760
Agency-issued collateralized mortgage obligations—variable rate	1,186,573		1,772,748		2,413,378
Agency issued commercial mortgage-backed securities	564,604		422,098		178,693
Municipal bonds and notes	86,027		93,529		100,498
Equity securities	5,051		4,520		4,535
Total available-for-sale securities	11,986,821		11,343,177		10,536,046
Non-marketable and other securities:
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments	862,972		665,921		611,824
Other venture capital investments	32,839		127,091		124,121
Other investments	—		—		987
Other Securities (fair value accounting)	321,374		—		—
Non-marketable securities (equity method accounting):
Other investments	142,883		139,330		68,252
Low income housing tax credit funds	72,241		70,318		34,894
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments	148,994		161,884		145,007
Other investments	14,191		19,721		19,355
Total non-marketable and other securities	1,595,494		1,184,265		1,004,440
Total investment securities	$	13,582,315	$	12,527,442	$	11,540,486

Available-for-Sale Securities

Our available-for-sale securities portfolio is a fixed income investment portfolio that is managed to earn an appropriate portfolio yield over the long-term while maintaining sufficient liquidity and credit diversification as well as addressing our asset/liability management objectives. Available-for-sale securities were $12.0 billion at December 31, 2013, an increase of $0.6 billion, or 5.7 percent, compared to $11.3 billion at December 31, 2012, which increased by $0.8 billion or 7.7 percent, compared to $10.5 billion at December 31, 2011. The increase in 2013 was primarily due to purchases of new investments of $3.3 billion, partially offset by paydowns, scheduled maturities and called maturities of $2.4 billion. The purchases of new investments of $3.3 billion were primarily comprised of fixed-rate agency-issued mortgage securities and fixed-rate agency debentures. The paydowns, scheduled maturities and called maturities on securities of $2.4 billion were comprised of $1.8 billion in fixed-rate securities and $0.6 billion in variable-rate securities.

The increase in 2012 was primarily due to purchases of new investments of $3.9 billion, partially offset by paydowns, scheduled maturities and called maturities of $2.7 billion and sales of $329 million. The purchases of new investments of $3.9 billion were primarily comprised of fixed-rate agency-issued mortgage securities and fixed-rate agency debentures. The paydowns, scheduled maturities and called maturities on securities of $2.7 billion were comprised of $2.1 billion in fixed-rate securities and $657 million in variable-rate securities. The sales of $329 million were primarily comprised of U.S. agency securities. These securities were sold as part of our portfolio management strategy of managing duration risk.

Portfolio duration is a standard measure used to approximate changes in the market value of fixed income instruments due to a change in market interest rates. The measure is an estimate based on the level of current market interest rates, expectations for changes in the path of forward rates and the effect of forward rates on mortgage prepayment speed assumptions. As such, portfolio duration will fluctuate with changes in market interest rates. Changes in portfolio duration are also impacted by changes in the mix of longer versus shorter term-to-maturity securities. At December 31, 2013, our estimated portfolio duration was 3.3 years, compared to 2.2, and 1.8, years at December 31, 2012 and 2011, respectively.

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Non-Marketable and Other Securities

Our non-marketable and other securities portfolio primarily represents investments in venture capital and private equity funds, debt funds and private and public portfolio companies. A majority of these investments are managed through our SVB Capital funds business in funds of funds and direct venture and private equity funds. Included in our non-marketable and other securities carried under fair value accounting are amounts that are attributable to noncontrolling interests. We are required under GAAP to consolidate 100% of these investments that we are deemed to control, even though we may own less than 100% of such entities. See below for a summary of the carrying value (as reported) of non-marketable and other securities compared to the amounts attributable to SVBFG.

Non-marketable and other securities were $1.6 billion at December 31, 2013, an increase of $411 million, or 34.7 percent, compared to $1.2 billion at December 31, 2012, which increased by $180 million or 17.9 percent, compared to $1.0 billion at December 31, 2011.

The increase in non-marketable and other securities of $411 million in 2013 was primarily related to the following:

◦ Gains of $230 million from our managed direct venture funds, driven by the continued strong stock performance of successful portfolio company IPOs during the year.

◦ Gains of $170 million from our managed funds of funds, primarily related to unrealized valuation increases from IPO, M&A activity and other valuation increases across the portfolio.

The increase in non-marketable and other securities of $180 million in 2012 was primarily related to the following:

• Funding of our capital contribution of $80 million to our joint venture bank in China in the second quarter of 2012, which is included in the line item "Other investments" under equity method accounting.

• An increase of $54 million in venture capital and private equity investments accounted for using fair value accounting from our managed funds of funds due to additional capital calls (net of distributions) for fund investments, as well as from valuation increases.

• An increase of $35 million in low income housing tax credit funds due to new investments.

The following table summarizes the carrying value (as reported) of non-marketable and other securities compared to the amounts attributable to SVBFG (which generally represents the carrying value times our ownership percentage) at December 31, 2013, 2012 and 2011:

	December 31,
	2013				2012				2011
(Dollars in thousands)	Carrying value   (as reported)		Amount attributable      to SVBFG		Carrying value   (as reported)		Amount attributable   to SVBFG		Carrying value   (as reported)		Amount attributable   to SVBFG
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments (1)	$	862,972	$	76,505	$	665,921	$	75,893	$	611,824	$	77,674
Other venture capital investments (2)	32,839		2,097		127,091		8,962		124,121		11,333
Other investments	—		—		—		—		987		493
Other securities (fair value accounting) (3)	321,374		23,058		—		—		—		—
Non-marketable securities (equity method accounting):
Other investments	142,883		142,883		139,330		139,330		68,252		68,252
Low income housing tax credit funds	72,241		72,241		70,318		70,318		34,894		34,894
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments	148,994		148,994		161,884		161,884		145,007		145,007
Other investments	14,191		14,191		19,721		19,721		19,355		19,355
Total non-marketable and other securities	$	1,595,494	$	479,969	$	1,184,265	$	476,108	$	1,004,440	$	357,008

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(1) The following table shows the amounts of venture capital and private equity fund investments held by the following consolidated funds and amounts attributable to SVBFG for each fund at December 31, 2013, 2012 and 2011:

	December 31,
	2013				2012				2011
(Dollars in thousands)	Carrying value   (as reported)		Amount attributable      to SVBFG		Carrying value   (as reported)		Amount attributable   to SVBFG		Carrying value   (as reported)		Amount attributable   to SVBFG
SVB Strategic Investors Fund, LP	$	29,104	$	3,656	$	32,850	$	4,126	$	39,567	$	4,970
SVB Strategic Investors Fund II, LP	96,185		8,244		91,294		7,825		122,619		10,510
SVB Strategic Investors Fund III, LP	260,272		15,280		209,696		12,311		218,429		12,824
SVB Strategic Investors Fund IV, LP	226,729		11,337		169,931		8,497		122,076		6,104
Strategic Investors Fund V Funds	118,181		184		40,622		112		8,838		31
Strategic Investors Fund VI Funds	7,944		12		—		—		—		—
SVB Capital Preferred Return Fund, LP	59,028		12,722		53,643		12,652		42,580		11,571
SVB Capital—NT Growth Partners, LP	61,126		21,339		60,120		23,842		43,958		20,176
SVB Capital Partners II, LP	708		36		1,303		66		2,390		121
Other private equity fund	3,695		3,695		6,462		6,462		11,367		11,367
Total venture capital and private equity fund investments	$	862,972	$	76,505	$	665,921	$	75,893	$	611,824	$	77,674

(2) The following table shows the amounts of other venture capital investments held by the following consolidated funds and amounts attributable to SVBFG for each fund at December 31, 2013, 2012 and 2011:

	December 31,
	2013				2012				2011
(Dollars in thousands)	Carrying value   (as reported)		Amount attributable      to SVBFG		Carrying value   (as reported)		Amount attributable   to SVBFG		Carrying value   (as reported)		Amount attributable   to SVBFG
Silicon Valley BancVentures, LP	$	6,564	$	702	$	43,493	$	4,652	$	17,878	$	1,912
SVB Capital Partners II, LP	22,684		1,152		79,761		4,051		61,099		3,103
SVB India Capital Partners I, LP (i)	—		—		—		—		42,832		6,162
SVB Capital Shanghai Yangpu Venture Capital Fund	3,591		243		3,837		259		2,312		156
Total other venture capital investments	$	32,839	$	2,097	$	127,091	$	8,962	$	124,121	$	11,333

(i) As of December 31, 2012, SVB India Capital Partners I, LP was deconsolidated from the financial statements of SVBFG.

(3) Investments classified as other securities (fair value accounting) represent direct equity investments in public companies held by our consolidated funds. This amount primarily includes total unrealized gains of $294 million in two of our public portfolio companies, FireEye and Twitter, both of which are currently subject to lock-up agreements. The extent to which any unrealized gains will become realized is subject to a variety of factors, including, among other things, the expiration of certain sales restrictions to which these securities are subject, the actual sales of securities and the timing of such actual sales.

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Loans

The following table details the composition of the loan portfolio, net of unearned income, as of the five most recent year-ends:

	December 31,
(Dollars in thousands)	2013		2012		2011		2010		2009
Commercial loans:
Software (1)	$	4,102,636	$	3,261,489	$	2,492,849	$	1,820,680	$	1,381,855
Hardware (1)	1,213,032		1,118,370		952,303		641,052		599,918
Venture capital/private equity	2,386,054		1,732,699		1,117,419		1,036,201		927,848
Life science (1)	1,170,220		1,066,199		863,737		575,944		517,268
Premium wine	149,841		143,511		130,245		144,972		143,062
Other (1)	288,904		315,453		342,147		375,928		176,750
Total commercial loans	9,310,687		7,637,721		5,898,700		4,594,777		3,746,701
Real estate secured loans:
Premium wine (2)	514,993		413,513		345,988		312,255		298,839
Consumer loans (3)	873,255		685,300		534,001		361,704		241,284
Other	30,743		—		—		—		—
Total real estate secured loans	1,418,991		1,098,813		879,989		673,959		540,123
Construction loans (4)	76,997		65,742		30,256		60,178		59,926
Consumer loans	99,711		144,657		161,137		192,823		201,344
Total loans, net of unearned income (5)(6)	$	10,906,386	$	8,946,933	$	6,970,082	$	5,521,737	$	4,548,094

(1) Because of the diverse nature of clean technology products and services, for our loan-related reporting purposes, cleantech-related loans are reported under our hardware, software, life science and other commercial loan categories, as applicable.

(2) Included in our premium wine portfolio are gross construction loans of $112 million, $148 million, $111 million, $119 million and $122 million at December 31, 2013, 2012, 2011, 2010 and 2009, respectively.

(3) Consumer loans secured by real estate at December 31, 2013, 2012, 2011, 2010 and 2009 were comprised of the following:

	December 31,
(Dollars in thousands)	2013		2012		2011		2010		2009
Loans for personal residence	$	685,327	$	503,378	$	350,359	$	189,039	$	64,678
Loans to eligible employees	121,548		110,584		99,704		88,510		86,147
Home equity lines of credit	66,380		71,338		83,938		84,155		90,459
Consumer loans secured by real estate	$	873,255	$	685,300	$	534,001	$	361,704	$	241,284

(4) Construction loans consist of low income housing loans made to fulfill our responsibilities under the Community Reinvestment Act and are primarily secured by real estate.

(5) Unearned income, net of deferred costs, was $89 million, $77 million, $60 million, $46 million and $35 million in 2013, 2012, 2011, 2010 and 2009, respectively.

(6) Included within our total loan portfolio are credit card loans of $85 million, $64 million, $50 million, $33 million and $25 million at December 31, 2013, 2012, 2011, 2010 and 2009, respectively.

We saw an increase in commercial loans from December 31, 2012 to December 31, 2013 in all of our client industry segments, with particularly strong growth in sponsor-led buyouts by later stage clients in our software portfolio, as well as from capital call lines of credit for our venture capital/private equity clients.

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Loan Concentration

Loan concentrations may exist when there are borrowers engaged in similar activities or types of loans extended to a diverse group of borrowers that could cause those borrowers or portfolios to be similarly impacted by economic or other conditions. A substantial percentage of our loans are commercial in nature. The breakdown of total gross loans and total loans as a percentage of gross loans by industry sector is as follows:

	December 31,
	2013				2012
(Dollars in thousands)	Amount		Percentage		Amount		Percentage
Commercial loans:
Software	$	4,141,358	37.7	%	$	3,293,899	36.5	%
Hardware	1,224,480		11.1		1,129,484		12.5
Venture capital/private equity	2,408,426		21.9		1,749,903		19.4
Life science	1,181,266		10.7		1,076,792		11.9
Premium wine (1)	151,255		1.4		144,937		1.6
Other	291,630		2.7		318,588		3.5
Commercial loans	9,398,415		85.5		7,713,603		85.5
Real estate secured loans:
Premium wine (1)	515,942		4.7		414,347		4.6
Consumer loans (2)	873,070		7.9		685,493		7.6
Other	31,033		0.3		—		—
Real estate secured loans	1,420,045		12.9		1,099,840		12.2
Construction loans	77,165		0.7		65,726		0.7
Consumer loans (2)	99,643		0.9		145,079		1.6
Total gross loans	$	10,995,268	100.0	%	$	9,024,248	100.0	%

(1) Premium wine clients can have loan balances included in both commercial loans and real estate secured loans, the total of which are used for the breakout of the above categories.

(2) Consumer loan clients have loan balances included in both real estate secured loans and other consumer loans, the total of which are used for the breakout of the above categories.

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The following table provides a summary of gross loans by size and category. The breakout of the categories is based on total client balances (individually or in the aggregate) as of December 31, 2013:

	December 31, 2013
(Dollars in thousands)	Less than Five Million		Five to Ten Million		Ten to Twenty Million		Twenty to Thirty Million		Thirty Million   or More		Total
Commercial loans:
Software	$	1,031,179	$	647,060	$	905,815	$	832,375	$	724,929	$	4,141,358
Hardware	280,794		205,705		187,140		235,973		314,868		1,224,480
Venture capital/private equity	328,073		248,787		371,980		201,193		1,258,393		2,408,426
Life science	332,991		262,420		249,749		122,426		213,680		1,181,266
Premium wine (1)	77,431		24,667		24,810		24,347		—		151,255
Other	131,351		48,698		—		76,581		35,000		291,630
Commercial loans	2,181,819		1,437,337		1,739,494		1,492,895		2,546,870		9,398,415
Real estate secured loans:
Premium wine (1)	136,748		128,291		146,439		73,594		30,870		515,942
Consumer loans (2)	760,693		82,545		9,832		20,000		—		873,070
Other	2,500		5,000		—		23,533		—		31,033
Real estate secured loans	899,941		215,836		156,271		117,127		30,870		1,420,045
Construction loans	16,432		48,359		12,374		—		—		77,165
Consumer loans (2)	46,019		20,022		600		3,003		29,999		99,643
Total gross loans	$	3,144,211	$	1,721,554	$	1,908,739	$	1,613,025	$	2,607,739	$	10,995,268

(1) Premium wine clients can have loan balances included in both commercial loans and real estate secured loans, the total of which are used for the breakout of the above categories.

(2) Consumer loan clients have loan balances included in both real estate secured loans and other consumer loans, the total of which are used for the breakout of the above categories.

At December 31, 2013, gross loans equal to or greater than $20 million to any single client (individually or in the aggregate) totaled $4.2 billion, or 38.4 percent of our portfolio. These loans represented 122 clients, and of these loans, none were on nonaccrual status as of December 31, 2013.

The following table provides a summary of gross loans by size and category. The breakout of the categories is based on total client balances (individually or in the aggregate) as of December 31, 2012:

	December 31, 2012
(Dollars in thousands)	Less than Five Million		Five to Ten Million		Ten to Twenty Million		Twenty to Thirty Million		Thirty Million or More		Total
Commercial loans:
Software	$	991,011	$	575,721	$	601,400	$	731,840	$	393,927	$	3,293,899
Hardware	295,981		203,813		176,854		229,913		222,923		1,129,484
Venture capital/private equity	298,299		194,717		285,914		301,061		669,912		1,749,903
Life science	280,100		221,399		223,104		200,056		152,133		1,076,792
Premium wine (1)	71,472		24,986		41,979		6,500		—		144,937
Other	89,703		56,078		55,608		54,620		62,579		318,588
Commercial loans	2,026,566		1,276,714		1,384,859		1,523,990		1,501,474		7,713,603
Real estate secured loans:
Premium wine (1)	101,501		110,080		128,950		42,316		31,500		414,347
Consumer loans (2)	563,319		78,531		43,643		—		—		685,493
Real estate secured loans	664,820		188,611		172,593		42,316		31,500		1,099,840
Construction loans	17,182		33,928		14,616		—		—		65,726
Consumer loans (2)	29,436		46,152		24,491		—		45,000		145,079
Total gross loans	$	2,738,004	$	1,545,405	$	1,596,559	$	1,566,306	$	1,577,974	$	9,024,248

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(1) Premium wine clients can have loan balances included in both commercial loans and real estate secured loans, the total of which are used for the breakout of the above categories.

(2) Consumer loan clients have loan balances included in both real estate secured loans and other consumer loans, the total of which are used for the breakout of the above categories.

At December 31, 2012, gross loans equal to or greater than $20 million to any single client (individually or in the aggregate) totaled $3.1 billion, or 34.8 percent of our portfolio. These loans represented 102 clients, and of these loans, none were on nonaccrual status as of December 31, 2012.

The credit profile of our clients varies across our loan portfolio, based on the nature of the lending we do for different market segments. Our technology and life sciences loan portfolio includes loans to clients at all stages of their life cycles, beginning with our SVB Accelerator practice, which serves our emerging or early-stage clients. Loans provided to early-stage clients represent a relatively small percentage of our overall portfolio at approximately 9.2 percent of total gross loans at both December 31, 2013 and 2012 . Typically, these loans are made to companies with modest or negative cash flows and no established record of profitable operations. Repayment of these loans may be dependent upon receipt by borrowers of additional equity financing from venture capitalists or others, or in some cases, a successful sale to a third party or a public offering. Venture capital firms may provide financing at lower levels, more selectively or on less favorable terms, which may have an adverse effect on our borrowers that are otherwise dependent on such financing to repay their loans to us. When repayment is dependent upon the next round of venture investment and there is an indication that further investment is unlikely or will not occur, it is often likely the company would need to be sold to repay its debt in full. If reasonable efforts have not yielded a likely buyer willing to repay all debt at the close of the sale or on commercially viable terms, the account will most likely be deemed to be impaired.

At December 31, 2013, our lending to venture capital/private equity firms represented 21.9 percent of total gross loans, compared to 19.4 percent of total gross loans at December 31, 2012. Many of these clients have capital call lines of credit, the repayment of which is dependent on the payment of capital calls by the underlying limited partner investors in the funds managed by these firms.

At December 31, 2013, sponsor-led buyout loans represented 12.5 percent of total gross loans, compared to 11.8 percent of total gross loans at December 31, 2012. These loans are typically larger in nature and repayment is generally dependent upon the cash flows of the acquired company. However, these loans are typically highly-secured and therefore carry lower credit risk.

At December 31, 2013, our asset-based lending, which consists primarily of working capital lines and accounts receivable factoring represented 7.3 percent and 4.2 percent, respectively, of total gross loans, compared to 7.0 percent and 4.8 percent, respectively at December 31, 2012. The repayment of these arrangements is dependent on the financial condition, and payment ability, of third parties with whom our clients do business.

Approximately 39.7 percent of our outstanding total gross loan balances as of December 31, 2013 were to borrowers based in California compared to 38.5 percent as of December 31, 2012. Other than California, there were no states with balances greater than 10 percent.

As of December 31, 2013, 78.4 percent, or $8.6 billion, of our outstanding total gross loans were variable-rate loans that adjust at a prescribed measurement date upon a change in our prime-lending rate or other variable indices, compared to 76.3 percent, or $6.9 billion, as of December 31, 2012. The following table sets forth the remaining contractual maturity distribution of our gross loans by industry sector at December 31, 2013, for fixed and variable rate loans:

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	Remaining Contractual Maturity of Gross Loans
(Dollars in thousands)	One Year or Less		After One Year and Through Five Years		After Five Years		Total
Fixed rate loans:
Commercial loans:
Software	$	85,064	$	515,715	$	—	$	600,779
Hardware	36,344		171,662		—		208,006
Venture capital/private equity	60,744		51,248		9,149		121,141
Life science	27,395		530,219		—		557,614
Premium wine	767		12,491		3,575		16,833
Other	71,937		24,438		—		96,375
Total commercial loans	282,251		1,305,773		12,724		1,600,748
Real estate secured loans:
Premium wine	643		60,310		346,785		407,738
Consumer loans	809		50,378		211,013		262,200
Other	—		—		23,533		23,533
Total real estate secured loans	1,452		110,688		581,331		693,471
Construction loans	43,777		12,678		7,326		63,781
Consumer loans	14,947		6,925		217		22,089
Total fixed-rate loans	$	342,427	$	1,436,064	$	601,598	$	2,380,089
Variable-rate loans:
Commercial loans:
Software	$	729,243	$	2,714,167	$	97,169	$	3,540,579
Hardware	358,961		638,013		19,500		1,016,474
Venture capital/private equity	1,811,922		458,597		16,766		2,287,285
Life science	91,072		529,580		3,000		623,652
Premium wine	77,020		55,396		2,006		134,422
Other	56,798		130,062		8,395		195,255
Total commercial loans	3,125,016		4,525,815		146,836		7,797,667
Real estate secured loans:
Premium wine	8,730		50,274		49,200		108,204
Consumer loans	4,698		53,369		552,803		610,870
Other	—		7,500		—		7,500
Total real estate secured loans	13,428		111,143		602,003		726,574
Construction loans	13,384		—		—		13,384
Consumer loans	55,276		17,343		4,935		77,554
Total variable-rate loans	$	3,207,104	$	4,654,301	$	753,774	$	8,615,179
Total gross loans	$	3,549,531	$	6,090,365	$	1,355,372	$	10,995,268

Upon maturity, loans satisfying our credit quality standards may be eligible for renewal. Such renewals are subject to the normal underwriting and credit administration practices associated with new loans. We do not grant loans with unconditional extension terms.

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Loan Administration

The Credit Committee of our Board of Directors (formerly the Directors' Loan Committee) oversees our credit risks and strategies, as well as our credit policies and lending practices.

Subject to the oversight of the Credit Committee, lending authority is delegated to the Chief Credit Officer and our management's Loan Committee, which consists of the Chief Credit Officer and other senior members of our lending management. Requests for new and existing credit extensions that meet certain size and underwriting criteria may be approved outside of our Loan Committee by designated senior lenders or jointly with a senior credit officer or division risk manager.

Credit Quality Indicators

As of December 31, 2013, our criticized and impaired loans represented 5.7 percent of our total gross loans. This compares to 6.6 percent at December 31, 2012. A majority of our criticized loans are from our SVB Accelerator portfolio, serving our emerging or early stage clients. Loans to early stage clients make up approximately 9 percent of our loan portfolio. It is common for an emerging early stage client’s remaining liquidity to fall temporarily below the threshold for a pass-rated credit during its capital-raising period for a new round of funding. This situation typically lasts only a few weeks and, in our experience, generally resolves itself with a subsequent round of venture funding. As a result, we expect that each of our early-stage clients will be managed through our criticized portfolio during a portion of their life cycle. Criticized loan levels will continue to vary but are expected to remain within the current range.

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Credit Quality and Allowance for Loan Losses

The following table presents a summary of the activity for the allowance for loan losses as of the five most recent year-ends:

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011			2010			2009
Allowance for loan losses balance, beginning of year	$	110,651		$	89,947		$	82,627		$	72,450		$	107,396
Charge-offs:
Commercial loans:
Software	(8,861		)	(4,316		)	(10,252		)	(16,230		)	(38,869		)
Hardware	(18,819		)	(20,247		)	(4,828		)	(10,568		)	(58,261		)
Venture capital/private equity	—			—			—			—			(10,635		)
Life science	(6,010		)	(5,080		)	(4,201		)	(17,629		)	(16,853		)
Premium wine	—			(584		)	(449		)	(1,457		)	(3,107		)
Other	(8,107		)	(2,485		)	(3,954		)	(4,866		)	(2,245		)
Total commercial loans	(41,797		)	(32,712		)	(23,684		)	(50,750		)	(129,970		)
Consumer loans	(869		)	(607		)	(220		)	(489		)	(13,600		)
Total charge-offs	(42,666		)	(33,319		)	(23,904		)	(51,239		)	(143,570		)
Recoveries:
Commercial loans:
Software	1,934			4,874			11,659			5,838			2,284
Hardware	2,677			1,107			455			5,715			12,645
Venture capital/private equity	—			—			—			—			—
Life science	1,860			334			6,644			3,738			2,708
Premium wine	170			650			1,223			222			55
Other	2,995			1,377			471			737			413
Total commercial loans	9,636			8,342			20,452			16,250			18,105
Consumer loans	1,572			1,351			4,671			538			339
Total recoveries	11,208			9,693			25,123			16,788			18,444
Provision for loan losses	63,693			44,330			6,101			44,628			90,180
Allowance for loan losses balance, end of year	$	142,886		$	110,651		$	89,947		$	82,627		$	72,450

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The following table summarizes the allocation of the allowance for loan losses among specific classes of loans as of the five most recent year-ends:

	December 31,
	2013				2012				2011				2010				2009
(Dollars in thousands)	ALLL Amount		Loans as Percent of Total Loans (1)		ALLL Amount		Loans as Percent of Total Loans (1)		ALLL Amount		Loans as Percent of Total Loans (1)		ALLL Amount		Loans as Percent of Total Loans (1)		ALLL Amount		Loans as Percent of Total Loans (1)
Commercial loans:
Software	$	64,084	38.0	%	$	42,648	36.5	%	$	38,263	35.8	%	$	29,288	33.0	%	$	24,209	30.4	%
Hardware	36,553		11.1		29,761		12.5		16,810		13.7		14,688		11.6		16,194		13.2
Venture capital/private equity	16,385		21.9		9,963		19.4		7,319		16.1		8,241		18.8		5,664		20.4
Life science	11,926		10.7		13,606		11.9		10,243		12.4		9,077		10.5		9,651		11.4
Premium wine	3,914		6.1		3,523		6.2		3,914		6.8		5,492		8.2		4,652		9.7
Other	3,680		3.4		3,912		4.3		5,817		5.3		5,318		7.9		3,877		5.3
Total commercial loans	136,542		91.2		103,413		90.8		82,366		90.1		72,104		90.0		64,247		90.4
Consumer loans	6,344		8.8		7,238		9.2		7,581		9.9		10,523		10.0		8,203		9.6
Total	$	142,886	100.0	%	$	110,651	100.0	%	$	89,947	100.0	%	$	82,627	100.0	%	$	72,450	100.0	%

(1) Represents loan category as a percentage of total gross loans as of year-end.

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Nonperforming Assets

Nonperforming assets consist of loans on nonaccrual status and foreclosed property classified as Other Real Estate Owned (“OREO”). We measure all loans placed on nonaccrual status for impairment based on the fair value of the underlying collateral or the net present value of the expected cash flows. The table below sets forth certain data and ratios between nonperforming loans, nonperforming assets and the allowance for loan losses:

	December 31,
(Dollars in thousands)	2013			2012			2011			2010			2009
Gross nonperforming, past due, and restructured loans:
Impaired loans	$	51,649		$	38,279		$	36,617		$	39,426		$	50,227
OREO	1,001			—			—			—			220
Total nonperforming assets	$	52,650		$	38,279		$	36,617		$	39,426		$	50,447
Loans past due 90 days or more still accruing interest	$	99		$	19		$	—		$	44		$	2,456
Performing TDRs	403			734			2,100			—			—
Nonperforming loans as a percentage of total gross loans	0.47		%	0.42		%	0.52		%	0.71		%	1.10		%
Nonperforming assets as a percentage of total assets	0.20			0.17			0.18			0.22			0.39
Allowance for loan losses	$	142,886		$	110,651		$	89,947		$	82,627		$	72,450
As a percentage of total gross loans	1.30		%	1.23		%	1.28		%	1.48		%	1.58		%
As a percentage of total gross nonperforming loans	276.65			289.06			245.64			209.57			144.25
Allowance for loan losses for impaired loans	$	21,277		$	6,261		$	3,707		$	6,936		$	8,868
As a percentage of total gross loans	0.19		%	0.07		%	0.05		%	0.12		%	0.19		%
As a percentage of total gross nonperforming loans	41.20			16.36			10.12			17.59			17.66
Allowance for loan losses for total gross performing loans	$	121,609		$	104,390		$	86,240		$	75,691		$	63,582
As a percentage of total gross loans	1.11		%	1.16		%	1.23		%	1.36		%	1.39		%
As a percentage of total gross performing loans	1.11			1.16			1.23			1.37			1.40
Total gross loans	$	10,995,268		$	9,024,248		$	7,030,321		$	5,567,205		$	4,582,966
Total gross performing loans	10,943,619			8,985,969			6,993,704			5,527,779			4,532,739
Reserve for unfunded credit commitments (1)	29,983			22,299			21,811			17,414			13,331
As a percentage of total unfunded credit commitments	0.26		%	0.26		%	0.27		%	0.25		%	0.22		%
Total unfunded credit commitments (2)	$	11,470,722		$	8,610,791		$	8,067,570		$	6,918,689		$	5,944,042

(1) The “Reserve for unfunded credit commitments” is included as a component of other liabilities. See “Provision for Unfunded Credit Commitments” above for a discussion of the changes to the reserve.

(2) Includes unfunded loan commitments and letters of credit.

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Nonaccrual Loans

The following table presents a detailed composition of nonaccrual loans by industry sector as of the five most recent year-ends:

	December 31,
(Dollars in thousands)	2013		2012		2011		2010		2009
Commercial loans:
Software	$	27,618	$	3,263	$	1,142	$	3,292	$	8,059
Hardware	19,667		21,863		5,183		3,824		15,823
Venture capital/private equity	40		—		—		—		—
Life science	1,278		—		311		3,412		1,833
Premium wine	1,442		4,398		3,212		6,162		285
Other	690		5,415		5,353		2,177		2,901
Total commercial loans	50,735		34,939		15,201		18,867		28,901
Consumer loans:
Real estate secured loans	244		2,239		18,283		20,559		21,165
Other consumer loans	670		1,101		3,133		—		161
Total consumer loans	914		3,340		21,416		20,559		21,326
Total nonaccrual loans	$	51,649	$	38,279	$	36,617	$	39,426	$	50,227

If the nonaccrual loans for 2013, 2012, 2011, 2010 and 2009 had not been impaired, $3.5 million, $2.9 million, $3.4 million, $3.1 million and $7.7 million, respectively, in interest income would have been recorded.

Accrued Interest Receivable and Other Assets

A summary of accrued interest receivable and other assets at December 31, 2013 and 2012 is as follows:

	December 31,
(Dollars in thousands)	2013		2012		% Change
Derivative assets, gross (1)	$	127,114	$	98,266	29.4	%
Foreign exchange spot contract assets, gross	73,423		42,653		72.1
Net deferred tax assets	68,237		—		—
Accrued interest receivable	67,772		64,167		5.6
FHLB and Federal Reserve Bank stock	40,632		39,806		2.1
Accounts receivable	15,773		15,650		0.8
Other assets	72,159		66,329		8.8
Total accrued interest receivable and other assets	$	465,110	$	326,871	42.3

NM—Not meaningful

(1) See “Derivatives” section below.

Deferred Tax Assets

Our deferred taxes moved to a net asset position as of December 31, 2013, primarily due to a decrease in the fair value of our available-for-sale securities portfolio resulting from significant increases in period-end market interest rates.

Foreign Exchange Spot Contract Assets

Foreign exchange spot contract assets represent unsettled client trades at the end of the period. The increase of $31 million was primarily due to increased client trade activity at period-end, and is consistent with the increase in foreign exchange spot contract liabilities (see “Other Liabilities” section below).

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Derivatives

Derivative instruments are recorded as a component of other assets and other liabilities on the balance sheet. The following table provides a summary of derivative assets and liabilities, net at December 31, 2013 and 2012: 

	December 31,
(Dollars in thousands)	2013			2012			% Change
Assets:
Equity warrant assets	$	103,513		$	74,272		39.4	%
Foreign exchange forward and option contracts	15,530			13,541			14.7
Interest rate swaps	6,492			9,005			(27.9	)
Loan conversion options	314			890			(64.7	)
Client interest rate derivatives	1,265			558			126.7
Total derivatives assets	$	127,114		$	98,266		29.4
Liabilities:
Foreign exchange forward and option contracts	$	(12,617	)	$	(12,847	)	(1.8	)
Client interest rate derivatives	(1,396		)	(590		)	136.6
Total derivatives liabilities	$	(14,013	)	$	(13,437	)	4.3

Equity Warrant Assets

In connection with negotiating credit facilities and certain other services, we often obtain rights to acquire stock in the form of equity warrant assets in primarily private, venture-backed companies in the technology and life science industries. At December 31, 2013, we held warrants in 1,320 companies, compared to 1,270 companies at December 31, 2012. The change in fair value of equity warrant assets is recorded in gains on derivatives instruments, net, in noninterest income, a component of consolidated net income. The following table provides a summary of transactions and valuation changes for the years ended December 31, 2013 and 2012:

	Year ended December 31,
(Dollars in thousands)	2013			2012
Balance, beginning of period	$	74,272		$	66,953
New equity warrant assets	13,218			13,854
Non-cash increases in fair value	37,835			10,907
Exercised equity warrant assets	(21,362		)	(15,920		)
Terminated equity warrant assets	(450		)	(1,522		)
Balance, end of period	$	103,513		$	74,272

Foreign Exchange Forward and Foreign Currency Option Contracts

We enter into foreign exchange forward contracts and foreign currency option contracts with clients involved in foreign activities, either as the purchaser or seller, depending upon the clients’ need. For each forward or option contract entered into with our clients, we enter into an opposite way forward or option contract with a correspondent bank, which mitigates the risk of fluctuations in currency rates. We also enter into forward contracts with correspondent banks to economically reduce our foreign exchange exposure related to certain foreign currency denominated instruments. Revaluations of foreign currency denominated instruments are recorded on the line item “Other” as part of noninterest income, a component of consolidated net income. We have not experienced nonperformance by a counterparty and therefore have not incurred any related losses. Further, we anticipate performance by all counterparties. Our net exposure for foreign exchange forward and foreign currency option contracts at December 31, 2013 and 2012 amounted to $2.9 million and $0.7 million, respectively. For additional information on our foreign exchange forward contracts and foreign currency option contracts, see Note 12–“Derivative Financial Instruments” of the “Notes to the Consolidated Financial Statements” under Part II, Item 8 of this report.

Interest Rate Swaps

For information on our interest rate swaps, please refer to Note 12–“Derivative Financial Instruments” of the “Notes to Consolidated Financial Statements” under Part II, Item 8 of this report.

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Deposits

The following table presents the composition of our deposits as of December 31, 2013, 2012, and 2011:

	December 31,
(Dollars in thousands)	2013		2012		2011
Noninterest-bearing demand	$	15,894,360	$	13,875,275	$	11,861,888
Negotiable order of withdrawal (NOW)	151,746		133,260		112,690
Money market	4,373,974		2,969,769		2,483,406
Money market deposits in foreign offices	181,299		110,915		117,638
Sweep deposits in foreign offices	1,657,740		1,932,045		1,978,165
Time	213,860		155,188		155,749
Total deposits	$	22,472,979	$	19,176,452	$	16,709,536

The increase in deposits of $3.3 billion in 2013 was primarily driven by increases in our noninterest-bearing demand and money market deposits of $2.0 billion and $1.4 billion, respectively, reflective of growth from new clients and strong IPO and M&A activity during the year resulting in increased balances from existing clients. No material portion of our deposits has been obtained from a single depositor and the loss of any one depositor would not materially affect our business.

The increase in deposits of $2.5 billion in 2012 was primarily driven by increases in our noninterest-bearing demand deposits of $2.0 billion, reflective of growth from new clients and the continued lack of attractive market investment opportunities for our deposit clients.

At December 31, 2013, 29.3 percent of our total deposits were interest-bearing deposits, compared to 27.6 percent at December 31, 2012 and 29.0 percent at December 31, 2011.

At December 31, 2013, the aggregate balance of time deposit accounts individually equal to or greater than $100,000 totaled $197 million, compared to $133 million at December 31, 2012 and $126 million at December 31, 2011. At December 31, 2013, substantially all time deposit accounts individually equal to or greater than $100,000 were scheduled to mature within one year. The maturity profile of our time deposits as of December 31, 2013 is as follows:

	December 31, 2013
(Dollars in thousands)	Three months or less		More than three months to six months		More than six months to twelve months		More than twelve months		Total
Time deposits, $100,000 and over	$	162,534	$	12,137	$	22,719	$	—	$	197,390
Other time deposits	9,909		2,950		3,526		85		16,470
Total time deposits	$	172,443	$	15,087	$	26,245	$	85	$	213,860

Short-Term Borrowings

The following table summarizes our short-term borrowings that mature in one month or less:

	December 31,
	2013				2012				2011
(Dollars in thousands)	Amount		Rate		Amount		Rate		Amount		Rate
Federal funds purchased	$	—	—	%	$	160,000	0.07	%	$	—	—	%
Other short-term borrowings	5,080		0.08		6,110		0.16		—		—
Total short-term borrowings	5,080		0.08		166,110		0.07		—		—

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Average daily balances and maximum month-end balances for our short-term borrowings in 2013, 2012 and 2011 are as follows:

	Year ended December 31,
(Dollars in thousands)	2013			2012		2011
Average daily balances:
Federal Funds purchased (1)	$	13,729		$	30,638	$	2,478
FHLB advances	7,959			32,036		55
Securities (purchased) sold under agreements to repurchase	(435		)	3,341		1,666
Other short-term borrowings (2)	5,765			4,787		12,795
Total average short-term borrowings	$	27,018		$	70,802	$	16,994
Maximum month-end balances:
Federal Funds purchased	$	15,000		$	315,000	$	—
FHLB advances	—			530,000		—
Securities (purchased) sold under agreements to repurchase	(5,120		)	—		—
Other short-term borrowings	7,460			6,570		38,645

(1) As part of our liquidity risk management practices, we periodically test availability and access to overnight borrowings in the Fed Funds market. These balances represent short-term borrowings.

(2) Represents cash collateral received from counterparties for our interest rate swap agreements related to our 5.70% Senior Notes and 6.05% Subordinated Notes.

Long-Term Debt

The following table represents outstanding long-term debt at December 31, 2013, 2012 and 2011:

	Principal value at December 31, 2013		December 31,
(Dollars in thousands)			2013		2012		2011
5.375% Senior Notes	$	350,000	$	348,209	$	347,995	$	347,793
5.70% Senior Notes	—		—		—		143,969
6.05% Subordinated Notes	45,964		51,987		54,571		55,075
Junior Subordinated Debentures	50,000		55,020		55,196		55,372
Other long-term debt	—		—		—		1,439
Total long-term debt	$	445,964	$	455,216	$	457,762	$	603,648

The decrease of $3 million in our long-term debt in 2013 was primarily due to a decrease in the value of the hedge associated with our 6.05% Subordinated Notes. The decrease in our long-term debt in 2012 was primarily due to the maturity of $141 million of our 5.70% Senior Notes on June 1, 2012.

For more information on our long-term debt, please refer to Note 11–“Short-Term Borrowings and Long-Term Debt” of the “Notes to the Consolidated Financial Statements” under Part II, Item 8 in this report.

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Other Liabilities

A summary of other liabilities at December 31, 2013 and 2012 is as follows:

	December 31,
(Dollars in thousands)	2013		2012		% Change
Accrued compensation	$	117,134	$	94,209	24.3	%
Foreign exchange spot contract liabilities, gross	90,725		57,868		56.8
Reserve for unfunded credit commitments	29,983		22,299		34.5
Derivative liabilities, gross (1)	14,013		13,437		4.3
Net deferred tax liabilities	—		25,580		(100.0	)
Other	152,731		147,173		3.8
Total other liabilities	$	404,586	$	360,566	12.2

(1) See “Derivatives” section above.

Foreign Exchange Spot Contract Liabilities

Foreign exchange spot contract liabilities represent unsettled client trades at the end of the period. The increase of $33 million was primarily due to increased client trade activity at period-end, and is consistent with the increase in foreign exchange spot contract assets. (See “Accrued Interest Receivable and Other Assets” section above).

Accrued Compensation

Accrued compensation includes amounts for our Incentive Compensation Plans, Direct Drive Incentive Compensation Plan, Retention Program, Warrant Incentive Plan, ESOP/profit sharing and other compensation arrangements. The increase of $23 million was primarily the result of larger incentive compensation accruals at December 31, 2013 due to our strong performance in 2013. For a description of our variable compensation plans please refer to Note 15—“Employee Compensation and Benefit Plans” of the “Notes to the Consolidated Financial Statements” under Part II, Item 8 in this report.

Net Deferred Tax Liabilities

Our deferred taxes moved to a net asset position as of December 31, 2013, primarily due to a decrease in the fair value of our available-for-sale securities portfolio resulting from significant increases in period-end market interest rates. See "Other Assets" above.

Reserve for Unfunded Credit Commitments

Our reserve for unfunded credit commitments increased to $30 million at December 31, 2013, compared to $22 million at December 31, 2012, due to a $2.9 billion increase in unfunded credit commitments during 2013.

Noncontrolling Interests

Noncontrolling interests totaled $1.1 billion and $0.8 billion at December 31, 2013 and 2012, respectively. The increase of $0.3 billion was primarily due to net income attributable to noncontrolling interests of $330 million for the year ended December 31, 2013, primarily related to unrealized gains from FireEye and Twitter and other valuation increases in our managed funds. For more information, refer to Note 2—"Summary of Significant Accounting Policies—Principles of Consolidation and Presentation" of the "Notes to the Consolidated Financial Statements" under Part II, Item 8 in this report.

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Capital Resources

Our management seeks to maintain adequate capital to support anticipated asset growth, operating needs and unexpected credit risks, and to ensure that SVB Financial and the Bank are in compliance with all regulatory capital guidelines. Our primary sources of new capital include retained earnings and proceeds from the sale and issuance of capital stock or other securities. Our management engages, in consultation with the Finance Committee of our Board of Directors, in a regular capital planning process in an effort to optimize the use of the capital available to us and to appropriately plan for our future capital needs. The capital plan considers capital needs for the foreseeable future and allocates capital to both existing and future business activities. Expected future use or activities for which capital may be set aside include balance sheet growth and associated relative increases in market or credit exposure, investment activity, potential product and business expansions, acquisitions and strategic or infrastructure investments.

SVBFG Stockholders’ Equity

SVBFG stockholders’ equity totaled $2.0 billion at December 31, 2013, an increase of $136 million, or 7.4 percent compared to $1.8 billion at December 31, 2012. This increase was primarily the result of net income of $216 million in 2013 and an increase in additional-paid-in-capital of $77 million primarily from stock option exercises and amortization of share based compensation expense. These increases were offset by a decrease in accumulated other comprehensive (loss) income of $157 million primarily as a result of the decline in the fair value of our available-for-sale securities portfolio as a result of significant increases in period-end market interest rates.

Funds generated through retained earnings are a significant source of capital and liquidity and are expected to continue to be so in the future.

Capital Ratios

Regulatory capital ratios for SVB Financial and the Bank exceeded minimum federal regulatory guidelines for a well-capitalized depository institution as of December 31, 2013, 2012 and 2011. See Note 19–“Regulatory Matters” of the “Notes to the Consolidated Financial Statements” under Part II, Item 8 in this report for further information. Capital ratios for SVB Financial and the Bank, compared to the minimum regulatory ratios to be considered “well capitalized” and “adequately capitalized”, are set forth below:

	December 31,						Minimum ratio to be “Well Capitalized”		Minimum ratio to be “Adequately Capitalized”
	2013		2012		2011
SVB Financial:
Total risk-based capital ratio (1)	13.13	%	14.05	%	13.95	%	10.0	%	8.0	%
Tier 1 risk-based capital ratio (1)	11.94		12.79		12.62		6.0		4.0
Tier 1 leverage ratio	8.31		8.06		7.92		N/A		4.0
Tangible common equity to tangible assets ratio (2)(3)	7.44		8.04		7.86		N/A		N/A
Tangible common equity to risk-weighted assets ratio (1)(2)(3)	11.63		13.53		13.25		N/A		N/A
Bank:
Total risk-based capital ratio (1)	11.32	%	12.53	%	12.33	%	10.0	%	8.0	%
Tier 1 risk-based capital ratio (1)	10.11		11.24		10.96		6.0		4.0
Tier 1 leverage ratio	7.04		7.06		6.87		5.0		4.0
Tangible common equity to tangible assets ratio (2)(3)	6.59		7.41		7.18		N/A		N/A
Tangible common equity to risk-weighted assets ratio (1)(2)(3)	9.87		12.08		11.75		N/A		N/A

(1) Our risk-weighted assets for 2012 reflect a refinement in our determination of certain unfunded credit commitments related to the contractual borrowing base.

(2) See below for a reconciliation of non-GAAP tangible common equity to tangible assets and tangible common equity to risk-weighted assets.

(3) The FRB has not issued any minimum guidelines for the tangible common equity to tangible assets ratio or the tangible common equity to risk-weighted assets ratio. However, we believe these ratios provide meaningful supplemental information regarding our capital levels and are therefore provided above.

2013 compared to 2012

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Our total risk-based capital (includes tier 1 and tier 2 capital components) and tier 1 risk-based capital ratios for both SVB Financial and the Bank decreased compared to December 31, 2012, reflective of continued growth in risk-weighted assets and the increase in other comprehensive loss due to the decrease in available-for-sale securities valuations at December 31, 2013, partially offset by growth in retained earnings and additional paid-in-capital. The growth in risk-weighted assets was primarily due to the significant growth in our loan balances. Our tier 1 leverage ratio for SVB Financial increased compared to December 31, 2012 due to growth in retained earnings and additional-paid-in-capital, the impact of which was partially offset by continued growth in assets. Our tier 1 leverage ratio for the Bank held relatively flat as our growth in retained earnings matched our growth in assets. All of our capital ratios are above the levels to be considered “well capitalized”.

2012 compared to 2011

Our total risk-based capital (includes tier 1 and tier 2 capital components) and tier 1 risk-based capital ratios for both SVB Financial and the Bank increased compared to December 31, 2011 reflective of growth in retained earnings, largely offset by continued growth in risk-weighted assets. Additionally, during the third quarter of 2012, we refined our determination of certain unfunded credit commitments related to the contractual borrowing base, which increased these ratios by approximately 40 basis points. Our tier 1 leverage ratios for both SVB Financial and the Bank increased compared to December 31, 2011 due to growth in retained earnings and additional-paid-in-capital, the impact of which was partially offset by continued growth in assets. All of our capital ratios are above the levels to be considered “well capitalized”.

The tangible common equity to tangible assets ratio and the tangible common equity to risk-weighted assets ratios are not required by GAAP or applicable bank regulatory requirements. However, we believe these ratios provide meaningful supplemental information regarding our capital levels. Our management uses, and believes that investors benefit from referring to, these ratios in evaluating the adequacy of the Company’s capital levels; however, this financial measure should be considered in addition to, not as a substitute for or preferable to, comparable financial measures prepared in accordance with GAAP. These ratios are calculated by dividing total SVBFG stockholder’s equity, by total period-end assets and risk-weighted assets, after reducing both amounts by acquired intangibles, if any. The manner in which this ratio is calculated varies among companies. Accordingly, our ratio is not necessarily comparable to similar measures of other companies. The following table provides a reconciliation of non-GAAP financial measures with financial measures defined by GAAP:

Non-GAAP tangible common equity and tangible assets (dollars in thousands, except ratios)	SVB Financial
	December 31, 2013			December 31, 2012			December 31, 2011			December 31, 2010			December 31, 2009
GAAP SVBFG stockholders’ equity	$	1,966,270		$	1,830,555		$	1,569,392		$	1,274,350		$	1,128,343
Less:
Preferred stock	—			—			—			—			—
Goodwill	—			—			—			—			—
Intangible assets	—			—			601			847			665
Tangible common equity	$	1,966,270		$	1,830,555		$	1,568,791		$	1,273,503		$	1,127,678
GAAP Total assets	$	26,417,189		$	22,766,123		$	19,968,894		$	17,527,761		$	12,841,399
Less:
Goodwill	—			—			—			—			—
Intangible assets	—			—			601			847			665
Tangible assets	$	26,417,189		$	22,766,123		$	19,968,293		$	17,526,914		$	12,840,734
Risk-weighted assets (1)	$	16,901,501		$	13,532,984		$	11,837,902		$	9,406,677		$	7,494,498
Tangible common equity to tangible assets	7.44		%	8.04		%	7.86		%	7.27		%	8.78		%
Tangible common equity to risk-weighted assets	11.63			13.53			13.25			13.54			15.05

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Non-GAAP tangible common equity and tangible assets (dollars in thousands, except ratios)	Bank
	December 31, 2013			December 31, 2012			December 31, 2011			December 31, 2010			December 31, 2009
Tangible common equity	$	1,639,024		$	1,591,643		$	1,346,854		$	1,074,561		$	914,068
Tangible assets	$	24,854,119		$	21,471,111		$	18,758,813		$	16,268,589		$	12,186,203
Risk-weighted assets (1)	$	16,612,870		$	13,177,887		$	11,467,401		$	9,047,907		$	7,293,332
Tangible common equity to tangible assets	6.59		%	7.41		%	7.18		%	6.61		%	7.50		%
Tangible common equity to risk-weighted assets	9.87			12.08			11.75			11.88			12.53

(1) Our risk-weighted assets for 2012 reflect a refinement in our determination of risk rating for certain unfunded credit commitments related to the contractual borrowing base.

2013 compared to 2012

For both SVB Financial and the Bank, the tangible common equity to tangible assets and tangible common equity to risk-weighted assets ratios decreased due to increases in tangible and risk weighted assets. For the tangible common equity to tangible assets ratios, the growth in tangible assets exceeded the growth in equity, which primarily reflects our growth in investment securities and period-end loan balances. For the tangible common equity to risk-weighted assets ratios, the growth in risk-weighted assets exceeded the growth in equity, which primarily reflects our growth in period-end loan balances.

2012 compared to 2011

For both SVB Financial and the Bank, the tangible common equity to tangible assets and tangible common equity to risk-weighted assets ratios increased due to an increase in retained earnings, an increase in accumulated other comprehensive income from increases in the fair value of our available-for-sale securities portfolio, and an increase in additional-paid-in-capital from stock option exercises, stock purchases under our ESPP plan, and ESOP contributions during 2012. For the tangible common equity to tangible assets ratios, the growth in equity was partially offset by increases in tangible assets, which primarily reflects our growth in deposits. For the tangible common equity to risk-weighted assets ratios, the growth in equity was partially offset by increases in risk-weighted assets, which primarily reflects our growth in period-end loan balances.

Off-Balance Sheet Arrangements and Aggregate Contractual Obligations

In the normal course of business, we use financial instruments with off-balance sheet risk to meet the financing needs of our customers. These financial instruments include commitments to extend credit, commercial and standby letters of credit and commitments to invest in venture capital and private equity fund investments. These instruments involve, to varying degrees, elements of credit risk. Credit risk is defined as the possibility of sustaining a loss because other parties to the financial instrument fail to perform in accordance with the terms of the contract. Please refer to the discussion of our off-balance sheet arrangements in Note 17-“Off-Balance Sheet Arrangements, Guarantees and Other Commitments” of the “Notes to Consolidated Financial Statements” under Part II, Item 8 in this report.

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As of December 31, 2013, we, or the funds in which we have an ownership interest and manage, had the following unfunded contractual obligations and commercial commitments:

	Payments Due By Period
(Dollars in thousands)	Total		Less than 1 year		1-3 years		4-5 years		After 5 years
SVBFG contractual obligations:
Borrowings	$	460,296	$	5,080	$	—	$	51,987	$	403,229
Non-cancelable operating leases, net of income from subleases	162,733		16,111		39,439		35,971		71,212
Remaining unfunded commitments to other fund investments (1)	47,037		47,037		—		—		—
Remaining unfunded commitments to Partners for Growth, LP	9,750		9,750		—		—		—
Remaining unfunded commitments to debt funds (equity method accounting)	4,950		4,950		—		—		—
Commitments to low income housing tax credit funds	45,808		35,809		8,425		198		1,376
Other obligations	21,542		7,145		12,056		2,341		—
SVBFG unfunded commitments to our managed funds:
SVB Strategic Investors Fund, LP (1)	688		688		—		—		—
SVB Strategic Investors Fund II, LP (1)	1,050		1,050		—		—		—
SVB Strategic Investors Fund III, LP (1)	1,688		1,688		—		—		—
SVB Strategic Investors Fund IV, LP (1)	3,060		3,060		—		—		—
Strategic Investors Fund V Funds (1)	330		330		—		—		—
Strategic Investors Fund VI Funds (1)	483		483		—		—		—
SVB Capital - NT Growth Partners, LP (1)	1,340		1,340		—		—		—
Silicon Valley BancVentures, LP (1)	270		270		—		—		—
SVB Capital Partners II, LP (1)	162		162		—		—		—
SVB Capital Shanghai Yangpu Venture Capital Fund (1)	163		163		—		—		—
Total obligations attributable to SVBFG	$	761,350	$	135,116	$	59,920	$	90,497	$	475,817
Remaining unfunded commitments to venture capital and private equity funds by our consolidated managed funds of funds:
SVB Strategic Investors Fund, LP (1)	$	2,266	$	2,266	$	—	$	—	$	—
SVB Strategic Investors Fund II, LP (1)	7,251		7,251		—		—		—
SVB Strategic Investors Fund III, LP (1)	22,996		22,996		—		—		—
SVB Strategic Investors Fund IV, LP (1)	61,526		61,526		—		—		—
Strategic Investors Fund V Funds (1)	231,033		231,033		—		—		—
Strategic Investors Fund VI Funds (1)	76,906		76,906
SVB Capital Preferred Return Fund, LP (1)	10,309		10,309		—		—		—
SVB Capital - NT Growth Partners, LP (1)	12,060		12,060		—		—		—
Other private equity fund (1)	3,792		3,792		—		—		—
Total obligations to venture capital and private equity funds by our consolidated managed funds of funds	$	428,139	$	428,139	$	—	$	—	$	—
	Amount of commitment expiring per period
(Dollars in thousands)	Total		Less than 1 year		1-3 years		4-5 years		After 5 years
Other commercial commitments:
Total loan commitments available for funding	$	10,494,754	$	6,101,364	$	3,359,823	$	930,495	$	103,072
Standby letters of credit	968,210		904,058		45,579		18,529		44
Commercial letters of credit	7,758		7,758		—		—		—

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(1) See Note 7–“Investment Securities” of the “Notes to the Consolidated Financial Statements” under Part II, Item 8 in this report, for further disclosure related to non-marketable and other securities. Subject to applicable regulatory requirements, including the Volcker Rule (See "Business - Supervision and Regulation" under Item 1 of Part I of this report), we make commitments to invest in venture capital and private equity funds, which in turn make investments generally in, or in some cases make loans to, privately-held companies . Commitments to invest in these funds are generally made for a 10-year period from the inception of the fund. Although the limited partnership agreements governing these investments typically do not restrict the general partners from calling 100% of committed capital in one year, it is customary for these funds to generally call most of the capital commitments over 5 to 7 years; however in certain cases, the funds may not call 100% of committed capital over the life of the fund. The actual timing of future cash requirements to fund these commitments is generally dependent upon the investment cycle, overall market conditions, and the nature and type of industry in which the privately held companies operate.

Liquidity

The objective of liquidity management is to ensure that funds are available in a timely manner to meet our financial obligations, including, as necessary, paying creditors, meeting depositors’ needs, accommodating loan demand and growth, funding investments, repurchasing securities and other operating or capital needs, without incurring undue cost or risk, or causing a disruption to normal operating conditions.

We regularly assess the amount and likelihood of projected funding requirements through a review of factors such as historical deposit volatility and funding patterns, present and forecasted market and economic conditions, individual client funding needs, and existing and planned business activities. Our Asset/Liability Committee (“ALCO”), which is a management committee, provides oversight to the liquidity management process and recommends policy guidelines for the approval of the Finance Committee of our Board of Directors, and courses of action to address our actual and projected liquidity needs.

Our deposit base is, and historically has been, our primary source of liquidity. Our deposit levels and cost of deposits may fluctuate from time to time due to a variety of factors, including market conditions, prevailing interest rates, changes in client deposit behaviors, availability of insurance protection, and our offering of deposit products. At December 31, 2013, our period-end total deposit balances increased by $3.3 billion to $22.5 billion, compared to $19.2 billion at December 31, 2012. The overall increase in deposit balances was primarily due to the addition of new clients and increased fundraising activity by our venture capital/private equity clients.

Our liquidity requirements can also be met through the use of our portfolio of liquid assets. Our definition of liquid assets includes cash and cash equivalents in excess of the minimum levels necessary to carry out normal business operations, short-term investment securities maturing within one year, available-for-sale securities eligible and available for financing or pledging purposes with a maturity in excess of one year and anticipated near-term cash flows from investments.

On a stand-alone basis, SVB Financial’s primary liquidity channels include dividends from the Bank, its portfolio of liquid assets, and its ability to raise debt and capital. The ability of the Bank to pay dividends is subject to certain regulations described in “Business—Supervision and Regulation—Restriction on Dividends” under Part I, Item 1 in this report.

Consolidated Summary of Cash Flows

Below is a summary of our average cash position and statement of cash flows for 2013, 2012 and 2011, respectively: (For further details, see our consolidated statements of cash flows under "Consolidated Financial Statements and Supplemental Data" under Part II, Item 8 of this report.)

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Average cash and cash equivalents	$	1,584,042		$	1,494,961		$	2,257,597
Percentage of total average assets	6.8		%	7.0		%	12.1		%
Net cash provided by operating activities	$	173,086		$	202,080		$	166,392
Net cash used for investing activities	(2,840,296		)	(2,892,340		)	(4,038,956		)
Net cash provided by financing activities	3,197,006			2,584,295			1,911,080
Net decrease in cash and cash equivalents	$	529,796		$	(105,965	)	$	(1,961,484	)

Average cash and cash equivalents increased by $89 million to $1.6 billion in 2013, compared to $1.5 billion for the comparable 2012 period. The increase was primarily due to the increase in deposit balances.

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2013

Cash provided by operating activities of $173 million in 2013 included net income of $215.9 million which was partially offset by an increase in our income tax receivables of $24.8 million.

Cash used for investing activities of $2.8 billion in 2013 included $3.3 billion for purchases of available-for-sale securities and $1.9 billion net increase in loans. These cash outflows were partially offset by $2.4 billion from sales, maturities and paydowns of available-for-sale securities.

Cash provided by financing activities of $3.2 billion in 2013 included a $3.3 billion increase in deposits, partially offset by a decrease of $161 million from short-term borrowings, primarily due to pay-offs of Federal funds purchased during the year.

Cash and cash equivalents at December 31, 2013 were $1.5 billion, compared to $1.0 billion at December 31, 2012.

2012

Cash provided by operating activities of $202 million in 2012 included net income of $175 million and $35 million in net cash received from accounts receivable/payable, partially offset by cash outflows of $51 million to reduce our net foreign exchange spot contract position and $16 million in net payouts of accrued compensation.

Cash used for investing activities of $2.9 billion in 2012 included $3.9 billion for purchases of available-for-sale securities, a $2.0 billion net increase in loans, $262 million for purchases of non-marketable and other securities and $40 million for purchases of premises and equipment. These cash outflows were partially offset by $3.1 billion from sales, maturities and paydowns of available-for-sale securities, $176 million from sales or distributions of non-marketable and other securities and $10 million in recoveries from loans previously charged-off.

Cash provided by financing activities of $2.6 billion in 2012 included a $2.5 billion increase in deposits, $166 million from short-term borrowings, $59 million from capital contributions (net of distributions) from noncontrolling interests and $29 million from the issuance of common stock and ESPP. These cash inflows were offset by principal payments of $141 million upon maturity of our 5.70% Senior Notes.

Cash and cash equivalents at December 31, 2012 were $1.0 billion, compared to $1.1 billion at December 31, 2011.

2011

Cash provided by operating activities of $166 million in 2011 included net income of $172 million, a $63 million increase in net foreign exchange spot contracts and a $35 million increase in accrued compensation. These increases were partially offset by net cash outflows of $39 million from accounts receivable/payable and net cash outflows of $12 million from interest receivable/payable.

Cash used for investing activities was $4.0 billion in 2011. Net cash outflows included purchases of available-for-sale securities of $7.1 billion, a net increase in loans of $1.4 billion, purchases of non-marketable and other securities of $224 million and purchases of premises and equipment of $31 million. Net cash inflows included proceeds from the sales, maturities and pay downs of available-for-sale securities of $4.6 billion, sales or distributions of non-marketable and other securities of $117 million and recoveries of $25 million from loans previously charged-off.

Cash provided by financing activities was $1.9 billion in 2011. Net cash inflows included increases in deposits of $2.4 billion, capital contributions (net of distributions) from noncontrolling interests of $96 million, proceeds of $37 million from the termination of portions of interest rate swaps associated with our 5.70% Senior Notes and 6.05% Subordinated Notes and proceeds from issuance of common stock and ESPP of $37 million. Net cash outflows included payments of $346 million (including repurchase premiums and associated fees) for the repurchase of portions of our 5.70% Senior Notes and 6.05% Subordinated Notes, settlement of the maturity of $250 million of our 3.875% Convertible Notes, and a decrease in short-term borrowings of $37 million due to the return of collateral to our counterparties that we had previously held related to our interest rate swaps.

Cash and cash equivalents at December 31, 2011 were $1.1 billion, compared to $3.1 billion at December 31, 2010.

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ITEM 7A.         QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Interest Rate Risk Management

Market risk is defined as the risk of adverse fluctuations in the market value of financial instruments due to changes in market interest rates. Interest rate risk is our primary market risk and can result from timing and volume differences in the repricing of our rate-sensitive assets and liabilities, widening or tightening of credit spreads, changes in the general level of market interest rates and changes in the shape and level of the benchmark LIBOR/SWAP yield curve. Additionally, changes in interest rates can influence the rate of principal prepayments on mortgage securities, which affects the rate of amortization of purchase premiums and discounts. Other market risks include foreign currency exchange risk and equity price risk. These risks are not considered significant interest rate sensitive risks and no separate quantitative information concerning them is presented herein.

Interest rate risk is managed by our ALCO. ALCO reviews the market valuation and 12-month forward looking earnings sensitivity of assets and liabilities to changes in interest rates, structural changes in investment and funding portfolios, loan and deposit activity and current market conditions. Adherence to relevant policies, which are approved by the Finance Committee of our Board of Directors, is monitored on an ongoing basis.

Management of interest rate risk is carried out primarily through strategies involving our available-for-sale securities, available funding channels and capital market activities. In addition, our policies permit the use of off-balance sheet derivative instruments to assist in managing interest rate risk.

We utilize a simulation model to perform sensitivity analysis on the economic value of equity and net interest income under a variety of interest rate scenarios, balance sheet forecasts and proposed strategies. The simulation model provides a dynamic assessment of interest rate sensitivity embedded in our balance sheet which measures the potential variability in forecasted results relating to changes in market interest rates over time. We review our interest rate risk position on a quarterly basis at a minimum.

Model Simulation and Sensitivity Analysis

One application of the aforementioned simulation model involves measurement of the impact of market interest rate changes on our economic value of equity (“EVE”). EVE is defined as the market value of assets, less the market value of liabilities, adjusted for any off-balance sheet items. A second application of the simulation model measures the impact of market interest rate changes on our net interest income (“NII”) assuming a static balance sheet as of the period-end reporting date. The market interest rate changes that affect us are principally short-term interest rates and include the following: (1) National Prime and SVB Prime rates; (2) 1-month and 3-month LIBOR; and (3) Fed Funds target rate. Changes in these short-term rates impact interest earned on our variable rate loans, variable rate available-for-sale securities and balances held as cash and cash equivalents. Additionally, deposit pricing generally follows overall changes in short-term interest rates.

The following table presents our EVE and NII sensitivity exposure at December 31, 2013 and December 31, 2012, related to an instantaneous and sustained parallel shift in market interest rates of 100 and 200 basis points.

	Estimated		Estimated Increase In EVE					Estimated		Estimated Increase/ (Decrease) In NII
Change in interest rates (basis points)	EVE		Amount			Percent		NII		Amount			Percent
	(Dollars in thousands)
December 31, 2013:
+200	$	4,656,411	$	477,866		11.4	%	$	990,190	$	161,314		19.5	%
+100	4,382,397		203,852			4.9		899,336		70,460			8.5
—	4,178,545		—			—		828,876		—			—
-100	3,960,086		(218,459		)	(5.2	)	826,222		(2,654		)	(0.3	)
-200	4,041,604		(136,941		)	(3.3	)	822,448		(6,428		)	(0.8	)
December 31, 2012:
+200	$	3,176,231	$	345,925		12.2	%	$	834,208	$	137,021		19.7	%
+100	2,862,361		32,055			1.1		757,662		60,475			8.7
—	2,830,306		—			—		697,187		—			—
-100	2,981,216		150,910			5.3		671,976		(25,211		)	(3.6	)
-200	3,012,121		181,815			6.4		670,445		(26,742		)	(3.8	)

83

Economic Value of Equity

The estimated EVE in the preceding table is based on a combination of valuation methodologies including a discounted cash flow analysis and a multi-path lattice based valuation. Both methodologies use publicly available market interest rates. The model simulations and calculations are highly assumption-dependent and will change regularly as our asset/liability structure changes, as interest rate environments evolve, and as we change our assumptions in response to relevant market or business circumstances. These calculations do not reflect the changes that we anticipate or may make to reduce our EVE exposure in response to a change in market interest rates as a part of our overall interest rate risk management strategy.

As with any method of measuring interest rate risk, certain limitations are inherent in the method of analysis presented in the preceding table. We are exposed to yield curve risk, prepayment risk and basis risk, which cannot be fully modeled and expressed using the above methodology. Accordingly, the results in the preceding table should not be relied upon as a precise indicator of actual results in the event of changing market interest rates. Additionally, the resulting EVE and NII estimates are not intended to represent, and should not be construed to represent the underlying value. In addition, we assume different rates of deposit balance decreases for each interest rate scenario based on a long-term historical deposit study of our clients.

Our base case EVE at December 31, 2013 increased from December 31, 2012 by $1.3 billion primarily due to the change in balance sheet mix and a steeper yield curve due to market condition. The steeper market curve had a $620 million positive impact on the EVE. The change in balance sheet mix was primarily reflective of a $2.0 billion increase in our period-end loan portfolio, a $1.1 billion increase in investment securities and a $530 million increase in cash and cash equivalents. The increases were offset by an increase of $3.3 billion in deposits. EVE sensitivity slightly increased in the simulated upward interest rate movements due to a $2.0 billion increase in noninterest-bearing deposits. In the simulated downward interest rate movements, EVE sensitivity decreased due to steeper and higher market yield curves. The higher yield curve had a bigger reduction impact on noninterest-bearing deposits, which more than offset the asset value increase from the down rate scenarios.

12-Month Net Interest Income Simulation

Our estimated 12-month NII at December 31, 2013 increased from December 31, 2012 by $132 million primarily due to an increase of $2.0 billion in our loan portfolio which is partially offset by an increase of $1.3 billion in interest-bearing deposits. NII sensitivity stays relatively unchanged in the simulated upward interest rate movements while NII sensitivity decreased in the simulated downward interest rate movements. The NII sensitivity decreased in the simulated downward rate movements due to a lower short-end market yield curve, which reduced the negative impact of rate reset from the variable rate assets.

The simulation model used in the above analysis embeds floors in our interest rate scenarios, which prevent model benchmark rates from moving below 0.0%. In addition, we assume different deposit balance decay rates for each interest rate scenario based on a long-term historical deposit study of our clients. These assumptions may change in future periods based on management discretion. Actual changes in our deposit pricing strategies may differ from our current model assumptions and may have an impact on our overall sensitivity.

84

Report of Independent Registered Public Accounting Firm

The Board of Directors and Stockholders

SVB Financial Group:

We have audited SVB Financial Group and subsidiaries’ (the “Company”) internal control over financial reporting as of December 31, 2013, based on criteria established in Internal Control - Integrated Framework (1992) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). The Company’s management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying Management’s Report on Internal Controls over Financial Reporting (Item 9A(b)). Our responsibility is to express an opinion on the Company’s internal control over financial reporting based on our audit.

We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our audit also included performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion.

A company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company’s internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company’s assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 31, 2013, based on criteria established in Internal Control - Integrated Framework (1992) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO).

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the consolidated balance sheets of the Company as of December 31, 2013 and 2012, and the related consolidated statements of income, comprehensive income, stockholders’ equity, and cash flows for each of the years in the three-year period ended December 31, 2013, and our report dated February 27, 2014 expressed an unqualified opinion on those consolidated financial statements.

/s/  KPMG LLP

San Francisco, California

February 27, 2014

85

ITEM 8.        CONSOLIDATED FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

Report of Independent Registered Public Accounting Firm

The Board of Directors and Stockholders

SVB Financial Group:

We have audited the accompanying consolidated balance sheets of SVB Financial Group and subsidiaries (the Company) as of December 31, 2013 and 2012, and the related consolidated statements of income, comprehensive income, stockholders’ equity, and cash flows for each of the years in the three‑year period ended December 31, 2013. These consolidated financial statements are the responsibility of the Company’s management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of the Company as of December 31, 2013 and 2012, and the results of its operations and its cash flows for each of the years in the three‑year period ended December 31, 2013, in conformity with U.S. generally accepted accounting principles.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the Company’s internal control over financial reporting as of December 31, 2013, based on criteria established in Internal Control - Integrated Framework (1992) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO), and our report dated February 27, 2014 expressed an unqualified opinion on the effectiveness of the Company’s internal control over financial reporting.

/s/  KPMG LLP

San Francisco, California

February 27, 2014

86

SVB FINANCIAL GROUP AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

	December 31,
(Dollars in thousands, except par value and share data)	2013			2012
Assets
Cash and cash equivalents	$	1,538,779		$	1,008,983
Available-for-sale securities	11,986,821			11,343,177
Non-marketable and other securities	1,595,494			1,184,265
Investment securities	13,582,315			12,527,442
Loans, net of unearned income	10,906,386			8,946,933
Allowance for loan losses	(142,886		)	(110,651		)
Net loans	10,763,500			8,836,282
Premises and equipment, net of accumulated depreciation and amortization	67,485			66,545
Accrued interest receivable and other assets	465,110			326,871
Total assets	$	26,417,189		$	22,766,123
Liabilities and total equity
Liabilities:
Noninterest-bearing demand deposits	$	15,894,360		$	13,875,275
Interest-bearing deposits	6,578,619			5,301,177
Total deposits	22,472,979			19,176,452
Short-term borrowings	5,080			166,110
Other liabilities	404,586			360,566
Long-term debt	455,216			457,762
Total liabilities	23,337,861			20,160,890
Commitments and contingencies (Note 17 and Note 23)
SVBFG stockholders’ equity:
Preferred stock, $0.001 par value, 20,000,000 shares authorized; no shares issued and outstanding	—			—
Common stock, $0.001 par value, 150,000,000 shares authorized; 45,800,418 shares and 44,627,182 shares outstanding, respectively	46			45
Additional paid-in capital	624,256			547,079
Retained earnings	1,390,732			1,174,878
Accumulated other comprehensive (loss) income	(48,764		)	108,553
Total SVBFG stockholders’ equity	1,966,270			1,830,555
Noncontrolling interests	1,113,058			774,678
Total equity	3,079,328			2,605,233
Total liabilities and total equity	$	26,417,189		$	22,766,123

See accompanying notes to the consolidated financial statements.

87

SVB FINANCIAL GROUP AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

	Year ended December 31,
(Dollars in thousands, except per share amounts)	2013			2012			2011
Interest income:
Loans	$	542,204		$	469,146		$	389,830
Available-for-sale securities:
Taxable	180,162			171,863			165,449
Non-taxable	3,201			3,564			3,623
Federal funds sold, securities purchased under agreements to resell and other short-term investment securities	4,054			4,145			6,486
Total interest income	729,621			648,718			565,388
Interest expense:
Deposits	9,128			6,660			8,862
Borrowings	23,149			24,194			30,249
Total interest expense	32,277			30,854			39,111
Net interest income	697,344			617,864			526,277
Provision for loan losses	63,693			44,330			6,101
Net interest income after provision for loan losses	633,651			573,534			520,176
Noninterest income:
Gains on investment securities, net	419,408			122,114			195,034
Foreign exchange fees	57,411			52,433			45,774
Gains on derivative instruments, net	42,184			18,679			36,798
Deposit service charges	35,948			33,421			31,208
Credit card fees	32,461			24,809			18,741
Lending related fees	20,980			18,038			8,925
Letters of credit and standby letters of credit fees	14,716			15,150			12,201
Client investment fees	13,959			14,539			12,421
Other	36,139			36,363			21,230
Total noninterest income	673,206			335,546			382,332
Noninterest expense:
Compensation and benefits	366,801			326,942			313,043
Professional services	76,178			67,845			60,807
Premises and equipment	45,935			40,689			28,335
Business development and travel	33,334			29,409			24,250
Net occupancy	24,937			22,536			19,624
FDIC assessments	12,784			10,959			10,298
Correspondent bank fees	12,142			11,168			9,052
Provision for unfunded credit commitments	7,642			488			4,397
Other	41,927			35,962			30,822
Total noninterest expense	621,680			545,998			500,628
Income before income tax expense	685,177			363,082			401,880
Income tax expense	139,058			113,269			119,087
Net income before noncontrolling interests	546,119			249,813			282,793
Net income attributable to noncontrolling interests	(330,266		)	(74,710		)	(110,891		)
Net income available to common stockholders	$	215,853		$	175,103		$	171,902
Earnings per common share—basic	$	4.76		$	3.96		$	4.00
Earnings per common share—diluted	4.70			3.91			3.94

See accompanying notes to the consolidated financial statements.

88

SVB FINANCIAL GROUP AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Net income before noncontrolling interests	$	546,119		$	249,813		$	282,793
Other comprehensive (loss) income, net of tax:
Change in cumulative translation losses:
Foreign currency translation losses	(5,483		)	(766		)	(7,500		)
Related tax benefit	2,179			308			3,067
Change in unrealized (losses) gains on available-for-sale securities:
Unrealized holding (losses) gains	(259,193		)	44,113			148,257
Related tax benefit (expense)	105,500			(17,921		)	(60,630		)
Reclassification adjustment for gains included in net income	(538		)	(4,241		)	(37,127		)
Related tax expense	218			1,661			15,189
Other comprehensive (loss) income, net of tax	(157,317		)	23,154			61,256
Comprehensive income	388,802			272,967			344,049
Comprehensive income attributable to noncontrolling interests	(330,266		)	(74,710		)	(110,891		)
Comprehensive income attributable to SVBFG	$	58,536		$	198,257		$	233,158

See accompanying notes to the consolidated financial statements.

89

SVB FINANCIAL GROUP AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY

	Common Stock			Additional Paid-in Capital		Retained Earnings		Accumulated Other Comprehensive Income			Total SVBFG Stockholders’ Equity			Noncontrolling Interests			Total Equity
(Dollars in thousands)	Shares	Amount
Balance at December 31, 2010	42,268,201	$	42	$	422,334	$	827,831	$	24,143		$	1,274,350		$	473,928		$	1,748,278
Common stock issued under employee benefit plans, net of restricted stock cancellations	1,238,707	2		36,871		—		—			36,873			—			36,873
Common stock issued upon settlement of 3.875% Convertible Notes, net of shares received from associated convertible note hedge	1,024	—		—		—		—			—			—			—
Income tax benefit from stock options exercised, vesting of restricted stock and other	—	—		7,140		—		—			7,140			—			7,140
Net income	—	—		—		171,902		—			171,902			110,891			282,793
Capital calls and distributions, net	—	—		—		—		—			—			96,178			96,178
Net change in unrealized gains on available-for-sale securities, net of tax	—	—		—		—		65,689			65,689			—			65,689
Foreign currency translation adjustments, net of tax	—	—		—		—		(4,433		)	(4,433		)	—			(4,433		)
Share-based compensation expense	—	—		17,871		—		—			17,871			—			17,871
Balance at December 31, 2011	43,507,932	$	44	$	484,216	$	999,733	$	85,399		$	1,569,392		$	680,997		$	2,250,389
Common stock issued under employee benefit plans, net of restricted stock cancellations	1,045,690	$	1	$	29,281	$	—	$	—		$	29,282		$	—		$	29,282
Common stock issued upon settlement of 3.875% Convertible Notes, net of shares received from associated convertible note hedge	73,560	—		4,344		—		—			4,344			—			4,344
Income tax benefit from stock options exercised, vesting of restricted stock and other	—	—		7,770		—		—			7,770			—			7,770
Net income	—	—		—		175,103		—			175,103			74,710			249,813
Capital calls and distributions, net	—	—		—		—		—			—			59,057			59,057
Net change in unrealized gains on available-for-sale securities, net of tax	—	—		—		—		23,612			23,612			—			23,612
Foreign currency translation adjustments, net of tax	—	—		—		—		(458		)	(458		)	—			(458		)
Share-based compensation expense	—	—		21,468		—		—			21,468			—			21,468
Deconsolidation of noncontrolling interests	—	—		—		—		—			—			(40,086		)	(40,086		)
Other, net	—	—		—		42		—			42			—			42
Balance at December 31, 2012	44,627,182	$	45	$	547,079	$	1,174,878	$	108,553		$	1,830,555		$	774,678		$	2,605,233
Common stock issued under employee benefit plans, net of restricted stock cancellations	1,098,290	$	1	$	41,403	$	—	$	—		$	41,404		$	—		$	41,404
Common stock issued under ESOP	74,946	—		5,166		—		—			5,166			—			5,166
Income tax benefit from stock options exercised, vesting of restricted stock and other	—	—		5,658		—		—			5,658			—			5,658
Net income	—	—		—		215,853		—			215,853			330,266			546,119
Capital calls and distributions, net	—	—		—		—		—			—			8,114			8,114
Net change in unrealized gains on available-for-sale securities, net of tax	—	—		—		—		(154,013		)	(154,013		)	—			(154,013		)
Foreign currency translation adjustments, net of tax	—	—		—		—		(3,304		)	(3,304		)	—			(3,304		)
Share-based compensation expense	—	—		24,947		—		—			24,947			—			24,947
Other, net	—	—		3		1		—			4			—			4
Balance at December 31, 2013	45,800,418	$	46	$	624,256	$	1,390,732	$	(48,764	)	$	1,966,270		$	1,113,058		$	3,079,328

See accompanying notes to the consolidated financial statements.

90

SVB FINANCIAL GROUP AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Cash flows from operating activities:
Net income before noncontrolling interests	$	546,119		$	249,813		$	282,793
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	63,693			44,330			6,101
Provision for unfunded credit commitments	7,642			488			4,397
Changes in fair values of derivatives, net	(31,508		)	(10,123		)	(26,202		)
Gains on investment securities, net	(419,408		)	(122,114		)	(195,034		)
Depreciation and amortization	35,894			28,122			27,490
Amortization of premiums and discounts on available-for-sale securities, net	29,774			55,580			27,849
Tax (expense) benefit from stock exercises	(1,167		)	2,189			798
Amortization of share-based compensation	25,413			21,861			18,221
Amortization of deferred loan fees	(73,008		)	(58,517		)	(61,158		)
Deferred income tax expense	14,080			1,800			7,362
Gain on the sale of certain assets related to our equity services management business	—			(4,243		)	—
Net gain from note repurchases and termination of corresponding interest rate swaps	—			—			(3,123		)
Losses from the write-off of premises and equipment	1,308			5,972			105
Changes in other assets and liabilities:
Accrued interest receivable and payable, net	(3,241		)	(6,254		)	(12,370		)
Accounts receivable and payable, net	(21		)	35,221			(39,401		)
Income tax payable and receivable, net	(24,811		)	9,631			(809		)
Accrued compensation	22,925			(15,918		)	35,403
Foreign exchange spot contracts, net	2,086			(50,901		)	62,747
Other, net	(22,684		)	15,143			31,223
Net cash provided by operating activities	173,086			202,080			166,392
Cash flows from investing activities:
Purchases of available-for-sale securities	(3,336,476		)	(3,877,852		)	(7,127,525		)
Proceeds from sales of available-for-sale securities	14,753			329,161			1,415,463
Proceeds from maturities and pay downs of available-for-sale securities	2,428,023			2,734,166			3,215,186
Purchases of non-marketable and other securities (cost and equity method accounting)	(24,847		)	(126,318		)	(59,081		)
Proceeds from sales of non-marketable and other securities (cost and equity method accounting)	58,828			51,246			36,589
Purchases of non-marketable and other securities (fair value accounting)	(149,707		)	(135,362		)	(164,910		)
Proceeds from sales and distributions of non-marketable and other securities (fair value accounting)	132,931			124,538			80,757
Net increase in loans	(1,943,650		)	(1,964,250		)	(1,429,702		)
Proceeds from recoveries of charged-off loans	11,161			9,693			25,123
Purchases of premises and equipment	(31,312		)	(40,232		)	(30,856		)
Proceeds from the sale of certain assets related to our equity services management business	—			2,870			—
Net cash used for investing activities	(2,840,296		)	(2,892,340		)	(4,038,956		)
Cash flows from financing activities:
Net increase in deposits	3,296,527			2,466,916			2,372,595
(Decrease) increase in short-term borrowings	(161,030		)	166,110			(37,245		)
Principal payments of other long term debt	—			(1,222		)	(4,179		)
Capital contributions from noncontrolling interests, net of distributions	8,114			59,057			96,178
Tax benefit from stock exercises	6,826			5,581			6,342
Proceeds from issuance of common stock and ESPP	46,569			29,282			36,873
Principal payments of 5.70% Senior Notes	—			(141,429		)	—
Payments for repurchases of portions of 5.70% Senior Notes and 6.05% Subordinated Notes, including repurchase premiums and associated fees	—			—			(346,443		)
Proceeds from termination of portions of interest rate swaps associated with 5.70% Senior Notes and 6.05% Subordinated Notes	—			—			36,959
Payments for settlement of 3.875% Convertible Notes	—			—			(250,000		)
Net cash provided by financing activities	3,197,006			2,584,295			1,911,080
Net increase (decrease) in cash and cash equivalents	529,796			(105,965		)	(1,961,484		)
Cash and cash equivalents at beginning of period	1,008,983			1,114,948			3,076,432
Cash and cash equivalents at end of period	$	1,538,779		$	1,008,983		$	1,114,948
Supplemental disclosures:
Cash paid during the period for:
Interest	$	31,913		$	31,048		$	41,203
Income taxes	142,231			95,678			103,848
Noncash items during the period:
Changes in unrealized gains and losses on available-for-sale securities, net of tax	$	(154,013	)	$	23,612		$	65,689

See accompanying notes to the consolidated financial statements.

91

SVB FINANCIAL GROUP AND SUBSIDIARIES

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

1. Nature of Business

SVB Financial Group is a diversified financial services company, as well as a bank holding company and a financial holding company. SVB Financial was incorporated in the state of Delaware in March 1999. Through our various subsidiaries and divisions, we offer a variety of banking and financial products and services to support our clients of all sizes and stages throughout their life cycles. In these notes to our consolidated financial statements, when we refer to “SVB Financial Group,” “SVBFG”, the “Company,” “we,” “our,” “us” or use similar words, we mean SVB Financial Group and all of its subsidiaries collectively, including Silicon Valley Bank (the “Bank”), unless the context requires otherwise. When we refer to “SVB Financial” or the “Parent” we are referring only to the parent company, SVB Financial Group, unless the context requires otherwise.

We offer commercial banking products and services through our principal subsidiary, the Bank, which is a California-chartered bank founded in 1983 and a member of the Federal Reserve System. Through its subsidiaries, the Bank also offers investment advisory, asset management, private wealth management and brokerage services. We also offer non-banking products and services, such as funds management, venture capital/private equity investment and business valuation services, through our other subsidiaries and divisions. We primarily focus on serving corporate clients in the following niches: technology, life sciences, venture capital/private equity and premium wine. Our corporate clients range widely in terms of size and stage of maturity. Additionally, we focus on cultivating strong relationships with firms within the venture capital and private equity community worldwide, many of which are also our clients and may invest in our corporate clients.

We are headquartered in Santa Clara, California, and operate through 28 offices in the United States, as well as offices internationally in China, Hong Kong, India, Israel and the United Kingdom.

For reporting purposes, SVB Financial Group has three operating segments for which we report financial information in this report: Global Commercial Bank, SVB Private Bank, and SVB Capital. Financial information, results of operations and a description of the services provided by our operating segments are set forth in Note 20-“Segment Reporting” in this report.

2. Summary of Significant Accounting Policies

Use of Estimates and Assumptions

The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Estimates may change as new information is obtained. Significant items that are subject to such estimates include measurements of fair value, the valuation of non-marketable and other securities, the valuation of equity warrant assets, the adequacy of the allowance for loan losses and reserve for unfunded credit commitments and the recognition and measurement of income tax assets and liabilities. The following discussion provides additional background on our significant accounting policies.

Principles of Consolidation and Presentation

Our consolidated financial statements include the accounts of SVB Financial Group and entities in which we have a controlling financial interest. We determine whether we have a controlling financial interest in an entity by evaluating whether the entity is a voting interest entity or a variable interest entity and whether the accounting guidance requires consolidation. All significant intercompany accounts and transactions have been eliminated.

Voting interest entities are entities that have sufficient equity and provide the equity investors voting rights that enable them to make significant decisions relating to the entity’s operations. For these types of entities, the Company’s determination of whether it has a controlling interest is based on ownership of the majority of the entities’ voting equity interest or through control of management of the entities.

VIEs are entities that, by design, either (1) lack sufficient equity to permit the entity to finance its activities without additional subordinated financial support from other parties, or (2) have equity investors that do not have the ability to make significant decisions relating to the entity’s operations through voting rights, or do not have the obligation to absorb the expected losses, or do not have the right to receive the residual returns of the entity. We determine whether we have a controlling financial interest in a VIE by considering whether our involvement with the VIE is significant and whether we are the primary beneficiary based on the following:

1. We have the power to direct the activities of the VIE that most significantly impact the entity’s economic performance;

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2. The aggregate indirect and direct variable interests held by the Company have the obligation to absorb losses or the right to receive benefits from the entity that could be significant to the VIE; and,

3. Qualitative and quantitative factors regarding the nature, size, and form of our involvement with the VIE.

Voting interest entities in which we have a controlling financial interest or VIEs in which we are the primary beneficiary are consolidated into our financial statements.

We have not provided financial or other support during the periods presented to any VIE that we were not previously contractually required to provide. We are variable interest holders in certain partnerships for which we are the primary beneficiary. We perform on-going reassessments on the status of the entities and whether facts or circumstances have changed in relation to previously evaluated voting interest entities and our involvement in VIEs which could cause our consolidation conclusion to change.

Cash and Cash Equivalents

Cash and cash equivalents consist of cash on hand, cash balances due from banks, interest-earning deposits, Federal Reserve deposits, federal funds sold, securities purchased under agreements to resell and other short-term investment securities. For the consolidated statements of cash flows, we consider cash equivalents to be investments that are readily convertible to known amounts of cash, so near to their maturity that they present an insignificant risk of change in fair value due to changes in market interest rates, and purchased in conjunction with our cash management activities.

Investment Securities

Available-for-Sale Securities

Our available-for-sale securities portfolio is a fixed income investment portfolio that is managed to earn an appropriate portfolio yield over the long-term while maintaining sufficient liquidity and credit diversification as well as addressing our asset/liability management objectives. Unrealized gains and losses on available-for-sale securities, net of applicable taxes, are reported in accumulated other comprehensive income, which is a separate component of SVBFG's stockholders' equity, until realized.

We analyze available-for-sale securities for other-than-temporary impairment each quarter. Market valuations represent the cumulative current fair value of a security at a specified point in time and incorporates the risk of timing of interest due and the return of principal over the contractual life of each security. Gains and losses on securities are realized when there is a sale of the security prior to maturity. A credit downgrade represents an increased level of risk of other-than-temporary impairment, and as a part of our consideration of recording an other-than-temporary impairment we will assess the issuer's ability to service the debt and to repay the principal at contractual maturity.

We apply the other-than-temporary impairment standards of ASC 320, Investments-Debt and Equity Securities. For our debt securities, we have the intent and ability to hold these securities until we recover our cost less any credit-related loss. We separate the amount of the other-than-temporary impairment, if any, into the amount that is credit related (credit loss component) and the amount due to all other factors. The credit loss component is recognized in earnings and is the difference between a security's amortized cost basis and the present value of expected future cash flows discounted at the security's effective interest rate. The amount due to all other factors is recognized in other comprehensive income.

We consider numerous factors in determining whether a credit loss exists and the period over which the debt security is expected to recover. The following list is not meant to be all inclusive. All of the following factors are considered:

• The length of time and the extent to which the fair value has been less than the amortized cost basis (severity and duration);

• Adverse conditions specifically related to the security, an industry, or geographic area; for example, changes in the financial condition of the issuer of the security, or in the case of an asset-backed debt security, changes in the financial condition of the underlying loan obligors. Examples of those changes include any of the following:

◦ Changes in technology;

◦ The discontinuance of a segment of the business that may affect the future earnings potential of the issuer or underlying loan obligors of the security; and

◦ Changes in the quality of the credit enhancement.

• The historical and implied volatility of the fair value of the security;

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• The payment structure of the debt security and the likelihood of the issuer being able to make payments that increase in the future;

• Failure of the issuer of the security to make scheduled interest or principal payments;

• Any changes to the rating of the security by a rating agency; and

• Recoveries or additional declines in fair value after the balance sheet date.

In accordance with ASC 310-20, Receivables-Nonrefundable Fees and Other Costs, we use estimates of future principal prepayments, provided by third-party market-data vendors, in addition to actual principal prepayment experience to calculate the constant effective yield necessary to apply the effective interest method in the amortization of purchase discounts or premiums on mortgage-backed securities and fixed rate collateralized mortgage obligations (“CMO”). The discounts or premiums are included in interest income over the contractual terms of the underlying securities replicating the effective interest method.

Non-Marketable and Other Securities

Non-marketable and other securities include investments in venture capital and private equity funds, debt funds, direct equity investments in companies and low income housing tax credit funds. A majority of these investments are managed through our SVB Capital funds business in funds of funds and direct venture funds. Our accounting for investments in non-marketable and other securities depends on several factors, including the level of ownership, power to control and the legal structure of the subsidiary making the investment. As further described below, we base our accounting for such securities on: (i) fair value accounting, (ii) equity method accounting, or (iii) cost method accounting.

Fair Value Accounting

Our managed funds are investment companies under the AICPA Audit and Accounting Guide for Investment Companies and accordingly, these funds report their investments at estimated fair value, with unrealized gains and losses resulting from changes in fair value reflected as investment gains or losses in our consolidated statements of income. Our non-marketable and other securities recorded pursuant to fair value accounting consist of our investments through the following funds:

• Funds of funds; which make investments in venture capital and private equity funds;

• Direct venture funds; which make equity investments in privately held companies.

A summary of our ownership interests in the investments held under fair value accounting as of December 31, 2013 is presented in the following table:

Limited partnership	Company Direct and Indirect Ownership in Limited Partnership
Managed funds of funds
SVB Strategic Investors Fund, LP	12.6	%
SVB Strategic Investors Fund II, LP	8.6
SVB Strategic Investors Fund III, LP	5.9
SVB Strategic Investors Fund IV, LP	5.0
Strategic Investors Fund V Funds	Various
Strategic Investors Fund VI Funds	0.2
SVB Capital Preferred Return Fund, LP	20.0
SVB Capital—NT Growth Partners, LP	33.0
Other private equity fund	58.2
Managed direct venture funds
Silicon Valley BancVentures, LP	10.7
SVB Capital Partners II, LP	5.1
SVB Capital Shanghai Yangpu Venture Capital Fund	6.8

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The general partners of these funds are owned and controlled by SVB Financial. The limited partners of these funds do not have substantive participating or kick-out rights. Therefore, these funds are consolidated and any gains or losses resulting from changes in the estimated fair value of the investments are recorded as investment gains or losses in our consolidated net income.

Under fair value accounting, investments are carried at their estimated fair value based on financial information obtained as the general partner of the fund or obtained from the funds' respective general partner. For direct private company investments, valuations are based upon consideration of a range of factors including, but not limited to, the price at which the investment was acquired, the term and nature of the investment, local market conditions, values for comparable securities, current and projected operating performance, exit strategies, and financing transactions subsequent to the acquisition of the investment. For direct equity investments in public companies, valuations are based on quoted market prices less a discount if the securities are subject to certain sales restrictions. Sales restriction discounts generally range from 10% to 20% depending on the duration of the sale restrictions which typically range from 3 to 6 months. For our fund investments, we utilize the net asset value per share as obtained from the general partners of the fund investments as the funds do not have a readily determinable fair value and the funds prepare their financial statements using guidance consistent with fair value accounting. We account for differences between our measurement date and the date of the fund investment's net asset value by using the most recent available financial information from the investee general partner, for example September 30th, for our December 31st consolidated financial statements, adjusted for any contributions paid, distributions received from the investment, and known significant fund transactions or market events about which we are aware through information provided by the fund managers or from publicly available transaction data during the reporting period.

Gains or losses resulting from changes in the estimated fair value of the investments and from distributions received are recorded as gains on investment securities, net, a component of noninterest income. The portion of any investment gains or losses attributable to the limited partners is reflected as net income attributable to noncontrolling interests and adjusts our net income to reflect its percentage ownership.

Equity Method

Our equity method non-marketable securities consist of investments in venture capital and private equity funds, privately-held companies, debt funds, and low income housing tax credit funds. Our equity method non-marketable securities and related accounting policies are described as follows:

• Equity securities, such as preferred or common stock in privately-held companies in which we hold a voting interest of at least 20 percent but less than 50 percent or in which we have the ability to exercise significant influence over the investees' operating and financial policies, are accounted for under the equity method.

• Investments in limited partnerships in which we hold voting interests of more than 5 percent, but less than 50 percent or in which we have the ability to exercise significant influence over the partnerships' operating and financial policies are accounted for using the equity method.

• Our China joint venture partnership, for which we have 50 percent ownership, is accounted for under the equity method.

We recognize our proportionate share of the results of operations of these equity method investees in our results of operations, based on the most current financial information available from the investee. We review our investments accounted for under the equity method at least quarterly for possible other-than-temporary impairment. Our review typically includes an analysis of facts and circumstances for each investment, the expectations of the investment's future cash flows and capital needs, variability of its business and the company's exit strategy. For our fund investments, we utilize the net asset value per share as provided by the general partners of the fund investments. We account for differences between our measurement date and the date of the fund investment's net asset value by using the most recent available financial information from the investee general partner, for example September 30^th, for our December 31^st consolidated financial statements, adjusted for any contributions paid, distributions received from the investment, and known significant fund transactions or market events about which we are aware through information provided by the fund managers or from publicly available transaction data during the reporting period.

We reduce our investment value when we consider declines in value to be other-than-temporary and recognize the estimated loss as a loss on investment securities, a component of noninterest income.

Cost Method

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Our cost method non-marketable securities and related accounting policies are described as follows:

• Equity securities, such as preferred or common stock in privately-held companies in which we hold an ownership interest of less than 20 percent and in which we do not have the ability to exercise significant influence over the investees' operating and financial policies, are accounted for under the cost method.

• Investments in limited partnerships in which we hold voting interests of less than 5 percent and in which we do not have the ability to exercise significant influence over the partnerships' operating and financial policies, are accounted for under the cost method. These non-marketable securities include investments in venture capital and private equity funds.

We record these investments at cost and recognize distributions or returns received from net accumulated earnings of the investee since the date of acquisition as income. Our share of net accumulated earnings of the investee after the date of investment are recognized in consolidated net income only to the extent distributed by the investee. Distributions or returns received in excess of accumulated earnings are considered a return of investment and are recorded as reductions in the cost basis of the investment.

We review our investments accounted for under the cost method at least quarterly for possible other-than-temporary impairment. Our review typically includes an analysis of facts and circumstances of each investment, the expectations of the investment's future cash flows and capital needs, variability of its business and the company's exit strategy. To help determine impairment, if any, for our fund investments, we utilize the net asset value per share as provided by the general partners of the fund investments. We account for differences between our measurement date and the date of the fund investment's net asset value by using the most recent available financial information from the investee general partner, for example September 30^th, for our December 31^st consolidated financial statements, adjusted for any contributions paid, distributions received from the investment, and known significant fund transactions or market events about which we are aware through information provided by the fund managers or from publicly available transaction data during the reporting period.

We reduce our investment value when we consider declines in value to be other-than-temporary and recognize the estimated loss as a loss on investment securities, a component of noninterest income.

Gains or losses on cost method investment securities that result from a portfolio company being acquired by a publicly traded company are determined using its fair value when the acquisition occurs. The resulting gains or losses are recognized in consolidated net income on that date.

Loans

Loans are reported at the principal amount outstanding, net of unearned loan fees. Unearned loan fees reflect unamortized deferred loan origination and commitment fees net of unamortized deferred loan origination costs. In addition to cash loan fees, we often obtain equity warrant assets that give us an option to purchase a position in a client company's stock in consideration for providing credit facilities. The grant date fair values of these equity warrant assets are deemed to be loan fees and are deferred as unearned income and recognized as an adjustment of loan yield through loan interest income. The net amount of unearned loan fees is amortized into loan interest income over the contractual terms of the underlying loans and commitments using the constant effective yield method, adjusted for actual loan prepayment experience, or the straight-line method, as applicable.

Allowance for Loan Losses

The allowance for loan losses considers credit risk and is established through a provision for loan losses charged to expense. Our allowance for loan losses is established for estimated loan losses that are probable but not yet realized. Our evaluation process is designed to determine that the allowance for loan losses is appropriate at the balance sheet date. The process of estimating loan losses is inherently imprecise.

We maintain a systematic process for the evaluation of individual loans and pools of loans for inherent risk of loan losses. On a quarterly basis, each loan in our portfolio is assigned a Credit Risk Rating and industry niche. Credit Risk Ratings are assigned on a scale of 1 to 10, with 1 representing loans with a low risk of nonpayment, 9 representing loans with the highest risk of nonpayment, and 10 representing loans which have been charged-off. This Credit Risk Rating process includes, but is not limited to, consideration of such factors as payment status, the financial condition and operating performance of the borrower, borrower compliance with loan covenants, underlying collateral values and performance trends, the degree of access to additional capital, the presence of credit enhancements such as third party guarantees (where applicable), the degree to which the borrower is sensitive to external factors, the depth and experience of the borrower's management team, potential loan concentrations, and

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general economic conditions. Our policies require a committee of senior management to review, at least quarterly, credit relationships that exceed specific dollar values. Our review process evaluates the appropriateness of the credit risk rating and allocation of the allowance for loan losses, as well as other account management functions. The allowance for loan losses is based on a formula allocation for similarly risk-rated loans by portfolio segment and individually for impaired loans. The formula allocation provides the average loan loss experience for each portfolio segment, which considers our quarterly historical loss experience since the year 2000, both by risk-rating category and client industry sector. The resulting loan loss factors for each risk-rating category and client industry sector are ultimately applied to the respective period-end client loan balances for each corresponding risk-rating category by client industry sector to provide an estimation of the allowance for loan losses. The probable loan loss experience for any one year period of time is reasonably expected to be greater or less than the average as determined by the loss factors. As such, management applies a qualitative allocation to the results of the aforementioned model to ascertain the total allowance for loan losses. This qualitative allocation is based on management's assessment of the risks that may lead to a future loan loss experience different from our historical loan loss experience. Based on management's prediction or estimate of changing risks in the lending environment, the qualitative allocation may vary significantly from period to period and includes, but is not limited to, consideration of the following factors:

• Changes in lending policies and procedures, including underwriting standards and collections, and charge-off and recovery practices;

• Changes in national and local economic business conditions, including the market and economic condition of our clients' industry sectors;

• Changes in the nature of our loan portfolio;

• Changes in experience, ability, and depth of lending management and staff;

• Changes in the trend of the volume and severity of past due and classified loans;

• Changes in the trend of the volume of nonaccrual loans, troubled debt restructurings, and other loan modifications;

• Reserve floor for portfolio segments that would not draw a minimum reserve based on the lack of historical loan loss experience;

• Reserve for large funded loan exposure; and

• Other factors as determined by management from time to time.

While the evaluation process of our allowance for loan losses uses historical and other objective information, the classification of loans and the establishment of the allowance for loan losses rely, to a great extent, on the judgment and experience of our management.

Uncollectible Loans and Write-offs

Our charge-off policy applies to all loans, regardless of portfolio segment. Loans are considered for full or partial charge-offs in the event that principal or interest is over 180 days past due or the loan lacks sufficient collateral and it is not in the process of collection. We also consider writing off loans in the event of any of the following circumstances: 1) the loan, or a portion of the loan is deemed uncollectible due to: a) the borrower's inability to make recurring payments, b) material changes in the borrower's assets, c) the expected sale of all or a portion of the borrower's business, or d) a combination of the foregoing; 2) the loan has been identified for charge-off by regulatory authorities; or 3) the debt is overdue greater than 90 days.

Troubled Debt Restructurings

A TDR arises from the modification of a loan where we have granted a concession to the borrower related to the borrower's financial difficulties that we would not have otherwise considered for economic or legal reasons. These concessions may include: (1) deferral of payment for more than an insignificant period of time; (2) interest rate reductions; (3) extension of the maturity date with interest rate concessions; (4) principal forgiveness; and or (5) reduction of accrued interest.

We use the factors in ASC 310-40, Receivables, Troubled Debt Restructurings by Creditors, to help determine when a borrower is experiencing financial difficulty, and when we have granted a concession, both of which must be present for a restructuring to meet the criteria of a TDR. If we determine that a TDR exists, we measure impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, except that as a practical expedient, we may

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also measure impairment based on a loan's observable market price, or the fair value of the collateral less selling costs if the loan is a collateral-dependent loan.

Reserve for Unfunded Credit Commitments

We record a liability for probable and estimable losses associated with our unfunded credit commitments being funded and subsequently being charged off. Each quarter, every unfunded client credit commitment is allocated to a credit risk-rating in accordance with each client's credit risk rating. We use the historical loan loss factors described under our allowance for loan losses to calculate the loan loss experience if unfunded credit commitments are funded. Separately, we use historical trends to calculate a probability of an unfunded credit commitment being funded. We apply the loan funding probability factor to risk-factor adjusted unfunded credit commitments by credit risk-rating to derive the reserve for unfunded credit commitments, similar to funded loans. The reserve for unfunded credit commitments also includes certain qualitative allocations as deemed appropriate by our management. We include the reserve for unfunded credit commitments in other liabilities and the related provision in other expenses.

Nonaccrual Loans and Impaired Loans

Loans are placed on nonaccrual status when they become 90 days past due as to principal or interest payments (unless the principal and interest are well secured and in the process of collection); or when we have determined, based upon currently known information, that the timely collection of principal or interest is not probable.

When a loan is placed on nonaccrual status, the accrued interest and fees are reversed against interest income and the loan is accounted for using the cost recovery method thereafter until qualifying for return to accrual status. Historically, loans that have been placed on nonaccrual status have remained as nonaccrual loans until the loan is either charged-off, or the principal balances have been paid off. For a loan to be returned to accrual status, all delinquent principal and interest must become current in accordance with the terms of the loan agreement and future collection of remaining principal and interest must be deemed probable. We apply a cost recovery method in which all cash received is applied to the loan principal until it has been collected. Under this approach, interest income is recognized after total cash flows received exceed the recorded investment at the date of initial impairment.

A loan is considered impaired when, based upon currently known information, it is deemed probable that we will be unable to collect all amounts due according to the terms of the agreement. All of our nonaccrual loans are classified under the impaired category. On a quarterly basis, we review our loan portfolio for impairment. Within each class of loans, we review individual loans for impairment based on credit risk ratings. Loans that have credit risk ratings of 8 or 9 are considered impaired and are reviewed individually.

For each loan identified as impaired, we measure the impairment based upon the present value of expected future cash flows discounted at the loan's effective interest rate. In limited circumstances, we may measure impairment based on the loan's observable market price or the fair value of the collateral less selling costs if the loan is collateral dependent. Impaired collateral dependent loans will have independent appraisals completed and accepted at least annually. The fair value of the collateral will be determined by the most recent appraisal, as adjusted to reflect a reasonable marketing period for the sale of the asset(s) and an estimate of reasonable selling expenses.

If it is determined that the value of an impaired loan is less than the recorded investment in the loan, net of previous charge-offs and payments collected, we recognize impairment through the allowance for loan losses as determined by our analysis.

Standby Letters of Credit

We recognize a liability at the inception of a standby letter of credit equivalent to the premium or the fee received for such guarantee. This fee is recognized in noninterest income over the commitment period using the straight-line method.

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Premises and Equipment

Premises and equipment are reported at cost less accumulated depreciation and amortization. Depreciation and amortization are computed using the straight-line method over the estimated useful lives of the assets or the terms of the related leases, whichever is shorter. The maximum estimated useful lives by asset classification are as follows:

Leasehold improvements	Lesser of lease term or asset life
Furniture and equipment	3 years
Computer software	3-7 years
Computer hardware	3-5 years

We capitalize the costs of computer software developed or obtained for internal use, including costs related to developed software, purchased software licenses and certain implementation costs.

For property and equipment that is retired or otherwise disposed of, the cost and related accumulated depreciation are removed from the accounts and the resulting gain or loss is included in noninterest expense in consolidated net income.

Lease Obligations

We lease all of our properties. At the inception of the lease, each property is evaluated to determine whether the lease will be accounted for as an operating or capital lease. For leases that contain rent escalations or landlord incentives, we record the total rent payable during the lease term, using the straight-line method over the term of the lease and record the difference between the minimum rents paid and the straight-line rent as lease obligations. We had no capitalized lease obligations at December 31, 2013 and 2012.

Fair Value Measurements

Our available-for-sale securities, derivative instruments and certain marketable, non-marketable and other securities are financial instruments recorded at fair value on a recurring basis. We make estimates regarding valuation of assets and liabilities measured at fair value in preparing our consolidated financial statements.

Fair Value Measurement-Definition and Hierarchy

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability (the “exit price”) in an orderly transaction between market participants at the measurement date. There is a three-level hierarchy for disclosure of assets and liabilities recorded at fair value. The classification of assets and liabilities within the hierarchy is based on whether the inputs to the valuation methodology used for measurement are observable or unobservable and the significance of those inputs in the fair value measurement. Observable inputs reflect market-derived or market-based information obtained from independent sources, while unobservable inputs reflect our estimates about market data and views of market participants. The three levels for measuring fair value are based on the reliability of inputs and are as follows:

Level 1

Fair value measurements based on quoted prices in active markets for identical assets or liabilities that we have the ability to access. Since valuations are based on quoted prices that are readily and regularly available in an active market, valuation of these instruments does not entail a significant degree of judgment. Assets utilizing Level 1 inputs include exchange-traded equity securities and certain marketable securities accounted for under fair value accounting.

Level 2

Fair value measurements based on quoted prices in markets that are not active or for which all significant inputs are observable, directly or indirectly. Valuations for the available-for-sale securities are provided by third party external pricing service providers. We review the methodologies used to determine the fair value, including understanding the nature and observability of the inputs used to determine the price. Additional corroboration, such as obtaining a non-binding price from a broker, may be obtained depending on the frequency of trades of the security and the level of liquidity or depth of the market. The valuation methodology that is generally used for the Level 2 assets is the income approach. Below is a summary of the significant inputs used for each class of Level 2 assets and liabilities:

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U.S. treasury securities: U.S. treasury securities are considered by most investors to be the most liquid fixed income investments available. These securities are priced relative to market prices on similar U.S. treasury securities.

U.S. agency debentures: Fair value measurements of U.S. agency debentures are based on the characteristics specific to bonds held, such as issuer name, issuance date, coupon rate, maturity date and any applicable issuer call option features. Valuations are based on market spreads relative to similar term benchmark market interest rates, generally U.S. treasury securities.

Agency-issued mortgage-backed securities: Agency-issued mortgage-backed securities are pools of individual conventional mortgage loans underwritten to U.S. agency standards with similar coupon rates, tenor, and other attributes such as geographic location, loan size and origination vintage. Fair value measurements of these securities are based on observable price adjustments relative to benchmark market interest rates taking into consideration estimated loan prepayment speeds.

Agency-issued collateralized mortgage obligations: Agency-issued collateralized mortgage obligations are structured into classes or tranches with defined cash flow characteristics and are collateralized by U.S. agency-issued mortgage pass-through securities. Fair value measurements of these securities incorporate similar characteristics of mortgage pass-through securities such as coupon rate, tenor, geographic location, loan size and origination vintage, in addition to incorporating the effect of estimated prepayment speeds on the cash flow structure of the class or tranche. These measurements incorporate observable market spreads over an estimated average life after considering the inputs listed above.

Agency-issued commercial mortgage-backed securities: Fair value measurements of these securities are based on spreads to benchmark market interest rates (usually U.S. treasury rates or rates observable in the swaps market), prepayment speeds, loan default rate assumptions and loan loss severity assumptions on underlying loans.

Municipal bonds and notes: Bonds issued by municipal governments generally have stated coupon rates, final maturity dates and are subject to being called ahead of the final maturity date at the option of the issuer. Fair value measurements of these securities are priced based on spreads to other municipal benchmark bonds with similar characteristics; or, relative to market rates on U.S. treasury bonds of similar maturity.

Interest rate swap assets: Fair value measurements of interest rate swaps are priced considering the coupon rate of the fixed leg of the contract and the variable coupon on the floating leg of the contract. Valuation is based on both spot and forward rates on the swap yield curve and the credit worthiness of the contract counterparty.

Foreign exchange forward and option contract assets and liabilities: Fair value measurements of these assets and liabilities are priced based on spot and forward foreign currency rates and option volatility assumptions and the credit worthiness of the contract counterparty.

Equity warrant assets (public portfolio): Fair value measurements of equity warrant assets of publicly-traded portfolio companies are valued based on the Black-Scholes option pricing model. The model uses the price of publicly-traded companies (underlying stock price), stated strike prices, warrant expiration dates, the risk-free interest rate and market-observable option volatility assumptions.

Level 3

The fair value measurement is derived from valuation techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect our own estimates of assumptions we believe market participants would use in pricing the asset. Below is a summary of the valuation techniques used for each class of Level 3 assets:

Venture capital and private equity fund investments: Fair value measurements are based on the net asset value per share as obtained from the investee funds' management as the funds do not have a readily determinable fair value and the funds prepare their financial statements using guidance consistent with fair value accounting. We account for differences between our measurement date and the date of the fund investment’s net asset value by using the most recent available financial information from the investee general partner, adjusted for any contributions paid, distributions received from the investment, and significant fund transactions or market events during the reporting period.

Other venture capital investments: Fair value measurements are based on consideration of a range of factors including, but not limited to, the price at which the investment was acquired, the term and nature of the investment, local market conditions, values for comparable securities, and as it relates to the private company, the current and projected operating performance, exit strategies, and financing transactions subsequent to the acquisition of the investment. The significant unobservable inputs used in the fair value measurement include the information about each portfolio company, including actual and forecasted results, cash position, recent or planned transactions and market comparable companies. Significant

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changes to any one of these inputs in isolation could result in a significant change in the fair value measurement, however, we generally consider all factors available through ongoing communication with the portfolio companies and venture capital fund managers to determine whether there are changes to the portfolio company or the environment that indicate a change in the fair value measurement.

Other securities: Fair value measurements of equity securities of public companies are priced based on quoted market prices less a discount if the securities are subject to certain sales restrictions. Certain sales restriction discounts generally range from 10% to 20% depending on the duration of the sale restrictions which typically range from 3 to 6 months.

Equity warrant assets (public portfolio): Fair value measurements of equity warrant assets of publicly-traded portfolio companies are valued based on the Black-Scholes option pricing model. The model uses the price of publicly-traded companies (underlying stock price), stated strike prices, warrant expiration dates, the risk-free interest rate and market-observable option volatility assumptions. Modeled asset values are further adjusted by applying a discount of up to 20% for certain warrants that have certain sales restrictions or other features that indicate a discount to fair value is warranted. As sale restrictions are lifted, discounts are adjusted downward to 0 percent once all restrictions expire or are removed.

Equity warrant assets (private portfolio): Fair value measurements of equity warrant assets of private portfolio companies are priced based on a modified Black-Scholes option pricing model to estimate the asset value by using stated strike prices, option expiration dates, risk-free interest rates and option volatility assumptions. Option volatility assumptions used in the modified Black-Scholes model are based on public market indices whose members operate in similar industries as companies in our private company portfolio. Option expiration dates are modified to account for estimates to actual life relative to stated expiration. Overall model asset values are further adjusted for a general lack of liquidity due to the private nature of the associated underlying company. There is a direct correlation between changes in the volatility and remaining life assumptions in isolation and the fair value measurement while there is an inverse correlation between changes in the liquidity discount assumption and the fair value measurement.

It is our policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements. When available, we use quoted market prices to measure fair value. If market prices are not available, fair value measurement is based upon valuation techniques that use primarily market-based or independently-sourced market parameters, including interest rate yield curves, prepayment speeds, option volatilities and currency rates. Substantially all of our financial instruments use the foregoing methodologies, and are categorized as a Level 1 or Level 2 measurement in the fair value hierarchy. However, in certain cases, when market observable inputs for our valuation techniques may not be readily available, we are required to make judgments about assumptions we believe market participants would use in estimating the fair value of the financial instrument, and based on the significance of those judgments, the measurement may be determined to be a Level 3 fair value measurement.

The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market parameters. For financial instruments that trade actively and have quoted market prices or observable market parameters, there is minimal subjectivity involved in measuring fair value. When observable market prices and parameters are not fully available, management judgment is necessary to estimate fair value. For inactive markets, there is little information, if any, to evaluate if individual transactions are orderly. Accordingly, we are required to estimate, based upon all available facts and circumstances, the degree to which orderly transactions are occurring and provide more weighting to price quotes that are based upon orderly transactions. In addition, changes in the market conditions may reduce the availability of quoted prices or observable data. For example, reduced liquidity in the capital markets or changes in secondary market activities could result in observable market inputs becoming unavailable. Therefore, when market data is not available, we use valuation techniques requiring more management judgment to estimate the appropriate fair value measurement. Accordingly, the degree of judgment exercised by management in determining fair value is greater for financial assets and liabilities categorized as Level 3.

Fee-based Services Revenue Recognition

Letters of Credit and Standby Letters of Credit Fee Income

Fees generated from letters of credit and standby letters of credit are deferred as a component of other liabilities and recognized in noninterest income over the commitment period using the straight-line method, based on the likelihood that the commitment being drawn down will be remote.

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Client Investment Fees

Client investment fees include fees earned from Rule 12(b)-1 fees, revenue sharing and from customer transactional based fees. Rule 12(b)-1 fees and revenue sharing are recognized as earned based on client funds that are invested in the period. Transactional based fees are earned and recognized on fixed income and equity securities when the transaction is executed on the clients' behalf.

Foreign Exchange Fees

Foreign exchange fees represent the income differential between purchases and sales of foreign currency on behalf of our clients and are recognized as earned.

Lending Related Fees

Unused commitment fees, minimum finance fees and unused line fees are recognized as earned on a monthly and quarterly basis. Fees that qualify for syndication treatment are recognized at the completion of the syndicated loan deal for which the fees were received.

Other Fee Income

Credit card fees and deposit service charge fee income are recognized as earned on a monthly basis.

Other Service Revenue

Other service revenue primarily includes revenue from valuation services. We recognize revenue when (i) persuasive evidence of an arrangement exists, (ii) we have performed the service, provided we have no other remaining obligations to the customer, (iii) the fee is fixed or determinable and, (iv) collectibility is probable.

Fund Management Fees and Carried Interest

Fund management fees are comprised of fees charged directly to our managed funds of funds and direct venture funds. Fund management fees are based upon the contractual terms of the limited partnership agreements and are recognized as earned over the specified contract period, which is generally equal to the life of the individual fund. Fund management fees are recorded as a component of other noninterest income.

Carried interest is comprised of preferential allocations of profits recognizable when the return on assets of our individual managed funds of funds and direct venture funds exceeds certain performance targets. Carried interest is recorded quarterly based on measuring fund performance to date versus the performance target and is recorded as a component of net income attributable to noncontrolling interests.

Income Taxes

Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carryforwards. Our federal, state and foreign income tax provisions are based upon taxes payable for the current year as well as current year changes in deferred taxes related to temporary differences between the tax basis and financial statement balances of assets and liabilities. Deferred tax assets and liabilities are included in the consolidated financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. We file a consolidated federal income tax return, and consolidated, combined, or separate state income tax returns as appropriate. Our foreign incorporated subsidiaries file tax returns in the applicable foreign jurisdictions. We record interest and penalties related to unrecognized tax benefits in other noninterest expense, a component of consolidated net income.

Share-Based Compensation

For all stock-based awards granted, stock-based compensation expense is amortized on a straight-line basis over the requisite service period, including consideration of vesting conditions and anticipated forfeitures. The fair value of stock options are measured using the Black-Scholes option-pricing model and the fair value for restricted stock awards and restricted stock units are based on the quoted price of our common stock on the date of grant.

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Earnings Per Share

Basic earnings per common share is computed using the weighted average number of common stock shares outstanding during the period. Diluted earnings per common share is computed using the weighted average number of common stock shares and potential common shares outstanding during the period. Potential common shares consist of stock options, ESPP shares and restricted stock units. Common stock equivalent shares are excluded from the computation if the effect is antidilutive.

Derivative Financial Instruments

All derivative instruments are recorded on the balance sheet at fair value. The accounting for changes in fair value of a derivative financial instrument depends on whether the derivative financial instrument is designated and qualifies as part of a hedging relationship and, if so, the nature of the hedging activity. Changes in fair value are recognized through earnings for derivatives that do not qualify for hedge accounting treatment, or that have not been designated in a hedging relationship.

Fair Value Hedges

For derivative instruments that are designated and qualify as a fair value hedge, the gain or loss on the hedging instrument is recorded in the statement of income in the same line item as the hedged item and is intended to offset the loss or gain on the hedged item attributable to the hedged risk. Any difference that does arise would be the result of hedge ineffectiveness, and impacts earnings.

Equity Warrant Assets

In connection with negotiated credit facilities and certain other services, we may obtain equity warrant assets giving us the right to acquire stock in primarily private, venture-backed companies in the technology and life science industries. We hold these assets for prospective investment gains. We do not use them to hedge any economic risks nor do we use other derivative instruments to hedge economic risks stemming from equity warrant assets.

We account for equity warrant assets in certain private and public client companies as derivatives when they contain net settlement terms and other qualifying criteria under ASC 815, Derivatives and Hedging. In general, equity warrant assets entitle us to buy a specific number of shares of stock at a specific price within a specific time period. Certain equity warrant assets contain contingent provisions, which adjust the underlying number of shares or purchase price upon the occurrence of certain future events. Our warrant agreements typically contain net share settlement provisions, which permit us to receive at exercise a share count equal to the intrinsic value of the warrant divided by the share price (otherwise known as a “cashless” exercise). These equity warrant assets are recorded at fair value and are classified as derivative assets, a component of other assets, on our consolidated balance sheet at the time they are obtained.

The grant date fair values of equity warrant assets received in connection with the issuance of a credit facility are deemed to be loan fees and recognized as an adjustment of loan yield through loan interest income. Similar to other loan fees, the yield adjustment related to grant date fair value of warrants is recognized over the life of that credit facility.

Any changes in fair value from the grant date fair value of equity warrant assets will be recognized as increases or decreases to other assets on our balance sheet and as net gains or losses on derivative investments, in noninterest income, a component of consolidated net income. When a portfolio company completes an IPO on a publicly reported market or is acquired, we may exercise these equity warrant assets for shares or cash.

In the event of an exercise for shares, the basis or value in the securities is reclassified from other assets to investment securities on the balance sheet on the latter of the exercise date or corporate action date. The shares in public companies are classified as available-for-sale securities (provided they do not have a significant restriction from sale). Changes in fair value of securities designated as available-for-sale, after applicable taxes, are reported in accumulated other comprehensive income, which is a separate component of SVBFG stockholders' equity. The shares in private companies are classified as non-marketable securities. We, typically, account for these securities at cost and only record adjustments to the value at the time of exit or liquidation though gains (losses) on investments securities, net, which is a component of noninterest income.

The fair value of the equity warrant assets portfolio is reviewed quarterly. We value our equity warrant assets using a modified Black-Scholes option pricing model, which incorporates the following significant inputs:

• An underlying asset value, which is estimated based on current information available, including any information regarding subsequent rounds of funding.

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• Stated strike price, which can be adjusted for certain warrants upon the occurrence of subsequent funding rounds or other future events.

• Price volatility or the amount of uncertainty or risk about the magnitude of the changes in the warrant price. The volatility assumption is based on historical price volatility of publicly traded companies within indices similar in nature to the underlying client companies issuing the warrant. The actual volatility input is based on the median volatility for an individual public company within an index for the past 16 quarters, from which an average volatility was derived.

• Actual data on cancellations and exercises of our warrants are utilized as the basis for determining the expected remaining life of the warrants in each financial reporting period. Warrants may be exercised in the event of acquisitions, mergers or IPOs, and cancelled due to events such as bankruptcies, restructuring activities or additional financings. These events cause the expected remaining life assumption to be shorter than the contractual term of the warrants.

• The risk-free interest rate is derived from the Treasury yield curve and is calculated based on a weighted average of the risk-free interest rates that correspond closest to the expected remaining life of the warrant.

• Other adjustments, including a marketability discount, are estimated based on management's judgment about the general industry environment.

Loan Conversion Options

In connection with negotiating certain credit facilities, we occasionally extend loan facilities, which have convertible option features. The convertible loans may be converted into a certain number of shares determined by dividing the principal amount of the loan by the applicable conversion price. Because our loan conversion options have underlying and notional values, had no initial net investment and met other qualifying criteria under ASC 815, these assets qualify as derivative instruments. We value our loan conversion options using a modified Black-Scholes option pricing model, which incorporates assumptions about the underlying asset value, volatility, and the risk-free rate. Loan conversion options are recorded at fair value in other assets, while changes in their fair value are recorded through gains on derivative instruments, net, in noninterest income, a component of consolidated net income.

Foreign Exchange Forwards and Foreign Currency Option Contracts

We enter into foreign exchange forward contracts and foreign currency option contracts with clients involved in international activities, either as the purchaser or seller, depending upon the clients' need. We typically also enter into an opposite-way forward or option contract with a correspondent bank to economically hedge client contracts to mitigate the fair value risk to us from fluctuations in currency rates. Settlement, credit, and operational risks remain. We also enter into forward contracts with correspondent banks to economically hedge currency exposure risk related to certain foreign currency denominated loans. These contracts are not designated as hedging instruments and are recorded at fair value in our consolidated balance sheets. Changes in the fair value of these contracts are recognized in consolidated net income under gains (losses) on derivative instruments, net, a component of noninterest income. Period-end gross positive fair values are recorded in other assets and gross negative fair values are recorded in other liabilities.

Impact of Adopting ASU No. 2011-05, Presentation of Comprehensive Income

In June 2011, the FASB issued a new accounting standard, which requires presentation of the components of total comprehensive income in either a single continuous statement of comprehensive income or in two separate but consecutive statements. Regardless of which option is chosen, reclassification adjustments for items that are reclassified from other comprehensive income to net income are required to be shown on the face of the financial statements. In December 2011, the FASB approved a proposed update, which indefinitely defers the requirements of ASU No. 2011-05 to present components of reclassifications of other comprehensive income on the face of the income statement. This new guidance did not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified to net income. The guidance was effective on a retrospective basis for the interim and annual reporting periods beginning after December 15, 2011, and was therefore adopted effective January 1, 2012. This standard only clarified the presentation of comprehensive income and did not affect our financial position, results of operations or stockholders’ equity.

Impact of Adopting ASU No. 2011-11, Disclosures about Offsetting Assets and Liabilities

In December 2011, the FASB issued a new accounting standard, which requires new disclosures surrounding derivative instruments and certain financial instruments that are offset on the statement of financial position, or are eligible for offset

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subject to a master netting arrangement. This standard was issued concurrent with the IASB’s issuance of a similar standard with the objective of converged disclosure guidance. The guidance is effective on a retrospective basis for the interim and annual reporting periods beginning on or after January 1, 2013, and was therefore adopted in the first quarter of 2013. The standard increased the disclosure requirements for derivative instruments and certain financial instruments that are subject to master netting arrangements, and did not have any impact on our financial position, results of operations or stockholders' equity. See Note 12 - “Derivative Financial Instruments” for further details.

Impact of Adopting ASU No. 2013-02, Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income

In February 2013, the FASB issued a new accounting standard, which requires new disclosures surrounding the effect of reclassifications out of accumulated other comprehensive income. This standard requires entities to provide information about the amounts reclassified out of accumulated other comprehensive income by component and by the respective line items of net income. The guidance was effective on a prospective basis for the interim and annual reporting periods beginning after January 1, 2013, and was therefore adopted in the first quarter of 2013. This standard increased the disclosure requirements for reclassifications out of accumulated other comprehensive income, and did not have any impact on our financial position, results of operations or stockholders’ equity. See our "Interim Consolidated Statements of Income" for more details.

Recent Accounting Pronouncements

In June 2013, the FASB issued Accounting Standards Update (ASU 2013-08, Financial Services - Investment Companies (ASC Topic 946): Amendments to the Scope, Measurement and Disclosure Requirement). This ASU modifies the guidance in ASC 946 for determining whether an entity is an investment company, as well as the measurement and disclosure requirements for investment companies. The ASU does not change current accounting where a noninvestment company parent retains the specialized accounting applied by an investment company subsidiary in consolidation. ASU 2013-08 will be applied prospectively for all periods beginning after December 15, 2013. We do not expect this ASU to have a material effect on our results of operations or financial position.

In January 2014, the FASB issued a new accounting standard (ASU 2014-01, Investments - Equity Method and Joint Ventures (topic 323), Accounting for Investments in Qualified Affordable Housing Projects), which permits entities that invest in qualified affordable housing projects through limited liability entities that are flow-through entities for tax purposes to make an accounting policy election to use proportional amortization method or apply an equity or cost method. If the proportional amortization method is elected, retrospective presentation is required for prior periods. The guidance is effective on a retrospective basis for the interim and annual reporting periods beginning after December 15, 2014, with early adoption available. We are currently assessing the impact of this guidance, however, we do not expect it to have a material impact on our financial position, results of operations or stockholders' equity.

Reclassifications

Certain prior period amounts have been reclassified to conform to the current period presentations.

3. Stockholders’ Equity and EPS

Stockholders' Rights Plan

Our Board of Directors (the “Board”) had previously adopted a stockholders' rights plan (the "Rights Plan") to, among other things, protect our stockholders from coercive takeover tactics. The Rights Plan expired on January 31, 2014. It was not renewed or extended by our Board of Directors.

EPS

Basic EPS is the amount of earnings available to each share of common stock outstanding during the reporting period. Diluted EPS is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares issued for stock options and restricted stock units outstanding under our equity incentive plans and our ESPP. Potentially dilutive common shares are excluded from the computation of dilutive EPS in periods in which the effect would be antidilutive. The following is a reconciliation of basic EPS to diluted EPS for 2013, 2012 and 2011:

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	Year ended December 31,
(Dollars and shares in thousands, except per share amounts)	2013		2012		2011
Numerator:
Net income available to common stockholders	$	215,853	$	175,103	$	171,902
Denominator:
Weighted average common shares outstanding-basic	45,309		44,242		43,004
Weighted average effect of dilutive securities:
Stock options and ESPP	431		370		517
Restricted stock units	204		152		116
Denominator for diluted calculation	45,944		44,764		43,637
Earnings per common share:
Basic	$	4.76	$	3.96	$	4.00
Diluted	$	4.70	$	3.91	$	3.94

The following table summarizes the weighted-average common shares excluded from the diluted EPS calculation as they were deemed to be antidilutive for 2013, 2012 and 2011:

	Year ended December 31,
(Shares in thousands)	2013	2012	2011
Stock options	261	695	944
Restricted stock units	105	—	149
Total	366	695	1,093

Concurrent with the issuance of our 3.875% convertible senior notes ("3.875% Convertible Notes"), we entered into a convertible note hedge and warrant agreement. The warrants expired ratably over 60 business days beginning on July 15, 2011. The common shares under these warrants were excluded from the diluted EPS calculation for all periods presented as they were deemed to be anti-dilutive based on the conversion price of $64.43 per common share.

Our $250 million 3.875% Convertible Notes matured on April 15, 2011. All of the notes were converted prior to maturity and we made an aggregate $260 million conversion settlement payment. We paid $250 million in cash (representing total principal) and $10 million through the issuance of 187,760 shares of our common stock (representing total conversion premium value). In addition, in connection with the conversion settlement, we received 186,736 shares of our common stock, valued at $10 million, from the associated convertible note hedge. Accordingly, there was not a significant impact on our total stockholders' equity with respect to settling the conversion premium value.

Accumulated Other Comprehensive Income

The following table summarizes the items reclassified out of accumulated other comprehensive (loss) income into the Consolidated Statements of Income for 2013, 2012, and 2011:

		Year ended December 31,
(Dollars in thousands)	Income Statement Location	2013			2012			2011
Reclassification adjustment for gains included in net income	Gains on investment securities, net	$	(538	)	$	(4,241	)	$	(37,127	)
Related tax expense	Income tax expense	218			1,661			15,189
Total reclassification adjustment for gains included in net income, net of tax		(320		)	(2,580		)	(21,938		)

4. Share-Based Compensation

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 Share-based compensation expense was recorded net of estimated forfeitures for 2013, 2012 and 2011, such that expense was recorded only for those share-based awards that are expected to vest. In 2013, 2012 and 2011, we recorded share-based compensation and related benefits as follows:

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Share-based compensation expense	$	25,413		$	21,861		$	18,221
Income tax benefit related to share-based compensation expense	(7,989		)	(6,011		)	(4,833		)
Capitalized compensation costs	2,809			2,647			1,466

Equity Incentive Plans

On May 11, 2006, our stockholders approved the 2006 Equity Incentive Plan (the “2006 Incentive Plan”). Our previous 1997 Equity Incentive Plan expired in December 2006. The 2006 Incentive Plan provides for the grant of various types of incentive awards, of which the following have been granted: (i) stock options; (ii) restricted stock awards; (iii) restricted stock units; and (iv) other cash or stock settled equity awards.

Subject to the provisions of Section 16 of the 2006 Incentive Plan, the maximum aggregate number of shares that may be awarded and sold thereunder is 7,543,321, which includes 2,000,000 shares that are subject to stockholder approval at the upcoming 2014 Annual Meeting of Stockholders.

Restricted stock awards and restricted stock units will be counted against the numerical limits of the 2006 Incentive Plan as two shares for every one share awarded. Further, if shares acquired under any such award are forfeited or repurchased by us and would otherwise return to the 2006 Incentive Plan, two times the number of such forfeited or repurchased shares will return to the 2006 Incentive Plan and will again become available for issuance.

Eligible participants in the 2006 Incentive Plan include directors, employees, and consultants. Options granted under the 2006 Incentive Plan generally expire seven years after the grant date. Options generally become exercisable over various periods, typically four years, from the grant date based on continued employment, and typically vest annually. Restricted stock awards and units generally vest over the passage of time and require continued employment or other service through the vesting period. Performance-based restricted stock units generally vest upon meeting certain performance-based objectives and, typically the passage of time and require continued employment or other service through the vesting period. The vesting period for restricted stock units cannot be less than three years unless they are subject to certain performance-based objectives, in which case the vesting period can be 12 months or longer.

Employee Stock Purchase Plan

We maintain the 1999 ESPP under which participating employees may annually contribute up to 10 percent of their gross compensation (not to exceed $25,000) to purchase shares of our common stock at 85 percent of its fair market value at either the beginning or end of each six-month offering period, whichever price is less. To be eligible to participate in the ESPP, an employee must, among other requirements, be employed by the Company on both the date of offering and date of purchase, and be employed customarily for at least 20 hours per week and at least five months per calendar year. We issued 176,416 shares and received $9.8 million in cash under the ESPP in 2013. At December 31, 2013, a total of 696,309 shares of our common stock were still available for future issuance under the ESPP.

Unrecognized Compensation Expense

As of December 31, 2013, unrecognized share-based compensation expense was as follows:

(Dollars in thousands)	Unrecognized   Expense		Average Expected Recognition   Period - in Years
Stock options	$	14,978	2.51
Restricted stock units	30,374		2.54
Total unrecognized share-based compensation expense	$	45,352

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Valuation Assumptions

The fair values of share-based awards for employee stock options and employee stock purchases made under our ESPP were estimated using the Black-Scholes option pricing model. The fair values of restricted stock units were based on our closing stock price on the date of grant. The following weighted average assumptions and fair values were used for our employee stock options and restricted stock units:

Equity incentive plan awards	2013			2012			2011
Weighted average expected term of options in years	4.7			4.6			4.6
Weighted average expected volatility of the Company's underlying common stock	44.6		%	50.4		%	48.7		%
Risk-free interest rate	0.70			0.83			2.00
Expected dividend yield	—			—			—
Weighted average grant date fair value-stock options	$	27.28		$	27.00		$	25.12
Weighted average grant date fair value-restricted stock units	71.57			63.07			59.69

The following weighted average assumptions and fair values were used for our ESPP:

ESPP	2013			2012			2011
Expected term in years	0.5			0.5			0.5
Weighted average expected volatility of the Company's underlying common stock	22.3		%	43.5		%	27.3		%
Risk-free interest rate	0.11			0.11			0.15
Expected dividend yield	—			—			—
Weighted average fair value	$	15.35		$	14.43		$	13.02

The expected term is based on the implied term of the stock options using factors based on historical exercise behavior. The expected volatilities are based on a blended rate consisting of our historic volatility and our expected volatility over a five-year term which is an indicator of expected volatility and future stock price trends. For 2013, 2012 and 2011, expected volatilities for the ESPP were equal to the historical volatility for the previous six-month periods. The expected risk-free interest rates were based on the yields of Treasury Securities, as reported by the Federal Reserve Bank of New York, with maturities equal to the expected terms of the employee stock options.

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Share-Based Payment Award Activity

The table below provides stock option information related to the 1997 Equity Incentive Plan and the 2006 Equity Incentive Plan for the year ended December 31, 2013:

	Options		Weighted Average  Exercise Price		Weighted Average Remaining Contractual   Life in Years	Aggregate   Intrinsic Value   of In-The- Money Options
Outstanding at December 31, 2012	2,060,413		$	49.15
Granted	313,472		71.68
Exercised	(796,101	)	45.74
Forfeited	(62,672	)	57.18
Expired	(953	)	51.86
Outstanding at December 31, 2013	1,514,159		55.27		4.27	$	75,092,637
Vested and expected to vest at December 31, 2013	1,468,430		54.91		4.23	73,347,808
Exercisable at December 31, 2013	680,684		44.50		3.01	41,087,846

The aggregate intrinsic value of outstanding options shown in the table above represents the pretax intrinsic value based on our closing stock price of $104.86 as of December 31, 2013. The following table summarizes information regarding stock options outstanding as of December 31, 2013:

	Outstanding Options				Exercisable Options
Range of Exercise Prices	Shares	Weighted Average  Remaining Contractual Life in Years	Weighted Average Exercise  Price		Shares	Weighted Average Exercise  Price
$19.48-31.13	172,546	2.33	$	21.14	172,546	$	21.14
31.14-48.46	155,853	2.98	44.87		116,455	45.08
48.47-49.01	106,426	1.36	48.76		105,713	48.76
49.02-54.19	179,865	3.34	49.47		113,889	49.44
54.20-60.51	274,356	4.40	59.94		108,683	60.08
60.52-63.62	10,044	5.26	62.63		2,484	62.66
63.63-64.40	298,493	5.33	64.37		60,120	64.37
64.41-73.76	305,279	6.32	71.03		794	64.43
$73.77-95.64	11,297	6.60	86.90		—	—
	1,514,159	4.27	55.27		680,684	44.50

We expect to satisfy the exercise of stock options by issuing shares registered under the 2006 Incentive Plan. All future awards of stock options and restricted stock units will be issued from the 2006 Incentive Plan. At December 31, 2013, 1,749,744 shares were available for future issuance. No awards were outstanding under the 1997 Equity Incentive Plan as of December 31, 2013.

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The table below provides information for restricted stock units under the 2006 Equity Incentive Plan for the year ended December 31, 2013:

	Shares		Weighted Average     Grant Date Fair     Value
Nonvested at December 31, 2012	585,543		$	59.42
Granted	328,905		71.57
Vested	(190,438	)	57.44
Forfeited	(41,663	)	62.34
Nonvested at December 31, 2013	682,347		65.93

The following table summarizes information regarding stock option and restricted stock activity during 2013, 2012 and 2011:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Total intrinsic value of stock options exercised	$	25,520	$	17,419	$	20,772
Total grant date fair value of stock options vested	18,168		17,169		14,771
Total intrinsic value of restricted stock vested	14,176		12,747		9,142
Total grant date fair value of restricted stock vested	10,940		10,176		7,240

5. Reserves on Deposit with the Federal Reserve Bank and Federal Bank Stock

The Bank is required to maintain reserves against customer deposits by keeping balances with the Federal Reserve. The cash balances at the Federal Reserve are classified as cash and cash equivalents. Additionally, as a member of the FHLB and FRB, we are required to hold shares of FHLB and FRB stock under the Bank's borrowing agreement. FHLB and FRB stock are recorded at cost as a component of other assets, and any cash dividends received are recorded as a component of other noninterest income.

The tables below provide information on the required reserve balances at the Federal Reserve, as well as shares held at the FHLB and FRB for the years ended and as of December 31, 2013 and 2012:

	Year ended December 31,
(Dollars in thousands)	2013		2012
Average required reserve balances at FRB San Francisco	$	131,374	$	112,173

	December 31,
(Dollars in thousands)	2013		2012
FHLB stock holdings	$	25,000	$	25,000
FRB stock holdings	15,632		14,806

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6. Cash and Cash Equivalents

The following table details our cash and cash equivalents at December 31, 2013 and December 31, 2012:

(Dollars in thousands)	December 31, 2013		December 31, 2012
Cash and due from banks (1)	$	1,349,688	$	752,056
Securities purchased under agreements to resell (2)	172,989		133,357
Other short-term investment securities	16,102		123,570
Total cash and cash equivalents	$	1,538,779	$	1,008,983

(1) At December 31, 2013 and 2012, $715 million and $72 million, respectively, of our cash and due from banks was deposited at the FRB and was earning interest at the Federal Funds target rate, and interest-earning deposits in other financial institutions were $300 million and $283 million, respectively.

(2) At December 31, 2013 and 2012, securities purchased under agreements to resell were collateralized by U.S. Treasury securities and U.S. agency securities with aggregate fair values of $176 million and $136 million, respectively. None of these securities received as collateral were sold or repledged as of December 31, 2013 and 2012.

Additional information regarding our securities purchased under agreements to resell for 2013 and 2012 is as follows:

	Year Ended December 31,
(Dollars in thousands)	2013		2012
Average securities purchased under agreements to resell	$	96,309	$	131,287
Maximum amount outstanding at any month-end during the year	338,687		266,534

7. Investment Securities

Our investment securities portfolio consists of both an available-for-sale securities portfolio, which represents interest-earning investment securities, and a non-marketable and other securities portfolio, which primarily represents investments managed as part of our funds management business.

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The major components of our investment securities portfolio at December 31, 2013 and December 31, 2012 are as follows:

	December 31, 2013									December 31, 2012
(Dollars in thousands)	Amortized Cost		Unrealized Gains		Unrealized Losses			Carrying Value		Amortized Cost		Unrealized Gains		Unrealized Losses			Carrying Value
Available-for-sale securities, at fair value:
U.S. treasury securities	$	—	$	—	$	—		$	—	$	25,057	$	190	$	—		$	25,247
U.S. agency debentures	4,344,652		41,365		(40,785		)	4,345,232		3,370,455		77,173		—			3,447,628
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	2,472,528		17,189		(16,141		)	2,473,576		1,428,682		44,858		(107		)	1,473,433
Agency-issued collateralized mortgage obligations—fixed rate	3,386,670		24,510		(85,422		)	3,325,758		4,063,020		41,949		(995		)	4,103,974
Agency-issued collateralized mortgage obligations—variable rate	1,183,333		3,363		(123		)	1,186,573		1,760,551		12,201		(4		)	1,772,748
Agency-issued commercial mortgage-backed securities	581,475		552		(17,423		)	564,604		416,487		6,100		(489		)	422,098
Municipal bonds and notes	82,024		4,024		(21		)	86,027		85,790		7,750		(11		)	93,529
Equity securities	4,842		692		(483		)	5,051		2,108		2,739		(327		)	4,520
Total available-for-sale securities	$	12,055,524	$	91,695	$	(160,398	)	$	11,986,821	$	11,152,150	$	192,960	$	(1,933	)	$	11,343,177
Non-marketable and other securities:
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments (1)								862,972									665,921
Other venture capital investments (2)								32,839									127,091
Other Securities (fair value accounting) (3)								321,374									—
Non-marketable securities (equity method accounting):
Other investments (4)								142,883									139,330
Low income housing tax credit funds								72,241									70,318
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments (5)								148,994									161,884
Other investments								14,191									19,721
Total non-marketable and other securities								1,595,494									1,184,265
Total investment securities								$	13,582,315								$	12,527,442

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(1) The following table shows the amounts of venture capital and private equity fund investments held by the following consolidated funds and our ownership percentage of each fund at December 31, 2013 and December 31, 2012 (fair value accounting):

	December 31, 2013				December 31, 2012
(Dollars in thousands)	Amount		Ownership %		Amount		Ownership %
SVB Strategic Investors Fund, LP	$	29,104	12.6	%	$	32,850	12.6	%
SVB Strategic Investors Fund II, LP	96,185		8.6		91,294		8.6
SVB Strategic Investors Fund III, LP	260,272		5.9		209,696		5.9
SVB Strategic Investors Fund IV, LP	226,729		5.0		169,931		5.0
Strategic Investors Fund V Funds	118,181		Various		40,622		Various
Strategic Investors Fund VI Funds	7,944		0.2		—		—
SVB Capital Preferred Return Fund, LP	59,028		20.0		53,643		20.0
SVB Capital—NT Growth Partners, LP	61,126		33.0		60,120		33.0
SVB Capital Partners II, LP (i)	708		5.1		1,303		5.1
Other private equity fund (ii)	3,695		58.2		6,462		58.2
Total venture capital and private equity fund investments	$	862,972			$	665,921

(i) At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership interest of SVB Strategic Investors Fund II, LP.

(ii) At December 31, 2013, we had a direct ownership interest of 41.5 percent and indirect ownership interests of 12.6 percent and 4.1 percent in the fund through our ownership interest of SVB Capital—NT Growth Partners, LP and SVB Capital Preferred Return Fund, LP, respectively.

(2) The following table shows the amounts of other venture capital investments held by the following consolidated funds and our ownership percentage of each fund at December 31, 2013 and December 31, 2012 (fair value accounting):

	December 31, 2013				December 31, 2012
(Dollars in thousands)	Amount		Ownership %		Amount		Ownership %
Silicon Valley BancVentures, LP	$	6,564	10.7	%	$	43,493	10.7	%
SVB Capital Partners II, LP (i)	22,684		5.1		79,761		5.1
SVB Capital Shanghai Yangpu Venture Capital Fund	3,591		6.8		3,837		6.8
Total other venture capital investments	$	32,839			$	127,091

(i) At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership of SVB Strategic Investors Fund II, LP.

(3) Investments classified as other securities (fair value accounting) represent direct equity investments in public companies held by our consolidated funds. This amount primarily includes total unrealized gains of $294 million in two of our public portfolio companies, FireEye and Twitter, both of which are currently subject to lock-up agreements. The extent to which any unrealized gains will become realized is subject to a variety of factors, including, among other things, the expiration of certain sales restrictions to which these securities are subject, the actual sales of securities and the timing of such actual sales.

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(4) The following table shows the carrying value and our ownership percentage of each investment at December 31, 2013 and December 31, 2012 (equity method accounting):

	December 31, 2013				December 31, 2012
(Dollars in thousands)	Amount		Ownership %		Amount		Ownership %
Gold Hill Venture Lending 03, LP (i)	$	7,900	9.3	%	$	9,413	9.3	%
Gold Hill Capital 2008, LP (ii)	21,867		15.5		20,893		15.5
China Joint Venture investment	79,940		50.0		78,545		50.0
Other investments	33,176		Various		30,479		Various
Total other investments (equity method accounting)	$	142,883			$	139,330

(i) At December 31, 2013, we had a direct ownership interest of 4.8 percent in the fund and an indirect interest in the fund through our investment in Gold Hill Venture Lending Partners 03, LLC (“GHLLC”) of 4.5 percent.

(ii) At December 31, 2013, we had a direct ownership interest of 11.5 percent in the fund and an indirect interest in the fund through our investment in Gold Hill Capital 2008, LLC of 4.0 percent.

(5) Represents investments in 288 and 324 funds (primarily venture capital funds) at December 31, 2013 and December 31, 2012, respectively, where our ownership interest is less than 5% of the voting interests of each such fund and in which we do not have the ability to exercise significant influence over the partnerships operating activities and financial policies. The carrying value, and estimated fair value, of these venture capital and private equity fund investments (cost method accounting) was $149 million, and $215 million, respectively, as of December 31, 2013. The carrying value, and estimated fair value, of the venture capital and private equity fund investments (cost method accounting) was 162 million, and $193 million, respectively, as of December 31, 2012.

The following table summarizes our unrealized losses on our available-for-sale securities portfolio into categories of less than 12 months, or 12 months or longer as of December 31, 2013:

	December 31, 2013
	Less than 12 months					12 months or longer					Total
(Dollars in thousands)	Fair Value of Investments		Unrealized Losses			Fair Value of Investments		Unrealized Losses			Fair Value of Investments		Unrealized Losses
U.S. agency debentures	$	1,821,045	$	(40,785	)	$	—	$	—		$	1,821,045	$	(40,785	)
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	1,480,870		(14,029		)	19,830		(2,112		)	1,500,700		(16,141		)
Agency-issued collateralized mortgage obligations—fixed rate	2,098,137		(79,519		)	134,420		(5,903		)	2,232,557		(85,422		)
Agency-issued collateralized mortgage obligations—variable rate	109,699		(123		)	—		—			109,699		(123		)
Agency-issued commercial mortgage-backed securities	464,171		(17,423		)	—		—			464,171		(17,423		)
Municipal bonds and notes	3,404		(21		)	—		—			3,404		(21		)
Equity securities	909,510		(483		)	—		—			909,510		(483		)
Total temporarily impaired securities (1)	$	6,886,836	$	(152,383	)	$	154,250	$	(8,015	)	$	7,041,086	$	(160,398	)

(1) As of December 31, 2013, we identified a total of 220 investments that were in unrealized loss positions, of which eight investments totaling $154 million with unrealized losses of $8 million have been in an impaired position for a period of time greater than 12 months. As of December 31, 2013, we do not intend to sell any impaired debt or equity securities prior to

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recovery of our adjusted cost basis, and it is more likely than not that we will not be required to sell any of our securities prior to recovery of our adjusted cost basis. Based on our analysis as of December 31, 2013, we deem all impairments to be temporary, and therefore changes in value for our temporarily impaired securities as of the same date are included in other comprehensive income. Market valuations and impairment analyses on assets in the available-for-sale securities portfolio are reviewed and monitored on a quarterly basis.

The following table summarizes our unrealized losses on our available-for-sale securities portfolio into categories of less than 12 months, or 12 months or longer as of December 31, 2012:

	December 31, 2012
	Less than 12 months					12 months or longer					Total
(Dollars in thousands)	Fair Value of Investments		Unrealized Losses			Fair Value of Investments		Unrealized Losses			Fair Value of Investments		Unrealized Losses
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	$	22,831	$	(107	)	$	—	$	—		$	22,831	$	(107	)
Agency-issued collateralized mortgage obligations—fixed rate	461,397		(995		)	—		—			461,397		(995		)
Agency-issued collateralized mortgage obligations—variable rate	—		—			7,908		(4		)	7,908		(4		)
Agency-issued commercial mortgage-backed securities	150,581		(489		)	—		—			150,581		(489		)
Municipal bonds and notes	2,098		(11		)	—		—			2,098		(11		)
Equity securities	97		(61		)	255		(266		)	352		(327		)
Total temporarily impaired securities	$	637,004	$	(1,663	)	$	8,163	$	(270	)	$	645,167	$	(1,933	)

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The following table summarizes the remaining contractual principal maturities and fully taxable equivalent yields on debt securities classified as available-for-sale as of December 31, 2013. Interest income on certain municipal bonds and notes (non-taxable investments) are presented on a fully taxable equivalent basis using the federal statutory tax rate of 35.0 percent. The weighted average yield is computed using the amortized cost of debt securities, which are reported at fair value. For U.S. treasury securities, the expected maturity is the actual contractual maturity of the notes. Expected remaining maturities for certain U.S. agency debentures may occur earlier than their contractual maturities because the note issuers have the right to call outstanding amounts ahead of their contractual maturity. Expected maturities for mortgage-backed securities may differ significantly from their contractual maturities because mortgage borrowers have the right to prepay outstanding loan obligations with or without penalties. Mortgage-backed securities classified as available-for-sale typically have original contractual maturities from 10 to 30 years whereas expected average lives of these securities tend to be significantly shorter and vary based upon structure and prepayments in lower rate environments.

	December 31, 2013
	Total				One Year or Less				After One Year to Five Years				After Five Years to Ten Years				After Ten Years
(Dollars in thousands)	Carrying Value		Weighted- Average Yield		Carrying Value		Weighted- Average Yield		Carrying Value		Weighted- Average Yield		Carrying Value		Weighted- Average Yield		Carrying Value		Weighted- Average Yield
U.S. agency debentures	$	4,345,232	2.03	%	$	197,305	1.26	%	$	2,926,457	1.50	%	$	1,221,470	2.00	%	$	—	—	%
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	2,473,576		2.44		—		—		876		7.50		953,783		2.24		1,518,917		2.56
Agency-issued collateralized mortgage obligations - fixed rate	3,325,758		1.90		—		—		—		—		41,945		2.81		3,283,813		1.90
Agency-issued collateralized mortgage obligations - variable rate	1,186,573		0.70		—		—		—		—		—		—		1,186,573		0.70
Agency-issued commercial mortgage-backed securities	564,604		2.18		—		—		—		—		—		—		564,604		2.18
Municipal bonds and notes	86,027		5.98		1,322		5.44		25,539		5.71		43,523		6.05		15,643		6.26
Total	$	11,981,770	1.98		$	198,627	1.29		$	2,952,872	1.54		$	2,260,721	2.20		$	6,569,550	1.87

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The following table presents the components of gains and losses (realized and unrealized) on investment securities in 2013, 2012 and 2011:

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Gross gains on investment securities:
Available-for-sale securities, at fair value (1)	$	3,887		$	6,380		$	37,387
Marketable securities (fair value accounting)	—			8,863			912
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments	186,404			107,507			145,892
Other venture capital investments (2)	9,241			58,409			36,506
Other investments	—			21			40
Other securities (fair value accounting) (2)	227,252			—			—
Non-marketable securities (equity method accounting):
Other investments	18,235			16,923			12,445
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments	10,081			3,503			2,517
Other investments	431			1,715			6,527
Total gross gains on investment securities	455,531			203,321			242,226
Gross losses on investment securities:
Available-for-sale securities, at fair value (1)	(3,349		)	(2,139		)	(261		)
Marketable securities (fair value accounting)	—			(1,675		)	(8,103		)
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments	(17,185		)	(63,146		)	(26,591		)
Other venture capital investments	(3,496		)	(11,062		)	(8,918		)
Other investments	—			—			(16		)
Other securities (fair value accounting)	(2,962		)	—			—
Non-marketable securities (equity method accounting):
Other investments	(3,111		)	(1,987		)	(2,241		)
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments (3)	(1,700		)	(1,079		)	(1,028		)
Other investments (4)	(4,320		)	(119		)	(34		)
Total gross losses on investment securities	(36,123		)	(81,207		)	(47,192		)
Gains on investment securities, net	$	419,408		$	122,114		$	195,034

(1) Includes realized gains (losses) on sales of available-for-sale securities that are recognized in the income statement. Unrealized gains (losses) on available-for-sale securities are recognized in other comprehensive income. The cost basis of available-for-sale securities sold is determined on a specific identification basis.

(2) Other securities (fair value accounting) and other venture capital investments includes unrealized valuation gains of $219 million for the year ended December 31, 2013 attributable to two of our portfolio companies, FireEye and Twitter. Both FireEye and Twitter are each subject to a lock-up agreement. The extent to which any unrealized gains will become realized is subject to a variety of factors, including, among other things, the expiration of current lock-up agreements to which these securities are subject, the actual sales of securities and the timing of such actual sales.

(3) Includes OTTI of $1.4 million from the declines in value for 43 of the 288 investments, $1.0 million from the declines in value for 46 of the 324 investments, and 1.0 million from the declines in value for 41 of the 329 investments held at December 31, 2013, 2012, and 2011, respectively. We concluded that any declines in value for the remaining investments were temporary, and as such, no OTTI was required to be recognized.

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(4) Includes OTTI of $3.9 million impairment charge on a single direct equity investment. We concluded that any declines in value for the remaining investments were temporary, and as such, no OTTI was required to be recognized. There were no recognized OTTI amounts for the years ended December 31, 2012 and 2011.

8. Loans and Allowance for Loan Losses

We serve a variety of commercial clients in the technology, life science, venture capital/private equity and premium wine industries. Our technology clients generally tend to be in the industries of hardware (semiconductors, communications and electronics), software and related services, and clean technology (energy and resource innovation). Because of the diverse nature of clean technology products and services, for our loan-related reporting purposes, cleantech-related loans are reported under our hardware, software, life science and other commercial loan categories, as applicable. Our life science clients are concentrated in the medical devices and biotechnology sectors. Loans made to venture capital/private equity firm clients typically enable them to fund investments prior to their receipt of funds from capital calls. Loans to the premium wine industry focus on vineyards and wineries that produce grapes and wines of high quality.

In addition to commercial loans, we make consumer loans through SVB Private Bank and provide real estate secured loans to eligible employees through our EHOP. Our private banking clients are primarily venture capital/private equity professionals and executive leaders in the innovation companies they support. These products and services include real estate secured home equity lines of credit, which may be used to finance real estate investments and loans used to purchase, renovate or refinance personal residences. These products and services also include restricted stock purchase loans and capital call lines of credit.

We also provide community development loans made as part of our responsibilities under the Community Reinvestment Act. These loans are included within “Construction loans” below and are primarily secured by real estate.

The composition of loans, net of unearned income of $89 million and $77 million at December 31, 2013 and 2012, respectively, is presented in the following table:

	December 31,
(Dollars in thousands)	2013		2012
Commercial loans:
Software	$	4,102,636	$	3,261,489
Hardware	1,213,032		1,118,370
Venture capital/private equity	2,386,054		1,732,699
Life science	1,170,220		1,066,199
Premium wine	149,841		143,511
Other	288,904		315,453
Total commercial loans	9,310,687		7,637,721
Real estate secured loans:
Premium wine (1)	514,993		413,513
Consumer loans (2)	873,255		685,300
Other	30,743		—
Total real estate secured loans	1,418,991		1,098,813
Construction loans	76,997		65,742
Consumer loans	99,711		144,657
Total loans, net of unearned income (3)	$	10,906,386	$	8,946,933

(1) Included in our premium wine portfolio are gross construction loans of $112 million and $148 million at December 31, 2013 and 2012, respectively.

(2) Consumer loans secured by real estate at December 31, 2013 and 2012 were comprised of the following:

118

	December 31,
(Dollars in thousands)	2013		2012
Loans for personal residence	$	685,327	$	503,378
Loans to eligible employees	121,548		110,584
Home equity lines of credit	66,380		71,338
Consumer loans secured by real estate	$	873,255	$	685,300

(3) Included within our total loan portfolio are credit card loans of $85 million and $64 million at December 31, 2013 and 2012, respectively.

Credit Quality

The composition of loans, net of unearned income of $89 million and $77 million at December 31, 2013 and December 31, 2012, respectively, broken out by portfolio segment and class of financing receivable, is as follows:

	December 31,
(Dollars in thousands)	2013		2012
Commercial loans:
Software	$	4,102,636	$	3,261,489
Hardware	1,213,032		1,118,370
Venture capital/private equity	2,386,054		1,732,699
Life science	1,170,220		1,066,199
Premium wine	664,834		557,024
Other	396,644		381,195
Total commercial loans	9,933,420		8,116,976
Consumer loans:
Real estate secured loans	873,255		685,300
Other consumer loans	99,711		144,657
Total consumer loans	972,966		829,957
Total loans, net of unearned income	$	10,906,386	$	8,946,933

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The following table summarizes the aging of our gross loans, broken out by portfolio segment and class of financing receivable as of December 31, 2013 and 2012:

(Dollars in thousands)	30 - 59   Days Past   Due		60 - 89   Days Past   Due		Greater Than 90   Days Past   Due		Total Past   Due		Current		Loans Past Due   90 Days or More Still Accruing Interest
December 31, 2013:
Commercial loans:
Software	$	9,804	$	1,291	$	99	$	11,194	$	4,102,546	$	99
Hardware	2,679		3,965		—		6,644		1,198,169		—
Venture capital/private equity	4		—		—		4		2,408,382		—
Life science	395		131		—		526		1,179,462		—
Premium wine	—		—		—		—		665,755		—
Other	1,580		142		—		1,722		397,416		—
Total commercial loans	14,462		5,529		99		20,090		9,951,730		99
Consumer loans:
Real estate secured loans	240		—		—		240		872,586		—
Other consumer loans	8		—		—		8		98,965		—
Total consumer loans	248		—		—		248		971,551		—
Total gross loans excluding impaired loans	14,710		5,529		99		20,338		10,923,281		99
Impaired loans	4,657		7,043		4,339		16,039		35,610		—
Total gross loans	$	19,367	$	12,572	$	4,438	$	36,377	$	10,958,891	$	99
December 31, 2012:
Commercial loans:
Software	$	5,890	$	238	$	19	$	6,147	$	3,284,489	$	19
Hardware	167		32		—		199		1,107,422		—
Venture capital/private equity	7		—		—		7		1,749,896		—
Life science	207		117		—		324		1,076,468		—
Premium wine	—		—		—		—		554,886		—
Other	280		—		—		280		378,619		—
Total commercial loans	6,551		387		19		6,957		8,151,780		19
Consumer loans:
Real estate secured loans	—		—		—		—		683,254		—
Other consumer loans	111		—		—		111		143,867		—
Total consumer loans	111		—		—		111		827,121		—
Total gross loans excluding impaired loans	6,662		387		19		7,068		8,978,901		19
Impaired loans	3,901		9,676		2,269		15,846		22,433		—
Total gross loans	$	10,563	$	10,063	$	2,288	$	22,914	$	9,001,334	$	19

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The following table summarizes our impaired loans as they relate to our allowance for loan losses, broken out by portfolio segment and class of financing receivable as of December 31, 2013 and 2012:

(Dollars in thousands)	Impaired loans for   which there is a related allowance for loan losses		Impaired loans for   which there is no related allowance for loan losses		Total carrying value of impaired loans		Total unpaid principal of impaired loans (1)
December 31, 2013:
Commercial loans:
Software	$	27,308	$	310	$	27,618	$	28,316
Hardware	19,329		338		19,667		35,317
Venture capital/private equity	40		—		40		40
Life Science	—		1,278		1,278		4,727
Premium wine	—		1,442		1,442		1,778
Other	690		—		690		718
Total commercial loans	47,367		3,368		50,735		70,896
Consumer loans:
Real estate secured loans	—		244		244		1,434
Other consumer loans	670		—		670		941
Total consumer loans	670		244		914		2,375
Total	$	48,037	$	3,612	$	51,649	$	73,271
December 31, 2012:
Commercial loans:
Software	$	3,191	$	72	$	3,263	$	4,475
Hardware	21,863		—		21,863		38,551
Venture capital/private equity	—		—		—		—
Life science	—		—		—		—
Premium wine	—		4,398		4,398		4,716
Other	—		5,415		5,415		9,859
Total commercial loans	25,054		9,885		34,939		57,601
Consumer loans:
Real estate secured loans	—		2,239		2,239		7,341
Other consumer loans	1,101		—		1,101		1,300
Total consumer loans	1,101		2,239		3,340		8,641
Total	$	26,155	$	12,124	$	38,279	$	66,242

(1) The unpaid principal balances for hardware and real estate secured consumer loans as of December 31, 2012 have been corrected from previously reported amounts resulting in the total unpaid principal of impaired loans at December 31, 2012 changing from $55.4 million to $66.2 million.

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The following table summarizes our average impaired loans, broken out by portfolio segment and class of financing receivable during 2013, 2012 and 2011:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Average impaired loans:
Commercial loans:
Software	$	6,254	$	2,223	$	2,575
Hardware	24,508		19,242		5,854
Venture capital/private equity	37		—		—
Life science	334		345		1,228
Premium wine	2,210		3,513		2,566
Other	3,601		3,558		4,751
Total commercial loans	36,944		28,881		16,974
Consumer loans:
Real estate secured loans	2,957		5,037		19,179
Other consumer loans	945		1,896		1,076
Total consumer loans	3,902		6,933		20,255
Total average impaired loans	$	40,846	$	35,814	$	37,229

The following tables summarize the activity relating to our allowance for loan losses for 2013, 2012, and 2011 broken out by portfolio segment:

Year ended December 31, 2013	Beginning Balance December 31, 2012		Charge-offs			Recoveries		Provision for (Reduction of) Loan Losses			Ending Balance December 31, 2013
(Dollars in thousands)
Commercial loans:
Software	$	42,648	$	(8,861	)	$	1,934	$	28,363		$	64,084
Hardware	29,761		(18,819		)	2,677		22,934			36,553
Venture capital/private equity	9,963		—			—		6,422			16,385
Life science	13,606		(6,010		)	1,860		2,470			11,926
Premium wine	3,523		—			170		221			3,914
Other	3,912		(8,107		)	2,995		4,880			3,680
Total commercial loans	103,413		(41,797		)	9,636		65,290			136,542
Consumer loans	7,238		(869		)	1,572		(1,597		)	6,344
Total allowance for loan losses	$	110,651	$	(42,666	)	$	11,208	$	63,693		$	142,886

Year ended December 31, 2012	Beginning Balance December 31, 2011		Charge-offs			Recoveries		Provision for (Reduction of) Loan Losses			Ending Balance December 31, 2012
(Dollars in thousands)
Commercial loans:
Software	$	38,263	$	(4,316	)	$	4,874	$	3,827		$	42,648
Hardware	16,810		(20,247		)	1,107		32,091			29,761
Venture capital/private equity	7,319		—			—		2,644			9,963
Life science	10,243		(5,080		)	334		8,109			13,606
Premium wine	3,914		(584		)	650		(457		)	3,523
Other	5,817		(2,485		)	1,377		(797		)	3,912
Total commercial loans	82,366		(32,712		)	8,342		45,417			103,413
Consumer loans	7,581		(607		)	1,351		(1,087		)	7,238
Total allowance for loan losses	$	89,947	$	(33,319	)	$	9,693	$	44,330		$	110,651

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Year ended December 31, 2011	Beginning Balance December 31, 2010		Charge-offs			Recoveries		Provision for (Reduction of) Loan Losses			Ending Balance December 31, 2011
(Dollars in thousands)
Commercial loans:
Software	$	29,288	$	(10,252	)	$	11,659	$	7,568		$	38,263
Hardware	14,688		(4,828		)	455		6,495			16,810
Venture capital/private equity	8,241		—			—		(922		)	7,319
Life science	9,077		(4,201		)	6,644		(1,277		)	10,243
Premium wine	5,492		(449		)	1,223		(2,352		)	3,914
Other	5,318		(3,954		)	471		3,982			5,817
Total commercial loans	72,104		(23,684		)	20,452		13,494			82,366
Consumer loans	10,523		(220		)	4,671		(7,393		)	7,581
Total allowance for loan losses	$	82,627	$	(23,904	)	$	25,123	$	6,101		$	89,947

The following table summarizes the allowance for loan losses individually and collectively evaluated for impairment as of December 31, 2013 and 2012, broken out by portfolio segment:

	December 31, 2013				December 31, 2012
(Dollars in thousands)	Individually Evaluated for   Impairment		Collectively Evaluated for   Impairment		Individually Evaluated for   Impairment		Collectively Evaluated for   Impairment
Commercial loans:
Software	$	11,261	$	52,823	$	762	$	41,886
Hardware	9,673		26,880		5,251		24,510
Venture capital/private equity	19		16,366		—		9,963
Life science	—		11,926		—		13,606
Premium wine	—		3,914		—		3,523
Other	156		3,524		—		3,912
Total commercial loans	21,109		115,433		6,013		97,400
Consumer loans	168		6,176		248		6,990
Total allowance for loan losses	$	21,277	$	121,609	$	6,261	$	104,390

Credit Quality Indicators

For each individual client, we establish an internal credit risk rating for that loan, which is used for assessing and monitoring credit risk as well as performance of the loan and the overall portfolio. Our internal credit risk ratings are also used to summarize the risk of loss due to failure by an individual borrower to repay the loan. For our internal credit risk ratings, each individual loan is given a risk rating of 1 through 10. Loans risk-rated 1 through 4 are performing loans and translate to an internal rating of “Pass”, with loans risk-rated 1 being cash secured. Loans risk-rated 5 through 7 are performing loans, however, we consider them as demonstrating higher risk, which requires more frequent review of the individual exposures; these translate to an internal rating of “Performing (Criticized)”. A majority of our Performing (Criticized) loans are from our SVB Accelerator practice, serving our emerging or early stage clients. Loans risk-rated 8 and 9 are loans that are considered to be impaired and are on nonaccrual status. Loans are placed on nonaccrual status when they become 90 days past due as to principal or interest payments (unless the principal and interest are well secured and in the process of collection), or when we have determined, based upon most recent available information, that the timely collection of principal or interest is not probable; these loans are deemed “impaired” (For further description of nonaccrual loans, refer to Note 2—“Summary of Significant Accounting Policies”). Loans rated 10 are charged-off and are not included as part of our loan portfolio balance. We review our credit quality indicators for performance and appropriateness of risk ratings as part of our evaluation process for our allowance for loan losses.

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The following table summarizes the credit quality indicators, broken out by portfolio segment and class of financing receivables as of December 31, 2013 and 2012:

(Dollars in thousands)	Pass		Performing     (Criticized)		Impaired		Total
December 31, 2013:
Commercial loans:
Software	$	3,875,043	$	238,697	$	27,618	$	4,141,358
Hardware	995,055		209,758		19,667		1,224,480
Venture capital/private equity	2,408,386		—		40		2,408,426
Life science	1,091,993		87,995		1,278		1,181,266
Premium wine	652,747		13,008		1,442		667,197
Other	383,602		15,536		690		399,828
Total commercial loans	9,406,826		564,994		50,735		10,022,555
Consumer loans:
Real estate secured loans	868,789		4,037		244		873,070
Other consumer loans	95,586		3,387		670		99,643
Total consumer loans	964,375		7,424		914		972,713
Total gross loans	$	10,371,201	$	572,418	$	51,649	$	10,995,268
December 31, 2012:
Commercial loans:
Software	$	3,050,449	$	240,187	$	3,263	$	3,293,899
Hardware	970,802		136,819		21,863		1,129,484
Venture capital/private equity	1,748,663		1,240		—		1,749,903
Life science	956,276		120,516		—		1,076,792
Premium wine	545,697		9,189		4,398		559,284
Other	360,291		18,608		5,415		384,314
Total commercial loans	7,632,178		526,559		34,939		8,193,676
Consumer loans:
Real estate secured loans	663,911		19,343		2,239		685,493
Other consumer loans	132,818		11,160		1,101		145,079
Total consumer loans	796,729		30,503		3,340		830,572
Total gross loans	$	8,428,907	$	557,062	$	38,279	$	9,024,248

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TDRs

As of December 31, 2013 we had 18 TDRs with a total carrying value of $22 million where concessions have been granted to borrowers experiencing financial difficulties, in an attempt to maximize collection. This compares to 18 TDRs with a total carrying value of $34 million as of December 31, 2012. There were unfunded commitments available for funding of $0.1 million to the clients associated with these TDRs as of December 31, 2013. The following table summarizes our loans modified in TDRs, broken out by portfolio segment and class of financing receivables at December 31, 2013 and 2012:

	December 31,
(Dollars in thousands)	2013		2012
Loans modified in TDRs:
Commercial loans:
Software	$	5,860	$	2,021
Hardware	13,329		20,514
Venture capital/ private equity	77		—
Premium wine	1,442		2,593
Other	1,055		5,900
Total commercial loans	21,763		31,028
Consumer loans:
Real estate secured loans	—		2,199
Other consumer loans	670		1,101
Total consumer loans	670		3,300
Total	$	22,433	$	34,328

The following table summarizes the recorded investment in loans modified in TDRs, broken out by portfolio segment and class of financing receivable, for modifications made during 2013, 2012, and 2011:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Loans modified in TDRs during the period:
Commercial loans:
Software	$	4,932	$	1,939	$	615
Hardware	8,143		20,514		4,018
Venture capital/ private equity	77		—		—
Premium wine	—		1,024		1,949
Other	690		4,878		3,884
Total commercial loans	13,842		28,355		10,466
Consumer loans:
Real estate secured loans	—		368		—
Other consumer loans	6		—		3,133
Total consumer loans	6		368		3,133
Total loans modified in TDRs during the period (1)	$	13,848	$	28,723	$	13,599

(1) During 2013 , 2012, and 2011 we had partial charge-offs of $11.1 million, $14.3 million, and $2.8 million respectively, on loans classified as TDRs.

During 2013 and 2011 all new TDRs were modified through payment deferrals granted to our clients and no principal or interest was forgiven. During 2012 new TDRs totaling $9 million and $19 million were modified through forgiveness of principal and payment deferrals granted to our clients, respectively.

The related allowance for loan losses for the majority of our TDRs is determined on an individual basis by comparing the carrying value of the loan to the present value of the estimated future cash flows, discounted at the pre-modification contractual

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interest rate. For certain TDRs, the related allowance for loan losses is determined based on the fair value of the collateral if the loan is collateral dependent.

The following table summarizes the recorded investment in loans modified in TDRs within the previous 12 months that subsequently defaulted during their respective periods, broken out by portfolio segment and class of financing receivable:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
TDRs modified within the previous 12 months that defaulted during the period:
Commercial loans:
Hardware	$	1,627	$	1,868	$	1,885
Venture capital/ private equity	38		—		—
Premium wine	—		—		1,949
Other	365		—		—
Total commercial loans	2,030		1,868		3,834
Consumer loans:
Real estate secured loans	—		120		—
Other consumer loans	6		—		3,133
Total consumer loans	6		120		3,133
Total TDRs modified within the previous 12 months that defaulted in the period	$	2,036	$	1,988	$	6,967

Charge-offs and defaults on previously restructured loans are evaluated to determine the impact to the allowance for loan losses, if any. The evaluation of these defaults may impact the assumptions used in calculating the reserve on other TDRs and impaired loans as well as management’s overall outlook of macroeconomic factors that affect the reserve on the loan portfolio as a whole. After evaluating the charge-offs and defaults experienced on our TDRs we determined that no change to our reserving methodology was necessary to determine the allowance for loan losses as of December 31, 2013.

9. Premises and Equipment

Premises and equipment at December 31, 2013 and 2012 consisted of the following:

	December 31,
(Dollars in thousands)	2013			2012
Computer software	$	128,129		$	108,415
Computer hardware	45,241			42,147
Leasehold improvements	40,851			36,907
Furniture and equipment	19,434			17,431
Total	233,655			204,900
Accumulated depreciation and amortization	(166,170		)	(138,355		)
Premises and equipment, net	$	67,485		$	66,545

Depreciation and amortization expense for premises and equipment was $29.1 million, $23.7 million, and $17.7 million in 2013, 2012 and 2011, respectively. Additionally, in 2013 we wrote-off $1.2 million in certain assets, primarily computer software.

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10. Deposits

The following table presents the composition of our deposits at December 31, 2013 and 2012:

	December 31,
(Dollars in thousands)	2013		2012
Noninterest-bearing demand	$	15,894,360	$	13,875,275
Negotiable order of withdrawal (NOW)	151,746		133,260
Money market	4,373,974		2,969,769
Money market deposits in foreign offices	181,299		110,915
Sweep deposits in foreign offices	1,657,740		1,932,045
Time	213,860		155,188
Total deposits	$	22,472,979	$	19,176,452

The aggregate amount of time deposit accounts individually equal to or greater than $100,000 totaled $197 million and $133 million at December 31, 2013 and 2012, respectively. Interest expense paid on time deposits individually equal to or greater than $100,000 totaled $0.6 million, $0.5 million and $0.9 million in 2013, 2012 and 2011, respectively. At December 31, 2013, time deposit accounts individually equal to or greater than $100,000 totaling $197 million were scheduled to mature within one year.

11. Short-Term Borrowings and Long-Term Debt

The following table represents outstanding short-term borrowings and long-term debt at December 31, 2013 and 2012:

				Carrying Value
(Dollars in thousands)	Maturity	Principal value at December 31, 2013		December 31, 2013		December 31, 2012
Short-term borrowings:
Federal funds purchased	—	—		—		160,000
Other short-term borrowings	(1)	5,080		5,080		6,110
Total short-term borrowings				$	5,080	$	166,110
Long-term debt:
5.375% Senior Notes	September 15, 2020	$	350,000	$	348,209	$	347,995
6.05% Subordinated Notes (2)	June 1, 2017	45,964		51,987		54,571
7.0% Junior Subordinated Debentures	October 15, 2033	50,000		55,020		55,196
Total long-term debt				$	455,216	$	457,762

(1) Represents cash collateral received from our counterparty for our interest rate swap agreement related to our 6.05% Subordinated Notes.

(2) At December 31, 2013 and 2012, included in the carrying value of our 6.05% Subordinated Notes were $6 million and $9 million, respectively, related to hedge accounting associated with the notes.

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The aggregate annual maturities of long-term debt obligations as of December 31, 2013 are as follows:

Year ended December 31, (dollars in thousands):	Amount
2014	$	—
2015	—
2016	—
2017	51,987
2018	—
2019 and thereafter	403,229
Total	$	455,216

Interest expense related to short-term borrowings and long-term debt was $23.1 million, $24.2 million and $30.2 million in 2013, 2012 and 2011, respectively. Interest expense is net of the hedge accounting impact from our interest rate swap agreements related to our 6.05% Subordinated Notes. The weighted average interest rate associated with our short-term borrowings as of December 31, 2013 was 0.08 percent.

5.375% Senior Notes

In September 2010, we issued $350 million of 5.375% Senior Notes due in September 2020 (“5.375% Senior Notes”). We received net proceeds of $345 million after deducting underwriting discounts and commissions and other expenses. We used approximately $250 million of the net proceeds from the sale of the notes to meet obligations due on our 3.875% Convertible Notes, which matured in April 2011. The remaining net proceeds were used for general corporate purposes, including working capital.

6.05% Subordinated Notes

On May 15, 2007, the Bank issued 6.05% Subordinated Notes, due in June 2017, in an aggregate principal amount of $250 million. Concurrent with the issuance of the 6.05% Subordinated Notes, we entered into a fixed-to-variable interest rate swap agreement (see Note 12-“Derivative Financial Instruments”).

We repurchased $204 million of our 6.05% Subordinated Notes through a tender offer transaction in May 2011. The repurchase resulted in a gross loss from extinguishment of debt. In connection with the repurchase, we terminated the corresponding amount of the interest rate swap associated with the 6.05% Subordinated Notes (see Note 12-“Derivative Financial Instruments”), resulting in a gross gain on swap termination. The net gain from the note repurchase and the termination of the corresponding portion of the interest rate swap was recognized during the second quarter of 2011 as a reduction in noninterest expense, which is included in the line item “Other”.

7.0% Junior Subordinated Debentures

In October 2003, we issued $50 million in 7.0% Junior Subordinated Debentures to a special-purpose trust, SVB Capital II. Distributions to SVB Capital II are cumulative and are payable quarterly at a fixed rate of 7.0 percent per annum of the face value of the junior subordinated debentures. Distributions for each of 2013, 2012 and 2011 were $3.5 million. The junior subordinated debentures are mandatorily redeemable upon maturity in October 2033, or may be redeemed prior to maturity in whole or in part, at our option, at any time on or after October 2008. Issuance costs of $2.2 million related to the junior subordinated debentures were deferred and are being amortized over the period until mandatory redemption of the debentures in October 2033.

Available Lines of Credit

We have certain facilities in place to enable us to access short-term borrowings on a secured (using available-for-sale securities as collateral) and an unsecured basis. These include repurchase agreements and uncommitted federal funds lines with various financial institutions. As of December 31, 2013, we did not borrow against our uncommitted federal funds lines. We also pledge securities to the FHLB of San Francisco and the discount window at the FRB. The market value of collateral pledged to the FHLB of San Francisco (comprised primarily of U.S. agency debentures) at December 31, 2013 totaled $1.4 billion, all of which

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was unused and available to support additional borrowings. The market value of collateral pledged at the discount window of the FRB at December 31, 2013 totaled $578 million, all of which was unused and available to support additional borrowings.

12. Derivative Financial Instruments

We primarily use derivative financial instruments to manage interest rate risk, currency exchange rate risk, and to assist customers with their risk management objectives. Also, in connection with negotiating credit facilities and certain other services, we often obtain equity warrant assets giving us the right to acquire stock in private, venture-backed companies in the technology and life science industries.

Interest Rate Risk

Interest rate risk is our primary market risk and can result from timing and volume differences in the repricing of our interest rate-sensitive assets and liabilities and changes in market interest rates. To manage interest rate risk for our 6.05% Subordinated Notes, we entered into a fixed-for-floating interest rate swap agreement at the time of debt issuance based upon LIBOR with matched-terms. Net cash benefits associated with our interest rate swap is recorded as a reduction in “Interest expense—Borrowings,” a component of net interest income. The fair value of our interest rate swaps is calculated using a discounted cash flow method and adjusted for credit valuation associated with counterparty risk. Changes in fair value of the interest rate swaps are reflected in either other assets (for swaps in an asset position) or other liabilities (for swaps in a liability position).

We assess hedge effectiveness under ASC 815, Derivatives and Hedging, using the long-haul method. Any differences associated with our interest rate swaps that arise as a result of hedge ineffectiveness are recorded through net gains on derivative instruments, in noninterest income, a component of consolidated net income.

Currency Exchange Risk

We enter into foreign exchange forward contracts to economically reduce our foreign exchange exposure risk associated with the net difference between foreign currency denominated assets and liabilities, primarily in Pound Sterling and Euro. We do not designate any foreign exchange forward contracts as derivative instruments that qualify for hedge accounting. Changes in currency rates on foreign currency denominated instruments are included in other noninterest income, a component of noninterest income. We may experience ineffectiveness in the economic hedging relationship, because the instruments are revalued based upon changes in the currency’s spot rate on the principal value, while the forwards are revalued on a discounted cash flow basis. We record forward agreements in gain positions in other assets and loss positions in other liabilities, while net changes in fair value are recorded through net gains on derivative instruments, in noninterest income, a component of consolidated net income. Additionally, through our global banking operations we maintain customer deposits denominated in the Euro and Pound Sterling, which are used to fund certain loans in these currencies to limit our exposure to currency fluctuations.

Other Derivative Instruments

Equity Warrant Assets

Our equity warrant assets are concentrated in private, venture-backed companies in the technology and life science industries. Most of these warrant agreements contain net share settlement provisions, which permit us to pay the warrant exercise price using shares issuable under the warrant (“cashless exercise”). We value our equity warrant assets using a modified Black-Scholes option pricing model, which incorporates assumptions about the underlying asset value, volatility, and the risk-free rate. We make valuation adjustments for estimated remaining life and marketability for warrants issued by private companies. Equity warrant assets are recorded at fair value in other assets, while changes in their fair value are recorded through net gains on derivative instruments, in noninterest income, a component of consolidated net income.

Loan Conversion Options

In connection with negotiating certain credit facilities, we occasionally extend loan facilities which have convertible option features. The convertible loans may be converted into a certain number of shares determined by dividing the principal amount of the loan by the applicable conversion price. Because our loan conversion options have underlying and notional values and had no initial net investment, these assets qualify as derivative instruments. We value our loan conversion options using a modified Black-Scholes option pricing model, which incorporates assumptions about the underlying asset value, volatility, and the risk-free rate. Loan conversion options are recorded at fair value in other assets, while changes in their fair value are recorded through net gains on derivative instruments, in noninterest income, a component of consolidated net income.

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Other Derivatives

We sell forward and option contracts to clients who wish to mitigate their foreign currency exposure. We economically reduce the currency risk from this business by entering into opposite way contracts with correspondent banks. This relationship does not qualify for hedge accounting. The contracts generally have terms of one year or less, although we may have contracts extending for up to five years. Generally, we have not experienced nonperformance on these contracts, have not incurred credit losses, and anticipate performance by all counterparties to such agreements. Contracts in an asset position are included in other assets and contracts in a liability position are included in other liabilities. The net change in the fair value of these contracts is recorded through net gains on derivative instruments, in noninterest income, a component of consolidated net income.

We sell interest rate contracts to clients who wish to mitigate their interest rate exposure. We economically reduce the interest rate risk from this business by entering into opposite way contracts with correspondent banks. We do not designate any of these contracts (which are derivative instruments) as qualifying for hedge accounting. Contracts in an asset position are included in other assets and contracts in a liability position are included in other liabilities. The net change in the fair value of these derivatives is recorded through net gains on derivative instruments, in noninterest income, a component of consolidated net income.

Counterparty Credit Risk

We are exposed to credit risk if counterparties to our derivative contracts do not perform as expected. We mitigate counterparty credit risk through credit approvals, limits, monitoring procedures and obtaining collateral, as appropriate. With respect to measuring counterparty credit risk for derivative instruments, we measure the fair value of a group of financial assets and financial liabilities on a net risk basis by counterparty portfolio.

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The total notional or contractual amounts, fair value, collateral and net exposure of our derivative financial instruments at December 31, 2013 and 2012 were as follows:

		December 31, 2013										December 31, 2012
(Dollars in thousands)	Balance Sheet Location	Notional or Contractual Amount		Fair Value			Collateral (1)		Net Exposure (2)			Notional or Contractual Amount		Fair Value			Collateral (1)		Net Exposure (2)
Derivatives designated as hedging instruments:
Interest rate risks:
Interest rate swaps	Other assets	$	45,964	$	6,492		$	5,080	$	1,412		$	45,964	$	9,005		$	6,110	$	2,895
Derivatives not designated as hedging instruments:
Currency exchange risks:
Foreign exchange forwards	Other assets	140,760		1,423			—		1,423			51,010		488			—		488
Foreign exchange forwards	Other liabilities	62,649		(634		)	—		(634		)	102,956		(1,728		)	—		(1,728		)
Net exposure				789			—		789					(1,240		)	—		(1,240		)
Other derivative instruments:
Equity warrant assets	Other assets	179,934		103,513			—		103,513			164,332		74,272			—		74,272
Other derivatives:
Client foreign exchange forwards	Other assets	424,983		13,673			—		13,673			385,470		11,864			—		11,864
Client foreign exchange forwards	Other liabilities	367,079		(11,549		)	—		(11,549		)	356,026		(9,930		)	—		(9,930		)
Client foreign currency options	Other assets	91,854		434			—		434			132,237		1,189			—		1,189
Client foreign currency options	Other liabilities	91,854		(434		)	—		(434		)	132,237		(1,189		)	—		(1,189		)
Loan conversion options	Other assets	3,455		314			—		314			9,782		890			—		890
Client interest rate derivatives	Other assets	216,773		1,265			—		1,265			144,950		558			—		558
Client interest rate derivatives	Other liabilities	216,773		(1,396		)	—		(1,396		)	144,950		(590		)	—		(590		)
Net exposure				2,307			—		2,307					2,792			—		2,792
Net				$	113,101		$	5,080	$	108,021				$	84,829		$	6,110	$	78,719

(1) Cash collateral received from our counterparty for our interest rate swap agreement is recorded as a component of “short-term borrowings” on our consolidated balance sheets.

(2) Net exposure for contracts in a gain position reflects the replacement cost in the event of nonperformance by all such counterparties. The credit ratings of our institutional counterparties as of December 31, 2013 remain at investment grade or higher and there were no material changes in their credit ratings for the year ended December 31, 2013.

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A summary of our derivative activity and the related impact on our consolidated statements of income for 2013, 2012 and 2011 is as follows:

		Year ended December 31,
(Dollars in thousands)	Statement of income location	2013			2012			2011
Derivatives designated as hedging instruments:
Interest rate risks:
Net cash benefit associated with interest rate swaps	Interest expense—borrowings	$	2,536		$	5,154		$	14,486
Changes in fair value of interest rate swaps	Net gains on derivative instruments	14			603			(470		)
Net gains associated with interest rate risk derivatives		$	2,550		$	5,757		$	14,016
Derivatives not designated as hedging instruments:
Currency exchange risks:
Gains (losses) on revaluations of foreign currency instruments	Other noninterest income	$	3,016		$	1,677		$	(2,096	)
(Losses) gains on internal foreign exchange forward contracts, net	Net gains on derivative instruments	(4,213		)	(103		)	1,973
Net (losses) gains associated with currency risk		$	(1,197	)	$	1,574		$	(123	)
Other derivative instruments:
Net gains on equity warrant assets	Net gains on derivative instruments	$	46,101		$	19,385		$	37,439
(Losses) gains on client foreign exchange forward contracts, net	Net gains on derivative instruments	$	(452	)	$	460		$	376
Net gains (losses) on other derivatives (1)	Net gains on derivative instruments	$	734		$	(1,666	)	$	(2,520	)

(1) Primarily represents the change in fair value of loan conversion options.

Balance Sheet Offsetting

Certain of our derivative and other financial instruments are subject to enforceable master netting arrangements with our counterparties. These agreements provide for the net settlement of multiple contracts with a single counterparty through a single payment, in a single currency, in the event of default on or termination of any one contract.

The following table summarizes our assets subject to enforceable master netting arrangements as of December 31, 2013 and 2012:

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								Gross Amounts Not Offset in the Statement of Financial Position But Subject to Master Netting Arrangements
(Dollars in thousands)	Gross Amounts of Recognized Assets		Gross Amounts offset in the Statement of Financial Position			Net Amounts of Assets Presented in the Statement of Financial Position		Financial Instruments			Cash Collateral Received			Net Amount
December 31, 2013
Derivative Assets:
Interest rate swaps	$	6,492	$	—		$	6,492	$	(1,412	)	$	(5,080	)	$	—
Foreign exchange forwards	15,096		—			15,096		(6,735		)	—			8,361
Foreign currency options	504		(70		)	434		(155		)	—			279
Client interest rate derivatives	1,265		—			1,265		(256		)	—			1,009
Total derivative assets:	23,357		(70		)	23,287		(8,558		)	(5,080		)	9,649
Reverse repurchase, securities borrowing, and similar arrangements	172,989		—			172,989		(172,989		)	—			—
Total	$	196,346	$	(70	)	$	196,276	$	(181,547	)	$	(5,080	)	$	9,649
December 31, 2012
Derivative Assets:
Interest rate swaps	$	9,005	$	—		$	9,005	$	(2,895	)	$	(6,110	)	$	—
Foreign exchange forwards	12,352		—			12,352		(7,363		)	—			4,989
Foreign currency options	1,411		(222		)	1,189		(556		)	—			633
Client interest rate derivatives	558		—			558		(24		)	—			534
Total derivative assets:	23,326		(222		)	23,104		(10,838		)	(6,110		)	6,156
Reverse repurchase, securities borrowing, and similar arrangements	133,357		—			133,357		(133,357		)	—			—
Total	$	156,683	$	(222	)	$	156,461	$	(144,195	)	$	(6,110	)	$	6,156

The following table summarizes our liabilities subject to enforceable master netting arrangements as of December 31, 2013 and 2012:

								Gross Amounts Not Offset in the Statement of Financial Position But Subject to Master Netting Arrangements
(Dollars in thousands)	Gross Amounts of Recognized Liabilities		Gross Amounts offset in the Statement of Financial Position			Net Amounts of Liabilities Presented in the Statement of Financial Position		Financial Instruments			Cash Collateral Pledged		Net Amount
December 31, 2013
Derivative Liabilities:
Foreign exchange forwards	$	12,183	$	—		$	12,183	$	(8,282	)	$	—	$	3,901
Foreign currency options	504		(70		)	434		(279		)	—		155
Client interest rate derivatives	1,396		—			1,396		(1,087		)	—		309
Total derivative liabilities:	14,083		(70		)	14,013		(9,648		)	—		4,365
Repurchase, securities lending, and similar arrangements	—		—			—		—			—		—
Total	$	14,083	$	(70	)	$	14,013	$	(9,648	)	$	—	$	4,365
December 31, 2012
Derivative Liabilities:
Foreign exchange forwards	$	11,658	$	—		$	11,658	$	(5,720	)	$	—	$	5,938
Foreign currency options	1,411		(222		)	1,189		(633		)	—		556
Client interest rate derivatives	590		—			590		(567		)	—		23
Total derivative assets:	13,659		(222		)	13,437		(6,920		)	—		6,517
Repurchase, securities lending, and similar arrangements	—		—			—		—			—		—
Total	$	13,659	$	(222	)	$	13,437	$	(6,920	)	$	—	$	6,517

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13. Other Noninterest Income and Other Noninterest Expense

A summary of other noninterest income for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012			2011
Fund management fees	$	11,163	$	11,057		$	10,730
Service-based fee income	7,807		7,937			9,717
Gains (losses) on revaluation of foreign currency instruments (1)	3,016		1,677			(2,096		)
Currency revaluation gains (losses) (2)	93		(16		)	(4,275		)
Net gains on the sale of certain assets related to our equity management services business	—		4,243			—
Other (3)	14,060		11,465			7,154
Total other noninterest income	$	36,139	$	36,363		$	21,230

(1) Represents the revaluation of foreign currency denominated financial instruments issued and held by us, primarily loans, deposits and cash.

(2) Includes the revaluation of foreign currency denominated financial statements of certain funds. Included in these amounts are gains of $87 thousand, gains of $27 thousand and losses of $2.9 million in 2013, 2012 and 2011, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

(3) Includes dividends on FHLB/FRB stock, correspondent bank rebate income and other fee income.

A summary of other noninterest expense for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Client services	$	8,181	$	6,910	$	4,594
Data processing services	7,895		5,876		4,811
Tax credit fund amortization	6,436		3,911		4,474
Telephone	6,258		6,528		5,835
Postage and supplies	2,462		2,482		2,162
Dues and publications	1,745		2,067		1,570
Net gain from note repurchases and termination of corresponding interest rate swaps (1)	—		—		(3,123		)
Other	8,950		8,188		10,499
Total other noninterest expense	$	41,927	$	35,962	$	30,822

(1) Represents gains from the repurchase of $109 million of our 5.70% Senior Notes and $204 million of our 6.05% Subordinated Notes and the termination of the corresponding portions of interest rate swaps in 2011. For more information, see Note 11–"Short-Term Borrowings and Long-Term Debt."

14. Income Taxes

We are subject to income tax in the U.S. federal jurisdiction and various state and foreign jurisdictions and have identified our federal tax return and tax returns in California and Massachusetts as “major” tax filings. U.S. federal tax examinations through 2009 have been concluded. Our U.S. federal tax returns for 2010 and subsequent years remain open to examination. Our California tax returns for 2008 and subsequent tax years remain open to examination. Massachusetts tax returns for 2008, 2010 and subsequent years remain open to examination.

During the third quarter of 2013 we recorded a one-time prior period tax expense adjustment of $2.9 million. Prior period amounts have not been revised as the income tax amounts were not considered material, individually, or in the aggregate, to any of the prior reporting periods affected.

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Current taxes receivable were $16 million at December 31, 2013, compared to current taxes payable of $9 million at December 31, 2012.

The components of our provision for income taxes for 2013, 2012 and 2011 were as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012			2011
Current provision:
Federal	$	99,480	$	87,635		$	86,220
State	25,498		23,752			25,505
Deferred expense (benefit):
Federal	11,244		2,385			5,756
State	2,836		(503		)	1,606
Income tax expense	$	139,058	$	113,269		$	119,087

Our effective tax rate is calculated by dividing income tax expense by the sum of income before income tax expense and the net income attributable to noncontrolling interests. The reconciliation between the federal statutory income tax rate and our effective income tax rate for 2013, 2012 and 2011, is as follows:

	December 31,
(Dollars in thousands)	2013		2012		2011
Federal statutory income tax rate	35.0	%	35.0	%	35.0	%
State income taxes, net of the federal tax effect	5.1		5.8		6.0
Meals and entertainment	0.5		0.5		0.5
Disallowed officer's compensation	0.1		0.1		0.1
Share-based compensation expense on incentive stock options and ESPP	(0.3	)	0.4		0.3
Tax-exempt interest income	(0.3	)	(0.4	)	(0.4	)
Low-income housing tax credits	(1.6	)	(1.2	)	(1.1	)
Other, net	0.7		(0.9	)	0.5
Effective income tax rate	39.2	%	39.3	%	40.9	%

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Deferred tax assets and liabilities at December 31, 2013 and 2012, consisted of the following:

	December 31,
(Dollars in thousands)	2013			2012
Deferred tax assets:
Allowance for loan losses	$	69,616		$	53,953
Net unrealized losses on available-for-sale securities	27,686			—
Share-based compensation expense	14,535			11,478
Net operating loss	9,682			8,175
Loan fee income	7,804			10,356
State income taxes	6,194			7,042
Net unrealized losses on foreign currency translation	5,228			—
Other accruals not currently deductible	4,869			2,205
Premises and equipment and other intangibles	734			—
Research and development credit	324			364
Other	36			16
Deferred tax assets	146,708			93,589
Valuation allowance	(10,006		)	(8,539		)
Net deferred tax assets after valuation allowance	136,702			85,050
Deferred tax liabilities:
Non-marketable and other securities	(55,921		)	(23,363		)
Derivative equity warrant assets	(10,344		)	(5,566		)
FHLB stock dividend	(1,236		)	(1,252		)
Net unrealized gains on available-for-sale securities	—			(74,983		)
Premises and equipment and other intangibles	—			(5,466		)
Other	(964		)	—
Deferred tax liabilities	(68,465		)	(110,630		)
Net deferred tax assets (liabilities)	$	68,237		$	(25,580	)

At both December 31, 2013 and 2012, federal net operating loss carryforwards totaled $16 million, and state net operating loss carryforwards totaled $8 million. Our foreign net operating loss carryforwards totaled $19 million and $11 million at December 31, 2013 and 2012, respectively. These net operating loss carryforwards expire at various dates beginning in 2019. A portion of our net operating loss carryforwards will be subject to provisions of the tax law that limits the use of losses that existed at the time there is a change in control of an enterprise. At December 31, 2013, the amount of our federal and state net operating loss carryforwards that would be subject to these limitations was $7 million and $2 million, respectively.

Currently, we believe that it is more likely than not that the benefit from these net operating loss carryforwards, which are associated with our former eProsper business unit, part of SVB Analytics, and our UK operations, will not be realized in the near term due to uncertainties in the timing of future profitability in those businesses. In recognition of this, we have provided a valuation allowance of $10 million and $9 million on the deferred tax assets related to these net operating loss carryforward and research and development credits at December 31, 2013 and 2012, respectively. We believe it is more likely than not that the remaining deferred tax assets will be realized through recovery of taxes previously paid and/or future taxable income. Therefore, no valuation allowance was provided for the remaining deferred tax assets.

At December 31, 2013, our unrecognized tax benefit was $0.3 million, the recognition of which would reduce our income tax expense by $0.3 million. We do not expect that our unrecognized tax benefit will materially change in the next 12 months.

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A summary of changes in our unrecognized tax benefit (including interest and penalties) in 2013 is as follows:

(Dollars in thousands)	Reconciliation of Unrecognized Tax Benefit			Interest & Penalties			Total
Balance at December 31, 2012	$	284		$	160		$	444
Additions for tax positions for prior years	123			47			170
Reduction for tax positions for prior years	(10		)	(40		)	(50		)
Lapse of the applicable statute of limitations	(145		)	(76		)	(221		)
Balance at December 31, 2013	$	252		$	91		$	343

15. Employee Compensation and Benefit Plans

Our employee compensation and benefit plans include:  (i) Incentive Compensation Plan; (ii) Direct Drive Incentive Compensation Plan; (iii) Retention Program; (iv) Warrant Incentive Plan; (v) 401(k) and ESOP; (vi) EHOP; and (vii) Deferred Compensation Plan; (viii) equity incentive plans; (ix) ESPP. The Equity Incentive Plans and the ESPP are described in Note 4–“Share-Based Compensation.”

A summary of expenses incurred under certain employee compensation and benefit plans for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Incentive Compensation Plans	$	70,164	$	48,344	$	67,008
Direct Drive Incentive Compensation Plan	22,941		24,556		17,745
Retention Program	2,577		2,076		2,430
Warrant Incentive Plan	5,818		2,523		2,473
SVBFG 401(k) Plan	11,277		9,947		8,164
SVBFG ESOP	7,429		10,324		8,652

Incentive Compensation Plan

Our Incentive Compensation Plan (“ICP”) is an annual cash incentive plan that rewards performance based on our financial results and other performance criteria. Awards are made based on company performance, the employee's target bonus level, and management's assessment of individual employee performance.

Direct Drive Incentive Compensation Plan

The Direct Drive Incentive Compensation Plan (“Direct Drive”) is an annual sales incentive program. Awards are based on sales teams' performance to predetermined financial targets and other company/individual performance criteria. Actual awards for each sales team member under Direct Drive are based on: (i) the actual results and financial performance with respect to the incentive gross profit targets; (ii) the sales team payout targets; and (iii) the sales team member's sales position and team payout allocation.

Retention Program

The Retention Program (“RP”) is a long-term incentive plan that allows designated employees to share directly in our investment success. Plan participants are granted an interest in the distributions of gains from certain designated investments made by us during the applicable year. Specifically, participants share in: (i) returns from designated investments made by us, including investments in certain venture capital and private equity funds, debt funds, and direct equity investments in companies; (ii) income realized from the exercise of, and the subsequent sale of shares obtained through the exercise of, warrants held by us; and (iii) other designated amounts as determined by us. No new participants are being added and no new investments will be designated to the plan.

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Warrant Incentive Plan

The Warrant Incentive Plan provides individual and team awards to those employees who negotiate warrants on our behalf. Designated participants, as determined by the Company, share in the cash proceeds received by the Company from the exercise of equity warrant assets.

401(k) and ESOP

The 401(k) Plan and ESOP, collectively referred to as the “Plan”, is a combined 401(k) tax-deferred savings plan and employee stock ownership plan in which all regular U.S. employees are eligible to participate.

Employees participating in the 401(k) Plan are allowed to contribute up to 75 percent of their pre-tax pay as defined in the Plan, up to the maximum annual amount allowable under federal income tax regulations of $17,500 for the year 2013, $17,000 for the year 2012 and $16,500 for 2011. We match the employee's contributions dollar-for-dollar, up to 5 percent of the employee's pre-tax pay as defined in the Plan. Our matching contributions vest immediately. The amount of salary deferred, up to the allowed maximum, is not subject to federal or state income taxes at the time of deferral.

Discretionary ESOP contributions, based on our company performance, are made by us to all eligible individuals employed by us on the last day of the fiscal year. We may elect to contribute cash or our common stock (or a combination of cash and stock), in an amount not exceeding 10 percent of the employee's eligible pay earned in the fiscal year. The ESOP contributions vest in equal annual increments over five years during a participant's first five years of service (thereafter all subsequent ESOP contributions are fully vested).

EHOP

The EHOP is a benefit plan that provides for the issuance of mortgage loans at favorable interest rates to eligible employees. Eligible employees may apply for a fixed-rate mortgage for their primary residence, which is due and payable in either five or seven years and is based on amortization over a 30 year period. Applicants must qualify for a loan through the normal mortgage review and approval process, which is typical of industry standards. The maximum loan amount generally cannot be greater than 80 percent of the lesser of the purchase price or the appraised value. The interest rate on the loan is written at the then market rate for five year (5/1) or seven year (7/1) mortgage loans as determined by us. However, provided that the applicant continues to meet all the eligibility requirements, including employment, the actual rate charged to the borrower shall be up to 2 percent below the market rate. The loan rate shall not be less than the greater of either the jumbo conforming market rate (corresponding to the maturity of the loan) or the monthly Applicable Federal Rate for medium-term loans as published by the Internal Revenue Service. The loan rate will be fixed at the time of approval and locked in for 30 days.

Deferred Compensation Plan

Under the Deferred Compensation Plan (the “DC Plan”), eligible employees may elect to defer up to 50 percent of their base salary and/or up to 100 percent of any eligible bonus payment to which they are entitled, for a period of 12 consecutive months, beginning January 1 and ending December 31. Any amounts deferred under the DC Plan will be invested and administered by us (or such person we designate). We do not match employee deferrals to the DC Plan.

Voluntary deferrals under the DC Plan were $3.6 million, $3.2 million and $1.3 million in 2013, 2012 and 2011, respectively. From time to time, we may also designate special retention incentives as mandatory deferrals under this plan during the retention qualifying period. As of December 31, 2013, mandatory special retention incentives totaled $12.5 million. The DC Plan over all, had investment gains of $1.8 million in 2013, gains of $0.7 million in 2012 and losses of $0.1 million in 2011.

16. Related Parties

SVB Financial has commitments under two partially-syndicated revolving line of credit facilities totaling $65 million to Gold Hill Capital 2008 LP, a venture debt fund, and an affiliated fund, for which SVB Financial has ownership interests. Of the $65 million, $16 million is syndicated to another lender. SVB Financial has an 11.5 percent direct ownership interest and a 4.0 percent indirect ownership interest in Gold Hill Capital 2008 LP through our 83.8 percent interest in its general partner, Gold Hill Capital 08, LLC. The lines of credit are secured and bear an interest rate of national Prime plus one percent. The highest outstanding balance under SVB Financial's portion of the facility for the year ended December 31, 2013 was $38 million. SVB Financial's portion of the outstanding balance as of December 31, 2013, and 2012, was $23 million, and $31 million, respectively.

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During 2013, the Bank made loans to related parties, including certain companies in which certain of our directors or their affiliated venture funds are beneficial owners of ten percent or more of the equity securities of such companies. Such loans: (a) were made in the ordinary course of business; (b) were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other non-related persons; and (c) did not involve more than the normal risk of collectibility or present other unfavorable features. Additionally, we also provide real estate secured loans to eligible employees through our EHOP.

17. Off-Balance Sheet Arrangements, Guarantees and Other Commitments

Operating Leases

We are obligated under a number of noncancelable operating leases for premises and equipment that expire at various dates, through 2025, and in most instances, include options to renew or extend at market rates and terms. Such leases may provide for periodic adjustments of rentals during the term of the lease based on changes in various economic indicators. The following table presents minimum future payments under noncancelable operating leases as of December 31, 2013:

Year ended December 31, (dollars in thousands) :	Amount
2014	$	16,111
2015	19,809
2016	19,630
2017	18,421
2018	17,550
2019 and thereafter	71,212
Net minimum operating lease payments	$	162,733

Rent expense for premises and equipment leased under operating leases totaled $16.3 million, $14.5 million and $11.9 million in 2013, 2012 and 2011, respectively.

Commitments to Extend Credit

A commitment to extend credit is a formal agreement to lend funds to a client as long as there is no violation of any condition established in the agreement. Such commitments generally have fixed expiration dates, or other termination clauses, and usually require a fee paid by the client upon us issuing the commitment. The following table summarizes information related to our commitments to extend credit at December 31, 2013 and 2012, respectively:

	December 31,
(Dollars in thousands)	2013		2012
Loan commitments available for funding: (1)
Fixed interest rate commitments	$	1,392,781	$	862,120
Variable interest rate commitments	9,101,973		6,906,580
Total loan commitments available for funding	10,494,754		7,768,700
Commercial and standby letters of credit (2)	975,968		842,091
Total unfunded credit commitments	$	11,470,722	$	8,610,791
Commitments unavailable for funding (3)	$	1,006,168	$	1,315,072
Maximum lending limits for accounts receivable factoring arrangements (4)	894,276		880,057
Reserve for unfunded credit commitments (5)	29,983		22,299

(1) Represents commitments which are available for funding, due to clients meeting all collateral, compliance and financial covenants required under loan commitment agreements.

(2) See below for additional information on our commercial and standby letters of credit.

(3) Represents commitments which are currently unavailable for funding, due to clients failing to meet all collateral, compliance and financial covenants under loan commitment agreements.

(4) We extend credit under accounts receivable factoring arrangements when our clients’ sales invoices are deemed creditworthy under existing underwriting practices.

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(5) Our reserve for unfunded credit commitments includes an allowance for both our unfunded loan commitments and our letters of credit.

Our potential exposure to credit loss for commitments to extend credit, in the event of nonperformance by the other party to the financial instrument, is the contractual amount of the available unused loan commitment. We use the same credit approval and monitoring process in extending credit commitments as we do in making loans. The actual liquidity needs and the credit risk that we have experienced have historically been lower than the contractual amount of commitments to extend credit because a significant portion of these commitments expire without being drawn upon. We evaluate each potential borrower and the necessary collateral on an individual basis. The type of collateral varies, but may include real property, intellectual property, bank deposits, or business and personal assets. The credit risk associated with these commitments is considered in the reserve for unfunded credit commitments.

Commercial and Standby Letters of Credit

Commercial and standby letters of credit represent conditional commitments issued by us on behalf of a client to guarantee the performance of the client to a third party when certain specified future events have occurred. Commercial letters of credit are issued primarily for inventory purchases by a client and are typically short-term in nature. We provide two types of standby letters of credit: performance and financial standby letters of credit. Performance standby letters of credit are issued to guarantee the performance of a client to a third party when certain specified future events have occurred and are primarily used to support performance instruments such as bid bonds, performance bonds, lease obligations, repayment of loans, and past due notices. Financial standby letters of credit are conditional commitments issued by us to guarantee the payment by a client to a third party (beneficiary) and are primarily used to support many types of domestic and international payments. These standby letters of credit have fixed expiration dates and generally require a fee to be paid by the client at the time we issue the commitment. Fees generated from these standby letters of credit are recognized in noninterest income over the commitment period using the straight-line method.

The credit risk involved in issuing letters of credit is essentially the same as that involved with extending credit commitments to clients, and accordingly, we use a credit evaluation process and collateral requirements similar to those for credit commitments. Our standby letters of credit often are cash secured by our clients. The actual liquidity needs and the credit risk that we have experienced historically have been lower than the contractual amount of letters of credit issued because a significant portion of these conditional commitments expire without being drawn upon.

The table below summarizes our commercial and standby letters of credit at December 31, 2013. The maximum potential amount of future payments represents the amount that could be remitted under letters of credit if there were a total default by the guaranteed parties, without consideration of possible recoveries under recourse provisions or from the collateral held or pledged.

(Dollars in thousands)	Expires In One Year or Less		Expires After One Year		Total Amount Outstanding		Maximum Amount of Future  Payments
Financial standby letters of credit	$	845,120	$	52,962	$	898,082	$	898,082
Performance standby letters of credit	58,938		11,190		70,128		70,128
Commercial letters of credit	7,758		—		7,758		7,758
Total	$	911,816	$	64,152	$	975,968	$	975,968

At December 31, 2013 and 2012, deferred fees related to financial and performance standby letters of credit were $8 million and $6 million, respectively. At December 31, 2013, collateral in the form of cash of $230 million and available-for-sale securities of $186 million were available to us to reimburse losses, if any, under financial and performance standby letters of credit.

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Commitments to Invest in Venture Capital and Private Equity Funds

We make commitments to invest in venture capital and private equity funds, which in turn make investments generally in, or in some cases make loans to, privately-held companies. Commitments to invest in these funds are generally made for a 10-year period from the inception of the fund. Although the limited partnership agreements governing these investments typically do not restrict the general partners from calling 100% of committed capital in one year, it is customary for these funds to generally call most of the capital commitments over 5 to 7 years; however in certain cases, the funds may not call 100% of committed capital over the life of the fund. The actual timing of future cash requirements to fund these commitments is generally dependent upon the investment cycle, overall market conditions, and the nature and type of industry in which the privately held companies operate. The following table details our total capital commitments, unfunded capital commitments, and our ownership percentage in each fund at December 31, 2013:

Our Ownership in Venture Capital/Private Equity Funds  (dollars in thousands)	SVBFG Capital Commitments		SVBFG Unfunded     Commitments		SVBFG Ownership   of each Fund (4)
Silicon Valley BancVentures, LP	$	6,000	$	270	10.7	%
SVB Capital Partners II, LP (1)	1,200		162		5.1
SVB Capital Shanghai Yangpu Venture Capital Fund	949		163		6.8
SVB Strategic Investors Fund, LP	15,300		688		12.6
SVB Strategic Investors Fund II, LP	15,000		1,050		8.6
SVB Strategic Investors Fund III, LP	15,000		1,688		5.9
SVB Strategic Investors Fund IV, LP	12,239		3,060		5.0
Strategic Investors Fund V Funds	515		330		Various
Strategic Investors Fund VI Funds	500		483		0.2
SVB Capital Preferred Return Fund, LP	12,688		—		20.0
SVB Capital—NT Growth Partners, LP	24,670		1,340		33.0
Other private equity fund (2)	9,338		—		58.2
Partners for Growth, LP	25,000		9,750		50.0
Debt funds (equity method accounting)	65,417		4,950		Various
Other fund investments (3)	303,186		47,037		Various
Total	$	507,002	$	70,971

(1) Our ownership includes direct ownership of 1.3 percent and indirect ownership of 3.8 percent through our investment in SVB Strategic Investors Fund II, LP.

(2) Our ownership includes direct ownership of 41.5 percent and indirect ownership interests of 12.6 percent and 4.1 percent in the fund through our ownership interest of SVB Capital - NT Growth Partners, LP and SVB Capital Preferred Return Fund, LP, respectively.

(3) Represents commitments to 293 funds (primarily venture capital funds) where our ownership interest is generally less than 5 percent of the voting interests of each such fund.

(4) We are subject to the Volcker Rule which restricts or limits us from sponsoring or having ownership interests in “covered” funds including venture capital and private equity funds. See “Business - Supervision and Regulation” under Item 1 of Part I of this report.

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The following table details the amounts of remaining unfunded commitments to venture capital and private equity funds by our consolidated managed funds of funds (including our interest and the noncontrolling interests) at December 31, 2013:

Limited Partnership  (Dollars in thousands)	Unfunded     Commitments
SVB Strategic Investors Fund, LP	$	2,266
SVB Strategic Investors Fund II, LP	7,251
SVB Strategic Investors Fund III, LP	22,996
SVB Strategic Investors Fund IV, LP	61,526
Strategic Investors Fund V Funds	231,033
Strategic Investors Fund VI Funds	76,906
SVB Capital Preferred Return Fund, LP	10,309
SVB Capital—NT Growth Partners, LP	12,060
Other private equity fund	3,792
Total	$	428,139

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18. Fair Value of Financial Instruments

Fair Value Measurements

Our available-for-sale securities, derivative instruments and certain non-marketable, marketable and other securities are financial instruments recorded at fair value on a recurring basis. We make estimates regarding valuation of assets and liabilities measured at fair value in preparing our consolidated financial statements.

The following fair value hierarchy table presents information about our assets and liabilities that are measured at fair value on a recurring basis as of December 31, 2013:

(Dollars in thousands)	Level 1		Level 2		Level 3		Balance at December 31, 2013
Assets
Available-for-sale securities:
U.S. treasury securities	$	—	$	—	$	—	$	—
U.S. agency debentures	—		4,345,232		—		4,345,232
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	—		2,473,576		—		2,473,576
Agency-issued collateralized mortgage obligations -    fixed rate	—		3,325,758		—		3,325,758
Agency-issued collateralized mortgage obligations -    variable rate	—		1,186,573		—		1,186,573
Agency-issued commercial mortgage-backed securities	—		564,604		—		564,604
Municipal bonds and notes	—		86,027		—		86,027
Equity securities	3,732		1,319		—		5,051
Total available-for-sale securities	3,732		11,983,089		—		11,986,821
Non-marketable and other securities (fair value accounting):
Non-marketable securities:
Venture capital and private equity fund investments	—		—		862,972		862,972
Other venture capital investments	—		—		32,839		32,839
Other securities	2,125		—		319,249		321,374
Total non-marketable and other securities (fair value accounting)	2,125		—		1,215,060		1,217,185
Other assets:
Marketable securities	—		—		—		—
Interest rate swaps	—		6,492		—		6,492
Foreign exchange forward and option contracts	—		15,530		—		15,530
Equity warrant assets	—		3,622		99,891		103,513
Loan conversion options	—		314		—		314
Client interest rate derivatives	—		1,265		—		1,265
Total assets (1)	$	5,857	$	12,010,312	$	1,314,951	$	13,331,120
Liabilities
Foreign exchange forward and option contracts	$	—	$	12,617	$	—	$	12,617
Client interest rate derivatives	—		1,396		—		1,396
Total liabilities	$	—	$	14,013	$	—	$	14,013

(1) Included in Level 1 and Level 3 assets are $2 million and $1 billion, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

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The following fair value hierarchy table presents information about our assets and liabilities that are measured at fair value on a recurring basis as of December 31, 2012:

(Dollars in thousands)	Level 1		Level 2		Level 3		Balance at December 31, 2012
Assets
Available-for-sale securities:
U.S. treasury securities	$	—	$	25,247	$	—	$	25,247
U.S. agency debentures	—		3,447,628		—		3,447,628
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	—		1,473,433		—		1,473,433
Agency-issued collateralized mortgage obligations -     fixed rate	—		4,103,974		—		4,103,974
Agency-issued collateralized mortgage obligations -     variable rate	—		1,772,748		—		1,772,748
Agency-issued commercial mortgage-backed securities	—		422,098		—		422,098
Municipal bonds and notes	—		93,529		—		93,529
Equity securities	4,520		—		—		4,520
Total available-for-sale securities	4,520		11,338,657		—		11,343,177
Non-marketable and other securities (fair value accounting):
Non-marketable securities:
Venture capital and private equity fund investments	—		—		665,921		665,921
Other venture capital investments	—		—		127,091		127,091
Other securities	—		—		—		—
Total non-marketable and other securities (fair value accounting)	—		—		793,012		793,012
Other assets:
Marketable securities	1,144		9,184		—		10,328
Interest rate swaps	—		9,005		—		9,005
Foreign exchange forward and option contracts	—		13,541		—		13,541
Equity warrant assets	—		8,143		66,129		74,272
Loan conversion options	—		890		—		890
Client interest rate derivatives	—		558		—		558
Total assets (1)	$	5,664	$	11,379,978	$	859,141	$	12,244,783
Liabilities
Foreign exchange forward and option contracts	$	—	$	12,847	$	—	$	12,847
Client interest rate derivatives	—		590		—		590
Total liabilities	$	—	$	13,437	$	—	$	13,437

(1) Included in Level 1, Level 2, and Level 3 assets are $1 million, $9 million and $708 million, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

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The following table presents additional information about Level 3 assets measured at fair value on a recurring basis for 2013, 2012 and 2011, respectively:

(Dollars in thousands)	Beginning Balance		Total Realized and Unrealized Gains, net Included in Income		Purchases		Sales			Issuances		Distributions and Other Settlements			Transfers Into Level 3		Transfers Out of Level 3			Ending Balance
Year ended December 31, 2013:
Non-marketable and other securities (fair value accounting):
Venture capital and private equity fund investments	$	665,921	$	169,219	$	146,564	$	—		$	—	$	(118,732	)	$	—	$	—		$	862,972
Other venture capital investments (3)	127,091		5,745		2,712		(1,224		)	—		(97,924		)	—		(3,561		)	32,839
Other securities (fair value accounting) (3)	—		222,368		—		—			—		96,881			—		—			319,249
Total non-marketable and other securities (fair value accounting) (1)	793,012		397,332		149,276		(1,224		)	—		(119,775		)	—		(3,561		)	1,215,060
Other assets:
Equity warrant assets (2)	66,129		22,929		—		(16,680		)	9,098		1,540			24,217		(7,342		)	99,891
Total assets	$	859,141	$	420,261	$	149,276	$	(17,904	)	$	9,098	$	(118,235	)	$	24,217	$	(10,903	)	$	1,314,951
Year ended December 31, 2012:
Non-marketable and other securities (fair value accounting):
Venture capital and private equity fund investments	$	611,824	$	44,283	$	122,238	$	—		$	—	$	(112,424	)	$	—	$	—		$	665,921
Other venture capital investments	124,121		46,711		13,123		(9,716		)	—		(39,558		)	—		(7,590		)	127,091
Other investments	987		21		—		—			—		(1,008		)	—		—			—
Total non-marketable and other securities (fair value accounting) (1)	736,932		91,015		135,361		(9,716		)	—		(152,990		)	—		(7,590		)	793,012
Other assets:
Equity warrant assets (2)	63,030		13,697		—		(21,077		)	11,978		(78		)	—		(1,421		)	66,129
Total assets	$	799,962	$	104,712	$	135,361	$	(30,793	)	$	11,978	$	(153,068	)	$	—	$	(9,011	)	$	859,141
Year ended December 31, 2011:
Non-marketable and other securities (fair value accounting):
Venture capital and private equity fund investments	$	391,247	$	119,164	$	156,498	$	—		$	—	$	(55,085	)	$	—	$	—		$	611,824
Other venture capital investments	111,843		25,794		13,981		(27,513		)	—		16			—		—			124,121
Other investments	981		24		—		—			—		(18		)	—		—			987
Total non-marketable and other securities (fair value accounting) (1)	504,071		144,982		170,479		(27,513		)	—		(55,087		)	—		—			736,932
Other assets:
Equity warrant assets (2)	43,537		31,958		—		(25,534		)	13,849		(63		)	—		(717		)	63,030
Total assets	$	547,608	$	176,940	$	170,479	$	(53,047	)	$	13,849	$	(55,150	)	$	—	$	(717	)	$	799,962

(1) Realized and unrealized gains (losses) are recorded on the line items “gains on investment securities, net”, and “other noninterest income”, components of noninterest income.

(2) Realized and unrealized gains are recorded on the line item “gains on derivative instruments, net”, a component of noninterest income.

(3) Includes total unrealized valuation gains of $219 million attributable to two of our portfolio companies, FireEye and Twitter.

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The following table presents the amount of unrealized gains (losses) included in earnings (which is inclusive of noncontrolling interest) attributable to Level 3 assets still held at December 31, 2013:

	Year ended December 31,
(Dollars in thousands)	2013		2012
Non-marketable and other securities (fair value accounting):
Venture capital and private equity fund investments	$	168,567	$	46,859
Other venture capital investments (1)	6,207		56,233
Other securities (1)	222,368		—
Total non-marketable and other securities (fair value accounting) (2)	397,142		103,092
Other assets:
Equity warrant assets (3)	30,579		21
Total unrealized gains, net	$	427,721	$	103,113
Unrealized gains attributable to noncontrolling interests	$	346,954	$	91,703

(1) Includes total unrealized valuation gains of $219 million attributable to two of our portfolio companies, FireEye and Twitter.

(2) Unrealized gains are recorded on the line items “gains on investment securities, net”, and “other noninterest income”, components of noninterest income.

(3) Unrealized gains are recorded on the line item “gains on derivative instruments, net”, a component of noninterest income.

The extent to which any unrealized gains will become realized is subject to a variety of factors, including, among other things, the expiration of current sales restrictions to which these securities are subject, the actual sales of securities and the timing of such actual sales. Both FireEye and Twitter are each subject to a lock-up agreement.

The following table presents quantitative information about the significant unobservable inputs used for certain of our Level 3 fair value measurements at December 31, 2013. We have not included in this table our venture capital and private equity fund investments (fair value accounting) as we use net asset value per share (as obtained from the general partners of the investments) as a practical expedient to determine fair value.

(Dollars in thousands)	Fair Value		Valuation Technique	Significant Unobservable Inputs	Weighted  Average
December 31, 2013:
Other venture capital investments (fair value accounting)	$	32,839	Private company equity pricing	(1)	(1)
Other securities	319,249		Modified stock price	Sales restrictions discount (2)	12.0	%
Equity warrant assets (public portfolio)	24,217		Modified Black-Scholes option pricing model	Volatility	41.3	%
				Risk-Free interest rate	1.7	%
				Sales restrictions discount (2)	13.7	%
Equity warrant assets (private portfolio)	75,674		Modified Black-Scholes option pricing model	Volatility	40.1	%
				Risk-Free interest rate	0.8	%
				Marketability discount (3)	22.5	%
				Remaining life assumption (4)	45.0	%
December 31, 2012:
Other venture capital investments (fair value accounting)	127,091		Private company equity pricing	(1)	(1)
Equity warrant assets (private portfolio)	66,129		Modified Black-Scholes option pricing model	Volatility	45.2	%
				Risk-Free interest rate	0.4	%
				Marketability discount (3)	22.5	%
				Remaining life assumption (4)	45.0	%

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(1) In determining the fair value of our other venture capital investment portfolio, we evaluate a variety of factors related to each underlying private portfolio company including, but not limited to, actual and forecasted results, cash position, recent or planned transactions and market comparable companies. Additionally, we have ongoing communication with the portfolio companies and venture capital fund managers, to determine whether there is a material change in fair value. These factors are specific to each portfolio company and a weighted average or range of values of the unobservable inputs is not meaningful.

(2) We adjust quoted market prices of public companies which are subject to certain sales restrictions. Sales restriction discounts generally range from 10 percent to 20 percent depending on the duration of the sales restrictions which typically range from 3 to 6 months.

(3) Our marketability discount is applied to all private company warrants to account for a general lack of liquidity due to the private nature of the associated underlying company. The quantitative measure used is based on long-run averages and is influenced over time by various factors, including market conditions. On a quarterly basis, a sensitivity analysis is performed on our marketability discount.

(4) We adjust the contractual remaining term of private company warrants based on our best estimate of the actual remaining life, which we determine by utilizing historical data on cancellations and exercises. At December 31, 2013, the weighted average contractual remaining term was 6.3 years, compared to our estimated remaining life of 2.8 years. On a quarterly basis, a sensitivity analysis is performed on our remaining life assumption.

During 2013, there were no transfers between Level 2 and Level 1, compared to transfers of $3.1 million and $3.9 million from Level 2 to Level 1 in 2012 and 2011, respectively. During 2013, a new sales restriction discount was applied to the valuation of public equity warrant assets, which were subject to certain sales restrictions. The application of this discount resulted in a transfer of $24.2 million of public equity warrant assets from Level 2 to Level 3. Transfers from Level 3 to Level 2 during 2013 and 2012 included $3.6 million and $7.6 million, respectively, as a result of the expiration of lock-up, and other sales, restrictions on certain of our other venture capital investments.

All other transfers from Level 3 to Level 2 during 2013, 2012 and 2011 were due to the transfer of equity warrant assets from our private portfolio to our public portfolio (See our Level 3 reconciliation above). All amounts reported as transfers represent the fair value as of the date of the change in circumstances that caused the transfer.

Financial Instruments not Carried at Fair Value

FASB guidance over financial instruments requires that we disclose estimated fair values for our financial instruments not carried at fair value. Fair value estimates, methods and assumptions, set forth below for our financial instruments, are made solely to comply with these requirements.

Fair values are based on estimates or calculations at the transaction level using present value techniques in instances where quoted market prices are not available. Because broadly traded markets do not exist for many of our financial instruments, the fair value calculations attempt to incorporate the effect of current market conditions at a specific time. The aggregation of the fair value calculations presented herein does not represent, and should not be construed to represent, the underlying value of the Company.

The following describes the methods and assumptions used in estimating the fair values of financial instruments, excluding financial instruments already recorded at fair value as described above.

Cash and Cash Equivalents

Cash and cash equivalents include cash on hand, cash balances due from banks, interest-earning deposits, securities purchased under agreement to resell and other short-term investment securities. The carrying amount is a reasonable estimate of fair value because of the insignificant risk of changes in fair value due to changes in market interest rates, and the instruments are purchased in conjunction with our cash management activities.

Non-Marketable and Other Securities (Cost and Equity Method Accounting)

Non-marketable and other securities includes other investments (equity method accounting), low income housing tax credit funds (equity method accounting), venture capital and private equity fund investments (cost method accounting), and other venture capital investments (cost method accounting). Other investments (equity method accounting) includes our investment in SPD-SVB, our joint venture bank in China. At this time, the carrying value of our investment in SPD-SVB is a reasonable estimate of fair value. The fair value of the remaining other investments (equity method accounting) and the fair value of venture capital and private equity fund investments (cost method accounting) and other venture capital investments (cost method

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accounting) is based on financial information obtained from the investee or obtained from the fund investments’ or debt fund investments’ respective general partners. For private company investments, estimated fair value is based on consideration of a range of factors including, but not limited to, the price at which the investment was acquired, the term and nature of the investment, local market conditions, values for comparable securities, current and projected operating performance, exit strategies, and financing transactions subsequent to the acquisition of the investment. For our fund investments, we utilize the net asset value per share as obtained from the general partners of the investments. We adjust the net asset value per share for differences between our measurement date and the date of the fund investment’s net asset value by using the most recently available financial information from the investee general partner, for example September 30^th, for our December 31^st consolidated financial statements, adjusted for any contributions paid, distributions received from the investment, and significant fund transactions or market events during the reporting period. The carrying value of our low income housing tax credit funds (equity method accounting) is a reasonable estimate of fair value.

Loans

The fair value of fixed and variable rate loans is estimated by discounting contractual cash flows using rates that reflect current pricing for similar loans and the projected forward yield curve. This method is not based on the exit price concept of fair value required under ASC 820, Fair Value Measurements and Disclosures.

FHLB and FRB stock

Investments in FHLB and FRB stock are recorded at cost. The carrying amounts of these investments are reasonable estimates of fair value because the securities are restricted to member banks and they do not have a readily determinable market value.

Accrued Interest Receivable and Payable

The carrying amounts of accrued interest receivable and payable are reasonable estimates of fair value due to the short-term nature of these balances.

Deposits

The fair value of deposits with no stated maturity, such as noninterest-bearing demand deposits, interest-bearing checking accounts, money market accounts and interest-bearing sweep deposits is equal to the amount payable on demand at the measurement date. The fair value of time deposits is estimated by discounting the cash flows using our cost of borrowings and the projected forward yield curve over their remaining contractual term.

Short-Term Borrowings

Short-term borrowings at both December 31, 2013 and 2012 included federal funds purchased and cash collateral received from our counterparty for our interest rate swap agreement related to our 6.05% Subordinated Notes. Short-term borrowings at December 31, 2012 also included federal funds purchased. The carrying amounts of our federal funds purchased is a reasonable estimate of fair value because of the relatively short time between the origination of the instrument and its contractual maturity. The carrying amount of the cash collateral is a reasonable estimate of fair value.

Long-Term Debt

Long-term debt at December 31, 2013 and 2012 included our 5.375% Senior Notes, 7.0% Junior Subordinated Debentures and 6.05% Subordinated Notes. The fair value of long-term debt is generally based on quoted market prices, when available, or is estimated based on calculations utilizing third-party pricing services and current market spread, price indications from reputable dealers or observable market prices of the underlying instrument(s), whichever is deemed more reliable. Also included in the estimated fair value of our 6.05% Subordinated Notes are amounts related to hedge accounting associated with the notes.

Off-Balance Sheet Financial Instruments

The fair value of net available commitments to extend credit is estimated based on the average amount we would receive or pay to execute a new agreement with identical terms and pricing, while taking into account the counterparties’ credit standing.

Letters of credit are carried at their fair value, which is equivalent to the residual premium or fee at December 31, 2013 and 2012. Commitments to extend credit and letters of credit typically result in loans with a market interest rate if funded.

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The following fair value hierarchy table presents the estimated fair values of our financial instruments that are not carried at fair value at December 31, 2013 and 2012:

			Estimated Fair Value
(Dollars in thousands)	Carrying Amount		Level 1		Level 2		Level 3
December 31, 2013:
Financial assets:
Cash and cash equivalents	$	1,538,779	$	1,538,779	$	—	$	—
Non-marketable and other securities (cost and equity method accounting)	378,309		—		—		447,783
Net commercial loans	9,796,878		—		—		9,935,917
Net consumer loans	966,622		—		—		1,005,080
FHLB and FRB stock	40,632		—		—		40,632
Accrued interest receivable	67,772		—		67,772		—
Financial liabilities:
Federal funds purchased	—		—		—		—
Other short-term borrowings	5,080		5,080		—		—
Non-maturity deposits (1)	22,259,119		22,259,119		—		—
Time deposits	213,860		—		213,874		—
5.375% Senior Notes	348,209		—		383,782		—
6.05% Subordinated Notes (2)	51,987		—		56,297		—
7.0% Junior Subordinated Debentures	55,020		—		51,915		—
Accrued interest payable	6,858		—		6,858		—
Off-balance sheet financial assets:
Commitments to extend credit	—		—		—		24,285
December 31, 2012:
Financial assets:
Cash and cash equivalents	$	1,008,983	$	1,008,983	$	—	$	—
Non-marketable and other securities (cost and equity method accounting)	391,253		—		—		425,741
Net commercial loans	8,013,563		—		—		8,180,597
Net consumer loans	822,719		—		—		860,772
FHLB and FRB stock	39,806		—		—		39,806
Accrued interest receivable	64,167		—		64,167		—
Financial liabilities:
Federal funds purchased	160,000		160,000		—		—
Other short-term borrowings	6,110		6,110		—		—
Non-maturity deposits (1)	19,021,264		19,021,264		—		—
Time deposits	155,188		—		155,027		—
5.375% Senior Notes	347,995		—		393,701		—
6.05% Subordinated Notes (2)	54,571		—		61,639		—
7.0% Junior Subordinated Debentures	55,196		—		51,959		—
Accrued interest payable	6,494		—		6,494		—
Off-balance sheet financial assets:
Commitments to extend credit	—		—		—		20,562

(1) Includes noninterest-bearing demand deposits, interest-bearing checking accounts, money market accounts and interest-bearing sweep deposits.

(2) At December 31, 2013 and 2012, included in the carrying value and estimated fair value of our 6.05% Subordinated Notes was $6.5 million and $9.0 million, respectively, related to hedge accounting associated with the notes.

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Investments in Entities that Calculate Net Asset Value Per Share

FASB guidance over certain fund investments requires that we disclose the fair value of funds, significant investment strategies of the investees, redemption features of the investees, restrictions on the ability to sell investments, estimate of the period of time over which the underlying assets are expected to be liquidated by the investee, and unfunded commitments related to the investments.

Our investments in debt funds and venture capital and private equity fund investments generally cannot be redeemed. Alternatively, we expect distributions, if any, to be received primarily through IPOs and M&A activity of the underlying assets of the fund. We currently do not have any plans to sell any of these fund investments. If we decide to sell these investments in the future, the investee fund’s management must approve of the buyer before the sale of the investments can be completed. The fair values of the fund investments have been estimated using the net asset value per share of the investments, adjusted for any differences between our measurement date and the date of the fund investment’s net asset value by using the most recently available financial information from the investee general partner, for example September 30^th, for our December 31^st consolidated financial statements, adjusted for any contributions paid, distributions received from the investment, and significant fund transactions or market events during the reporting period.

The following table is a summary of the estimated fair values of these investments and remaining unfunded commitments for each major category of these investments as of December 31, 2013:

(Dollars in thousands)	Carrying Amount		Fair Value		Unfunded Commitments
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments (1)	$	862,972	$	862,972	$	428,139
Non-marketable securities (equity method accounting):
Other investments (2)	53,019		54,544		15,436
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments (3)	148,994		214,554		35,345
Total	$	1,064,985	$	1,132,070	$	478,920

(1) Venture capital and private equity fund investments within non-marketable and other securities (fair value accounting) include investments made by our managed funds of funds and one of our direct venture funds. These investments represent investments in venture capital and private equity funds that invest primarily in U.S. and global technology and life sciences companies. Included in the fair value and unfunded commitments of fund investments under fair value accounting are $786 million and $422 million, respectively, attributable to noncontrolling interests. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds and any potential extensions of terms of the funds.

(2) Other investments within non-marketable securities (equity method accounting) include investments in debt funds and venture capital and private equity fund investments that invest in or lend money to primarily U.S. and global technology and life sciences companies. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds.

(3) Venture capital and private equity fund investments within non-marketable securities (cost method accounting) include investments in venture capital and private equity fund investments that invest primarily in U.S. and global technology and life sciences companies. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds and any potential extensions of the terms of the funds.

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19. Regulatory Matters

The Company and the Bank are subject to various regulatory capital adequacy requirements administered by the Federal Reserve Board and the California Department of Financial Institutions (“DFI”). The Federal Deposit Insurance Corporation Improvement Act of 1991 (“FDICIA”) required that the federal regulatory agencies adopt regulations defining five capital categories for banks: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on our consolidated financial statements.

Quantitative measures, established by the regulators to ensure capital adequacy, require that SVB Financial Group and the Bank maintain minimum ratios (set forth in the table below) of capital to risk-weighted assets. There are three categories of capital under the guidelines. Tier 1 capital includes common stockholders' equity (excluding any net unrealized gains or losses, after applicable taxes, on available-for-sale securities), qualifying preferred stock and trust preferred securities, less goodwill and certain other deductions (including the net unrealized losses, after applicable taxes, on available-for-sale equity securities carried at fair value). At least 50 percent of the qualifying total capital should consist of Tier 1 capital. Components of Tier 2 capital include preferred stock not qualifying as Tier 1 capital, qualifying subordinated debt, the allowance for credit losses, up to a maximum of 1.25 percent of risk-weighted assets and unrealized gains on available-for-sale equity securities, subject to limitations set by the guidelines. Tier 3 capital includes certain qualifying unsecured subordinated debt. We did not have any Tier 3 capital as of December 31, 2013 and 2012.

As of December 31, 2013, both SVB Financial and the Bank were considered “well-capitalized” for regulatory purposes under existing capital guidelines.  There are no conditions or events since that date that management believes would have a material impact on that capital category.

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The following table presents the capital ratios for the Company and the Bank under federal regulatory guidelines, compared to the minimum regulatory capital requirements for an adequately capitalized and a well capitalized depository institution, as of December 31, 2013 and 2012:

	Capital Ratios						Capital Amounts
(Dollars in thousands)	Actual		Well Capitalized Minimum		Adequately Capitalized Minimum		Actual		Well Capitalized Minimum		Adequately Capitalized Minimum
December 31, 2013:
Total risk-based capital:
SVB Financial	13.13	%	10.0	%	8.0	%	$	2,218,996	$	1,690,150	$	1,352,120
Bank	11.32		10.0		8.0		1,880,254		1,661,287		1,329,030
Tier 1 risk-based capital:
SVB Financial	11.94		6.0		4.0		2,018,455		1,014,090		676,060
Bank	10.11		6.0		4.0		1,680,212		996,772		664,515
Tier 1 leverage:
SVB Financial	8.31		N/A		4.0		2,018,455		N/A		972,130
Bank	7.04		5.0		4.0		1,680,212		1,194,012		955,210
December 31, 2012:
Total risk-based capital:
SVB Financial	14.05	%	10.0	%	8.0	%	$	1,901,672	$	1,353,298	$	1,082,639
Bank	12.53		10.0		8.0		1,650,732		1,317,789		1,054,231
Tier 1 risk-based capital:
SVB Financial	12.79		6.0		4.0		1,730,866		811,979		541,319
Bank	11.24		6.0		4.0		1,481,571		790,673		527,115
Tier 1 leverage:
SVB Financial	8.06		N/A		4.0		1,730,866		N/A		859,057
Bank	7.06		5.0		4.0		1,481,571		1,049,750		839,800

20. Segment Reporting

We have three reportable segments for management reporting purposes: Global Commercial Bank, SVB Private Bank and SVB Capital. The results of our operating segments are based on our internal management reporting process.

Our operating segments’ primary source of revenue is from net interest income, which is primarily the difference between interest earned on loans, net of funds transfer pricing (“FTP”), and interest paid on deposits, net of FTP. Accordingly, our segments are reported using net interest income, net of FTP. FTP is an internal measurement framework designed to assess the financial impact of a financial institution’s sources and uses of funds. It is the mechanism by which an earnings credit is given for deposits raised, and an earnings charge is made for funded loans. FTP is calculated at an instrument level based on account characteristics.

We also evaluate performance based on provision for loan losses, noninterest income and noninterest expense, which are presented as components of segment operating profit or loss. In calculating each operating segment’s noninterest expense, we consider the direct costs incurred by the operating segment as well as certain allocated direct costs. As part of this review, we allocate certain corporate overhead costs to a corporate account. We do not allocate income taxes to our segments. Additionally, our management reporting model is predicated on average asset balances; therefore, period-end asset balances are not presented for segment reporting purposes. Changes in an individual client’s primary relationship designation have resulted, and in the future may result, in the inclusion of certain clients in different segments in different periods.

Unlike financial reporting, which benefits from the comprehensive structure provided by GAAP, our internal management reporting process is highly subjective, as there is no comprehensive, authoritative guidance for management reporting. Our management reporting process measures the performance of our operating segments based on our internal operating structure,

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which is subject to change from time to time, and is not necessarily comparable with similar information for other financial services companies.

The following is a description of the services that our three reportable segments provide (for further description of these reportable segments, refer to "Business–Business Overview" under Part I, Item 1 of this report):

• Global Commercial Bank provides solutions to the financial needs of commercial clients through lending, deposit products, cash management services, and global banking and trade products and services. It also serves the needs of our non-U.S. clients with global banking products, including loans, deposits and global finance, in key foreign entrepreneurial markets, where applicable. Our Global Commercial Bank segment is comprised of results from our Commercial Bank, and also includes SVB Specialty Lending, SVB Analytics and our Debt Fund Investments.

• SVB Private Bank provides banking products and a range of credit services primarily to venture capital/private equity professionals using both long-term secured and short-term unsecured lines of credit.

• SVB Capital is the venture capital investment arm of SVBFG, which focuses primarily on funds management. SVB Capital manages funds (primarily venture capital funds) on behalf of third party limited partners and SVB Financial Group. The SVB Capital family of funds is comprised of funds of funds and direct venture funds. SVB Capital generates income for the Company primarily through management fees, carried interest arrangements and returns through the Company’s investments in the funds.

The summary financial results of our operating segments are presented along with a reconciliation to our consolidated results. The Other Items column reflects the adjustments necessary to reconcile the results of the operating segments to the consolidated financial statements prepared in conformity with GAAP. Noninterest income in the Other Items column is primarily attributable to noncontrolling interests and gains on equity warrant assets. Noninterest expense in the Other Items column primarily consists of expenses associated with corporate support functions such as finance, human resources, marketing, legal and other expenses. Additionally, average assets in the Other Items column primarily consists of cash and cash equivalents.

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Our segment information for 2013, 2012 and 2011 is as follows:

(Dollars in thousands)	Global Commercial Bank (1)			SVB Private   Bank			SVB Capital (1)			Other Items			Total
Year ended December 31, 2013
Net interest income	$	643,016		$	26,701		$	20		$	27,607		$	697,344
(Provision for) reduction of loan losses	(65,290		)	1,597			—			—			(63,693		)
Noninterest income	202,404			1,209			75,037			394,556			673,206
Noninterest expense (2)	(436,327		)	(15,916		)	(10,737		)	(158,700		)	(621,680		)
Income before income tax expense (3)	$	343,803		$	13,591		$	64,320		$	263,463		$	685,177
Total average loans, net of unearned income	$	8,472,045		$	919,831		$	—		$	(40,498	)	$	9,351,378
Total average assets (4)	21,388,037			959,214			289,328			574,168			23,210,747
Total average deposits	19,072,921			524,398			—			21,875			19,619,194
Year ended December 31, 2012
Net interest income	$	595,133		$	21,807		$	15		$	909		$	617,864
(Provision for) reduction of loan losses	(45,417		)	1,087			—			—			(44,330		)
Noninterest income	188,842			681			27,435			118,588			335,546
Noninterest expense (2)	(398,438		)	(13,651		)	(11,263		)	(122,646		)	(545,998		)
Income (loss) before income tax expense (3)	$	340,120		$	9,924		$	16,187		$	(3,149	)	$	363,082
Total average loans, net of unearned income	$	6,790,332		$	758,471		$	—		$	10,125		$	7,558,928
Total average assets (4)	19,522,306			763,186			239,335			786,345			21,311,172
Total average deposits	17,575,060			313,836			—			21,192			17,910,088
Year ended December 31, 2011
Net interest income (loss)	$	519,145		$	19,529		$	10		$	(12,407	)	$	526,277
Provision for loan losses	(13,494		)	7,393			—			—			(6,101		)
Noninterest income	150,116			516			27,358			204,342			382,332
Noninterest expense (2)	(352,458		)	(10,174		)	(13,079		)	(124,917		)	(500,628		)
Income before income tax expense (3)	$	303,309		$	17,264		$	14,289		$	67,018		$	401,880
Total average loans, net of unearned income	$	5,111,086		$	658,175		$	—		$	45,810		$	5,815,071
Total average assets (4)	17,103,883			658,797			226,423			681,396			18,670,499
Total average deposits	15,364,804			186,604			—			17,393			15,568,801

(1) Global Commercial Bank’s and SVB Capital’s components of net interest income, noninterest income, noninterest expense and total average assets are shown net of noncontrolling interest for all periods presented. Noncontrolling interest is included within "Other Items".

(2) The Global Commercial Bank segment includes direct depreciation and amortization of $21.3 million, $16.3 million and $12.0 million for 2013, 2012 and 2011, respectively.

(3) The internal reporting model used by management to assess segment performance does not calculate income tax expense by segment. Our effective tax rate is a reasonable approximation of the segment rates.

(4) Total average assets equals the greater of total average assets or the sum of total liabilities and total stockholders’ equity for each segment.

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21.Parent Company Only Condensed Financial Information

The condensed balance sheets of SVB Financial at December 31, 2013 and 2012, and the related condensed statements of income, comprehensive income and cash flows for 2013, 2012 and 2011, are presented below.

Condensed Balance Sheets

	December 31,
(Dollars in thousands)	2013		2012
Assets:
Cash and cash equivalents	$	218,148	$	169,067
Investment securities	234,398		252,858
Net loans	4,791		8,869
Other assets	136,897		116,596
Investment in subsidiaries:
Bank subsidiary	1,639,024		1,592,987
Nonbank subsidiaries	160,271		115,427
Total assets	$	2,393,529	$	2,255,804
Liabilities and SVBFG stockholders’ equity:
5.375% Senior Notes	$	348,209	$	347,995
7.0% Junior Subordinated Debentures	55,020		55,196
Other liabilities	24,030		22,058
Total liabilities	427,259		425,249
SVBFG stockholders’ equity	1,966,270		1,830,555
Total liabilities and SVBFG stockholders’ equity	$	2,393,529	$	2,255,804

Condensed Statements of Income

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Interest income	$	3,545		$	3,282		$	2,819
Interest expense	(24,408		)	(23,037		)	(27,252		)
Dividend income from bank subsidiary	10,000			—			—
Gains on derivative instruments, net	47,421			17,289			34,654
Gains on investment securities, net	15,238			15,329			16,432
General and administrative expenses	(54,389		)	(66,812		)	(71,355		)
Income tax (expense) benefit	(15,824		)	12,200			7,468
Loss before net income of subsidiaries	(18,417		)	(41,749		)	(37,234		)
Equity in undistributed net income of nonbank subsidiaries	58,075			21,457			20,013
Equity in undistributed net income of bank subsidiary	176,195			195,395			189,123
Net income available to common stockholders	$	215,853		$	175,103		$	171,902

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Condensed Statements of Comprehensive Income

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Net income available to common stockholders	$	215,853		$	175,103		$	171,902
Other comprehensive (loss) income, net of tax:
Foreign currency translation losses	(3,128		)	(114		)	(4,929		)
Unrealized holding (losses) gains on securities available for sale	(1,449		)	2,074			(319		)
Equity in other comprehensive (loss) income of subsidiaries	(152,740		)	21,194			66,504
Other comprehensive (loss) income, net of tax	(157,317		)	23,154			61,256
Total comprehensive income	$	58,536		$	198,257		$	233,158

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Condensed Statements of Cash Flows

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Cash flows from operating activities:
Net income attributable to SVBFG	$	215,853		$	175,103		$	171,902
Adjustments to reconcile net income to net cash used for operating activities:
Gains on derivative instruments, net	(47,421		)	(17,289		)	(34,654		)
Gains on investment securities, net	(15,238		)	(15,329		)	(16,432		)
Net income of bank subsidiary	(186,195		)	(195,395		)	(189,123		)
Net income on nonbank subsidiaries	(58,075		)	(21,457		)	(20,013		)
Cash dividends from bank subsidiary	10,000			—			—
Amortization of share-based compensation	25,413			21,861			18,221
(Increase) decrease in other assets	(11,901		)	5,463			21,926
Increase in other liabilities	1,506			3,952			2,936
Other, net	(1,269		)	2,273			2,510
Net cash used for operating activities	(67,327		)	(40,818		)	(42,727		)
Cash flows from investing activities:
Net decrease (increase) in investment securities from purchases, sales and maturities	70,479			11,833			(22,821		)
Net decrease (increase) in loans	4,078			2,034			(4,211		)
(Increase) decrease in investment in bank subsidiary	(21,469		)	12,180			(12,592		)
Decrease (increase) in investment in nonbank subsidiaries	9,925			13,012			(3,161		)
Net cash provided by (used for) investing activities	63,013			39,059			(42,785		)
Cash flows from financing activities:
Principal payments of other long-term debt	—			(1,222		)	(4,179		)
Payments for settlement of 3.875% Convertible Notes	—			—			(250,000		)
Tax benefit from stock exercises	6,826			5,581			6,342
Proceeds from issuance of common stock and ESPP	46,569			29,282			36,873
Net cash provided by (used for) financing activities	53,395			33,641			(210,964		)
Net increase (decrease) in cash and cash equivalents	49,081			31,882			(296,476		)
Cash and cash equivalents at beginning of year	169,067			137,185			433,661
Cash and cash equivalents at end of year	$	218,148		$	169,067		$	137,185

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22. Unaudited Quarterly Financial Data

Our supplemental consolidated financial information for each three month period in 2013 and 2012 are as follows:

	Three months ended
(Dollars in thousands, except per share amounts)	March 31,			June 30,			September 30,			December 31,
2013:
Interest income	$	171,014		$	177,983		$	185,240		$	195,384
Interest expense	(7,845		)	(7,902		)	(8,144		)	(8,386		)
Net interest income	163,169			170,081			177,096			186,998
Provision for loan losses	(5,813		)	(18,572		)	(10,638		)	(28,670		)
Noninterest income	78,604			98,239			257,650			238,713
Noninterest expense	(149,014		)	(143,292		)	(160,524		)	(168,850		)
Income before income tax expense	86,946			106,456			263,584			228,191
Income tax expense	26,401			29,968			47,404			35,285
Net income before noncontrolling interests	60,545			76,488			216,180			192,906
Net income attributable to noncontrolling interests	(19,654		)	(27,904		)	(148,559		)	(134,149		)
Net income available to common stockholders	$	40,891		$	48,584		$	67,621		$	58,757
Earnings per common share—basic	$	0.91		$	1.08		$	1.48		$	1.29
Earnings per common share—diluted	0.90			1.06			1.46			1.27
2012:
Interest income	$	158,774		$	159,818		$	161,958		$	168,168
Interest expense	(7,837		)	(7,884		)	(7,528		)	(7,605		)
Net interest income	150,937			151,934			154,430			160,563
Provision for loan losses	(14,529		)	(7,999		)	(6,788		)	(15,014		)
Noninterest income	59,293			80,426			69,139			126,688
Noninterest expense	(132,012		)	(135,766		)	(135,171		)	(143,049		)
Income before income tax expense	63,689			88,595			81,610			129,188
Income tax expense	23,756			31,517			28,470			29,526
Net income before noncontrolling interests	39,933			57,078			53,140			99,662
Net income attributable to noncontrolling interests	(5,143		)	(9,475		)	(10,851		)	(49,241		)
Net income available to common stockholders	$	34,790		$	47,603		$	42,289		$	50,421
Earnings per common share—basic	$	0.79		$	1.08		$	0.95		$	1.13
Earnings per common share—diluted	0.78			1.06			0.94			1.12

23. Legal Matters

Certain lawsuits and claims arising in the ordinary course of business have been filed or are pending against us or our affiliates. In accordance with applicable accounting guidance, we establish accruals for all lawsuits, claims and expected settlements when we believe it is probable that a loss has been incurred and the amount of the loss is reasonably estimable. When a loss contingency is not both probable and estimable, we do not establish an accrual. Any such loss estimates are inherently uncertain, based on currently available information and are subject to management’s judgment and various assumptions. Due to the inherent subjectivity of these estimates and unpredictability of outcomes of legal proceedings, any amounts accrued may not represent the ultimate resolution of such matters.

To the extent we believe any potential loss relating to such lawsuits and claims may have a material impact on our liquidity, consolidated financial position, results of operations, and/or our business as a whole and is reasonably possible but not probable, we disclose information relating to any such potential loss, whether in excess of any established accruals or where there is no

established accrual. We also disclose information relating to any material potential loss that is probable but not reasonably estimable. Where reasonably practicable, we will provide an estimate of loss or range of potential loss. No disclosures are generally made for any loss contingencies that are deemed to be remote.

Based upon information available to us, our review of lawsuits and claims filed or pending against us to date and consultation with our outside legal counsel, we have not recognized a material accrual liability for these matters, nor do we currently expect it is reasonably possible that these matters will result in a material liability to the Company. However, the outcome of litigation and other legal and regulatory matters is inherently uncertain, and it is possible that one or more of such matters currently pending or threatened could have an unanticipated material adverse effect on our liquidity, consolidated financial position, results of operations, and/or our business as a whole, in the future.

24. Subsequent Events

Update on Securities and Warrant Valuations for the First Quarter of 2014

As previously noted in prior disclosures, SVB and certain equity investment funds managed by SVB Capital, our funds management business, hold warrants as well as direct and indirect investments in FireEye. Since our valuation of those investments as of December 31, 2013, the stock price of FireEye has significantly increased to a closing price of $80.00 as of February 25, 2014 compared to its closing price of $43.61 at December 31, 2013.  Based on this incremental increase in stock price thus far during the first quarter of 2014, and certain sales restrictions, if any, in place at March 31, 2014, we would expect to include in our financial results for the first quarter of 2014 total combined pre-tax gains net of noncontrolling interests from our equity warrant assets and our investment securities of approximately $53 million to $63 million. This is comprised of gains from our equity warrant assets of approximately $13 million and gains net of noncontrolling interests from our investment

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securities of approximately $40 million to $50 million (total gross gains, including noncontrolling interests, would be approximately $200 million to $250 million) for the first quarter of 2014. (This is a non-GAAP financial measure. See reconciliation below.)

Any actual investment gains (or losses) that we would record for the first quarter of 2014 are subject to FireEye’s stock price specifically as of March 31, 2014, which is subject to market conditions and other factors.  Given that it is still early in the first quarter, FireEye’s valuation and its estimated impact on our first quarter 2014 financial results, are subject to change, and actual results may differ. Additionally, these gains are currently unrealized gains, and the extent to which such gains will become realized is subject to a variety of factors, including among other things, the expiration of current lock-up agreements to which the securities are subject, the timing of any actual sales of the securities by us, changes in the valuation of the securities, and market conditions.

The table below sets forth a reconciliation of the non-GAAP financial measure discussed above:

	February 25, 2014
Non-GAAP gains on certain other securities, net of noncontrolling interests (dollars in millions)	With sales restrictions discount		Without sales restrictions discount
GAAP gains on certain other securities	$	200	$	250
Less: income attributable to noncontrolling interests, including carried interest	160		200
Non-GAAP gains on certain other securities, net of controlling interests	$	40	$	50

159

ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

None.

ITEM 9A. CONTROLS AND PROCEDURES

(a) Disclosure Controls and Procedures

Disclosure controls and procedures are the controls and other procedures that are designed to ensure that information required to be disclosed in the reports that the Company files or submits under the Securities Exchange Act of 1934, as amended (the “Exchange Act”) is recorded, processed, summarized, and reported within the time periods specified in the SEC rules and forms. Disclosure controls and procedures include, among other things, processes, controls and procedures designed to ensure that information required to be disclosed in the reports that the Company files or submits under the Exchange Act is accumulated and communicated to management, including the Chief Executive Officer and Chief Financial Officer, as appropriate, to allow timely decisions regarding required disclosure.

The Company carried out an evaluation, under the supervision and with the participation of management, including the Chief Executive Officer and the Chief Financial Officer, of the effectiveness of the design and operation of our disclosure controls and procedures as of December 31, 2013 pursuant to Exchange Act Rule 13a-15b. Based on this evaluation, the Chief Executive Officer and Chief Financial Officer have concluded that the Company's disclosure controls and procedures were effective as of December 31, 2013.

(b) Internal Control Over Financial Reporting

Management is responsible for establishing and maintaining adequate internal control over financial reporting at the Company. Our internal control over financial reporting is a process designed under the supervision of the Chief Executive Officer and the Chief Financial Officer to provide reasonable assurance regarding the reliability of financial reporting and the preparation of the Company's financial statements for external reporting purposes in accordance with GAAP. A company's internal control over financial reporting includes policies and procedures that (1) pertain to the maintenance of records that accurately and fairly reflect, in reasonable detail, transactions and dispositions of the company's assets, (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with GAAP and that receipts and expenditures are being made only in accordance with authorization of management and the directors of the company, and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company's assets that could have a material effect on the Company's financial statements.

Because of its inherent limitations, internal control over financial reporting cannot provide absolute assurance of achieving financial reporting objectives. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

As of December 31, 2013, the Company carried out an assessment, under the supervision and with the participation of the Company's management, including the Company's Chief Executive Officer and Chief Financial Officer, of the effectiveness of the Company's internal control over financial reporting pursuant to Rule 13a-15(c), as adopted by the SEC under the Exchange Act. In evaluating the effectiveness of the Company's internal control over financial reporting, management used the framework established in “Internal Control-Integrated Framework (1992),” issued by the Committee of Sponsoring Organizations of the Treadway Commission (“COSO”). Based on this assessment, management has concluded that, as of December 31, 2013, the Company's internal control over financial reporting was effective.

KPMG LLP, the independent registered public accounting firm that audited and reported on the consolidated financial statements of the Company, has issued an unqualified opinion on the effectiveness of the Company's internal control over financial reporting as of December 31, 2013.

(c)Changes in Internal Control Over Financial Reporting

There were no changes in our internal control over financial reporting identified in management's evaluation during the fourth quarter of the period covered by this Annual Report on Form 10-K that materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

ITEM 9B. OTHER INFORMATION

None.

160

PART III.

ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

The information set forth under the sections titled “Proposal No. 1-Election of Directors,” “Information on Executive Officers,” “Board Committees,” “Section 16(a) Beneficial Ownership Reporting Compliance” and “Corporate Governance Principles and Board Matters” contained in the definitive proxy statement for SVB Financial's 2014 Annual Meeting of Stockholders is incorporated herein by reference.

ITEM 11. EXECUTIVE COMPENSATION

The information set forth under the sections titled “Information on Executive Officers,” “Compensation Discussion and Analysis,” “Compensation for Named Executive Officers,” “Compensation for Directors,” “Compensation Committee Interlocks and Insider Participation” and “Compensation Committee Report” contained in the definitive proxy statement for SVB Financial's 2014 Annual Meeting of Stockholders is incorporated herein by reference.

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT, AND RELATED STOCKHOLDER MATTERS

The information set forth under the sections titled “Security Ownership of Directors and Executive Officers” and “Security Ownership of Principal Stockholders” contained in the definitive proxy statement for SVB Financial's 2014 Annual Meeting of Stockholders is incorporated herein by reference.

Our stockholders have approved each of our active equity compensation plans. The following table provides certain information as of December 31, 2013 with respect to our equity compensation plans:

Plan category	Number of securities to be issued upon exercise of outstanding options, warrants and rights (1)	Weighted-average exercise price of outstanding options, warrants and rights		Number of securities remaining available for future issuance under equity compensation plans (2)
Equity compensation plans approved by stockholders	1,514,159	$	55.27	2,446,053
Equity compensation plans not approved by stockholders	n/a	n/a		n/a
Total	1,514,159	$	55.27	2,446,053

(1) Represents options granted under our 2006 Equity Incentive Plan. This number does not include securities to be issued for unvested restricted stock units of 682,347 shares.

(2) Includes shares available for issuance under our 2006 Equity Incentive Plan and 696,309 shares available for issuance under the 1999 Employee Stock Purchase Plan. This amount excludes securities already granted under our 2006 Equity Incentive Plan (as discussed above).

For additional information concerning our equity compensation plans, refer to Note 4-“Share-Based Compensation” of the “Notes to the Consolidated Financial Statements” under Part II, Item 8 in this report.

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE

The information set forth under the sections titled “Certain Relationships and Related Transactions” and “Corporate Governance Principles and Board Matters-Board Independence, Leadership and Risk Oversight” in the definitive proxy statement for SVB Financial's 2014 Annual Meeting of Stockholders is incorporated herein by reference.

ITEM 14. PRINCIPAL ACCOUNTING FEES AND SERVICES

The information set forth under the section titled “Principal Audit Fees and Services” contained in the definitive proxy statement for SVB Financial's 2014 Annual Meeting of Stockholders is incorporated herein by reference.

161

PART IV.

ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

(a) Financial Statements and Exhibits:

		Page
(1)	Financial Statements.    The following consolidated financial statements of the registrant and its subsidiaries are included in Part II Item 8:
	Report of Independent Registered Public Accounting Firm	86
	Consolidated Balance Sheets as of December 31, 2013 and 2012	87
	Consolidated Statements of Income for the three years ended December 31, 2013	88
	Consolidated Statements of Comprehensive Income for the three years ended December 31, 2013	89
	Consolidated Statements of Stockholders' Equity for the three years ended December 31, 2013	90
	Consolidated Statements of Cash Flows for the three years ended December 31, 2013	91
	Notes to the Consolidated Financial Statements	92
(2)	Financial Statement Schedule.    The consolidated financial statements and supplemental data are contained in Part II Item 8. All schedules other than as set forth above are omitted because of the absence of the conditions under which they are required or because the required information is included in the consolidated financial statements or related notes in Part II Item 8.	86
(3)	Exhibits.    See Index to Exhibits included at the end of this Form 10-K	165

162

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

SVB Financial Group

/s/ GREG W. BECKER

Greg W. Becker

President and Chief Executive Officer

Dated: February 27, 2014

163

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated:

Signature	Title	Date
/s/ ROGER F. DUNBAR	Chairman of the Board of Directors and Director	February 27, 2014
Roger F. Dunbar
/s/ GREG W. BECKER	President, Chief Executive Officer and Director (Principal Executive Officer)	February 27, 2014
Greg W. Becker
/s/ MICHAEL R. DESCHENEAUX	Chief Financial Officer (Principal Financial Officer)	February 27, 2014
Michael R. Descheneaux
/s/ KAMRAN F. HUSAIN	Chief Accounting Officer (Principal Accounting Officer)	February 27, 2014
Kamran F. Husain
/s/ ERIC A. BENHAMOU	Director	February 27, 2014
Eric A. Benhamou
/s/ DAVID M. CLAPPER	Director	February 27, 2014
David M. Clapper
/s/ JOEL P. FRIEDMAN	Director	February 27, 2014
Joel P. Friedman
/s/ C. RICHARD KRAMLICH	Director	February 27, 2014
C. Richard Kramlich
/s/ LATA KRISHNAN	Director	February 27, 2014
Lata Krishnan
/s/ JEFFREY N. MAGGIONCALDA	Director	February 27, 2014
Jeffrey N. Maggioncalda
/s/ KATE D. MITCHELL	Director	February 27, 2014
Kate D. Mitchell
/s/ JOHN F. ROBINSON	Director	February 27, 2014
John F. Robinson
/s/ GAREN K. STAGLIN	Director	February 27, 2014
Garen K. Staglin

164

INDEX TO EXHIBITS

Exhibit Number	Exhibit Description	Incorporated by Reference				Filed  Herewith
		Form	File No.	Exhibit	Filing Date
3.1	Restated Certificate of Incorporation	8-K	000-15637	3.1	May 31, 2005
3.2	Amended and Restated Bylaws	8-K	000-15637	3.2	July 27, 2010
3.3	Certificate of Designation of Rights, Preferences and Privileges of Series A Participating Preferred Stock	8-K	000-15637	3.3	December 8, 2008
3.4	Certificate of Designations for Fixed Rate Cumulative Perpetual Preferred Stock, Series B	8-K	000-15637	3.4	December 15, 2008
4.1	Junior Subordinated Indenture, dated as of October 30, 2003 between SVB Financial and Wilmington Trust Company, as trustee	8-K	000-15637	4.12	November 19, 2003
4.2	7.0% Junior Subordinated Deferrable Interest Debenture due October 15, 2033 of SVB Financial	8-K	000-15637	4.13	November 19, 2003
4.3	Amended and Restated Trust Agreement, dated as of October 30, 2003, by and among SVB Financial as Depositor, Wilmington Trust Company as Property Trustee, Wilmington Trust Company as Delaware trustee, and the Administrative Trustees named therein	8-K	000-15637	4.14	November 19, 2003
4.4	Certificate Evidencing 7% Cumulative Trust Preferred Securities of SVB Capital II, dated as of October 20, 2003	8-K	000-15637	4.15	November 19, 2003
4.5	Guarantee Agreement, dated as of October 30, 2003 between SVB Financial and Wilmington Trust Company, as trustee	8-K	000-15637	4.16	November 19, 2003
4.6	Agreement as to Expenses and Liabilities, dated as of October 30, 2003, between SVB Financial and SVB Capital II	8-K	000-15637	4.17	November 19, 2003
4.7	Certificate Evidencing 7% Common Securities of SVB Capital II, dated as of October 30, 2003	8-K	000-15637	4.18	November 19, 2003
4.8	Officers' Certificate and Company Order, dated as of October 30, 2003, relating to the 7.0% Junior Subordinated Deferrable Interest Debentures due October 15, 2033	8-K	000-15637	4.19	November 19, 2003
4.9	Amended and Restated Preferred Stock Rights Agreement dated as of January 29, 2004, between SVB Financial and Wells Fargo Bank Minnesota, N.A.	8-A/A	000-15637	4.20	February 27, 2004
4.10	Amendment No. 1 to Amended and Restated Preferred Stock Rights Agreement, dated as of August 2, 2004, by and between SVB Financial and Wells Fargo Bank, N.A.	8-A/A	000-15637	4.13	August 3, 2004
4.11	Amendment No. 2 to Amended and Restated Preferred Stock Rights Agreement, dated as of August 2, 2004, by and between SVB Financial and Wells Fargo Bank, N.A.	8-A/A	000-15637	4.14	January 29, 2008
4.12	Amendment No. 3 to Amended and Restated Preferred Stock Rights Agreement, dated as of April 30, 2008, by and between SVB Financial and Wells Fargo Bank, N.A.	8-A/A	000-15637	4.20	April 30, 2008
4.13	Amendment No. 4 to Amended and Restated Preferred Stock Rights Agreement, dated as of January 15, 2010, by and between SVB Financial, Wells Fargo Bank, N.A. and American Stock Transfer and Trust Company, LLC	8-A/A	000-15637	4.22	January 19, 2010
4.14	Indenture, dated September 20, 2010, by and between SVB Financial and U.S. Bank National Association, as trustee	8-K	000-15637	4.1	September 20, 2010
4.15	Form of 5.375% Senior Note due 2020	8-K	000-15637	4.2	September 20, 2010

10.1	Office Lease Agreement, dated as of September 15, 2004, between CA-Lake Marriott Business Park Limited Partnership and Silicon Valley Bank: 3001, 3003 and 3101 Tasman Drive, Santa Clara, CA 95054	8-K	000-15637	10.28	September 20, 2004
*10.2	401(k) and Employee Stock Ownership Plan					X
*10.3	Amended and Restated Retention Program Plan (RP Years 1999 - 2007)	10-Q	000-15637	10.4	August 7, 2008
*10.4	1999 Employee Stock Purchase Plan	DEF 14A	000-15637	A	March 10, 2010
*10.5	1997 Equity Incentive Plan, as amended	DEF 14A	000-15637	B-1	March 16, 2005
*10.6	Form of Indemnification Agreement	10-Q	000-15637	10.7	November 6, 2009
*10.7	Incentive Compensation Plan	10-Q	000-15637	10.34	November 8, 2013
*10.8	Deferred Compensation Plan	10-Q	000-15637	10.8	November 8, 2013

165

*10.9	Form of Restricted Stock Unit Agreement under 1997 Equity Incentive Plan	8-K	000-15637	10.30	November 5, 2004
*10.10	Form of Incentive Stock Option Agreement under 1997 Equity Incentive Plan	10-Q	000-15637	10.31	November 9, 2004
*10.11	Form of Nonstatutory Stock Option Agreement under 1997 Equity Incentive Plan	10-Q	000-15637	10.32	November 9, 2004
*10.12	Form of Restricted Stock Bonus Agreement under 1997 Equity Incentive Plan	10-Q	000-15637	10.33	November 9, 2004
*10.13	Change in Control Severance Plan	8-K	000-15637	10.14	March 15, 2012
*10.14	2006 Equity Incentive Plan	DEF 14A	000-15637	A	March 9, 2012
*10.15	Form of Incentive Stock Option Agreement under 2006 Equity Incentive Plan	10-Q	000-15637	10.16	August 7, 2009
*10.16	Form of Nonqualified Stock Option Agreement under 2006 Equity Incentive Plan	10-Q	000-15637	10.17	August 7, 2009
*10.17	Form of Restricted Stock Unit Agreement under 2006 Equity Incentive Plan (for Executives)	10-Q	000-15637	10.18	August 7, 2009
*10.18	Form of Restricted Stock Unit Agreement for Employees under 2006 Equity Incentive Plan	10-Q	000-15637	10.19	August 7, 2009
*10.19	Form of Restricted Stock Award Agreement under 2006 Equity Incentive Plan	10-Q	000-15637	10.20	August 7, 2009
*10.20	Offer Letter dated November 2, 2006, for Michael Descheneaux	8-K	000-15637	10.31	April 17, 2007
*10.21	Offer Letter dated April 25, 2007, for Michael Descheneaux	8-K/A	000-15637	10.32	May 2, 2007
*10.22	Form of Restricted Stock Unit Agreement under 2006 Equity Incentive Plan (for Directors)	10-Q	000-15637	10.23	August 7, 2009
*10.23	Form of Restricted Stock Unit Election to Defer Settlement under 2006 Equity Incentive Plan (for Directors)	10-Q	000-15637	10.24	November 10, 2008
*10.24	Form of Restricted Stock Unit Election to Defer Settlement under 2006 Equity Incentive Plan (for Executives)	10-Q	000-15637	10.27	November 10, 2008
*10.25	Retention Program Plan (RP Years Beginning 2008)	10-Q	000-15637	10.26	August 7, 2008
*10.26	Form of Letter Agreement with Michael Descheneaux re: Salary Changes	8-K	000-15637	10.31	May 14, 2009
*10.27	Form of Stock Appreciation Right Agreement under 2006 Equity Incentive Plan	10-Q	000-15637	10.32	August 7, 2009
*10.28	Form of Restricted Stock Unit Agreement for Cash Settlement for Employees under 2006 Equity Incentive Plan	10-Q	000-15637	10.33	August 7, 2009
*10.29	Form of Restricted Stock Unit Agreement for Cash Settlement for Directors under 2006 Equity Incentive Plan	10-Q	000-15637	10.34	August 7, 2009
*10.30	SVB Financial Group Long-Term Cash Incentive Plan	8-K	000-15637	10.35	July 27, 2010
*10.31	International Assignment Agreement for David Jones	8-K	000-15637	10.1	August 8, 2013
*10.32	International Long-Term Assignment for David Jones	8-K	000-15637	10.1	February 14, 2014
*10.33	Form of Restricted Stock Award Agreement under 2006 Equity Incentive Plan++					X
*10.34	Form of Incentive Stock Option Agreement under 2006 Equity Incentive Plan++					X
*10.35	Form of Nonqualified Stock Option Agreement under 2006 Equity Incentive Plan++					X
*10.36	Form of Restricted Stock Unit Agreement under 2006 Equity Incentive Plan++					X
*10.37	Form of Restricted Stock Unit Award Agreement under 2006 Equity Incentive Plan (Performance-Based)++					X
*10.38	Form of Stock Appreciation Rights Agreement under 2006 Equity Incentive Plan++					X

166

Exhibit Number	Exhibit Description	Incorporated by Reference				Filed  Herewith
		Form	File No.	Exhibit	Filing Date
14.1	Code of Ethics	10-K	000-15637	14.1	March 11, 2004
21.1	Subsidiaries of SVB Financial					X
23.1	Consent of KPMG LLP, independent registered public accounting firm.					X
31.1	Rule 13a-14(a) / 15(d)-14(a) Certification of Principal Executive Officer					X
31.2	Rule 13a-14(a) / 15(d)-14(a) Certification of Principal Financial Officer					X
32.1	Section 1350 Certifications					**
101.INS	XBRL Instance Document					X
101.SCH	XBRL Taxonomy Extension Schema Document					X
101.CAL	XBRL Taxonomy Extension Calculation Linkbase Document					X
101.DEF	XBRL Taxonomy Extension Definition Linkbase Document					X
101.LAB	XBRL Taxonomy Extension Label Linkbase Document					X
101.PRE	XBRL Taxonomy Extension Presentation Linkbase Document					X

* Denotes management contract or any compensatory plan, contract or arrangement.

** Furnished herewith

+ Forms applicable to grants made under the 2006 Equity Incentive Plan during 2013 and prior years.

++ Forms applicable to grants made under the 2006 Equity Incentive Plan beginning in 2014.

167

EX-10.2

Exhibit 10.2

EXECUTION COPY

SVB FINANCIAL GROUP401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN

Amended and Restated as of January 1, 2014

#1369729

TABLE OF CONTENTS

Page No.

INTRODUCTION 1

DEFINITIONS 2

2.1Account or Accounts    2

2.2Administrator    2

2.3Beneficiary        2

2.4Board        2

2.5Break in Service    2

2.6Catch-Up Contributions    2

2.7Catch-Up Eligible Participant    2

2.8Code        2

2.9Committee        2

2.10Company        3

2.11Company Stock    3

2.12Compensation    3

2.13Contributions    3

2.14Days of Service    4

2.15Department of Labor Regulations    4

2.16Disability        4

2.17Early Retirement or Early Retirement Date    4

2.18Earnings        4

2.19Effective Date    4

2.20Eligible Employee    4

2.21Eligible Participant    5

2.22Employee        5

2.23Employee Contributions    5

2.24Employer        5

2.25ERISA        5

2.26ESOP Contributions    5

2.27Highly Compensated Employee    5

2.28Matching Contributions    5

2.29Non-Highly Compensated Employee    6

2.30Normal Retirement or Normal Retirement Date    6

2.31Participant        6

2.32Participating Employer    6

2.33Period of Service    6

2.34Plan        6

2.35Plan Year        6

2.36Profit Sharing Contributions    6

2.37Qualified Matching Contributions    6

2.38Qualified Nonelective Contributions    7

2.39Rollover Contributions    7

2.40Severance Date    7

2.41Spousal Consent    7

2.42Spouse or Surviving Spouse    7

2.43Trust        7

2.44Trust Agreement    7

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2.45Trustee        7

2.46Valuation Date    7

2.47Year of Service    7

2.48Other Definitions    8

ELIGIBILITY 9

3.1Participation    9

3.2Reemployment    9

3.3Change in Employment Status    9

3.4Enrollment of Participants    9

ACCOUNTS AND CONTRIBUTIONS 10

4.1Participant Accounts    10

4.2Allocation of Contributions and Earnings    10

4.3Employee Contributions    11

4.4Catch-Up Contributions    11

4.5Matching Contributions and Qualified Matching Contributions    12

4.6Profit Sharing Contributions    13

4.7ESOP Contributions    13

4.8Limitations on Contributions    14

4.9Time and Manner of Payment of Contributions    14

4.10Receipt of Assets from Another Plan    14

LIMITATIONS AND DISCRIMINATION TESTING 15

5.1Section 415 Limitation    15

5.2Distribution of Excess Amounts    15

5.3Discrimination Testing of Employee Contributions    16

5.4Corrective Procedure for Discriminatory Employee Contributions    17

5.5Discrimination Testing of Matching Contributions    19

5.6Corrective Procedure for Discriminatory Matching Contributions    20

VESTING AND FORFEITURES 23

6.1Vested Interest    23

6.2Forfeitures    24

DISTRIBUTION OF ACCOUNTS 26

7.1Termination of Employment    26

7.2Disability    26

7.3Death Benefits    26

7.4Change to a Leased Employee    26

7.5Beneficiary Designation    26

7.6Form of Distribution    26

7.7Form of Benefit    26

7.8Commencement of Distribution    27

7.9Direct Rollovers and Withholding    27

7.10Minimum Distribution Requirements    28

7.11Distribution to Minor or Incompetent    29

7.12Location of Participant or Beneficiary Unknown    29

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HARDSHIPS. LOANS. IN-SERVICE WITHDRAWALS 30

8.1Hardship Withdrawals    30

8.2Loans    31

8.3In-Service Withdrawals At and After Age Fifty-Nine and One-Half (59½)    31

8.4In-Service Withdrawals from Rollover Contributions Account    32

ADMINISTRATION 33

9.1Committee    33

9.2Power    33

9.3Expenses    33

9.4Participant-Directed Accounts    33

9.5Domestic Relations Orders    34

AMENDMENT, TERMINATION OR MERGER. 35

10.1Amendment    35

10.2Termination of Plan    35

10.3Merger    35

TOP-HEAVY PROVISIONS 37

11.1Purpose    37

11.2Definitions    37

11.3Minimum Allocation    39

MISCELLANEOUS 40

12.1Military Service    40

12.2Legal or Equitable Action    40

12.3No Enlargement of Plan Rights    40

12.4No Enlargement of Employment Rights    40

12.5Interpretation    40

12.6Notices and Form of Communication    40

12.7Governing Law    40

12.8Non-Alienation of Benefits    41

12.9No Reversion    41

12.10Conflict    41

12.11Severability    42

APPENDIX A ESOP CONTRIBUTIONS    A-1

APPENDIX B GUIDELINES FOR ANNUITY FORMS OF DISTRIBUTION    B-1

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ARTICLE IINTRODUCTION

SVB Financial Group (the “Company”), organized as a C-corporation, maintains the SVB Financial Group 401(k) and Employee Stock Ownership Plan (the “Plan”), for the exclusive benefit of Participants and their Beneficiaries. The Plan was originally established effective January 1, 1985. Effective March 1, 1995, the Silicon Valley Bancshares Employee Stock Ownership Plan was merged with and into the Plan. Effective January 1, 2003, the Silicon Valley Bank Money Purchase Pension Plan was merged with and into the Plan. The Plan was most recently restated effective January 1, 2009. The Company hereby further amends and restates the Plan in its entirety, effective January 1, 2014 (except as otherwise stated herein or as required by law).

The Plan is intended to be a tax-qualified profit sharing plan with a related tax-exempt trust under Code Sections 401(a) and 501(a), respectively, and includes a tax-qualified cash or deferred arrangement under Code Section 401(k), a matching contribution arrangement under Code Section 401(m), and includes discretionary profit sharing contributions. The Plan also is intended to be an employee stock ownership plan (“ESOP”) under Code Section 4975(e)(7) and Code Section 409(l) and to provide participant-directed investments in accordance with ERISA Section 404(c).

ARTICLE IIDEFINITIONS

Wherever used in this Plan, the following terms shall have the meanings below, unless a different meaning is plainly required by the context. The singular shall include the plural, unless the context indicates otherwise. Headings of sections are used for convenience of reference only. In case of conflict, the text of the Plan, rather than such headings, shall control.

2.1Account or Accounts. “Account” or “Accounts” means a Participant’s interest in the Trust that may consist of any or all of the Participant Accounts described in Section 4.1.

2.2Administrator. “Administrator” (as defined in ERISA Section 3(16)(A)) means theCompany,which may delegate all or a portion of the duties of the Administrator (as described in Article IX) to a Committee.

2.3Beneficiary. “Beneficiary” means the person(s) or entity(ies) who is (are) entitled to receive benefits payable from the Plan (and related Trust) on account of a Participant’s death, as set forth in Section 7.4.

2.4Board. “Board” means the Board of Directors of the Company.

2.5Break in Service. “Break in Service” means:

(a)For purposes of vesting, a period of time commencing with an Employee’s Severance Date of at least twelve (12) consecutive months during which the Employee is not credited with any Period of Service under Section 2.33.

(b)If an Employee is absent on account of maternity or paternity leave, or on account of an authorized leave of absence, then the Employee will not be considered to have incurred a one (1)-year Break in Service for the first twelve (12)-consecutive month period in which he or she would otherwise have had a one (1)-year Break in Service. For purposes of this paragraph, maternity or paternity leave means a period during which an Employee is absent because of: (i) the pregnancy of the Employee, (ii) the birth of a child of the Employee, (iii) the placement of a child with the Employee in connection with the Employee’s adoption of the child, or (iv) the caring for a child by the Employee immediately after the birth or placement of the child.

2.6Catch-Up Contributions. “Catch-Up Contributions” means Contributions under this Plan, made in accordance with Section 4.4.

2.7Catch-Up Eligible Participant.“Catch-Up Eligible Participant,” for any Plan Year, means an Eligible Participant who is, or who will be, age fifty (50) or older at any time during that Plan Year.

2.8Code. “Code” means the Internal Revenue Code of 1986, as amended from time to time, and applicable Income Tax Regulations issued thereunder.

2.9Committee. “Committee” means the 401(k) and Employee Stock Ownership Plan Committee that is appointed by the Company, as specified in Article IX. The Committee may from time to time designate authorized delegate(s) to act on its behalf with regard to its duties and responsibilities under the Plan.

2.10Company. “Company” means SVB Financial Group, and any successor thereto by merger, consolidation or otherwise. The Boardmay from time to time designate authorized delegate(s), including its Compensation Committee, to act on its behalf with regard to its duties and responsibilities under the Plan.

2.11Company Stock. “Company Stock” means common stock of the Company, or any successor thereto by merger, consolidation or otherwise, that meets the requirements of “qualifying employer security” under ERISA Section 407(d)(5) and “employer securities” under Code Section 409(1).

2.12Compensation. “Compensation” means, subject to the provisions in this Section, an Eligible Employee’s wages, salaries, and other amounts received (without regard to whether or not amount is paid in cash) for professional services actually rendered in the course of employment with a Participating Employer maintaining the Plan, to the extent that the amounts are includible in gross income (or to the extent amounts would have been received and includible in gross income but for an election under Code Sections 125(a), 132(f)(4), 402(e)(3), 402(h)(1)(B), 402(k), or 457(b)) as defined in Income Tax Regulation section 1.415(c)-2(d)(2). Compensation excludes amounts realized from the exercise of a nonqualified stock option, amounts realized when restricted stock is no longer subject to a substantial risk of forfeiture, amounts realized from the disposition of a qualified stock option, reimbursements or other expenses allowances, cash and non-cash fringe benefits, moving expenses, deferred compensation, welfare benefits and severance pay.

Compensation that is paid within thirty (30) days after an Eligible Employee’s severance from employment is included in Compensation if it meets either (a) or (b) below. In addition, for purposes of Matching Contributions, Profit Sharing Contributions and ESOP Contributions, and for purposes of determining the Annual Additions limitation under Section 5.1(b) and otherwise may be required by the Code and applicable Income Tax Regulations, Compensation paid by the later of two and one-half (2½) months after the date of the Employee’s severance from employment or the end of the Limitation Year (described in Section 5.1) that includes the date of the Employee’s severance from employment is included in Compensation if it meets either (a) or (b) below:

(a)Such payment is regular compensation for services during the Eligible Employee’s regular working hours, or compensation for services outside the Eligible Employee’s regular working hours (such as overtime or shift differential), commissions, bonuses or similar payments and such payment would have been paid to the Employee in the absence of a severance from employment; or

(b)Such compensation is payment of accrued bona fide sick leave, vacation or other leave, but only if the Employee would have been able to use the leave if his or her employment had continued.

The annual Compensation of each Eligible Employee that is taken into account under the Plan shall not exceed the limit prescribed under Code Section 401(a)(17), as adjusted by the Secretary of the Treasury under Code Section 415(d). If a Plan Year consists of less than twelve (12) months, then the annual Compensation limit shall be adjusted to an amount equal to the otherwise applicable limit for such Plan Year multiplied by a fraction, the numerator of which is the number of months in the short Plan Year and the denominator of which is twelve (12).

2.13Contributions. “Contributions” means contributions that may be made to a Participant’s Accounts from time to time, including Employee Contributions, Catch-up Contributions, Rollover Contributions, Matching Contributions, ESOP Contributions, Profit Sharing Contributions, Qualified Matching Contributions and Qualified Nonelective Contributions.

2.14Days of Service. “Days of Service” means the total number of days in an Employee’s service periods, whether or not such periods were consecutively completed. Days of Service shall also mean the number of days in all severance periods, if any, in which:

(a)the Employee severs from service by reason of quit, discharge or retirement, if the Employee performs an hour of service for an Employer within twelve (12) months of the date of such severance; provided that immediately prior to such quit, discharge or retirement, the Employee was not absent from service; or

(b)notwithstanding paragraph (a) above, the Employee severs from service by reason of quit, discharge or retirement during an absence from service of twelve (12) months or less for any reason other than a quit, discharge, retirement or death and the Employee then performs an hour of service for an Employer within twelve (12) months of the date on which the Employee was first absent from service.

2.15Department of Labor Regulations. “Department of Labor Regulations” means the regulations under ERISA, prescribed by the Secretary of Labor from time to time.

2.16Disability. “Disability” means the Participant is disabled as determined by the United States Social Security Administration.

2.17Early Retirement or Early Retirement Date. “Early Retirement” or “Early Retirement Date” means the date on which a Participant is at least fifty-five (55) years of age, has completed 10 Years of Service, and subsequently terminates his or her employment with a Participating Employer.

2.18Earnings. “Earnings” means (a) interest, dividends, rents, royalties, net realized and unrealized gains, and other income, less (b) fees, commissions, insurance premiums and other expenses, and realized and unrealized losses.

2.19Effective Date. “Effective Date” for this Plan restatement means January 1, 2014, except as otherwise provided herein.

2.20Eligible Employee. “Eligible Employee” means each Employee who is at least 18 years of age and who is on the United States payroll of a Participating Employer, except:

(a)an individual who is classified as a Leased Employee by the Employer. A “Leased Employee” means any individual who, pursuant to an agreement between the Employer and any other individual, has performed services for the Employer (or for the Employer and related individuals determined in accordance with Code Section 414(n)(6)) (“Recipient Employer”) on a substantially full-time basis for a period of at least one (1) year, and such services are performed under the primary direction of or control by the Recipient Employer;

(b)an Employee who is a non-resident alien (within the meaning of Code Section 7701(b)(1)(B)) and who receives no earned income (within the meaning of Code Section 911(d)(2)) from the Employer which constitutes income from sources within the United States (within the meaning of Code Section 861(a)(3));

(c)an individual who is classified as an intern by the Employer;

(d)an Employee or individual prior to the effective date that he or she became a Reclassified Employee, regardless of whether such reclassification is intended to be retroactively effective. “Reclassified Employee” means an Employee who was not initially classified by the Employer as an Employee, but who was subsequently reclassified as an Employee by a Federal, state or local group, organization, agency or court; or

(e)an Employee who is covered by a collective bargaining agreement between a union and that Employer or any employers’ association under which retirement benefits were the subject of good faith bargaining, unless the agreement specifically provides for coverage of such Employee under the Plan.

2.21Eligible Participant. “Eligible Participant” means an Eligible Employee who is participating in the Plan as described in Article III.

2.22Employee. “Employee” means any person: (a) who is employed by, and designated as an employee by, the Employer; or (b) who is a Leased Employee, as defined in Section 2.20 above, provided, however, if Leased Employees constitute less than twenty percent (20%) of the Non-Highly Compensated Employee workforce (within the meaning of Code Section 414(n)(5)(C)(ii)), then the term “Employee” shall not include those Leased Employees who are covered by plan described in Code Section 414(n)(5).

2.23Employee Contributions. “Employee Contributions” means the pre-tax elective deferrals made by an Eligible Participant under Section 4.3.

2.24Employer. “Employer” means: (a) the Company; (b) any other corporation that is a member of a controlled group of corporations (as defined under Code Section 414(b)) that includes the Company; (c) any trade or business (whether or not incorporated) that is under common control (as defined under Code Section 414(c)) with the Company; (d) any organization (whether or not incorporated) that is a member of an affiliated service group (as defined under Code Section 414(m)) that includes the Company; and (e) any other organization or entity that is required to be aggregated with the Company pursuant to Code Section 414(o). For purposes of the calculation of Annual Additions as set forth in Section 5.1, the determination of whether any entity is an Employer shall be made in accordance with Code Section 415(h).

2.25ERISA. “ERISA” means the Employee Retirement Income Security Act of 1974, as amended from time to time, and applicable Department of Labor Regulations issued thereunder.

2.26ESOP Contributions. “ESOP Contributions” means discretionary contributions made by the Company under the Plan in accordance with Section 4.7.

2.27Highly Compensated Employee. “Highly Compensated Employee” means, for any Plan Year, an Employee described under Code Section 414(q), applying the top-paid group election as described under Code Section 414(q)(3) and applicable Income Tax Regulations. The top-paid group consists of the top 20% of Employees ranked on the basis of compensation (as defined under Code Section 415(c)(3)) received during the twelve (12) month period preceding the Plan Year.

2.28Matching Contributions. “Matching Contributions” means contributions made by the Company under the Plan in accordance with Section 4.5.

2.29Non-Highly Compensated Employee. “Non-Highly Compensated Employee” means an Employee who is not a Highly Compensated Employee.

2.30Normal Retirement or Normal Retirement Date. “Normal Retirement” or “Normal Retirement Date” means the date on which a Participant is at least sixty-two (62) years of age.

2.31Participant. “Participant” means a current or former Eligible Employee or other individual for whom an Account is maintained under the Plan.

2.32Participating Employer. “Participating Employer” means the Company and any other Employer that employs Eligible Employees unless such Employer has been excluded from participation by the Committee.

2.33Period of Service. “Period of Service” means:

(a)An Employee’s period of employment with the Employer, beginning with the Employee’s employment or reemployment commencement date, whichever is applicable, and ending with his or her Severance Date. An Employee’s Period of Service shall be determined without regard to whether he or she is a Participant or an Eligible Employee during his or her Period of Service with the Employer. An Employee’s Period of Service shall include those periods that do not exceed twelve (12) months during which the Employee is on a leave of absence, disabled, laid off, on sick leave, on vacation or on holiday. In addition, if an Employee ceases to be an Employee and then resumes Employee status within twelve (12) consecutive months immediately following the date of such cessation, then his or her Period of Service shall also include each day during that period of cessation, beginning with the day that he or she ceases to be an Employee and ending with the day he or she again becomes an Employee.

(b)If an Employee is absent from service for any reason other than quit, discharge, retirement, or death, and during the absence ceases to be an Employee, his or her Period of Service shall also include the period between the Employee’s Severance Date and the first anniversary of the date on which the Employee was first absent, if he or she again becomes an Employee before such first anniversary date.

(c)An Employee’s Period of Service shall be expressed in years and portions of years and shall be measured in cumulative daily increments (including holidays, weekends, and other non-working days) with three hundred sixty-five (365) Days of Service equaling a Year of Service irrespective of whether such Year of Service was completed within a twelve (12) consecutive month period.

2.34Plan. “Plan” means the SVB Financial Group 401(k) and Employee Stock Ownership Plan, as set forth herein and in amendments from time to time made hereto.

2.35Plan Year. “Plan Year” means the twelve (12) consecutive month period beginning each January 1 and ending each December 31.

2.36Profit Sharing Contributions. “Profit Sharing Contributions” means discretionary contributions made by the Company under the Plan in accordance with Section 4.6.

2.37Qualified Matching Contributions. “Qualified Matching Contributions” means discretionary Contributions under this Plan or any other tax-qualified plan of the Employer made in accordance with Section 4.5.

2.38Qualified Nonelective Contributions. “Qualified Nonelective Contributions” means discretionary Contributions under this Plan or any other tax-qualified plan of the Employer made in accordance with Article V.

2.39Rollover Contributions. “Rollover Contributions” means contributions under this Plan in accordance with Section 4.10.

2.40Severance Date. “Severance Date” means the first to occur of: (a) the date on which an Employee terminates employment with the Employer because he or she quits, is discharged, dies or retires; or (b) the first anniversary of the date on which the Employee is absent (with or without pay) from employment for any other reason (such as vacation, holiday, sickness, maternity or paternity leave, or layoff).

2.41Spousal Consent. “Spousal Consent” means written consent given by a Spouse to a Participant’s election or waiver of a specified form of benefit or of a Beneficiary designation in a manner determined by the Committee from time to time. The Spouse’s consent must acknowledge the effect on the Spouse of the Participant’s election, waiver or designation, and be duly witnessed by a Plan representative or notary public. Spousal Consent shall be valid only with respect to the Spouse who signs the Spousal Consent and only for the particular choice made by the Participant which requires Spousal Consent. A Participant may revoke (without Spousal Consent) a prior election, waiver or designation that required Spousal Consent at any time before payments begin. Spousal Consent also means a determination by the Committee that there is no Spouse, the Spouse cannot be located, or such other circumstances as may be established by applicable law. The marriage (or applicable remarriage) of a Participant shall nullify any Beneficiary designation made by the Participant prior to the marriage (or applicable remarriage).

2.42Spouse or Surviving Spouse. “Spouse” or “Surviving Spouse” means the spouse or surviving spouse of a Participant to whom such Participant is legally married, determined in accordance with the Code, ERISA, and applicable Income Tax Regulations and Department of Labor Regulations, or was legally married as of the date of the Participant’s death for purposes of a Surviving Spouse; provided, however, that a former spouse shall be treated as the Spouse or Surviving Spouse to the extent provided under a Qualified Domestic Relations Order, as described in Section 9.5. A registered domestic partner or civil union partner shall be treated as Spouse or Surviving Spouse to the extent permitted under the Code, ERISA and applicable Income Tax Regulations and Department of Labor Regulations. Notwithstanding the preceding sentence, a registered domestic partner or civil union partner shall not be treated as a Spouse or Surviving Spouse for purposes of Appendix B.

2.43Trust. “Trust” means the asset-bearing entity created and maintained under this Plan.

2.44Trust Agreement. “Trust Agreement” means the separate agreement entered into with the Trustee, pursuant to which the Trust is held, administered and distributed.

2.45Trustee. “Trustee” means any person or entity appointed by the Company, or its authorized delegate, to hold the Plan’s assets.

2.46Valuation Date. “Valuation Date” means each date investment funds are valued, and other business day(s) where a valuation is required under the terms of the Plan or related Trust Agreement.

2.47Year of Service. “Year of Service” means a Period of Service equal to three hundred sixty-five (365) Days of Service, whether or not consecutive.

2.48Other Definitions. Other capitalized terms not defined above are defined in the section in which the term is located.

ARTICLE IIIELIGIBILITY

3.1Participation. Each Eligible Participant on the day before the Effective Date who is an Eligible Employee on the Effective Date, shall continue as an Eligible Participant on the Effective Date. Each other Eligible Employee shall become a Participant in the Plan as soon as administratively feasible following his or her employment commencement date.

3.2Reemployment.If an Eligible Participant terminates employment with a Participating Employer and is thereafter reemployed by a Participating Employer as an Eligible Employee, then such Eligible Employee shall become an Eligible Participant in the Plan as soon as administratively feasible following his or her reemployment commencement date. If such Employee is not an Eligible Employee on his or her reemployment commencement date, such Employee shall become a Participating Employee as soon as administratively feasible after becoming an Eligible Employee.

3.3Change in Employment Status. If an Eligible Participant ceases to be an Eligible Employee, then such Employee shall be reinstated as an Eligible Participant as soon as administratively feasible after again becoming an Eligible Employee. If, however, an Employee who is not, and has never been, an Eligible Employee becomes an Eligible Employee, then such Eligible Employee shall become an Eligible Participant in accordance with Section 3.1.

3.4Enrollment of Participants. Each Eligible Participant shall comply with such enrollment procedures as the Committee may prescribe from time to time.

ARTICLE IVACCOUNTS AND CONTRIBUTIONS

4.1Participant Accounts. The following separate Accounts, if applicable, shall be maintained for each Participant:

(a)Catch-Up Contributions Account. A Participant’s Catch-Up Contributions Account shall be credited with all amounts attributable to Catch-Up Contributions pursuant to Section 4.4.

(b)Employee Contributions Account. A Participant’s Employee Contributions Account shall be credited with all amounts attributable to Employee Contributions pursuant to Section 4.3.

(c)ESOP Account. A Participant’s ESOP Account shall be credited with all amounts attributable to ESOP Contributions pursuant to Section 4.7. Provisions relating solely to ESOP Contributions are described in Appendix A.

(d)Matching Contributions Account. A Participant’s Matching Contributions Account shall be credited with all amounts attributable to Matching Contributions pursuant to Section 4.5 after January 2014.

(e)Money Purchase Pension Account. A Participant’s Money Purchase Pension Account shall hold Money Purchase Pension Contributions made to the Silicon Valley Money Purchase Pension Plan prior to January 1, 2003. Provisions relating solely to a Participant’s Money Purchase Pension Account are described in Appendix B.

(f)Prior ESOP Account. A Participant’s Prior ESOP Account shall hold amounts contributed to the Silicon Valley Bancshares Employee Stock Ownership Plan prior to March 1, 2005. To the extent applicable, a Participant’s Prior ESOP Account is subject to Appendix A.

(g)Prior Match Account. A Participant’s Prior Match Account shall hold Company matching contributions for periods commencing prior to March 1, 1995.

(h)Profit Sharing Account. A Participant’s Profit Sharing Account shall be credited with all amounts attributable to Profit Sharing Contributions pursuant to Section 4.6.

(i)Rollover Contributions Account. A Participant’s Rollover Contributions Account shall be credited with Rollover Contributions transferred to the Plan pursuant to Section 4.10.

(j)Safe Harbor Match Account.    A Participant’s Safe Harbor Match Account shall hold Company safe harbor matching contributions for periods prior to January 1, 2014.

(k)Other Accounts. Such other Account(s) as the Committee shall deem necessary or appropriate, including a Qualified Matching Contributions Account and Qualified Nonelective Contributions Account.

4.2Allocation of Contributions and Earnings.

(a)The Committee shall allocate to the Accounts of each Participant the Contributions made on his or her behalf and, if applicable, Rollover Contributions.

(b)Participant Accounts shall be valued at their fair market value at least annually, as of a date and in a manner specified by the Committee. The Committee shall adjust each Account: first, to reflect any allocations made to, or any distributions or withdrawals made from, such Account since the immediately preceding Valuation Date, to the extent not previously credited or charged thereto, and second, to reflect the Earnings allocable to each Account.

4.3Employee Contributions.

(c)Subject to the limitations of this Section and Article V, an Eligible Participant may elect, in accordance with the procedures established from time to time by the Committee, to have a portion of his or her Compensation contributed to his or her Employee ContributionsAccount. The Eligible Participant’s election shall specify the amount of his or her Compensation to be contributed, in whole percentages, which amount shall not be more than seventy-five percent(75%)of the Eligible Participant’s Compensation for each payroll period.

(d)Subject to the limitations of this Section and Article V, an Eligible Employee who: (i) was first hired on or after July 1, 2008, or (ii) was rehired on or after January 1, 2014, shall automatically be enrolled (or re-enrolled, as applicable) in the Plan and shall have five percent (5%) of his or her Compensation for each payroll period contributed on his or her behalf to his or her Employee Contributions Account. Such automatic Employee Contributions shall commence for each affected Eligible Participant as soon as administratively feasible following the date an Eligible Employee becomes an Eligible Participant, as determined by the Committee, and will be invested in accordance with a default investment election determined by the Committee in accordance with Section 404(c)(5) of ERISA.

Such an Eligible Participant may elect thereafter at any time not to make Employee Contributions to the Plan, or to defer a different percentage of Compensation in accordance with paragraph (a) herein, which such election shall be made in such manner and at such time as the Committee shall specify from time to time and shall be effective as soon as administratively feasible thereafter.

(e)An Eligible Participant may elect to commence, increase, decrease or discontinue Employee Contributions in such manner and at such time as the Committee shall specify from time to time.

(f)In no event shall the dollar amount contributed on behalf of an Eligible Participant for any calendar year exceed the limit prescribed under Code Section 402(g)(5).

(g)An Eligible Participant’s election to defer(or automatic election to defer) Compensation for purposes of Employee Contributions shall remain in effect from Plan Year to Plan Year, unless the Eligible Participant elects to change such election in such manner and such time as the Committee shall specify.

4.4Catch-Up Contributions.

(a)A Catch-Up Eligible Participant may, in accordance with the procedures established from time to time by the Committee, elect to have a portion of his or her Compensation contributed to his or her Catch-Up Contributions Account. The Catch-Up Eligible Participant’s election shall specify the amount of his or her Compensation to be contributed, which amount shall not be more than seventy five percent (75%) of the Catch-Up Eligible Participant’s Compensation for each payroll period.

(b)A Catch-Up Eligible Participant may elect to commence, increase, decrease or discontinue Catch-Up Contributions in such manner and at such times as the Committee shall specify from time to time, such election to take effect as soon as administratively feasible following the election, as determined by the Committee. The Committee may reduce the amount the Catch-Up Eligible Participant has elected to defer towards Catch-Up Contributions, in order to ensure that the Catch-Up Eligible Participant’s combined deferral percentages for Employee Contributions and Catch-Up Contributions do not exceed seventy five percent (75%) of the Catch-Up Eligible Participant’s Compensation for a payroll period.

(c)Amounts determined to be Catch-Up Contributions for a Plan Year shall not be subject to the limit prescribed under Code Section 402(g)(5) (as set forth in Section 4.3(d)), the limitation under Code Section 415 (as set forth in Section 5.1), or the ADP Test (as set forth in Section 5.3). The Plan shall not be treated as failing to meet the requirements of Code Section 401(a)(4), 401(a)(30), 401(k)(3), 401(k)(12), 410(b), 415(c), or 416, as applicable, by reason of the making of, or the right to make, Catch-Up Contributions.

(d)In no event shall the dollar amount contributed on behalf of such Catch-Up Eligible Participant’s Catch-Up Contributions to the Plan for any calendar year exceed the limit prescribed under Code Section 414(v). If a Catch-Up Eligible Participant is determined to have Catch-Up Contributions for a calendar year that exceed the applicable dollar limit prescribed under Code Section 414(v)(2) for that calendar year, under this Plan alone or when combined with amounts determined to be catch-up contributions that meet the requirements of Code Section 414(v) that are made under another plan for the same calendar year, then the excess Catch-Up Contributions will be corrected in the same manner as Excess Deferrals, as set forth in Section 5.2.

(e)Amounts contributed by a Catch-Up Eligible Participant as Employee Contributions pursuant to Section 4.4 may, to the fullest extent permitted under Code Section 414(v), the Income Tax Regulations and other applicable guidance thereunder, and without regard to a Catch-Up Eligible Participant’s actual election, be recharacterized as Catch-Up Contributions, as may be required by operation of the limits of the Code, including those limits on Employee Contributions, the limit under Code Section 402(g)(5), and/or the ADP Test (as set forth in Section 5.3).

(f)    As of the end of each Plan Year, the Committee shall make the final determination as to the amount of Employee Contributions that shall be treated as Catch-Up Contributions for each Catch-Up Eligible Participant for the Plan Year, as well as the amount of Catch-Up Contributions that shall be recharacterized as Employee Contributions for the Plan Year. The determination shall be made in accordance with, and subject to the limitations of Section 4.3 and Article V, as well as the limitations of Code Section 414(v) and the Income Tax Regulations and other applicable guidance thereunder.

4.5Matching Contributions and Qualified Matching Contributions.

(a)Subject to the provisions of paragraphs (b) (c) and (d) below, the Company shall make Matching Contributions to the Trust on behalf of Eligible Participants for each payroll period equal to one hundred percent (100%) of the Eligible Participant’s Employee Contributions and Catch-Up Contributions, if applicable, for such payroll period up to five percent (5%) of such Eligible Participant’s Compensation.

(b)The Company shall further make an additional Matching Contribution, to be allocated as of the last day of the Plan Year in an amount equal to the difference, if any, between (i) the Matching Contributions allocated to the Eligible Participant pursuant to paragraph (a), and (ii) a Matching Contribution determined as one hundred percent (100%) of Employee Contributions, and Catch Up Contributions, if applicable, for the Plan Year, up to five percent (5%) of Compensation for the Plan year. This additional Matching Contribution, if any, shall be allocated to the Matching Contributions Account of each Eligible Participant actively employed by the Employer on the last day of the Plan Year or who ceased to be an Eligible Participant during the Plan Year due to a transfer of employment to a foreign subsidiary of the Company that resulted in such Employee no longer being on the United States payroll of a Participating Employer. Notwithstanding the foregoing, an otherwise Eligible Participant who incurs a Disability during the Plan Year or whose employment with the Employer terminates as a result of death, Normal Retirement or Early Retirement shall, for purposes of this Section, be deemed to have been employed by the Participating Employer on the last day of the Plan Year.

(c)Matching Contributions that would otherwise be made on behalf of an Eligible Participant may be reduced to the extent necessary to comply with the limitations of Article V.

(d)The Company may elect to treat all or a portion of Matching Contributions for a Plan Year as Qualified Matching Contributions for purposes of the ADP test under Section 5.3; provided, however, that any such treatment must be in compliance with the provisions of Income Tax Regulations Section 1.401(k)-2(a).

(e)For all purposes under the Plan, Matching Contributions and Qualified Matching Contributions shall be subject to the distribution limitations of Article VII.

4.6Profit Sharing Contributions.

(a)The Company may make Profit Sharing Contributions, if any, in such amount, manner, form and at such time as it shall determine from time to time.

(b)Profit Sharing Contributions for each Plan Year, if any, shall be allocated to the Profit Sharing Contribution Account of each Eligible Participant who was employed by a Participating Employer on the last day of the Plan Year, or who ceased to be an Eligible Participant during the Plan Year due to a transfer of employment to a foreign subsidiary of the Company that resulted in the Employee no longer being on the United States payroll of a Participating Employer. Notwithstanding the foregoing, an otherwise Eligible Participant who incurs a Disability during the Plan Year or whose employment with the Employer terminates as a result of death, Normal Retirement or Early Retirement shall, for purposes of this Section, be deemed to have been employed by the Participating Employer on the last day of the Plan Year.

(c)Profit Sharing Contributions shall be allocated to each Eligible Participant entitled to share in the allocation of Profit Sharing Contributions for a Plan Year in proportion to his or her Compensation as it relates to the aggregate Compensation of all Eligible Participants for such Plan Year, subject to the limitations of Section 4.8 and Article V.

(d)For all purposes of the Plan, Profit Sharing Contributions shall be subject to the distribution limitations of Article VII.

4.7ESOP Contributions.

(a)The Company may make ESOP Contributions, if any, in such amount, manner, and at such time as it shall determine from time to time. ESOP Contributions shall be made in the form of Company Stock.

(b)ESOP Contributions for each Plan Year, if any, shall be allocated to the ESOP Contribution Account of each Eligible Participant who was employed by a Participating Employer on the last day of Plan Year or who ceased to be an Eligible Participant during the Plan Year due to a transfer of employment to a foreign subsidiary of the Company that results in such Employee no longer being on the United States payroll of a Participating Employer. Notwithstanding the foregoing, an otherwise Eligible Participant who incurs a Disability during the Plan Year or whose employment with the Employer terminates as a result of death, Normal Retirement or Early Retirement shall, for purposes of this Section, be deemed to have been employed by the Participating Employer on the last day of the Plan Year.

(c)ESOP Contributions shall be allocated to each Eligible Participant entitled to share in the allocation of ESOP Contributions for a Plan Year in proportion to his or her Compensation as it relates to the aggregate Compensation of all Eligible Participants for such Plan Year, subject to the limitations of Section 4.8 and Article V.

(d)A Participant’s rights with regard to ESOP Contributions are described in Appendix A. For all purposes of the Plan, ESOP Contributions shall be subject to the distribution limitations of Article VII and shall be subject to Appendix A.

4.8Limitations on Contributions. Profit Sharing Contributions and ESOP Contributions in the aggregate for a Plan Year shall not exceed a limit specified by the Company from zero percent (0%) to ten percent (10%) of each Eligible Participant’s Compensation. Contributions for any Plan Year shall not exceed the maximum amount allowable as a deduction to the Employer (including, without limitation the Participating Employers) under the provisions of Code Section 404. Notwithstanding the preceding sentence, to the extent necessary to provide Top-Heavy minimum allocations as described in Article XI, the Employer (and, accordingly, each Participating Employer) shall make Contributions, even if such Contributions exceed the amount deductible to the Employer under the provisions of Code Section 404.

4.9Time and Manner of Payment of Contributions. Except as otherwise expressly provided in the Plan, Contributions shall be paid to the Trustee by the Company in such form (that is, cash or Company Stock, or any combination thereof) and at such time as the Company determines, subject to the timing requirements of applicable law.

4.10Receipt of Assets from Another Plan.

(c)If directed by the Committee, the Trustee shall accept a transfer of assets for the benefit of an Eligible Employee or group of Eligible Employees. Such transfer may be in the form of: (i) a trust-to-trust transfer from the trustee of a tax-qualified plan under Code Section 401(a) and related tax-exempt trust under Code Section 501(a); or (ii) a rollover by the Eligible Employee or a Direct Rollover (as described in Section 7.09) from: (A) a tax-qualified plan described in Code Section 401(a) or 403(a), excluding after-tax employee contributions; (B) an annuity contract described in Code Section 403(b), excluding after-tax employee contributions; (C) an eligible plan under Code Section 457(b) that is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state; or (D) an individual retirement account or annuity described in Code Section 408(a) or 408(b) that is eligible to be rolled over and would otherwise be includible in gross income.

(d)Amounts attributable to elective contributions (as defined in Income Tax Regulations Section 1.401(k)-2(a)(4), including amounts treated as elective contributions that are transferred in a plan-to-plan transfer, shall be subject to the distribution limitations provided in Income Tax Regulations Section 1.401(k)-1(d).

ARTICLE VLIMITATIONS AND DISCRIMINATION TESTING

5.1Section 415 Limitation.

(c)Definitions. For purposes of this Section, the following definitions apply:

(i)“Annual Additions” means, for any Limitation Year, the sum of the following amounts credited to an Eligible Participant’s Accounts in all qualified defined contribution plans maintained by an Employer: (i) Employer contributions, (ii) Employee contributions, and (iii) forfeitures. Employee Contributions or Matching Contributions that exceed the maximum permitted under the ADP Test (as described in Section 5.3) or the ACP Test (as described in Section 5.5) are Annual Additions, even if they are distributed or forfeited to correct the violation. Employee Contributions in excess of the maximum permitted by Code Section 402(g) that are timely distributed are not treated as Annual Additions. Annual Additions also do not include loan repayments, direct transfers, restorative payments, Catch-Up Contributions, and Rollover Contributions. In addition, with respect to the dollar limitation under the heading “Maximum Permissible Amount,” below, Annual Additions include contributions to a welfare benefit trust (described in Code Section 419A(d)(2)) to provide post-retirement medical benefits for a Key Employee (as defined in Code Section 416(i)).

(ii)“Limitation Year” means the calendar year.

(d)Maximum Permissible Amount. The Annual Additions to a Participant’s Accounts for any Limitation Year will not exceed the lesser of (i) $40,000, adjusted as described in Code Section 415(d) or (ii) 100% of the Participant’s Compensation for the Plan Year. Code Section 415 and the applicable Income Tax Regulations are incorporated herein by reference.

(e)Excess Annual Additions. If the Annual Additions actually made to a Participant’s Accounts exceed the Maximum Permissible Amount, the Participant’s Annual Additions for the Limitation Year in which the excess Annual Additions arise will be corrected using any reasonable method, including but not limited to methods approved by the Internal Revenue Service pursuant to the Employee Plans Compliance Resolution System.

(f)Aggregation of Plans. For purposes of this Section, all defined contribution plans of an Employer will be treated as one defined contribution plan. If aggregate Annual Additions under more than one such plan would otherwise exceed the Maximum Permissible Amount, the last amounts contributed shall be the first amounts treated as creating the excess unless the other plan requires use of a different rule.

5.2Distribution of Excess Amounts. For purposes of this Section 5.2, “Elective Deferrals” means with respect to any calendar year, any amount allocated to a Participant’s Employee Contributions Account pursuant to Section 4.3, and any contributions on behalf of an individual under a qualified cash or deferred arrangement described in Code Section 402(e)(3), under a simplified employee pension plan described in Code Section 408(k)(6), and under a salary reduction agreement to purchase an annuity contract described in Code Section 403(b). Elective Deferrals shall not include any deferrals properly distributed as excess Annual Additions.

If the Committee is timely notified by a Participant, or otherwise determines that a Participant’s Elective Deferrals exceed the amount permitted by Code Section 401(a)(30) or Code Section 402(g), the excess amount (“Excess Elective Deferral”), together with income earned on the Excess Elective Deferral during the calendar year to which the Excess Elective Deferral relates, will be distributed to the Participant by April 15 following the end of the taxable year in which the Excess Elective Deferral was made. Income will be determined in accordance with any reasonable method used for allocating income to Participants’ Accounts during the Plan Year. Federal, state or local income tax withholding obligations attributable to a distribution may be satisfied out of the distribution, if not satisfied out of other compensation. If Employee Contributions are distributed, they will be accompanied by the forfeiture of a proportionate share of Matching Contributions. The amount of Excess Elective Deferrals for a calendar year that would otherwise be distributable to the Participant will be re-characterized to the extent possible as Catch-Up Contributions and will be reduced by the amount of Excess Contributions, if any, previously distributed to the Participant for the Plan Year beginning in that calendar year.

5.3Discrimination Testing of Employee Contributions. Employee Contributions made under the Plan must satisfy the nondiscrimination tests set forth in Code Section 401(k)(3), Income Tax Regulations section 1.401(k)-2, and other applicable guidance issued by the Internal Revenue Service under Code Section 401(k). Subsequent guidance is incorporated herein by reference. In satisfying the nondiscrimination test set forth in Code Section 401(k)(3)(A)(ii), the current year testing method will be used.

(f)Definitions.

(i)Actual Deferral Percentage (“ADP”). “Actual Deferral Percentage” or “ADP” means, with respect to each Eligible Participant, a percentage, calculated as the sum of the amount of Employee Contributions, Qualified Matching Contributions, and Qualified Nonelective Contributions, made on behalf of such Eligible Participant for the Plan Year (and allocated for purposes of the ADP test), divided by such Eligible Participant’s Compensation for that Plan Year. Amounts contributed to the Plan as Catch-up Contributions that are later re-characterized as Employee Contributions shall be included as Employee Contributions for this purpose.

(ii)Average ADP. “Average ADP” means the average (expressed as a percentage) of the ADPs for all Eligible Participants in the relevant group.

(iii)Excess 401(k) Contributions. “Excess 401(k) Contributions” means, with respect to any Plan Year, the excess of (A) the aggregate amount of Contributions actually taken into account in computing the ADPs of Highly Compensated Employees for such Plan Year, over (B) the maximum amount of such Contributions permitted by the ADP test. Excess 401(k) Contributions shall continue to be treated as Annual Additions under the Plan.

(g)ADP Test. One of the following ADP tests shall be satisfied for each Plan Year:

(i)the Average ADP for Eligible Participants who are Highly Compensated Employees for the Plan Year shall not exceed the Plan Year’s Average ADP for Eligible Participants who wereNon-Highly Compensated Employees for the Plan Year multiplied by one and twenty-five one-hundredths (1.25); or

(ii)the Average ADP for Eligible Participants who are Highly Compensated Employees for the Plan Year shall not exceed the Plan Year’s Average ADP for Eligible Participants who were Non-Highly Compensated Employees for the Plan Year multiplied by two (2), provided that the ADP for Eligible Participants who are Highly Compensated Employees does not exceed the Average ADP for Eligible Participants who were Non-Highly Compensated Employees for the Plan Year by more than two (2) percentage points.

5.4Corrective Procedure for Discriminatory Employee Contributions.

(f)Correction of Excess 401(k) Contributions. The Committee may take any and all steps it deems necessary or appropriate to ensure compliance with the limitations of Section 5.3(b). Such steps shall include, without limitation, one or any combination of the following:

(iii)restricting the amount of Employee Contributions on behalf of Highly Compensated Employees;

(iv)distributing Excess 401(k) Contributions to the Highly Compensated Employees who made such Excess 401(k) Contributions, pursuant to paragraph (e) below;

(v)treating Matching Contributions as Qualified Matching Contributions. The amount of Qualified Matching Contributions made under this Plan and taken into account for purposes of calculating the ADP test, subject to such other requirements as may be prescribed by the Secretary of the Treasury, shall be such Qualified Matching Contributions as are needed to meet the ADP test; and/or

(vi)accepting from the Employer a Qualified Nonelective Contribution for Eligible Participants who are Non-Highly Compensated Employees. If Qualified Nonelective Contributions are made by an Employer in its sole discretion pursuant to this Section, such contributions shall be made solely to those Eligible Participants who are Non-Highly Compensated Employees employed on the last day of the Plan Year and to those who are Non-Highly Compensated Employees when they ceased to be Eligible Participants during the Plan Year due to a transfer of employment to a foreign subsidiary of the Company that resulted in such Employee no longer being on the United States payroll of a Participating Employer. Notwithstanding the foregoing, an otherwise Eligible Participant who incurs a Disability during the Plan Year or whose employment with the Employer terminates as a result of death, or Normal Retirement or Early Retirement shall, for purposes of this Section, be deemed to have been employed by the Participating Employer on the last day of the Plan Year. The amount to be allocated will be determined on a pro-rata basis in proportion to the Compensation of such Eligible Participants for the Plan Year.

(g)Calculation of Excess 401(k) Contributions. The amount of Excess 401(k) Contributions for Highly Compensated Employees for a Plan Year shall be calculated by the following method, under which the ADP of the Highly Compensated Employee with the highest ADP is reduced to the extent required to enable the Plan to satisfy the ADP test or to cause such Highly Compensated Employee’s ADP to equal the ADP of the Highly Compensated Employee with the next highest ADP:

(i)the Employee Contributions of the Highly Compensated Employee with the highest ADP shall be reduced; such reduction shall continue, as necessary, until such Highly Compensated Employee’s ADP equals that (those) of the Highly Compensated Employee(s) with the second highest ADP;

(ii)following the application of paragraph (i), if it is still necessary to reduce Highly Compensated Employees’ Employee Contributions, then the Contributions of (or allocations on behalf of, if applicable) Highly Compensated Employees with the highest and second highest ADPs shall be reduced, as necessary, until such Employees’ ADP equals that of the Highly Compensated Employee(s) with the third highest ADP;

(iii)following the application of paragraph (ii), if it is still necessary to reduce Highly Compensated Employees’ Employee Contributions, then the procedure, the beginning of which is described in paragraphs (i) and (ii) above, shall continue until no further reductions are necessary; and

(iv)amounts determined pursuant to paragraphs (i) through (iii) above shall be combined. The resulting sum shall be the Excess 401(k) Contributions, and the portion of the total to be allocated to each affected Highly Compensated Employee shall be determined pursuant to paragraph (c) below.

(h)Allocation of Excess 401(k) Contributions. The amount of Excess 401(k) Contributions to be allocated to a Highly Compensated Employee for a Plan Year shall be determined by the following method:

(i)the Employee Contributions of the Highly Compensated Employee(s) with the highest dollar amount of Employee Contributions shall be reduced, as necessary, until either such Highly Compensated Employee’s dollar amount of Employee Contributions equals that of the Highly Compensated Employee(s) with the next highest dollar amounts of Employee Contributions, or until no unallocated Excess 401(k) Contributions remain;

(ii)following the application of paragraph (i), if unallocated Excess 401(k) Contributions remain, then Employee Contributions of the Highly Compensated Employees with the highest and second highest dollar amount(s) of Employee Contributions shall be reduced, as necessary, until either such Highly Compensated Employees’ dollar amount of Employee Contributions equal those of the Highly Compensated Employee(s) with the third highest dollar amount(s) of Employee Contributions, or until no unallocated Excess 401(k) Contributions remain;

(iii)following the application of paragraph (ii), if unallocated Excess 401(k) Contributions remain, then the procedure, the beginning of which is described in paragraphs (i) and (ii), shall continue until no further reductions are necessary; and

(iv)Excess 401(k) Contributions in an amount equal to the reduction of Employee Contributions determined in paragraphs (i) through (iii) above with respect to a Highly Compensated Employee shall be allocated to that Highly Compensated Employee and, as determined by the Committee, distributed pursuant to paragraph (e) below.

(i)Character of Excess 401(k) Contributions. The Excess 401(k) Contributions of a Highly Compensated Employee shall be deemed to consist of Contributions and allocations as determined according to the following order:

(i)first, the Highly Compensated Employee’s Excess 401(k) Contributions shall be deemed to consist of Employee Contributions, if any, which exceed the highest rate or amount at which Employee Contributions are matched; provided, however, such Contributions shall be offset by any Excess Elective Deferrals distributable to the Employee pursuant to Section 5.2; and

(ii)second, the Highly Compensated Employee’s Excess 401(k) Contributions shall be deemed to consist of any Employee Contributions and any Qualified Matching Contributions, each in proportion to the Highly Compensated Employee’s total Employee Contributions and Qualified Matching Contributions for the Plan Year; provided, however, any Employee Contributions characterized as Excess 401(k) Contributions under this paragraph shall be offset by any Excess Elective Deferrals distributable to the Employee pursuant to Section 5.2 and not taken into account under paragraph (a)(i) above.

(j)Distribution of Excess 401(k) Contributions. If, pursuant to paragraph (a)(ii) above, the Committee elects to distribute Excess 401(k) Contributions, which shall then be treated as Annual Additions (adjusted for Earnings) to Highly Compensated Employees, then the Committee shall make such distributions in accordance with the following timing restrictions:

(i)on or before the date which falls two and one-half (2 1/2) months after the last day of the Plan Year for which such Excess 401(k) Contributions were made, to avoid liability for the Federal excise tax and state excise tax, if applicable, which will be imposed on Excess 401(k) Contributions distributed after such date; and

(ii)in any event, such Excess 401(k) Contributions shall be distributed before the last day of the Plan Year next following the Plan Year for which such Excess 401(k) Contributions were made.

(k)Adjustment for Earnings. After the Committee has determined the aggregate amount and character of Excess 401(k) Contributions to be distributed to a given Highly Compensated Employee, then that amount shall be adjusted for Earnings through the end of the Plan Year to which the Excess 401(k) Contributions relate. The Earnings allocable to Excess 401(k) Contributions shall be calculated by the Committee using any reasonable method for computing the Earnings allocable to Excess 401(k) Contributions; provided, however, that the method shall not violate Code Section 401(a)(4), and that the method shall be used consistently for all similarly-situated Eligible Participants, for all corrective distributions under the Plan for the Plan Year, and for allocating Earnings to Eligible Participants’ Accounts.

(l)Matching Contributions Related to Excess 401(k) Contributions. Any Matching Contributions attributable to Excess 401(k) Contributions, plus any Earnings allocable thereto, shall be forfeited and applied as provided in Section 6.2.

5.5Discrimination Testing of Matching Contributions.Notwithstanding anything contained in the Plan to the contrary, the Plan must meet the nondiscrimination requirements of Code Section 401(a)(4) with respect to the amount of Matching Contributions made to the Plan. Such requirements will be met if the Plan satisfies the nondiscrimination tests set forth in Code Section 401(m)(2), Income Tax Regulations section 1.401(m)-2, and other applicable guidance issued by the Internal Revenue Service under Code Section 401(m). Subsequent guidance is incorporated herein by reference. In satisfying the nondiscrimination tests set forth in Code Section 401(m)(2), the current year method will be used.

(e)Definitions.

(vii)Actual Contribution Percentage (“ACP”). “Actual Contribution Percentage” or “ACP” means, with respect to each Eligible Participant, the Eligible Participant’s Contribution Percentage Amount, divided by his or her Compensation for that Plan Year;

(viii)Average ACP. “Average ACP” means the average of the ACPs of the Eligible Participants in a group.

(ix)Contribution Percentage Amount. “Contribution Percentage Amount” means the sum of Matching Contributions and Qualified Matching Contributions (if such Qualified Matching Contributions are not included in the ADP Test) made under the Plan on behalf of an Eligible Participant for the Plan Year. In addition, to the extent elected by the Committee for purposes of calculating the ACP test, “Contribution Percentage Amount” may also include Qualified Nonelective Contributions, Employee Contributions, and/or pre-tax and/or qualified nonelective contributions under other Plans of the Employer (subject to such requirements as may be prescribed by the Secretary of the Treasury); provided, however, that the amount of Qualified Nonelective Contributions, Employee Contributions and/or pre-tax contributions under other Plans of the Employer used in calculating the ADP test may not be used in calculating the ACP test. Such Contribution Percentage Amount shall not include Matching Contributions that are forfeited either to correct Excess Matching Contributions or because the Contributions to which they relate are Excess Elective Deferrals or Excess 401(k) Contributions.

(x)Excess Matching Contributions. “Excess Matching Contributions” means with respect to any Plan Year, the excess of (A) the aggregate amount of Contributions actually taken into account in computing the Average ACP of Highly Compensated Employees for such Plan Year, over (B) the maximum amount of such Contributions permitted by the ACP test.

(f)ACP Test. One of the following tests shall be satisfied for each Plan Year:

(v)the Average ACP for Eligible Participants who are Highly Compensated Employees for such Plan Year shall not exceed the Plan Year’s Average ACP for Eligible Participants who were Non-Highly Compensated Employees for the Plan Year multiplied by one and twenty-five one-hundredths (1.25); or

(vi)the Average ACP for Eligible Participants who are Highly Compensated Employees for such Plan Year shall not exceed the Plan Year’s Average ACP for Eligible Participants who wereNon-Highly Compensated Employees for the Plan Year multiplied by two (2); provided, however, that the Average ACP for Eligible Participants who are Highly Compensated Employees does not exceed the Average ACP for Eligible Participants who were Non-Highly Compensated Employees for the Plan Year by more than two (2) percentage points.

5.6Corrective Procedure for Discriminatory Matching Contributions.

(e)The Committee shall have the power to take any and all steps it deems necessary or appropriate to ensure compliance with the limitations described in Section 5.5(b), including, without limitation, the following:

(vii)distributing vested Excess Matching Contributions to Highly Compensated Employees who received such allocations, pursuant to paragraph (e) below;

(viii)treating that portion of Excess Matching Contributions that consists of unvested allocations of Matching Contributions to the Matching Contributions Accounts of Highly Compensated Employees as amounts to be reallocated, pursuant to paragraph (d) below;

(ix)limiting the amount of Matching Contributions allocated to the Matching Contributions Accounts of Highly Compensated Employees;

(x)accepting from the Employer a Qualified Nonelective Contribution for Eligible Participants who are Non-Highly Compensated Employees. If Qualified Nonelective Contributions are made by the Employer in its sole discretion pursuant to this Section, such contributions shall be made solely to those Eligible Participants who are Non-Highly Compensated Employees employed on the last day of the Plan Year and to those who are Non-Highly Compensated Employees when they ceased to be Eligible Participants during the Plan Year due to a transfer of employment to a foreign subsidiary of the Company that resulted in such Employee no longer being on the United States payroll of a Participating Employer. Notwithstanding the foregoing, an otherwise Eligible Participant who incurs a Disability during the Plan Year or whose employment with the Employer terminates as a result of death, or Normal Retirement or Early Retirement shall, for purposes of this Section, be deemed to have been employed by the Participating Employer on the last day of the Plan Year. The amount to be allocated will be determined on a pro-rata basis in proportion to the Compensation of such Eligible Participants for the Plan Year.

(f)Notwithstanding any contrary provisions in this Plan, if, pursuant to paragraph (a)(i) or (ii) above, the Committee elects to distribute or reallocate Excess Matching Contributions (adjusted for Earnings), then the Committee shall take such action(s) on or before the date which falls two and one-half (2½) months after the last day of the Plan Year for which such Excess Matching Contributions were made, if the Employer wishes to avoid liability for the Federal excise tax and state excise tax, if applicable, which will be imposed on Excess Matching Contributions distributed or reallocated after such date, but in any event, before the last day of the Plan Year next following the Plan Year for which such Contributions were made.

(g)Determination of Amount of Excess Matching Contributions. The amount of Excess Matching Contributions for Highly Compensated Employees for a Plan Year shall be determined by the following method, to enable the Plan to satisfy the ACP test:

(iii)first, the allocations of Contributions taken into account in determining the ACP (“ACP Allocations”) of the Highly Compensated Employee with the highest ACP shall be reduced, as necessary, until such Employee’s ACP equals those of the Highly Compensated Employee(s) with the second highest ACP;

(iv)second, following the application of paragraph (i), if it is still necessary to reduce Highly Compensated Employees’ ACP Allocations, then the Contributions of Highly Compensated Employees with the highest and second highest ACPs shall be reduced, as necessary, until each affected Employee’s ACP equals that (those) of the Highly Compensated Employee(s) with the third highest ACP;

(v)third, following the application of paragraph (ii), if it is still necessary to reduce Highly Compensated Employees’ ACP Allocations, then the procedure, the beginning of which is described in paragraphs (i) and (ii), shall continue until no further reductions are necessary; and

(vi)fourth, amounts determined pursuant to paragraphs (i) through (iii) shall be combined. The resulting sum shall be the Excess Matching Contributions, and the portion of the total to be allocated to each affected Highly Compensated Employee shall be determined pursuant to paragraph (d) below.

(h)Allocation of Excess Matching Contributions. The amount of Excess MatchingContributions to be allocated to a Highly Compensated Employee for a Plan Year shall be determined by the following method to enable the Plan to satisfy the ACP test:

(iii)first, the ACP Allocations of the Highly Compensated Employee(s) with the highest dollar amount of ACP Allocations shall be reduced, as necessary, until either such Employee’s dollar amount of ACP Allocations equals those of the Highly Compensated Employee(s) with the second highest dollar amount of ACP Allocations or until no ACP Allocations remain;

(iv)second, following the application of paragraph (i), if unallocated ACP Allocations remain, then ACP Allocations of Highly Compensated Employees with the highest and second highest dollar amount of ACP Allocations shall be reduced, as necessary, until either each affected Employee’s dollar amount of ACP Allocations equals that (those) of the Highly Compensated Employee(s) with the third highest dollar amount of ACP Allocations, or until no ACP Allocations remain;

(v)third, following the application of paragraph (ii), if unallocated ACP Allocations remain, the procedure, the beginning of which is outlined in paragraphs (i) and (ii), shall continue until no further reductions are necessary, or until no further unallocated ACP Allocations remain; and

(vi)fourth, Excess MatchingContributions in an amount equal to the reductions of ACP Allocations determined in paragraphs (i) through (iii) above with respect to a Highly Compensated Employee shall be allocated to that Highly Compensated Employee and, as determined by the Committee, distributed pursuant to paragraph (e) below.

(i)Distribution of Excess Matching Contributions. After the procedure outlined in paragraph (d) above is completed, all amounts of Excess Matching Contributions shall be forfeited (if forfeitable) or distributed (if distributable) to the respective Highly Compensated Employees to whose Accounts the Excess Matching Contributions were made. Excess Matching Contributions for each affected Highly Compensated Employee shall be forfeited (if forfeitable) or distributed (if distributable) from the following Accounts in the following order:

(i)the Highly Compensated Employee’s Matching Contributions Account;

(ii)the Highly Compensated Employee’s Qualified Nonelective Contributions Account;

(iii)the Highly Compensated Employee’s Qualified Matching Contributions Account;

(iv)the Highly Compensated Employee’s Employee Contributions Account.

(j)Adjustment for Earnings. After the Committee has determined the aggregate amount and character of Excess Matching Contributions to be forfeited or distributed to a given Highly Compensated Employee, then that amount shall be adjusted for Earnings. Earnings shall be calculated through the end of the Plan Year to which the Excess Matching Contributions relate. The Earnings allocable to Excess Matching Contributions shall be calculated by the Committee using any reasonable method for computing the Earnings allocable to Excess Matching Contributions; provided, however, that the method shall not violate Code Section 401(a)(4), and that the method shall be used consistently for all similarly-situated Participants, for all corrective distributions under the Plan for the Plan Year, and for allocating Earnings to Participants’ Accounts.

ARTICLE VIVESTING AND FORFEITURES

6.1Vested Interest.

(h)A Participant’s interest in his or her Employee Contributions Account, Catch-Up Contributions Account, Matching Contributions Account, Safe Harbor Match Account, Rollover Contributions Account, Prior ESOP Account and Prior Match Account under this Plan shall be at all times fully vested and nonforfeitable.

(i)A Participant’s interest in his or her Money Purchase Pension Account, ESOP Account and Profit Sharing Account shall be fully vested and nonforfeitable upon the Participant’s Normal Retirement, Covered Termination, death, or Disability, provided that the Participant is employed by the Employer immediately prior to such time. For purposes of this Section 6.1(b), a “Covered Termination” means a termination of an Eligible Participant’s employment within twenty-four (24) months following a Change in Control, as that term is defined in the SVB Financial Group Change in Control Severance Plan (“CIC Plan”) that is either (i) a voluntary termination for Good Reason or (ii) an involuntary termination other than for Cause. For purposes of the preceding sentence, the terms Good Reason and Cause generally shall have the meanings given those terms in the CIC Plan except that each Eligible Participant shall be treated as if covered (i.e., as a “Covered Employee”) under the CIC Plan solely for purposes of applying the definitions of Good Reason and Cause under this Plan.

(j)In all other cases, a Participant’s Interest in his or her Money Purchase Pension Account, ESOP Account and Profit Sharing Account shall be subject to the following vesting schedule:

Years of ServiceVested Percentage

Less than 1 year    0%

1 year but less than 2 years    20%

2 years but less than 3 years    40%

3 years but less than 4 years    60%

4 years but less than 5 years    80%

5 years or more    100%

(k)The crediting of service shall be subject to the following rules:

(vii)If a Participant who has voluntarily terminated or has been discharged returns to employment and is credited with an hour of service on or before incurring a Break in Service, then that Participant shall receive credit for the time elapsed during that absence.

(viii)If a Participant is absent for a reason other than termination or discharge and then voluntarily terminates or is discharged, then to receive credit for the time elapsed during that absence, the Participant must be credited with one (1) hour of service by the date that is the first anniversary of the first day of the absence.

(ix)If a Participant has a Break in Service of five (5) years or more, then service after such Break in Service shall not be taken into account for purposes of determining the nonforfeitable percentage of the Participant’s vested Account balance that accrued prior to such Break in Service.

(x)If a Participant has less than one (1) Year of Service, then service prior to a Break in Service shall not be taken into account for purposes of determining the nonforfeitable percentage of the Participant’s vested Account balance if the period of severance equals or exceeds the Participant’s service before such period of severance.

(l)If the vesting schedule is subsequently amended, then in the case of an Employee who is a Participant as of the later of the date such amendment is adopted or the date it becomes effective, the nonforfeitable percentage (determined as of such date) of such Employee’s Employer-derived accrued benefit will not be less than the percentage computed under the Plan without regard to such amendment. In addition, if the amended vesting schedule provides less rapid vesting, if the Plan is amended in any way that directly or indirectly affects the computation of the Participant’s nonforfeitable percentage, or if the Plan is deemed amended by an automatic change to a Top-Heavy vesting schedule (described in Article XI), then each Participant who is credited with three (3) Years of Service and whose Account(s) would have vested more rapidly prior to the amendment, may irrevocably elect during the election period to have the nonforfeitable percentage of his or her Account(s), as applicable, calculated without regard to such amendment. For purposes of this Section, the election period shall begin the date the amendment is adopted, and shall end on the date sixty (60) days after the latest of: (i) the date the amendment is adopted, (ii) the date the amendment becomes effective, or (iii) the date the Participant is issued written notice of the amendment by the Administrator or the Employer.

6.2Forfeitures.

(h)If a Participant is required to take a distribution pursuant to Section 7.9 (the “cash-out rule”), then, following the Participant’s Severance Date, the Participant shall receive a distribution of the value of the entire vested portion of his or her Account balance in accordance with Article VII. The nonvested portion of the Participant’s Account balance shall be treated as a forfeiture as of the earlier of: (i) the date on which the distribution occurs, or (ii) the last day of the Plan Year in which the Participant incurs five (5) consecutive one (1)-year Breaks in Service. For purposes of this Section, if the value of a Participant’s vested Account balance is zero (0), then the Participant shall be deemed to have received a distribution of such vested Account balance.

(i)If a Participant has the option to elect and does not elect to receive the value of his or her vested Account balance following his or her Severance Date in accordance with the requirements of Section 7.9, then the nonvested portion of the Participant’s Account balance shall be treated as a forfeiture as of the day that the Participant incurs five (5) consecutive one (1)-year Breaks in Service.

(j)If a Participant is not fully vested in his or her Account, and that Participant receives a distribution in accordance with the requirements of Section 7.9 and subsequently resumes employment with a Participating Employer, then that Participant’s partially-vested Account balance shall be restored to the amount on the Valuation Date preceding the date of distribution; provided, however, that the Participant repays to the Plan the full amount of the distribution attributable to partially-vested Contributions before the earlier of five (5) years after the Participant’s reemployment commencement date, or the date the Participant incurs five (5) consecutive one (1)-year Breaks in Service following the date of the distribution. If a Participant is deemed to receive a distribution pursuant to paragraph (a) above, and the Participant resumes employment covered under the Plan before the date the Participant incurs five (5) consecutive one (1)-year Breaks in Service, then, upon the Participant’s reemployment commencement date, the partially-vested Account balance of the Participant shall be restored to the amount on the Valuation Date preceding the date of such deemed distribution. The funds for effecting the restoration of the Account shall be drawn out of forfeitures or from a special Contribution to the Plan made by the Company, or, if so determined by the Company, by the Participating Employer that last employed the Participant. The amount contributed to the Participant’s Account for the purpose of effecting such restoration shall not be considered to be part of the Annual Additions to the Account of such Participant for the Plan Year of restoration or any subsequent Plan Year.

(k)Any amounts forfeited pursuant to this Section, any amounts attributable to forfeitures transferred pursuant to the merger of another tax-qualified plan with this Plan, and any other amounts to be treated as forfeitures under the Plan, shall be applied, to: (i) restore Accounts pursuant to paragraph (c) above; and then (ii) reduce the Company’s contribution obligation or to pay administrative expenses as directed by the Committee.

ARTICLE VIIDISTRIBUTION OF ACCOUNTS

7.1Termination of Employment. Following a Participant’s severance from employment for any reason, the Participant may elect to have his or her vested Account balance distributed in accordance with this Article VII.

7.2Disability. If a Participant incurs a Disability, then that Participant may elect a distribution of his or her vested Account in accordance with this Article VII.

7.3Death Benefits. If a Participant dies before the entire vested balance of his or her Account has been distributed, then the vested balance in his or her Account shall be paid to the Participant’s Beneficiary in accordance with this Article VII.

7.4Change to a Leased Employee. If a Participant experiences a change in employment status to that of a Leased Employee and he or she continues to work for any Employer, such change will not be treated as a severance from employment with the Employer for purposes of receiving a distribution under the Plan.

7.5Beneficiary Designation.

(a)If the Participant is married, then the Participant’s Beneficiary shall be his or her Surviving Spouse. However, the Participant may designate a Beneficiary other than his or her Spouse (in accordance with the Committee’s procedures at such time); provided, however, that: (i) the Participant’s Spouse consents to such designation and to the form thereof (in accordance with the Committee’s procedures at such time); (ii) such Beneficiary designation may not be changed without Spousal Consent; and (iii) the Spouse’s consent acknowledges the effect of such Beneficiary designation and is witnessed by a Plan representative or a notary public (if required by applicable law). Any Spousal Consent or the establishment that Spousal Consent cannot be obtained shall only apply to the particular Spouse involved.

(b)If, at the time of the Participant’s death, the Participant has no Surviving Spouse or designated Beneficiary, then the Participant’s Beneficiary shall be the Participant’s child(ren), parent(s), sibling(s), and the individual representative of the Participant’s estate (in that order).

(c)A Participant’s Beneficiary shall be bound by the terms and conditions of the Plan. The designations, consents and the like required pursuant to this Section shall be executed in accordance with the Committee’s procedures at such time.

7.6Form of Distribution.Distributions shall be in the form of cash, or if a Participant so elects, in the form of whole shares of Company Stock and cash in lieu of fractional shares to the extent invested in Company Stock, except for amounts attributable to the Participant’s Money Purchase Pension Account as described in Appendix B.

7.7Form of Benefit. A Participant’s vested Account balance shall be paid to the Participant or the Participant’s Beneficiary in the form of a single lump sum, except in the case of amounts attributable to a Participant’s Money Purchase Pension Account as described in Appendix B below.

7.8Commencement of Distribution. Subject to this Article VII, following a Participant’s severance from employment, the Participant’s vested Account balance shall be distributed in accordance with the Committee’s procedures, and shall be subject to the following:

(a)if the Participant’s vested Account balance does not exceed One Thousand Dollars ($1,000) (including amounts attributable to Rollover Contributions) at the time of the distribution, and if the Participant does not elect to have such distribution paid directly to an Eligible Retirement Plan specified by the Participant in a Direct Rollover or to receive the distribution directly in accordance with this Section and Section 7.10, then the Participant shall receive a lump sum distribution of the entire vested portion of such Account balance and the nonvested portion shall be treated as a forfeiture;

(b)if the Participant’s vested Account balance exceeds One Thousand Dollars ($1,000) but does not exceed Five Thousand Dollars ($5,000) (including amounts attributable to Rollover Contributions) at the time of the distribution, and if the Participant does not elect to have such distribution paid directly to an Eligible Retirement Plan specified by the Participant in a Direct Rollover or to receive the distribution directly in accordance with this Article VII, then the Administrator will pay the distribution in a Direct Rollover to an individual retirement plan designated by the Administrator; or

(c)if the Participant’s vested Account balance exceeds Five Thousand Dollars ($5,000) at the time of the distribution, then the Participant must consent, in writing, prior to the distribution.

7.9Direct Rollovers and Withholding.

(a)    Definitions.

(xi)Direct Rollover. “Direct Rollover” means an Eligible Rollover Distribution paid directly to an Eligible Retirement Plan for the benefit of a Distributee.

(xii)Distributee. “Distributee” means a Participant, a Surviving Spouse of a deceased Participant, a Spouse entitled to payment under a Qualified Domestic Relations Order, or for the limited purpose described in paragraph (iv) below, a non-Spouse designated Beneficiary.

(xiii)Eligible Retirement Plan. “Eligible Retirement Plan” means:

(A)with respect to any Distributee, a qualified trust described in Code Section 401(a), an individual retirement account described in Code Section 408(a), a Roth IRA described in Code Section 408A, an individual retirement annuity (other than an endowment contract) described in Code Section 408(b), an annuity contract described in Code Section 403(b) or an eligible plan under Code Section 457(b) which is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state and which agrees to separately account for amounts transferred to such plan from this Plan; and

(B)with respect to a non-Spouse designated Beneficiary, an individual retirement account described in Code Section 408(a), an individual retirement annuity described in Code Section 408(b) or a Roth individual retirement account described in Code Section 408A established for the purpose of receiving a distribution on behalf of the non-Spouse designated Beneficiary of the Participant in accordance with Code Section 402(c)(11).

(xiv)Eligible Rollover Distribution. “Eligible Rollover Distribution” means any distribution of all or any portion of the balance credited to the Account of a Distributee, except that an Eligible Rollover Distribution shall not include: (A) any distribution that is one of a series of substantially equal periodic payments (made not less frequently than annually) made for the life (or life expectancy) of the Distributee or the joint lives (or joint life expectancies) of the Distributee and the Distributee’s designated Beneficiary, or for a specified period of ten (10) years or more; (B) any distribution to the extent such distribution is required under Code Section 401(a)(9); (C) the portion of any distribution that is not includable in gross income (determined without regard to the exclusion for net unrealized appreciation with respect to Employer securities); and (D) any amounts distributed as a result of a hardship distribution in accordance with Section 8.1.

(b)    General Rule. If the Distributee of any Eligible Rollover Distribution from the Plan elects to have all or a specified portion of the Eligible Rollover Distribution paid directly to an Eligible Retirement Plan, and specifies the Eligible Retirement Plan to which the Eligible Rollover Distribution is to be paid, then the Eligible Rollover Distribution shall be paid to that Eligible Retirement Plan in a Direct Rollover.

7.10Minimum Distribution Requirements.

(a)Incorporation by Reference of 401(a)(9) Regulations. Distributions under the Plan will be made in accordance with Code Section 401(a)(9), including the incidental benefit requirement of Code Section 401(a)(9)(G) and Income Tax Regulations sections 1.401(a)(9)-2 through 9. The provisions of this Section reflecting Code Section 401(a)(9) override any distribution options in the Plan inconsistent with Code Section 401(a)(9).

(b)Required Beginning Date. Notwithstanding anything to the contrary in this Plan, a Participant may not defer commencement of his or her benefits past his or her Required Beginning Date. A Participant’s Required Beginning Date is April 1 of the calendar year following the later of (i) the calendar year in which the Participant attains age 70-1/2 or (ii) the calendar year in which the Participant has a severance from employment with the Employer; provided, however, that the Required Beginning Date of a Participant who is a 5% owner will be determined without regard to clause (ii).

(c)Distributions for Participants Who Have Reached Their Required Beginning Date. If a Participant has attained his or her Required Beginning Date, payment of the Participant’s benefits will be made over the life expectancy of that Participant or over the life expectancy of that Participant and his or her designated Beneficiary, determined in accordance with the applicable table contained in the applicable Income Tax Regulations under Code Section 401(a)(9).

(d)401(a)(9) Deferral Limitations for Beneficiaries.

(i)Death After Required Beginning Date. If a Participant dies on or after the Participant’s Required Beginning Date, the remaining portion of that Participant’s Account will be distributed to the Beneficiary in a single lump sum payment, with the exception of amounts attributable to a Participant’s Money Purchase Pension Account as described in Appendix B.

(ii)Death Before Required Beginning Date. Subject to paragraph (iii) below, if the Participant dies before the Participant’s Required Beginning Date, distribution of the Participant’s entire Account will be made in a single lump sum by December 31 of the calendar year containing the fifth anniversary of the Participant’s death, with the exception of amounts attributable to a Participant’s Money Purchase Pension Account as described in Appendix B.

(iii)Surviving Spouse. If the sole Beneficiary is the Participant’s Surviving Spouse, the date distributions are required to begin to the Surviving Spouse will not be earlier than December 31 of the calendar year in which the Participant would have attained age 70-1/2. If the Surviving Spouse dies before distribution is made, distribution will be made to the Spouse’s beneficiary in a single lump sum at any time prior to December 31 of the calendar year containing the fifth anniversary of the Surviving Spouse’s death.

(e)Timing. Subject to Income Tax Regulation section 1.411(a)-11(c)(7) and the provisions of this Plan, benefits will become payable no later than 60 days after the last to occur of (a) the last day of the Plan Year in which the Participant attains age 65, (b) the last day of the Plan Year in which the Participant separates from employment with the Employer, or (c) the 10th anniversary of the last day of the Plan Year in which the Participant commenced participation in the Plan, unless the Participant elects otherwise.

(f)2009 Required Minimum Distributions. Notwithstanding any Plan provision to the contrary, Participants or Beneficiaries who would have been required to receive required minimum distributions for calendar year 2009 did not receive those distributions for calendar year 2009 in accordance with Code Section 401(a)(9)(H) unless an election was made by such Participant or Beneficiary to receive such distributions in accordance with procedures established by the Committee.

7.11Distribution to Minor or Incompetent. If any individual to whom a benefit is payable under the Plan is a minor, or if the Committee determines that any individual to whom a benefit is payable under the Plan is incompetent to receive such payment or to give a valid release thereof, then the Committee may direct that such distribution be paid to the legal guardian, or, if none, to a parent of such minor or incompetent, or a responsible adult with whom the minor or incompetent resides, or to a custodian for a minor under the Uniform Transfers to Minors Act (or other statutes of similar relevance), if permitted by the laws of the state in which the minor or incompetent resides. Payment to the legal guardian, parent or custodian of a minor Beneficiary shall fully discharge the Trustee, the Employer, the Administrator, the Committee, and the Plan from liability on account thereof.

7.12Location of Participant or Beneficiary Unknown. If a Participant or Beneficiary who is entitled to a distribution cannot be located and the Committee has made reasonable efforts (in accordance with Department of Labor guidelines) to locate the Participant or Beneficiary, then the Participant’s or Beneficiary’s interest shall be forfeited and used as set forth in Section6.2. If the Participant or Beneficiary makes a claim for the Account (such claim shall be made in accordance with the Committee’s procedures at such time) subsequent to the forfeiture, then the Employer shall cause the Account to be reinstated.

ARTICLE VIIIHARDSHIPS. LOANS. IN-SERVICE WITHDRAWALS

8.1Hardship Withdrawals.

(m)Upon hardship of an Eligible Participant (as set forth in this Section), that Eligible Participant shall, under the direction of the Committee, receive a withdrawal from the Participant’s vested Accounts (excluding his or her Money Purchase Pension Account, Safe Harbor Match Account, Qualified Matching Contributions Account and Qualified Nonelective Contributions Account); provided, however, that such withdrawal shall not include Earnings. The ordering of Accounts from which distributions under this section shall be made will be determined by the Committee. Distributions from the underlying investments within each Account will be made on a pro-rata basis unless otherwise determined by the Committee. An Eligible Participant shall be entitled to a hardship distribution only if he or she is an Employee and if the distribution is both: (i) made on account of an immediate and heavy financial need of the Participant (as defined in paragraph (b) below), and (ii) necessary to satisfy such financial need (as defined in paragraph (c) below). The Participant shall furnish the Committee with satisfactory proof, as determined by the Committee, that the hardship distribution meets the requirements of paragraphs (b) and (c) below. There is no limit on the number or frequency of hardship withdrawals, and the minimum amount of any hardship withdrawal shall be One Thousand Dollars ($1,000).

(n)An immediate and heavy financial need shall be deemed to include any one or more of the following:

(i)expenses incurred or necessary for medical care (described in Code Section 213(d)) for the Eligible Participant, his or her Spouse, his or her primary Beneficiary, or any dependents of the Participant (as defined in Code Section 152);

(ii)costs (excluding mortgage payments) relating to the purchase of a principal residence for the Eligible Participant;

(iii)payment of tuition, related educational fees and room and board expenses, for up to the next twelve (12) months of post secondary education for the Eligible Participant, his or her Spouse, his or her primary Beneficiary, children, or dependents (as defined in Code Section 152);

(iv)payments necessary to prevent the eviction of the Eligible Participant from his or her principal residence or foreclosure on the mortgage or deed of trust on that principal residence;

(v)payment of burial or funeral expenses for the Participant’s deceased parents, Spouse, his or her primary Beneficiary, children or dependents (as defined in Code Section 152 and without regard to Section 152(d)(1)(B));

(vi)payment of expenses for the repair of damage to the Participant’s principal residence that would qualify for the casualty deduction under Code Section 165 (determined without regard to whether the loss exceeds 10% of adjusted gross income); or

(vii)such other payments, costs, or expenses, as permitted under the safe harbor hardship provisions of the Code or the applicable validly issued guidance thereunder.

(o)A distribution shall be considered as necessary to satisfy an immediate and heavy financial need of the Participant only if:

(i)the Participant has obtained all distributions, other than hardship distributions, and all nontaxable loans under all plans maintained by the Employer;

(ii)the Participant is prohibited from making Employee Contributions and Catch-Up Contributions to this Plan for six (6) months after the receipt of the hardship distribution. In addition, the Participant must be prohibited from making elective contributions and employee contributions to all other plans (under the terms of each such plan, or by an otherwise legally enforceable agreement) of the Employer for at least six (6) months after receipt of the hardship distribution; and

(iii)the distribution is not in excess of the amount of an immediate and heavy financial need (including amounts necessary to pay any Federal, state or local income taxes or penalties reasonably anticipated to result from the distribution).

8.2Loans.

(g)The Committee may direct the Trustee to make loans to Participants who are Employees and to parties-in-interest (as defined in ERISA Section 3(14)) with respect to the Plan who are non-Employee Participants or Beneficiaries of deceased Participants (a “Loan Applicant”), provided that:

(v)such loans are available on a reasonably equivalent basis;

(vi)such loans are not made available to Highly Compensated Employees, officers or shareholders in an amount greater than the amount made available to other Employees;

(vii)such loans bear a reasonable rate of interest;

(viii)such loans are adequately secured; and

(ix)a Loan Applicant’s aggregate outstanding loans shall not exceed the lesser of (A) fifty percent (50%) of the present value of the Loan Applicant’s vested Account, or (B) Fifty Thousand Dollars ($50,000) reduced by the excess, if any, of (1) the highest principal amount of the Loan Applicant’s aggregate outstanding loans (including defaulted loans) under all tax-qualified plans of the Employer at any time during the immediately preceding twelve (12) months, over the aggregate principal amount outstanding under such loans on the date the new loan is made, plus (2) the amount of unpaid accrued interest on a defaulted loan.

(h)The Committee shall adopt policies and guidelines in compliance with ERISA and the Code which establish and detail the terms of Plan loans hereunder, and which shall be deemed a part of this Plan. The Committee may amend such policies and guidelines from time to time. A participant shall not be required to obtain Spousal Consent in order to take out a loan under the Plan, except to the extent the loan is funded through the Participant’s Money Purchase Pension Account.

8.3In-Service Withdrawals At and After Age Fifty-Nine and One-Half (59½). A Participant may withdraw all or a portion of his or her vested Account balance, except for amounts allocated to the Participant’s Money Purchase Pension Account, at any time subsequent to his or her attainment of age fifty-nine and one-half (59½). Any such withdrawal shall be in the amount specified by the Participant, up to the value of his or her vested Account balance. Notwithstanding the foregoing, a Participant may elect to have the portion of his or her withdrawal attributable to amounts invested in Company Stock be made in the form of whole shares and cash in lieu of fractional shares. The ordering of Accounts from which distributions under this section shall be made will be determined by the Committee. Distributions from the underlying investments within each Account will be made on a pro-rata basis unless otherwise determined by the Committee. There is no limit on the number or frequency of in-service withdrawals under this section, and the minimum amount of any such withdrawal under this section shall be One Thousand Dollars ($1,000).

8.4In-Service Withdrawals from Rollover Contributions Account. A Participant may withdraw all or a part of his or her Rollover Contributions Account at any time. Any such withdrawal shall be in the amount specified by the Participant up to the value of his or her Rollover Contributions Account balance. Notwithstanding the foregoing, a Participant may elect to have the portion of his or her withdrawal attributable to amounts invested in Company Stock be made in the form of whole shares and cash in lieu of fractional shares. Distributions from the underlying investments in the Participant’s Rollover Account will be made on a pro-rata basis unless otherwise determined by the Committee. There is no limit on the number or frequency of in-service withdrawals from a Participant’s Rollover Account, and the minimum amount of any such withdrawal shall be One Thousand Dollars ($1,000).

ARTICLE IXADMINISTRATION

9.1Committee. The Company, through its authorized delegate, has appointed a 401(k) and ESOP Committee (referred to in this document as the “Committee”) to administer the Plan.

9.2Power. The Committee described above has full discretionary authority to carry out its assigned functions. The Committee may delegate its discretionary authority and such duties and responsibilities as it deems appropriate to facilitate the day-to-day administration of the Plan and, unless the Committee provides otherwise, such a delegation will carry with it the full discretionary authority to accomplish the delegation. Determinations the Committee or by that Committee’s delegate will be final and conclusive upon all persons. The functions of the Committee include the following:

(k)Administration. The Committee has full discretionary authority to administer and interpret the Plan, including discretionary authority to determine eligibility for participation and for benefits under the Plan, to correct errors to the extent practicable, to construe ambiguous terms, to employ advisors, and to authorize expenditures from Plan assets.

(l)Investment. The Committee has full discretionary authority to appoint one or more investment managers, to establish procedures for investment of amounts for which no investment direction is given, to monitor and oversee the investment of Plan assets, to establish investment policies, to appoint, remove and replace third party service providers, and to authorize expenditures from Plan assets.

(m)Employee Benefits Claim Review. The Committee has full discretionary authority to exercise the powers outlined in the Plan’s claims procedures, as described in the Plan’s Summary Plan Description.

9.3Expenses. All proper expenses incurred in administering the Plan may be paid from the Trust if not paid by the Company. If expenses are initially paid by the Company, the Company may be reimbursed from the Trust. Committee members will receive no compensation for their services to the Plan as Committee members. Notwithstanding any provision in the Plan to the contrary, to the extent that the Plan is lawfully reimbursed for the costs of administration by a third party recordkeeper, a trustee, or any third party other than the Company, the Plan will be responsible for the costs of Plan administration.

9.4Participant-Directed Accounts. The Plan is intended to provide participant-directed investments that are designed so that the Plan satisfies the requirements under ERISA Section 404(c). Each Participant shall have the right to direct the investment of his or her Accounts among such investments as are authorized by the Committee, subject to such procedural guidelines as the Committee shall establish from time to time. The Committee shall establish such procedures in such time, frequency, form and manner, as it deems appropriate or necessary for Participants to invest their Account balances in accordance with this Section and the Plan. Investments, including Participant elections to invest in Company Stock, shall be subject to such restrictions, limitations and administrative procedures as are imposed by the Committee, pursuant to their discretionary authority to administer and interpret the Plan, including, but not limited to, procedures for investment of amounts for which no investment direction is given by a Participant.

9.5Domestic Relations Orders.

(e)Definitions.

(vii)Alternate Payee. “Alternate Payee” means any Spouse, former Spouse, child or other dependent (within the meaning of Code Section 152) of a Participant who is recognized by a Domestic Relations Order as having a right to receive any immediate or deferred payment of all or a portion of the balance credited to a Participant’s Account under the Plan.

(viii)Domestic Relations Order or Order. “Domestic Relations Order” or “Order” means any judgment, decree or order (including approval of a property settlement agreement) which provides or otherwise conveys, pursuant to applicable state domestic relations laws (including community property laws), child support, alimony payments or marital property rights to an Alternate Payee.

(ix)Qualified Domestic Relations Order. “Qualified Domestic Relations Order” means any Domestic Relations Order that meets the following requirements:

(A)such Order establishes (or otherwise recognizes the existence of) the right of an Alternate Payee to receive all or a portion of the vested balance credited to a Participant’s Account under the Plan;

(B)such Order specifies (1) the name and last known mailing address of the Participant, (2) the name and last known mailing address of each Alternate Payee covered by such Order, (3) the amount or percentage of the Participant’s vested Account balance under the Plan payable to each such Alternate Payee or the manner in which such amount or percentage is to be calculated, and (4) any other requirement set forth in ERISA Section 206(d)(3) or Code Section 414(p); and such Order does not require the Plan to (1) provide any type or form of benefit or option not otherwise available to the Participant under the Plan, (2) provide increased benefits not otherwise payable to the Participant under the Plan, or (3) pay benefits to an Alternate Payee which are required to be paid to another Alternate Payee pursuant to any Qualified Domestic Relations Orders previously issued with respect to the Participant’s Account under the Plan.

(f)A distribution to an Alternate Payee authorized by a Qualified Domestic Relations Order may be made even if the affected Participant would not be eligible to receive a similar distribution from the Plan at that time. The Committee or its authorized delegate has full discretionary authority to determine whether a domestic relations order is “Qualified” within the meaning of Code Section 414(p). Rights and benefits provided to a Participant or Beneficiary are subject to the rights and benefits of an Alternate Payee. With the exception of amounts attributable to a Participant’s Money Purchase Pension Account, if any, the only form of payment available to an Alternate Payee is a single lump sum. Additional rules pertaining to QDROs are described in the QDRO Procedures for the Plan.

ARTICLE XAMENDMENT, TERMINATION OR MERGER.

10.1Amendment.

(n)The Company shall have full power and authority to amend the provisions of the Plan for any reason, at any time, to such extent and in such manner as the Company shall deem advisable, in accordance with its normally established procedures. The Company may delegate such power, in whole or in part, to one or more individuals or committees (comprised of officers or other managerial personnel of the Company).

(o)The Committee has been delegated the full power and authority to execute amendments to (i) clarify any provision of the Plan, (ii) bring the Plan into compliance with applicable law, (iii) provide for the continued tax-qualified status of the Plan, or (iv) amend the Plan and other related documents as deemed necessary or appropriate by the Committee (and any member of the Committee is authorized to execute such amendment or other related document); provided that no such amendment results in a significant financial impact on the Company.

(p)An amendment shall become effective, in accordance with its terms, as to all Participants and all other persons having or claiming an interest under the Plan, upon the effective date specified in the instrument evidencing such amendment. However, no such amendment shall operate to: (i) cause any part of the Trust to revert to or to be recoverable by a Participating Employer or to be used for, or diverted to, purposes other than the exclusive benefit of Participants and their Beneficiaries (or for defraying the reasonable administrative expenses of the Plan); (ii) reduce the then outstanding balances in the Accounts of Participants; or (iii) affect, reduce or eliminate any benefits which are protected benefits pursuant to Code Section 411(d)(6), except as permitted under Income Tax Regulations Section 1.411(d)-4.

10.2Termination of Plan.

(d)The Company may terminate this Plan at any time for any reason by resolution adopted by the Board, or its authorized delegate, but the Trust may neither thereby be diverted from the exclusive benefit of the Participants, their Beneficiaries, survivors or estates (other than for defraying the reasonable administrative expenses of the Plan), nor revert to a Participating Employer.

(e)Upon termination of the Plan (as determined by the Company or its authorized delegate) or the complete discontinuance of Employer contributions under the Plan (as determined by the Company), the Accounts of each Participant shall be nonforfeitable. The Administrator shall distribute each Participant’s Accounts to the Participant pursuant to Article VII as soon as administratively feasible after the termination.

(f)Upon a partial termination of the Plan (as determined by the Company or the Administrator) the Accounts of each affected Participant shall be nonforfeitable.

10.3Merger.

(a)The Committee shall have the full power and authority to effect from time to time, upon such terms and conditions deemed appropriate, the merger of any and all tax-qualified defined contribution plans (and related tax-exempt trusts) maintained by entities acquired by the Company into the Plan and Trust, and to take any and all such actions, and prepare, execute, and deliver all such documents as may be necessary or advisable to effect any and all such plan and related trust mergers.

(b)Nothing contained herein shall prevent the merger or consolidation of the Plan with, or transfer of assets or liabilities of the Plan to, another plan meeting the requirements of Code Section 401(a) or the transfer to the Plan of assets or liabilities of another such plan so qualified under the Code. Any such merger, consolidation or transfer shall be accompanied by the transfer of such existing records and information as may be necessary or appropriate to properly allocate such assets among Participants, including, without limitation, any tax or other information necessary for the Participants or persons administering the plan that is receiving such assets. The terms of such merger, consolidation or transfer must be such that (if the Plan had then terminated), the requirements of this Article would be satisfied and each Participant (or, if applicable, his or her Beneficiary or an Alternate Payee) would receive a benefit immediately after the merger, consolidation or transfer equal to or greater than the benefit he or she would have received if the Plan had terminated immediately before the merger, consolidation or transfer. Notwithstanding any provision in this Plan to the contrary, any amounts transferred to the Plan as a result of such merger, consolidation or transfer shall, to the extent the benefits accrued under the transferor plan are protected benefits under Code Section 411(d)(6) be preserved under this Plan, and shall not in any way be affected, reduced or eliminated, except as permitted under Income Tax Regulations Section 1.411(d)-4.

ARTICLE XITOP-HEAVY PROVISIONS

11.1Purpose. This Article is intended to ensure that the Plan complies with Code Section 416. Code Section 416 and the applicable Income Tax Regulations are herein incorporated by reference. If the Plan is or becomes Top-Heavy in any Plan Year, then the provisions of this Article shall supersede any conflicting provision in the Plan.

11.2Definitions.

(c)Determination Date. “Determination Date” means the last day of the preceding Plan Year.

(d)Key Employee. “Key Employee” means any Employee or former Employee (including the Beneficiaries of such Employee and any deceased Employee) who at any time during the Plan Year that includes the Determination Date, was (i) an officer of the Employer having annual Compensation greater than the amount in effect under Code Section 416(i)(1)(A), as adjusted by the Secretary of the Treasury under Code Section 415(d) ; (ii) a five percent (5%) owner of the Employer; or (iii) a one percent (1%) owner of the Employer who has annual compensation of more than One Hundred Fifty Thousand Dollars ($150,000). For purposes of this Section, compensation has the meaning given by Code Section 416(i)(1)(D) and shall be based only on compensation that is actually paid. A determination of who constitutes a Key Employee shall be made in accordance with Code Section 416(i)(1) and the applicable Income Tax Regulations and other guidance of general applicability issued thereunder.

(e)Non-Key Employee. “Non-Key Employee” means any Employee who is not a Key Employee.

(f)Permissive Aggregation Group. “Permissive Aggregation Group” means the Required Aggregation Group of plans plus any other plan(s) of the Employer that, when considered as a group with the Required Aggregation Group, would continue to satisfy the requirements of Code Sections 401(a)(4) and 410.

(g)Required Aggregation Group. “Required Aggregation Group” means:

(v)each tax-qualified plan of the Employer in which at least one (1) Key Employee participates or participated during the Plan Year ending on the Determination Date (regardless of whether the plan has terminated); and

(vi)any other tax-qualified plan of the Employer that enables a plan described in paragraph (i) above to meet the requirements of Code Section 401(a)(4) or 410.

(h)Top-Heavy Plan. “Top-Heavy Plan” means this Plan, if, for any Plan Year, any of the following conditions exists:

(iv)the Top-Heavy Ratio for this Plan exceeds sixty percent (60%) and this Plan is not part of any Required Aggregation Group or Permissive Aggregation Group of plans;

(v)this Plan is part of a Required Aggregation Group of plans but not part of a Permissive Aggregation Group and the Top-Heavy Ratio for the Required Aggregation Group exceeds sixty percent (60%); or

(vi)this Plan is part of a Required Aggregation Group and part of a Permissive Aggregation Group of plans and the Top-Heavy Ratio for both the Permissive Aggregation Group and the Required Aggregation Group exceeds sixty percent (60%).

(i)Top-Heavy Ratio. “Top-Heavy Ratio” means:

(i)if the Employer maintains one or more defined contribution plans (including any simplified employee pension plan) and the Employer has not maintained any defined benefit plan that during the one (1)-year period ending on the Determination Date(s) has or has had accrued benefits, then the Top-Heavy Ratio for this Plan alone or for the Required or Permissive Aggregation Group, as appropriate, is a fraction, the numerator of which is the sum of the Account balances of all Key Employees as of the Determination Date(s) (including any part of any Account balance distributed in the one (1)-year period ending on the Determination Date(s)), and the denominator of which is the sum of Account balances (including any part of any Account balance distributed in the one (1)-year period ending on the Determination Date(s)), both computed in accordance with Code Section 416. Both the numerator and denominator of the Top-Heavy Ratio are increased to reflect any contribution not actually made as of the Determination Date, but which is required to be taken into account on that date under Code Section 416. Notwithstanding the foregoing, in the case of a distribution of a portion of a Participant’s Account balance that is made for a reason other than severance from employment, death or Disability, the provisions of this paragraph shall be applied by substituting “five (5)-year period” for “one (1)-year period.”

(ii)if the Employer maintains one or more defined contribution plans (including any simplified employee pension plan) and the Employer maintains or has maintained one or more defined benefit plans that during the one (1)-year period ending on the Determination Date(s) has or has had any accrued benefits, then the Top-Heavy Ratio for any Required or Permissive Aggregation Group as appropriate, is a fraction, the numerator of which is the sum of Account balances under the aggregated defined contribution plan or plans for all Key Employees, determined in accordance with paragraph (i) above, and the present value of accrued benefits under the aggregated defined benefit plan or plans for all Key Employees as of the Determination Date(s), and the denominator of which is the sum of Account balances under the aggregated defined contribution plan or plans for all participants, determined in accordance with paragraph (i) above, and the present value of accrued benefits under the defined benefit plan or plans for all participants as of the Determination Date(s), all determined in accordance with Code Section 416. The accrued benefits under a defined benefit plan in both the numerator and denominator of the Top-Heavy Ratio are increased for any distribution of an accrued benefit made in the one (1)-year period ending on the Determination Date. Notwithstanding the foregoing, in the case of a distribution of a portion of a Participant’s Account balance that is made for a reason other than severance from employment, death or Disability, the provisions of this paragraph shall be applied by substituting “five (5)-year period” for “one (1)-year period.”

(iii)for purposes of paragraphs (i) and (ii) above, the value of Account balances and the present value of accrued benefits shall be determined as of the last day of the most recent Plan Year that falls within or ends with the twelve (12) month period ending on the Determination Date, except as provided in Code Section 416 for the first and second plan years of a defined benefit plan. The Account balances and accrued benefits of a participant (1) who is not a Key Employee but who was a Key Employee in a prior year, or (2) who has not been credited with at least one (1) hour of service with any Employer maintaining the Plan at any time during the one (1)-year period ending on the Determination Date shall be disregarded. The calculation of the Top-Heavy Ratio, and the extent to which distributions, rollovers, and transfers are taken into account shall be made in accordance with Code Section 416. When aggregating plans, the value of Account balances and accrued benefits shall be calculated with reference to the Determination Dates that fall within the same calendar year.

The accrued benefit of a Participant other than a Key Employee shall be determined under (1) the method, if any, that uniformly applies for accrual purposes under all defined benefit plans maintained by the Employer, or (2) if there is no such method, as if such benefit accrued not more rapidly than the slowest accrual rate permitted under the fractional rule of Code Section 411(b)(1)(C).

11.3Minimum Allocation.

(g)Except as otherwise provided in paragraphs (b) and (c) below, in any Plan Year that the Plan is Top-Heavy, Employer contributions (other than Employee Contributions and Catch-Up Contributions) allocated to the Accounts of each Participant who is a Non-Key Employee, shall be not less than the lesser of (i) three percent (3%) of the Non-Key Employee’s Compensation, or (ii) in the case where the Employer has no defined benefit plan which designates this Plan to satisfy Code Section 401(a), the largest percentage of Contributions (other than Catch-Up Contributions) and forfeitures (if applicable), as a percentage of Compensation allocated on behalf of any Key Employee for that Plan Year.

(h)The provisions in paragraph (a) above shall not apply to any Participant who was not employed by the Employer on the last day of the Plan Year.

(i)The provisions in paragraph (a) above shall not apply to any Participant to the extent the Participant is covered under any other qualified plan or plans of the Employer that provide the minimum allocation described above.

(j)The minimum allocation required (to the extent required to be nonforfeitable under Code Section 416(b)) cannot be forfeited under Code Section 411(a)(3)(B) or (D).

ARTICLE XIIMISCELLANEOUS

12.1Military Service. Notwithstanding any provision of this Plan to the contrary, contributions, benefits and service credit with respect to qualified military service shall be provided in accordance with Code Section 414(u). If a Participant dies on or after January 1, 2007 while performing qualified military service (as defined in Code Section 414(u)), the Beneficiary of that Participant is entitled, to the extent required by Code Section 401(a)(37), to any additional benefits provided under the Plan as if the Participant had resumed employment on the date immediately before his or her date of death and then terminated employment on account of death.

12.2Legal or Equitable Action. If any legal or equitable action with respect to the Plan is brought by or maintained against any individual(s), and the results of such action are adverse to that individual(s), attorney’s fees and all other direct and indirect expenses and costs incurred by the Employer, each Participating Employer, the Company (including, without limitation, the Board and the Compensation Committee), the Administrator, the Committee, the Trustee, and/or the Trust of defending or bringing such action shall, to the extent permitted by law, be charged against the interest, if any, of such individual(s) under the Plan.

12.3No Enlargement of Plan Rights. Each individual agrees, as a condition of participation in the Plan, that he or she shall look solely to the assets of the Trust for the payment of any benefit under the Plan.

12.4No Enlargement of Employment Rights. Nothing appearing in or done pursuant to the Plan shall be construed to give any individual a legal or equitable right or interest in the assets of the Trust or distribution therefrom (except as expressly provided in the Plan), nor against any Participating Employer (except as expressly provided in the Plan), or to create or modify any contract of employment between a Participating Employer and any Employee or to obligate a Participating Employer to continue the services of any Employee.

12.5Interpretation. The headings contained in this Planor in any Appendix hereto, are for reference purposes only, and shall not affect in any way the meaning or interpretation of the Plan. Any capitalized term used in any Appendix hereto, but not otherwise defined therein, shall have the meaning assigned to such term in the Plan. The masculine pronoun shall include the feminine pronoun and the singular the plural, where the context so indicates.

12.6Notices and Form of Communication. Notwithstanding anything in the Plan to the contrary, in any instance where an action (including, without limitation, notices, instruments, elections, applications, and communications) by an Eligible Employee, a Participant, a Beneficiary, an Alternate Payee, the Administrator, the Company, a Participating Employer, or any other person or entity is required to be in writing such action may be satisfied in such form as the Committee or the Company, as applicable, may specify, including, without limitation, electronic or telephonic methods, but only to the extent permitted by law. All such actions (including notices, instruments, elections, applications, and communications) to be filed under the Plan shall be filed with the person or entity designated by the Company or the Committee, as applicable. Each such action shall be effective only upon actual receipt by the designated person or entity.

12.7Governing Law. The Plan shall be construed, administered and governed in all respects in accordance with ERISA, the Code and other pertinent Federal laws and, to the extent not preempted by ERISA, in accordance with the laws of the State of California (irrespective of the choice of law principles of the State of California as to all matters); provided, however, that if any provision is susceptible to more than one interpretation, such interpretation shall be given thereto as is consistent with the Plan being a tax-qualified plan and related tax-exempt trust under Code Sections 401(a) and 501(a), respectively.

12.8Non-Alienation of Benefits. None of the benefits, payments, proceeds or claims of any Participant under the Plan shall be subject to any claim or any creditor of any Participant and, in particular, the same shall not be subject to attachment or garnishment or other legal process by any creditor of any Participant, nor shall any Participant have any right to alienate, anticipate, commute, pledge, encumber or assign any of the benefits, payments or proceeds which he or she is or may be entitled to receive from the Plan, other than:

(a)Federal tax levies and executions on Federal tax judgments;

(b)payments made from the Accounts of a Participant in satisfaction of the rights of Alternate Payees pursuant to a Qualified Domestic Relations Order under Section 9.5;

(c)enforcement of any security interests or offset rights applicable to the Account of a Participant pursuant to the loan provisions of Section 8.2; or

(d)any offset of a Participant’s Account under the Plan against an amount the Participant is ordered to pay due to a judgment or settlement described in Code Section 401(a)(13)(C).

12.9No Reversion. Notwithstanding any contrary provision of the Plan (except as provided in Section 6.2), no part of the assets in the Trust shall revert to the Employer, and no part of such assets, other than that amount required to pay taxes or reasonable administrative expenses of the Plan, shall be used for any purpose other than exclusive benefit of Participants or their Beneficiaries. However, upon the Committee’s request, the Trustee shall return the appropriate amount to a Participating Employer under any of the following circumstances, provided, however, any such excess amounts shall, to the extent permitted by law, be reduced to the extent there are negative Earnings attributable thereto:

(a)the amount was all or part of an Employer contribution that was made as a result of a mistake of fact and the amount contributed is returned to the Participating Employer within one (1) year after the date of the mistaken payment; or

(b)the amount was all or part of an Employer contribution that was conditioned on its deductibility under Code Section 404 (all contributions under the Plan are conditioned on their deductibility unless stated otherwise) and this condition is not satisfied, and the amount is returned to the Participating Employer within one (1) year after the date on which the deduction was disallowed.

12.10Conflict. In the event of any conflict between the Plan and the terms of any contract or agreement issued hereunder or with respect hereto, the Plan shall control.

12.11Severability. If any provision of the Plan, or the application thereof to any individual or circumstance, is deemed invalid or unenforceable by a court of competent jurisdiction, then the remainder of the Plan, or the application of such term or provision to individuals or circumstances other than those as to whom it is held invalid or unenforceable, shall not be affected thereby, and each provision of the Plan shall be valid and enforceable to the fullest extent permitted by law.

IN WITNESS WHEREOF, this document is hereby restated as of the Effective Date and executed on this 20^th day of December, 2013.

SVB FINANCIAL GROUP

By:    /s/ CHRIS EDMONDS-WATERS    

Name:     Chris Edmonds-Waters     

Title:     Head of Human Resources    

APPENDIX A

ESOP CONTRIBUTIONS

This Appendix sets forth the special provisions applicable only to Employee Stock Ownership Plan (the “ESOP”) portion of the Plan. The ESOP portion of the Plan is a non-leveraged employee stock ownership plan within the meaning of Code Section 4975(e)(7). The ESOP is maintained as a part of the Plan as authorized by Income Tax Regulation section 54.4975-11(a)(5). The ESOP is designed to invest primarily in employer securities as defined in Code Section 409(l).

A.1    Definitions.

The following additional definitions apply to the ESOP:

(a)    “ESOP” means the portion of the Plan that reflects each Participant’s interest in SVB Financial Group stock (“Company Stock”) attributable to ESOP Contributions made in accordance with Section 4.7. Company Stock constitutes employer securities within the meaning of Code Section 409(l).

(b)    “Dividend Record Date” means the date on which the registered shareholders of Company Stock are identified for purposes of determining eligibility to receive a declared dividend as of a specified Pay Date.

(c)    “Election” means the election made by a Participant (or deemed made) to have dividends paid on Company Stock under the ESOP paid as a cash distribution or retained in the ESOP.

(d)    “Pay Date” means the date on which dividends are paid to the registered shareholders of Company Stock determined as of a Dividend Record Date.

Capitalized terms used in this Appendix Athat are not defined herein shall have the meaning as those terms have in the Plan.

A.2.    Elections on Dividends.

(a)    General Rule. A Participant may make or change his or her Election at any time consistent with procedures established by the Committee prior to the date such Election becomes irrevocable with respect to a dividend (as determined by the Committee). A Participant’s Election shall remain in force until such Election is changed by the Participant consistent with procedures established by the Committee.

(b)    Default Election. If, as of the date a Participant’s Election applicable to a dividend paid as of a specific Pay Date would otherwise become irrevocable, the Participant does not have a valid election in place, as determined under the Committee’s procedures, such Participant shall be deemed to have elected to have any such dividend reinvested in the ESOP.

(c)    Timing. In no event shall a dividend subject to an Election that is paid to the ESOP be paid in a cash distribution to a Participant consistent with the Participant’s Election later than 90 days after the close of the Plan Year in which the dividend is paid.

(d)    Annual Additions. Dividends on Company Stock that are paid in a cash distribution to a Participant or reinvested in the ESOP, consistent with a Participant’s Election, are not treated as Annual Additions for purposes of Article V.

A.3.    Diversification.

A Participant may direct that all or any part of his or her interest in the ESOP be liquidated and reinvested in any of the investment options available under the non-ESOP part of the Plan. Transfers from the ESOP to other investment options are subject to the standard investment procedures established by the Committee for the non-ESOP part of the Plan.

A.4.Voting.

A Participant is authorized to direct the voting of Company Stock proportionate to his or her interest in the ESOP in accordance with procedures established by the Committee, the Trust Agreement and Code Section 409(e).

A.5.Distributions.

The standard distribution provisions of Article VII, including those applicable to distributions in Company Stock, govern distributions under the ESOP part of the Plan. As described in Article VII, the ESOP shall comply with Code Section 409(h) relating to the right of a Participant to demand that his or her benefits under the ESOP shall be distributed in the form of employer securities within the meaning of Code Section 409(l).

A.6.    Purchase of Shares.

The Trustee or a designated investment manager shall purchase shares of stock in the ESOP consistent with the provisions of the Trust Agreement.

A.7.Put Option.

If Company Stock is ever to be not readily tradable on an established securities market in accordance with federal and state securities laws and regulations, a Participant who receives a distribution of stock attributable to his or her interest in the ESOP shall have the right to require the Company to purchase the stock for its current value in accordance with the requirements of Code Section 409(h). Except as provided in the prior sentence or as may be required by applicable law, no stock may be subject to a put, call or other option or buy-sell or similar arrangement while held by, and when distributed from, the Plan.

A.8Prohibited Allocations.

The assets of the ESOP attributable to (or allocable in lieu of) employer securities acquired by the Plan in a sale to which Code Section 1042 applies cannot accrue (or be allocated directly or indirectly under any Code Section 401(a) plan of the Employer) for the benefit of persons specified in Code Section 409(n) during the non-allocation period defined in Code Section 409(n)(3)(C).

APPENDIX B

GUIDELINES FOR ANNUITY FORMS OF DISTRIBUTION

The provisions of this Appendix B are intended to set forth the guidelines for providing annuities as a form of distribution for amounts attributable solely to a Participant’s Money Purchase Pension Account under the Plan. Annuities shall only be offered as a form of distribution to Participants (or Surviving Spouses or Beneficiaries thereof, as applicable) with a Money Purchase Pension Account under the Plan to the extent required to comply with Code Section 411(d)(6).

B.1    Definitions.

(a)    “Annuity Starting Date” means the first day of the first period for which an amount is payable as an annuity or, in the case of a benefit not payable in the form of an annuity, the first day on which all the events have occurred that entitle the Participant (or his or her Surviving Spouse or Beneficiary, as applicable) to such benefit.

(b)    “Joint and Survivor Annuity” means an annuity under which joint and survivor benefits are paid to the Participant for his or her life and, following the Participant’s death, are paid to the Participant’s Surviving Spouse during the Surviving Spouse’s lifetime at a rate equal to fifty percent (50%) or seventy-five percent (75%) of the rate at which the benefits are payable to the Participant, provided that with respect to a Participant who is not married on the Annuity Starting Date, the Joint and Survivor Annuity is a single life annuity payable to the Participant. The Joint and Survivor Annuity is purchased with the distributable proceeds of a Participant’s Money Purchase Pension Account balance.

(c)    “Pre-Retirement Survivor Annuity” means an annuity for the life of the Participant’s Surviving Spouse purchased with the distributable portion of the Participant’s Money Purchase Pension Account balance.

Capitalized terms used in this Appendix Bthat are not defined herein shall have the meaning as those terms have in the Plan.

B.2    Special Rules Regarding Money Purchase Pension Accounts.

(a)    Pre-Retirement Survivor Annuity. Unless otherwise elected as provided below, a Participant who dies before his or her Annuity Starting Date and who has a Surviving Spouse will have his or her Money Purchase Pension Account balance paid to his or her Surviving Spouse in the form of a Pre-Retirement Survivor Annuity. Unless the Surviving Spouse consents to an earlier distribution, payment of the Pre-Retirement Survivor Annuity will begin within a reasonable time after the later of (i) the date the Participant would have attained his or her Normal Retirement age or (ii) the date that is 90 days after the death of the Participant.

(b)    Waiver of Pre-Retirement Survivor Annuity.

(i)    An election to waive the Pre-Retirement Survivor Annuity before the Participant’s death must be made by the Participant during the election period in writing and on a form prescribed therefore by the Committee, and will require the irrevocable Spousal Consent. A Participant may revoke such election at any time and any number of times during the period between the first day of the Plan Year in which the Participant attains age thirty-five (35) and the date of the Participant’s death.

(ii)    Notwithstanding the terms of any waiver regarding the form of death benefit, if the Surviving Spouse has not, at the time of the Participant’s death, properly consented to a non-Spouse Beneficiary, the Surviving Spouse may elect on a form provided by the Committee (A) to begin receiving the Pre-Retirement Survivor Annuity within a reasonable time following the later of the Participant’s death or the Surviving Spouse’s election, or (B) to receive a single sum distribution of the Participant’s Money Purchase Pension Account balance within a reasonable time following the later of the Participant’s death or the Surviving Spouse’s election. Any written election described in this Section must be obtained not more than ninety (90) days before distribution begins and will be made in accordance with the provisions of this Section.

(c)    Election Period. The election period to waive the Pre-Retirement Survivor Annuity will begin on the first day of the Plan Year in which the Participant attains age 35 and will end on the date of the Participant’s death. An earlier waiver (with Spousal Consent) may be made, but the waiver will become invalid at the beginning of the Plan Year in which the Participant attains age 35. When a Participant separates from service prior to the beginning of the election period, the election period will begin on the date of separation from service.

(d)    Notice of Election Rights. The Committee will provide Participants with an explanation of the election that meets the requirements of Code Section 417(a)(3)(B).

(e)    Joint and Survivor Annuity. Unless otherwise elected as provided below, a Participant who does not die before his or her Annuity Starting Date will receive his or her Money Purchase Pension Account balance in the form of a Joint and Survivor Annuity. The Joint and Survivor Annuity will begin within a reasonable time after the Participant’s Annuity Starting Date.

(f)    Election to Waive Joint and Survivor Annuity. An election to waive the Joint and Survivor Annuity must be made by the Participant during the election period in writing on a form provided by the Committee with Spousal Consent. An election to designate a Beneficiary or form of benefits may not be changed without Spousal Consent. An unmarried Participant may elect in writing during the election period on a form provided by the Committee to waive the Joint and Survivor Annuity. An election may be revoked by the Participant in writing without the consent of the Spouse at any time during the election period. The number of revocations will not be limited. Any new election must comply with the requirements of this paragraph.

(g)    Election Period. The election period to waive the Joint and Survivor Annuity is the ninety (90) day period ending on the Annuity Starting Date. A payment will not be considered to occur after the Annuity Starting Date when actual payment is reasonably delayed for calculation of the benefit amount.

(h)    Notice of Election Rights. The Committee will provide the Participant with an explanation of the election which meets the requirements of Code Section 417(a)(3)(A) (taking into account Code Section 417(a)(7)).

(i)    Effect of Waiver. If a proper waiver is executed with respect to a Participant, the Participant’s Money Purchase Pension Account balance can be distributed in the same form, at the same time, and subject to the same Beneficiary designation as all other amounts in the Plan with respect to the Participant.

(j)    Purchase of Annuities. Any costs associated with the purchase of annuity contracts under this Article will be charged against the distributable proceeds of the Participant’s Money Purchase Pension Account balance. After an annuity contract has been purchased, neither the Plan, the Committee, nor the Company will have any further obligation for payment of benefits attributable to the Participant’s Money Purchase Pension Account balance.

(k)    Small Amounts. If the value of a Participant’s entire benefit does not exceed Five Thousand Dollars ($5,000), including Rollover Contributions, (determined as of such times and in the manner as is required by Code Section 417), this Appendix B will not apply to the Participant.

(l)    Required Minimum Distributions. Distributions of amounts attributable to a Participant’s Money Purchase Pension Account will be made in accordance with Code Section 401(a)(9), including the incidental benefit requirement of Code Section 401(a)(9)(G) and Income Tax Regulations sections 1.401(a)(9)-2 through 9.

iv

#1369729

EX-10.33

Exhibit 10.33

Notice of Grant of Restricted Stock Award and Award Agreement	SVB FINANCIAL GROUP ID:  94-2875288 3003 Tasman Drive Santa Clara, CA 95054
Name Address City, State, Zip	Award Number: Plan:  2006 Equity Incentive Plan ID:

Grant Agreement:
Participant Name:
Employee ID:
Grant Number:
Number of Shares of Restricted Stock:
Date of Grant:
Purchase Price per Share:
Total Purchase Price:
Expiration Date:
Vesting Schedule:
	Vesting Date	Shares

Effective on the Date of Grant listed above, you have been granted an award of SVB Financial Group (the “Company”) Restricted Stock (the “Award”). These Shares are restricted until the Vesting Date(s) show above. The current total value of the Award is $ ____________ .

Shares in each period will vest in increments on the date(s) shown in the Vesting Schedule (“Vesting Dates”), subject to the Participant continuing to be a Service Provider through each such date.

By your acceptance and the Company’s signature below, you and the Company agree that this Award is granted under and governed by the terms and conditions of the Company’s 2006 Equity Incentive Plan and the Award Agreement, all of which are attached and made a part of this document.

SVB Financial Group	Date
Participant Name	Date

SVB FINANCIAL GROUP

RESTRICTED STOCK AWARD AGREEMENT

                SVB Financial Group (the “Company”), pursuant to its 2006 Equity Incentive Plan (the “Plan”), has awarded to Participant Shares of Restricted Stock.

                The Award hereunder is in connection with and in furtherance of the Company’s discretionary bonus program for participation of the Company’s Service Providers.  Defined terms not explicitly defined in this Award Agreement shall have the same definitions as in the Plan or in the Notice of Grant of Restricted Stock (“Notice of Grant”), to which this Award Agreement is attached.

                The details of your Award are as follows:

1.             TOTAL NUMBER OF SHARES SUBJECT TO THIS AWARD.  The total number of Shares subject to this Award is set forth in the Notice of Grant.

2.             FORFEITURE RESTRICTION.  Subject to the terms of Section 3(a), in the event Participant ceases to be a Service Provider for any or no reason (including death or Disability) before the respective Vesting Dates (as set forth in the Notice of Grant), Participant shall forfeit the then Unreleased Shares (defined below) to the Company.  Upon such forfeiture, the Company shall become the legal and beneficial owner of the Shares being forfeited and all rights and interests therein or relating thereto, and the Company shall have the right to retain and transfer to its own name the number of Shares being forfeited.

3.             RELEASE OF SHARES FROM FORFEITURE RESTRICTION.

    (a)             Subject to the limitations contained herein, the Shares will vest (be released) as set forth in the Notice of Grant until either (i) the Shares become fully vested or (ii) Participant ceases to be a Service Provider for any reason. Notwithstanding the foregoing, upon the occurrence of a Change in Control and subject to Participant’s “Covered Termination” (as defined in the Company’s Change in Control Severance Benefit Policy for Non-Executives), all then Unreleased Shares shall be released from the forfeiture restriction.   (The period beginning on the date of this Award Agreement and ending on each respective Vesting Date shall be referred to as the “Period of Restriction”).

(b)             Until the Shares have been released from the forfeiture restriction, they may be referred to herein as “Unreleased Shares.”

(c)             The Unreleased Shares may bear the following forfeiture restrictive legend:

“THE SHARES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO A RIGHT OF FORFEITURE IN FAVOR OF THE COMPANY, AS SET FORTH IN A STOCK AGREEMENT BETWEEN THE ISSUER AND THE ORIGINAL HOLDER OF THESE SHARES, A COPY OF WHICH MAY BE OBTAINED AT THE PRINCIPAL OFFICE OF THE ISSUER.”

(d)             The Share certificates representing the Shares, when released from the forfeiture restriction, shall be delivered to Participant pursuant to Section 4 of this Award Agreement.

4.             ISSUANCE OF SHARE CERTIFICATES.

(a)             The certificates evidencing the Shares shall be held in escrow by the secretary of the Company until the end of the respective Period of Restrictions (or earlier, upon a Covered Termination), at which time it shall be released to Participant by the Company in accordance with the provisions hereof.

(b)             At the end of each Period of Restriction, the Company shall cause the appropriate certificate representing the Shares (then released from the forfeiture restriction) to be delivered to Participant; provided, however that prior to such delivery Participant shall remit to the Company an amount sufficient to satisfy any federal, state and/or local withholding tax requirements in connection with the Shares then to be released.

(c)             Subject to the terms hereof, Participant shall have all the rights of a stockholder with respect to such Shares before the Shares are released from the forfeiture restriction, including without limitation, the right to vote the Shares and receive any cash dividends declared thereon.  In the event of any dividend or other distribution (whether in the form of cash, Shares, other securities, or other property), recapitalization, stock split, reverse stock split, reorganization, merger, consolidation, split-up, spin-off, combination, repurchase, or exchange of Shares or other securities of the Company, or other change in the corporate structure of the Company affecting the Shares, the Unreleased Shares will be increased, reduced or otherwise changed, and by virtue of any such change Participant will in his or her capacity as owner of Unreleased Shares be entitled to new or additional or different shares of stock, cash or securities (other than rights or warrants to purchase securities); such new or additional or different shares, cash or securities will thereupon be considered to be Unreleased Shares and will be subject to all of the conditions and restrictions which were applicable to the Unreleased Shares pursuant to this Award Agreement. If Participant receives rights or warrants with respect to any Unreleased Shares, such rights or warrants may be held or exercised by Participant, provided that until such exercise any such rights or warrants and after such exercise any shares or other securities acquired by the exercise of such rights or warrants will be considered to be Unreleased Shares and will be subject to all of the conditions and restrictions which were applicable to the Unreleased Shares pursuant to this Award Agreement. The Administrator in its absolute discretion at any time may accelerate the vesting of all or any portion of such new or additional shares of stock, cash or securities, rights or warrants to purchase securities or shares or other securities acquired by the exercise of such rights or warrants.

5.             ADJUSTMENTS.  All references to the number of Shares in this Award Agreement shall be appropriately adjusted to reflect any dividend or other distribution (whether in the form of cash, Shares, other securities, or other property), recapitalization, stock split, reverse stock split, reorganization, merger, consolidation, split-up, spin-off, combination, repurchase, or exchange of Shares or other securities of the Company, or other change in the corporate structure of the Company affecting the Shares occurs after the date of this Award Agreement.

6.             PARTICIPANT’S REPRESENTATIONS.

(a)Tax Consequences.  Participant has reviewed with Participant’s own tax advisors the federal, state, local and foreign tax consequences of this investment and the transactions contemplated by this Award Agreement.  Participant is relying solely on such advisors and not on any statements or representations of the Company or any of its agents.  Participant understands that Participant (and not the Company) shall be responsible for Participant’s own tax liability that may arise as a result of this investment or the transactions contemplated by this Award Agreement. 

(b)    Tax Withholding.Notwithstanding any contrary provision of this Award Agreement, no certificate representing the Shares of Restricted Stock may be released from the escrow established pursuant to Section 4, unless and until satisfactory arrangements (as determined by the Administrator) will have been made by Participant with respect to the payment of income, employment and other taxes which the Company determines must be withheld with respect to such Shares. To the extent determined appropriate by the Company in its discretion, it shall have the right (but not the obligation) to satisfy any tax withholding obligations by reducing the number of Shares otherwise deliverable to Participant.If Participant fails to make satisfactory arrangements for the payment of any required tax withholding obligations hereunder at the time any applicable Shares otherwise are scheduled to vest, Participant will permanently forfeit such Shares and the Shares will be returned to the Company at no cost to the Company.

7.             AWARD NOT A SERVICE CONTRACT.  This Award is not a guarantee of continued service and nothing in this Award shall be deemed to create in any way whatsoever any obligation on Participant’s part to continue in the service of the Company, or of the Company to continue Participant’s service with the Company.  In addition, nothing in this Award shall obligate the Company or any Affiliate, or their respective stockholders, Board of Directors, officers or employees to continue any relationship which Participant might have as a Service Provider for the Company or Affiliate.

8.           GOVERNING PLAN DOCUMENT.  This Award is subject to all the provisions of the Plan, a copy of which is attached hereto and its provisions are hereby made a part of this Award, including without limitation the provisions of Section 8 of the Plan relating to Restricted Stock provisions, and is further subject to all interpretations, amendments, rules and regulations which may from time to time be promulgated and adopted pursuant to the Plan.  In the event of any conflict between the provisions of this Award and those of the Plan, the provisions of the Plan shall control.

9.    ADDITIONAL CONDITIONS TO RELEASE FROM ESCROW. The Company will not be required to issue any certificate or certificates for Shares hereunder or release such Shares from the escrow established pursuant to Section 4 prior to fulfillment of all the following conditions: (a) the admission of such Shares to listing on all stock exchanges on which such class of stock is then listed; (b) the completion of any registration or other qualification of such Shares under any state or federal law or under the rulings or regulations of the Securities and Exchange Commission or any other governmental regulatory body, which the Administrator will, in its absolute discretion, deem necessary or advisable; (c) the obtaining of any approval or other clearance from any state or federal governmental agency, which the Administrator will, in its absolute discretion, determine to be necessary or advisable; and (d) the lapse of such reasonable period of time following the date of grant of the Restricted Stock as the Administrator may establish from time to time for reasons of administrative convenience.

10.             GENERAL PROVISIONS.

(a)             This Award Agreement and the Plan represent the entire agreement between the parties with respect to the receipt of the Shares by Participant. Modifications to this Award Agreement or the Plan can be made only in an express written contract executed by a duly authorized officer of the Company. Notwithstanding anything to the contrary in the Plan or this Award Agreement, the Company reserves the right to revise this Award Agreement as it deems necessary or advisable, in its sole discretion and without the consent of Participant, to comply with Section 409A of the Internal Revenue Code of 1986, as amended (the “Code”) or to otherwise avoid imposition of any additional tax or income recognition under Section 409A of the Code in connection to this Award of Restricted Stock.

(b)             The rights and benefits of the Company under this Award Agreement shall be transferable to any one or more persons or entities, and all covenants and agreements hereunder shall inure to the benefit of, and be enforceable by the Company’s successors and assigns.  The rights and obligations of Participant under this Award Agreement may only be assigned with the prior written consent of the Company.

(c)             Either party’s failure to enforce any provision or provisions of this Award Agreement shall not in any way be construed as a waiver of any such provision or provisions, nor prevent that party from thereafter enforcing each and every other provision of this Award Agreement.  The rights granted both parties herein are cumulative and shall not constitute a waiver of either party’s right to assert all other legal remedies available to it under the circumstances.

By Participant’s electronic signature on the Notice of Grant, Participant represents that this Award Agreement in its entirety has been reviewed, has had an opportunity to obtain the advice of counsel prior to executing this Award Agreement and fully understands all provisions of this Award Agreement.

11.             ELECTRONIC DELIVERY.The Company may, in its sole discretion, decide to deliver any documents related to Awards granted under the Plan or future Awards that may be granted under the Plan by electronic means or request Participant’s consent to participate in the Plan by electronic means. Participant hereby consents to receive such documents by electronic delivery and agrees to participate in the Plan through an on-line or electronic system established and maintained by the Company or another third party designated by the Company. Electronic execution of this Award Agreement and/or other documents shall have the same binding effect as a written or hard copy signature and accordingly, shall bind the Participant and the Company to all of the terms and conditions set forth in the Plan, this Award Agreement and/or such other documents.

12.             AUTHORIZATION TO RELEASE AND TRANSFER NECESSARY PERSONAL INFORMATION.The Participant hereby explicitly and unambiguously consents to the collection, use and transfer, in electronic or other form, of his or her personal data by and among, as applicable, the Company and its Affiliates for the exclusive purpose of implementing, administering and managing the Participant’s participation in the Plan. The Participant understands that the Company and its Affiliates may hold certain personal information about the Participant including, but not limited to, the Participant’s name, home address and telephone number, date of birth, social security number (or any other social or national identification number), salary, nationality, job title, number of Shares held and the details of all Awards or any other entitlement to Shares awarded, cancelled, vested, unvested or outstanding (the “Data”) for the exclusive purpose of implementing, administering and managing the Participant’s participation in the Plan.

The Participant understands that the Data will be transferred to a stock plan service provider selected by the Company to assist the Company with the implementation, administration and management of the Plan. The Participant understands that the recipients of the Data may be located in the United States or elsewhere, and that the recipients’ country (e.g., the United States) may have different data privacy laws and protections than the Participant’s country. The Participant understands that if he or she resides outside the United States, he or she may request a list with the names and addresses of any potential recipients of the Data by contacting his or her local human resources representative. The Participant authorizes the Company and any other possible recipients which may assist the Company (presently or in the future) with implementing, administering and managing the Plan to receive, possess, use, retain and transfer the Data, in electronic or other form, for the sole purpose of implementing, administering and managing his or her participation in the Plan. Furthermore, the Participant acknowledges and understands that the transfer of Data to the Company, its Affiliates or to any third party is necessary for his or her participation in the Plan. The Participant understands that Data will be held only as long as is necessary to implement, administer and manage his or her participation in the Plan. The Participant understands if he or she resides outside the United States, he or she may, at any time, view the Data, request additional information about the storage and processing of the Data, require any necessary amendments to the Data or refuse or withdraw the consents herein, in any case without cost, by contacting his or her local human resources representative in writing. Further, the Participant understands that he or she is providing the consents herein on a purely voluntary basis. If the Participant does not consent, or if the Participant later seeks to revoke his or her consent, his or her status as a Service Provider with the Employer will not be adversely affected; the only adverse consequence of refusing or withdrawing the Participant’s consent is that the Company would not be able to grant the Participant Restricted Stock or other equity awards or administer or maintain such awards. Therefore, the Participant understands that refusing or withdrawing his or her consent may affect the Participant’s ability to participate in the Plan. For more information on the consequences of refusal to consent or withdrawal of consent, the Participant understands that he or she may contact his or her local human resources representative.

13.    Acknowledgements. The Participant acknowledges and agrees to the following:

•the Plan is discretionary in nature and the Administrator may amend, suspend, or terminate it at any time;

•the grant of the Restricted Stock is voluntary and occasional and does not create any contractual or other right to receive future grants of Shares, or benefits in lieu of the Restricted Stock even if Shares have been granted in the past;

•all determinations with respect to such future Restricted Stock, if any, including but not limited to, the times when Restricted Stock shall be granted or when Restricted Stock shall vest, will be at the sole discretion of the Administrator;

•the Participant’s participation in the Plan is voluntary;

•the Shares subject to the Restricted Stock Award, and the income and value of same, are not part of normal or expected compensation for purposes of calculating any severance, resignation, termination, redundancy, dismissal, end-of-service payments, bonuses, long-service awards, pension or retirement or welfare benefits or similar payments;

•the future value of the Shares is unknown, indeterminable and cannot be predicted with certainty;

•no claim or entitlement to compensation or damages shall arise from forfeiture of the Restricted Stock resulting from the termination of the Participant's employment or other service relationship (for any reason whatsoever whether or not later found to be invalid or in breach of employment laws in the jurisdiction where the Participant is employed or the terms of the Participant’s employment agreement, if any), and in consideration of the grant of the Restricted Stock to which the Participant is otherwise not entitled, the Participant irrevocably agrees never to institute any claim against the Company,any of its Affiliates or the Employer;

•the Restricted Stock grant and the Participant’s participation in the Plan shall not create a right to employment or be interpreted as forming an employment or services contract with the Company, the Employer or any Affiliate and shall not interfere with the ability of the Company, the Employer or any Affiliate, as applicable, to terminate the Participant’s employment or service relationship (if any);

•unless otherwise provided in the Plan or by the Company in its discretion, the Restricted Stock and the benefits evidenced by this Award Agreement do not create any entitlement to have the Restricted Stock or any such benefits transferred to, or assumed by, another company nor be exchanged, cashed out or substituted for, in connection with any corporate transaction affecting the shares of the Company; and

•nothing herein contained shall affect the Participant’s right to participate in and receive benefits under and in accordance with the then current provisions of any pension, insurance or other Participant welfare plan or program of the Company or any Affiliate.

14.    No Advice Regarding Grant. The Company is not providing any tax, legal or financial advice, nor is the Company making any recommendations regarding the Participant’s participation in the Plan, or the Participant’s acquisition or sale of the Shares. The Participant is hereby advised to consult with his or her own personal tax, legal and financial advisors regarding his or her participation in the Plan before taking any action related to the Plan.

15.    Address for Notices. Any notice to be given to the Company under the terms of this Award Agreement will be addressed to the Company at 80 E Rio Salado Parkway Suite 600, Tempe, AZ 85281, Attn: Stock Administration, or at such other address as the Company may hereafter designate in writing.

16. Additional Conditions to Issuance of Stock. If at any time the Company will determine, in its discretion, that the listing, registration or qualification of the Shares upon any securities exchange or under any state, U.S. federal or foreign law, or the consent or approval of any governmental regulatory authority is necessary or desirable as a condition to the issuance of Shares to the Participant (or his or her estate), such issuance will not occur unless and until such listing, registration, qualification, consent or approval will have been effected or obtained free of any conditions not acceptable to the Company. Where the Company determines that the issuance of any Shares will violate U.S. federal or foreign securities laws or other applicable laws, the Company will defer delivery until the earliest date at which the Company reasonably anticipates that the delivery of Shares will no longer cause such violation. The Company will make all reasonable efforts to meet the requirements of any law or securities exchange and to obtain any such consent or approval of any such governmental authority.

17.    Administrator Authority. The Administrator will have the power to interpret the Plan and this Award Agreement and to adopt such rules for the administration, interpretation and application of the Plan as are consistent therewith and to interpret or revoke any such rules (including, but not limited to, the determination of whether or not any Shares have vested). All actions taken and all interpretations and determinations made by the Administrator in good faith will be final and binding upon Participant, the Company and all other interested persons. No member of the Administrator will be personally liable for any action, determination or interpretation made in good faith with respect to the Plan or this Award Agreement.

18.    Captions. Captions provided herein are for convenience only and are not to serve as a basis for interpretation or construction of this Award Agreement.

19.    Agreement Severable. In the event that any provision in this Award Agreement will be held invalid or unenforceable, such provision will be severable from, and such invalidity or unenforceability will not be construed to have any effect on, the remaining provisions of this Award Agreement.

20.    Compliance with Applicable Laws.The vesting of the Shares under the Plan and the issuance, transfer, assignment, sale, or other dealings of the Shares shall be subject to compliance by the Company (or any Affiliate) and the Participant with all Applicable Laws.

21.    Language. If the Participant has received this Award Agreement or any other document related to the Plan translated into a language other than English and if the meaning of the translated version is different than the English version, the English version will control.

22.    Governing Law. This Award Agreement will be governed by the laws of the State of California, without giving effect to the conflict of law principles thereof. For purposes of litigating any dispute that arises under this Award or this Award Agreement, the parties hereby submit to and consent to the jurisdiction of the State of California, and agree that such litigation shall be conducted in the courts of Santa Clara County, California, or the federal courts for the United States for the Northern District of California, and no other courts, where this Award is made and/or to be performed.

23.    Imposition of Other Requirements.    The Company reserves the right to impose other requirements on the Participant’s participation in the Plan, on the Award and on any Shares acquired under the Plan, to the extent the Company determines it is necessary or advisable for legal or administrative reasons, and to require the Participant to sign any additional agreements or undertakings that may be necessary to accomplish the foregoing.

-1-

EX-10.34

Exhibit 10.34

Notice of Grant of Incentive Stock Options and Award Agreement	SVB FINANCIAL GROUP ID:  94-2875288 3003 Tasman Drive Santa Clara, CA 95054
Name Address City, State, Zip	Option Number: Plan:  2006 Equity Incentive Plan ID:

Grant Agreement:
Participant Name:
Employee ID:
Grant Number:
Grant Type:
Date of Grant:
Option Price per Share:
Total Option Price:
Expiration Date:
Vesting Schedule:
	Vesting Date	Shares

Effective on the Date of Grant listed above, you have been granted an Incentive Stock Option to buy Shares of SVB Financial Group (the “Company”) stock at the Option Price listed in the Grant Agreement above (the “Option”). 

Shares in each period will become fully vested on the dates shown in the Vesting Schedule, subject to you continuing to be a Service Provider through each such date.

By your acceptance and the Company’s signature below, you and the Company agree that this Option is granted under and governed by the terms and conditions of the Company’s 2006 Equity Incentive Plan and the Award Agreement, all of which are attached and made a part of this document.

SVB Financial Group	Date
Participant Name	Date

SVB FINANCIAL GROUP

INCENTIVE STOCK OPTION AWARD AGREEMENT

                SVB Financial Group (the “Company”), pursuant to its 2006 Equity Incentive Plan (the “Plan”) and this Incentive Stock Option Award Agreement (the “Award Agreement”), has granted to Participant an Option to purchase shares of the Common Stock of the Company (“Shares”).  This Option is intended to qualify as an “incentive stock option” within the meaning of Section 422 of the Internal Revenue Code of 1986, as amended (the “Code”).

                The grant hereunder is in connection with and in furtherance of the Company’s compensatory benefit plan for participation of the Company’s Employees (including Officers), Directors or Consultants.  Defined terms not explicitly defined in this Award Agreement shall have the same definitions as in the Plan or in the Notice of Grant of Stock Options (“Notice of Grant”), to which this Award Agreement is attached.

                The details of your Option are as follows:

1.             TOTAL NUMBER OF SHARES SUBJECT TO THIS OPTION.  The total number of Shares subject to this Option is set forth in the Notice of Grant.

2.             VESTING.  Subject to the limitations contained herein, the Shares will vest (become exercisable) as set forth in the Notice of Grant until either (i) you cease to be a Service Provider for any reason, or (ii) this Option becomes fully vested.

3.             OPTION PRICE AND METHOD OF PAYMENT.

(a)           Option Price.  The Option Price per Share is the price set forth in the Notice of Grant, such price being not less than one hundred percent (100%) of the fair market value of the Common Stock on the Date of Grant of this Option.

(b)           Method of Payment.  Payment of the Option Price per Share is due in full upon exercise of all or any part of each installment which has accrued to you.  You may elect, to the extent permitted by Applicable Laws, to make payment of the Option Price under one of the following alternatives:

(i)            Payment of the Option Price per Share in cash (including check) at the time of exercise;

(ii)           Provided that at the time of exercise the Common Stock is publicly traded and quoted regularly in the Wall Street Journal, payment by delivery of already-owned Shares, held for the period required to avoid a charge to the Company’s reported earnings, and owned free and clear of any liens, claims, encumbrances or security interests, which Common Stock shall be valued at its fair market value on the date of exercise;

(iii)             Consideration received by the Company under a formal cashless exercise program adopted by the Company in connection with the Plan; or    

(iv)    Payment by a combination of the methods of payment permitted by Section 3(b)(i), (ii), and (iii) above.

4.             WHOLE SHARES.  This Option may only be exercised for whole Shares.

5.             SECURITIES LAW COMPLIANCE.  Notwithstanding anything to the contrary in the Plan or this Award Agreement, unless there is an available exemption from any registration, qualification or other legal requirement applicable to the Shares, the Company shall not be required to deliver any Shares issuable upon exercise of the Option prior to the completion of any registration or qualification of the Shares under any local, state, federal or foreign securities or exchange control law or under rulings or regulations of the U.S. Securities and Exchange Commission (“SEC”) or of any other governmental regulatory body, or prior to obtaining any approval or other clearance from any local, state, federal or foreign governmental agency, which registration, qualification or approval the Company shall, in its absolute discretion, deem necessary or advisable. You understand that the Company is under no obligation to register or qualify the Shares with the SEC or any state or foreign securities commission or to seek approval or clearance from any governmental authority for the issuance or sale of the shares. Further, you agree that the Company shall have unilateral authority to amend the Plan and the Award Agreement without your consent to the extent necessary to comply with securities or other laws applicable to issuance of shares.

6.             TERM.  The term of this Option commences on the Date of Grant and expires on the Expiration Date, unless this Option expires sooner as set forth below or in the Plan.  In no event may this Option be exercised on or after the Expiration Date.  This Option shall terminate prior to the Expiration Date as follows:  three (3) months after your termination as a Service Provider unless one of the following circumstances exists:

(a)           Your termination as a Service Provider is due to your Disability.  This Option will then expire on the earlier of the Expiration Date set forth above or twelve (12) months following such termination.  You should be aware that if your Disability is not considered a permanent and total disability within the meaning of Section 422(c)(6) of the Code, and you exercise this Option more than three (3) months following the date of your termination of service, your exercise will be treated for tax purposes as the exercise of a “nonstatutory stock option” instead of an “incentive stock option.”

(b)           Your termination as a Service Provider is due to your death.  This Option will then expire on the earlier of the Expiration Date set forth above or twelve (12) months after your death.

(c)           Your termination as a Service Provider is due to Cause (as defined in the Plan).  This Option will then expire on the date of such termination.

(d)           If during any part of such three (3)-month period you may not exercise your Option solely because of the condition set forth in Section 5 above, then your Option will not expire until the earlier of the Expiration Date set forth above or until this Option shall have been exercisable for an aggregate period of three (3) months after your termination as a Service Provider.

(e)           If your exercise of the Option within three (3) months after your termination as a Service Provider of the Company or of an Affiliate would result in liability under Section 16(b) of the Securities Exchange Act of 1934, then your Option will expire on the earlier of (i) the Expiration Date set forth above, or (ii) the tenth (10th) day after the last date upon which exercise would result in such liability.

                However, this Option may be exercised following your termination as a Service Provider only as to that number of Shares as to which it was exercisable on the date of termination under the provisions of Section 2 of this Option.

                In order to obtain the federal income tax advantages associated with an “incentive stock option,” the Code requires that at all times beginning on the date of grant of the Option and ending on the day three (3) months before the date of the Option’s exercise, you must be an employee of the Company or any Parent or Subsidiary of the Company, except in the event of your death or Disability.  The Company may provide for continued vesting or extended exercisability of your Option under certain circumstances for your benefit, but cannot guarantee that your Option will necessarily be treated as an “incentive stock option” if you provide services to the Company or any Parent or Subsidiary of the Company as a Consultant or exercise your Option more than three (3) months after the date your employment with the Company or any Parent or Subsidiary of the Company terminates.

7.             EXERCISE.

(a)           This Option is exercisable by (i) delivery of an exercise notice, in the form and manner determined by the Administrator, or (ii) following an electronic or other exercise procedure prescribed by the Administrator, which in either case shall state the election to exercise the Option, the number of Shares in respect of which the Option is being exercised, and such other representations and agreements as may be required by the Company pursuant to the provisions of the Plan. Participant shall provide payment of any applicable tax withholding arising in connection with such exercise. This Option shall be deemed to be exercised upon receipt by the Company of a fully executed exercise notice or completion of such exercise procedure, as the Administrator may determine in its sole discretion, accompanied by any applicable tax withholding.

(b)           By exercising this Option you agree that:

(i)            as a precondition to the completion of any exercise of this Option, the Company may require you to enter an arrangement providing for the payment by you to the Company of any tax withholding obligation of the Company arising by reason of (1) the exercise of this Option; (2) the lapse of any substantial risk of forfeiture to which the Shares are subject at the time of exercise; or (3) the disposition of Shares acquired upon such exercise; and

(ii)           you will notify the Company in writing within fifteen (15) days after the date of any disposition of any of the Shares issued upon exercise of this Option that occurs within two (2) years after the date of this Option grant or within one (1) year after such Shares are transferred upon exercise of this Option.

8.            CODE SECTION 409A. Under Code Section 409A, an Option that vests after December 31, 2004 (or that vested on or prior to such date but which was materially modified after October 3, 2004) that was granted with a per Share exercise price that is determined by the Internal Revenue Service (the “IRS”) to be less than the Fair Market Value of a Share on the date of grant (a “discount option”) may be considered “deferred compensation.” An Option that is a “discount option” may result in (i) income recognition by Participant prior to the exercise of the Option, (ii) an additional twenty percent (20%) federal income tax, and (iii) potential penalty and interest charges. The “discount option” may also result in additional state income, penalty and interest tax to the Participant. Participant acknowledges that the Company cannot and has not guaranteed that the IRS will agree that the per Share exercise price of this Option equals or exceeds the Fair Market Value of a Share on the date of grant in a later examination. Participant agrees that if the IRS determines that the Option was granted with a per Share exercise price that was less than the Fair Market Value of a Share on the date of grant, Participant shall be solely responsible for Participant’s costs related to such a determination.

9.    TRANSFERABILITY.  This Option is not transferable, except by will or by the laws of descent and distribution, and is exercisable during your life only by you.  Notwithstanding the foregoing, by delivering written notice to the Company, in a form satisfactory to the Company, you may designate a third party who, in the event of your death, shall thereafter be entitled to exercise this Option. The terms of this Award Agreement (including, without limitation, Section 6(b) relating to termination as a result of death) shall apply to your beneficiaries and executors and administrators including the right to agree to any amendment of the applicable Award Agreement.

10.    ACKNOWLEDGMENTS. You acknowledge and agree to the following:

•the Plan is discretionary in nature and the Administrator may amend, suspend, or terminate it at any time;

•the grant of this Option is voluntary and occasional and does not create any contractual or other right to receive future grants of options, or benefits in lieu of the options even if options have been granted in the past;

•all determinations with respect to future Option or other grants, if any, including but not limited to, the times when the Option shall be granted or when the Option shall vest, will be at the sole discretion of the Administrator;

•your participation in the Plan is voluntary;

•this Option and any Shares acquired under the Plan and the income and value of same, are not part of normal or expected compensation for purposes of calculating any severance, resignation, termination, redundancy, dismissal, end-of-service payments, bonuses, long-service awards, pension or retirement or welfare benefits or similar payments;

•the future value of the Shares is unknown, indeterminable, and cannot be predicted with certainty;

•if the underlying Shares do not increase in value, this Option will have no value;

•if you exercise this Option and acquire Shares, the value of such Shares may increase or decrease in value, even below the Option Price;

•neither the Plan nor the Option shall be construed to createa right to employment or be interpreted as forming an employment or service contract with the Company, your Employer or any Affiliate, and shall not interfere with the ability of the Company, the Employer or any Affiliate, as applicable, to terminate your status as a Service Provider (if any);

•no claim or entitlement to compensation or damages shall arise from forfeiture of this Option resulting from the termination of your status as a Service Provider (for any reason whatsoever, whether or not later found to be invalid or in breach of employment laws in the jurisdiction where you are employed or the terms of your employment agreement, if any), and in consideration of the grant of this Option to which you are otherwise not entitled, you irrevocably agree never to institute any claim against the Company, any of its Affiliates or the Employer;

•nothing herein contained shall affect your right to participate in and receive benefits under and in accordance with the then current provisions of any pension, insurance or other welfare plan or program of the Company or any Affiliate; and

•Unless otherwise provided in the Plan or by the Company in its discretion, this Option and the benefits evidenced by this Award Agreement do not create any entitlement to have this Option or any such benefits transferred to, or assumed by, another company nor to be exchanged, cashed out or substituted for, in connection with any corporate transaction affecting the Shares of the Company.

11.          AUTHORIZATION TO RELEASE AND TRANSFER NECESSARY PERSONAL INFORMATION. You hereby explicitly and unambiguously consent to the collection, use and transfer, in electronic or other form, of your personal data as described in this Award Agreement and any other Option grant materials by and among, as applicable, the Employer, the Company and its Affiliates for the exclusive purpose of implementing, administering and managing your participation in the Plan.

You understand that the Company and the Employer may hold certain personal information about you, including, but not limited to, your name, home address and telephone number, date of birth, social insurance number or other identification number, salary, nationality, job title, any shares of stock or directorships held in the Company, details of all options or any other entitlement to shares of stock awarded, canceled, exercised, vested, unvested or outstanding in your favor ("Data"), for the exclusive purpose of implementing, administering and managing the Plan.

You understand that Data will be transferred to a stock plan service provider selected by the Company to assist the Company with the implementation, administration and management of the Plan. You understand that the recipients of the Data may be located in the United States or elsewhere, and that the recipient’s country (e.g., the United States) may have different data privacy laws and protections than your country. You understand that if you reside outside the United States, you may request a list with the names and addresses of any potential recipients of the Data by contacting your local human resources representative. You authorize the Company and any other possible recipients which may assist the Company (presently or in the future) with implementing, administering and managing the Plan to receive, possess, use, retain and transfer the Data, in electronic or other form, for the sole purposes of implementing, administering and managing your participation in the Plan. You understand that Data will be held only as long as is necessary to implement, administer and manage your participation in the Plan. You understand that if you reside outside the United States, you may, at any time, view Data, request additional information about the storage and processing of Data, require any necessary amendments to Data or refuse or withdraw the consents herein, in any case without cost, by contacting in writing your local human resources representative. Further, you understand that you are providing the consents herein on a purely voluntary basis. If you do not consent, or if you later seek to revoke your consent, your status as a Service Provider with the Employer will not be adversely affected; the only adverse consequence of refusing or withdrawing your consent is that the Company would not be able to grant you options or other equity awards or administer or maintain such awards. Therefore, you understand that refusing or withdrawing your consent may affect your ability to participate in the Plan. For more information on the consequences of your refusal to consent or withdrawal of consent, you understand that you may contact your local human resources representative.

12.             OPTION NOT A SERVICE CONTRACT.  This Option is not a guarantee of continued service and nothing in this Option shall be deemed to create in any way whatsoever any obligation on your part to continue in the service of the Company, or of the Company to continue your service with the Company.  In addition, nothing in this Option shall obligate the Company or any Affiliate, or their respective stockholders, Board of Directors, officers or employees to continue any relationship which you might have as a Service Provider for the Company or Affiliate.

13.    COMPLIANCE WITH APPLICABLE LAWS. The vesting and exercise of the Option under the Plan and the issuance, transfer, assignment, sale, or other dealings of the Shares shall be subject to compliance by the Company (or any Affiliate) and you with all Applicable Laws.

14.          ELECTRONIC DELIVERY.  The Company may, in its sole discretion, decide to deliver any documents related to the Option awarded under the Plan or future Options that may be awarded under the Plan by electronic means or request your consent to participate in the Plan by electronic means. You hereby consent to receive such documents by electronic delivery and agree to participate in the Plan through an on-line or electronic system established and maintained by the Company or another third party designated by the Company. Electronic execution of this Award Agreement and/or other documents shall have the same binding effect as a written or hard copy signature and accordingly, shall bind you and the Company to all of the terms and conditions set forth in the Plan, this Award Agreement and/or such other documents.

15.          NOTICES.  Any notices provided for in this Option or the Plan shall be given in writing and shall be deemed effectively given upon receipt or, in the case of notices delivered by the Company to you, five (5) days after deposit in the United States mail, postage prepaid, addressed to you at the address specified below or at such other address as you hereafter designate by written notice to the Company.

16.          GOVERNING PLAN DOCUMENT.  This Option is subject to all the provisions of the Plan, a copy of which is attached hereto and its provisions are hereby made a part of this Option, including without limitation the provisions of Section 6 of the Plan relating to Option provisions, and is further subject to all interpretations, amendments, rules and regulations which may from time to time be promulgated and adopted pursuant to the Plan.  In the event of any conflict between the provisions of this Option and those of the Plan, the provisions of the Plan shall control.

17.NO ADVICE REGARDING GRANT. The Company is not providing any tax, legal or financial advice, nor is the Company making any recommendations regarding your participation in the Plan, or your acquisition or sale of the underlying Shares. You are hereby advised to consult with your own personal tax, legal and financial advisors regarding your participation in the Plan before taking any action related to the Plan.

18.AGREEMENT SEVERABLE. In the event that any provision in this Award Agreement will be held invalid or unenforceable, such provision will be severable from, and such invalidity or unenforceability will not be construed to have any effect on, the remaining provisions of this Award Agreement.

19.LANGUAGE. If you have received this Award Agreement or any other document related to the Plan translated into a language other than English and if the meaning of the translated version is different than the English version, the English version will control.

20.          STOCKHOLDER APPROVAL.  This Option is subject to stockholder approval of the Plan within twelve (12) months of the Plan adoption date.  If stockholder approval is not obtained within such twelve (12)-month period, this Option shall immediately terminate in its entirety.

21.GOVERNING LAW. This Award Agreement will be governed by the laws of the State of California, without giving effect to the conflict of law principles thereof. For purposes of litigating any dispute that arises under this Option or this Award Agreement, the parties hereby submit to and consent to the jurisdiction of the State of California, and agree that such litigation shall be conducted in the courts of Santa Clara County, California, or the federal courts for the United States for the Northern District of California, and no other courts, where this Option is made and/or to be performed.

22.IMPOSITION OF OTHER REQUIREMENTS. The Company reserves the right to impose other requirements on your participation in the Plan, this Option and on any Shares acquired under the Plan, to the extent the Company determines it is necessary or advisable for legal or administrative reasons, and to require you to sign any additional agreements or undertakings that may be necessary to accomplish the foregoing.

23.WAIVER. You acknowledge that a waiver by the Company of breach of any provision of this Award Agreement shall not operate or be construed as a waiver of any other provision of this Award Agreement, or of any subsequent breach by you or any other participant.

Notice of Exercise

SVB Financial Group
Attn:  Stock Administration
80 E Rio Salado Parkway Suite 600
Tempe, AZ 85281

I, _____________________ , elect to exercise the following SVB Financial Group stock option(s):

Grant	Grant	Type of	Number of Shares	Exercise Price	Aggregate
Number:	Date:	Option:	to be Exercised:	Per Share:	Exercise Price:
		ISO or NQ		$	$
		ISO or NQ
		ISO or NQ
					$

TYPE OF EXERCISE:

o CASH(1)	o   CASHLESS    (Sale of underlying shares of option to pay exercise price)		o STOCK(1)(2)    (Use already-held shares to pay exercise price)
	o Sell shares	o Sell all shares listed above	Attach Share Attestation Form

BROKER INFORMATION (if applicable):

Firm:	DTC #	Account #
Contact Person:	Phone:	Fax:

o    I authorize my broker to pay SVB Financial Group the aggregate exercise price.  For non-qualified (NQ) shares, I also authorize my broker to pay Silicon Valley Bank for the applicable taxes owed.

DELIVERY INSTRUCTIONS:

o  Mail certificate to my home address.                          o  Deliver electronically to my Broker.

I will (i) provide any additional documents you require pursuant to the terms of the Award Agreement, (ii)  pay any withholding taxes resulting from exercise of a NQ stock option, and (iii)  notify you in writing within 15 days after any disposition of shares issued under an incentive stock option (ISO) that occurs within 2 years after the grant date or 1 year after  the exercise date.

	Very truly yours,
SS#:
	Signed
Telephone:
	Address
Date:

(1)  The Effective Date of cash and stock exercises is the day cash, stock, or Share Attestation Form is received by Stock Administration, unless otherwise notified by Stock Administration as a result of insider trading restrictions.  If delivery is made by US Mail (or overnight courier) the Effective Date is the postmark date (or pick-up date).  The value of shares remitted for stock transactions is based on the closing stock price on the Effective Date.

(2)  Attested shares must meet certain requirements.

Share Attestation Form

SVB Financial Group
Attn:  Stock Administration
80 E Rio Salado Parkway Suite 600
Tempe, AZ 85281

I will use shares of SVB Financial Group (the “Company”) common stock I already own to pay the exercise price on the stock options identified on the attached Notice of Exercise.  I will not deliver the shares.  The Company will subtract the number of shares required to pay the exercise price from the underlying shares I am entitled to receive from the stock option and send me the balance.

1.  I certify that I own ___________ shares of SVB Financial Group common stock (the “Attested Shares”) which I tender to pay part or all of the stock option exercise price.  I hold the Attested Shares (check one):

o      individually.  A photocopy of the stock certificate(s) is attached.

o      jointly as ___________ .  A photocopy of the stock certificate(s) is attached.

o      in a brokerage account in the name(s) of ___________ .  A photocopy of a brokerage statement from the preceding two months showing the Company stock is attached. (Note:  Irrelevant information related to other investments may be blocked out.)

2.  I certify that (check all that apply):

o      the Attested Shares are NOT held by a trustee or custodian in an IRA account or any tax deferral plan.

o      I have owned the Attested Shares for AT LEAST SIX MONTHS and did not acquire them in a stock-for-stock transaction during that six months.

o      the Attested Shares were originally acquired through an incentive stock option (ISO) exercise and

o      I have owned ___________ shares for AT LEAST ONE YEAR; or

o      I have owned ___________ shares for LESS THAN ONE YEAR (Note: Attesting ISO shares held less than one year triggers a disqualifying disposition of the Attested Shares.)

o     the Attested Shares were purchased through the SVB Financial Group Employee Stock Purchase Plan (ESPP) and:

o      I have owned ___________ shares for AT LEAST EIGHTEEN MONTHS; or

o      I have owned ___________ shares for LESS THAN EIGHTEEN MONTHS (Note:  Attesting ESPP shares held  less than eighteen months triggers a disqualifying disposition of the Attested Shares.)

3.  Apply toward the option price:

o the maximum number of whole shares necessary  to pay the aggregate exercise price of my option.  I agree to settle any fractional share balance with the Company within 2 days of the Effective Date via check.

o the total number of whole shares represented by this attestation to pay for only part of the exercise price.  I agree to settle the remaining balance of the aggregate exercise price by check within 1 day of the Effective Date.

Although I will not be required to make actual delivery of the Attested Shares and I will retain full ownership of the Attested Shares, I represent that I (with the consent of the joint owner, if any) have the full power to deliver the Attested Shares to the Company for their benefit.

By signing, any joint owner consents to the exercise of the stock option(s) using Attested Shares and agrees with any representations made above pursuant to the Attested Shares.

Signature of Participant	Signature of any Joint Owner
Print Name	Print Name
Effective Date

EX-10.35

Exhibit 10.35

Notice of Grant of Stock Options and Award Agreement		SVB FINANCIAL GROUP ID:  94-2875288 3003 Tasman Drive Santa Clara, CA 95054
Grant Agreement:
Participant Name:        ###PARTICIPANT_NAME###	Grant Name: ###GRANT_NAME###
Employee Number:        ###EMPLOYEE_NUMBER###	Issue Date/Date of Grant:###ISSUE_DATE###
Total Nonqualified Stock Options:       Total ###DICTIONARY_AWARD_NAME###: ###TOTAL_AWARDS###	Expiry/Expiration Date: ###EMPLOYEE_GRANT_EXPIRY_DATE###
Plan: 2006 Equity Incentive Plan	Grant/Option Price: ###GRANT_PRICE### ###GRANT_PRICE_REM_START### ###GRANT_PRICE_REM_END###
###EMPLOYEE_GRANT_VEST_SCHEDULE_TABLE###	###EMPLOYEE_GRANT_NUMBER###

Effective on the Date of Grant listed above, you have been granted a Nonqualified Stock Option to buy Shares of SVB Financial Group (the “Company”) stock at the Option Price listed in the Grant Agreement above (the “Option”). 

Shares in each period will become fully vested on the dates shown in the Vesting Schedule, subject to you continuing to be a Service Provider through each such date.

By your acceptance and the Company’s signature below, you and the Company agree that this Option is granted under and governed by the terms and conditions of the Company’s 2006 Equity Incentive Plan and this Global Nonstatutory Stock Option Award Agreement, including any country appendix, all of which are attached and made a part of this document.

###HR_SIGNATURE###
SVB Financial Group	Date
Participant Name	Date

SVB FINANCIAL GROUP

GLOBAL NONSTATUTORY STOCK OPTION AWARD AGREEMENT

                SVB Financial Group (the “Company”), pursuant to its 2006 Equity Incentive Plan (the “Plan”) and this Global Nonstatutory Stock Option Award Agreement, including any country-specific terms and conditions for your country set forth in the Appendix for Non-U.S. Participants (the “Appendix”) attached hereto as Appendix A (together with the Global Nonstatutory Stock Option Award Agreement, the “Award Agreement”) has granted to Participant an Option to purchase shares of the Common Stock of the Company (“Shares”).  This Option is not intended to qualify as an “incentive stock option” within the meaning of Section 422 of the U.S. Internal Revenue Code of 1986, as amended (the “Code”).

                The grant hereunder is in connection with and in furtherance of the Company’s compensatory benefit plan for participation of the Company’s Employees (including Officers), Directors or Consultants.  Defined terms not explicitly defined in this Award Agreement shall have the same definitions as in the Plan or in the Notice of Grant of Stock Options (“Notice of Grant”), to which this Award Agreement is attached.

                The details of your Option are as follows:

1.             TOTAL NUMBER OF SHARES SUBJECT TO THIS OPTION.  The total number of Shares subject to this Option is set forth in the Notice of Grant.

2.             VESTING.  Subject to the limitations contained herein, the Option will vest (become exercisable) as set forth in the Notice of Grant until either (i) you cease to be a Service Provider for any reason, or (ii) this Option becomes fully vested. In the event of your termination as a Service Provider (regardless of the reason for such termination and whether or not later to be found invalid or in breach of employment laws in the jurisdiction where you are employed or the terms of your employment agreement, if any), (i) your right to vest in this Option under the Plan, if any, and (ii) the period (if any) during which you may exercise this Option shall be measured by the date upon which your employment with your employer (the “Employer”) and any notice period has ended. For the avoidance of doubt, employment shall include any contractual notice period or period of “garden leave” or similar period mandated under employment laws in the jurisdiction where you are employed or the other terms of your employment agreement, if any. The Committee shall have the exclusive discretion to determine when you are no longer employed for purposes of the Option.

3.             OPTION PRICE AND METHOD OF PAYMENT.

(a)           Option Price.  The Option Price per Share is the price set forth in the Notice of Grant, such price being not less than one hundred percent (100%) of the fair market value of the Common Stock on the Date of Grant of this Option.

(b)           Method of Payment.  Payment of the Option Price per Share is due in full upon exercise of all or any part of each installment which has accrued to you.  You may elect, to the extent permitted by Applicable Laws, to make payment of the Option Price under one of the following alternatives:

(i)            Payment of the Option Price per Share in cash (including check) at the time of exercise;

(ii)           For U.S. taxpayers only, provided that at the time of exercise the Common Stock is publicly traded and quoted regularly in the Wall Street Journal, payment by delivery of already-owned Shares, held for the period required to avoid a charge to the Company’s reported earnings, and owned free and clear of any liens, claims, encumbrances or security interests, which Common Stock shall be valued at its fair market value on the date of exercise;

(iii)             Consideration received by the Company under a formal cashless exercise program adopted by the Company in connection with the Plan; or    

(iv)         Payment by a combination of the methods of payment permitted by Section 3(b)(i), (ii), and (iii) above.

4.             WHOLE SHARES.  This Option may only be exercised for whole Shares.

5.             SECURITIES LAW COMPLIANCE.  Notwithstanding anything to the contrary in the Plan or this Award Agreement, unless there is an available exemption from any registration, qualification or other legal requirement applicable to the Shares, the Company shall not be required to deliver any Shares issuable upon exercise of the Option prior to the completion of any registration or qualification of the Shares under any local, state, federal or foreign securities or exchange control law or under rulings or regulations of the U.S. Securities and Exchange Commission (“SEC”) or of any other governmental regulatory body, or prior to obtaining any approval or other clearance from any local, state, federal or foreign governmental agency, which registration, qualification or approval the Company shall, in its absolute discretion, deem necessary or advisable. You understand that the Company is under no obligation to register or qualify the Shares with the SEC or any state or foreign securities commission or to seek approval or clearance from any governmental authority for the issuance or sale of the shares. Further, you agree that the Company shall have unilateral authority to amend the Plan and the Award Agreement without your consent to the extent necessary to comply with securities or other laws applicable to issuance of shares.

6.             TERM.  The term of this Option commences on the Date of Grant and expires on the Expiration Date, unless this Option expires sooner as set forth below or in the Plan.  In no event may this Option be exercised on or after the Expiration Date.  This Option shall terminate prior to the Expiration Date as follows:  three (3) months after your termination as a Service Provider unless one of the following circumstances exists:

(a)           Your termination as a Service Provider is due to your Disability.  This Option will then expire on the earlier of the Expiration Date set forth above or twelve (12) months following such termination.

(b)           Your termination as a Service Provider is due to your death.  This Option will then expire on the earlier of the Expiration Date set forth above or twelve (12) months after your death.

(c)           Your termination as a Service Provider is due to Cause (as defined in the Plan).  This Option will then expire on the date of such termination.

(d)           If during any part of such three (3)-month period you may not exercise your Option solely because of the condition set forth in Section 5 above, then your Option will not expire until the earlier of the Expiration Date set forth above or until this Option shall have been exercisable for an aggregate period of three (3) months after your termination as a Service Provider.

(e)           If your exercise of the Option within three (3) months after your termination as a Service Provider of the Company or of an Affiliate would result in liability under Section 16(b) of the Securities Exchange Act of 1934, then your Option will expire on the earlier of (i) the Expiration Date set forth above, or (ii) the tenth (10th) day after the last date upon which exercise would result in such liability.

                However, this Option may be exercised following your termination as a Service Provider only as to that number of Shares as to which it was exercisable on the date of termination under the provisions of Section 2 of this Option.

7.             EXERCISE.

(a)           This Option is exercisable by (i) delivery of an exercise notice, in the form and manner determined by the Administrator, or (ii) following an electronic or other exercise procedure prescribed by the Administrator, which in either case shall state the election to exercise the Option, the number of Shares in respect of which the Option is being exercised, and such other representations and agreements as may be required by the Company pursuant to the provisions of the Plan. Participant shall provide payment of any applicable Tax-Related Items (as defined in Section 10, herein) arising in connection with such exercise. This Option shall be deemed to be exercised upon receipt by the Company of a fully executed exercise notice or completion of such exercise procedure, as the Administrator may determine in its sole discretion, accompanied by any applicable Tax-Related Items (as defined in Section 10, herein).

(b)           By exercising this Option you agree that, as a precondition to the completion of any exercise, you must satisfy the Tax-Related Items in accordance with Section 10, herein.

8.             TRANSFERABILITY.

(a)           This Option is not transferable, except by will or by the laws of descent and distribution, and is exercisable during your life only by you.

(b)           The terms of this Award Agreement (including, without limitation, Section 6(b) relating to termination as a result of death) shall apply to your beneficiaries and executors and administrators including the right to agree to any amendment of the applicable Award Agreement.

(c)           An Option shall be exercised only by you (or your attorney in fact or guardian) or, in the case of your death, by the executor or administrator, and no Shares shall be issued by the Company unless the exercise of an Option is accompanied by sufficient payment, as determined by the Company, to meet the Tax-Related Items (as defined in Section 10, herein) on such exercise or by other arrangements satisfactory to the Committee to provide such payment.

9.    ACKNOWLEDGMENTS. You acknowledge and agree to the following:

•the Plan is discretionary in nature and the Administrator may amend, suspend, or terminate it at any time;

•the grant of this Option is voluntary and occasional and does not create any contractual or other right to receive future grants of options, or benefits in lieu of the options even if options have been granted in the past;

•all determinations with respect to future Option or other grants, if any, including but not limited to, the times when the Option shall be granted or when the Option shall vest, will be at the sole discretion of the Administrator;

•your participation in the Plan is voluntary;

•this Option and any Shares acquired under the Plan and the income and value of same, are not part of normal or expected compensation for purposes of calculating any severance, resignation, termination, redundancy, dismissal, end-of-service payments, bonuses, long-service awards, pension or retirement or welfare benefits or similar payments;

•the future value of the Shares is unknown, indeterminable, and cannot be predicted with certainty;

•if the underlying Shares do not increase in value, this Option will have no value;

•if you exercise this Option and acquire Shares, the value of such Shares may increase or decrease in value, even below the Option Price;

•neither the Plan nor the Option shall be construed to createa right to employment or be interpreted as forming an employment or service contract with the Company, your Employer or any Affiliate, and shall not interfere with the ability of the Company, the Employer or any Affiliate, as applicable, to terminate your status as a Service Provider (if any);

•no claim or entitlement to compensation or damages shall arise from forfeiture of this Option resulting from the termination of your status as a Service Provider (for any reason whatsoever, whether or not later found to be invalid or in breach of employment laws in the jurisdiction where you are employed or the terms of your employment agreement, if any), and in consideration of the grant of this Option to which you are otherwise not entitled, you irrevocably agree never to institute any claim against the Company, any of its Affiliates or the Employer;

•nothing herein contained shall affect your right to participate in and receive benefits under and in accordance with the then current provisions of any pension, insurance or other welfare plan or program of the Company or any Affiliate;

•Unless otherwise provided in the Plan or by the Company in its discretion, this Option and the benefits evidenced by this Award Agreement do not create any entitlement to have this Option or any such benefits transferred to, or assumed by, another company nor to be exchanged, cashed out or substituted for, in connection with any corporate transaction affecting the Shares of the Company; and

•The following provisions apply only if you are providing services outside the United States:

▪this Option and the Shares subject to this Option are not part of normal or expected compensation or salary for any purpose; and

▪you acknowledge and agree that neither the Company, the Employer nor any Affiliateshall be liable for any foreign exchange rate fluctuation between your local currency and the United States Dollar that may affect the value of this Option or of any amounts due to you pursuant to the exercise of this Option or the subsequent sale of any Shares acquired upon exercise.

10.WITHHOLDING OF TAXES. The Company or one of its Affiliates shall assess tax and social insurance liability and requirements in connection with your participation in the Plan, including, without limitation, income tax, social insurance, payroll tax, fringe benefit tax, payment of account or other tax related items associated with the grant or exercise of the Option or sale of the underlying Shares and legally applicable to you (the “Tax-Related Items”). These requirements may change from time to time as laws or interpretations change. Regardless of the actions of the Company or if different, your Employer in this regard, you hereby acknowledge and agree that the Tax-Related Items liability shall be your responsibility and liability.

You acknowledge that the Company’s obligation to issue Shares or make payment in connection with the Option shall be subject to satisfaction of the Tax-Related Items liability. By your acceptance of the Option, you authorize the Company, the Employer or any brokerage firm determined acceptable to the Company to sell on your behalf a whole number of Shares from those Shares issued to you as the Company determines to be sufficient to satisfy the obligation for Tax Related Items unless such method of exercise is not available to you under the terms of the Appendix or as otherwise determined by the Company. Alternatively, or in addition thereto, you further authorize the Company or the Employer to satisfy the Tax-Related Items withholding liability by deducting an amount from your wages or from other cash compensation to be paid to you by the Company or the Employer. If authorized by the Company, employees who are U.S. taxpayers residing in the United States also may exercise the Option through Share attestation. Finally, you agree to pay the Company or the Employer any Tax-Related Items withholding liability that cannot be satisfied by one of the methods of exercise set forth in this Award Agreement and authorized under the Plan.

11.    [RESERVED.]

12.    AUTHORIZATION TO RELEASE AND TRANSFER NECESSARY PERSONAL INFORMATION.You hereby explicitly and unambiguously consent to the collection, use and transfer, in electronic or other form, of your personal data as described in this Award Agreement and any other Option grant materials by and among, as applicable, the Employer, the Company and its Affiliates for the exclusive purpose of implementing, administering and managing your participation in the Plan.

You understand that the Company and the Employer may hold certain personal information about you, including, but not limited to, your name, home address and telephone number, date of birth, social insurance number or other identification number, salary, nationality, job title, any shares of stock or directorships held in the Company, details of all options or any other entitlement to shares of stock awarded, canceled, exercised, vested, unvested or outstanding in your favor ("Data"), for the exclusive purpose of implementing, administering and managing the Plan.

You understand that Data will be transferred to a stock plan service provider selected by the Company to assist the Company with the implementation, administration and management of the Plan. You understand that the recipients of the Data may be located in the United States or elsewhere, and that the recipient’s country (e.g., the United States) may have different data privacy laws and protections than your country. You understand that if you reside outside the United States, you may request a list with the

names and addresses of any potential recipients of the Data by contacting your local human resources representative. You authorize the Company and any other possible recipients which may assist the Company (presently or in the future) with implementing, administering and managing the Plan to receive, possess, use, retain and transfer the Data, in electronic or other form, for the sole purposes of implementing, administering and managing your participation in the Plan. You understand that Data will be held only as long as is necessary to implement, administer and manage your participation in the Plan. You understand that if you reside outside the United States, you may, at any time, view Data, request additional information about the storage and processing of Data, require any necessary amendments to Data or refuse or withdraw the consents herein, in any case without cost, by contacting in writing your local human resources representative. Further, you understand that you are providing the consents herein on a purely voluntary basis. If you do not consent, or if you later seek to revoke your consent, your status as a Service Provider with the Employer will not be adversely affected; the only adverse consequence of refusing or withdrawing your consent is that the Company would not be able to grant you options or other equity awards or administer or maintain such awards. Therefore, you understand that refusing or withdrawing your consent may affect your ability to participate in the Plan. For more information on the consequences of your refusal to consent or withdrawal of consent, you understand that you may contact your local human resources representative.

13.    COMPLIANCE WITH APPLICABLE LAWS. The vesting and exercise of the Option under the Plan and the issuance, transfer, assignment, sale, or other dealings of the Shares shall be subject to compliance by the Company (or any Affiliate) and you with all Applicable Laws.

14.    ELECTRONIC DELIVERY. The Company may, in its sole discretion, decide to deliver any documents related to the Option awarded under the Plan or future Options that may be awarded under the Plan by electronic means or request your consent to participate in the Plan by electronic means. You hereby consent to receive such documents by electronic delivery and agree to participate in the Plan through an on-line or electronic system established and maintained by the Company or another third party designated by the Company. Electronic execution of this Award Agreement and/or other documents shall have the same binding effect as a written or hard copy signature and accordingly, shall bind you and the Company to all of the terms and conditions set forth in the Plan, this Award Agreement and/or such other documents.

15.    NOTICES.  Any notices provided for in this Option or the Plan shall be given in writing and shall be deemed effectively given upon receipt or, in the case of notices delivered by the Company to you, five (5) days after deposit in the United States mail, postage prepaid, addressed to you at the address specified below or at such other address as you hereafter designate by written notice to the Company.

16.    GOVERNING PLAN DOCUMENT.  This Option is subject to all the provisions of the Plan, a copy of which is attached hereto and its provisions are hereby made a part of this Option, and is further subject to all interpretations, amendments, rules and regulations which may from time to time be promulgated and adopted pursuant to the Plan.  In the event of any conflict between the provisions of this Option and those of the Plan, the provisions of the Plan shall control.

17.NO ADVICE REGARDING GRANT. The Company is not providing any tax, legal or financial advice, nor is the Company making any recommendations regarding your participation in the Plan, or your acquisition or sale of the underlying Shares. You are hereby advised to consult with your own personal tax, legal and financial advisors regarding your participation in the Plan before taking any action related to the Plan.

18.AGREEMENT SEVERABLE. In the event that any provision in this Award Agreement will be held invalid or unenforceable, such provision will be severable from, and such invalidity or unenforceability will not be construed to have any effect on, the remaining provisions of this Award Agreement.

19.LANGUAGE. If you have received this Award Agreement or any other document related to the Plan translated into a language other than English and if the meaning of the translated version is different than the English version, the English version will control.

20.APPENDIX. Notwithstanding any provisions in this Award Agreement, if you reside outside the United States at any time during the life of this Option, your participation in the Plan shall be subject to the Appendix for Non-U.S. Participants attached hereto as Appendix A. Moreover, if you relocate to one of the countries included in the Appendix, the special terms and conditions will apply to you, to the extent the Company determines that the application of such terms and conditions is necessary or advisable for legal or administrative reasons. The Appendix constitutes part of this Award Agreement.

21.GOVERNING LAW. This Award Agreement will be governed by the laws of the State of California, without giving effect to the conflict of law principles thereof. For purposes of litigating any dispute that arises under this Option or this Award Agreement, the parties hereby submit to and consent to the jurisdiction of the State of California, and agree that such litigation shall be conducted in the courts of Santa Clara County, California, or the federal courts for the United States for the Northern District of California, and no other courts, where this Option is made and/or to be performed.

22.IMPOSITION OF OTHER REQUIREMENTS. The Company reserves the right to impose other requirements on your participation in the Plan, this Option and on any Shares acquired under the Plan, to the extent the Company determines it is necessary or advisable for legal or administrative reasons, and to require you to sign any additional agreements or undertakings that may be necessary to accomplish the foregoing.

23.WAIVER. You acknowledge that a waiver by the Company of breach of any provision of this Award Agreement shall not operate or be construed as a waiver of any other provision of this Award Agreement, or of any subsequent breach by you or any other participant.

Notice of Exercise

SVB Financial Group
Attn:  Stock Administration

80 E Rio Salado Parkway Suite 600

Tempe, AZ 85281

I, _____________________ , elect to exercise the following SVB Financial Group stock option(s):

Grant	Grant	Type of	Number of Shares	Exercise Price	Aggregate
Number:	Date:	Option:	to be Exercised:	Per Share:	Exercise Price:
		NQ		$	$
		NQ
		NQ
					$

TYPE OF EXERCISE:

o CASH(1)	o   CASHLESS    (Sale of underlying shares of option to pay exercise price)		o STOCK(1)(2)    (For U.S. taxpayers only - use already-held shares to pay exercise price)
	o Sell shares	o Sell all shares listed above	Attach Share Attestation Form

BROKER INFORMATION (if applicable):

Firm:	DTC #	Account #
Contact Person:	Phone:	Fax:

o    I authorize my broker to pay SVB Financial Group the aggregate exercise price.  For non-qualified (NQ) shares, I also authorize my broker to pay Silicon Valley Bank for the applicable taxes owed.

DELIVERY INSTRUCTIONS:

o  Mail certificate to my home address.                          o  Deliver electronically to my Broker.

I will (i) provide any additional documents you require pursuant to the terms of the Award Agreement, (ii) pay any withholding taxes resulting from exercise of a NQ stock option.

	Very truly yours,
SS#:
	Signed
Telephone:
	Address
Date:

(1)  The Effective Date of cash and stock exercises is the day cash, stock, or Share Attestation Form is received by Stock Administration, unless otherwise notified by Stock Administration as a result of insider trading restrictions.  If delivery is made by US Mail (or overnight courier) the Effective Date is the postmark date (or pick-up date).  The value of shares remitted for stock transactions is based on the closing stock price on the Effective Date.

(2)  Attested shares must meet certain requirements.

Share Attestation Form for U.S. Taxpayers

SVB Financial Group
Attn:  Stock Administration

80 E Rio Salado Parkway Suite 600

Tempe, AZ 85281

I will use shares of SVB Financial Group (the “Company”) common stock I already own to pay the exercise price on the stock options identified on the attached Notice of Exercise.  I will not deliver the shares.  The Company will subtract the number of shares required to pay the exercise price from the underlying shares I am entitled to receive from the stock option and send me the balance.

1.  I certify that I own ___________ shares of SVB Financial Group common stock (the “Attested Shares”) which I tender to pay part or all of the stock option exercise price.  I hold the Attested Shares (check one):

o      individually.  A photocopy of the stock certificate(s) is attached.

o      jointly as ___________ .  A photocopy of the stock certificate(s) is attached.

o      in a brokerage account in the name(s) of ___________ .  A photocopy of a brokerage statement from the preceding two months showing the Company stock is attached. (Note:  Irrelevant information related to other investments may be blocked out.)

2.  I certify that (check all that apply):

o      the Attested Shares are NOT held by a trustee or custodian in an IRA account or any tax deferral plan.

o      I have owned the Attested Shares for AT LEAST SIX MONTHS and did not acquire them in a stock-for-stock transaction during that six months.

o      the Attested Shares were originally acquired through an incentive stock option (ISO) exercise and

o      I have owned ___________ shares for AT LEAST ONE YEAR; or

o      I have owned ___________ shares for LESS THAN ONE YEAR (Note:  Attesting  ISO shares held less than one year triggers a disqualifying disposition of the Attested Shares.)

o     the Attested Shares were purchased through the SVB Financial Group Employee Stock Purchase Plan (ESPP) and:

o      I have owned ___________ shares for AT LEAST EIGHTEEN MONTHS; or

o      I have owned ___________ shares for LESS THAN EIGHTEEN MONTHS (Note:  Attesting ESPP shares held  less than eighteen months triggers a disqualifying disposition of the Attested Shares.)

3.  Apply toward the option price:

o the maximum number of whole shares necessary  to pay the aggregate exercise price of my option.  I agree to settle any fractional share balance with the Company within 2 days of the Effective Date via check.

o the total number of whole shares represented by this attestation to pay for only part of the exercise price.  I agree to settle the remaining balance of the aggregate exercise price by check within 1 day of the Effective Date.

Although I will not be required to make actual delivery of the Attested Shares and I will retain full ownership of the Attested Shares, I represent that I (with the consent of the joint owner, if any) have the full power to deliver the Attested Shares to the Company for their benefit.

By signing, any joint owner consents to the exercise of the stock option(s) using Attested Shares and agrees with any representations made above pursuant to the Attested Shares.

Signature of Participant	Signature of any Joint Owner
Print Name	Print Name
Effective Date

APPENDIX A

SVB FINANCIAL GROUP

GLOBAL NONSTATUTORY STOCK OPTION AWARD AGREEMENT

APPENDIX FOR NON-U.S. PARTICIPANTS

Terms and Conditions

This Appendix includes additional terms and conditions that govern the Option granted to you under the Plan if you are in one of the countries listed below. If you are a citizen or resident of a country (or are considered as such for local law purposes) other than the one in which you are currently working or if you move to another country after receiving the Option, the Company will, in its discretion, determine the extent to which the terms and conditions herein will be applicable to you. Certain capitalized terms used but not defined in this Appendix have the meanings set forth in the Plan and/or the Award Agreement.

Notifications

This Appendix may also include information regarding exchange controls and certain other issues of which you should be aware with respect to your participation in the Plan. The information is based on the securities, exchange control, and other laws in effect in the respective countries as of November 2013. Such laws are often complex and change frequently. As a result, the Company strongly recommends that you not rely on the information in this Appendix as the only source of information relating to the consequences of your participation in the Plan because the information may be out of date at the time you exercise the Option or sell any Shares acquired under the Plan.

In addition, the information contained herein is general in nature and may not apply to your particular situation, and the Company is not in a position to assure you of a particular result. Accordingly, you are advised to seek appropriate professional advice as to how the relevant laws in your country may apply to your situation.

Finally, if you are a citizen or resident of a country other than the one in which you are currently working, or are considered a resident of another country for local law purposes, or if you transfer employment and/or residency to another country after the Option has been granted, the notifications contained herein may not be applicable in the same manner.

CHINA

The following provision applies if you are not a PRC national but are working in the PRC. (If you are a PRC national residing in the PRC or the Company has otherwise determined that the State Administration of Foreign Exchange (“SAFE”) rules apply to you, please contact Stock Administration as you may have received this Award Agreement in error.)

Terms and Conditions

Exchange Control Requirements.

You understand and agree to comply with all exchange control restrictions imposed by the State Administration of Foreign Exchange (“SAFE”) or other exchange control authority in connection with the Option granted by the Company. You further agree to comply with any requirements that may be imposed by the Company in the future in order to facilitate compliance with exchange control requirements in the People’s Republic of China (the “PRC”). You understand that it is your sole responsibility to comply with applicable exchange control restrictions in China.

ISRAEL

Terms and Conditions

The following provision applies to you if you are in Israel on the Date of Grant.

Trust Arrangement.

You understand and agree that the Option is offered subject to and in accordance with the terms of the Plan, Israeli Subplan (the “Subplan”), Award Agreement and Israel Beneficiary 102 Undertaking. You understand that the Option shall be allocated under the provisions of the track referred to as the “Capital Gain Route,” according to Section 102(b)(2) and 102(b)(3) of the Israeli Income Tax Ordinance (“Section 102”) and shall be held by the trustee for the periods stated in Section 102. You hereby confirm that you have: (i) read and understand the Plan, Subplan, Award Agreement and Israel Beneficiary 102 Undertaking; (ii) received all the clarifications and explanations that you have requested; and (iii) had the opportunity to consult with your advisers before accepting the Award Agreement. In the event of any inconsistencies between the provisions of this Israeli Appendix and the Award Agreement, the provisions of this Appendix shall govern the Option and any Shares and in no event shall any term require shareholder approval as set out in Section 21(b) of the Plan.

Limited Transferability.

This provision supplements Section 8 of the Award Agreement:

As long as the Option or any issued Shares are held by the Trustee on your behalf, all of your rights over the Option or the Shares are personal and cannot be transferred, assigned, pledged or mortgaged, other than by will or the laws of descent and distribution.

Subject to the provisions of the Plan, Section 102 and any rules or regulations or orders or procedures promulgated thereunder, to obtain favorable tax treatment for Capital Gain Route awards, you may not sell or release from trust any Shares received upon exercise of the Option and/or any Shares received subsequently following any realization of rights, including without limitation, bonus shares, until the lapse of the holding period required under Section 102. Notwithstanding the above, if any such sale or release occurs during the holding period, the sanctions under Section 102 and under any rules or regulation or orders or procedures promulgated thereunder will apply to and will be borne by you.

Issuance of Shares.

If the Shares are to be issued during the holding period, such Shares shall be restricted and will be held by the Trustee on your behalf. In the event that the Shares are to be issued after the expiration of the holding period, you may elect to have the Shares issued and delivered directly to you, provided that you first comply with any Tax-Related Items stipulated under this Award Agreement to the Trustee’s and the Company’s satisfaction, or in trust on your behalf to the Trustee.

Withholding of Taxes.

This provision supplements Section 10 of the Award Agreement:

You hereby agree to indemnify the Company (or any Affiliate) and/or the Trustee and hold them harmless against and from any and all liability for any Tax-Related Items and other amounts, or interest or penalty thereon, including without limitation, liabilities relating to the necessity to withhold, or to have withheld, any such amounts from any payment made to you. Any reference to the Company or the Employer shall include a reference to the Trustee. You hereby undertake to release the Trustee from any liability in respect of any action or decisions duly taken and bona fide executed in relation to the Plan or any options or Shares acquired under the Plan. You agree to execute any and all documents which the Company or the Trustee may reasonably determine to be necessary in order to comply with the Israeli Income Tax Ordinance.

You shall not be liable for the Employer’s components of payments to the national insurance institute, unless otherwise agreed by you and allowed by applicable tax laws. Furthermore, you agree to indemnify the Company, the Employer and/or the Trustee and hold them harmless against and from any and all liability for any such tax or interest or penalty thereon that you have agreed to pay, including without limitation, liabilities relating to the necessity to withhold, or to have withheld, any such tax from any payment made to you for which you are responsible.

Notwithstanding anything to the contrary in the Award Agreement, no Tax-Related Items will be settled by withholding Shares, unless the ITA approves otherwise in writing.

Governing Law.

This section supplements Section 21 of the Award Agreement:

To the extent any covenant, condition, or other provision of the Award Agreement and your rights hereunder are intended to be rights granted under Section 102 and therefore determined to be subject to Israeli law, such covenant, condition, or other provision of the Award Agreement shall be subject to applicable Israeli law, but shall in no way affect, impair or invalidate any other provision of the Award Agreement, and the applicability of the Plan to such covenant, condition, or other provision of the Award Agreement.

Written Acceptance.

You must print, sign and deliver the signed copy of the Israel Beneficiary 102 Undertaking within 45 days to: 80 E Rio Salado Parkway Suite 600, Tempe, AZ 85281, Attn: Stock Administration. If the Company does not receive the signed Israel Beneficiary 102 Undertaking within 45 days, the Option may not qualify for preferential tax treatment.

The following provision applies if you transfer into Israel after the Date of Grant.

Exercise.

The following provision supplements Section 7 of the Award Agreement.

At the discretion of the Company, you will be restricted to exercising your Option using a cashless sell-all exercise method, pursuant to which all Shares are sold immediately upon exercise of the Option and you receive the sale proceeds less the Option Price, Tax-Related Items and any applicable broker fees or commissions. In this case, you will not be entitled to hold any Shares acquired at exercise.

SVB FINANCIAL GROUP

GLOBAL RESTRICTED STOCK UNIT AWARD AGREEMENT

ISRAEL BENEFICIARY 102 UNDERTAKING

If you have not already executed an Israel Beneficiary 102 Undertaking in connection with grants made under the Israeli Subplan, you must print, sign and deliver the signed copy of this Israel Beneficiary 102 Undertaking within 45 days to: 80 E Rio Salado Parkway Suite 600, Tempe, AZ 85281, Attn: Stock Administration. If SVB Financial Group does not receive the signed Israel Beneficiary 102 Undertaking within 45 days, the Option may not qualify for preferential tax treatment.

1.I hereby agree that any shares (the “Shares”) (as defined by Section 102 of the Income Tax Ordinance [New Version], 1961) (the “Tax Ordinance”) issued to me by SVB Financial Group according to and under the terms and conditions of the Plan and the Israeli Subplan adopted by SVB Financial Group as of January 8, 2014 (collectively, the "Plan") are granted to me to qualify under the capital gain tax treatment in accordance and pursuant to Section 102(b)(2) of the Tax Ordinance after 132 amendment (“Section 102”) and the Income Tax Rules (Tax Relief upon the Allotment of Shares to Employees), 2003 (the “Rules”) unless I am otherwise notified subject to SVB Financial Group’s absolute discretion to change such election on future grants and subject to the Tax Authorities’ approval.

2.I declare and confirm that I am familiar with the terms of Section 102, the Rules, and the implications and consequences of the chosen tax arrangement with respect to the Shares, and consent that all the terms and conditions set forth in Section 102 and the Rules, as shall be amended from time to time, shall apply to me and bind me.

3.I hereby declare and confirm that I am familiar with the provisions of the trust agreement signed betweenSVB Israel Advisors Ltd. and Tamir Fishman Trusts 2004 Ltd. (the "Trustee") (the “Trust Agreement”), including the deed of trust, attached to the Trust Agreement and constitute an integral part thereto (“Deed of Trust”), and I consent that the Trust Agreement and the Deed of Trust shall fully bind me.

4.Without derogating from the generality of the aforesaid, I agree that the Shares will be deposited in trust with the Trustee and be held in trust in accordance with Section 102, the Rules and the Trust Agreement.

5.I hereby declare and consent that any and all the rights that I shall be entitled to with respect to the Shares, including, without limitation, dividend, bonus shares and shares issued pursuant to adjustments made by SVB Financial Group, shall be issued in the name of the Trustee and be deposited with the Trustee, and shall be subject to Section 102, the Rules and the Trust Agreement.

6.Without derogating from the generality of the aforesaid, I acknowledge that during the “Holding Period” as determined by the Tax Ordinance I am prevented from selling the Shares, or releasing them from the Trustee, before the termination of the “Holding Period” and I understand the tax implications and consequences that

may be applied as a result of breaching such obligation, as set by Section 102, which I am familiar with.

7.If I will cease to be an Israeli resident or if my employment will be terminated for any reason, the Shares shall remain subject to section 102, the Rules and the Trust Agreement.

8.I hereby agree that any tax liability whatsoever arising from the grant, vesting or exercise of any awards, sale of Shares, release of Shares from the Trustee or any other event or act with respect to the Shares granted to me, shall be borne solely by me. I declare and consent that the SVB Financial Group, SVB Israel Advisors Ltd. and/or the Trustee shall make any tax payment due, out of the proceeds of any sale of Shares, to any tax authority, according to Section 102, the Rules, the Trust Agreement or any other compulsory payments or applicable law.

9.I understand that this grant of Shares under the capital gain track is conditioned upon the receipt, inter alia, of all required approvals from the tax authorities. Accordingly, to the extent that for whatever reason SVB Israel Advisors Ltd. shall not be granted an approval by the Israeli Tax Authorities under section 102, I shall bear and pay any and all taxes and any other compulsory payments applicable to the grant, exercise, sale or other disposition of options or stocks; I hereby declare and consent for the SVB Financial Group, SVB Israel Advisors Ltd. and/or the Trustee to deduct any tax payment due, out of the proceeds of any sale of Shares, for any payment to The tax authorities, according to the Rules, or any other applicable compulsory payments.

10.I confirm that SVB Financial Group and/or the Trustee shall not be required to release any Shares or any proceeds deriving from the sale of Shares, to me, until all required tax payments according to section 102, the Rules and the Trust Agreement, including any other compulsory payments, or applicable law, have been fully assured.

11.I acknowledge that the Trustee is not a tax advisor and it is recommended that I consult a tax advisor before I accept this letter, any restricted stock units vest, sell any Shares or release them from the Trustee, or any other act.

12.I agree to indemnify SVB Financial Group, SVB Israel Advisors Ltd.and/or the Trustee and to hold them harmless against and from any and all liability for any damage and/or loss and/or expense that might occur regarding the tax liability and/or the execution of the Trust Agreement.

13.I hereby agree to bear all the applicable fees and commissions involved in establishing and maintaining trust account in the Trustee’s name, and in performing any action in the trust account.

14.I hereby agree to sign any document reasonably required at SVB Financial Group’s and/or the Trustee’s request.

15.I hereby confirm that I read this letter thoroughly, received all the clarifications and explanations I requested, I understand the contents of this letter and the obligations I undertake in signing it.

____________________        _______________        ___________________        

Name of the Beneficiary         I.D Number             Signature

UNITED KINGDOM

Terms and Conditions

Withholding of Taxes.

The following provision supplements Section 10 of the Award Agreement:

If payment or withholding of the Tax-Related Items is not made within ninety (90) days of the event giving rise to the Tax-Related Items or such other period specified in Section 222(1)(c) of the U.K. Income Tax (Earnings and Pensions) Act 2003 (the “Due Date”), the amount of any uncollected Tax-Related Items shall constitute a loan owed by you to the Employer, effective as of the Due Date. You agree that the loan will bear interest at the then-current official rate of Her Majesty’s Revenue & Customs (“HMRC”), it will be immediately due and repayable, and the Company or the Employer may recover it at any time thereafter by any of the means referred to in Section 10 of the Award Agreement.

Notwithstanding the foregoing, if you are a director or executive officer of the Company (within the meaning of Section 13(k) of the Exchange Act), you shall not be eligible for a loan from the Company to cover the Tax-Related Items. In the event that you are a director or executive officer and any such Tax-Related Items are not collected from or paid by you by the Due Date, the amount of any uncollected income tax may constitute a benefit to you on which additional income tax and National Insurance Contributions (“NICs”) will be payable. You will be responsible for reporting and paying any income tax due on this additional benefit directly to HMRC under the self-assessment regime and for reimbursing the Company or the Employer (as applicable) for the value of any NICs due on this additional benefit which may be collected from you by the Company or the Employer by any of the means referred to in Section 10 of the Award Agreement.

EX-10.36

Exhibit 10.36

Notice of Grant of Restricted Stock Unit Award and Award Agreement	SVB FINANCIAL GROUP ID:  94-2875288 3003 Tasman Drive Santa Clara, CA 95054
Grant Agreement:
Participant Name:        <Name>		Grant Name: <MM/DD/YYYY RSU 0.00 (TEST)>
Employee Number:        <Emp ID No>		Issue Date/Date of Grant: <Issue Date>
Total RSUs:        Up to <Amount>		Grant Price: <$**.** USD>
		Plan: <2006 Equity Incentive Plan>
		The vesting of the RSUs (as defined below) granted hereunder are [[both] performance-based [and/or] time-based], as follows: •[Performance Condition –] •[Time Vesting –]

Vesting Schedule - RSU The vesting of the RSUs (as defined below) granted hereunder are [[both] performance-based [and/or] time-based], as follows: •[Performance Condition –] •[Time Vesting –]

Effective on the Date of Grant listed above, you have been granted an Award of Restricted Stock Units (“RSUs”) under the SVB Financial Group 2006 Equity Incentive Plan (the “Plan”). Unless otherwise defined herein or in the Award Agreement, capitalized terms herein or in the Award Agreement will have the defined meanings ascribed to them in the Plan.

RSUs in each period will vest in increments on the dates shown in the Vesting Schedule (“Vesting Dates”), subject to you continuing to be a Service Provider through each such date. Unless otherwise specified in the Restricted Stock Unit Election Form (the “Election”), the Settlement Dates for the RSUs shall be the Vesting Dates. Any RSUs that vest in accordance with Section 3 will be paid to you (or in the event of your death, pursuant to Section 6 of the Award Agreement) in whole Shares, less applicable Tax-Related Items. The Company shall issue to you, on a date within thirty (30) days following the Settlement Date, a number of whole Shares to equal to the vested RSUs.

[If permitted, you may elect to defer delivery of the payment of any Shares, which election will be subject to such documentation as the Company may promptly and reasonably request. Unless otherwise determined by the Committee, any such deferral election by you will be void and not given effect unless your deferral election is made at least twelve (12) months prior to the date the Shares otherwise are scheduled to be paid. The Committee may require that you make an election earlier than twelve (12) months prior to the date the Shares are scheduled to be paid. Upon the date the Shares vest to which a deferral election applies, the Company will create a bookkeeping entry initially representing an amount equivalent to the Fair Market Value of the number of Shares that would have otherwise been payable hereunder had a deferral election not been made. Any such obligation will represent an unfunded and unsecured obligation of the Company.]

By your acceptance and the Company’s signature below, you and the Company agree that these RSUs are granted under and governed by the terms and conditions of the Company’s 2006 Equity Incentive Plan and this Award Agreement including any country appendix, all of which are attached and made a part of this document.

SVB Financial Group	Date
Participant Name	Date

Exhibit 10.36

SVB FINANCIAL GROUP

GLOBAL RESTRICTED STOCK UNIT AWARD AGREEMENT

1.    Grant. The Company hereby grants to the Participant under the Plan an Award of the number ofRSUs set forth on the first page hereof, subject to all of the terms and conditions in this Global Restricted Stock Unit Award Agreement, including any country-specific terms and conditions for your country set forth in the Appendix for Non-U.S. Participants (the “Appendix”) attached hereto as Appendix A (together with the Global Restricted Stock Unit Award Agreement, the “Award Agreement”) and the Plan.

2.    Company’s Obligation. Each RSU represents the right to receive a share of Common Stock (“Share”) on the date it becomes vested. Unless and until the RSUs will have vested in the manner set forth in Sections 3 and 4, the Participant will have no right to issuance of Shares in connection with any such RSUs. Prior to actual payment of any vested RSUs, such RSUs will represent an unsecured obligation of the Company, payable (if at all) only from the general assets of the Company.

3.    Vesting Schedule. Subject to Section 4, the RSUs awarded by this Award Agreement will vest in the Participant according to the vesting schedule set forth on the first page hereof, subject to the Participant continuing to be a Service Provider through the Vesting Date.

4.    Forfeiture upon Termination of Status as a Service Provider. Notwithstanding any contrary provision of this Award Agreement, if the Participant ceases to be a Service Provider for any or no reason prior to the Vesting Date, the then-unvested RSUs awarded by this Award Agreement will thereupon be forfeited at no cost to the Company or its Affiliate and the Participant will have no further rights thereunder.

In the event of the Participant’s termination as a Service Provider (regardless of the reason for such termination and whether or not later to be found invalid or in breach of employment laws in the jurisdiction where the Participant is employed or the terms of the Participant’s employment agreement, if any), the Participant’s right to vest in the RSUs under the Plan, if any, will terminate effective as of the date that the Participant is no longer employed by the Participant’s employer (the “Employer”) and any notice period has ended. For the avoidance of doubt, employment shall include any contractual notice period or period of “garden leave” or similar period mandated under employment laws in the jurisdiction where the Participant is employed or the terms of the Participant’s employment agreement, if any. The Committee shall have the exclusive discretion to determine when the Participant is no longer employed for purposes of the RSUs.

5.    Issuance after Vesting. Any RSUs that vest in accordance with Section 3 will be settled in whole Shares delivered to the Participant (or in the event of the Participant’s death, pursuant to Section 6 hereof), provided that to the extent determined appropriate by the Company, less any Tax-Related Items (as defined in Section 7 below) withholding. The Company shall issue such Shares to the Participant within thirty (30) days of the Vesting Date.

Exhibit 10.36

6.    Issuance after Death. Any issuance to be made to the Participant under this Award Agreement will, if the Participant is then deceased, be made to the Participant’s designated beneficiary, or if no beneficiary survives the Participant, the personal representative, administrator or executor of the Participant’s estate. Any such transferee must furnish the Company with (a) written notice of his or her status as transferee, and (b) evidence satisfactory to the Company to establish the validity of the transfer and compliance with any laws or regulations pertaining to said transfer.

7.    Withholding of Taxes. The Company or one of its Affiliates shall assess tax and social insurance liability and requirements in connection with the Participant’s participation in the Plan, including, without limitation, income tax, social insurance, payroll tax, fringe benefit tax, payment of account or other tax related items associated with the grant or vesting of the RSUs, sale of the underlying Shares or receipt of any dividends and legally applicable to the Participant (the “Tax-Related Items”). These requirements may change from time to time as laws or interpretations change. Regardless of the actions of the Company or if different, the Employer, the Participant hereby acknowledges and agrees that the Tax-Related Items liability shall be the Participant’s responsibility and liability.

The Participant acknowledges that the Company’s obligation to issue Shares in connection with the RSUs shall be subject to satisfaction of the Tax-Related Items liability. Unless otherwise determined by the Company or set forth in the Appendix, Tax-Related Items withholding obligations shall be satisfied by having the Company and/or the Employer withhold the cash equivalent of all or a portion of any Shares that otherwise would be issued to the Participant upon settlement of the vested RSUs; provided that amounts withheld shall not exceed the amount necessary to satisfy the Tax-Related Items withholding obligations of the Company and the Employer. Such withheld amounts shall be valued based on the Fair Market Value as of the date the withholding obligations are satisfied. For tax purposes, the Participant is deemed to have been issued the full number of Shares subject to the vested RSUs, notwithstanding that a number of the Shares is held back solely for the purpose of paying the Tax-Related Items withholding. The Company or the Employer may also satisfy the Tax-Related Items withholding liability by deduction from the Participant’s wages or other cash compensation paid to the Participant by the Company or the Employer. Alternatively, by the Participant’s acceptance of the RSUs, the Participant authorizes and directs the Company or any brokerage firm determined acceptable to the Company to sell on the Participant’s behalf a whole number of Shares from those Shares issued to the Participant as the Company determines to be sufficient to satisfy the obligation for Tax-Related Items. Finally, the Participant agrees to pay the Company or the Employer any Tax-Related Items withholding liability that cannot be satisfied by deduction from the Participant’s wages or other cash compensation paid to the Participant by the Company or the Employer or sale of the Shares acquired under the Plan.

8.     [Reserved]

9.    Rights as Stockholder. Neither the Participant nor any person claiming under or through the Participant will have any of the rights or privileges of a stockholder of the Company in respect of any Shares deliverable hereunder unless and until certificates representing such Shares have been issued, recorded on the records of the Company or its transfer agents or registrars, and delivered to the Participant.

10.    Acknowledgements. The Participant acknowledges and agrees to the following:

• the Plan is discretionary in nature and the Administrator may amend, suspend, or terminate it at any time;

• the grant of the RSUs is voluntary and occasional and does not create any contractual or other right to receive future grants of RSUs, or benefits in lieu of the RSUs even if the RSUs have been granted in the past;

• all determinations with respect to such future RSUs, if any, including but not limited to, the times when the RSUs shall be granted or when the RSUs shall vest, will be at the sole discretion of the Administrator;

• the Participant’s participation in the Plan is voluntary;

• the RSUs and the Shares subject to the RSUs, and the income and value of same, are not part of normal or expected compensation for purposes of calculating any severance, resignation, termination, redundancy, dismissal, end-of-service payments, bonuses, long-service awards, pension or retirement or welfare benefits or similar payments;

• the future value of the Shares is unknown, indeterminable and cannot be predicted with certainty;

• no claim or entitlement to compensation or damages shall arise from forfeiture of the RSUs resulting from the termination of the Participant's employment or other service relationship (for any reason whatsoever whether or not later found to be invalid or in breach of employment laws in the jurisdiction where the Participant is employed or the terms of the Participant’s employment agreement, if any), and in consideration of the grant of the RSUs to which the Participant is otherwise not entitled, the Participant irrevocably agrees never to institute any claim against the Company,any of its Affiliates or the Employer;

• the RSU grant and the Participant’s participation in the Plan shall not create a right to employment or be interpreted as forming an employment or services contract with the Company, the Employer or any Affiliate and shall not interfere with the ability of the Company, the Employer or any Affiliate, as applicable, to terminate the Participant’s employment or service relationship (if any);

• unless otherwise provided in the Plan or by the Company in its discretion, the RSUs and the benefits evidenced by this Award Agreement do not create any entitlement to have the RSUs or any such benefits transferred to, or assumed by, another company nor be exchanged, cashed out or substituted for, in connection with any corporate transaction affecting the shares of the Company;

• nothing herein contained shall affect the Participant’s right to participate in and receive benefits under and in accordance with the then current provisions of any pension, insurance or other Participant welfare plan or program of the Company or any Affiliate; and

• the following provisions apply only if the Participant is providing services outside the United States:

▪ the RSUs and the Shares subject to the RSUs are not part of normal or expected compensation or salary for any purpose; and

▪ the Participant acknowledges and agrees that neither the Company, the Employer nor any Affiliate shall be liable for any foreign exchange rate fluctuation between the Participant’s local currency and the United States Dollar that may affect the value of the RSUs or of any amounts due to the Participant pursuant to the settlement of the RSUs or the subsequent sale of any Shares acquired upon settlement.

11.    No Advice Regarding Grant. The Company is not providing any tax, legal or financial advice, nor is the Company making any recommendations regarding the Participant’s participation in the Plan, or the Participant’s acquisition or sale of the underlying Shares. The Participant is hereby advised to consult with his or her own personal tax, legal and financial advisors regarding his or her participation in the Plan before taking any action related to the Plan.

12.    Address for Notices. Any notice to be given to the Company under the terms of this Award Agreement will be addressed to the Company at 80 E Rio Salado Parkway Suite 600, Tempe, AZ 85281, Attn: Stock Administration, or at such other address as the Company may hereafter designate in writing.

13.    Grant is Not Transferable. Except to the limited extent provided in Section 6, this grant and the rights and privileges conferred hereby will not be transferred, assigned, pledged or hypothecated in any way (whether by operation of law or otherwise) and will not be subject to sale under execution, attachment or similar process. Upon any attempt to transfer, assign, pledge, hypothecate or otherwise dispose of this grant, or any right or privilege conferred hereby, or upon any attempted sale under any execution, attachment or similar process, this grant and the rights and privileges conferred hereby immediately will become null and void.

14.    Binding Agreement. Subject to the limitation on the transferability of this grant contained herein, this Award Agreement will be binding upon and inure to the benefit of the heirs, legatees, legal representatives, successors and assigns of the parties hereto.

15.    Additional Conditions to Issuance of Stock. If at any time the Company will determine, in its discretion, that the listing, registration or qualification of the Shares upon any securities exchange or under any state, U.S. federal or foreign law, or the consent or approval of any governmental regulatory authority is necessary or desirable as a condition to the issuance of Shares to the Participant (or his estate), such issuance will not occur unless and until such listing, registration, qualification, consent or approval will have been effected or obtained free of any conditions not acceptable to the Company. Where the Company determines that the issuance of any Shares will violate U.S. federal or foreign securities laws or other applicable laws, the Company will defer delivery until the earliest date at which the Company reasonably anticipates that the delivery of Shares will no longer cause such violation. The Company will make all reasonable efforts to meet the requirements of any law or securities exchange and to obtain any such consent or approval of any such governmental authority.

16.    Plan Governs. This Award Agreement is subject to all terms and provisions of the Plan. In the event of a conflict between one or more provisions of this Award Agreement and one or more provisions of the Plan, the provisions of the Plan will govern.

17.    Administrator Authority. The Administrator will have the power to interpret the Plan and this Award Agreement and to adopt such rules for the administration, interpretation and application of the Plan as are consistent therewith and to interpret or revoke any such rules (including, but not limited to, the determination of whether or not any RSUs have vested). All actions taken and all interpretations and determinations made by the Administrator in good faith will be final and binding upon Participant, the Company and all other interested persons. No member of the Administrator will be personally liable for any action, determination or interpretation made in good faith with respect to the Plan or this Award Agreement.

18.    Captions. Captions provided herein are for convenience only and are not to serve as a basis for interpretation or construction of this Award Agreement.

19.    Agreement Severable. In the event that any provision in this Award Agreement will be held invalid or unenforceable, such provision will be severable from, and such invalidity or unenforceability will not be construed to have any effect on, the remaining provisions of this Award Agreement.

20.     Modifications to the Agreement. This Award Agreement, including the Appendix, and the Plan constitute the entire understanding of the parties on the subjects covered. The Participant expressly warrants that he or she is not accepting this Award Agreement in reliance on any promises, representations, or inducements other than those contained herein. Modifications to this Award Agreement or the Plan can be made only in an express written contract executed by a duly authorized officer of the Company.

21.    Electronic Delivery. The Company may, in its sole discretion, decide to deliver any documents related to RSUs awarded under the Plan or future RSUs that may be awarded under the Plan by electronic means or request the Participant’s consent to participate in the Plan by electronic means. The Participant hereby consents to receive such documents by electronic delivery and agrees to participate in the Plan through an on-line or electronic system established and maintained by the Company or another third party designated by the Company. Electronic execution of this Award Agreement and/or other documents shall have the same binding effect as a written or hard copy signature and accordingly, shall bind the Participant and the Company to all of the terms and conditions set forth in the Plan, this Award Agreement and/or such other documents.

22.    Authorization to Release and Transfer Necessary Personal Information.  The Participant hereby explicitly and unambiguously consents to the collection, use and transfer, in electronic or other form, of his or her personal data by and among, as applicable, the Company and its Affiliates for the exclusive purpose of implementing, administering and managing the Participant’s participation in the Plan. The Participant understands that the Company and its Affiliates may hold certain personal information about the Participant including, but not limited to, the Participant’s name, home address and telephone number, date of birth, social security number (or any other social or national identification number), salary, nationality, job title, number of Shares held and the details of all RSUs or any other entitlement to Shares awarded, cancelled, vested, unvested or outstanding (the “Data”) for the exclusive purpose of implementing, administering and managing the Participant’s participation in the Plan.

The Participant understands that the Data will be transferred to a stock plan service provider selected by the Company to assist the Company with the implementation, administration and management of the Plan. The Participant understands that the recipients of the Data may be located in the United States or elsewhere, and that the recipients’ country (e.g., the United States) may have different data privacy laws and protections than the Participant’s country. The Participant understands that if he or she resides outside the United States, he or she may request a list with the names and addresses of any potential recipients of the Data by contacting his or her local human resources representative. The Participant authorizes the Company and any other possible recipients which may assist the Company (presently or in the future) with implementing, administering and managing the Plan to receive, possess, use, retain and transfer the Data, in electronic or other form, for the sole purpose of implementing, administering and managing his or her participation in the Plan. Furthermore, the Participant acknowledges and understands that the transfer of Data to the Company, its Affiliates or to any third party is necessary for her or her participation in the Plan. The Participant understands that Data will be held only as long as is necessary to implement, administer and manage his or her participation in the Plan. The Participant understands if he or she resides outside the United States, he or she may, at any time, view the Data, request additional information about the storage and processing of the Data, require any necessary amendments to the Data or refuse or withdraw the consents herein, in any case without cost, by contacting his or her local human resources representative in writing. Further, the Participant understands that he or she is providing the consents herein on a purely voluntary basis. If the Participant does not consent, or if the Participant later seeks to revoke his or her consent, his or her status as a Service Provider with the Employer will not be adversely affected; the only adverse consequence of refusing or withdrawing the Participant’s consent is that the Company would not be able to grant the Participant RSUs or other equity awards or administer or maintain such awards. Therefore, the Participant understands that refusing or withdrawing his or her consent may affect the Participant’s ability to participate in the Plan. For more information on the consequences of refusal to consent or withdrawal of consent, the Participant understands that he or she may contact his or her local human resources representative.

23.    Compliance with Applicable Laws.The vesting of the RSUs under the Plan and the issuance, transfer, assignment, sale, or other dealings of the Shares shall be subject to compliance by the Company (or any Affiliate) and the Participant with all Applicable Laws.

24.    Language. If the Participant has received this Award Agreement or any other document related to the Plan translated into a language other than English and if the meaning of the translated version is different than the English version, the English version will control.

25.    Appendix. Notwithstanding any provisions in this Award Agreement, if the Participant resides outside the United States at any time during the life of the Award, the Participant’s participation in the Plan shall be subject to the Appendix for Non-U.S. Participants attached hereto as Appendix A. Moreover, if the Participant relocates to one of the countries included in the Appendix, the special terms and conditions will apply to the Participant, to the extent the Company determines that the application of such terms and conditions is necessary or advisable for legal or administrative reasons. The Appendix constitutes part of this Award Agreement.

26.    Governing Law. This Award Agreement will be governed by the laws of the State of California, without giving effect to the conflict of law principles thereof. For purposes of litigating any dispute that arises under this Award of RSUs or this Award Agreement, the parties hereby submit to and consent to the jurisdiction of the State of California, and agree that such litigation shall be conducted in the courts of Santa Clara County, California, or the federal courts for the United States for the Northern District of California, and no other courts, where this Award of RSUs is made and/or to be performed.

27.    Imposition of Other Requirements.    The Company reserves the right to impose other requirements on the Participant’s participation in the Plan, on the RSUs and on any Shares acquired under the Plan, to the extent the Company determines it is necessary or advisable for legal or administrative reasons, and to require the Participant to sign any additional agreements or undertakings that may be necessary to accomplish the foregoing.

28.    Waiver. The Participant acknowledges that a waiver by the Company of breach of any provision of this Award Agreement shall not operate or be construed as a waiver of any other provision of this Award Agreement, or of any subsequent breach by the Participant or any other participant.

3

Exhibit 10.36

APPENDIX A

SVB FINANCIAL GROUP

GLOBAL RESTRICTED STOCK UNIT AWARD AGREEMENT

APPENDIX FOR NON-U.S. PARTICIPANTS

Terms and Conditions

This Appendix includes additional terms and conditions that govern the RSUs granted to the Participant under the Plan if he or she is in one of the countries listed below. If the Participant is a citizen or resident of a country (or are considered as such for local law purposes) other than the one in which the Participant is currently working or if the Participant moves to another country after receiving the grant of RSUs, the Company will, in its discretion, determine the extent to which the terms and conditions herein will be applicable to the Participant. Certain capitalized terms used but not defined in this Appendix have the meanings set forth in the Plan and/or the Award Agreement.

Notifications

This Appendix may also include information regarding exchange controls and certain other issues of which the Participant should be aware with respect to his or her participation in the Plan. The information is based on the securities, exchange control, and other laws in effect in the respective countries as of December 2013. Such laws are often complex and change frequently. As a result, the Company strongly recommends that the Participant not rely on the information in this Appendix as the only source of information relating to the consequences of the Participant’s participation in the Plan because the information may be out of date at the time the RSUs vest, the Shares underlying the RSUs are issued or the Participant sells Shares acquired under the Plan.

In addition, the information contained herein is general in nature and may not apply to the Participant’s particular situation, and the Company is not in a position to assure the Participant of a particular result. Accordingly, the Participant is advised to seek appropriate professional advice as to how the relevant laws in his country may apply to the Participant’s situation.

Finally, if the Participant is a citizen or resident of a country other than the one in which he or she is currently working, or is considered a resident of another country for local law purposes, or if the Participant transfers employment and/or residency to another country after the RSUs have been granted, the notifications contained herein may not be applicable in the same manner.

A-1

Exhibit 10.36

CHINA

Terms and Conditions

Issuance After Vesting

This provision replaces Section 5 of the Award Agreement and applies only to Participants who are PRC nationals residing in the PRC, unless otherwise determined by the Company or required by the State Administration of Foreign Exchange (“SAFE”):

Upon the vesting of RSUs in accordance with Section 3, the Participant (or in the event of the Participant’s death, to his or her estate) shall be paid an amount in local currency through local payroll that is equal in value to the Fair Market Value of the applicable number of whole Shares otherwise issuable at vesting, provided that to the extent determined appropriate by the Company, any Tax-Related Items withholding with respect to such RSUs shall be deducted from the amount of cash otherwise payable to the Participant.

Exchange Control Requirements.

The Participant understands and agrees to comply with all exchange control restrictions imposed by SAFE or other exchange control authority in connection with the award of RSUs to him or her by the Company. The Participant further agrees to comply with any requirements that may be imposed by the Company in the future in order to facilitate compliance with exchange control requirements in the People’s Republic of China (the “PRC”).

If the Participant is a PRC national employee residing in the PRC or if otherwise determined by the Company or required by SAFE, the Participant will be required to repatriate the cash proceeds from the sale of the Shares issued upon the vesting of the RSUs to the PRC. Such Participant further understands that, under local law, the repatriation of his or her cash proceeds may need to be effectuated through a special exchange control account established by the Company or its Affiliate, and the Participant hereby consents and agrees that any proceeds from the sale of any Shares the Participant acquires may be transferred to such special account prior to being delivered to the Participant.

Finally, the Participant further understands and agrees that the Company is under no obligation to secure any particular exchange conversion rate with respect to the proceeds of the sale of the Shares and there may be delays in converting the cash proceeds to local currency due to exchange control restrictions. The Participant agrees to bear any currency fluctuation risk between the time the Shares are sold and the time the cash proceeds are received by the Participant in the PRC.

A-2

Exhibit 10.36

INDIA

Terms and Conditions

Issuance after Vesting.

The following provision supplements Section 5 of the Award Agreement.

Any RSUs that vest in accordance with Section 3 will be paid in cash to the Participant (or in the event of the Participant’s death, to his or her estate) based on the value equivalent to the number of applicable whole Shares, provided that to the extent determined appropriate by the Company, any Tax-Related Items withholding with respect to such RSUs will be paid from the amount otherwise payable to the Participant.

ISRAEL

Terms and Conditions

The following provision applies to the Participant if the Participant is in Israel on the Date of Grant.

Trust Arrangement.

The Participant understands and agrees that the RSUs are offered subject to and in accordance with the terms of the Plan, Israeli Subplan (the “Subplan”), Award Agreement and Israel Beneficiary 102 Undertaking. The Participant understands that the RSUs shall be allocated under the provisions of the track referred to as the “Capital Gain Route,” according to Section 102(b)(2) and 102(b)(3) of the Israeli Income Tax Ordinance (“Section 102”) and shall be held by the trustee for the periods stated in Section 102. The Participant hereby confirms that he or she has: (i) read and understands the Plan, Subplan, Award Agreement and Israel Beneficiary 102 Undertaking; (ii) received all the clarifications and explanations that the Participant has requested; and (iii) had the opportunity to consult with his or her advisers before accepting the Award Agreement. In the event of any inconsistencies between the provisions of this Israeli Appendix and the Award Agreement, the provisions of this Appendix shall govern the RSUs and any Shares and in no event shall any term require shareholder approval as set out in Section 21(b) of the Plan.

Limited Transferability.

This provision supplements Section 13 of the Award Agreement:

As long as the RSUs or any issued Shares are held by the Trustee on the Participant’s behalf, all of the Participant’s rights over the RSUs or the Shares are personal and cannot be transferred, assigned, pledged or mortgaged, other than by will or the laws of descent and distribution.

Subject to the provisions of the Plan, Section 102 and any rules or regulations or orders or procedures promulgated thereunder, to obtain favorable tax treatment for Capital Gain Route awards, the Participant may not sell or release from trust any Shares received upon vesting of the RSUs and/or any Shares received subsequently following any realization of rights, including without limitation, bonus shares, until the lapse of the holding period required under Section 102. Notwithstanding the above, if any such sale or release occurs during the holding period, the sanctions under Section 102

A-3

Exhibit 10.36

and under any rules or regulation or orders or procedures promulgated thereunder will apply to and will be borne by the Participant.

Issuance of Shares.

This provision supplements Sections 5 and 6 of the Award Agreement:

If the Shares are to be issued during the holding period, such Shares shall be restricted and will be held by the Trustee on the Participant’s behalf. In the event that the Shares are to be issued after the expiration of the holding period, the Participant may elect to have the Shares issued and delivered directly to him or her, provided that the Participant first complies with any Tax-Related Items stipulated under this Award Agreement to the Trustee’s and the Company’s satisfaction, or in trust on the Participant’s behalf to the Trustee.

Withholding of Taxes.

This provision supplements Section 7 of the Award Agreement:

The Participant hereby agrees to indemnify the Company (or any Affiliate) and/or the Trustee and hold them harmless against and from any and all liability for any Tax-Related Items and other amounts, or interest or penalty thereon, including without limitation, liabilities relating to the necessity to withhold, or to have withheld, any such amounts from any payment made to the Participant. Any reference to the Company or the Employer shall include a reference to the Trustee. The Participant hereby undertakes to release the Trustee from any liability in respect of any action or decisions duly taken and bona fide executed in relation to the Plan or any RSUs or Shares acquired under the Plan. The Participant agrees to execute any and all documents which the Company or the Trustee may reasonably determine to be necessary in order to comply with the Israeli Income Tax Ordinance.

The Participant shall not be liable for the Employer’s components of payments to the national insurance institute, unless otherwise agreed by the Participant and allowed by applicable tax laws. Furthermore, the Participant agrees to indemnify the Company, the Employer and/or the Trustee and hold them harmless against and from any and all liability for any such tax or interest or penalty thereon that Participant has agreed to pay, including without limitation, liabilities relating to the necessity to withhold, or to have withheld, any such tax from any payment made to the Participant for which the Participant is responsible.

Notwithstanding anything to the contrary in the Award Agreement, no Tax-Related Items will be settled by withholding Shares, unless the ITA approves otherwise in writing.

Governing Law.

This section supplements Section 26 of the Award Agreement:

To the extent any covenant, condition, or other provision of the Award Agreement and the rights of the Participant hereunder are intended to be rights granted under Section 102 and therefore determined to be subject to Israeli law, such covenant, condition, or other provision of the Award Agreement shall be subject to applicable Israeli law, but shall in no way affect, impair or invalidate

A-4

Exhibit 10.36

any other provision of the Award Agreement, and the applicability of the Plan to such covenant, condition, or other provision of the Award Agreement.

Written Acceptance.

The Participant must print, sign and deliver the signed copy of the Israel Beneficiary 102 Undertaking within 45 days to: 80 E Rio Salado Parkway Suite 600, Tempe, AZ 85281, Attn: Stock Administration. If the Company does not receive the signed Israel Beneficiary 102 Undertaking within 45 days, the RSUs may not qualify for preferential tax treatment.

The following provision applies if the Participant transfers into Israel after the Date of Grant.

Issuance after Vesting.

The following provision replaces Section 5 of the Award Agreement.

Any RSUs that vest in accordance with the vesting schedule in the Notice of Grant will be paid to the Participant (or in the event of the Participant's death, to his or her estate), upon satisfaction, as determined by the Company, of any Tax-Related Items as set forth in Section 7 of this Award Agreement. At the discretion of the Company, the Shares will be subject to an immediate forced sale restriction, pursuant to which all Shares acquired at vesting will be immediately sold and the Participant will receive the sale proceeds less Tax-Related Items and applicable broker fees and commissions. In this case, the Participant will not be entitled to hold any Shares acquired at vesting.

A-5

Exhibit 10.36

SVB FINANCIAL GROUP

GLOBAL RESTRICTED STOCK UNIT AWARD AGREEMENT

ISRAEL BENEFICIARY 102 UNDERTAKING

If the Participant has not already executed an Israel Beneficiary 102 Undertaking in connection with grants made under the Israeli Subplan, the Participant must print, sign and deliver the signed copy of this Israel Beneficiary 102 Undertaking within 45 days to: 80 E Rio Salado Parkway Suite 600, Tempe, AZ 85281, Attn: Stock Administration. If the Company does not receive the signed Israel Beneficiary 102 Undertaking within 45 days, the RSUs may not qualify for preferential tax treatment.

1. I hereby agree that any shares (the “Shares”) (as defined by Section 102 of the Income Tax Ordinance [New Version], 1961) (the “Tax Ordinance”) issued to me by SVB Financial Group according to and under the terms and conditions of the Plan and the Israeli Subplan adopted by SVB Financial Group as of January 8, 2014 (collectively, the "Plan") are granted to me to qualify under the capital gain tax treatment in accordance and pursuant to Section 102(b)(2) of the Tax Ordinance after 132 amendment (“Section 102”) and the Income Tax Rules (Tax Relief upon the Allotment of Shares to Employees), 2003 (the “Rules”) unless I am otherwise notified subject to SVB Financial Group’s absolute discretion to change such election on future grants and subject to the Tax Authorities’ approval.

2. I declare and confirm that I am familiar with the terms of Section 102, the Rules, and the implications and consequences of the chosen tax arrangement with respect to the Shares, and consent that all the terms and conditions set forth in Section 102 and the Rules, as shall be amended from time to time, shall apply to me and bind me.

3. I hereby declare and confirm that I am familiar with the provisions of the trust agreement signed between SVB Israel Advisors Ltd. and Tamir Fishman Trusts 2004 Ltd. (the "Trustee") (the “Trust Agreement”), including the deed of trust, attached to the Trust Agreement and constitute an integral part thereto (“Deed of Trust”), and I consent that the Trust Agreement and the Deed of Trust shall fully bind me.

4. Without derogating from the generality of the aforesaid, I agree that the Shares will be deposited in trust with the Trustee and be held in trust in accordance with Section 102, the Rules and the Trust Agreement.

5. I hereby declare and consent that any and all the rights that I shall be entitled to with respect to the Shares, including, without limitation, dividend, bonus shares and shares issued pursuant to adjustments made by SVB Financial Group, shall be issued in the name of the Trustee and be deposited with the Trustee, and shall be subject to Section 102, the Rules and the Trust Agreement.

A-6

Exhibit 10.36

6. Without derogating from the generality of the aforesaid, I acknowledge that during the “Holding Period” as determined by the Tax Ordinance I am prevented from selling the Shares, or releasing them from the Trustee, before the termination of the “Holding Period” and I understand the tax implications and consequences that may be applied as a result of breaching such obligation, as set by Section 102, which I am familiar with.

7. If I will cease to be an Israeli resident or if my employment will be terminated for any reason, the Shares shall remain subject to section 102, the Rules and the Trust Agreement.

8. I hereby agree that any tax liability whatsoever arising from the grant, vesting or exercise of any awards, sale of Shares, release of Shares from the Trustee or any other event or act with respect to the Shares granted to me, shall be borne solely by me. I declare and consent that the SVB Financial Group, SVB Israel Advisors Ltd. and/or the Trustee shall make any tax payment due, out of the proceeds of any sale of Shares, to any tax authority, according to Section 102, the Rules, the Trust Agreement or any other compulsory payments or applicable law.

9. I understand that this grant of Shares under the capital gain track is conditioned upon the receipt, inter alia, of all required approvals from the tax authorities. Accordingly, to the extent that for whatever reason SVB Israel Advisors Ltd. shall not be granted an approval by the Israeli Tax Authorities under section 102, I shall bear and pay any and all taxes and any other compulsory payments applicable to the grant, exercise, sale or other disposition of options or stocks; I hereby declare and consent for the SVB Financial Group, SVB Israel Advisors Ltd. and/or the Trustee to deduct any tax payment due, out of the proceeds of any sale of Shares, for any payment to The tax authorities, according to the Rules, or any other applicable compulsory payments.

10. I confirm that SVB Financial Group and/or the Trustee shall not be required to release any Shares or any proceeds deriving from the sale of Shares, to me, until all required tax payments according to section 102, the Rules and the Trust Agreement, including any other compulsory payments, or applicable law, have been fully assured.

11. I acknowledge that the Trustee is not a tax advisor and it is recommended that I consult a tax advisor before I accept this letter, any restricted stock units vest, sell any Shares or release them from the Trustee, or any other act.

12. I agree to indemnify SVB Financial Group, SVB Israel Advisors Ltd. and/or the Trustee and to hold them harmless against and from any and all liability for any damage and/or loss and/or expense that might occur regarding the tax liability and/or the execution of the Trust Agreement.

A-7

Exhibit 10.36

13. I hereby agree to bear all the applicable fees and commissions involved in establishing and maintaining trust account in the Trustee’s name, and in performing any action in the trust account.

14. I hereby agree to sign any document reasonably required at the Company’s and/or the Trustee’s request.

15. I hereby confirm that I read this letter thoroughly, received all the clarifications and explanations I requested, I understand the contents of this letter and the obligations I undertake in signing it.

____________________        _______________    ___________________        

Name of the Beneficiary         I.D Number         Signature

A-8

Exhibit 10.36

UNITED KINGDOM

Terms and Conditions

RSUs Payable Only in Shares.

RSUs granted to the Participant resident in the United Kingdom shall be paid in Shares only and do not provide any right for the Participant to receive a cash payment, notwithstanding any discretion contained in the Plan to the contrary.

Withholding of Taxes.

The following provision supplements Section 7 of the Award Agreement:

If payment or withholding of the Tax-Related Items is not made within ninety (90) days of the event giving rise to the Tax-Related Items or such other period specified in Section 222(1)(c) of the U.K. Income Tax (Earnings and Pensions) Act 2003 (the “Due Date”), the amount of any uncollected Tax-Related Items shall constitute a loan owed by the Participant to the Employer, effective as of the Due Date. The Participant agrees that the loan will bear interest at the then-current official rate of Her Majesty’s Revenue & Customs (“HMRC”), it will be immediately due and repayable, and the Company or the Employer may recover it at any time thereafter by any of the means referred to in Section 7 of the Award Agreement.

Notwithstanding the foregoing, if the Participant is a director or executive officer of the Company (within the meaning of Section 13(k) of the Exchange Act), the Participant shall not be eligible for a loan from the Company to cover the Tax-Related Items. In the event that the Participant is a director or executive officer and any such Tax-Related Items are not collected from or paid by the Participant by the Due Date, the amount of any uncollected income taxes will constitute a benefit to the Participant on which additional income tax and National Insurance Contributions (“NICs”) will be payable. The Participant will be responsible for reporting and paying any income tax due on this additional benefit directly to HMRC under the self-assessment regime and for reimbursing the Company or the Employer (as applicable) for the value of any NICs due on this additional benefit which may be collected from the Participant by the Company or the Employer by any of the means referred to in Section 7 of the Award Agreement.

A-9

EX-10.37

Exhibit 10.37

Notice of Grant of Restricted Stock Unit Award and Award Agreement (Performance-Based)	SVB FINANCIAL GROUP ID:  94-2875288 3003 Tasman Drive Santa Clara, CA 95054
Grant Agreement:
Participant Name:        <Name>		Grant Name: <MM/DD/YYYY RSU 0.00 (TEST)>
Employee Number:        <Emp ID No>		Issue Date/Date of Grant: <Issue Date>
Total RSUs:        Up to <Amount>		Grant Price: <$**.** USD>
		Plan: <2006 Equity Incentive Plan>

Vesting Schedule - RSU		The vesting of the RSUs (as defined below) granted hereunder are both performance-based and time-based, as follows: •Performance Condition – [Insert conditions] •Time Vesting – To the extent the RSUs are deemed earned, the RSUs will be subject to further vesting and will cliff vest on [ _______ ___, 20___] (the “Vesting Date”) provided the Participant remains a Service Provider as of such Vesting Date.
Vesting Conditions	Number of RSUs Earned
[Condition 1]	0
[Condition 2]	<Vest Qty 2>
[Condition 3]	<Vest Qty 3>
[Condition 4]	<Vest Qty 4>

Effective on the Date of Grant listed above, you have been granted an Award of Restricted Stock Units (“RSUs”) under the SVB Financial Group 2006 Equity Incentive Plan (the “Plan”). Unless otherwise defined herein or in the Award Agreement, capitalized terms herein or in the Award Agreement will have the defined meanings ascribed to them in the Plan.

RSUs in each period will vest in increments on the dates shown in the Vesting Schedule (“Vesting Dates”), subject to you continuing to be a Service Provider through each such date. Unless otherwise specified in the Restricted Stock Unit Election Form (the “Election”), the Settlement Dates for the RSUs shall be the Vesting Dates. Any RSUs that vest in accordance with Section 3 will be paid to you (or in the event of your death, pursuant to Section 6 of the Award Agreement) in whole Shares, less applicable Tax-Related Items. The Company shall issue to you, on a date within thirty (30) days following the Settlement Date, a number of whole Shares to equal to the vested RSUs.

[If permitted, you may elect to defer delivery of the payment of any Shares, which election will be subject to such documentation as the Company may promptly and reasonably request. Unless otherwise determined by the Committee, any such deferral election by you will be void and not given effect unless your deferral election is made at least twelve (12) months prior to the date the Shares otherwise are scheduled to be paid. The Committee may require that you make an election earlier than twelve (12) months prior to the date the Shares are scheduled to be paid. Upon the date the Shares vest to which a deferral election applies, the Company will create a bookkeeping entry initially representing an amount equivalent to the Fair Market Value of the number of Shares that would have otherwise been payable hereunder had a deferral election not been made. Any such obligation will represent an unfunded and unsecured obligation of the Company.]

By your acceptance and the Company’s signature below, you and the Company agree that these RSUs are granted under and governed by the terms and conditions of the Company’s 2006 Equity Incentive Plan and this Award Agreement including any country appendix, all of which are attached and made a part of this document.

SVB Financial Group	Date
Participant Name	Date

SVB FINANCIAL GROUP

GLOBAL RESTRICTED STOCK UNIT AWARD AGREEMENT

1.    Grant. The Company hereby grants to the Participant under the Plan an Award of the number ofRSUs set forth on the first page hereof, subject to all of the terms and conditions in this Global Restricted Stock Unit Award Agreement, including any country-specific terms and conditions for your country set forth in the Appendix for Non-U.S. Participants (the “Appendix”) attached hereto as Appendix A (together with the Global Restricted Stock Unit Award Agreement, the “Award Agreement”) and the Plan.

2.    Company’s Obligation. Each RSU represents the right to receive a share of Common Stock (“Share”) on the date it becomes vested. Unless and until the RSUs will have vested in the manner set forth in Sections 3 and 4, the Participant will have no right to issuance of Shares in connection with any such RSUs. Prior to actual payment of any vested RSUs, such RSUs will represent an unsecured obligation of the Company, payable (if at all) only from the general assets of the Company.

3.    Vesting Schedule. Subject to Section 4, the RSUs awarded by this Award Agreement will vest in the Participant according to the vesting schedule set forth on the first page hereof, subject to the Participant continuing to be a Service Provider through the Vesting Date.

4.    Forfeiture upon Termination of Status as a Service Provider. Notwithstanding any contrary provision of this Award Agreement, if the Participant ceases to be a Service Provider for any or no reason prior to the Vesting Date, the then-unvested RSUs awarded by this Award Agreement will thereupon be forfeited at no cost to the Company or its Affiliate and the Participant will have no further rights thereunder.

In the event of the Participant’s termination as a Service Provider (regardless of the reason for such termination and whether or not later to be found invalid or in breach of employment laws in the jurisdiction where the Participant is employed or the terms of the Participant’s employment agreement, if any), the Participant’s right to vest in the RSUs under the Plan, if any, will terminate effective as of the date that the Participant is no longer employed by the Participant’s employer (the “Employer”) and any notice period has ended. For the avoidance of doubt, employment shall include any contractual notice period or period of “garden leave” or similar period mandated under employment laws in the jurisdiction where the Participant is employed or the terms of the Participant’s employment agreement, if any. The Committee shall have the exclusive discretion to determine when the Participant is no longer employed for purposes of the RSUs.

5.    Issuance after Vesting. Any RSUs that vest in accordance with Section 3 will be settled in whole Shares delivered to the Participant (or in the event of the Participant’s death, pursuant to Section 6 hereof), provided that to the extent determined appropriate by the Company, less any Tax-Related Items (as defined in Section 7 below) withholding. The Company shall issue such Shares to the Participant within thirty (30) days of the Settlement Date.

6.    Issuance after Death. Any issuance to be made to the Participant under this Award Agreement will, if the Participant is then deceased, be made to the Participant’s designated beneficiary, or if no beneficiary survives the Participant, the personal representative, administrator or executor of the Participant’s estate. Any such transferee must furnish the Company with

2

(a) written notice of his or her status as transferee, and (b) evidence satisfactory to the Company to establish the validity of the transfer and compliance with any laws or regulations pertaining to said transfer.

7.    Withholding of Taxes. The Company or one of its Affiliates shall assess tax and social insurance liability and requirements in connection with the Participant’s participation in the Plan, including, without limitation, income tax, social insurance, payroll tax, fringe benefit tax, payment of account or other tax related items associated with the grant or vesting of the RSUs, sale of the underlying Shares or receipt of any dividends and legally applicable to the Participant (the “Tax-Related Items”). These requirements may change from time to time as laws or interpretations change. Regardless of the actions of the Company or if different, the Employer, the Participant hereby acknowledges and agrees that the Tax-Related Items liability shall be the Participant’s responsibility and liability.

The Participant acknowledges that the Company’s obligation to issue Shares in connection with the RSUs shall be subject to satisfaction of the Tax-Related Items liability. Unless otherwise determined by the Company or set forth in the Appendix, Tax-Related Items withholding obligations shall be satisfied by having the Company and/or the Employer withhold the cash equivalent of all or a portion of any Shares that otherwise would be issued to the Participant upon settlement of the vested RSUs; provided that amounts withheld shall not exceed the amount necessary to satisfy the Tax-Related Items withholding obligations of the Company and the Employer. Such withheld amounts shall be valued based on the Fair Market Value as of the date the withholding obligations are satisfied. For tax purposes, the Participant is deemed to have been issued the full number of Shares subject to the vested RSUs, notwithstanding that a number of the Shares is held back solely for the purpose of paying the Tax-Related Items withholding. The Company or the Employer may also satisfy the Tax-Related Items withholding liability by deduction from the Participant’s wages or other cash compensation paid to the Participant by the Company or the Employer. Alternatively, by the Participant’s acceptance of the RSUs, the Participant authorizes and directs the Company or any brokerage firm determined acceptable to the Company to sell on the Participant’s behalf a whole number of Shares from those Shares issued to the Participant as the Company determines to be sufficient to satisfy the obligation for Tax-Related Items. Finally, the Participant agrees to pay the Company or the Employer any Tax-Related Items withholding liability that cannot be satisfied by deduction from the Participant’s wages or other cash compensation paid to the Participant by the Company or the Employer or sale of the Shares acquired under the Plan.

8.     [Reserved]

9.    Rights as Stockholder. Neither the Participant nor any person claiming under or through the Participant will have any of the rights or privileges of a stockholder of the Company in respect of any Shares deliverable hereunder unless and until certificates representing such Shares have been issued, recorded on the records of the Company or its transfer agents or registrars, and delivered to the Participant.

10.    Acknowledgements. The Participant acknowledges and agrees to the following:

• the Plan is discretionary in nature and the Administrator may amend, suspend, or terminate it at any time;

3

• the grant of the RSUs is voluntary and occasional and does not create any contractual or other right to receive future grants of RSUs, or benefits in lieu of the RSUs even if the RSUs have been granted in the past;

• all determinations with respect to such future RSUs, if any, including but not limited to, the times when the RSUs shall be granted or when the RSUs shall vest, will be at the sole discretion of the Administrator;

• the Participant’s participation in the Plan is voluntary;

• the RSUs and the Shares subject to the RSUs, and the income and value of same, are not part of normal or expected compensation for purposes of calculating any severance, resignation, termination, redundancy, dismissal, end-of-service payments, bonuses, long-service awards, pension or retirement or welfare benefits or similar payments;

• the future value of the Shares is unknown, indeterminable and cannot be predicted with certainty;

• no claim or entitlement to compensation or damages shall arise from forfeiture of the RSUs resulting from the termination of the Participant's employment or other service relationship (for any reason whatsoever whether or not later found to be invalid or in breach of employment laws in the jurisdiction where the Participant is employed or the terms of the Participant’s employment agreement, if any), and in consideration of the grant of the RSUs to which the Participant is otherwise not entitled, the Participant irrevocably agrees never to institute any claim against the Company,any of its Affiliates or the Employer;

• the RSU grant and the Participant’s participation in the Plan shall not create a right to employment or be interpreted as forming an employment or services contract with the Company, the Employer or any Affiliate and shall not interfere with the ability of the Company, the Employer or any Affiliate, as applicable, to terminate the Participant’s employment or service relationship (if any);

• unless otherwise provided in the Plan or by the Company in its discretion, the RSUs and the benefits evidenced by this Award Agreement do not create any entitlement to have the RSUs or any such benefits transferred to, or assumed by, another company nor be exchanged, cashed out or substituted for, in connection with any corporate transaction affecting the shares of the Company;

• nothing herein contained shall affect the Participant’s right to participate in and receive benefits under and in accordance with the then current provisions of any pension, insurance or other Participant welfare plan or program of the Company or any Affiliate; and

• the following provisions apply only if the Participant is providing services outside the United States:

▪ the RSUs and the Shares subject to the RSUs are not part of normal or expected compensation or salary for any purpose; and

4

▪ the Participant acknowledges and agrees that neither the Company, the Employer nor any Affiliate shall be liable for any foreign exchange rate fluctuation between the Participant’s local currency and the United States Dollar that may affect the value of the RSUs or of any amounts due to the Participant pursuant to the settlement of the RSUs or the subsequent sale of any Shares acquired upon settlement.

11.    No Advice Regarding Grant. The Company is not providing any tax, legal or financial advice, nor is the Company making any recommendations regarding the Participant’s participation in the Plan, or the Participant’s acquisition or sale of the underlying Shares. The Participant is hereby advised to consult with his or her own personal tax, legal and financial advisors regarding his or her participation in the Plan before taking any action related to the Plan.

12.    Address for Notices. Any notice to be given to the Company under the terms of this Award Agreement will be addressed to the Company at 80 E Rio Salado Parkway Suite 600, Tempe, AZ 85281, Attn: Stock Administration, or at such other address as the Company may hereafter designate in writing.

13.    Grant is Not Transferable. Except to the limited extent provided in Section 6, this grant and the rights and privileges conferred hereby will not be transferred, assigned, pledged or hypothecated in any way (whether by operation of law or otherwise) and will not be subject to sale under execution, attachment or similar process. Upon any attempt to transfer, assign, pledge, hypothecate or otherwise dispose of this grant, or any right or privilege conferred hereby, or upon any attempted sale under any execution, attachment or similar process, this grant and the rights and privileges conferred hereby immediately will become null and void.

14.    Binding Agreement. Subject to the limitation on the transferability of this grant contained herein, this Award Agreement will be binding upon and inure to the benefit of the heirs, legatees, legal representatives, successors and assigns of the parties hereto.

15.    Additional Conditions to Issuance of Stock. If at any time the Company will determine, in its discretion, that the listing, registration or qualification of the Shares upon any securities exchange or under any state, U.S. federal or foreign law, or the consent or approval of any governmental regulatory authority is necessary or desirable as a condition to the issuance of Shares to the Participant (or his estate), such issuance will not occur unless and until such listing, registration, qualification, consent or approval will have been effected or obtained free of any conditions not acceptable to the Company. Where the Company determines that the issuance of any Shares will violate U.S. federal or foreign securities laws or other applicable laws, the Company will defer delivery until the earliest date at which the Company reasonably anticipates that the delivery of Shares will no longer cause such violation. The Company will make all reasonable efforts to meet the requirements of any law or securities exchange and to obtain any such consent or approval of any such governmental authority.

16.    Plan Governs. This Award Agreement is subject to all terms and provisions of the Plan. In the event of a conflict between one or more provisions of this Award Agreement and one or more provisions of the Plan, the provisions of the Plan will govern.

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17.    Administrator Authority. The Administrator will have the power to interpret the Plan and this Award Agreement and to adopt such rules for the administration, interpretation and application of the Plan as are consistent therewith and to interpret or revoke any such rules (including, but not limited to, the determination of whether or not any RSUs have vested). All actions taken and all interpretations and determinations made by the Administrator in good faith will be final and binding upon Participant, the Company and all other interested persons. No member of the Administrator will be personally liable for any action, determination or interpretation made in good faith with respect to the Plan or this Award Agreement.

18.    Captions. Captions provided herein are for convenience only and are not to serve as a basis for interpretation or construction of this Award Agreement.

19.    Agreement Severable. In the event that any provision in this Award Agreement will be held invalid or unenforceable, such provision will be severable from, and such invalidity or unenforceability will not be construed to have any effect on, the remaining provisions of this Award Agreement.

20.     Modifications to the Agreement. This Award Agreement, including the Appendix, and the Plan constitute the entire understanding of the parties on the subjects covered. The Participant expressly warrants that he or she is not accepting this Award Agreement in reliance on any promises, representations, or inducements other than those contained herein. Modifications to this Award Agreement or the Plan can be made only in an express written contract executed by a duly authorized officer of the Company.

21.    Electronic Delivery. The Company may, in its sole discretion, decide to deliver any documents related to RSUs awarded under the Plan or future RSUs that may be awarded under the Plan by electronic means or request the Participant’s consent to participate in the Plan by electronic means. The Participant hereby consents to receive such documents by electronic delivery and agrees to participate in the Plan through an on-line or electronic system established and maintained by the Company or another third party designated by the Company. Electronic execution of this Award Agreement and/or other documents shall have the same binding effect as a written or hard copy signature and accordingly, shall bind the Participant and the Company to all of the terms and conditions set forth in the Plan, this Award Agreement and/or such other documents.

22.    Authorization to Release and Transfer Necessary Personal Information.  The Participant hereby explicitly and unambiguously consents to the collection, use and transfer, in electronic or other form, of his or her personal data by and among, as applicable, the Company and its Affiliates for the exclusive purpose of implementing, administering and managing the Participant’s participation in the Plan. The Participant understands that the Company and its Affiliates may hold certain personal information about the Participant including, but not limited to, the Participant’s name, home address and telephone number, date of birth, social security number (or any other social or national identification number), salary, nationality, job title, number of Shares held and the details of all RSUs or any other entitlement to Shares awarded, cancelled, vested, unvested or outstanding (the “Data”) for the exclusive purpose of implementing, administering and managing the Participant’s participation in the Plan.

The Participant understands that the Data will be transferred to a stock plan service provider selected by the Company to assist the Company with the implementation, administration

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and management of the Plan. The Participant understands that the recipients of the Data may be located in the United States or elsewhere, and that the recipients’ country (e.g., the United States) may have different data privacy laws and protections than the Participant’s country. The Participant understands that if he or she resides outside the United States, he or she may request a list with the names and addresses of any potential recipients of the Data by contacting his or her local human resources representative. The Participant authorizes the Company and any other possible recipients which may assist the Company (presently or in the future) with implementing, administering and managing the Plan to receive, possess, use, retain and transfer the Data, in electronic or other form, for the sole purpose of implementing, administering and managing his or her participation in the Plan. Furthermore, the Participant acknowledges and understands that the transfer of Data to the Company, its Affiliates or to any third party is necessary for her or her participation in the Plan. The Participant understands that Data will be held only as long as is necessary to implement, administer and manage his or her participation in the Plan. The Participant understands if he or she resides outside the United States, he or she may, at any time, view the Data, request additional information about the storage and processing of the Data, require any necessary amendments to the Data or refuse or withdraw the consents herein, in any case without cost, by contacting his or her local human resources representative in writing. Further, the Participant understands that he or she is providing the consents herein on a purely voluntary basis. If the Participant does not consent, or if the Participant later seeks to revoke his or her consent, his or her status as a Service Provider with the Employer will not be adversely affected; the only adverse consequence of refusing or withdrawing the Participant’s consent is that the Company would not be able to grant the Participant RSUs or other equity awards or administer or maintain such awards. Therefore, the Participant understands that refusing or withdrawing his or her consent may affect the Participant’s ability to participate in the Plan. For more information on the consequences of refusal to consent or withdrawal of consent, the Participant understands that he or she may contact his or her local human resources representative.

23.    Compliance with Applicable Laws.The vesting of the RSUs under the Plan and the issuance, transfer, assignment, sale, or other dealings of the Shares shall be subject to compliance by the Company (or any Affiliate) and the Participant with all Applicable Laws.

24.    Language. If the Participant has received this Award Agreement or any other document related to the Plan translated into a language other than English and if the meaning of the translated version is different than the English version, the English version will control.

25.    Appendix. Notwithstanding any provisions in this Award Agreement, if the Participant resides outside the United States at any time during the life of the Award, the Participant’s participation in the Plan shall be subject to the Appendix for Non-U.S. Participants attached hereto as Appendix A. Moreover, if the Participant relocates to one of the countries included in the Appendix, the special terms and conditions will apply to the Participant, to the extent the Company determines that the application of such terms and conditions is necessary or advisable for legal or administrative reasons. The Appendix constitutes part of this Award Agreement.

26.    Governing Law. This Award Agreement will be governed by the laws of the State of California, without giving effect to the conflict of law principles thereof. For purposes of litigating any dispute that arises under this Award of RSUs or this Award Agreement, the parties hereby submit to and consent to the jurisdiction of the State of California, and agree that such litigation shall be

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conducted in the courts of Santa Clara County, California, or the federal courts for the United States for the Northern District of California, and no other courts, where this Award of RSUs is made and/or to be performed.

27.    Imposition of Other Requirements.    The Company reserves the right to impose other requirements on the Participant’s participation in the Plan, on the RSUs and on any Shares acquired under the Plan, to the extent the Company determines it is necessary or advisable for legal or administrative reasons, and to require the Participant to sign any additional agreements or undertakings that may be necessary to accomplish the foregoing.

28.    Waiver. The Participant acknowledges that a waiver by the Company of breach of any provision of this Award Agreement shall not operate or be construed as a waiver of any other provision of this Award Agreement, or of any subsequent breach by the Participant or any other participant.

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APPENDIX A

SVB FINANCIAL GROUP

GLOBAL RESTRICTED STOCK UNIT AWARD AGREEMENT

APPENDIX FOR NON-U.S. PARTICIPANTS

Terms and Conditions

This Appendix includes additional terms and conditions that govern the RSUs granted to the Participant under the Plan if he or she is in one of the countries listed below. If the Participant is a citizen or resident of a country (or are considered as such for local law purposes) other than the one in which the Participant is currently working or if the Participant moves to another country after receiving the grant of RSUs, the Company will, in its discretion, determine the extent to which the terms and conditions herein will be applicable to the Participant. Certain capitalized terms used but not defined in this Appendix have the meanings set forth in the Plan and/or the Award Agreement.

Notifications

This Appendix may also include information regarding exchange controls and certain other issues of which the Participant should be aware with respect to his or her participation in the Plan. The information is based on the securities, exchange control, and other laws in effect in the respective countries as of December 2013. Such laws are often complex and change frequently. As a result, the Company strongly recommends that the Participant not rely on the information in this Appendix as the only source of information relating to the consequences of the Participant’s participation in the Plan because the information may be out of date at the time the RSUs vest, the Shares underlying the RSUs are issued or the Participant sells Shares acquired under the Plan.

In addition, the information contained herein is general in nature and may not apply to the Participant’s particular situation, and the Company is not in a position to assure the Participant of a particular result. Accordingly, the Participant is advised to seek appropriate professional advice as to how the relevant laws in his country may apply to the Participant’s situation.

Finally, if the Participant is a citizen or resident of a country other than the one in which he or she is currently working, or is considered a resident of another country for local law purposes, or if the Participant transfers employment and/or residency to another country after the RSUs have been granted, the notifications contained herein may not be applicable in the same manner.

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CHINA

Terms and Conditions

Issuance After Vesting

This provision replaces Section 5 of the Award Agreement and applies only to Participants who are PRC nationals residing in the PRC, unless otherwise determined by the Company or required by the State Administration of Foreign Exchange (“SAFE”):

Upon the vesting of RSUs in accordance with Section 3, the Participant (or in the event of the Participant’s death, to his or her estate) shall be paid an amount in local currency through local payroll that is equal in value to the Fair Market Value of the applicable number of whole Shares otherwise issuable at vesting, provided that to the extent determined appropriate by the Company, any Tax-Related Items withholding with respect to such RSUs shall be deducted from the amount of cash otherwise payable to the Participant.

Exchange Control Requirements.

The Participant understands and agrees to comply with all exchange control restrictions imposed by SAFE or other exchange control authority in connection with the award of RSUs to him or her by the Company. The Participant further agrees to comply with any requirements that may be imposed by the Company in the future in order to facilitate compliance with exchange control requirements in the People’s Republic of China (the “PRC”).

If the Participant is a PRC national employee residing in the PRC or if otherwise determined by the Company or required by SAFE, the Participant will be required to repatriate the cash proceeds from the sale of the Shares issued upon the vesting of the RSUs to the PRC. Such Participant further understands that, under local law, the repatriation of his or her cash proceeds may need to be effectuated through a special exchange control account established by the Company or its Affiliate, and the Participant hereby consents and agrees that any proceeds from the sale of any Shares the Participant acquires may be transferred to such special account prior to being delivered to the Participant.

Finally, the Participant further understands and agrees that the Company is under no obligation to secure any particular exchange conversion rate with respect to the proceeds of the sale of the Shares and there may be delays in converting the cash proceeds to local currency due to exchange control restrictions. The Participant agrees to bear any currency fluctuation risk between the time the Shares are sold and the time the cash proceeds are received by the Participant in the PRC.

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INDIA

Terms and Conditions

Issuance after Vesting.

The following provision supplements Section 5 of the Award Agreement.

Any RSUs that vest in accordance with Section 3 will be paid in cash to the Participant (or in the event of the Participant’s death, to his or her estate) based on the value equivalent to the number of applicable whole Shares, provided that to the extent determined appropriate by the Company, any Tax-Related Items withholding with respect to such RSUs will be paid by reducing the amount otherwise payable to the Participant.

ISRAEL

Terms and Conditions

The following provision applies to the Participant if the Participant is in Israel on the Date of Grant.

Trust Arrangement.

The Participant understands and agrees that the RSUs are offered subject to and in accordance with the terms of the Plan, Israeli Subplan (the “Subplan”), Award Agreement and Israel Beneficiary 102 Undertaking. The Participant understands that the RSUs shall be allocated under the provisions of the track referred to as the “Capital Gain Route,” according to Section 102(b)(2) and 102(b)(3) of the Israeli Income Tax Ordinance (“Section 102”) and shall be held by the trustee for the periods stated in Section 102. The Participant hereby confirms that he or she has: (i) read and understands the Plan, Subplan, Award Agreement and Israel Beneficiary 102 Undertaking; (ii) received all the clarifications and explanations that the Participant has requested; and (iii) had the opportunity to consult with his or her advisers before accepting the Award Agreement. In the event of any inconsistencies between the provisions of this Israeli Appendix and the Award Agreement, the provisions of this Appendix shall govern the RSUs and any Shares and in no event shall any term require shareholder approval as set out in Section 21(b) of the Plan.

Limited Transferability.

This provision supplements Section 13 of the Award Agreement:

As long as the RSUs or any issued Shares are held by the Trustee on the Participant’s behalf, all of the Participant’s rights over the RSUs or the Shares are personal and cannot be transferred, assigned, pledged or mortgaged, other than by will or the laws of descent and distribution.

Subject to the provisions of the Plan, Section 102 and any rules or regulations or orders or procedures promulgated thereunder, to obtain favorable tax treatment for Capital Gain Route awards, the Participant may not sell or release from trust any Shares received upon vesting of the RSUs and/or any Shares received subsequently following any realization of rights, including without limitation, bonus shares, until the lapse of the holding period required under Section 102. Notwithstanding the above, if any such sale or release occurs during the holding period, the sanctions under Section 102

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and under any rules or regulation or orders or procedures promulgated thereunder will apply to and will be borne by the Participant.

Issuance of Shares.

This provision supplements Sections 5 and 6 of the Award Agreement:

If the Shares are to be issued during the holding period, such Shares shall be restricted and will be held by the Trustee on the Participant’s behalf. In the event that the Shares are to be issued after the expiration of the holding period, the Participant may elect to have the Shares issued and delivered directly to him or her, provided that the Participant first complies with any Tax-Related Items stipulated under this Award Agreement to the Trustee’s and the Company’s satisfaction, or in trust on the Participant’s behalf to the Trustee.

Withholding of Taxes.

This provision supplements Section 7 of the Award Agreement:

The Participant hereby agrees to indemnify the Company (or any Affiliate) and/or the Trustee and hold them harmless against and from any and all liability for any Tax-Related Items and other amounts, or interest or penalty thereon, including without limitation, liabilities relating to the necessity to withhold, or to have withheld, any such amounts from any payment made to the Participant. Any reference to the Company or the Employer shall include a reference to the Trustee. The Participant hereby undertakes to release the Trustee from any liability in respect of any action or decisions duly taken and bona fide executed in relation to the Plan or any RSUs or Shares acquired under the Plan. The Participant agrees to execute any and all documents which the Company or the Trustee may reasonably determine to be necessary in order to comply with the Israeli Income Tax Ordinance.

The Participant shall not be liable for the Employer’s components of payments to the national insurance institute, unless otherwise agreed by the Participant and allowed by applicable tax laws. Furthermore, the Participant agrees to indemnify the Company, the Employer and/or the Trustee and hold them harmless against and from any and all liability for any such tax or interest or penalty thereon that Participant has agreed to pay, including without limitation, liabilities relating to the necessity to withhold, or to have withheld, any such tax from any payment made to the Participant for which the Participant is responsible.

Notwithstanding anything to the contrary in the Award Agreement, no Tax-Related Items will be settled by withholding Shares, unless the ITA approves otherwise in writing.

Governing Law.

This section supplements Section 26 of the Award Agreement:

To the extent any covenant, condition, or other provision of the Award Agreement and the rights of the Participant hereunder are intended to be rights granted under Section 102 and therefore determined to be subject to Israeli law, such covenant, condition, or other provision of the Award Agreement shall be subject to applicable Israeli law, but shall in no way affect, impair or invalidate

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any other provision of the Award Agreement, and the applicability of the Plan to such covenant, condition, or other provision of the Award Agreement.

Written Acceptance.

The Participant must print, sign and deliver the signed copy of the Israel Beneficiary 102 Undertaking within 45 days to: 80 E Rio Salado Parkway Suite 600, Tempe, AZ 85281, Attn: Stock Administration. If the Company does not receive the signed Israel Beneficiary 102 Undertaking within 45 days, the RSUs may not qualify for preferential tax treatment.

The following provision applies if the Participant transfers into Israel after the Date of Grant.

Issuance after Vesting.

The following provision replaces Section 5 of the Award Agreement.

Any RSUs that vest in accordance with the vesting schedule in the Notice of Grant will be paid to the Participant (or in the event of the Participant's death, to his or her estate), upon satisfaction, as determined by the Company, of any Tax-Related Items as set forth in Section 7 of this Award Agreement. At the discretion of the Company, the Shares will be subject to an immediate forced sale restriction, pursuant to which all Shares acquired at vesting will be immediately sold and the Participant will receive the sale proceeds less Tax-Related Items and applicable broker fees and commissions. In this case, the Participant will not be entitled to hold any Shares acquired at vesting.

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SVB FINANCIAL GROUP

GLOBAL RESTRICTED STOCK UNIT AWARD AGREEMENT

ISRAEL BENEFICIARY 102 UNDERTAKING

If the Participant has not already executed an Israel Beneficiary 102 Undertaking in connection with grants made under the Israeli Subplan, the Participant must print, sign and deliver the signed copy of this Israel Beneficiary 102 Undertaking within 45 days to: 80 E Rio Salado Parkway Suite 600, Tempe, AZ 85281, Attn: Stock Administration. If the Company does not receive the signed Israel Beneficiary 102 Undertaking within 45 days, the RSUs may not qualify for preferential tax treatment.

1. I hereby agree that any shares (the “Shares”) (as defined by Section 102 of the Income Tax Ordinance [New Version], 1961) (the “Tax Ordinance”) issued to me by SVB Financial Group according to and under the terms and conditions of the Plan and the Israeli Subplan adopted by SVB Financial Group as of January 8, 2014 (collectively, the "Plan") are granted to me to qualify under the capital gain tax treatment in accordance and pursuant to Section 102(b)(2) of the Tax Ordinance after 132 amendment (“Section 102”) and the Income Tax Rules (Tax Relief upon the Allotment of Shares to Employees), 2003 (the “Rules”) unless I am otherwise notified subject to SVB Financial Group’s absolute discretion to change such election on future grants and subject to the Tax Authorities’ approval.

2. I declare and confirm that I am familiar with the terms of Section 102, the Rules, and the implications and consequences of the chosen tax arrangement with respect to the Shares, and consent that all the terms and conditions set forth in Section 102 and the Rules, as shall be amended from time to time, shall apply to me and bind me.

3. I hereby declare and confirm that I am familiar with the provisions of the trust agreement signed between SVB Israel Advisors Ltd. and Tamir Fishman Trusts 2004 Ltd. (the "Trustee") (the “Trust Agreement”), including the deed of trust, attached to the Trust Agreement and constitute an integral part thereto (“Deed of Trust”), and I consent that the Trust Agreement and the Deed of Trust shall fully bind me.

4. Without derogating from the generality of the aforesaid, I agree that the Shares will be deposited in trust with the Trustee and be held in trust in accordance with Section 102, the Rules and the Trust Agreement.

5. I hereby declare and consent that any and all the rights that I shall be entitled to with respect to the Shares, including, without limitation, dividend, bonus shares and shares issued pursuant to adjustments made by SVB Financial Group, shall be issued in the name of the Trustee and be deposited with the Trustee,] and shall be subject to Section 102, the Rules and the Trust Agreement.

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6. Without derogating from the generality of the aforesaid, I acknowledge that during the “Holding Period” as determined by the Tax Ordinance I am prevented from selling the Shares, or releasing them from the Trustee, before the termination of the “Holding Period” and I understand the tax implications and consequences that may be applied as a result of breaching such obligation, as set by Section 102, which I am familiar with.

7. If I will cease to be an Israeli resident or if my employment will be terminated for any reason, the Shares shall remain subject to section 102, the Rules and the Trust Agreement.

8. I hereby agree that any tax liability whatsoever arising from the grant, vesting or exercise of any awards, sale of Shares, release of Shares from the Trustee or any other event or act with respect to the Shares granted to me, shall be borne solely by me. I declare and consent that the SVB Financial Group, SVB Israel Advisors Ltd. and/or the Trustee shall make any tax payment due, out of the proceeds of any sale of Shares, to any tax authority, according to Section 102, the Rules, the Trust Agreement or any other compulsory payments or applicable law.

9. I understand that this grant of Shares under the capital gain track is conditioned upon the receipt, inter alia, of all required approvals from the tax authorities. Accordingly, to the extent that for whatever reason SVB Israel Advisors Ltd. shall not be granted an approval by the Israeli Tax Authorities under section 102, I shall bear and pay any and all taxes and any other compulsory payments applicable to the grant, exercise, sale or other disposition of options or stocks; I hereby declare and consent for the SVB Financial Group, SVB Israel Advisors Ltd. and/or the Trustee to deduct any tax payment due, out of the proceeds of any sale of Shares, for any payment to The tax authorities, according to the Rules, or any other applicable compulsory payments.

10. I confirm that SVB Financial Group and/or the Trustee shall not be required to release any Shares or any proceeds deriving from the sale of Shares, to me, until all required tax payments according to section 102, the Rules and the Trust Agreement, including any other compulsory payments, or applicable law, have been fully assured.

11. I acknowledge that the Trustee is not a tax advisor and it is recommended that I consult a tax advisor before I accept this letter, any restricted stock units vest, sell any Shares or release them from the Trustee, or any other act.

12. I agree to indemnify SVB Financial Group, SVB Israel Advisors Ltd. and/or the Trustee and to hold them harmless against and from any and all liability for any damage and/or loss and/or expense that might occur regarding the tax liability and/or the execution of the Trust Agreement.

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13. I hereby agree to bear all the applicable fees and commissions involved in establishing and maintaining trust account in the Trustee’s name, and in performing any action in the trust account.

14. I hereby agree to sign any document reasonably required at the Company’s and/or the Trustee’s request.

15. I hereby confirm that I read this letter thoroughly, received all the clarifications and explanations I requested, I understand the contents of this letter and the obligations I undertake in signing it.

____________________        _______________    ___________________

Name of the Beneficiary         I.D Number         Signature

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UNITED KINGDOM

Terms and Conditions

RSUs Payable Only in Shares.

RSUs granted to the Participant resident in the United Kingdom shall be paid in Shares only and do not provide any right for the Participant to receive a cash payment, notwithstanding any discretion contained in the Plan to the contrary.

Withholding of Taxes.

The following provision supplements Section 7 of the Award Agreement:

If payment or withholding of the Tax-Related Items is not made within ninety (90) days of the event giving rise to the Tax-Related Items or such other period specified in Section 222(1)(c) of the U.K. Income Tax (Earnings and Pensions) Act 2003 (the “Due Date”), the amount of any uncollected Tax-Related Items shall constitute a loan owed by the Participant to the Employer, effective as of the Due Date. The Participant agrees that the loan will bear interest at the then-current official rate of Her Majesty’s Revenue & Customs (“HMRC”), it will be immediately due and repayable, and the Company or the Employer may recover it at any time thereafter by any of the means referred to in Section 7 of the Award Agreement.

Notwithstanding the foregoing, if the Participant is a director or executive officer of the Company (within the meaning of Section 13(k) of the Exchange Act), the Participant shall not be eligible for a loan from the Company to cover the Tax-Related Items. In the event that the Participant is a director or executive officer and any such Tax-Related Items are not collected from or paid by the Participant by the Due Date, the amount of any uncollected income taxes will constitute a benefit to the Participant on which additional income tax and National Insurance Contributions (“NICs”) will be payable. The Participant will be responsible for reporting and paying any income tax due on this additional benefit directly to HMRC under the self-assessment regime and for reimbursing the Company or the Employer (as applicable) for the value of any NICs due on this additional benefit which may be collected from the Participant by the Company or the Employer by any of the means referred to in Section 7 of the Award Agreement.

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EX-10.38

Exhibit 10.38

Notice of Grant of Stock Appreciation Rights and Award Agreement		SVB FINANCIAL GROUP ID:  94-2875288 3003 Tasman Drive Santa Clara, CA 95054
Grant Agreement:
Participant Name:        ###PARTICIPANT_NAME###	Grant Name: ###GRANT_NAME###
Employee Number:        ###EMPLOYEE_NUMBER###	Date of Grant:###ISSUE_DATE###
Total Stock Appreciation Rights:       Total ###DICTIONARY_AWARD_NAME###: ###TOTAL_AWARDS###	Expiry/Expiration Date: ###EMPLOYEE_GRANT_EXPIRY_DATE###
Plan: 2006 Equity Incentive Plan	Grant Price: ###GRANT_PRICE### ###GRANT_PRICE_REM_START### ###GRANT_PRICE_REM_END###
###EMPLOYEE_GRANT_VEST_SCHEDULE_TABLE###	###EMPLOYEE_GRANT_NUMBER###
Form of Payment: [Shares / Cash Payment]

Effective on the Date of Grant listed above, you have been granted an award of Stock Appreciation Rights (“SARs”) under the SVB Financial Group 2006 Equity Incentive Plan (the “Plan”) at the Grant Price listed in the Grant Agreement above. 

Shares subject to the SAR will become fully vested on the dates shown in the Vesting Schedule, subject to you continuing to be a Service Provider through each such date.

By your acceptance and the Company’s signature below, you and the Company agree that these SARs are granted under and governed by the terms and conditions of the Company’s 2006 Equity Incentive Plan and this Global Stock Appreciation Award Agreement, including any country appendix, all of which are attached and made a part of this document.

###HR_SIGNATURE###
SVB Financial Group	Date
Participant Name	Date

SVB FINANCIAL GROUP

GLOBAL STOCK APPRECIATION AWARD AGREEMENT

                SVB Financial Group (the “Company”), has granted to you a Stock Appreciation Right (“SAR”) pursuant to its 2006 Equity Incentive Plan (the “Plan”) and this Global Stock Appreciation Award Agreement, including any country-specific terms and conditions for your country set forth in the Appendix for Non-U.S. Participants (the “Appendix”) attached hereto as Appendix A (together with the Global Stock Appreciation Award Agreement, the “Award Agreement”).

                The grant hereunder is in connection with and in furtherance of the Company’s compensatory benefit plan for participation of the Company’s Employees (including Officers), Directors or Consultants.  Defined terms not explicitly defined in this Award Agreement shall have the same definitions as in the Plan or in the Notice of Grant of Stock Appreciation Rights (“Notice of Grant”), to which this Award Agreement is attached.

                The details of your SAR are as follows:

1.VALUE OF THE SAR. The SAR shall entitle you, upon exercise of the SAR (in whole or in part), to receive from the Company an amount payable in the form of Shares or cash, determined by the Company in its discretion, by multiplying:

(a)the appreciated value of one Share, calculated as the Fair Market Value of one Share on the date of exercise minus the Grant Price as shown in the Notice of Grant; by

(b)the number of Shares with respect to which the SAR is exercised.

The Grant Price shall be no less than one hundred percent (100%) of the Fair Market Value of the Common Stock on the Date of Grant of the SAR.

2.VESTING.  Subject to the limitations contained herein, the SAR will vest (become exercisable) as set forth in the Notice of Grant until either (i) you cease to be a Service Provider for any reason, or (ii) this SAR becomes fully vested. For purposes of this SAR, your status as a Service Provider will be considered terminated as of the date you are no longer actively providing services to the Company or one of its Affiliates (regardless of the reason for such termination and whether or not later found to be invalid or in breach of employment laws in the jurisdiction where you are employed or the terms of your employment agreement, if any), and unless otherwise expressly provided in this Award Agreement or determined by the Company, (i) your right to vest in this SAR under the Plan, if any, will terminate as of such date; and (ii) the period (if any) during which you may exercise this SAR shall be measured by the date upon which your employment with your employer (the “Employer”) and any notice period has ended. For the avoidance of doubt, employment shall include any contractual notice period or period of “garden leave” or similar period mandated under employment laws in the jurisdiction where you are employed or the other terms of your employment agreement, if any. The Committee shall have the exclusive discretion to determine when you are no longer employed for purposes of the SAR.

3.FORM OF PAYMENT. The Company shall satisfy its obligation upon your exercise of the SAR (in whole or in part) in Shares or cash payment, at the Company’s discretion, based upon the Fair Market Value of the Company’s Common Stock on the date of exercise. Notwithstanding the foregoing, if the SAR is settled in Shares, no fractional Shares shall be distributed in settlement of the SAR, and any portion of the SAR which would be settled in a fractional Share shall be paid to the Participant in cash.

4.SECURITIES LAW COMPLIANCE.  Notwithstanding anything to the contrary in the Plan or this Award Agreement, unless there is an available exemption from any registration, qualification or other legal requirement applicable to the Shares, the Company shall not be required to deliver any Shares issuable upon exercise of the SAR prior to the completion of any registration or qualification of the Shares under any local, state, federal or foreign securities or exchange control law or under rulings or regulations of the U.S. Securities and Exchange Commission (“SEC”) or of any other governmental regulatory body, or prior to obtaining any approval or other clearance from any local, state, federal or foreign governmental agency, which registration, qualification or approval the Company shall, in its absolute discretion, deem necessary or advisable. You understand that the Company is under no obligation to register or qualify the Shares with the SEC or any state or foreign securities commission or to seek approval or clearance from any governmental authority for the issuance or sale of the shares. Further, you agree that the Company shall have unilateral authority to amend the Plan and the Award Agreement without your consent to the extent necessary to comply with securities or other laws applicable to issuance of shares.

5.TERM.  The term of this SAR commences on the Date of Grant and expires on the Expiration Date, unless this SAR expires sooner as set forth below or in the Plan.  In no event may this SAR be exercised on or after the Expiration Date.  This SAR shall terminate prior to the Expiration Date as follows:  three (3) months after your termination as a Service Provider unless one of the following circumstances exists:

(a)Your termination as a Service Provider is due to your Disability.  This SAR will then expire on the earlier of the Expiration Date set forth above or twelve (12) months following such termination.

(b)Your termination as a Service Provider is due to your death.  This SAR will then expire on the earlier of the Expiration Date set forth above or twelve (12) months after your death.

(c)Your termination as a Service Provider is due to Cause (as defined in the Plan).  This SAR will then expire on the date of such termination.

(d)If during any part of such three (3)-month period you may not exercise your SAR solely because of the conditions set forth in Section 4 above, then your SAR will not expire until the earlier of the Expiration Date set forth above or until this SAR shall have been exercisable for an aggregate period of three (3) months after your termination as a Service Provider.

(e)If your exercise of the SAR within three (3) months after your termination as a Service Provider of the Company or of an Affiliate would result in liability under Section 16(b) of the Securities Exchange Act of 1934, then your SAR will expire on the earlier of (i) the Expiration Date set forth above, or (ii) the tenth (10th) day after the last date upon which exercise would result in such liability.

(f)However, this SAR may be exercised following your termination as a Service Provider only as to that number of Shares as to which it was exercisable on the date of termination under the provisions of Section 2 of this SAR.

6.    [RESERVED.]

7.             EXERCISE.

(a)           This SAR is exercisable by (i) delivery of an exercise notice, in the form and manner determined by the Administrator, or (ii) following an electronic or other exercise procedure prescribed by the Administrator, which in either case shall state the election to exercise the SAR, the number of Shares in respect of which the SAR is being exercised, and such other representations and agreements as may be required by the Company pursuant to the provisions of the Plan. Participant shall provide payment of any applicable Tax-Related Items (as defined in Section 10, herein) arising in connection with such exercise. This SAR shall be deemed to be exercised upon receipt by the Company of a fully executed exercise notice or completion of such exercise procedure, as the Administrator may determine in its sole discretion, accompanied by any applicable Tax-Related Items (as defined in Section 10, herein).

(b)           By exercising this SAR you agree that, as a precondition to the completion of any exercise, you must satisfy the Tax-Related Items in accordance with Section 10, herein.

8.             TRANSFERABILITY.

(a)           This SAR is not transferable, except by will or by the laws of descent and distribution, and is exercisable during your life only by you.

(b)           The terms of this Award Agreement (including, without limitation, Section 5(b) relating to termination as a result of death) shall apply to your beneficiaries and executors and administrators including the right to agree to any amendment of the applicable Award Agreement.

(c)           An SAR shall be exercised only by you (or your attorney in fact or guardian) or, in the case of your death, by the your executor or administrator, and no cash will be paid or Shares issued by the Company unless the exercise of an SAR is accompanied by sufficient payment, as determined by the Company, to meet the Tax-Related Items (as defined in Section 10, herein) on such exercise or by other arrangements satisfactory to the Committee to provide such payment.

9.    ACKNOWLEDGMENTS. You acknowledge and agree to the following:

•the Plan is discretionary in nature and the Administrator may amend, suspend, or terminate it at any time;

•the grant of this SAR is voluntary and occasional and does not create any contractual or other right to receive future grants of SARs, or benefits in lieu of the SARs even if SARs have been granted in the past;

•all determinations with respect to future SAR or other grants, if any, including but not limited to, the times when the SAR shall be granted or when the SAR shall vest, will be at the sole discretion of the Administrator;

•your participation in the Plan is voluntary;

•this SAR and any cash payment or Shares acquired under the Plan and the income and value of same, are not part of normal or expected compensation for purposes of calculating any severance, resignation, termination, redundancy, dismissal, end-of-service payments, bonuses, long-service awards, pension or retirement or welfare benefits or similar payments;

•the future value of the Shares is unknown, indeterminable, and cannot be predicted with certainty;

•if the underlying Shares do not increase in value, this SAR will have no value;

•if you exercise this SAR and acquire Shares, the value of such Shares may increase or decrease in value, even below the SAR Price;

•Neither the Plan nor the SAR shall be construed to createa right to employment or be interpreted as forming an employment or service contract with the Company, your Employer (the “Employer) or any Affiliate, and shall not interfere with the ability of the Company, the Employer or any Affiliate, as applicable, to terminate your status as a Service Provider (if any).

•No claim or entitlement to compensation or damages shall arise from forfeiture of this SAR resulting from the termination of your status as a Service Provider (for any reason whatsoever, whether or not later found to be invalid or in breach of employment laws in the jurisdiction where you are employed or the terms of your employment agreement, if any), and in consideration of the grant of this SAR to which you are otherwise not entitled, you irrevocably agree never to institute any claim against the Company, any of its Affiliates or the Employer.

•Nothing herein contained shall affect your right to participate in and receive benefits under and in accordance with the then current provisions of any pension, insurance or other welfare plan or program of the Company or any Affiliate.

•Unless otherwise provided in the Plan or by the Company in its discretion, this SAR and the benefits evidenced by this Award Agreement do not create any entitlement to have this SAR or any such benefits transferred to, or assumed by, another company nor to be exchanged, cashed out or substituted for, in connection with any corporate transaction affecting the Shares of the Company.

•The following provisions apply only if you are providing services outside the United States:

▪this SAR, cash payment and the Shares subject to this SAR are not part of normal or expected compensation or salary for any purpose; and

▪you acknowledge and agree that neither the Company, the Employer nor any Affiliateshall be liable for any foreign exchange rate fluctuation between your local currency and the United States Dollar that may affect the value of this SAR or of any amounts due to you pursuant to the exercise of this SAR or the subsequent sale of any Shares acquired upon exercise.

10.WITHHOLDING OF TAXES. The Company or one of its Affiliates shall assess tax and social insurance liability and requirements in connection with your participation in the Plan, including, without limitation, income tax, social insurance, payroll tax, fringe benefit tax, payment of account or other tax related items associated with the grant or exercise of the SAR or sale of the underlying Shares and legally applicable to you (the “Tax-Related Items”). These requirements may change from time to time as laws or interpretations change. Regardless of the actions of the Company or if different, your Employer in this regard, you hereby acknowledge and agree that the Tax-Related Items liability shall be your responsibility and liability.

You acknowledge that the Company’s obligation to issue Shares or make payment in connection with the SAR shall be subject to satisfaction of the Tax-Related Items liability. By your acceptance of the SAR and in exercising the SAR, you authorize the Company, the Employer or any brokerage firm determined acceptable to the Company to sell on your behalf that number of whole number of Shares from those Shares issued to you as the Company determines to be sufficient to satisfy the obligation for Tax Related Items unless you are not receiving Shares upon exercise or such method of exercise is not available to you under the terms of the Appendix or as otherwise determined by the Company. Alternatively, or in addition thereto, you further authorize the Company or the Employer to satisfy the Tax-Related Items withholding liability by deducting an amount from the cash payment, if any, made to you pursuant to the exercise or from your wages or other cash compensation to be paid to the you by the Company or the Employer. Finally, you agree to pay the Company or the Employer any Tax-Related Items withholding liability that cannot be satisfied by one of the methods of exercise set forth in this Award Agreement and authorized under the Plan.

11.    [RESERVED.]

12.    AUTHORIZATION TO RELEASE AND TRANSFER NECESSARY PERSONAL INFORMATION.You hereby explicitly and unambiguously consent to the collection, use and transfer, in electronic or other form, of your personal data as described in this Award Agreement and any other SAR grant materials by and among, as applicable, the Employer, the Company and its Affiliates for the exclusive purpose of implementing, administering and managing your participation in the Plan.

You understand that the Company and the Employer may hold certain personal information about you, including, but not limited to, your name, home address and telephone number, date of birth, social insurance number or other identification number, salary, nationality, job title, any shares of stock or directorships held in the Company, details of all options or any other entitlement to shares of stock awarded, canceled, exercised, vested, unvested or outstanding in your favor ("Data"), for the exclusive purpose of implementing, administering and managing the Plan.

You understand that Data will be transferred to a stock plan service provider selected by the Company to assist the Company with the implementation, administration and management of the Plan. You understand that the recipients of the Data may be located in the United States or elsewhere, and that the recipient’s country (e.g., the United States) may have different data privacy laws and protections than your country. You understand that if you reside outside the United States, you may request a list with the names and addresses of any potential recipients of the Data by contacting your local human resources representative. You authorize the Company and any other possible recipients which may assist the Company (presently or in the future) with implementing, administering and managing the Plan to receive, possess, use, retain and transfer the Data, in electronic or other form, for the sole purposes of implementing, administering and managing your participation in the Plan. You understand that Data will be held only as long as is necessary to implement, administer and manage your participation in the Plan. You understand that if you reside outside the United States, you may, at any time, view Data, request additional information about the storage and processing of Data, require any necessary amendments to Data or refuse or withdraw the consents herein, in any case without cost, by contacting in writing your local human resources representative. Further, you understand that you are providing the consents herein on a purely voluntary basis. If you do not consent, or if you later seek to revoke your consent, your status as a Service Provider with the Employer will not be adversely affected; the only adverse consequence of refusing or withdrawing your consent is that the Company would not be able to grant you SARs or other equity awards or administer or maintain such awards. Therefore, you understand that refusing or withdrawing your consent may affect your ability to participate in the Plan. For more information on the consequences of your refusal to consent or withdrawal of consent, you understand that you may contact your local human resources representative.

13.    COMPLIANCE WITH APPLICABLE LAWS. The vesting and exercise of the SAR under the Plan and the issuance, transfer, assignment, sale, or other dealings of the Shares shall be subject to compliance by the Company (or any Affiliate) and you with all Applicable Laws.

14.    ELECTRONIC DELIVERY. The Company may, in its sole discretion, decide to deliver any documents related to the SAR awarded under the Plan or future SARs that may be awarded under the Plan by electronic means or request your consent to participate in the Plan by electronic means. You hereby consent to receive such documents by electronic delivery and agree to participate in the Plan through an on-line or electronic system established and maintained by the Company or another third party designated by the Company. Electronic execution of this Award Agreement and/or other documents shall have the same binding effect as a written or hard copy signature and accordingly, shall bind you and the Company to all of the terms and conditions set forth in the Plan, this Award Agreement and/or such other documents.

15.    NOTICES.  Any notices provided for in this SAR or the Plan shall be given in writing and shall be deemed effectively given upon receipt or, in the case of notices delivered by the Company to you, five (5) days after deposit in the United States mail, postage prepaid, addressed to you at the address specified below or at such other address as you hereafter designate by written notice to the Company.

16.    GOVERNING PLAN DOCUMENT.  This SAR is subject to all the provisions of the Plan, a copy of which is attached hereto and its provisions are hereby made a part of this SAR, and is further subject to all interpretations, amendments, rules and regulations which may from time to time be promulgated and adopted pursuant to the Plan.  In the event of any conflict between the provisions of this SAR and those of the Plan, the provisions of the Plan shall control.

17.NO ADVICE REGARDING GRANT. The Company is not providing any tax, legal or financial advice, nor is the Company making any recommendations regarding your participation in the Plan, the cash payment or your acquisition or sale of the underlying Shares. You are hereby advised to consult with your own personal tax, legal and financial advisors regarding your participation in the Plan before taking any action related to the Plan.

18.AGREEMENT SEVERABLE. In the event that any provision in this Award Agreement will be held invalid or unenforceable, such provision will be severable from, and such invalidity or unenforceability will not be construed to have any effect on, the remaining provisions of this Award Agreement.

19.LANGUAGE. If you have received this Award Agreement or any other document related to the Plan translated into a language other than English and if the meaning of the translated version is different than the English version, the English version will control.

20.APPENDIX. Notwithstanding any provisions in this Award Agreement, if you reside outside the United States at any time during the life of this SAR, your participation in the Plan shall be subject to the Appendix for Non-U.S. Participants attached hereto as Appendix A. Moreover, if you relocate to one of the countries included in the Appendix, the special terms and conditions will apply to you, to the extent the Company determines that the application of such terms and conditions is necessary or advisable for legal or administrative reasons. The Appendix constitutes part of this Award Agreement.

21.GOVERNING LAW. This Award Agreement will be governed by the laws of the State of California, without giving effect to the conflict of law principles thereof. For purposes of litigating any dispute that arises under this SAR or this Award Agreement, the parties hereby submit to and consent to the jurisdiction of the State of California, and agree that such litigation shall be conducted in the courts of Santa Clara County, California, or the federal courts for the United States for the Northern District of California, and no other courts, where this Award Agreement is made and/or to be performed.

22.IMPOSITION OF OTHER REQUIREMENTS. The Company reserves the right to impose other requirements on your participation in the Plan, this SAR and on any Shares acquired under the Plan, to the extent the Company determines it is necessary or advisable for legal or administrative reasons, and to require you to sign any additional agreements or undertakings that may be necessary to accomplish the foregoing.

23.WAIVER. You acknowledge that a waiver by the Company of breach of any provision of this Award Agreement shall not operate or be construed as a waiver of any other provision of this Award Agreement, or of any subsequent breach by you or any other participant.

Notice of Exercise

SVB Financial Group
Attn:  Stock Administration

80 E Rio Salado Parkway Suite 600

Tempe, AZ 85281

I, _____________________ , elect to exercise the following SVB Financial Group Stock Appreciation Rights(s):

Grant	Grant	Number of Shares	Exercise Price	Aggregate
Number:	Date:	to be Exercised:	Per Share:	Grant Price:
			$	$
				$

TYPE OF EXERCISE:

o CASH(1)	o   CASHLESS    (Sale of underlying shares of SAR to pay tax-related items liability)
	o Sell shares	o Sell all shares listed above

BROKER INFORMATION (if applicable):

Firm:	DTC #	Account #
Contact Person:	Phone:	Fax:

o    I authorize my broker to pay to pay Silicon Valley Bank for the applicable taxes owed.

DELIVERY INSTRUCTIONS FOR SARs SETTLED IN SHARES:

o  Mail certificate to my home address.                          o  Deliver electronically to my Broker.

I will (i) provide any additional documents you require pursuant to the terms of the Award Agreement, (ii) pay any withholding taxes resulting from exercise of a SAR.

	Very truly yours,
SS#:
	Signed
Telephone:
	Address
Date:

(1)  The Effective Date of cash exercises is the day cash is received by Stock Administration, unless otherwise notified by Stock Administration as a result of insider trading restrictions.  If delivery is made by US Mail (or overnight courier) the Effective Date is the postmark date (or pick-up date). 

APPENDIX A

SVB FINANCIAL GROUP

GLOBAL STOCK APPRECIATION AWARD AGREEMENT

APPENDIX FOR NON-U.S. PARTICIPANTS

Terms and Conditions

This Appendix includes additional terms and conditions that govern the SAR granted to you under the Plan if you are in one of the countries listed below. If you are a citizen or resident of a country (or are considered as such for local law purposes) other than the one in which you are currently working or if you move to another country after receiving the SAR, the Company will, in its discretion, determine the extent to which the terms and conditions herein will be applicable to you. Certain capitalized terms used but not defined in this Appendix have the meanings set forth in the Plan and/or the Award Agreement.

Notifications

This Appendix may also include information regarding exchange controls and certain other issues of which you should be aware with respect to your participation in the Plan. The information is based on the securities, exchange control, and other laws in effect in the respective countries as of December 2013. Such laws are often complex and change frequently. As a result, the Company strongly recommends that you not rely on the information in this Appendix as the only source of information relating to the consequences of your participation in the Plan because the information may be out of date at the time you exercise the SAR or sell any Shares acquired under the Plan.

In addition, the information contained herein is general in nature and may not apply to your particular situation, and the Company is not in a position to assure you of a particular result. Accordingly, you are advised to seek appropriate professional advice as to how the relevant laws in your country may apply to your situation.

Finally, if you are a citizen or resident of a country other than the one in which you are currently working, or are considered a resident of another country for local law purposes, or if you transfer employment and/or residency to another country after the SAR has been granted, the notifications contained herein may not be applicable in the same manner.

CHINA

Terms and Conditions

Form of Payment

This provision applies only to Participants who are People’s Republic of China (the “PRC”) nationals residing in the PRC, unless otherwise determined by the Company or required by the State Administration of Foreign Exchange or its local authorities (“SAFE”):

The following provision replaces Section 3 of the Award Agreement.

Notwithstanding any other provisions in this Award Agreement or the Plan, the Company shall satisfy its obligation upon your exercise of the SAR (in whole or in part) in a cash payment equal to the local currency equivalent of the Fair Market Value of any Company Common Stock to be issued to you upon the date of exercise. In no event will you be issued Shares upon your exercise of the SAR. Such amounts shall be paid to you in RMB.

Exchange Control Requirements.

You understand and agree to comply with all exchange control restrictions imposed by the SAFE or other exchange control authority in connection with the SAR granted by the Company. You further agree to comply with any requirements that may be imposed by the Company in the future in order to facilitate compliance with exchange control requirements in the PRC.

If you are a PRC national employee residing in the PRC, the cash proceeds paid upon the exercise of the SAR must be repatriated to the PRC. You further understand that, under local law, the repatriation of your cash proceeds may need to be effectuated through a special exchange control account established by the Company or its Affiliate, and you hereby consent and agree that any proceeds from the exercise of the SAR may be transferred to such special account prior to being delivered to you.

Finally, you further understand and agree that the Company is under no obligation to secure any particular exchange conversion rate with respect to the SAR proceeds and there may be delays in converting the cash proceeds to local currency due to exchange control restrictions. You agree to bear any currency fluctuation risk between the time the SAR is exercised and the time the cash proceeds are received by you in the PRC.

INDIA

Terms and Conditions

Form of Payment

The following provision replaces Section 3 of the Award Agreement.

Notwithstanding any other provisions in this Award Agreement or the Plan, the Company shall satisfy its obligation upon your exercise of the SAR (in whole or in part) in a cash payment equal to the local currency equivalent of the Fair Market Value of any Company Common Stock to be issued to you upon the date of exercise. In no event will you be issued Shares upon your exercise of the SAR.

UNITED KINGDOM

Terms and Conditions

Withholding of Taxes.

The following provision supplements Section 10 of the Award Agreement:

If payment or withholding of the Tax-Related Items is not made within ninety (90) days of the event giving rise to the Tax-Related Items or such other period specified in Section 222(1)(c) of the U.K. Income Tax (Earnings and Pensions) Act 2003 (the “Due Date”), the amount of any uncollected Tax-Related Items shall constitute a loan owed by you to the Employer, effective as of the Due Date. You agree that the loan will bear interest at the then-current official rate of Her Majesty’s Revenue & Customs (“HMRC”), it will be immediately due and repayable, and the Company or the Employer may recover it at any time thereafter by any of the means referred to in Section 10 of the Award Agreement.

Notwithstanding the foregoing, if you are a director or executive officer of the Company (within the meaning of Section 13(k) of the Exchange Act), you shall not be eligible for a loan from the Company to cover the Tax-Related Items. In the event that you are a director or executive officer and any such Tax-Related Items are not collected from or paid by you by the Due Date, the amount of any uncollected income tax may constitute a benefit to you on which additional income tax and National Insurance Contributions (“NICs”) will be payable. You will be responsible for reporting and paying any income tax due on this additional benefit directly to HMRC under the self-assessment regime and for reimbursing the Company or the Employer (as applicable) for the value of any NICs due on this additional benefit which may be collected from you by the Company or the Employer by any of the means referred to in Section 10 of the Award Agreement.

EX-21.1

Exhibit 21.1

SVB Financial Group Annual Report on Form 10-K

Exhibit 21.1-Subsidiaries of SVB Financial Group

The following is a list of the direct and indirect subsidiaries of SVB Financial Group as of December 31, 2013:

Subsidiary	Jurisdiction of Incorporation or Organization
Capital Partners III, L.P.	Delaware
CP Secondaries Fund, L.P.	Delaware
GHVL, LP	California
Gold Hill Venture Lending 03, LP	California
Gold Hill Venture Lending 03-A, LP	California
Gold Hill Venture Lending 03-B, LP	California
Gold Hill Venture Lending 03-C, Inc.	Delaware
Gold Hill Venture Lending 03-C, LP	California
Gold Hill Venture Lending Partners 03, LLC	California
Partners for Growth, L.P.	Delaware
Qualified Investors Fund III, LLC	Delaware
Silicon Valley BancVentures, Inc.	California
Silicon Valley BancVentures, L.P.	California
Silicon Valley Bank	California
Strategic Investors Fund V, L.P.	Delaware
Strategic Investors Fund V-A, L.P	Delaware
Strategic Investors Fund V-A Opportunity, L.P	Delaware
Strategic Investors Fund V-B, L.P.	Delaware
Strategic Investors Fund VI, L.P.	Delaware
Strategic Investors Fund VI-A, L.P.	Delaware
SVB Analytics, Inc.	Delaware
SVB Asset Management	California
SVB Business Partners (Beijing) Co. Ltd.	China
SVB Business Partners (Shanghai) Co. Ltd.	China
SVB Capital-NT Growth Partners, L.P.	Delaware
SVB Capital Partners II, LLC	Delaware
SVB Capital Partners II, L.P.	Delaware
SVB Capital Partners III, LLC	Delaware
SVB Capital Preferred Return Fund, L.P.	Delaware
SVB Capital Shanghai Yangpu Venture Capital Fund, L.P.	China
SVB Capital Trust II	Delaware
SVB Financial Group UK Limited	United Kingdom
SVB GG Holdings, LLC	Delaware
SVB Global Financial, Inc.	Delaware
SVB Growth Investors, LLC	Delaware
SVBIF Management	Mauritius
SVB India Advisors, Pvt. Ltd.	India
SVB India Finance Private Limited	India
SVB International Finance, Inc	United States
SVB Israel Advisors, Ltd.	Israel
SVB Qualified Investors Fund, LLC	California
SVB Qualified Investors Fund II, LLC	Delaware
SVB Securities	California
SVB Strategic Investors Fund, L.P.	California
SVB Strategic Investors Fund II, L.P.	Delaware
SVB Strategic Investors Fund III, L.P.	Delaware
SVB Strategic Investors Fund IV, L.P.	Delaware
SVB Strategic Investors II, LLC	California
SVB Strategic Investors II, LLC	Delaware
SVB Strategic Investors III, LLC	Delaware
SVB Strategic Investors IV, LLC	Delaware
SVB Strategic Investors V, LLC	Delaware
SVB Strategic Investors VI, LLC	Delaware
SVB Venture Capital Investment Management (Shanghai) Co. Limited	China
SVB Wealth Advisory, Inc.	Delaware
Venture Investment Managers, L.P.	Delaware

EX-23.1

EXHIBIT 23.1

Consent of Independent Registered Public Accounting Firm

The Board of Directors and Stockholders        

SVB Financial Group:

We consent to the incorporation by reference in the registration statements on Form S-8 (No. 333-183323, 333-176232, 333-168836, 333-134655, 333-133262, 333-118091, 333-108434, 333-92410, 333-59590, 333-39680, 333-89641, 333-68857, 333-28185, 333-05489, 033-60467, 333-188707, 333-192471) and registration statements on Form S-3 (No. 333-169374, 333-163135, 333-156613, and 333-109312) of SVB Financial Group (the “Company”) of our reports dated February 27, 2014, with respect to the consolidated balance sheets of SVB Financial Group and subsidiaries as of December 31, 2013 and 2012, and the related consolidated statements of income, stockholders’ equity, cash flows, and comprehensive income for each of the years in the three-year period ended December 31, 2013, and the effectiveness of internal control over financial reporting as of December 31, 2013, which reports appear in the December 31, 2013 annual report on Form 10‑K of the Company.

/s/ KPMG LLP

San Francisco, California

February 27, 2014

EX-31.1

EXHIBIT 31.1

RULE 13a-14(a)/15d-14(a) CERTIFICATION

I, Greg Becker, certify that:

1. I have reviewed this annual report on Form 10-K of SVB Financial Group;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

(c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s Board of Directors (or persons performing the equivalent functions):

(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: February 27, 2014	/s/ GREG BECKER
	Greg Becker
	President and Chief Executive Officer
	(Principal Executive Officer)

EX-31.2

EXHIBIT 31.2

RULE 13a-14(a)/15d-14(a) CERTIFICATION

I, Michael Descheneaux, certify that:

1. I have reviewed this annual report on Form 10-K of SVB Financial Group;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

(c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s Board of Directors (or persons performing the equivalent functions):

(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: February 27, 2014	/s/ MICHAEL DESCHENEAUX
	Michael Descheneaux
	Chief Financial Officer
	(Principal Financial Officer)

EX-32.1

EXHIBIT 32.1

SECTION 1350 CERTIFICATIONS

I, Greg Becker, certify, pursuant to 18 U.S.C. Section 1350, that, to my knowledge, the annual report of SVB Financial Group on Form 10-K for the annual period ended December 31, 2013, (i) fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 and (ii) that the information contained in such Form 10-K fairly presents, in all material respects, the financial condition and results of operations of SVB Financial Group.

Date: February 27, 2014	/s/ GREG BECKER
	Greg Becker
	President and Chief Executive Officer
	(Principal Executive Officer)

I, Michael Descheneaux, certify, pursuant to 18 U.S.C. Section 1350, that, to my knowledge, the annual report of SVB Financial Group on Form 10-K for the annual period ended December 31, 2013, (i) fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 and (ii) that the information contained in such Form 10-K fairly presents, in all material respects, the financial condition and results of operations of SVB Financial Group.

Date: February 27, 2014	/s/ MICHAEL DESCHENEAUX
	Michael Descheneaux
	Chief Financial Officer
	(Principal Financial Officer)

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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2013

Receivables [Abstract]

Loans and Allowance for Loan Losses

The composition of loans, net of unearned income of $89 million and $77 million at December 31, 2013 and 2012, respectively, is presented in the following table:

	December 31,
(Dollars in thousands)	2013		2012
Commercial loans:
Software	$	4,102,636	$	3,261,489
Hardware	1,213,032		1,118,370
Venture capital/private equity	2,386,054		1,732,699
Life science	1,170,220		1,066,199
Premium wine	149,841		143,511
Other	288,904		315,453
Total commercial loans	9,310,687		7,637,721
Real estate secured loans:
Premium wine (1)	514,993		413,513
Consumer loans (2)	873,255		685,300
Other	30,743		—
Total real estate secured loans	1,418,991		1,098,813
Construction loans	76,997		65,742
Consumer loans	99,711		144,657
Total loans, net of unearned income (3)	$	10,906,386	$	8,946,933

(1) Included in our premium wine portfolio are gross construction loans of $112 million and $148 million at December 31, 2013 and 2012, respectively.

(2) Consumer loans secured by real estate at December 31, 2013 and 2012 were comprised of the following:

	December 31,
(Dollars in thousands)	2013		2012
Loans for personal residence	$	685,327	$	503,378
Loans to eligible employees	121,548		110,584
Home equity lines of credit	66,380		71,338
Consumer loans secured by real estate	$	873,255	$	685,300

(3) Included within our total loan portfolio are credit card loans of $85 million and $64 million at December 31, 2013 and 2012, respectively.

Composition of Loans, Net of Unearned Income, Broken Out by Portfolio Segment and Class of Financing Receivable

The composition of loans, net of unearned income of $89 million and $77 million at December 31, 2013 and December 31, 2012, respectively, broken out by portfolio segment and class of financing receivable, is as follows:

	December 31,
(Dollars in thousands)	2013		2012
Commercial loans:
Software	$	4,102,636	$	3,261,489
Hardware	1,213,032		1,118,370
Venture capital/private equity	2,386,054		1,732,699
Life science	1,170,220		1,066,199
Premium wine	664,834		557,024
Other	396,644		381,195
Total commercial loans	9,933,420		8,116,976
Consumer loans:
Real estate secured loans	873,255		685,300
Other consumer loans	99,711		144,657
Total consumer loans	972,966		829,957
Total loans, net of unearned income	$	10,906,386	$	8,946,933

Aging of Gross Loans, Broken out by Portfolio Segment and Class of Financing Receivable

The following table summarizes the aging of our gross loans, broken out by portfolio segment and class of financing receivable as of December 31, 2013 and 2012:

(Dollars in thousands)	30 - 59   Days Past   Due		60 - 89   Days Past   Due		Greater Than 90   Days Past   Due		Total Past   Due		Current		Loans Past Due   90 Days or More Still Accruing Interest
December 31, 2013:
Commercial loans:
Software	$	9,804	$	1,291	$	99	$	11,194	$	4,102,546	$	99
Hardware	2,679		3,965		—		6,644		1,198,169		—
Venture capital/private equity	4		—		—		4		2,408,382		—
Life science	395		131		—		526		1,179,462		—
Premium wine	—		—		—		—		665,755		—
Other	1,580		142		—		1,722		397,416		—
Total commercial loans	14,462		5,529		99		20,090		9,951,730		99
Consumer loans:
Real estate secured loans	240		—		—		240		872,586		—
Other consumer loans	8		—		—		8		98,965		—
Total consumer loans	248		—		—		248		971,551		—
Total gross loans excluding impaired loans	14,710		5,529		99		20,338		10,923,281		99
Impaired loans	4,657		7,043		4,339		16,039		35,610		—
Total gross loans	$	19,367	$	12,572	$	4,438	$	36,377	$	10,958,891	$	99
December 31, 2012:
Commercial loans:
Software	$	5,890	$	238	$	19	$	6,147	$	3,284,489	$	19
Hardware	167		32		—		199		1,107,422		—
Venture capital/private equity	7		—		—		7		1,749,896		—
Life science	207		117		—		324		1,076,468		—
Premium wine	—		—		—		—		554,886		—
Other	280		—		—		280		378,619		—
Total commercial loans	6,551		387		19		6,957		8,151,780		19
Consumer loans:
Real estate secured loans	—		—		—		—		683,254		—
Other consumer loans	111		—		—		111		143,867		—
Total consumer loans	111		—		—		111		827,121		—
Total gross loans excluding impaired loans	6,662		387		19		7,068		8,978,901		19
Impaired loans	3,901		9,676		2,269		15,846		22,433		—
Total gross loans	$	10,563	$	10,063	$	2,288	$	22,914	$	9,001,334	$	19

Impaired Loans and Allowance for Loan Losses, Broken out by Portfolio Segment and Class of Financing Receivable

The following table summarizes our impaired loans as they relate to our allowance for loan losses, broken out by portfolio segment and class of financing receivable as of December 31, 2013 and 2012:

(Dollars in thousands)	Impaired loans for   which there is a related allowance for loan losses		Impaired loans for   which there is no related allowance for loan losses		Total carrying value of impaired loans		Total unpaid principal of impaired loans (1)
December 31, 2013:
Commercial loans:
Software	$	27,308	$	310	$	27,618	$	28,316
Hardware	19,329		338		19,667		35,317
Venture capital/private equity	40		—		40		40
Life Science	—		1,278		1,278		4,727
Premium wine	—		1,442		1,442		1,778
Other	690		—		690		718
Total commercial loans	47,367		3,368		50,735		70,896
Consumer loans:
Real estate secured loans	—		244		244		1,434
Other consumer loans	670		—		670		941
Total consumer loans	670		244		914		2,375
Total	$	48,037	$	3,612	$	51,649	$	73,271
December 31, 2012:
Commercial loans:
Software	$	3,191	$	72	$	3,263	$	4,475
Hardware	21,863		—		21,863		38,551
Venture capital/private equity	—		—		—		—
Life science	—		—		—		—
Premium wine	—		4,398		4,398		4,716
Other	—		5,415		5,415		9,859
Total commercial loans	25,054		9,885		34,939		57,601
Consumer loans:
Real estate secured loans	—		2,239		2,239		7,341
Other consumer loans	1,101		—		1,101		1,300
Total consumer loans	1,101		2,239		3,340		8,641
Total	$	26,155	$	12,124	$	38,279	$	66,242

(1) The unpaid principal balances for hardware and real estate secured consumer loans as of December 31, 2012 have been corrected from previously reported amounts resulting in the total unpaid principal of impaired loans at December 31, 2012 changing from $55.4 million to $66.2 million.

Average Impaired Loans, Broken out by Portfolio Segment and Class of Financing Receivable

The following table summarizes our average impaired loans, broken out by portfolio segment and class of financing receivable during 2013, 2012 and 2011:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Average impaired loans:
Commercial loans:
Software	$	6,254	$	2,223	$	2,575
Hardware	24,508		19,242		5,854
Venture capital/private equity	37		—		—
Life science	334		345		1,228
Premium wine	2,210		3,513		2,566
Other	3,601		3,558		4,751
Total commercial loans	36,944		28,881		16,974
Consumer loans:
Real estate secured loans	2,957		5,037		19,179
Other consumer loans	945		1,896		1,076
Total consumer loans	3,902		6,933		20,255
Total average impaired loans	$	40,846	$	35,814	$	37,229

Activity in Allowance for Loan Losses Broken out by Portfolio Segment

The following tables summarize the activity relating to our allowance for loan losses for 2013, 2012, and 2011 broken out by portfolio segment:

Year ended December 31, 2013	Beginning Balance December 31, 2012		Charge-offs			Recoveries		Provision for (Reduction of) Loan Losses			Ending Balance December 31, 2013
(Dollars in thousands)
Commercial loans:
Software	$	42,648	$	(8,861	)	$	1,934	$	28,363		$	64,084
Hardware	29,761		(18,819		)	2,677		22,934			36,553
Venture capital/private equity	9,963		—			—		6,422			16,385
Life science	13,606		(6,010		)	1,860		2,470			11,926
Premium wine	3,523		—			170		221			3,914
Other	3,912		(8,107		)	2,995		4,880			3,680
Total commercial loans	103,413		(41,797		)	9,636		65,290			136,542
Consumer loans	7,238		(869		)	1,572		(1,597		)	6,344
Total allowance for loan losses	$	110,651	$	(42,666	)	$	11,208	$	63,693		$	142,886

Year ended December 31, 2012	Beginning Balance December 31, 2011		Charge-offs			Recoveries		Provision for (Reduction of) Loan Losses			Ending Balance December 31, 2012
(Dollars in thousands)
Commercial loans:
Software	$	38,263	$	(4,316	)	$	4,874	$	3,827		$	42,648
Hardware	16,810		(20,247		)	1,107		32,091			29,761
Venture capital/private equity	7,319		—			—		2,644			9,963
Life science	10,243		(5,080		)	334		8,109			13,606
Premium wine	3,914		(584		)	650		(457		)	3,523
Other	5,817		(2,485		)	1,377		(797		)	3,912
Total commercial loans	82,366		(32,712		)	8,342		45,417			103,413
Consumer loans	7,581		(607		)	1,351		(1,087		)	7,238
Total allowance for loan losses	$	89,947	$	(33,319	)	$	9,693	$	44,330		$	110,651

Year ended December 31, 2011	Beginning Balance December 31, 2010		Charge-offs			Recoveries		Provision for (Reduction of) Loan Losses			Ending Balance December 31, 2011
(Dollars in thousands)
Commercial loans:
Software	$	29,288	$	(10,252	)	$	11,659	$	7,568		$	38,263
Hardware	14,688		(4,828		)	455		6,495			16,810
Venture capital/private equity	8,241		—			—		(922		)	7,319
Life science	9,077		(4,201		)	6,644		(1,277		)	10,243
Premium wine	5,492		(449		)	1,223		(2,352		)	3,914
Other	5,318		(3,954		)	471		3,982			5,817
Total commercial loans	72,104		(23,684		)	20,452		13,494			82,366
Consumer loans	10,523		(220		)	4,671		(7,393		)	7,581
Total allowance for loan losses	$	82,627	$	(23,904	)	$	25,123	$	6,101		$	89,947

Allowance for Loan Losses Individually and Collectively Evaluated for Impairment

The following table summarizes the allowance for loan losses individually and collectively evaluated for impairment as of December 31, 2013 and 2012, broken out by portfolio segment:

	December 31, 2013				December 31, 2012
(Dollars in thousands)	Individually Evaluated for   Impairment		Collectively Evaluated for   Impairment		Individually Evaluated for   Impairment		Collectively Evaluated for   Impairment
Commercial loans:
Software	$	11,261	$	52,823	$	762	$	41,886
Hardware	9,673		26,880		5,251		24,510
Venture capital/private equity	19		16,366		—		9,963
Life science	—		11,926		—		13,606
Premium wine	—		3,914		—		3,523
Other	156		3,524		—		3,912
Total commercial loans	21,109		115,433		6,013		97,400
Consumer loans	168		6,176		248		6,990
Total allowance for loan losses	$	21,277	$	121,609	$	6,261	$	104,390

Credit Quality Indicators, Broken out by Portfolio Segment and Class of Financing Receivables

The following table summarizes the credit quality indicators, broken out by portfolio segment and class of financing receivables as of December 31, 2013 and 2012:

(Dollars in thousands)	Pass		Performing     (Criticized)		Impaired		Total
December 31, 2013:
Commercial loans:
Software	$	3,875,043	$	238,697	$	27,618	$	4,141,358
Hardware	995,055		209,758		19,667		1,224,480
Venture capital/private equity	2,408,386		—		40		2,408,426
Life science	1,091,993		87,995		1,278		1,181,266
Premium wine	652,747		13,008		1,442		667,197
Other	383,602		15,536		690		399,828
Total commercial loans	9,406,826		564,994		50,735		10,022,555
Consumer loans:
Real estate secured loans	868,789		4,037		244		873,070
Other consumer loans	95,586		3,387		670		99,643
Total consumer loans	964,375		7,424		914		972,713
Total gross loans	$	10,371,201	$	572,418	$	51,649	$	10,995,268
December 31, 2012:
Commercial loans:
Software	$	3,050,449	$	240,187	$	3,263	$	3,293,899
Hardware	970,802		136,819		21,863		1,129,484
Venture capital/private equity	1,748,663		1,240		—		1,749,903
Life science	956,276		120,516		—		1,076,792
Premium wine	545,697		9,189		4,398		559,284
Other	360,291		18,608		5,415		384,314
Total commercial loans	7,632,178		526,559		34,939		8,193,676
Consumer loans:
Real estate secured loans	663,911		19,343		2,239		685,493
Other consumer loans	132,818		11,160		1,101		145,079
Total consumer loans	796,729		30,503		3,340		830,572
Total gross loans	$	8,428,907	$	557,062	$	38,279	$	9,024,248

Summary of Loans Modified in Troubled Debt Restructurings ("TDRs") by Portfolio Segment and Class of Financing Receivables

The following table summarizes our loans modified in TDRs, broken out by portfolio segment and class of financing receivables at December 31, 2013 and 2012:

	December 31,
(Dollars in thousands)	2013		2012
Loans modified in TDRs:
Commercial loans:
Software	$	5,860	$	2,021
Hardware	13,329		20,514
Venture capital/ private equity	77		—
Premium wine	1,442		2,593
Other	1,055		5,900
Total commercial loans	21,763		31,028
Consumer loans:
Real estate secured loans	—		2,199
Other consumer loans	670		1,101
Total consumer loans	670		3,300
Total	$	22,433	$	34,328

Recorded Investment in Loans Modified in TDRs

The following table summarizes the recorded investment in loans modified in TDRs, broken out by portfolio segment and class of financing receivable, for modifications made during 2013, 2012, and 2011:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Loans modified in TDRs during the period:
Commercial loans:
Software	$	4,932	$	1,939	$	615
Hardware	8,143		20,514		4,018
Venture capital/ private equity	77		—		—
Premium wine	—		1,024		1,949
Other	690		4,878		3,884
Total commercial loans	13,842		28,355		10,466
Consumer loans:
Real estate secured loans	—		368		—
Other consumer loans	6		—		3,133
Total consumer loans	6		368		3,133
Total loans modified in TDRs during the period (1)	$	13,848	$	28,723	$	13,599

(1) During 2013 , 2012, and 2011 we had partial charge-offs of $11.1 million, $14.3 million, and $2.8 million respectively, on loans classified as TDRs.

Recorded Investment in Loans Modified in TDRs within Previous 12 months Subsequently Defaulted

The following table summarizes the recorded investment in loans modified in TDRs within the previous 12 months that subsequently defaulted during their respective periods, broken out by portfolio segment and class of financing receivable:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
TDRs modified within the previous 12 months that defaulted during the period:
Commercial loans:
Hardware	$	1,627	$	1,868	$	1,885
Venture capital/ private equity	38		—		—
Premium wine	—		—		1,949
Other	365		—		—
Total commercial loans	2,030		1,868		3,834
Consumer loans:
Real estate secured loans	—		120		—
Other consumer loans	6		—		3,133
Total consumer loans	6		120		3,133
Total TDRs modified within the previous 12 months that defaulted in the period	$	2,036	$	1,988	$	6,967

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Parent Company Only Condensed Financial Information Condensed Balance Sheet (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Assets:
Cash and cash equivalents	$ 1,538,779	$ 1,008,983	$ 1,114,948	$ 3,076,432
Investment securities	13,582,315	12,527,442
Net loans	10,763,500	8,836,282
Other assets	465,110	326,871
Total assets	26,417,189	22,766,123
Liabilities and total equity
Other liabilities	404,586	360,566
Total liabilities	23,337,861	20,160,890
SVBFG stockholders' equity	1,966,270	1,830,555
Total liabilities and total equity	26,417,189	22,766,123
Parent Company
Assets:
Cash and cash equivalents	218,148	169,067	137,185	433,661
Investment securities	234,398	252,858
Net loans	4,791	8,869
Other assets	136,897	116,596
Total assets	2,393,529	2,255,804
Liabilities and total equity
Other liabilities	24,030	22,058
Total liabilities	427,259	425,249
SVBFG stockholders' equity	1,966,270	1,830,555
Total liabilities and total equity	2,393,529	2,255,804
Parent Company | 5.375% Senior Notes
Liabilities and total equity
Notes payable	348,209	347,995
Parent Company | 7.0% Junior Subordinated Debentures
Liabilities and total equity
Notes payable	55,020	55,196
Parent Company | Bank Subsidiaries
Assets:
Investment in subsidiaries	1,639,024	1,592,987
Parent Company | Nonbank Subsidiaries
Assets:
Investment in subsidiaries	$ 160,271	$ 115,427

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Income Taxes - Additional Information (Detail) (USD $)	3 Months Ended				12 Months Ended
	Sep. 30, 2013	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2012 Internal Revenue Service (IRS)	Dec. 31, 2013 State and Local Jurisdiction	Dec. 31, 2013 Federal	Dec. 31, 2013 Unrecognized Tax Benefits Before Interest And Penalties [Member]	Dec. 31, 2012 Unrecognized Tax Benefits Before Interest And Penalties [Member]
Income Taxes [Line Items]
Accrued current taxes payable		$ 16,200,000
Tax years under examination					Our U.S. federal tax returns for 2010 and subsequent years remain open to examination. Our California tax returns for 2008 and subsequent tax years remain open to examination. Massachusetts tax returns for 2008, 2010 and subsequent years remain open to examination.
Prior period tax expense adjustment	3,000,000
Current taxes receivable			(8,600,000)
Federal net operating loss carryforwards		16,000,000		0
State net operating loss carryforward		7,800,000		0
Foreign net operating loss carryforwards		19,000,000	11,000,000
Federal and state net operating loss carryforwards subject to limitations						2,000,000	7,000,000
Valuation allowance		(10,006,000)	(8,539,000)
Unrecognized tax benefit		343,000	444,000					252,000	284,000
Reduction in income tax expense resulting from recognition of unrecognized tax benefit		$ 300,000

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Nature of Business (Details) (UNITED STATES)	Dec. 31, 2013 Store
UNITED STATES
Organization Consolidation And Presentation Of Financial Statements Disclosure [Line Items]
Number of offices in the United States	28

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Fair Value of Financial Instruments (Tables)

12 Months Ended

Dec. 31, 2013

Fair Value Disclosures [Abstract]

Fair Value Hierarchy Tables Present Information about Assets and Liabilities Measured at Fair Value on a Recurring Basis

The following fair value hierarchy table presents information about our assets and liabilities that are measured at fair value on a recurring basis as of December 31, 2013:

(Dollars in thousands)	Level 1		Level 2		Level 3		Balance at December 31, 2013
Assets
Available-for-sale securities:
U.S. treasury securities	$	—	$	—	$	—	$	—
U.S. agency debentures	—		4,345,232		—		4,345,232
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	—		2,473,576		—		2,473,576
Agency-issued collateralized mortgage obligations -    fixed rate	—		3,325,758		—		3,325,758
Agency-issued collateralized mortgage obligations -    variable rate	—		1,186,573		—		1,186,573
Agency-issued commercial mortgage-backed securities	—		564,604		—		564,604
Municipal bonds and notes	—		86,027		—		86,027
Equity securities	3,732		1,319		—		5,051
Total available-for-sale securities	3,732		11,983,089		—		11,986,821
Non-marketable and other securities (fair value accounting):
Non-marketable securities:
Venture capital and private equity fund investments	—		—		862,972		862,972
Other venture capital investments	—		—		32,839		32,839
Other securities	2,125		—		319,249		321,374
Total non-marketable and other securities (fair value accounting)	2,125		—		1,215,060		1,217,185
Other assets:
Marketable securities	—		—		—		—
Interest rate swaps	—		6,492		—		6,492
Foreign exchange forward and option contracts	—		15,530		—		15,530
Equity warrant assets	—		3,622		99,891		103,513
Loan conversion options	—		314		—		314
Client interest rate derivatives	—		1,265		—		1,265
Total assets (1)	$	5,857	$	12,010,312	$	1,314,951	$	13,331,120
Liabilities
Foreign exchange forward and option contracts	$	—	$	12,617	$	—	$	12,617
Client interest rate derivatives	—		1,396		—		1,396
Total liabilities	$	—	$	14,013	$	—	$	14,013

(1) Included in Level 1 and Level 3 assets are $2 million and $1 billion, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

The following fair value hierarchy table presents information about our assets and liabilities that are measured at fair value on a recurring basis as of December 31, 2012:

(Dollars in thousands)	Level 1		Level 2		Level 3		Balance at December 31, 2012
Assets
Available-for-sale securities:
U.S. treasury securities	$	—	$	25,247	$	—	$	25,247
U.S. agency debentures	—		3,447,628		—		3,447,628
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	—		1,473,433		—		1,473,433
Agency-issued collateralized mortgage obligations -     fixed rate	—		4,103,974		—		4,103,974
Agency-issued collateralized mortgage obligations -     variable rate	—		1,772,748		—		1,772,748
Agency-issued commercial mortgage-backed securities	—		422,098		—		422,098
Municipal bonds and notes	—		93,529		—		93,529
Equity securities	4,520		—		—		4,520
Total available-for-sale securities	4,520		11,338,657		—		11,343,177
Non-marketable and other securities (fair value accounting):
Non-marketable securities:
Venture capital and private equity fund investments	—		—		665,921		665,921
Other venture capital investments	—		—		127,091		127,091
Other securities	—		—		—		—
Total non-marketable and other securities (fair value accounting)	—		—		793,012		793,012
Other assets:
Marketable securities	1,144		9,184		—		10,328
Interest rate swaps	—		9,005		—		9,005
Foreign exchange forward and option contracts	—		13,541		—		13,541
Equity warrant assets	—		8,143		66,129		74,272
Loan conversion options	—		890		—		890
Client interest rate derivatives	—		558		—		558
Total assets (1)	$	5,664	$	11,379,978	$	859,141	$	12,244,783
Liabilities
Foreign exchange forward and option contracts	$	—	$	12,847	$	—	$	12,847
Client interest rate derivatives	—		590		—		590
Total liabilities	$	—	$	13,437	$	—	$	13,437

(1) Included in Level 1, Level 2, and Level 3 assets are $1 million, $9 million and $708 million, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

Additional Information about Level 3 Assets Measured at Fair Value on a Recurring Basis

The following table presents additional information about Level 3 assets measured at fair value on a recurring basis for 2013, 2012 and 2011, respectively:

(Dollars in thousands)	Beginning Balance		Total Realized and Unrealized Gains, net Included in Income		Purchases		Sales			Issuances		Distributions and Other Settlements			Transfers Into Level 3		Transfers Out of Level 3			Ending Balance
Year ended December 31, 2013:
Non-marketable and other securities (fair value accounting):
Venture capital and private equity fund investments	$	665,921	$	169,219	$	146,564	$	—		$	—	$	(118,732	)	$	—	$	—		$	862,972
Other venture capital investments (3)	127,091		5,745		2,712		(1,224		)	—		(97,924		)	—		(3,561		)	32,839
Other securities (fair value accounting) (3)	—		222,368		—		—			—		96,881			—		—			319,249
Total non-marketable and other securities (fair value accounting) (1)	793,012		397,332		149,276		(1,224		)	—		(119,775		)	—		(3,561		)	1,215,060
Other assets:
Equity warrant assets (2)	66,129		22,929		—		(16,680		)	9,098		1,540			24,217		(7,342		)	99,891
Total assets	$	859,141	$	420,261	$	149,276	$	(17,904	)	$	9,098	$	(118,235	)	$	24,217	$	(10,903	)	$	1,314,951
Year ended December 31, 2012:
Non-marketable and other securities (fair value accounting):
Venture capital and private equity fund investments	$	611,824	$	44,283	$	122,238	$	—		$	—	$	(112,424	)	$	—	$	—		$	665,921
Other venture capital investments	124,121		46,711		13,123		(9,716		)	—		(39,558		)	—		(7,590		)	127,091
Other investments	987		21		—		—			—		(1,008		)	—		—			—
Total non-marketable and other securities (fair value accounting) (1)	736,932		91,015		135,361		(9,716		)	—		(152,990		)	—		(7,590		)	793,012
Other assets:
Equity warrant assets (2)	63,030		13,697		—		(21,077		)	11,978		(78		)	—		(1,421		)	66,129
Total assets	$	799,962	$	104,712	$	135,361	$	(30,793	)	$	11,978	$	(153,068	)	$	—	$	(9,011	)	$	859,141
Year ended December 31, 2011:
Non-marketable and other securities (fair value accounting):
Venture capital and private equity fund investments	$	391,247	$	119,164	$	156,498	$	—		$	—	$	(55,085	)	$	—	$	—		$	611,824
Other venture capital investments	111,843		25,794		13,981		(27,513		)	—		16			—		—			124,121
Other investments	981		24		—		—			—		(18		)	—		—			987
Total non-marketable and other securities (fair value accounting) (1)	504,071		144,982		170,479		(27,513		)	—		(55,087		)	—		—			736,932
Other assets:
Equity warrant assets (2)	43,537		31,958		—		(25,534		)	13,849		(63		)	—		(717		)	63,030
Total assets	$	547,608	$	176,940	$	170,479	$	(53,047	)	$	13,849	$	(55,150	)	$	—	$	(717	)	$	799,962

(1) Realized and unrealized gains (losses) are recorded on the line items “gains on investment securities, net”, and “other noninterest income”, components of noninterest income.

(2) Realized and unrealized gains are recorded on the line item “gains on derivative instruments, net”, a component of noninterest income.

Unrealized Gains Included in Earnings Attributable to Level 3 Assets Held

The following table presents the amount of unrealized gains (losses) included in earnings (which is inclusive of noncontrolling interest) attributable to Level 3 assets still held at December 31, 2013:

	Year ended December 31,
(Dollars in thousands)	2013		2012
Non-marketable and other securities (fair value accounting):
Venture capital and private equity fund investments	$	168,567	$	46,859
Other venture capital investments (1)	6,207		56,233
Other securities (1)	222,368		—
Total non-marketable and other securities (fair value accounting) (2)	397,142		103,092
Other assets:
Equity warrant assets (3)	30,579		21
Total unrealized gains, net	$	427,721	$	103,113
Unrealized gains attributable to noncontrolling interests	$	346,954	$	91,703

(1) Includes total unrealized valuation gains of $219 million attributable to two of our portfolio companies, FireEye and Twitter.

(2) Unrealized gains are recorded on the line items “gains on investment securities, net”, and “other noninterest income”, components of noninterest income.

(3) Unrealized gains are recorded on the line item “gains on derivative instruments, net”, a component of noninterest income.

Quantitative Information About Significant Unobservable Inputs

The following table presents quantitative information about the significant unobservable inputs used for certain of our Level 3 fair value measurements at December 31, 2013. We have not included in this table our venture capital and private equity fund investments (fair value accounting) as we use net asset value per share (as obtained from the general partners of the investments) as a practical expedient to determine fair value.

(Dollars in thousands)	Fair Value		Valuation Technique	Significant Unobservable Inputs	Weighted  Average
December 31, 2013:
Other venture capital investments (fair value accounting)	$	32,839	Private company equity pricing	(1)	(1)
Other securities	319,249		Modified stock price	Sales restrictions discount (2)	12.0	%
Equity warrant assets (public portfolio)	24,217		Modified Black-Scholes option pricing model	Volatility	41.3	%
				Risk-Free interest rate	1.7	%
				Sales restrictions discount (2)	13.7	%
Equity warrant assets (private portfolio)	75,674		Modified Black-Scholes option pricing model	Volatility	40.1	%
				Risk-Free interest rate	0.8	%
				Marketability discount (3)	22.5	%
				Remaining life assumption (4)	45.0	%
December 31, 2012:
Other venture capital investments (fair value accounting)	127,091		Private company equity pricing	(1)	(1)
Equity warrant assets (private portfolio)	66,129		Modified Black-Scholes option pricing model	Volatility	45.2	%
				Risk-Free interest rate	0.4	%
				Marketability discount (3)	22.5	%
				Remaining life assumption (4)	45.0	%

(1) In determining the fair value of our other venture capital investment portfolio, we evaluate a variety of factors related to each underlying private portfolio company including, but not limited to, actual and forecasted results, cash position, recent or planned transactions and market comparable companies. Additionally, we have ongoing communication with the portfolio companies and venture capital fund managers, to determine whether there is a material change in fair value. These factors are specific to each portfolio company and a weighted average or range of values of the unobservable inputs is not meaningful.

(2) We adjust quoted market prices of public companies which are subject to certain sales restrictions. Sales restriction discounts generally range from 10 percent to 20 percent depending on the duration of the sales restrictions which typically range from 3 to 6 months.

(3) Our marketability discount is applied to all private company warrants to account for a general lack of liquidity due to the private nature of the associated underlying company. The quantitative measure used is based on long-run averages and is influenced over time by various factors, including market conditions. On a quarterly basis, a sensitivity analysis is performed on our marketability discount.

(4) We adjust the contractual remaining term of private company warrants based on our best estimate of the actual remaining life, which we determine by utilizing historical data on cancellations and exercises. At December 31, 2013, the weighted average contractual remaining term was 6.3 years, compared to our estimated remaining life of 2.8 years. On a quarterly basis, a sensitivity analysis is performed on our remaining life assumption.

Summary of Estimated Fair Values of Financial Instruments Not Carried at Fair Value

The following fair value hierarchy table presents the estimated fair values of our financial instruments that are not carried at fair value at December 31, 2013 and 2012:

			Estimated Fair Value
(Dollars in thousands)	Carrying Amount		Level 1		Level 2		Level 3
December 31, 2013:
Financial assets:
Cash and cash equivalents	$	1,538,779	$	1,538,779	$	—	$	—
Non-marketable and other securities (cost and equity method accounting)	378,309		—		—		447,783
Net commercial loans	9,796,878		—		—		9,935,917
Net consumer loans	966,622		—		—		1,005,080
FHLB and FRB stock	40,632		—		—		40,632
Accrued interest receivable	67,772		—		67,772		—
Financial liabilities:
Federal funds purchased	—		—		—		—
Other short-term borrowings	5,080		5,080		—		—
Non-maturity deposits (1)	22,259,119		22,259,119		—		—
Time deposits	213,860		—		213,874		—
5.375% Senior Notes	348,209		—		383,782		—
6.05% Subordinated Notes (2)	51,987		—		56,297		—
7.0% Junior Subordinated Debentures	55,020		—		51,915		—
Accrued interest payable	6,858		—		6,858		—
Off-balance sheet financial assets:
Commitments to extend credit	—		—		—		24,285
December 31, 2012:
Financial assets:
Cash and cash equivalents	$	1,008,983	$	1,008,983	$	—	$	—
Non-marketable and other securities (cost and equity method accounting)	391,253		—		—		425,741
Net commercial loans	8,013,563		—		—		8,180,597
Net consumer loans	822,719		—		—		860,772
FHLB and FRB stock	39,806		—		—		39,806
Accrued interest receivable	64,167		—		64,167		—
Financial liabilities:
Federal funds purchased	160,000		160,000		—		—
Other short-term borrowings	6,110		6,110		—		—
Non-maturity deposits (1)	19,021,264		19,021,264		—		—
Time deposits	155,188		—		155,027		—
5.375% Senior Notes	347,995		—		393,701		—
6.05% Subordinated Notes (2)	54,571		—		61,639		—
7.0% Junior Subordinated Debentures	55,196		—		51,959		—
Accrued interest payable	6,494		—		6,494		—
Off-balance sheet financial assets:
Commitments to extend credit	—		—		—		20,562

(1) Includes noninterest-bearing demand deposits, interest-bearing checking accounts, money market accounts and interest-bearing sweep deposits.

(2) At December 31, 2013 and 2012, included in the carrying value and estimated fair value of our 6.05% Subordinated Notes was $6.5 million and $9.0 million, respectively, related to hedge accounting associated with the notes.

Summary of Estimated Fair Values of Investments and Remaining Unfunded Commitments for Each Major Category of Investments

The following table is a summary of the estimated fair values of these investments and remaining unfunded commitments for each major category of these investments as of December 31, 2013:

(Dollars in thousands)	Carrying Amount		Fair Value		Unfunded Commitments
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments (1)	$	862,972	$	862,972	$	428,139
Non-marketable securities (equity method accounting):
Other investments (2)	53,019		54,544		15,436
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments (3)	148,994		214,554		35,345
Total	$	1,064,985	$	1,132,070	$	478,920

(1) Venture capital and private equity fund investments within non-marketable and other securities (fair value accounting) include investments made by our managed funds of funds and one of our direct venture funds. These investments represent investments in venture capital and private equity funds that invest primarily in U.S. and global technology and life sciences companies. Included in the fair value and unfunded commitments of fund investments under fair value accounting are $786 million and $422 million, respectively, attributable to noncontrolling interests. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds and any potential extensions of terms of the funds.

(2) Other investments within non-marketable securities (equity method accounting) include investments in debt funds and venture capital and private equity fund investments that invest in or lend money to primarily U.S. and global technology and life sciences companies. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds.

(3) Venture capital and private equity fund investments within non-marketable securities (cost method accounting) include investments in venture capital and private equity fund investments that invest primarily in U.S. and global technology and life sciences companies. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds and any potential extensions of the terms of the funds.

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Off-Balance Sheet Arrangements, Guarantees and Other Commitments Summary of Commercial and Standby Letters of Credit (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Guarantor Obligations [Line Items]
Expires In One Year or Less	$ 911,816
Expires After One Year	64,152
Total Amount Outstanding	975,968	[1]	842,091	[1]
Maximum Amount of Future Payments	975,968
Financial standby letters of credit
Guarantor Obligations [Line Items]
Expires In One Year or Less	845,120
Expires After One Year	52,962
Total Amount Outstanding	898,082
Maximum Amount of Future Payments	898,082
Performance standby letters of credit
Guarantor Obligations [Line Items]
Expires In One Year or Less	58,938
Expires After One Year	11,190
Total Amount Outstanding	70,128
Maximum Amount of Future Payments	70,128
Commercial letters of credit
Guarantor Obligations [Line Items]
Expires In One Year or Less	7,758
Expires After One Year	0
Total Amount Outstanding	7,758
Maximum Amount of Future Payments	$ 7,758

[1] See below for additional information on our commercial and standby letters of credit.

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Share-Based Compensation Summary of Information Regarding Stock Option and Restricted Stock Activity (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total intrinsic value of stock options exercised	$ 25,520	$ 17,419	$ 20,772
Total grant date fair value of stock options vested	18,168	17,169	14,771
Restricted stock unit
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total intrinsic value of restricted stock vested	14,176	12,747	9,142
Total grant date fair value of restricted stock vested	$ 10,940	$ 10,176	$ 7,240

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Total Capital Commitments, Unfunded Capital Commitments, and Our Ownership in Each Fund (Parenthetical) (Detail)	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012
SVB Capital Partners II, LP | Fair value accounting | Venture capital and private equity fund investments
Venture Capital and Private Equity Fund Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	5.10%	[1]	5.10%
SVB Capital Partners II, LP | Fair value accounting | Direct ownership interest | Venture capital and private equity fund investments
Venture Capital and Private Equity Fund Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	1.30%
SVB Capital Partners II, LP | Fair value accounting | Indirect ownership interest | Venture capital and private equity fund investments
Venture Capital and Private Equity Fund Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	3.80%
Other private equity fund | Fair value accounting | Venture capital and private equity fund investments
Venture Capital and Private Equity Fund Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	58.20%	[2]	58.20%
Other private equity fund | Fair value accounting | Direct ownership interest | Venture capital and private equity fund investments
Venture Capital and Private Equity Fund Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	41.50%
Gold Hill Venture Lending 03, LP | Equity method accounting | Other investments
Venture Capital and Private Equity Fund Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	9.30%	[3]	9.30%
Gold Hill Venture Lending 03, LP | Equity method accounting | Direct ownership interest | Other investments
Venture Capital and Private Equity Fund Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	4.80%
Gold Hill Venture Lending 03, LP | Equity method accounting | Indirect ownership interest | Other investments
Venture Capital and Private Equity Fund Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	4.50%
Other Fund Investments | Venture capital and private equity fund investments
Venture Capital and Private Equity Fund Investments [Line Items]
Number of other funds with investment commitments	293
Upper Limit | Other Fund Investments | Venture capital and private equity fund investments
Venture Capital and Private Equity Fund Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	5.00%
SVB Capital-NT Growth Partners, LP | Other private equity fund | Fair value accounting | Indirect ownership interest | Venture capital and private equity fund investments
Venture Capital and Private Equity Fund Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	12.60%
SVB Capital Preferred Return Fund, LP | Other private equity fund | Fair value accounting | Indirect ownership interest | Venture capital and private equity fund investments
Venture Capital and Private Equity Fund Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	4.10%

[1] At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership interest of SVB Strategic Investors Fund II, LP.

[2] At December 31, 2013, we had a direct ownership interest of 41.5 percent and indirect ownership interests of 12.6 percent and 4.1 percent in the fund through our ownership interest of SVB Capital—NT Growth Partners, LP and SVB Capital Preferred Return Fund, LP, respectively

[3] At December 31, 2013, we had a direct ownership interest of 4.8 percent in the fund and an indirect interest in the fund through our investment in Gold Hill Venture Lending Partners 03, LLC (“GHLLC”) of 4.5 percent.

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Summary of Significant Accounting Policies Summary of Ownership Interests in Investments Held Under Fair Value Accounting (Detail) (Fair value accounting)	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012
Venture capital and private equity fund investments | SVB Strategic Investors Fund, LP
Schedule of Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	12.60%		12.60%
Venture capital and private equity fund investments | SVB Strategic Investors Fund II, LP
Schedule of Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	8.60%		8.60%
Venture capital and private equity fund investments | SVB Strategic Investors Fund III, LP
Schedule of Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	5.90%		5.90%
Venture capital and private equity fund investments | SVB Strategic Investors Fund IV, LP
Schedule of Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	5.00%		5.00%
Venture capital and private equity fund investments | Strategic Investors Fund VI Funds
Schedule of Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	0.20%		0.00%
Venture capital and private equity fund investments | SVB Capital Preferred Return Fund, LP
Schedule of Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	20.00%		20.00%
Venture capital and private equity fund investments | SVB Capital-NT Growth Partners, LP
Schedule of Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	33.00%		33.00%
Venture capital and private equity fund investments | Other private equity fund
Schedule of Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	58.20%	[1]	58.20%
Venture capital and private equity fund investments | SVB Capital Partners II, LP
Schedule of Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	5.10%	[2]	5.10%
Other venture capital investments | Silicon Valley BancVentures, LP
Schedule of Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	10.70%		10.70%
Other venture capital investments | SVB Capital Partners II, LP
Schedule of Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	5.10%	[3]	5.10%
Other venture capital investments | SVB Capital Shanghai Yangpu Venture Capital Fund
Schedule of Investments [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	6.80%		6.80%

[1] At December 31, 2013, we had a direct ownership interest of 41.5 percent and indirect ownership interests of 12.6 percent and 4.1 percent in the fund through our ownership interest of SVB Capital—NT Growth Partners, LP and SVB Capital Preferred Return Fund, LP, respectively

[2] At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership interest of SVB Strategic Investors Fund II, LP.

[3] At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership of SVB Strategic Investors Fund II, LP.

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Investment Securities Summary of Unrealized Losses on Available for Sale Securities (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Investments, Unrealized Loss Position [Line Items]
Less than 12 months - Fair Value of Investments	$ 6,886,836	[1]	$ 637,004
Less than 12 months - Unrealized Losses	(152,383)	[1]	(1,663)
12 months or longer - Fair Value of Investments	154,250	[1]	8,163
12 months or longer - Unrealized Losses	(8,015)	[1]	(270)
Fair Value of Investments	7,041,086	[1]	645,167
Unrealized Losses	(160,398)	[1]	(1,933)
U.S. agency debentures
Investments, Unrealized Loss Position [Line Items]
Less than 12 months - Fair Value of Investments	1,821,045
Less than 12 months - Unrealized Losses	(40,785)
12 months or longer - Fair Value of Investments	0
12 months or longer - Unrealized Losses	0
Fair Value of Investments	1,821,045
Unrealized Losses	(40,785)
Residential mortgage-backed securities | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Investments, Unrealized Loss Position [Line Items]
Less than 12 months - Fair Value of Investments	1,480,870		22,831
Less than 12 months - Unrealized Losses	(14,029)		(107)
12 months or longer - Fair Value of Investments	19,830		0
12 months or longer - Unrealized Losses	(2,112)		0
Fair Value of Investments	1,500,700		22,831
Unrealized Losses	(16,141)		(107)
Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Fixed rate
Investments, Unrealized Loss Position [Line Items]
Less than 12 months - Fair Value of Investments	2,098,137		461,397
Less than 12 months - Unrealized Losses	(79,519)		(995)
12 months or longer - Fair Value of Investments	134,420		0
12 months or longer - Unrealized Losses	(5,903)		0
Fair Value of Investments	2,232,557		461,397
Unrealized Losses	(85,422)		(995)
Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Variable rate
Investments, Unrealized Loss Position [Line Items]
Less than 12 months - Fair Value of Investments	109,699		0
Less than 12 months - Unrealized Losses	(123)		0
12 months or longer - Fair Value of Investments	0		7,908
12 months or longer - Unrealized Losses	0		(4)
Fair Value of Investments	109,699		7,908
Unrealized Losses	(123)		(4)
Agency-issued commercial mortgage-backed securities
Investments, Unrealized Loss Position [Line Items]
Less than 12 months - Fair Value of Investments	464,171		150,581
Less than 12 months - Unrealized Losses	(17,423)		(489)
12 months or longer - Fair Value of Investments	0		0
12 months or longer - Unrealized Losses	0		0
Fair Value of Investments	464,171		150,581
Unrealized Losses	(17,423)		(489)
Municipal bonds and notes
Investments, Unrealized Loss Position [Line Items]
Less than 12 months - Fair Value of Investments	3,404		2,098
Less than 12 months - Unrealized Losses	(21)		(11)
12 months or longer - Fair Value of Investments	0		0
12 months or longer - Unrealized Losses	0		0
Fair Value of Investments	3,404		2,098
Unrealized Losses	(21)		(11)
Equity securities
Investments, Unrealized Loss Position [Line Items]
Less than 12 months - Fair Value of Investments	909,510		97
Less than 12 months - Unrealized Losses	(483)		(61)
12 months or longer - Fair Value of Investments	0		255
12 months or longer - Unrealized Losses	0		(266)
Fair Value of Investments	909,510		352
Unrealized Losses	$ (483)		$ (327)

[1] As of December 31, 2013, we identified a total of 220 investments that were in unrealized loss positions, of which eight investments totaling $154 million with unrealized losses of $8 million have been in an impaired position for a period of time greater than 12 months. As of December 31, 2013, we do not intend to sell any impaired debt or equity securities prior to recovery of our adjusted cost basis, and it is more likely than not that we will not be required to sell any of our securities prior to recovery of our adjusted cost basis. Based on our analysis as of December 31, 2013, we deem all impairments to be temporary, and therefore changes in value for our temporarily impaired securities as of the same date are included in other comprehensive income. Market valuations and impairment analyses on assets in the available-for-sale securities portfolio are reviewed and monitored on a quarterly basis.

XML

Derivative Financial Instruments - Additional Information (Detail)	12 Months Ended	3 Months Ended	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2013 Foreign Exchange Forward And Option Contracts General maturity Upper Limit	Dec. 31, 2013 Foreign Exchange Forward And Option Contracts Extended maturity Upper Limit
Derivative Instruments and Hedging Activities Disclosure [Line Items]
Managing interest rate risk for senior notes and subordinated notes	To manage interest rate risk for our 6.05% Subordinated Notes, we entered into a fixed-for-floating interest rate swap agreement at the time of debt issuance based upon LIBOR with matched-terms.
Contract term		1 year	5 years

XML

Employee Compensation and Benefit Plans (Tables)

12 Months Ended

Dec. 31, 2013

Compensation and Retirement Disclosure [Abstract]

Expenses Incurred under Certain Employee Compensation and Benefit Plans

A summary of expenses incurred under certain employee compensation and benefit plans for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Incentive Compensation Plans	$	70,164	$	48,344	$	67,008
Direct Drive Incentive Compensation Plan	22,941		24,556		17,745
Retention Program	2,577		2,076		2,430
Warrant Incentive Plan	5,818		2,523		2,473
SVBFG 401(k) Plan	11,277		9,947		8,164
SVBFG ESOP	7,429		10,324		8,652

XML

Summary of Significant Accounting Policies (Tables)

12 Months Ended

Dec. 31, 2013

Accounting Policies [Abstract]

Summary of Ownership Interests in Investments Held Under Fair Value Accounting

A summary of our ownership interests in the investments held under fair value accounting as of December 31, 2013 is presented in the following table:

Limited partnership	Company Direct and Indirect Ownership in Limited Partnership
Managed funds of funds
SVB Strategic Investors Fund, LP	12.6	%
SVB Strategic Investors Fund II, LP	8.6
SVB Strategic Investors Fund III, LP	5.9
SVB Strategic Investors Fund IV, LP	5.0
Strategic Investors Fund V Funds	Various
Strategic Investors Fund VI Funds	0.2
SVB Capital Preferred Return Fund, LP	20.0
SVB Capital—NT Growth Partners, LP	33.0
Other private equity fund	58.2
Managed direct venture funds
Silicon Valley BancVentures, LP	10.7
SVB Capital Partners II, LP	5.1
SVB Capital Shanghai Yangpu Venture Capital Fund	6.8

Maximum Estimated Useful Lives by Asset Classification

The maximum estimated useful lives by asset classification are as follows:

Leasehold improvements	Lesser of lease term or asset life
Furniture and equipment	3 years
Computer software	3-7 years
Computer hardware	3-5 years

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Investment Securities Summary of Unrealized Losses on Available for Sale Securities (Parenthetical) (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013 Investment		Dec. 31, 2012
Investments, Unrealized Loss Position [Line Items]
Number of investments in unrealized loss positions	220
Number of investment with unrealized losses	8
Investments that were in unrealized loss position	$ 154,250	[1]	$ 8,163
Unrealized Losses on Investments	$ 8,015

[1] As of December 31, 2013, we identified a total of 220 investments that were in unrealized loss positions, of which eight investments totaling $154 million with unrealized losses of $8 million have been in an impaired position for a period of time greater than 12 months. As of December 31, 2013, we do not intend to sell any impaired debt or equity securities prior to recovery of our adjusted cost basis, and it is more likely than not that we will not be required to sell any of our securities prior to recovery of our adjusted cost basis. Based on our analysis as of December 31, 2013, we deem all impairments to be temporary, and therefore changes in value for our temporarily impaired securities as of the same date are included in other comprehensive income. Market valuations and impairment analyses on assets in the available-for-sale securities portfolio are reviewed and monitored on a quarterly basis.

XML

Employee Compensation and Benefit Plans - Additional Information (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Defined Contribution Plan Description of 401 K Plan
Employee Benefits Disclosure [Line Items]
Maximum percentage of pre-tax income employees are allowed to contribute towards 401(k) plan	75.00%	75.00%	75.00%
Maximum amount of pre-tax income employees are allowed to contribute towards 401(k) plan	$ 17,500	$ 17,000	$ 16,500
Maximum percentage of employer matching contributions towards 401(k) plan	5.00%	5.00%	5.00%
Employee Stock Ownership Plan (ESOP), Plan
Employee Benefits Disclosure [Line Items]
Maximum percentage of employee's eligible pay earned in the fiscal year contributed by the company in cash or common stock towards ESOP	10.00%
ESOP contributions vesting period	5 years
Employee Home Ownership Plan
Employee Benefits Disclosure [Line Items]
Fixed-rate mortgage loan term, minimum	5 years
Fixed-rate mortgage loan term, maximum	7 years
Amortization period	30 years
Maximum loan amount percentage lesser of purchase price or the appraised value	80.00%
Mortgage loans rate	2.00%
Variable rate	0.25%
Variable rate description	The loan rate shall not be less than the greater of either the jumbo conforming market rate (corresponding to the maturity of the loan) or the monthly Applicable Federal Rate for medium-term loans as published by the Internal Revenue Service. The loan rate will be fixed at the time of approval and locked in for 30 days.
Employee Home Ownership Plan | Five year loan
Employee Benefits Disclosure [Line Items]
Note period		5 years
Employee Home Ownership Plan | Seven year loan | Lower Limit
Employee Benefits Disclosure [Line Items]
Note period		5 years
Employee Home Ownership Plan | Seven year loan | Upper Limit
Employee Benefits Disclosure [Line Items]
Note period		10 years
Deferred Compensation Plan
Employee Benefits Disclosure [Line Items]
Maximum percentage of base salary that may be deferred under the DC Plan	50.00%
Maximum percentage of eligible bonus payment that may be deferred under the DC Plan	100.00%
Maximum deferral term under the DC Plan	12 months
Deferrals under the DC Plan	3,600,000	3,200,000	1,300,000
Deferred Compensation Arrangement With Individual Employee Mandatory Retention Incentive Deferrals	12,500,000
DC Plan investment gains	$ 1,800,000	$ 700,000	$ (100,000)

XML

Fair Value of Financial Instruments Assets and Liabilities Measured at Fair Value on a Recurring Basis (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	$ 11,986,821		$ 11,343,177
Derivatives designated as hedging instruments | Interest rate risks | Interest rate swaps | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	6,492		9,005
Derivatives not designated as hedging instruments | Other derivative instruments | Equity Warrant Asset, Public Portfolio | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	103,513		74,272
Fair value accounting | Venture capital and private equity fund investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	862,972	[1]	665,921	[1]
Fair value accounting | Other venture capital investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	32,839	[2]	127,091	[2]
Fair value accounting | Other Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	321,374	[3]	0	[3]
U.S. treasury securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		25,247
U.S. agency debentures
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	4,345,232		3,447,628
Residential mortgage-backed securities | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	2,473,576		1,473,433
Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Fixed rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	3,325,758		4,103,974
Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Variable rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	1,186,573		1,772,748
Agency-issued commercial mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	564,604		422,098
Municipal bonds and notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	86,027		93,529
Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	5,051		4,520
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	11,986,821		11,343,177
Other assets - marketable securities	0		10,328
Total assets	13,331,120	[4]	12,244,783	[5]
Total liabilities	14,013		13,437
Fair Value, Measurements, Recurring | Derivatives designated as hedging instruments | Interest rate risks | Interest rate swaps | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	6,492		9,005
Fair Value, Measurements, Recurring | Derivatives not designated as hedging instruments | Currency exchange risks | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	15,530		13,541
Fair Value, Measurements, Recurring | Derivatives not designated as hedging instruments | Currency exchange risks | Other liability
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	12,617		12,847
Fair Value, Measurements, Recurring | Derivatives not designated as hedging instruments | Other derivative instruments | Equity Warrant Asset, Public Portfolio | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	103,513		74,272
Fair Value, Measurements, Recurring | Derivatives not designated as hedging instruments | Other derivative instruments | Loan conversion options | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	314		890
Fair Value, Measurements, Recurring | Derivatives not designated as hedging instruments | Other derivative instruments | Client interest rate derivatives | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	1,265		558
Fair Value, Measurements, Recurring | Derivatives not designated as hedging instruments | Other derivative instruments | Client interest rate derivatives | Other liability
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	1,396		590
Fair Value, Measurements, Recurring | Fair value accounting
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	1,217,185		793,012
Fair Value, Measurements, Recurring | Fair value accounting | Venture capital and private equity fund investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	862,972		665,921
Fair Value, Measurements, Recurring | Fair value accounting | Other venture capital investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	32,839		127,091
Fair Value, Measurements, Recurring | Fair value accounting | Other Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	321,374		0
Fair Value, Measurements, Recurring | U.S. treasury securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		25,247
Fair Value, Measurements, Recurring | U.S. agency debentures
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	4,345,232		3,447,628
Fair Value, Measurements, Recurring | Residential mortgage-backed securities | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	2,473,576		1,473,433
Fair Value, Measurements, Recurring | Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Fixed rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	3,325,758		4,103,974
Fair Value, Measurements, Recurring | Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Variable rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	1,186,573		1,772,748
Fair Value, Measurements, Recurring | Agency-issued commercial mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	564,604		422,098
Fair Value, Measurements, Recurring | Municipal bonds and notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	86,027		93,529
Fair Value, Measurements, Recurring | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	5,051		4,520
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	3,732		4,520
Other assets - marketable securities	0		1,144
Total assets	5,857	[4]	5,664	[5]
Total liabilities	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Derivatives designated as hedging instruments | Interest rate risks | Interest rate swaps | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Derivatives not designated as hedging instruments | Currency exchange risks | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Derivatives not designated as hedging instruments | Currency exchange risks | Other liability
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Derivatives not designated as hedging instruments | Other derivative instruments | Equity Warrant Asset, Public Portfolio | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Derivatives not designated as hedging instruments | Other derivative instruments | Loan conversion options | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Derivatives not designated as hedging instruments | Other derivative instruments | Client interest rate derivatives | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Derivatives not designated as hedging instruments | Other derivative instruments | Client interest rate derivatives | Other liability
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair value accounting
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	2,125		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair value accounting | Venture capital and private equity fund investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair value accounting | Other venture capital investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair value accounting | Other Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	2,125		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. treasury securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. agency debentures
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Residential mortgage-backed securities | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Fixed rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Variable rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Agency-issued commercial mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Municipal bonds and notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	3,732		4,520
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	11,983,089		11,338,657
Other assets - marketable securities	0		9,184
Total assets	12,010,312	[4]	11,379,978	[5]
Total liabilities	14,013		13,437
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Derivatives designated as hedging instruments | Interest rate risks | Interest rate swaps | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	6,492		9,005
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Derivatives not designated as hedging instruments | Currency exchange risks | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	15,530		13,541
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Derivatives not designated as hedging instruments | Currency exchange risks | Other liability
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	12,617		12,847
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Derivatives not designated as hedging instruments | Other derivative instruments | Equity Warrant Asset, Public Portfolio | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	3,622		8,143
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Derivatives not designated as hedging instruments | Other derivative instruments | Loan conversion options | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	314		890
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Derivatives not designated as hedging instruments | Other derivative instruments | Client interest rate derivatives | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	1,265		558
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Derivatives not designated as hedging instruments | Other derivative instruments | Client interest rate derivatives | Other liability
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	1,396		590
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Fair value accounting
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	0		0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Fair value accounting | Venture capital and private equity fund investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	0		0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Fair value accounting | Other venture capital investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	0		0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Fair value accounting | Other Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	0		0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | U.S. treasury securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		25,247
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | U.S. agency debentures
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	4,345,232		3,447,628
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Residential mortgage-backed securities | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	2,473,576		1,473,433
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Fixed rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	3,325,758		4,103,974
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Variable rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	1,186,573		1,772,748
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Agency-issued commercial mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	564,604		422,098
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Municipal bonds and notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	86,027		93,529
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	1,319		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Other assets - marketable securities	0		0
Total assets	1,314,951	[4]	859,141	[5]
Total liabilities	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Derivatives designated as hedging instruments | Interest rate risks | Interest rate swaps | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Derivatives not designated as hedging instruments | Currency exchange risks | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Derivatives not designated as hedging instruments | Currency exchange risks | Other liability
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Derivatives not designated as hedging instruments | Other derivative instruments | Equity Warrant Asset, Public Portfolio | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	99,891		66,129
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Derivatives not designated as hedging instruments | Other derivative instruments | Loan conversion options | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Derivatives not designated as hedging instruments | Other derivative instruments | Client interest rate derivatives | Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Derivatives not designated as hedging instruments | Other derivative instruments | Client interest rate derivatives | Other liability
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Fair value accounting
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	1,215,060		793,012
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Fair value accounting | Venture capital and private equity fund investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	862,972		665,921
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Fair value accounting | Other venture capital investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	32,839		127,091
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Fair value accounting | Other Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-marketable securities	319,249		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | U.S. treasury securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | U.S. agency debentures
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Residential mortgage-backed securities | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Fixed rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Variable rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Agency-issued commercial mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Municipal bonds and notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0		0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	$ 0		$ 0

[1] The following table shows the amounts of venture capital and private equity fund investments held by the following consolidated funds and our ownership percentage of each fund at December 31, 2013 and December 31, 2012 (fair value accounting): December 31, 2013 December 31, 2012(Dollars in thousands) Amount Ownership % Amount Ownership %SVB Strategic Investors Fund, LP $29,104 12.6% $32,850 12.6%SVB Strategic Investors Fund II, LP 96,185 8.6 91,294 8.6SVB Strategic Investors Fund III, LP 260,272 5.9 209,696 5.9SVB Strategic Investors Fund IV, LP 226,729 5.0 169,931 5.0Strategic Investors Fund V Funds 118,181 Various 40,622 VariousStrategic Investors Fund VI Funds 7,944 0.2 — —SVB Capital Preferred Return Fund, LP 59,028 20.0 53,643 20.0SVB Capital—NT Growth Partners, LP 61,126 33.0 60,120 33.0SVB Capital Partners II, LP (i) 708 5.1 1,303 5.1Other private equity fund (ii) 3,695 58.2 6,462 58.2Total venture capital and private equity fund investments $862,972 $665,921 (i)At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership interest of SVB Strategic Investors Fund II, LP.(ii)At December 31, 2013, we had a direct ownership interest of 41.5 percent and indirect ownership interests of 12.6 percent and 4.1 percent in the fund through our ownership interest of SVB Capital—NT Growth Partners, LP and SVB Capital Preferred Return Fund, LP, respectively.

[2] The following table shows the amounts of other venture capital investments held by the following consolidated funds and our ownership percentage of each fund at December 31, 2013 and December 31, 2012 (fair value accounting): December 31, 2013 December 31, 2012(Dollars in thousands) Amount Ownership % Amount Ownership %Silicon Valley BancVentures, LP $6,564 10.7% $43,493 10.7%SVB Capital Partners II, LP (i) 22,684 5.1 79,761 5.1SVB Capital Shanghai Yangpu Venture Capital Fund 3,591 6.8 3,837 6.8Total other venture capital investments $32,839 $127,091 (i)At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership of SVB Strategic Investors Fund II, LP.

[3] Investments classified as other securities (fair value accounting) represent direct equity investments in public companies held by our consolidated funds. This amount primarily includes total unrealized gains of $294 million in two of our public portfolio companies, FireEye and Twitter, both of which are currently subject to lock-up agreements. The extent to which any unrealized gains will become realized is subject to a variety of factors, including, among other things, the expiration of certain sales restrictions to which these securities are subject, the actual sales of securities and the timing of such actual sales.

[4] Included in Level 1 and Level 3 assets are $2 million and $1 billion, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

[5] Included in Level 1, Level 2, and Level 3 assets are $1 million, $9 million and $708 million, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

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Fair Value of Financial Instruments - Additional Information (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011
Debt Disclosure [Line Items]
Fair Value Measurements, Recurring Basis, Transfers From Level 2 To Level 1	$ 0		$ 3,127		$ 3,900
6.05% Subordinated Notes
Debt Disclosure [Line Items]
Stated interest rate	6.05%		6.05%
5.70% Senior Notes
Debt Disclosure [Line Items]
Stated interest rate					5.70%
5.375% Senior Notes
Debt Disclosure [Line Items]
Stated interest rate	5.375%		5.375%
7.0% Junior Subordinated Debentures
Debt Disclosure [Line Items]
Stated interest rate	7.00%		7.00%
Other venture capital investments | Fair value accounting | Non-marketable securities
Debt Disclosure [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3	(3,561)		(7,590)
Fair Value, Measurements, Recurring
Debt Disclosure [Line Items]
Transfers Into Level 3	24,217		0		0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3	(10,903)		(9,011)		(717)
Fair Value, Measurements, Recurring | Fair value accounting | Non-marketable securities
Debt Disclosure [Line Items]
Transfers Into Level 3	0	[1]	0	[1]	0	[1]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3	(3,561)	[1]	(7,590)	[1]	0	[1]
Fair Value, Measurements, Recurring | Other venture capital investments | Fair value accounting | Non-marketable securities
Debt Disclosure [Line Items]
Transfers Into Level 3	0	[2]	0		0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3	$ (3,561)	[2]	$ (7,590)		$ 0

[1] Realized and unrealized gains (losses) are recorded on the line items “gains on investment securities, net”, and “other noninterest income”, components of noninterest income.

[2] Includes total unrealized valuation gains of $219 million attributable to two of our portfolio companies, FireEye and Twitter.

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Cash and Cash Equivalents (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011	Dec. 31, 2010
Cash and Cash Equivalents [Abstract]
Cash and due from banks	$ 1,349,688	[1]	$ 752,056	[1]
Securities purchased under agreements to resell	172,989	[2]	133,357	[2]
Other short-term investment securities	16,102		123,570
Total cash and cash equivalents	$ 1,538,779		$ 1,008,983		$ 1,114,948	$ 3,076,432

[1] At December 31, 2013 and 2012, $715 million and $72 million, respectively, of our cash and due from banks was deposited at the FRB and was earning interest at the Federal Funds target rate, and interest-earning deposits in other financial institutions were $300 million and $283 million, respectively.

[2] At December 31, 2013 and 2012, securities purchased under agreements to resell were collateralized by U.S. Treasury securities and U.S. agency securities with aggregate fair values of $176 million and $136 million, respectively. None of these securities received as collateral were sold or repledged as of December 31, 2013 and 2012.

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Loans and Allowance for Loan Losses Average Impaired Loans, Broken out by Portfolio Segment and Class of Financing Receivable (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Financing Receivable, Impaired [Line Items]
Average impaired loans	$ 40,846	$ 35,814	$ 37,229
Software
Financing Receivable, Impaired [Line Items]
Average impaired loans	6,254	2,223	2,575
Hardware
Financing Receivable, Impaired [Line Items]
Average impaired loans	24,508	19,242	5,854
Venture capital/private equity
Financing Receivable, Impaired [Line Items]
Average impaired loans	37	0	0
Life science
Financing Receivable, Impaired [Line Items]
Average impaired loans	334	345	1,228
Premium wine
Financing Receivable, Impaired [Line Items]
Average impaired loans	2,210	3,513	2,566
Commercial, Other
Financing Receivable, Impaired [Line Items]
Average impaired loans	3,601	3,558	4,751
Commercial loans
Financing Receivable, Impaired [Line Items]
Average impaired loans	36,944	28,881	16,974
Real estate secured loans
Financing Receivable, Impaired [Line Items]
Average impaired loans	2,957	5,037	19,179
Consumer, Other
Financing Receivable, Impaired [Line Items]
Average impaired loans	945	1,896	1,076
Consumer loans
Financing Receivable, Impaired [Line Items]
Average impaired loans	$ 3,902	$ 6,933	$ 20,255

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Summary of Significant Accounting Policies Maximum Estimated Useful Lives by Asset Classification (Detail)	12 Months Ended
	Dec. 31, 2013
Leasehold Improvements
Property Plant and Equipment Estimated Useful Lives [Line Items]
Premises and equipment, description of estimated useful life	Lesser of lease term or asset life
Furniture and equipment
Property Plant and Equipment Estimated Useful Lives [Line Items]
Premises and equipment, description of estimated useful life	3 years
Furniture and equipment | Upper Limit
Property Plant and Equipment Estimated Useful Lives [Line Items]
Premises and equipment, estimated useful life	3 years
Software
Property Plant and Equipment Estimated Useful Lives [Line Items]
Premises and equipment, description of estimated useful life	3-7 years
Software | Lower Limit
Property Plant and Equipment Estimated Useful Lives [Line Items]
Premises and equipment, estimated useful life	3 years
Software | Upper Limit
Property Plant and Equipment Estimated Useful Lives [Line Items]
Premises and equipment, estimated useful life	7 years
Computer hardware
Property Plant and Equipment Estimated Useful Lives [Line Items]
Premises and equipment, description of estimated useful life	3-5 years
Computer hardware | Lower Limit
Property Plant and Equipment Estimated Useful Lives [Line Items]
Premises and equipment, estimated useful life	3 years
Computer hardware | Upper Limit
Property Plant and Equipment Estimated Useful Lives [Line Items]
Premises and equipment, estimated useful life	5 years

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Other Noninterest Income and Other Noninterest Expense Summary of Other Noninterest Income (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011
Other Income and Expenses [Abstract]
Fund management fees	$ 11,163		$ 11,057		$ 10,730
Service-based fee income	7,807		7,937		9,717
Gains (losses) on revaluation of foreign currency instruments	3,016	[1]	1,677	[1]	(2,096)	[1]
Currency revaluation losses	93	[2]	(16)	[2]	(4,275)	[2]
Net gains on the sale of certain assets related to our equity management services business	0		4,243		0
Other	14,060	[3]	11,465	[3]	7,154	[3]
Total other noninterest income	36,139		36,363		21,230
Foreign currency gains (losses) attributable to noncontrolling interests	$ 87		$ 27		$ 2,900

[1] Represents the revaluation of foreign currency denominated financial instruments issued and held by us, primarily loans, deposits and cash.

[2] Includes the revaluation of foreign currency denominated financial statements of certain funds. Included in these amounts are gains of $87 thousand, gains of $27 thousand and losses of $2.9 million in 2013, 2012 and 2011, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

[3] Includes dividends on FHLB/FRB stock, correspondent bank rebate income and other fee income.

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Fair Value of Financial Instruments Summary of Estimated Fair Values of Financial Instruments not Carried at Fair Value (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Short-term borrowings	$ 5,080		$ 166,110
Time Deposits	213,860		155,188
Federal Funds Purchased
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Short-term borrowings	0		160,000
Other short-term borrowings
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Short-term borrowings	5,080	[1]	6,110	[1]
5.375% Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Senior Notes	348,209		347,995
6.05% Subordinated Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Subordinated Notes	51,987	[2]	54,571	[2]
7.0% Junior Subordinated Debentures
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Junior Subordinated Debentures	55,020		55,196
Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	1,538,779		1,008,983
Non-marketable securities (cost and equity method accounting)	378,309		391,253
Net commercial loans	9,796,878		8,013,563
Net consumer loans	966,622		822,719
FHLB and FRB stock	40,632		39,806
Accrued interest receivable	67,772		64,167
Deposits	22,259,119	[3]	19,021,264	[3]
Time Deposits	213,860		155,188
Accrued interest payable	6,858		6,494
Commitments to extend credit	0		0
Carrying Amount | Federal Funds Purchased
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Short-term borrowings	0		160,000
Carrying Amount | Other short-term borrowings
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Short-term borrowings	5,080		6,110
Carrying Amount | 5.375% Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Senior Notes	348,209		347,995
Carrying Amount | 6.05% Subordinated Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Subordinated Notes	51,987	[4]	54,571	[4]
Carrying Amount | 7.0% Junior Subordinated Debentures
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Junior Subordinated Debentures	55,020		55,196
Estimated Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	1,538,779		1,008,983
Non-marketable securities (cost and equity method accounting)	0		0
Net commercial loans	0		0
Net consumer loans	0		0
FHLB and FRB stock	0		0
Accrued interest receivable	0		0
Deposits	22,259,119	[3]	19,021,264	[3]
Time Deposits	0		0
Accrued interest payable	0		0
Commitments to extend credit	0		0
Estimated Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1) | Federal Funds Purchased
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Short-term borrowings	0		160,000
Estimated Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1) | Other short-term borrowings
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Short-term borrowings	5,080		6,110
Estimated Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1) | 5.375% Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Senior Notes	0		0
Estimated Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1) | 6.05% Subordinated Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Subordinated Notes	0	[4]	0	[4]
Estimated Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1) | 7.0% Junior Subordinated Debentures
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Junior Subordinated Debentures	0		0
Estimated Fair Value | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0		0
Non-marketable securities (cost and equity method accounting)	0		0
Net commercial loans	0		0
Net consumer loans	0		0
FHLB and FRB stock	0		0
Accrued interest receivable	67,772		64,167
Deposits	0	[3]	0	[3]
Time Deposits	213,874		155,027
Accrued interest payable	6,858		6,494
Commitments to extend credit	0		0
Estimated Fair Value | Significant Other Observable Inputs (Level 2) | Federal Funds Purchased
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Short-term borrowings	0		0
Estimated Fair Value | Significant Other Observable Inputs (Level 2) | Other short-term borrowings
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Short-term borrowings	0		0
Estimated Fair Value | Significant Other Observable Inputs (Level 2) | 5.375% Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Senior Notes	383,782		393,701
Estimated Fair Value | Significant Other Observable Inputs (Level 2) | 6.05% Subordinated Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Subordinated Notes	56,297	[4]	61,639	[4]
Estimated Fair Value | Significant Other Observable Inputs (Level 2) | 7.0% Junior Subordinated Debentures
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Junior Subordinated Debentures	51,915		51,959
Estimated Fair Value | Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0		0
Non-marketable securities (cost and equity method accounting)	447,783		425,741
Net commercial loans	9,935,917		8,180,597
Net consumer loans	1,005,080		860,772
FHLB and FRB stock	40,632		39,806
Accrued interest receivable	0		0
Deposits	0	[3]	0	[3]
Time Deposits	0		0
Accrued interest payable	0		0
Commitments to extend credit	24,285		20,562
Estimated Fair Value | Significant Unobservable Inputs (Level 3) | Federal Funds Purchased
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Short-term borrowings	0		0
Estimated Fair Value | Significant Unobservable Inputs (Level 3) | Other short-term borrowings
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Short-term borrowings	0		0
Estimated Fair Value | Significant Unobservable Inputs (Level 3) | 5.375% Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Senior Notes	0		0
Estimated Fair Value | Significant Unobservable Inputs (Level 3) | 6.05% Subordinated Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Subordinated Notes	0	[4]	0	[4]
Estimated Fair Value | Significant Unobservable Inputs (Level 3) | 7.0% Junior Subordinated Debentures
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Junior Subordinated Debentures	$ 0		$ 0

[1] Represents cash collateral received from our counterparty for our interest rate swap agreement related to our 6.05% Subordinated Notes.

[2] At December 31, 2013 and 2012, included in the carrying value of our 6.05% Subordinated Notes were $6 million and $9 million, respectively, related to hedge accounting associated with the notes.

[3] Includes noninterest-bearing demand deposits, interest-bearing checking accounts, money market accounts and interest-bearing sweep deposits.

[4] At December 31, 2013 and 2012, included in the carrying value and estimated fair value of our 6.05% Subordinated Notes was $6.5 million and $9.0 million, respectively, related to hedge accounting associated with the notes.

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Investment Securities Major Components of Investment Securities Portfolio (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Investment Holdings [Line Items]
Amortized Cost	$ 12,055,524		$ 11,152,150
Available-for-sale Securities, Gross Unrealized Gain, Accumulated Investments	91,695		192,960
Available-for-sale Securities, Gross Unrealized Loss, Accumulated Investments	(160,398)		(1,933)
Carrying Value	11,986,821		11,343,177
Non-marketable and other securities	1,595,494		1,184,265
Investment securities	13,582,315		12,527,442
Fair value accounting | Other venture capital investments
Investment Holdings [Line Items]
Non-marketable securities	32,839	[1]	127,091	[1]
Fair value accounting | Other Securities
Investment Holdings [Line Items]
Non-marketable securities	321,374	[2]	0	[2]
Fair value accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	862,972	[3]	665,921	[3]
Equity method accounting | Other investments
Investment Holdings [Line Items]
Non-marketable securities	142,883	[4]	139,330	[4]
Equity method accounting | Low income housing tax credit funds
Investment Holdings [Line Items]
Non-marketable securities	72,241		70,318
Cost method accounting | Other investments
Investment Holdings [Line Items]
Non-marketable securities	14,191		19,721
Cost method accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	148,994	[5]	162,000	[5]
U.S. treasury securities
Investment Holdings [Line Items]
Amortized Cost	0		25,057
Available-for-sale Securities, Gross Unrealized Gain, Accumulated Investments	0		190
Available-for-sale Securities, Gross Unrealized Loss, Accumulated Investments	0		0
Carrying Value	0		25,247
U.S. agency debentures
Investment Holdings [Line Items]
Amortized Cost	4,344,652		3,370,455
Available-for-sale Securities, Gross Unrealized Gain, Accumulated Investments	41,365		77,173
Available-for-sale Securities, Gross Unrealized Loss, Accumulated Investments	(40,785)		0
Carrying Value	4,345,232		3,447,628
Residential mortgage-backed securities | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Investment Holdings [Line Items]
Amortized Cost	2,472,528		1,428,682
Available-for-sale Securities, Gross Unrealized Gain, Accumulated Investments	17,189		44,858
Available-for-sale Securities, Gross Unrealized Loss, Accumulated Investments	(16,141)		(107)
Carrying Value	2,473,576		1,473,433
Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Fixed rate
Investment Holdings [Line Items]
Amortized Cost	3,386,670		4,063,020
Available-for-sale Securities, Gross Unrealized Gain, Accumulated Investments	24,510		41,949
Available-for-sale Securities, Gross Unrealized Loss, Accumulated Investments	(85,422)		(995)
Carrying Value	3,325,758		4,103,974
Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Variable rate
Investment Holdings [Line Items]
Amortized Cost	1,183,333		1,760,551
Available-for-sale Securities, Gross Unrealized Gain, Accumulated Investments	3,363		12,201
Available-for-sale Securities, Gross Unrealized Loss, Accumulated Investments	(123)		(4)
Carrying Value	1,186,573		1,772,748
Agency-issued commercial mortgage-backed securities
Investment Holdings [Line Items]
Amortized Cost	581,475		416,487
Available-for-sale Securities, Gross Unrealized Gain, Accumulated Investments	552		6,100
Available-for-sale Securities, Gross Unrealized Loss, Accumulated Investments	(17,423)		(489)
Carrying Value	564,604		422,098
Municipal bonds and notes
Investment Holdings [Line Items]
Amortized Cost	82,024		85,790
Available-for-sale Securities, Gross Unrealized Gain, Accumulated Investments	4,024		7,750
Available-for-sale Securities, Gross Unrealized Loss, Accumulated Investments	(21)		(11)
Carrying Value	86,027		93,529
Equity securities
Investment Holdings [Line Items]
Amortized Cost	4,842		2,108
Available-for-sale Securities, Gross Unrealized Gain, Accumulated Investments	692		2,739
Available-for-sale Securities, Gross Unrealized Loss, Accumulated Investments	(483)		(327)
Carrying Value	$ 5,051		$ 4,520

[1] The following table shows the amounts of other venture capital investments held by the following consolidated funds and our ownership percentage of each fund at December 31, 2013 and December 31, 2012 (fair value accounting): December 31, 2013 December 31, 2012(Dollars in thousands) Amount Ownership % Amount Ownership %Silicon Valley BancVentures, LP $6,564 10.7% $43,493 10.7%SVB Capital Partners II, LP (i) 22,684 5.1 79,761 5.1SVB Capital Shanghai Yangpu Venture Capital Fund 3,591 6.8 3,837 6.8Total other venture capital investments $32,839 $127,091 (i)At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership of SVB Strategic Investors Fund II, LP.

[2] Investments classified as other securities (fair value accounting) represent direct equity investments in public companies held by our consolidated funds. This amount primarily includes total unrealized gains of $294 million in two of our public portfolio companies, FireEye and Twitter, both of which are currently subject to lock-up agreements. The extent to which any unrealized gains will become realized is subject to a variety of factors, including, among other things, the expiration of certain sales restrictions to which these securities are subject, the actual sales of securities and the timing of such actual sales.

[3] The following table shows the amounts of venture capital and private equity fund investments held by the following consolidated funds and our ownership percentage of each fund at December 31, 2013 and December 31, 2012 (fair value accounting): December 31, 2013 December 31, 2012(Dollars in thousands) Amount Ownership % Amount Ownership %SVB Strategic Investors Fund, LP $29,104 12.6% $32,850 12.6%SVB Strategic Investors Fund II, LP 96,185 8.6 91,294 8.6SVB Strategic Investors Fund III, LP 260,272 5.9 209,696 5.9SVB Strategic Investors Fund IV, LP 226,729 5.0 169,931 5.0Strategic Investors Fund V Funds 118,181 Various 40,622 VariousStrategic Investors Fund VI Funds 7,944 0.2 — —SVB Capital Preferred Return Fund, LP 59,028 20.0 53,643 20.0SVB Capital—NT Growth Partners, LP 61,126 33.0 60,120 33.0SVB Capital Partners II, LP (i) 708 5.1 1,303 5.1Other private equity fund (ii) 3,695 58.2 6,462 58.2Total venture capital and private equity fund investments $862,972 $665,921 (i)At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership interest of SVB Strategic Investors Fund II, LP.(ii)At December 31, 2013, we had a direct ownership interest of 41.5 percent and indirect ownership interests of 12.6 percent and 4.1 percent in the fund through our ownership interest of SVB Capital—NT Growth Partners, LP and SVB Capital Preferred Return Fund, LP, respectively.

[4] The following table shows the carrying value and our ownership percentage of each investment at December 31, 2013 and December 31, 2012 (equity method accounting): December 31, 2013 December 31, 2012(Dollars in thousands) Amount Ownership % Amount Ownership %Gold Hill Venture Lending 03, LP (i) $7,900 9.3% $9,413 9.3%Gold Hill Capital 2008, LP (ii) 21,867 15.5 20,893 15.5China Joint Venture investment 79,940 50.0 78,545 50.0Other investments 33,176 Various 30,479 VariousTotal other investments (equity method accounting) $142,883 $139,330 (i)At December 31, 2013, we had a direct ownership interest of 4.8 percent in the fund and an indirect interest in the fund through our investment in Gold Hill Venture Lending Partners 03, LLC (“GHLLC”) of 4.5 percent. (ii)At December 31, 2013, we had a direct ownership interest of 11.5 percent in the fund and an indirect interest in the fund through our investment in Gold Hill Capital 2008, LLC of 4.0 percent.

[5] Represents investments in 288 and 324 funds (primarily venture capital funds) at December 31, 2013 and December 31, 2012, respectively, where our ownership interest is less than 5% of the voting interests of each such fund and in which we do not have the ability to exercise significant influence over the partnerships operating activities and financial policies. The carrying value, and estimated fair value, of these venture capital and private equity fund investments (cost method accounting) was $149 million, and $215 million, respectively, as of December 31, 2013. The carrying value, and estimated fair value, of the venture capital and private equity fund investments (cost method accounting) was 162 million, and $193 million, respectively, as of December 31, 2012.

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Composition of Loans, Net of Unearned Income, Broken Out by Portfolio Segment and Class of Financing Receivable (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Financing Receivable, Recorded Investment [Line Items]
Loans, net of unearned income	$ 10,906,386	[1]	$ 8,946,933	[1]
Software
Financing Receivable, Recorded Investment [Line Items]
Loans, net of unearned income	4,102,636		3,261,489
Hardware
Financing Receivable, Recorded Investment [Line Items]
Loans, net of unearned income	1,213,032		1,118,370
Venture capital/private equity
Financing Receivable, Recorded Investment [Line Items]
Loans, net of unearned income	2,386,054		1,732,699
Life science
Financing Receivable, Recorded Investment [Line Items]
Loans, net of unearned income	1,170,220		1,066,199
Premium wine
Financing Receivable, Recorded Investment [Line Items]
Loans, net of unearned income	664,834		557,024
Commercial, Other
Financing Receivable, Recorded Investment [Line Items]
Loans, net of unearned income	396,644		381,195
Total commercial loans
Financing Receivable, Recorded Investment [Line Items]
Loans, net of unearned income	9,933,420		8,116,976
Real estate secured loans
Financing Receivable, Recorded Investment [Line Items]
Loans, net of unearned income	873,255		685,300
Consumer, Other
Financing Receivable, Recorded Investment [Line Items]
Loans, net of unearned income	99,711		144,657
Total consumer loans
Financing Receivable, Recorded Investment [Line Items]
Loans, net of unearned income	$ 972,966		$ 829,957

[1] Included within our total loan portfolio are credit card loans of $85 million and $64 million at December 31, 2013 and 2012, respectively.

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Parent Company Only Condensed Financial Information Condensed Statement of Comprehensive Income (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Net income available to common stockholders	$ 58,757	$ 67,621	$ 48,584	$ 40,891	$ 50,421	$ 42,289	$ 47,603	$ 34,790	$ 215,853	$ 175,103	$ 171,902
Other Comprehensive Income (Loss), Net of Tax									(157,317)	23,154	61,256
Comprehensive Income (Loss), Net of Tax, Attributable to Parent									58,536	198,257	233,158
Parent Company
Net income available to common stockholders									215,853	175,103	171,902
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax									(3,128)	(114)	(4,929)
Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Net of Tax									(1,449)	2,074	(319)
Comprehensive (Income) Loss, Net of Tax, Attributable to Noncontrolling Interest									(152,740)	21,194	66,504
Other Comprehensive Income (Loss), Net of Tax									(157,317)	23,154	61,256
Comprehensive Income (Loss), Net of Tax, Attributable to Parent									$ 58,536	$ 198,257	$ 233,158

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Investment Securities Summary of Remaining Contractual Principal Maturities and Fully Taxable Equivalent Yields on Debt Securities Classified as Available for Sale (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013
Investments Classified by Contractual Maturity Date [Line Items]
Carrying Value	$ 11,981,770
Weighted- Average Yield	1.98%
One Year or Less - Carrying Value	198,627
One Year or Less - Weighted- Average Yield	1.29%
After One Year to Five Years - Carrying Value	2,952,872
After One Year to Five Years - Weighted- Average Yield	1.54%
After Five Years to Ten Years - Carrying Value	2,260,721
After Five Years to Ten Years - Weighted- Average Yield	2.20%
After Ten Years - Carrying Value	6,569,550
After Ten Years - Weighted- Average Yield	1.87%
U.S. agency debentures
Investments Classified by Contractual Maturity Date [Line Items]
Carrying Value	4,345,232
Weighted- Average Yield	2.03%
One Year or Less - Carrying Value	197,305
One Year or Less - Weighted- Average Yield	1.26%
After One Year to Five Years - Carrying Value	2,926,457
After One Year to Five Years - Weighted- Average Yield	1.50%
After Five Years to Ten Years - Carrying Value	1,221,470
After Five Years to Ten Years - Weighted- Average Yield	2.00%
After Ten Years - Carrying Value	0
After Ten Years - Weighted- Average Yield	0.00%
Residential mortgage-backed securities | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Investments Classified by Contractual Maturity Date [Line Items]
Carrying Value	2,473,576
Weighted- Average Yield	2.44%
One Year or Less - Carrying Value	0
One Year or Less - Weighted- Average Yield	0.00%
After One Year to Five Years - Carrying Value	876
After One Year to Five Years - Weighted- Average Yield	7.50%
After Five Years to Ten Years - Carrying Value	953,783
After Five Years to Ten Years - Weighted- Average Yield	2.24%
After Ten Years - Carrying Value	1,518,917
After Ten Years - Weighted- Average Yield	2.56%
Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Fixed rate
Investments Classified by Contractual Maturity Date [Line Items]
Carrying Value	3,325,758
Weighted- Average Yield	1.90%
One Year or Less - Carrying Value	0
One Year or Less - Weighted- Average Yield	0.00%
After One Year to Five Years - Carrying Value	0
After One Year to Five Years - Weighted- Average Yield	0.00%
After Five Years to Ten Years - Carrying Value	41,945
After Five Years to Ten Years - Weighted- Average Yield	2.81%
After Ten Years - Carrying Value	3,283,813
After Ten Years - Weighted- Average Yield	1.90%
Residential mortgage-backed securities | Agency-issued collateralized mortgage obligations | Variable rate
Investments Classified by Contractual Maturity Date [Line Items]
Carrying Value	1,186,573
Weighted- Average Yield	0.70%
One Year or Less - Carrying Value	0
One Year or Less - Weighted- Average Yield	0.00%
After One Year to Five Years - Carrying Value	0
After One Year to Five Years - Weighted- Average Yield	0.00%
After Five Years to Ten Years - Carrying Value	0
After Five Years to Ten Years - Weighted- Average Yield	0.00%
After Ten Years - Carrying Value	1,186,573
After Ten Years - Weighted- Average Yield	0.70%
Agency-issued commercial mortgage-backed securities
Investments Classified by Contractual Maturity Date [Line Items]
Carrying Value	564,604
Weighted- Average Yield	2.18%
One Year or Less - Carrying Value	0
One Year or Less - Weighted- Average Yield	0.00%
After One Year to Five Years - Carrying Value	0
After One Year to Five Years - Weighted- Average Yield	0.00%
After Five Years to Ten Years - Carrying Value	0
After Five Years to Ten Years - Weighted- Average Yield	0.00%
After Ten Years - Carrying Value	564,604
After Ten Years - Weighted- Average Yield	2.18%
Municipal bonds and notes
Investments Classified by Contractual Maturity Date [Line Items]
Carrying Value	86,027
Weighted- Average Yield	5.98%
One Year or Less - Carrying Value	1,322
One Year or Less - Weighted- Average Yield	5.44%
After One Year to Five Years - Carrying Value	25,539
After One Year to Five Years - Weighted- Average Yield	5.71%
After Five Years to Ten Years - Carrying Value	43,523
After Five Years to Ten Years - Weighted- Average Yield	6.05%
After Ten Years - Carrying Value	$ 15,643
After Ten Years - Weighted- Average Yield	6.26%

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Loans and Allowance for Loan Losses Aging of Gross Loans, Broken out by Portfolio Segment and Class of Financing Receivable (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
30 - 59 Days Past Due	$ 19,367	$ 10,563
60 - 89 Days Past Due	12,572	10,063
Greater Than 90 Days Past Due	4,438	2,288
Total Past Due	36,377	22,914
Current	10,958,891	9,001,334
Loans Past Due 90 Days or More Still Accruing Interest	99	19
Software
Accounts, Notes, Loans and Financing Receivable [Line Items]
30 - 59 Days Past Due	9,804	5,890
60 - 89 Days Past Due	1,291	238
Greater Than 90 Days Past Due	99	19
Total Past Due	11,194	6,147
Current	4,102,546	3,284,489
Loans Past Due 90 Days or More Still Accruing Interest	99	19
Hardware
Accounts, Notes, Loans and Financing Receivable [Line Items]
30 - 59 Days Past Due	2,679	167
60 - 89 Days Past Due	3,965	32
Greater Than 90 Days Past Due	0	0
Total Past Due	6,644	199
Current	1,198,169	1,107,422
Loans Past Due 90 Days or More Still Accruing Interest	0	0
Venture capital/private equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
30 - 59 Days Past Due	4	7
60 - 89 Days Past Due	0	0
Greater Than 90 Days Past Due	0	0
Total Past Due	4	7
Current	2,408,382	1,749,896
Loans Past Due 90 Days or More Still Accruing Interest	0	0
Life science
Accounts, Notes, Loans and Financing Receivable [Line Items]
30 - 59 Days Past Due	395	207
60 - 89 Days Past Due	131	117
Greater Than 90 Days Past Due	0	0
Total Past Due	526	324
Current	1,179,462	1,076,468
Loans Past Due 90 Days or More Still Accruing Interest	0	0
Premium wine
Accounts, Notes, Loans and Financing Receivable [Line Items]
30 - 59 Days Past Due	0	0
60 - 89 Days Past Due	0	0
Greater Than 90 Days Past Due	0	0
Total Past Due	0	0
Current	665,755	554,886
Loans Past Due 90 Days or More Still Accruing Interest	0	0
Commercial, Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
30 - 59 Days Past Due	1,580	280
60 - 89 Days Past Due	142	0
Greater Than 90 Days Past Due	0	0
Total Past Due	1,722	280
Current	397,416	378,619
Loans Past Due 90 Days or More Still Accruing Interest	0	0
Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
30 - 59 Days Past Due	14,462	6,551
60 - 89 Days Past Due	5,529	387
Greater Than 90 Days Past Due	99	19
Total Past Due	20,090	6,957
Current	9,951,730	8,151,780
Loans Past Due 90 Days or More Still Accruing Interest	99	19
Real estate secured loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
30 - 59 Days Past Due	240	0
60 - 89 Days Past Due	0	0
Greater Than 90 Days Past Due	0	0
Total Past Due	240	0
Current	872,586	683,254
Loans Past Due 90 Days or More Still Accruing Interest	0	0
Consumer, Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
30 - 59 Days Past Due	8	111
60 - 89 Days Past Due	0	0
Greater Than 90 Days Past Due	0	0
Total Past Due	8	111
Current	98,965	143,867
Loans Past Due 90 Days or More Still Accruing Interest	0	0
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
30 - 59 Days Past Due	248	111
60 - 89 Days Past Due	0	0
Greater Than 90 Days Past Due	0	0
Total Past Due	248	111
Current	971,551	827,121
Loans Past Due 90 Days or More Still Accruing Interest	0	0
Total gross loans excluding impaired loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
30 - 59 Days Past Due	14,710	6,662
60 - 89 Days Past Due	5,529	387
Greater Than 90 Days Past Due	99	19
Total Past Due	20,338	7,068
Current	10,923,281	8,978,901
Loans Past Due 90 Days or More Still Accruing Interest	99	19
Impaired loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
30 - 59 Days Past Due	4,657	3,901
60 - 89 Days Past Due	7,043	9,676
Greater Than 90 Days Past Due	4,339	2,269
Total Past Due	16,039	15,846
Current	35,610	22,433
Loans Past Due 90 Days or More Still Accruing Interest	$ 0	$ 0

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Investment Securities Major Components of Investment Securities Portfolio (Parenthetical) (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013 Investment		Dec. 31, 2012 Investment		Dec. 31, 2011 Investment
Investment Holdings [Line Items]
Unrealized gains	$ 294,000,000
Fair value accounting | Other venture capital investments
Investment Holdings [Line Items]
Non-marketable securities	32,839,000	[1]	127,091,000	[1]
Fair value accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	862,972,000	[2]	665,921,000	[2]
Equity method accounting | Other investments
Investment Holdings [Line Items]
Non-marketable securities	142,883,000	[3]	139,330,000	[3]
Cost method accounting | Other investments
Investment Holdings [Line Items]
Non-marketable securities	14,191,000		19,721,000
Cost method accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Number of investments	288		324		329
Recognized other-than-temporary impairment (OTTI) losses	1,400,000		1,000,000		1,000,000
Number of impaired investments	43		46		41
Non-marketable securities	148,994,000	[4]	162,000,000	[4]
SVB Capital-NT Growth Partners, LP | Fair value accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	61,126,000		60,120,000
Company Direct and Indirect Ownership in Limited Partnership	33.00%		33.00%
SVB Capital Partners II, LP | Fair value accounting | Other venture capital investments
Investment Holdings [Line Items]
Non-marketable securities	22,684,000	[5]	79,761,000
Company Direct and Indirect Ownership in Limited Partnership	5.10%	[5]	5.10%
SVB Capital Partners II, LP | Fair value accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	708,000	[6]	1,303,000
Company Direct and Indirect Ownership in Limited Partnership	5.10%	[6]	5.10%
SVB Capital Partners II, LP | Fair value accounting | Direct ownership interest | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	1.30%
SVB Capital Partners II, LP | Fair value accounting | Indirect ownership interest | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	3.80%
Other private equity fund | Fair value accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	3,695,000	[7]	6,462,000
Company Direct and Indirect Ownership in Limited Partnership	58.20%	[7]	58.20%
Other private equity fund | Fair value accounting | Direct ownership interest | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	41.50%
Other private equity fund | Fair value accounting | Indirect ownership interest | SVB Capital-NT Growth Partners, LP | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	12.60%
Other private equity fund | Fair value accounting | Indirect ownership interest | SVB Capital Preferred Return Fund, LP | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	4.10%
Gold Hill Venture Lending 03, LP | Equity method accounting | Other investments
Investment Holdings [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	9.30%	[8]	9.30%
Non-marketable securities	7,900,000	[8]	9,413,000
Gold Hill Venture Lending 03, LP | Equity method accounting | Direct ownership interest | Other investments
Investment Holdings [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	4.80%
Gold Hill Venture Lending 03, LP | Equity method accounting | Indirect ownership interest | Other investments
Investment Holdings [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	4.50%
Gold Hill Capital 2008, LP | Equity method accounting | Other investments
Investment Holdings [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	15.50%	[9]	15.50%
Non-marketable securities	21,867,000	[9]	20,893,000
Gold Hill Capital 2008, LP | Equity method accounting | Direct ownership interest | Other investments
Investment Holdings [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	11.50%
Gold Hill Capital 2008, LP | Equity method accounting | Indirect ownership interest | Other investments
Investment Holdings [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	4.00%
SVB Strategic Investors Fund, LP | Fair value accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	29,104,000		32,850,000
Company Direct and Indirect Ownership in Limited Partnership	12.60%		12.60%
SVB Strategic Investors Fund II, LP | Fair value accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	96,185,000		91,294,000
Company Direct and Indirect Ownership in Limited Partnership	8.60%		8.60%
SVB Strategic Investors Fund III, LP | Fair value accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	260,272,000		209,696,000
Company Direct and Indirect Ownership in Limited Partnership	5.90%		5.90%
SVB Strategic Investors Fund IV, LP | Fair value accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	226,729,000		169,931,000
Company Direct and Indirect Ownership in Limited Partnership	5.00%		5.00%
Strategic Investors Fund V, LP | Fair value accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	118,181,000		40,622,000
SVB Capital Preferred Return Fund, LP | Fair value accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	59,028,000		53,643,000
Company Direct and Indirect Ownership in Limited Partnership	20.00%		20.00%
Silicon Valley BancVentures, LP | Fair value accounting | Other venture capital investments
Investment Holdings [Line Items]
Non-marketable securities	6,564,000		43,493,000
Company Direct and Indirect Ownership in Limited Partnership	10.70%		10.70%
SVB Capital Shanghai Yangpu Venture Capital Fund | Fair value accounting | Other venture capital investments
Investment Holdings [Line Items]
Non-marketable securities	3,591,000		3,837,000
Company Direct and Indirect Ownership in Limited Partnership	6.80%		6.80%
China Joint Venture Investment | Equity method accounting | Other investments
Investment Holdings [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	50.00%		50.00%
Non-marketable securities	79,940,000		78,545,000
Other investment | Equity method accounting | Other investments
Investment Holdings [Line Items]
Non-marketable securities	33,176,000		30,479,000
Strategic Investors Fund VI Funds | Fair value accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	7,944,000		0
Company Direct and Indirect Ownership in Limited Partnership	0.20%		0.00%
Upper Limit | Cost method accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Company Direct and Indirect Ownership in Limited Partnership	5.00%		5.00%
Estimated Fair Value | Cost method accounting | Venture capital and private equity fund investments
Investment Holdings [Line Items]
Non-marketable securities	$ 215,000,000		$ 193,000,000

[1] The following table shows the amounts of other venture capital investments held by the following consolidated funds and our ownership percentage of each fund at December 31, 2013 and December 31, 2012 (fair value accounting): December 31, 2013 December 31, 2012(Dollars in thousands) Amount Ownership % Amount Ownership %Silicon Valley BancVentures, LP $6,564 10.7% $43,493 10.7%SVB Capital Partners II, LP (i) 22,684 5.1 79,761 5.1SVB Capital Shanghai Yangpu Venture Capital Fund 3,591 6.8 3,837 6.8Total other venture capital investments $32,839 $127,091 (i)At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership of SVB Strategic Investors Fund II, LP.

[2] The following table shows the amounts of venture capital and private equity fund investments held by the following consolidated funds and our ownership percentage of each fund at December 31, 2013 and December 31, 2012 (fair value accounting): December 31, 2013 December 31, 2012(Dollars in thousands) Amount Ownership % Amount Ownership %SVB Strategic Investors Fund, LP $29,104 12.6% $32,850 12.6%SVB Strategic Investors Fund II, LP 96,185 8.6 91,294 8.6SVB Strategic Investors Fund III, LP 260,272 5.9 209,696 5.9SVB Strategic Investors Fund IV, LP 226,729 5.0 169,931 5.0Strategic Investors Fund V Funds 118,181 Various 40,622 VariousStrategic Investors Fund VI Funds 7,944 0.2 — —SVB Capital Preferred Return Fund, LP 59,028 20.0 53,643 20.0SVB Capital—NT Growth Partners, LP 61,126 33.0 60,120 33.0SVB Capital Partners II, LP (i) 708 5.1 1,303 5.1Other private equity fund (ii) 3,695 58.2 6,462 58.2Total venture capital and private equity fund investments $862,972 $665,921 (i)At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership interest of SVB Strategic Investors Fund II, LP.(ii)At December 31, 2013, we had a direct ownership interest of 41.5 percent and indirect ownership interests of 12.6 percent and 4.1 percent in the fund through our ownership interest of SVB Capital—NT Growth Partners, LP and SVB Capital Preferred Return Fund, LP, respectively.

[3] The following table shows the carrying value and our ownership percentage of each investment at December 31, 2013 and December 31, 2012 (equity method accounting): December 31, 2013 December 31, 2012(Dollars in thousands) Amount Ownership % Amount Ownership %Gold Hill Venture Lending 03, LP (i) $7,900 9.3% $9,413 9.3%Gold Hill Capital 2008, LP (ii) 21,867 15.5 20,893 15.5China Joint Venture investment 79,940 50.0 78,545 50.0Other investments 33,176 Various 30,479 VariousTotal other investments (equity method accounting) $142,883 $139,330 (i)At December 31, 2013, we had a direct ownership interest of 4.8 percent in the fund and an indirect interest in the fund through our investment in Gold Hill Venture Lending Partners 03, LLC (“GHLLC”) of 4.5 percent. (ii)At December 31, 2013, we had a direct ownership interest of 11.5 percent in the fund and an indirect interest in the fund through our investment in Gold Hill Capital 2008, LLC of 4.0 percent.

[4] Represents investments in 288 and 324 funds (primarily venture capital funds) at December 31, 2013 and December 31, 2012, respectively, where our ownership interest is less than 5% of the voting interests of each such fund and in which we do not have the ability to exercise significant influence over the partnerships operating activities and financial policies. The carrying value, and estimated fair value, of these venture capital and private equity fund investments (cost method accounting) was $149 million, and $215 million, respectively, as of December 31, 2013. The carrying value, and estimated fair value, of the venture capital and private equity fund investments (cost method accounting) was 162 million, and $193 million, respectively, as of December 31, 2012.

[5] At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership of SVB Strategic Investors Fund II, LP.

[6] At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership interest of SVB Strategic Investors Fund II, LP.

[7] At December 31, 2013, we had a direct ownership interest of 41.5 percent and indirect ownership interests of 12.6 percent and 4.1 percent in the fund through our ownership interest of SVB Capital—NT Growth Partners, LP and SVB Capital Preferred Return Fund, LP, respectively

[8] At December 31, 2013, we had a direct ownership interest of 4.8 percent in the fund and an indirect interest in the fund through our investment in Gold Hill Venture Lending Partners 03, LLC (“GHLLC”) of 4.5 percent.

[9] At December 31, 2013, we had a direct ownership interest of 11.5 percent in the fund and an indirect interest in the fund through our investment in Gold Hill Capital 2008, LLC of 4.0 percent.

XML

Reserves on Deposit with the Federal Reserve Bank and Federal Bank Stock Average Required Reserve Balances (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Reserves on Deposit with the Federal Reserve Bank and Federal Bank Stock [Abstract]
Average required reserve balances at FRB San Francisco	$ 131,374	$ 112,173

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Fair Value of Financial Instruments

12 Months Ended

Dec. 31, 2013

Fair Value Disclosures [Abstract]

Fair Value of Financial Instruments

Fair Value of Financial Instruments

Fair Value Measurements

Our available-for-sale securities, derivative instruments and certain non-marketable, marketable and other securities are financial instruments recorded at fair value on a recurring basis. We make estimates regarding valuation of assets and liabilities measured at fair value in preparing our consolidated financial statements.

The following fair value hierarchy table presents information about our assets and liabilities that are measured at fair value on a recurring basis as of December 31, 2013:

(Dollars in thousands)	Level 1		Level 2		Level 3		Balance at December 31, 2013
Assets
Available-for-sale securities:
U.S. treasury securities	$	—	$	—	$	—	$	—
U.S. agency debentures	—		4,345,232		—		4,345,232
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	—		2,473,576		—		2,473,576
Agency-issued collateralized mortgage obligations -    fixed rate	—		3,325,758		—		3,325,758
Agency-issued collateralized mortgage obligations -    variable rate	—		1,186,573		—		1,186,573
Agency-issued commercial mortgage-backed securities	—		564,604		—		564,604
Municipal bonds and notes	—		86,027		—		86,027
Equity securities	3,732		1,319		—		5,051
Total available-for-sale securities	3,732		11,983,089		—		11,986,821
Non-marketable and other securities (fair value accounting):
Non-marketable securities:
Venture capital and private equity fund investments	—		—		862,972		862,972
Other venture capital investments	—		—		32,839		32,839
Other securities	2,125		—		319,249		321,374
Total non-marketable and other securities (fair value accounting)	2,125		—		1,215,060		1,217,185
Other assets:
Marketable securities	—		—		—		—
Interest rate swaps	—		6,492		—		6,492
Foreign exchange forward and option contracts	—		15,530		—		15,530
Equity warrant assets	—		3,622		99,891		103,513
Loan conversion options	—		314		—		314
Client interest rate derivatives	—		1,265		—		1,265
Total assets (1)	$	5,857	$	12,010,312	$	1,314,951	$	13,331,120
Liabilities
Foreign exchange forward and option contracts	$	—	$	12,617	$	—	$	12,617
Client interest rate derivatives	—		1,396		—		1,396
Total liabilities	$	—	$	14,013	$	—	$	14,013

(1) Included in Level 1 and Level 3 assets are $2 million and $1 billion, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

The following fair value hierarchy table presents information about our assets and liabilities that are measured at fair value on a recurring basis as of December 31, 2012:

(Dollars in thousands)	Level 1		Level 2		Level 3		Balance at December 31, 2012
Assets
Available-for-sale securities:
U.S. treasury securities	$	—	$	25,247	$	—	$	25,247
U.S. agency debentures	—		3,447,628		—		3,447,628
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	—		1,473,433		—		1,473,433
Agency-issued collateralized mortgage obligations -     fixed rate	—		4,103,974		—		4,103,974
Agency-issued collateralized mortgage obligations -     variable rate	—		1,772,748		—		1,772,748
Agency-issued commercial mortgage-backed securities	—		422,098		—		422,098
Municipal bonds and notes	—		93,529		—		93,529
Equity securities	4,520		—		—		4,520
Total available-for-sale securities	4,520		11,338,657		—		11,343,177
Non-marketable and other securities (fair value accounting):
Non-marketable securities:
Venture capital and private equity fund investments	—		—		665,921		665,921
Other venture capital investments	—		—		127,091		127,091
Other securities	—		—		—		—
Total non-marketable and other securities (fair value accounting)	—		—		793,012		793,012
Other assets:
Marketable securities	1,144		9,184		—		10,328
Interest rate swaps	—		9,005		—		9,005
Foreign exchange forward and option contracts	—		13,541		—		13,541
Equity warrant assets	—		8,143		66,129		74,272
Loan conversion options	—		890		—		890
Client interest rate derivatives	—		558		—		558
Total assets (1)	$	5,664	$	11,379,978	$	859,141	$	12,244,783
Liabilities
Foreign exchange forward and option contracts	$	—	$	12,847	$	—	$	12,847
Client interest rate derivatives	—		590		—		590
Total liabilities	$	—	$	13,437	$	—	$	13,437

(1) Included in Level 1, Level 2, and Level 3 assets are $1 million, $9 million and $708 million, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

The following table presents additional information about Level 3 assets measured at fair value on a recurring basis for 2013, 2012 and 2011, respectively:

(Dollars in thousands)	Beginning Balance		Total Realized and Unrealized Gains, net Included in Income		Purchases		Sales			Issuances		Distributions and Other Settlements			Transfers Into Level 3		Transfers Out of Level 3			Ending Balance
Year ended December 31, 2013:
Non-marketable and other securities (fair value accounting):
Venture capital and private equity fund investments	$	665,921	$	169,219	$	146,564	$	—		$	—	$	(118,732	)	$	—	$	—		$	862,972
Other venture capital investments (3)	127,091		5,745		2,712		(1,224		)	—		(97,924		)	—		(3,561		)	32,839
Other securities (fair value accounting) (3)	—		222,368		—		—			—		96,881			—		—			319,249
Total non-marketable and other securities (fair value accounting) (1)	793,012		397,332		149,276		(1,224		)	—		(119,775		)	—		(3,561		)	1,215,060
Other assets:
Equity warrant assets (2)	66,129		22,929		—		(16,680		)	9,098		1,540			24,217		(7,342		)	99,891
Total assets	$	859,141	$	420,261	$	149,276	$	(17,904	)	$	9,098	$	(118,235	)	$	24,217	$	(10,903	)	$	1,314,951
Year ended December 31, 2012:
Non-marketable and other securities (fair value accounting):
Venture capital and private equity fund investments	$	611,824	$	44,283	$	122,238	$	—		$	—	$	(112,424	)	$	—	$	—		$	665,921
Other venture capital investments	124,121		46,711		13,123		(9,716		)	—		(39,558		)	—		(7,590		)	127,091
Other investments	987		21		—		—			—		(1,008		)	—		—			—
Total non-marketable and other securities (fair value accounting) (1)	736,932		91,015		135,361		(9,716		)	—		(152,990		)	—		(7,590		)	793,012
Other assets:
Equity warrant assets (2)	63,030		13,697		—		(21,077		)	11,978		(78		)	—		(1,421		)	66,129
Total assets	$	799,962	$	104,712	$	135,361	$	(30,793	)	$	11,978	$	(153,068	)	$	—	$	(9,011	)	$	859,141
Year ended December 31, 2011:
Non-marketable and other securities (fair value accounting):
Venture capital and private equity fund investments	$	391,247	$	119,164	$	156,498	$	—		$	—	$	(55,085	)	$	—	$	—		$	611,824
Other venture capital investments	111,843		25,794		13,981		(27,513		)	—		16			—		—			124,121
Other investments	981		24		—		—			—		(18		)	—		—			987
Total non-marketable and other securities (fair value accounting) (1)	504,071		144,982		170,479		(27,513		)	—		(55,087		)	—		—			736,932
Other assets:
Equity warrant assets (2)	43,537		31,958		—		(25,534		)	13,849		(63		)	—		(717		)	63,030
Total assets	$	547,608	$	176,940	$	170,479	$	(53,047	)	$	13,849	$	(55,150	)	$	—	$	(717	)	$	799,962

(1) Realized and unrealized gains (losses) are recorded on the line items “gains on investment securities, net”, and “other noninterest income”, components of noninterest income.

(2) Realized and unrealized gains are recorded on the line item “gains on derivative instruments, net”, a component of noninterest income.

(3) Includes total unrealized valuation gains of $219 million attributable to two of our portfolio companies, FireEye and Twitter.

The following table presents the amount of unrealized gains (losses) included in earnings (which is inclusive of noncontrolling interest) attributable to Level 3 assets still held at December 31, 2013:

	Year ended December 31,
(Dollars in thousands)	2013		2012
Non-marketable and other securities (fair value accounting):
Venture capital and private equity fund investments	$	168,567	$	46,859
Other venture capital investments (1)	6,207		56,233
Other securities (1)	222,368		—
Total non-marketable and other securities (fair value accounting) (2)	397,142		103,092
Other assets:
Equity warrant assets (3)	30,579		21
Total unrealized gains, net	$	427,721	$	103,113
Unrealized gains attributable to noncontrolling interests	$	346,954	$	91,703

(1) Includes total unrealized valuation gains of $219 million attributable to two of our portfolio companies, FireEye and Twitter.

(2) Unrealized gains are recorded on the line items “gains on investment securities, net”, and “other noninterest income”, components of noninterest income.

(3) Unrealized gains are recorded on the line item “gains on derivative instruments, net”, a component of noninterest income.

The extent to which any unrealized gains will become realized is subject to a variety of factors, including, among other things, the expiration of current sales restrictions to which these securities are subject, the actual sales of securities and the timing of such actual sales. Both FireEye and Twitter are each subject to a lock-up agreement.

The following table presents quantitative information about the significant unobservable inputs used for certain of our Level 3 fair value measurements at December 31, 2013. We have not included in this table our venture capital and private equity fund investments (fair value accounting) as we use net asset value per share (as obtained from the general partners of the investments) as a practical expedient to determine fair value.

(Dollars in thousands)	Fair Value		Valuation Technique	Significant Unobservable Inputs	Weighted  Average
December 31, 2013:
Other venture capital investments (fair value accounting)	$	32,839	Private company equity pricing	(1)	(1)
Other securities	319,249		Modified stock price	Sales restrictions discount (2)	12.0	%
Equity warrant assets (public portfolio)	24,217		Modified Black-Scholes option pricing model	Volatility	41.3	%
				Risk-Free interest rate	1.7	%
				Sales restrictions discount (2)	13.7	%
Equity warrant assets (private portfolio)	75,674		Modified Black-Scholes option pricing model	Volatility	40.1	%
				Risk-Free interest rate	0.8	%
				Marketability discount (3)	22.5	%
				Remaining life assumption (4)	45.0	%
December 31, 2012:
Other venture capital investments (fair value accounting)	127,091		Private company equity pricing	(1)	(1)
Equity warrant assets (private portfolio)	66,129		Modified Black-Scholes option pricing model	Volatility	45.2	%
				Risk-Free interest rate	0.4	%
				Marketability discount (3)	22.5	%
				Remaining life assumption (4)	45.0	%

(1) In determining the fair value of our other venture capital investment portfolio, we evaluate a variety of factors related to each underlying private portfolio company including, but not limited to, actual and forecasted results, cash position, recent or planned transactions and market comparable companies. Additionally, we have ongoing communication with the portfolio companies and venture capital fund managers, to determine whether there is a material change in fair value. These factors are specific to each portfolio company and a weighted average or range of values of the unobservable inputs is not meaningful.

(2) We adjust quoted market prices of public companies which are subject to certain sales restrictions. Sales restriction discounts generally range from 10 percent to 20 percent depending on the duration of the sales restrictions which typically range from 3 to 6 months.

(3) Our marketability discount is applied to all private company warrants to account for a general lack of liquidity due to the private nature of the associated underlying company. The quantitative measure used is based on long-run averages and is influenced over time by various factors, including market conditions. On a quarterly basis, a sensitivity analysis is performed on our marketability discount.

(4) We adjust the contractual remaining term of private company warrants based on our best estimate of the actual remaining life, which we determine by utilizing historical data on cancellations and exercises. At December 31, 2013, the weighted average contractual remaining term was 6.3 years, compared to our estimated remaining life of 2.8 years. On a quarterly basis, a sensitivity analysis is performed on our remaining life assumption.

During 2013, there were no transfers between Level 2 and Level 1, compared to transfers of $3.1 million and $3.9 million from Level 2 to Level 1 in 2012 and 2011, respectively. During 2013, a new sales restriction discount was applied to the valuation of public equity warrant assets, which were subject to certain sales restrictions. The application of this discount resulted in a transfer of $24.2 million of public equity warrant assets from Level 2 to Level 3. Transfers from Level 3 to Level 2 during 2013 and 2012 included $3.6 million and $7.6 million, respectively, as a result of the expiration of lock-up, and other sales, restrictions on certain of our other venture capital investments.

All other transfers from Level 3 to Level 2 during 2013, 2012 and 2011 were due to the transfer of equity warrant assets from our private portfolio to our public portfolio (See our Level 3 reconciliation above). All amounts reported as transfers represent the fair value as of the date of the change in circumstances that caused the transfer.

Financial Instruments not Carried at Fair Value

FASB guidance over financial instruments requires that we disclose estimated fair values for our financial instruments not carried at fair value. Fair value estimates, methods and assumptions, set forth below for our financial instruments, are made solely to comply with these requirements.

Fair values are based on estimates or calculations at the transaction level using present value techniques in instances where quoted market prices are not available. Because broadly traded markets do not exist for many of our financial instruments, the fair value calculations attempt to incorporate the effect of current market conditions at a specific time. The aggregation of the fair value calculations presented herein does not represent, and should not be construed to represent, the underlying value of the Company.

The following describes the methods and assumptions used in estimating the fair values of financial instruments, excluding financial instruments already recorded at fair value as described above.

Cash and Cash Equivalents

Cash and cash equivalents include cash on hand, cash balances due from banks, interest-earning deposits, securities purchased under agreement to resell and other short-term investment securities. The carrying amount is a reasonable estimate of fair value because of the insignificant risk of changes in fair value due to changes in market interest rates, and the instruments are purchased in conjunction with our cash management activities.

Non-Marketable and Other Securities (Cost and Equity Method Accounting)

Non-marketable and other securities includes other investments (equity method accounting), low income housing tax credit funds (equity method accounting), venture capital and private equity fund investments (cost method accounting), and other venture capital investments (cost method accounting). Other investments (equity method accounting) includes our investment in SPD-SVB, our joint venture bank in China. At this time, the carrying value of our investment in SPD-SVB is a reasonable estimate of fair value. The fair value of the remaining other investments (equity method accounting) and the fair value of venture capital and private equity fund investments (cost method accounting) and other venture capital investments (cost method accounting) is based on financial information obtained from the investee or obtained from the fund investments’ or debt fund investments’ respective general partners. For private company investments, estimated fair value is based on consideration of a range of factors including, but not limited to, the price at which the investment was acquired, the term and nature of the investment, local market conditions, values for comparable securities, current and projected operating performance, exit strategies, and financing transactions subsequent to the acquisition of the investment. For our fund investments, we utilize the net asset value per share as obtained from the general partners of the investments. We adjust the net asset value per share for differences between our measurement date and the date of the fund investment’s net asset value by using the most recently available financial information from the investee general partner, for example September 30^th, for our December 31^st consolidated financial statements, adjusted for any contributions paid, distributions received from the investment, and significant fund transactions or market events during the reporting period. The carrying value of our low income housing tax credit funds (equity method accounting) is a reasonable estimate of fair value.

Loans

The fair value of fixed and variable rate loans is estimated by discounting contractual cash flows using rates that reflect current pricing for similar loans and the projected forward yield curve. This method is not based on the exit price concept of fair value required under ASC 820, Fair Value Measurements and Disclosures.

FHLB and FRB stock

Investments in FHLB and FRB stock are recorded at cost. The carrying amounts of these investments are reasonable estimates of fair value because the securities are restricted to member banks and they do not have a readily determinable market value.

Accrued Interest Receivable and Payable

The carrying amounts of accrued interest receivable and payable are reasonable estimates of fair value due to the short-term nature of these balances.

Deposits

The fair value of deposits with no stated maturity, such as noninterest-bearing demand deposits, interest-bearing checking accounts, money market accounts and interest-bearing sweep deposits is equal to the amount payable on demand at the measurement date. The fair value of time deposits is estimated by discounting the cash flows using our cost of borrowings and the projected forward yield curve over their remaining contractual term.

Short-Term Borrowings

Short-term borrowings at both December 31, 2013 and 2012 included federal funds purchased and cash collateral received from our counterparty for our interest rate swap agreement related to our 6.05% Subordinated Notes. Short-term borrowings at December 31, 2012 also included federal funds purchased. The carrying amounts of our federal funds purchased is a reasonable estimate of fair value because of the relatively short time between the origination of the instrument and its contractual maturity. The carrying amount of the cash collateral is a reasonable estimate of fair value.

Long-Term Debt

Long-term debt at December 31, 2013 and 2012 included our 5.375% Senior Notes, 7.0% Junior Subordinated Debentures and 6.05% Subordinated Notes. The fair value of long-term debt is generally based on quoted market prices, when available, or is estimated based on calculations utilizing third-party pricing services and current market spread, price indications from reputable dealers or observable market prices of the underlying instrument(s), whichever is deemed more reliable. Also included in the estimated fair value of our 6.05% Subordinated Notes are amounts related to hedge accounting associated with the notes.

Off-Balance Sheet Financial Instruments

The fair value of net available commitments to extend credit is estimated based on the average amount we would receive or pay to execute a new agreement with identical terms and pricing, while taking into account the counterparties’ credit standing.

Letters of credit are carried at their fair value, which is equivalent to the residual premium or fee at December 31, 2013 and 2012. Commitments to extend credit and letters of credit typically result in loans with a market interest rate if funded.

The following fair value hierarchy table presents the estimated fair values of our financial instruments that are not carried at fair value at December 31, 2013 and 2012:

			Estimated Fair Value
(Dollars in thousands)	Carrying Amount		Level 1		Level 2		Level 3
December 31, 2013:
Financial assets:
Cash and cash equivalents	$	1,538,779	$	1,538,779	$	—	$	—
Non-marketable and other securities (cost and equity method accounting)	378,309		—		—		447,783
Net commercial loans	9,796,878		—		—		9,935,917
Net consumer loans	966,622		—		—		1,005,080
FHLB and FRB stock	40,632		—		—		40,632
Accrued interest receivable	67,772		—		67,772		—
Financial liabilities:
Federal funds purchased	—		—		—		—
Other short-term borrowings	5,080		5,080		—		—
Non-maturity deposits (1)	22,259,119		22,259,119		—		—
Time deposits	213,860		—		213,874		—
5.375% Senior Notes	348,209		—		383,782		—
6.05% Subordinated Notes (2)	51,987		—		56,297		—
7.0% Junior Subordinated Debentures	55,020		—		51,915		—
Accrued interest payable	6,858		—		6,858		—
Off-balance sheet financial assets:
Commitments to extend credit	—		—		—		24,285
December 31, 2012:
Financial assets:
Cash and cash equivalents	$	1,008,983	$	1,008,983	$	—	$	—
Non-marketable and other securities (cost and equity method accounting)	391,253		—		—		425,741
Net commercial loans	8,013,563		—		—		8,180,597
Net consumer loans	822,719		—		—		860,772
FHLB and FRB stock	39,806		—		—		39,806
Accrued interest receivable	64,167		—		64,167		—
Financial liabilities:
Federal funds purchased	160,000		160,000		—		—
Other short-term borrowings	6,110		6,110		—		—
Non-maturity deposits (1)	19,021,264		19,021,264		—		—
Time deposits	155,188		—		155,027		—
5.375% Senior Notes	347,995		—		393,701		—
6.05% Subordinated Notes (2)	54,571		—		61,639		—
7.0% Junior Subordinated Debentures	55,196		—		51,959		—
Accrued interest payable	6,494		—		6,494		—
Off-balance sheet financial assets:
Commitments to extend credit	—		—		—		20,562

(1) Includes noninterest-bearing demand deposits, interest-bearing checking accounts, money market accounts and interest-bearing sweep deposits.

(2) At December 31, 2013 and 2012, included in the carrying value and estimated fair value of our 6.05% Subordinated Notes was $6.5 million and $9.0 million, respectively, related to hedge accounting associated with the notes.

Investments in Entities that Calculate Net Asset Value Per Share

FASB guidance over certain fund investments requires that we disclose the fair value of funds, significant investment strategies of the investees, redemption features of the investees, restrictions on the ability to sell investments, estimate of the period of time over which the underlying assets are expected to be liquidated by the investee, and unfunded commitments related to the investments.

Our investments in debt funds and venture capital and private equity fund investments generally cannot be redeemed. Alternatively, we expect distributions, if any, to be received primarily through IPOs and M&A activity of the underlying assets of the fund. We currently do not have any plans to sell any of these fund investments. If we decide to sell these investments in the future, the investee fund’s management must approve of the buyer before the sale of the investments can be completed. The fair values of the fund investments have been estimated using the net asset value per share of the investments, adjusted for any differences between our measurement date and the date of the fund investment’s net asset value by using the most recently available financial information from the investee general partner, for example September 30^th, for our December 31^st consolidated financial statements, adjusted for any contributions paid, distributions received from the investment, and significant fund transactions or market events during the reporting period.

The following table is a summary of the estimated fair values of these investments and remaining unfunded commitments for each major category of these investments as of December 31, 2013:

(Dollars in thousands)	Carrying Amount		Fair Value		Unfunded Commitments
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments (1)	$	862,972	$	862,972	$	428,139
Non-marketable securities (equity method accounting):
Other investments (2)	53,019		54,544		15,436
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments (3)	148,994		214,554		35,345
Total	$	1,064,985	$	1,132,070	$	478,920

(1) Venture capital and private equity fund investments within non-marketable and other securities (fair value accounting) include investments made by our managed funds of funds and one of our direct venture funds. These investments represent investments in venture capital and private equity funds that invest primarily in U.S. and global technology and life sciences companies. Included in the fair value and unfunded commitments of fund investments under fair value accounting are $786 million and $422 million, respectively, attributable to noncontrolling interests. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds and any potential extensions of terms of the funds.

(2) Other investments within non-marketable securities (equity method accounting) include investments in debt funds and venture capital and private equity fund investments that invest in or lend money to primarily U.S. and global technology and life sciences companies. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds.

(3) Venture capital and private equity fund investments within non-marketable securities (cost method accounting) include investments in venture capital and private equity fund investments that invest primarily in U.S. and global technology and life sciences companies. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds and any potential extensions of the terms of the funds.

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Segment Information (Parenthetical) (Detail) (Global Commercial Bank, USD $) In Millions, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Global Commercial Bank
Segment Reporting Information [Line Items]
Depreciation and amortization	$ 21.3	$ 16.3	$ 12.0

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Segment Reporting (Tables)

12 Months Ended

Dec. 31, 2013

Segment Reporting [Abstract]

Segment Reporting

Our segment information for 2013, 2012 and 2011 is as follows:

(Dollars in thousands)	Global Commercial Bank (1)			SVB Private   Bank			SVB Capital (1)			Other Items			Total
Year ended December 31, 2013
Net interest income	$	643,016		$	26,701		$	20		$	27,607		$	697,344
(Provision for) reduction of loan losses	(65,290		)	1,597			—			—			(63,693		)
Noninterest income	202,404			1,209			75,037			394,556			673,206
Noninterest expense (2)	(436,327		)	(15,916		)	(10,737		)	(158,700		)	(621,680		)
Income before income tax expense (3)	$	343,803		$	13,591		$	64,320		$	263,463		$	685,177
Total average loans, net of unearned income	$	8,472,045		$	919,831		$	—		$	(40,498	)	$	9,351,378
Total average assets (4)	21,388,037			959,214			289,328			574,168			23,210,747
Total average deposits	19,072,921			524,398			—			21,875			19,619,194
Year ended December 31, 2012
Net interest income	$	595,133		$	21,807		$	15		$	909		$	617,864
(Provision for) reduction of loan losses	(45,417		)	1,087			—			—			(44,330		)
Noninterest income	188,842			681			27,435			118,588			335,546
Noninterest expense (2)	(398,438		)	(13,651		)	(11,263		)	(122,646		)	(545,998		)
Income (loss) before income tax expense (3)	$	340,120		$	9,924		$	16,187		$	(3,149	)	$	363,082
Total average loans, net of unearned income	$	6,790,332		$	758,471		$	—		$	10,125		$	7,558,928
Total average assets (4)	19,522,306			763,186			239,335			786,345			21,311,172
Total average deposits	17,575,060			313,836			—			21,192			17,910,088
Year ended December 31, 2011
Net interest income (loss)	$	519,145		$	19,529		$	10		$	(12,407	)	$	526,277
Provision for loan losses	(13,494		)	7,393			—			—			(6,101		)
Noninterest income	150,116			516			27,358			204,342			382,332
Noninterest expense (2)	(352,458		)	(10,174		)	(13,079		)	(124,917		)	(500,628		)
Income before income tax expense (3)	$	303,309		$	17,264		$	14,289		$	67,018		$	401,880
Total average loans, net of unearned income	$	5,111,086		$	658,175		$	—		$	45,810		$	5,815,071
Total average assets (4)	17,103,883			658,797			226,423			681,396			18,670,499
Total average deposits	15,364,804			186,604			—			17,393			15,568,801

(1) Global Commercial Bank’s and SVB Capital’s components of net interest income, noninterest income, noninterest expense and total average assets are shown net of noncontrolling interest for all periods presented. Noncontrolling interest is included within "Other Items".

(2) The Global Commercial Bank segment includes direct depreciation and amortization of $21.3 million, $16.3 million and $12.0 million for 2013, 2012 and 2011, respectively.

(3) The internal reporting model used by management to assess segment performance does not calculate income tax expense by segment. Our effective tax rate is a reasonable approximation of the segment rates.

(4) Total average assets equals the greater of total average assets or the sum of total liabilities and total stockholders’ equity for each segment.

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Short-Term Borrowings and Long-Term Debt (Tables)

12 Months Ended

Dec. 31, 2013

Debt Disclosure [Abstract]

Outstanding Short Term Borrowings and Long Term Debt

The following table represents outstanding short-term borrowings and long-term debt at December 31, 2013 and 2012:

				Carrying Value
(Dollars in thousands)	Maturity	Principal value at December 31, 2013		December 31, 2013		December 31, 2012
Short-term borrowings:
Federal funds purchased	—	—		—		160,000
Other short-term borrowings	(1)	5,080		5,080		6,110
Total short-term borrowings				$	5,080	$	166,110
Long-term debt:
5.375% Senior Notes	September 15, 2020	$	350,000	$	348,209	$	347,995
6.05% Subordinated Notes (2)	June 1, 2017	45,964		51,987		54,571
7.0% Junior Subordinated Debentures	October 15, 2033	50,000		55,020		55,196
Total long-term debt				$	455,216	$	457,762

(1) Represents cash collateral received from our counterparty for our interest rate swap agreement related to our 6.05% Subordinated Notes.

(2) At December 31, 2013 and 2012, included in the carrying value of our 6.05% Subordinated Notes were $6 million and $9 million, respectively, related to hedge accounting associated with the notes.

Aggregate Annual Maturities of Long-Term Debt Obligations

The aggregate annual maturities of long-term debt obligations as of December 31, 2013 are as follows:

Year ended December 31, (dollars in thousands):	Amount
2014	$	—
2015	—
2016	—
2017	51,987
2018	—
2019 and thereafter	403,229
Total	$	455,216

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Cash and Cash Equivalents Securities Purchased Under Agreements (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Disclosure Securities Purchased Under Agreements [Abstract]
Average securities purchased under agreements to resell	$ 96,309	$ 131,287
Maximum amount outstanding at any month-end during the year	$ 338,687	$ 266,534

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Premises and Equipment Additional Information (Detail) (USD $) In Millions, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Property, Plant and Equipment [Abstract]
Depreciation and amortization expense	$ 29.1	$ 23.7	$ 17.7
Write-off of assets	$ 1.2

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Cash and Cash Equivalents (Tables)

12 Months Ended

Dec. 31, 2013

Cash and Cash Equivalents [Abstract]

Cash and Cash Equivalents

The following table details our cash and cash equivalents at December 31, 2013 and December 31, 2012:

(Dollars in thousands)	December 31, 2013		December 31, 2012
Cash and due from banks (1)	$	1,349,688	$	752,056
Securities purchased under agreements to resell (2)	172,989		133,357
Other short-term investment securities	16,102		123,570
Total cash and cash equivalents	$	1,538,779	$	1,008,983

(1) At December 31, 2013 and 2012, $715 million and $72 million, respectively, of our cash and due from banks was deposited at the FRB and was earning interest at the Federal Funds target rate, and interest-earning deposits in other financial institutions were $300 million and $283 million, respectively.

(2) At December 31, 2013 and 2012, securities purchased under agreements to resell were collateralized by U.S. Treasury securities and U.S. agency securities with aggregate fair values of $176 million and $136 million, respectively. None of these securities received as collateral were sold or repledged as of December 31, 2013 and 2012.

Securities Purchased Under Agreements to Resell

Additional information regarding our securities purchased under agreements to resell for 2013 and 2012 is as follows:

	Year Ended December 31,
(Dollars in thousands)	2013		2012
Average securities purchased under agreements to resell	$	96,309	$	131,287
Maximum amount outstanding at any month-end during the year	338,687		266,534

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Unaudited Quarterly Financial Data (Tables)

12 Months Ended

Dec. 31, 2013

Quarterly Financial Information Disclosure [Abstract]

Supplemental Consolidated Financial Information

Our supplemental consolidated financial information for each three month period in 2013 and 2012 are as follows:

	Three months ended
(Dollars in thousands, except per share amounts)	March 31,			June 30,			September 30,			December 31,
2013:
Interest income	$	171,014		$	177,983		$	185,240		$	195,384
Interest expense	(7,845		)	(7,902		)	(8,144		)	(8,386		)
Net interest income	163,169			170,081			177,096			186,998
Provision for loan losses	(5,813		)	(18,572		)	(10,638		)	(28,670		)
Noninterest income	78,604			98,239			257,650			238,713
Noninterest expense	(149,014		)	(143,292		)	(160,524		)	(168,850		)
Income before income tax expense	86,946			106,456			263,584			228,191
Income tax expense	26,401			29,968			47,404			35,285
Net income before noncontrolling interests	60,545			76,488			216,180			192,906
Net income attributable to noncontrolling interests	(19,654		)	(27,904		)	(148,559		)	(134,149		)
Net income available to common stockholders	$	40,891		$	48,584		$	67,621		$	58,757
Earnings per common share—basic	$	0.91		$	1.08		$	1.48		$	1.29
Earnings per common share—diluted	0.90			1.06			1.46			1.27
2012:
Interest income	$	158,774		$	159,818		$	161,958		$	168,168
Interest expense	(7,837		)	(7,884		)	(7,528		)	(7,605		)
Net interest income	150,937			151,934			154,430			160,563
Provision for loan losses	(14,529		)	(7,999		)	(6,788		)	(15,014		)
Noninterest income	59,293			80,426			69,139			126,688
Noninterest expense	(132,012		)	(135,766		)	(135,171		)	(143,049		)
Income before income tax expense	63,689			88,595			81,610			129,188
Income tax expense	23,756			31,517			28,470			29,526
Net income before noncontrolling interests	39,933			57,078			53,140			99,662
Net income attributable to noncontrolling interests	(5,143		)	(9,475		)	(10,851		)	(49,241		)
Net income available to common stockholders	$	34,790		$	47,603		$	42,289		$	50,421
Earnings per common share—basic	$	0.79		$	1.08		$	0.95		$	1.13
Earnings per common share—diluted	0.78			1.06			0.94			1.12

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Share-Based Compensation Stock Option Information Related to Equity Incentive Plan (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013
Options
Outstanding, beginning of period	2,060,413
Granted	313,472
Exercised	(796,101)
Forfeited	(62,672)
Expired	(953)
Outstanding, end of period	1,514,159
Vested and expected to vest, end of period	1,468,430
Exercisable, end of period	680,684
Weighted average exercise price
Outstanding, beginning of period	$ 49.15
Granted	$ 71.68
Exercised	$ 45.74
Forfeited	$ 57.18
Expired	$ 51.86
Outstanding, end of period	$ 55.27
Vested and expected to vest, end of period	$ 54.91
Exercisable, end of period	$ 44.50
Weighted Average Remaining Contractual Life in Years
Outstanding, end of period	4 years 3 months 7 days
Vested and expected to vest, end of period	4 years 2 months 23 days
Exercisable, end of period	3 years 4 days
Aggregate Intrinsic Value of In-The-Money Options
Outstanding, end of period	$ 75,092,637
Vested and expected to vest, end of period	73,347,808
Exercisable, end of period	$ 41,087,846

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Other Noninterest Income and Other Noninterest Expense Summary of Other Noninterest Expense (Parenthetical) (Detail) (USD $) In Millions, unless otherwise specified	1 Months Ended
	May 02, 2011
5.70% Senior Notes
Other Noninterest Expense [Line Items]
Repurchases of principal amount of 5.70% Senior Notes and 6.05% Subordinated Notes	$ 109
6.05% Subordinated Notes
Other Noninterest Expense [Line Items]
Repurchases of principal amount of 5.70% Senior Notes and 6.05% Subordinated Notes	$ 204

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Stockholders' Equity and EPS Reclassification of AOCI (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Related tax expense	$ 35,285	$ 47,404	$ 29,968	$ 26,401	$ 29,526	$ 28,470	$ 31,517	$ 23,756	$ (139,058)	$ (113,269)	$ (119,087)
Net income available to common stockholders	58,757	67,621	48,584	40,891	50,421	42,289	47,603	34,790	215,853	175,103	171,902
Accumulated Net Unrealized Investment Gain (Loss) | Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Reclassification adjustment for gains included in net income									(538)	(4,241)	(37,127)
Related tax expense									218	1,661	15,189
Net income available to common stockholders									$ (320)	$ (2,580)	$ (21,938)

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Off-Balance Sheet Arrangements, Guarantees and Other Commitments (Tables)

12 Months Ended

Dec. 31, 2013

Disclosure Off Balance Sheet Arrangements Guarantees And Other Commitments Additional Information [Abstract]

Minimum Future Payments under Noncancelable Operating Leases

The following table presents minimum future payments under noncancelable operating leases as of December 31, 2013:

Year ended December 31, (dollars in thousands) :	Amount
2014	$	16,111
2015	19,809
2016	19,630
2017	18,421
2018	17,550
2019 and thereafter	71,212
Net minimum operating lease payments	$	162,733

Summary Information Related to Commitments to Extend Credit (Excluding Letters of Credit)

The following table summarizes information related to our commitments to extend credit at December 31, 2013 and 2012, respectively:

	December 31,
(Dollars in thousands)	2013		2012
Loan commitments available for funding: (1)
Fixed interest rate commitments	$	1,392,781	$	862,120
Variable interest rate commitments	9,101,973		6,906,580
Total loan commitments available for funding	10,494,754		7,768,700
Commercial and standby letters of credit (2)	975,968		842,091
Total unfunded credit commitments	$	11,470,722	$	8,610,791
Commitments unavailable for funding (3)	$	1,006,168	$	1,315,072
Maximum lending limits for accounts receivable factoring arrangements (4)	894,276		880,057
Reserve for unfunded credit commitments (5)	29,983		22,299

(1) Represents commitments which are available for funding, due to clients meeting all collateral, compliance and financial covenants required under loan commitment agreements.

(2) See below for additional information on our commercial and standby letters of credit.

(3) Represents commitments which are currently unavailable for funding, due to clients failing to meet all collateral, compliance and financial covenants under loan commitment agreements.

(4) We extend credit under accounts receivable factoring arrangements when our clients’ sales invoices are deemed creditworthy under existing underwriting practices.

(5) Our reserve for unfunded credit commitments includes an allowance for both our unfunded loan commitments and our letters of credit.

Summary of Commercial and Standby Letters of Credit

The table below summarizes our commercial and standby letters of credit at December 31, 2013. The maximum potential amount of future payments represents the amount that could be remitted under letters of credit if there were a total default by the guaranteed parties, without consideration of possible recoveries under recourse provisions or from the collateral held or pledged.

(Dollars in thousands)	Expires In One Year or Less		Expires After One Year		Total Amount Outstanding		Maximum Amount of Future  Payments
Financial standby letters of credit	$	845,120	$	52,962	$	898,082	$	898,082
Performance standby letters of credit	58,938		11,190		70,128		70,128
Commercial letters of credit	7,758		—		7,758		7,758
Total	$	911,816	$	64,152	$	975,968	$	975,968

Total Capital Commitments, Unfunded Capital Commitments, and Ownership in Each Fund

The following table details our total capital commitments, unfunded capital commitments, and our ownership percentage in each fund at December 31, 2013:

Our Ownership in Venture Capital/Private Equity Funds  (dollars in thousands)	SVBFG Capital Commitments		SVBFG Unfunded     Commitments		SVBFG Ownership   of each Fund (4)
Silicon Valley BancVentures, LP	$	6,000	$	270	10.7	%
SVB Capital Partners II, LP (1)	1,200		162		5.1
SVB Capital Shanghai Yangpu Venture Capital Fund	949		163		6.8
SVB Strategic Investors Fund, LP	15,300		688		12.6
SVB Strategic Investors Fund II, LP	15,000		1,050		8.6
SVB Strategic Investors Fund III, LP	15,000		1,688		5.9
SVB Strategic Investors Fund IV, LP	12,239		3,060		5.0
Strategic Investors Fund V Funds	515		330		Various
Strategic Investors Fund VI Funds	500		483		0.2
SVB Capital Preferred Return Fund, LP	12,688		—		20.0
SVB Capital—NT Growth Partners, LP	24,670		1,340		33.0
Other private equity fund (2)	9,338		—		58.2
Partners for Growth, LP	25,000		9,750		50.0
Debt funds (equity method accounting)	65,417		4,950		Various
Other fund investments (3)	303,186		47,037		Various
Total	$	507,002	$	70,971

(1) Our ownership includes direct ownership of 1.3 percent and indirect ownership of 3.8 percent through our investment in SVB Strategic Investors Fund II, LP.

(2) Our ownership includes direct ownership of 41.5 percent and indirect ownership interests of 12.6 percent and 4.1 percent in the fund through our ownership interest of SVB Capital - NT Growth Partners, LP and SVB Capital Preferred Return Fund, LP, respectively.

(3) Represents commitments to 293 funds (primarily venture capital funds) where our ownership interest is generally less than 5 percent of the voting interests of each such fund.

(4) We are subject to the Volcker Rule which restricts or limits us from sponsoring or having ownership interests in “covered” funds including venture capital and private equity funds. See “Business - Supervision and Regulation” under Item 1 of Part I of this report.

Remaining Unfunded Commitments to Venture Capital or Private Equity Funds by Consolidated Managed Funds

The following table details the amounts of remaining unfunded commitments to venture capital and private equity funds by our consolidated managed funds of funds (including our interest and the noncontrolling interests) at December 31, 2013:

Limited Partnership  (Dollars in thousands)	Unfunded     Commitments
SVB Strategic Investors Fund, LP	$	2,266
SVB Strategic Investors Fund II, LP	7,251
SVB Strategic Investors Fund III, LP	22,996
SVB Strategic Investors Fund IV, LP	61,526
Strategic Investors Fund V Funds	231,033
Strategic Investors Fund VI Funds	76,906
SVB Capital Preferred Return Fund, LP	10,309
SVB Capital—NT Growth Partners, LP	12,060
Other private equity fund	3,792
Total	$	428,139

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Summary of Significant Accounting Policies

12 Months Ended

Dec. 31, 2013

Accounting Policies [Abstract]

Summary of Significant Accounting Policies

Summary of Significant Accounting Policies

Use of Estimates and Assumptions

The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Estimates may change as new information is obtained. Significant items that are subject to such estimates include measurements of fair value, the valuation of non-marketable and other securities, the valuation of equity warrant assets, the adequacy of the allowance for loan losses and reserve for unfunded credit commitments and the recognition and measurement of income tax assets and liabilities. The following discussion provides additional background on our significant accounting policies.

Principles of Consolidation and Presentation

Our consolidated financial statements include the accounts of SVB Financial Group and entities in which we have a controlling financial interest. We determine whether we have a controlling financial interest in an entity by evaluating whether the entity is a voting interest entity or a variable interest entity and whether the accounting guidance requires consolidation. All significant intercompany accounts and transactions have been eliminated.

Voting interest entities are entities that have sufficient equity and provide the equity investors voting rights that enable them to make significant decisions relating to the entity’s operations. For these types of entities, the Company’s determination of whether it has a controlling interest is based on ownership of the majority of the entities’ voting equity interest or through control of management of the entities.

VIEs are entities that, by design, either (1) lack sufficient equity to permit the entity to finance its activities without additional subordinated financial support from other parties, or (2) have equity investors that do not have the ability to make significant decisions relating to the entity’s operations through voting rights, or do not have the obligation to absorb the expected losses, or do not have the right to receive the residual returns of the entity. We determine whether we have a controlling financial interest in a VIE by considering whether our involvement with the VIE is significant and whether we are the primary beneficiary based on the following:

1. We have the power to direct the activities of the VIE that most significantly impact the entity’s economic performance;

2. The aggregate indirect and direct variable interests held by the Company have the obligation to absorb losses or the right to receive benefits from the entity that could be significant to the VIE; and,

3. Qualitative and quantitative factors regarding the nature, size, and form of our involvement with the VIE.

Voting interest entities in which we have a controlling financial interest or VIEs in which we are the primary beneficiary are consolidated into our financial statements.

We have not provided financial or other support during the periods presented to any VIE that we were not previously contractually required to provide. We are variable interest holders in certain partnerships for which we are the primary beneficiary. We perform on-going reassessments on the status of the entities and whether facts or circumstances have changed in relation to previously evaluated voting interest entities and our involvement in VIEs which could cause our consolidation conclusion to change.

Cash and Cash Equivalents

Cash and cash equivalents consist of cash on hand, cash balances due from banks, interest-earning deposits, Federal Reserve deposits, federal funds sold, securities purchased under agreements to resell and other short-term investment securities. For the consolidated statements of cash flows, we consider cash equivalents to be investments that are readily convertible to known amounts of cash, so near to their maturity that they present an insignificant risk of change in fair value due to changes in market interest rates, and purchased in conjunction with our cash management activities.

Investment Securities

Available-for-Sale Securities

Our available-for-sale securities portfolio is a fixed income investment portfolio that is managed to earn an appropriate portfolio yield over the long-term while maintaining sufficient liquidity and credit diversification as well as addressing our asset/liability management objectives. Unrealized gains and losses on available-for-sale securities, net of applicable taxes, are reported in accumulated other comprehensive income, which is a separate component of SVBFG's stockholders' equity, until realized.

We analyze available-for-sale securities for other-than-temporary impairment each quarter. Market valuations represent the cumulative current fair value of a security at a specified point in time and incorporates the risk of timing of interest due and the return of principal over the contractual life of each security. Gains and losses on securities are realized when there is a sale of the security prior to maturity. A credit downgrade represents an increased level of risk of other-than-temporary impairment, and as a part of our consideration of recording an other-than-temporary impairment we will assess the issuer's ability to service the debt and to repay the principal at contractual maturity.

We apply the other-than-temporary impairment standards of ASC 320, Investments-Debt and Equity Securities. For our debt securities, we have the intent and ability to hold these securities until we recover our cost less any credit-related loss. We separate the amount of the other-than-temporary impairment, if any, into the amount that is credit related (credit loss component) and the amount due to all other factors. The credit loss component is recognized in earnings and is the difference between a security's amortized cost basis and the present value of expected future cash flows discounted at the security's effective interest rate. The amount due to all other factors is recognized in other comprehensive income.

We consider numerous factors in determining whether a credit loss exists and the period over which the debt security is expected to recover. The following list is not meant to be all inclusive. All of the following factors are considered:

• The length of time and the extent to which the fair value has been less than the amortized cost basis (severity and duration);

• Adverse conditions specifically related to the security, an industry, or geographic area; for example, changes in the financial condition of the issuer of the security, or in the case of an asset-backed debt security, changes in the financial condition of the underlying loan obligors. Examples of those changes include any of the following:

◦ Changes in technology;

◦ The discontinuance of a segment of the business that may affect the future earnings potential of the issuer or underlying loan obligors of the security; and

◦ Changes in the quality of the credit enhancement.

• The historical and implied volatility of the fair value of the security;

• The payment structure of the debt security and the likelihood of the issuer being able to make payments that increase in the future;

• Failure of the issuer of the security to make scheduled interest or principal payments;

• Any changes to the rating of the security by a rating agency; and

• Recoveries or additional declines in fair value after the balance sheet date.

In accordance with ASC 310-20, Receivables-Nonrefundable Fees and Other Costs, we use estimates of future principal prepayments, provided by third-party market-data vendors, in addition to actual principal prepayment experience to calculate the constant effective yield necessary to apply the effective interest method in the amortization of purchase discounts or premiums on mortgage-backed securities and fixed rate collateralized mortgage obligations (“CMO”). The discounts or premiums are included in interest income over the contractual terms of the underlying securities replicating the effective interest method.

Non-Marketable and Other Securities

Non-marketable and other securities include investments in venture capital and private equity funds, debt funds, direct equity investments in companies and low income housing tax credit funds. A majority of these investments are managed through our SVB Capital funds business in funds of funds and direct venture funds. Our accounting for investments in non-marketable and other securities depends on several factors, including the level of ownership, power to control and the legal structure of the subsidiary making the investment. As further described below, we base our accounting for such securities on: (i) fair value accounting, (ii) equity method accounting, or (iii) cost method accounting.

Fair Value Accounting

Our managed funds are investment companies under the AICPA Audit and Accounting Guide for Investment Companies and accordingly, these funds report their investments at estimated fair value, with unrealized gains and losses resulting from changes in fair value reflected as investment gains or losses in our consolidated statements of income. Our non-marketable and other securities recorded pursuant to fair value accounting consist of our investments through the following funds:

• Funds of funds; which make investments in venture capital and private equity funds;

• Direct venture funds; which make equity investments in privately held companies.

A summary of our ownership interests in the investments held under fair value accounting as of December 31, 2013 is presented in the following table:

Limited partnership	Company Direct and Indirect Ownership in Limited Partnership
Managed funds of funds
SVB Strategic Investors Fund, LP	12.6	%
SVB Strategic Investors Fund II, LP	8.6
SVB Strategic Investors Fund III, LP	5.9
SVB Strategic Investors Fund IV, LP	5.0
Strategic Investors Fund V Funds	Various
Strategic Investors Fund VI Funds	0.2
SVB Capital Preferred Return Fund, LP	20.0
SVB Capital—NT Growth Partners, LP	33.0
Other private equity fund	58.2
Managed direct venture funds
Silicon Valley BancVentures, LP	10.7
SVB Capital Partners II, LP	5.1
SVB Capital Shanghai Yangpu Venture Capital Fund	6.8

The general partners of these funds are owned and controlled by SVB Financial. The limited partners of these funds do not have substantive participating or kick-out rights. Therefore, these funds are consolidated and any gains or losses resulting from changes in the estimated fair value of the investments are recorded as investment gains or losses in our consolidated net income.

Under fair value accounting, investments are carried at their estimated fair value based on financial information obtained as the general partner of the fund or obtained from the funds' respective general partner. For direct private company investments, valuations are based upon consideration of a range of factors including, but not limited to, the price at which the investment was acquired, the term and nature of the investment, local market conditions, values for comparable securities, current and projected operating performance, exit strategies, and financing transactions subsequent to the acquisition of the investment. For direct equity investments in public companies, valuations are based on quoted market prices less a discount if the securities are subject to certain sales restrictions. Sales restriction discounts generally range from 10% to 20% depending on the duration of the sale restrictions which typically range from 3 to 6 months. For our fund investments, we utilize the net asset value per share as obtained from the general partners of the fund investments as the funds do not have a readily determinable fair value and the funds prepare their financial statements using guidance consistent with fair value accounting. We account for differences between our measurement date and the date of the fund investment's net asset value by using the most recent available financial information from the investee general partner, for example September 30th, for our December 31st consolidated financial statements, adjusted for any contributions paid, distributions received from the investment, and known significant fund transactions or market events about which we are aware through information provided by the fund managers or from publicly available transaction data during the reporting period.

Gains or losses resulting from changes in the estimated fair value of the investments and from distributions received are recorded as gains on investment securities, net, a component of noninterest income. The portion of any investment gains or losses attributable to the limited partners is reflected as net income attributable to noncontrolling interests and adjusts our net income to reflect its percentage ownership.

Equity Method

Our equity method non-marketable securities consist of investments in venture capital and private equity funds, privately-held companies, debt funds, and low income housing tax credit funds. Our equity method non-marketable securities and related accounting policies are described as follows:

• Equity securities, such as preferred or common stock in privately-held companies in which we hold a voting interest of at least 20 percent but less than 50 percent or in which we have the ability to exercise significant influence over the investees' operating and financial policies, are accounted for under the equity method.

• Investments in limited partnerships in which we hold voting interests of more than 5 percent, but less than 50 percent or in which we have the ability to exercise significant influence over the partnerships' operating and financial policies are accounted for using the equity method.

• Our China joint venture partnership, for which we have 50 percent ownership, is accounted for under the equity method.

We recognize our proportionate share of the results of operations of these equity method investees in our results of operations, based on the most current financial information available from the investee. We review our investments accounted for under the equity method at least quarterly for possible other-than-temporary impairment. Our review typically includes an analysis of facts and circumstances for each investment, the expectations of the investment's future cash flows and capital needs, variability of its business and the company's exit strategy. For our fund investments, we utilize the net asset value per share as provided by the general partners of the fund investments. We account for differences between our measurement date and the date of the fund investment's net asset value by using the most recent available financial information from the investee general partner, for example September 30^th, for our December 31^st consolidated financial statements, adjusted for any contributions paid, distributions received from the investment, and known significant fund transactions or market events about which we are aware through information provided by the fund managers or from publicly available transaction data during the reporting period.

We reduce our investment value when we consider declines in value to be other-than-temporary and recognize the estimated loss as a loss on investment securities, a component of noninterest income.

Cost Method

Our cost method non-marketable securities and related accounting policies are described as follows:

• Equity securities, such as preferred or common stock in privately-held companies in which we hold an ownership interest of less than 20 percent and in which we do not have the ability to exercise significant influence over the investees' operating and financial policies, are accounted for under the cost method.

• Investments in limited partnerships in which we hold voting interests of less than 5 percent and in which we do not have the ability to exercise significant influence over the partnerships' operating and financial policies, are accounted for under the cost method. These non-marketable securities include investments in venture capital and private equity funds.

We record these investments at cost and recognize distributions or returns received from net accumulated earnings of the investee since the date of acquisition as income. Our share of net accumulated earnings of the investee after the date of investment are recognized in consolidated net income only to the extent distributed by the investee. Distributions or returns received in excess of accumulated earnings are considered a return of investment and are recorded as reductions in the cost basis of the investment.

We review our investments accounted for under the cost method at least quarterly for possible other-than-temporary impairment. Our review typically includes an analysis of facts and circumstances of each investment, the expectations of the investment's future cash flows and capital needs, variability of its business and the company's exit strategy. To help determine impairment, if any, for our fund investments, we utilize the net asset value per share as provided by the general partners of the fund investments. We account for differences between our measurement date and the date of the fund investment's net asset value by using the most recent available financial information from the investee general partner, for example September 30^th, for our December 31^st consolidated financial statements, adjusted for any contributions paid, distributions received from the investment, and known significant fund transactions or market events about which we are aware through information provided by the fund managers or from publicly available transaction data during the reporting period.

We reduce our investment value when we consider declines in value to be other-than-temporary and recognize the estimated loss as a loss on investment securities, a component of noninterest income.

Gains or losses on cost method investment securities that result from a portfolio company being acquired by a publicly traded company are determined using its fair value when the acquisition occurs. The resulting gains or losses are recognized in consolidated net income on that date.

Loans

Loans are reported at the principal amount outstanding, net of unearned loan fees. Unearned loan fees reflect unamortized deferred loan origination and commitment fees net of unamortized deferred loan origination costs. In addition to cash loan fees, we often obtain equity warrant assets that give us an option to purchase a position in a client company's stock in consideration for providing credit facilities. The grant date fair values of these equity warrant assets are deemed to be loan fees and are deferred as unearned income and recognized as an adjustment of loan yield through loan interest income. The net amount of unearned loan fees is amortized into loan interest income over the contractual terms of the underlying loans and commitments using the constant effective yield method, adjusted for actual loan prepayment experience, or the straight-line method, as applicable.

Allowance for Loan Losses

The allowance for loan losses considers credit risk and is established through a provision for loan losses charged to expense. Our allowance for loan losses is established for estimated loan losses that are probable but not yet realized. Our evaluation process is designed to determine that the allowance for loan losses is appropriate at the balance sheet date. The process of estimating loan losses is inherently imprecise.

We maintain a systematic process for the evaluation of individual loans and pools of loans for inherent risk of loan losses. On a quarterly basis, each loan in our portfolio is assigned a Credit Risk Rating and industry niche. Credit Risk Ratings are assigned on a scale of 1 to 10, with 1 representing loans with a low risk of nonpayment, 9 representing loans with the highest risk of nonpayment, and 10 representing loans which have been charged-off. This Credit Risk Rating process includes, but is not limited to, consideration of such factors as payment status, the financial condition and operating performance of the borrower, borrower compliance with loan covenants, underlying collateral values and performance trends, the degree of access to additional capital, the presence of credit enhancements such as third party guarantees (where applicable), the degree to which the borrower is sensitive to external factors, the depth and experience of the borrower's management team, potential loan concentrations, and general economic conditions. Our policies require a committee of senior management to review, at least quarterly, credit relationships that exceed specific dollar values. Our review process evaluates the appropriateness of the credit risk rating and allocation of the allowance for loan losses, as well as other account management functions. The allowance for loan losses is based on a formula allocation for similarly risk-rated loans by portfolio segment and individually for impaired loans. The formula allocation provides the average loan loss experience for each portfolio segment, which considers our quarterly historical loss experience since the year 2000, both by risk-rating category and client industry sector. The resulting loan loss factors for each risk-rating category and client industry sector are ultimately applied to the respective period-end client loan balances for each corresponding risk-rating category by client industry sector to provide an estimation of the allowance for loan losses. The probable loan loss experience for any one year period of time is reasonably expected to be greater or less than the average as determined by the loss factors. As such, management applies a qualitative allocation to the results of the aforementioned model to ascertain the total allowance for loan losses. This qualitative allocation is based on management's assessment of the risks that may lead to a future loan loss experience different from our historical loan loss experience. Based on management's prediction or estimate of changing risks in the lending environment, the qualitative allocation may vary significantly from period to period and includes, but is not limited to, consideration of the following factors:

• Changes in lending policies and procedures, including underwriting standards and collections, and charge-off and recovery practices;

• Changes in national and local economic business conditions, including the market and economic condition of our clients' industry sectors;

• Changes in the nature of our loan portfolio;

• Changes in experience, ability, and depth of lending management and staff;

• Changes in the trend of the volume and severity of past due and classified loans;

• Changes in the trend of the volume of nonaccrual loans, troubled debt restructurings, and other loan modifications;

• Reserve floor for portfolio segments that would not draw a minimum reserve based on the lack of historical loan loss experience;

• Reserve for large funded loan exposure; and

• Other factors as determined by management from time to time.

While the evaluation process of our allowance for loan losses uses historical and other objective information, the classification of loans and the establishment of the allowance for loan losses rely, to a great extent, on the judgment and experience of our management.

Uncollectible Loans and Write-offs

Our charge-off policy applies to all loans, regardless of portfolio segment. Loans are considered for full or partial charge-offs in the event that principal or interest is over 180 days past due or the loan lacks sufficient collateral and it is not in the process of collection. We also consider writing off loans in the event of any of the following circumstances: 1) the loan, or a portion of the loan is deemed uncollectible due to: a) the borrower's inability to make recurring payments, b) material changes in the borrower's assets, c) the expected sale of all or a portion of the borrower's business, or d) a combination of the foregoing; 2) the loan has been identified for charge-off by regulatory authorities; or 3) the debt is overdue greater than 90 days.

Troubled Debt Restructurings

A TDR arises from the modification of a loan where we have granted a concession to the borrower related to the borrower's financial difficulties that we would not have otherwise considered for economic or legal reasons. These concessions may include: (1) deferral of payment for more than an insignificant period of time; (2) interest rate reductions; (3) extension of the maturity date with interest rate concessions; (4) principal forgiveness; and or (5) reduction of accrued interest.

We use the factors in ASC 310-40, Receivables, Troubled Debt Restructurings by Creditors, to help determine when a borrower is experiencing financial difficulty, and when we have granted a concession, both of which must be present for a restructuring to meet the criteria of a TDR. If we determine that a TDR exists, we measure impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, except that as a practical expedient, we may also measure impairment based on a loan's observable market price, or the fair value of the collateral less selling costs if the loan is a collateral-dependent loan.

Reserve for Unfunded Credit Commitments

We record a liability for probable and estimable losses associated with our unfunded credit commitments being funded and subsequently being charged off. Each quarter, every unfunded client credit commitment is allocated to a credit risk-rating in accordance with each client's credit risk rating. We use the historical loan loss factors described under our allowance for loan losses to calculate the loan loss experience if unfunded credit commitments are funded. Separately, we use historical trends to calculate a probability of an unfunded credit commitment being funded. We apply the loan funding probability factor to risk-factor adjusted unfunded credit commitments by credit risk-rating to derive the reserve for unfunded credit commitments, similar to funded loans. The reserve for unfunded credit commitments also includes certain qualitative allocations as deemed appropriate by our management. We include the reserve for unfunded credit commitments in other liabilities and the related provision in other expenses.

Nonaccrual Loans and Impaired Loans

Loans are placed on nonaccrual status when they become 90 days past due as to principal or interest payments (unless the principal and interest are well secured and in the process of collection); or when we have determined, based upon currently known information, that the timely collection of principal or interest is not probable.

When a loan is placed on nonaccrual status, the accrued interest and fees are reversed against interest income and the loan is accounted for using the cost recovery method thereafter until qualifying for return to accrual status. Historically, loans that have been placed on nonaccrual status have remained as nonaccrual loans until the loan is either charged-off, or the principal balances have been paid off. For a loan to be returned to accrual status, all delinquent principal and interest must become current in accordance with the terms of the loan agreement and future collection of remaining principal and interest must be deemed probable. We apply a cost recovery method in which all cash received is applied to the loan principal until it has been collected. Under this approach, interest income is recognized after total cash flows received exceed the recorded investment at the date of initial impairment.

A loan is considered impaired when, based upon currently known information, it is deemed probable that we will be unable to collect all amounts due according to the terms of the agreement. All of our nonaccrual loans are classified under the impaired category. On a quarterly basis, we review our loan portfolio for impairment. Within each class of loans, we review individual loans for impairment based on credit risk ratings. Loans that have credit risk ratings of 8 or 9 are considered impaired and are reviewed individually.

For each loan identified as impaired, we measure the impairment based upon the present value of expected future cash flows discounted at the loan's effective interest rate. In limited circumstances, we may measure impairment based on the loan's observable market price or the fair value of the collateral less selling costs if the loan is collateral dependent. Impaired collateral dependent loans will have independent appraisals completed and accepted at least annually. The fair value of the collateral will be determined by the most recent appraisal, as adjusted to reflect a reasonable marketing period for the sale of the asset(s) and an estimate of reasonable selling expenses.

If it is determined that the value of an impaired loan is less than the recorded investment in the loan, net of previous charge-offs and payments collected, we recognize impairment through the allowance for loan losses as determined by our analysis.

Standby Letters of Credit

We recognize a liability at the inception of a standby letter of credit equivalent to the premium or the fee received for such guarantee. This fee is recognized in noninterest income over the commitment period using the straight-line method.

Premises and Equipment

Premises and equipment are reported at cost less accumulated depreciation and amortization. Depreciation and amortization are computed using the straight-line method over the estimated useful lives of the assets or the terms of the related leases, whichever is shorter. The maximum estimated useful lives by asset classification are as follows:

Leasehold improvements	Lesser of lease term or asset life
Furniture and equipment	3 years
Computer software	3-7 years
Computer hardware	3-5 years

We capitalize the costs of computer software developed or obtained for internal use, including costs related to developed software, purchased software licenses and certain implementation costs.

For property and equipment that is retired or otherwise disposed of, the cost and related accumulated depreciation are removed from the accounts and the resulting gain or loss is included in noninterest expense in consolidated net income.

Lease Obligations

We lease all of our properties. At the inception of the lease, each property is evaluated to determine whether the lease will be accounted for as an operating or capital lease. For leases that contain rent escalations or landlord incentives, we record the total rent payable during the lease term, using the straight-line method over the term of the lease and record the difference between the minimum rents paid and the straight-line rent as lease obligations. We had no capitalized lease obligations at December 31, 2013 and 2012.

Fair Value Measurements

Our available-for-sale securities, derivative instruments and certain marketable, non-marketable and other securities are financial instruments recorded at fair value on a recurring basis. We make estimates regarding valuation of assets and liabilities measured at fair value in preparing our consolidated financial statements.

Fair Value Measurement-Definition and Hierarchy

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability (the “exit price”) in an orderly transaction between market participants at the measurement date. There is a three-level hierarchy for disclosure of assets and liabilities recorded at fair value. The classification of assets and liabilities within the hierarchy is based on whether the inputs to the valuation methodology used for measurement are observable or unobservable and the significance of those inputs in the fair value measurement. Observable inputs reflect market-derived or market-based information obtained from independent sources, while unobservable inputs reflect our estimates about market data and views of market participants. The three levels for measuring fair value are based on the reliability of inputs and are as follows:

Level 1

Fair value measurements based on quoted prices in active markets for identical assets or liabilities that we have the ability to access. Since valuations are based on quoted prices that are readily and regularly available in an active market, valuation of these instruments does not entail a significant degree of judgment. Assets utilizing Level 1 inputs include exchange-traded equity securities and certain marketable securities accounted for under fair value accounting.

Level 2

Fair value measurements based on quoted prices in markets that are not active or for which all significant inputs are observable, directly or indirectly. Valuations for the available-for-sale securities are provided by third party external pricing service providers. We review the methodologies used to determine the fair value, including understanding the nature and observability of the inputs used to determine the price. Additional corroboration, such as obtaining a non-binding price from a broker, may be obtained depending on the frequency of trades of the security and the level of liquidity or depth of the market. The valuation methodology that is generally used for the Level 2 assets is the income approach. Below is a summary of the significant inputs used for each class of Level 2 assets and liabilities:

U.S. treasury securities: U.S. treasury securities are considered by most investors to be the most liquid fixed income investments available. These securities are priced relative to market prices on similar U.S. treasury securities.

U.S. agency debentures: Fair value measurements of U.S. agency debentures are based on the characteristics specific to bonds held, such as issuer name, issuance date, coupon rate, maturity date and any applicable issuer call option features. Valuations are based on market spreads relative to similar term benchmark market interest rates, generally U.S. treasury securities.

Agency-issued mortgage-backed securities: Agency-issued mortgage-backed securities are pools of individual conventional mortgage loans underwritten to U.S. agency standards with similar coupon rates, tenor, and other attributes such as geographic location, loan size and origination vintage. Fair value measurements of these securities are based on observable price adjustments relative to benchmark market interest rates taking into consideration estimated loan prepayment speeds.

Agency-issued collateralized mortgage obligations: Agency-issued collateralized mortgage obligations are structured into classes or tranches with defined cash flow characteristics and are collateralized by U.S. agency-issued mortgage pass-through securities. Fair value measurements of these securities incorporate similar characteristics of mortgage pass-through securities such as coupon rate, tenor, geographic location, loan size and origination vintage, in addition to incorporating the effect of estimated prepayment speeds on the cash flow structure of the class or tranche. These measurements incorporate observable market spreads over an estimated average life after considering the inputs listed above.

Agency-issued commercial mortgage-backed securities: Fair value measurements of these securities are based on spreads to benchmark market interest rates (usually U.S. treasury rates or rates observable in the swaps market), prepayment speeds, loan default rate assumptions and loan loss severity assumptions on underlying loans.

Municipal bonds and notes: Bonds issued by municipal governments generally have stated coupon rates, final maturity dates and are subject to being called ahead of the final maturity date at the option of the issuer. Fair value measurements of these securities are priced based on spreads to other municipal benchmark bonds with similar characteristics; or, relative to market rates on U.S. treasury bonds of similar maturity.

Interest rate swap assets: Fair value measurements of interest rate swaps are priced considering the coupon rate of the fixed leg of the contract and the variable coupon on the floating leg of the contract. Valuation is based on both spot and forward rates on the swap yield curve and the credit worthiness of the contract counterparty.

Foreign exchange forward and option contract assets and liabilities: Fair value measurements of these assets and liabilities are priced based on spot and forward foreign currency rates and option volatility assumptions and the credit worthiness of the contract counterparty.

Equity warrant assets (public portfolio): Fair value measurements of equity warrant assets of publicly-traded portfolio companies are valued based on the Black-Scholes option pricing model. The model uses the price of publicly-traded companies (underlying stock price), stated strike prices, warrant expiration dates, the risk-free interest rate and market-observable option volatility assumptions.

Level 3

The fair value measurement is derived from valuation techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect our own estimates of assumptions we believe market participants would use in pricing the asset. Below is a summary of the valuation techniques used for each class of Level 3 assets:

Venture capital and private equity fund investments: Fair value measurements are based on the net asset value per share as obtained from the investee funds' management as the funds do not have a readily determinable fair value and the funds prepare their financial statements using guidance consistent with fair value accounting. We account for differences between our measurement date and the date of the fund investment’s net asset value by using the most recent available financial information from the investee general partner, adjusted for any contributions paid, distributions received from the investment, and significant fund transactions or market events during the reporting period.

Other venture capital investments: Fair value measurements are based on consideration of a range of factors including, but not limited to, the price at which the investment was acquired, the term and nature of the investment, local market conditions, values for comparable securities, and as it relates to the private company, the current and projected operating performance, exit strategies, and financing transactions subsequent to the acquisition of the investment. The significant unobservable inputs used in the fair value measurement include the information about each portfolio company, including actual and forecasted results, cash position, recent or planned transactions and market comparable companies. Significant changes to any one of these inputs in isolation could result in a significant change in the fair value measurement, however, we generally consider all factors available through ongoing communication with the portfolio companies and venture capital fund managers to determine whether there are changes to the portfolio company or the environment that indicate a change in the fair value measurement.

Other securities: Fair value measurements of equity securities of public companies are priced based on quoted market prices less a discount if the securities are subject to certain sales restrictions. Certain sales restriction discounts generally range from 10% to 20% depending on the duration of the sale restrictions which typically range from 3 to 6 months.

Equity warrant assets (public portfolio): Fair value measurements of equity warrant assets of publicly-traded portfolio companies are valued based on the Black-Scholes option pricing model. The model uses the price of publicly-traded companies (underlying stock price), stated strike prices, warrant expiration dates, the risk-free interest rate and market-observable option volatility assumptions. Modeled asset values are further adjusted by applying a discount of up to 20% for certain warrants that have certain sales restrictions or other features that indicate a discount to fair value is warranted. As sale restrictions are lifted, discounts are adjusted downward to 0 percent once all restrictions expire or are removed.

Equity warrant assets (private portfolio): Fair value measurements of equity warrant assets of private portfolio companies are priced based on a modified Black-Scholes option pricing model to estimate the asset value by using stated strike prices, option expiration dates, risk-free interest rates and option volatility assumptions. Option volatility assumptions used in the modified Black-Scholes model are based on public market indices whose members operate in similar industries as companies in our private company portfolio. Option expiration dates are modified to account for estimates to actual life relative to stated expiration. Overall model asset values are further adjusted for a general lack of liquidity due to the private nature of the associated underlying company. There is a direct correlation between changes in the volatility and remaining life assumptions in isolation and the fair value measurement while there is an inverse correlation between changes in the liquidity discount assumption and the fair value measurement.

It is our policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements. When available, we use quoted market prices to measure fair value. If market prices are not available, fair value measurement is based upon valuation techniques that use primarily market-based or independently-sourced market parameters, including interest rate yield curves, prepayment speeds, option volatilities and currency rates. Substantially all of our financial instruments use the foregoing methodologies, and are categorized as a Level 1 or Level 2 measurement in the fair value hierarchy. However, in certain cases, when market observable inputs for our valuation techniques may not be readily available, we are required to make judgments about assumptions we believe market participants would use in estimating the fair value of the financial instrument, and based on the significance of those judgments, the measurement may be determined to be a Level 3 fair value measurement.

The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market parameters. For financial instruments that trade actively and have quoted market prices or observable market parameters, there is minimal subjectivity involved in measuring fair value. When observable market prices and parameters are not fully available, management judgment is necessary to estimate fair value. For inactive markets, there is little information, if any, to evaluate if individual transactions are orderly. Accordingly, we are required to estimate, based upon all available facts and circumstances, the degree to which orderly transactions are occurring and provide more weighting to price quotes that are based upon orderly transactions. In addition, changes in the market conditions may reduce the availability of quoted prices or observable data. For example, reduced liquidity in the capital markets or changes in secondary market activities could result in observable market inputs becoming unavailable. Therefore, when market data is not available, we use valuation techniques requiring more management judgment to estimate the appropriate fair value measurement. Accordingly, the degree of judgment exercised by management in determining fair value is greater for financial assets and liabilities categorized as Level 3.

Fee-based Services Revenue Recognition

Letters of Credit and Standby Letters of Credit Fee Income

Fees generated from letters of credit and standby letters of credit are deferred as a component of other liabilities and recognized in noninterest income over the commitment period using the straight-line method, based on the likelihood that the commitment being drawn down will be remote.

Client Investment Fees

Client investment fees include fees earned from Rule 12(b)-1 fees, revenue sharing and from customer transactional based fees. Rule 12(b)-1 fees and revenue sharing are recognized as earned based on client funds that are invested in the period. Transactional based fees are earned and recognized on fixed income and equity securities when the transaction is executed on the clients' behalf.

Foreign Exchange Fees

Foreign exchange fees represent the income differential between purchases and sales of foreign currency on behalf of our clients and are recognized as earned.

Lending Related Fees

Unused commitment fees, minimum finance fees and unused line fees are recognized as earned on a monthly and quarterly basis. Fees that qualify for syndication treatment are recognized at the completion of the syndicated loan deal for which the fees were received.

Other Fee Income

Credit card fees and deposit service charge fee income are recognized as earned on a monthly basis.

Other Service Revenue

Other service revenue primarily includes revenue from valuation services. We recognize revenue when (i) persuasive evidence of an arrangement exists, (ii) we have performed the service, provided we have no other remaining obligations to the customer, (iii) the fee is fixed or determinable and, (iv) collectibility is probable.

Fund Management Fees and Carried Interest

Fund management fees are comprised of fees charged directly to our managed funds of funds and direct venture funds. Fund management fees are based upon the contractual terms of the limited partnership agreements and are recognized as earned over the specified contract period, which is generally equal to the life of the individual fund. Fund management fees are recorded as a component of other noninterest income.

Carried interest is comprised of preferential allocations of profits recognizable when the return on assets of our individual managed funds of funds and direct venture funds exceeds certain performance targets. Carried interest is recorded quarterly based on measuring fund performance to date versus the performance target and is recorded as a component of net income attributable to noncontrolling interests.

Income Taxes

Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carryforwards. Our federal, state and foreign income tax provisions are based upon taxes payable for the current year as well as current year changes in deferred taxes related to temporary differences between the tax basis and financial statement balances of assets and liabilities. Deferred tax assets and liabilities are included in the consolidated financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. We file a consolidated federal income tax return, and consolidated, combined, or separate state income tax returns as appropriate. Our foreign incorporated subsidiaries file tax returns in the applicable foreign jurisdictions. We record interest and penalties related to unrecognized tax benefits in other noninterest expense, a component of consolidated net income.

Share-Based Compensation

For all stock-based awards granted, stock-based compensation expense is amortized on a straight-line basis over the requisite service period, including consideration of vesting conditions and anticipated forfeitures. The fair value of stock options are measured using the Black-Scholes option-pricing model and the fair value for restricted stock awards and restricted stock units are based on the quoted price of our common stock on the date of grant.

Earnings Per Share

Basic earnings per common share is computed using the weighted average number of common stock shares outstanding during the period. Diluted earnings per common share is computed using the weighted average number of common stock shares and potential common shares outstanding during the period. Potential common shares consist of stock options, ESPP shares and restricted stock units. Common stock equivalent shares are excluded from the computation if the effect is antidilutive.

Derivative Financial Instruments

All derivative instruments are recorded on the balance sheet at fair value. The accounting for changes in fair value of a derivative financial instrument depends on whether the derivative financial instrument is designated and qualifies as part of a hedging relationship and, if so, the nature of the hedging activity. Changes in fair value are recognized through earnings for derivatives that do not qualify for hedge accounting treatment, or that have not been designated in a hedging relationship.

Fair Value Hedges

For derivative instruments that are designated and qualify as a fair value hedge, the gain or loss on the hedging instrument is recorded in the statement of income in the same line item as the hedged item and is intended to offset the loss or gain on the hedged item attributable to the hedged risk. Any difference that does arise would be the result of hedge ineffectiveness, and impacts earnings.

Equity Warrant Assets

In connection with negotiated credit facilities and certain other services, we may obtain equity warrant assets giving us the right to acquire stock in primarily private, venture-backed companies in the technology and life science industries. We hold these assets for prospective investment gains. We do not use them to hedge any economic risks nor do we use other derivative instruments to hedge economic risks stemming from equity warrant assets.

We account for equity warrant assets in certain private and public client companies as derivatives when they contain net settlement terms and other qualifying criteria under ASC 815, Derivatives and Hedging. In general, equity warrant assets entitle us to buy a specific number of shares of stock at a specific price within a specific time period. Certain equity warrant assets contain contingent provisions, which adjust the underlying number of shares or purchase price upon the occurrence of certain future events. Our warrant agreements typically contain net share settlement provisions, which permit us to receive at exercise a share count equal to the intrinsic value of the warrant divided by the share price (otherwise known as a “cashless” exercise). These equity warrant assets are recorded at fair value and are classified as derivative assets, a component of other assets, on our consolidated balance sheet at the time they are obtained.

The grant date fair values of equity warrant assets received in connection with the issuance of a credit facility are deemed to be loan fees and recognized as an adjustment of loan yield through loan interest income. Similar to other loan fees, the yield adjustment related to grant date fair value of warrants is recognized over the life of that credit facility.

Any changes in fair value from the grant date fair value of equity warrant assets will be recognized as increases or decreases to other assets on our balance sheet and as net gains or losses on derivative investments, in noninterest income, a component of consolidated net income. When a portfolio company completes an IPO on a publicly reported market or is acquired, we may exercise these equity warrant assets for shares or cash.

In the event of an exercise for shares, the basis or value in the securities is reclassified from other assets to investment securities on the balance sheet on the latter of the exercise date or corporate action date. The shares in public companies are classified as available-for-sale securities (provided they do not have a significant restriction from sale). Changes in fair value of securities designated as available-for-sale, after applicable taxes, are reported in accumulated other comprehensive income, which is a separate component of SVBFG stockholders' equity. The shares in private companies are classified as non-marketable securities. We, typically, account for these securities at cost and only record adjustments to the value at the time of exit or liquidation though gains (losses) on investments securities, net, which is a component of noninterest income.

The fair value of the equity warrant assets portfolio is reviewed quarterly. We value our equity warrant assets using a modified Black-Scholes option pricing model, which incorporates the following significant inputs:

• An underlying asset value, which is estimated based on current information available, including any information regarding subsequent rounds of funding.

• Stated strike price, which can be adjusted for certain warrants upon the occurrence of subsequent funding rounds or other future events.

• Price volatility or the amount of uncertainty or risk about the magnitude of the changes in the warrant price. The volatility assumption is based on historical price volatility of publicly traded companies within indices similar in nature to the underlying client companies issuing the warrant. The actual volatility input is based on the median volatility for an individual public company within an index for the past 16 quarters, from which an average volatility was derived.

• Actual data on cancellations and exercises of our warrants are utilized as the basis for determining the expected remaining life of the warrants in each financial reporting period. Warrants may be exercised in the event of acquisitions, mergers or IPOs, and cancelled due to events such as bankruptcies, restructuring activities or additional financings. These events cause the expected remaining life assumption to be shorter than the contractual term of the warrants.

• The risk-free interest rate is derived from the Treasury yield curve and is calculated based on a weighted average of the risk-free interest rates that correspond closest to the expected remaining life of the warrant.

• Other adjustments, including a marketability discount, are estimated based on management's judgment about the general industry environment.

Loan Conversion Options

In connection with negotiating certain credit facilities, we occasionally extend loan facilities, which have convertible option features. The convertible loans may be converted into a certain number of shares determined by dividing the principal amount of the loan by the applicable conversion price. Because our loan conversion options have underlying and notional values, had no initial net investment and met other qualifying criteria under ASC 815, these assets qualify as derivative instruments. We value our loan conversion options using a modified Black-Scholes option pricing model, which incorporates assumptions about the underlying asset value, volatility, and the risk-free rate. Loan conversion options are recorded at fair value in other assets, while changes in their fair value are recorded through gains on derivative instruments, net, in noninterest income, a component of consolidated net income.

Foreign Exchange Forwards and Foreign Currency Option Contracts

We enter into foreign exchange forward contracts and foreign currency option contracts with clients involved in international activities, either as the purchaser or seller, depending upon the clients' need. We typically also enter into an opposite-way forward or option contract with a correspondent bank to economically hedge client contracts to mitigate the fair value risk to us from fluctuations in currency rates. Settlement, credit, and operational risks remain. We also enter into forward contracts with correspondent banks to economically hedge currency exposure risk related to certain foreign currency denominated loans. These contracts are not designated as hedging instruments and are recorded at fair value in our consolidated balance sheets. Changes in the fair value of these contracts are recognized in consolidated net income under gains (losses) on derivative instruments, net, a component of noninterest income. Period-end gross positive fair values are recorded in other assets and gross negative fair values are recorded in other liabilities.

Impact of Adopting ASU No. 2011-05, Presentation of Comprehensive Income

In June 2011, the FASB issued a new accounting standard, which requires presentation of the components of total comprehensive income in either a single continuous statement of comprehensive income or in two separate but consecutive statements. Regardless of which option is chosen, reclassification adjustments for items that are reclassified from other comprehensive income to net income are required to be shown on the face of the financial statements. In December 2011, the FASB approved a proposed update, which indefinitely defers the requirements of ASU No. 2011-05 to present components of reclassifications of other comprehensive income on the face of the income statement. This new guidance did not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified to net income. The guidance was effective on a retrospective basis for the interim and annual reporting periods beginning after December 15, 2011, and was therefore adopted effective January 1, 2012. This standard only clarified the presentation of comprehensive income and did not affect our financial position, results of operations or stockholders’ equity.

Impact of Adopting ASU No. 2011-11, Disclosures about Offsetting Assets and Liabilities

In December 2011, the FASB issued a new accounting standard, which requires new disclosures surrounding derivative instruments and certain financial instruments that are offset on the statement of financial position, or are eligible for offset subject to a master netting arrangement. This standard was issued concurrent with the IASB’s issuance of a similar standard with the objective of converged disclosure guidance. The guidance is effective on a retrospective basis for the interim and annual reporting periods beginning on or after January 1, 2013, and was therefore adopted in the first quarter of 2013. The standard increased the disclosure requirements for derivative instruments and certain financial instruments that are subject to master netting arrangements, and did not have any impact on our financial position, results of operations or stockholders' equity. See Note 12 - “Derivative Financial Instruments” for further details.

Impact of Adopting ASU No. 2013-02, Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income

In February 2013, the FASB issued a new accounting standard, which requires new disclosures surrounding the effect of reclassifications out of accumulated other comprehensive income. This standard requires entities to provide information about the amounts reclassified out of accumulated other comprehensive income by component and by the respective line items of net income. The guidance was effective on a prospective basis for the interim and annual reporting periods beginning after January 1, 2013, and was therefore adopted in the first quarter of 2013. This standard increased the disclosure requirements for reclassifications out of accumulated other comprehensive income, and did not have any impact on our financial position, results of operations or stockholders’ equity. See our "Interim Consolidated Statements of Income" for more details.

Recent Accounting Pronouncements

In June 2013, the FASB issued Accounting Standards Update (ASU 2013-08, Financial Services - Investment Companies (ASC Topic 946): Amendments to the Scope, Measurement and Disclosure Requirement). This ASU modifies the guidance in ASC 946 for determining whether an entity is an investment company, as well as the measurement and disclosure requirements for investment companies. The ASU does not change current accounting where a noninvestment company parent retains the specialized accounting applied by an investment company subsidiary in consolidation. ASU 2013-08 will be applied prospectively for all periods beginning after December 15, 2013. We do not expect this ASU to have a material effect on our results of operations or financial position.

In January 2014, the FASB issued a new accounting standard (ASU 2014-01, Investments - Equity Method and Joint Ventures (topic 323), Accounting for Investments in Qualified Affordable Housing Projects), which permits entities that invest in qualified affordable housing projects through limited liability entities that are flow-through entities for tax purposes to make an accounting policy election to use proportional amortization method or apply an equity or cost method. If the proportional amortization method is elected, retrospective presentation is required for prior periods. The guidance is effective on a retrospective basis for the interim and annual reporting periods beginning after December 15, 2014, with early adoption available. We are currently assessing the impact of this guidance, however, we do not expect it to have a material impact on our financial position, results of operations or stockholders' equity.

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Segment Reporting - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2013 Segment
Segment Reporting Information [Line Items]
Number of reportable segments	3

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Income Taxes Changes in Unrecognized Tax Benefit (Including Interest and Penalties) (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013
Reconciliation of Unrecognized Tax Benefits [Line Items]
Beginning Balance	$ 444
Additions for tax positions for prior years	170
Reduction for tax positions for prior years	(50)
Lapse of the applicable statute of limitations	(221)
Ending Balance	343
Unrecognized Tax Benefits Before Interest And Penalties [Member]
Reconciliation of Unrecognized Tax Benefits [Line Items]
Beginning Balance	284
Additions for tax positions for prior years	123
Reduction for tax positions for prior years	(10)
Lapse of the applicable statute of limitations	(145)
Ending Balance	252
Interest & Penalties
Reconciliation of Unrecognized Tax Benefits [Line Items]
Beginning Balance	160
Additions for tax positions for prior years	47
Reduction for tax positions for prior years	(40)
Lapse of the applicable statute of limitations	(76)
Ending Balance	$ 91

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Share Based Compensation and Related Benefits (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Share-based compensation expense	$ 25,413	$ 21,861	$ 18,221
Income tax benefit related to share-based compensation expense	(7,989)	(6,011)	(4,833)
Capitalized compensation costs	$ 2,809	$ 2,647	$ 1,466

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Fair Value of Financial Instruments Assets and Liabilities Measured at Fair Value on a Recurring Basis (Parenthetical) (Detail) (Fair Value, Measurements, Recurring, USD $) In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	$ 13,331,120	[1]	$ 12,244,783	[2]
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	5,857	[1]	5,664	[2]
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	1,314,951	[1]	859,141	[2]
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	12,010,312	[1]	11,379,978	[2]
Noncontrolling Interests | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	2,000		1,100
Noncontrolling Interests | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	1,000,000		708,000
Noncontrolling Interests | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets			$ 8,700

[1] Included in Level 1 and Level 3 assets are $2 million and $1 billion, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

[2] Included in Level 1, Level 2, and Level 3 assets are $1 million, $9 million and $708 million, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

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Fair Value of Financial Instruments Summary of Estimated Fair Values of Investments and Remaining Unfunded Commitments for Each Major Category of Investments (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Carrying Amount	$ 1,064,985
Fair Value	1,132,070
Unfunded Commitments	478,920
Non-marketable securities | Fair value accounting | Venture capital and private equity fund investments
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Carrying Amount	862,972	[1]
Fair Value	862,972	[1]
Unfunded Commitments	428,139	[1]
Non-marketable securities | Equity method accounting | Other investments
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Carrying Amount	53,019	[2]
Fair Value	54,544	[2]
Unfunded Commitments	15,436	[2]
Non-marketable securities | Cost method accounting | Venture capital and private equity fund investments
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Carrying Amount	148,994	[3]
Fair Value	214,554	[3]
Unfunded Commitments	$ 35,345	[3]

[1] Venture capital and private equity fund investments within non-marketable and other securities (fair value accounting) include investments made by our managed funds of funds and one of our direct venture funds. These investments represent investments in venture capital and private equity funds that invest primarily in U.S. and global technology and life sciences companies. Included in the fair value and unfunded commitments of fund investments under fair value accounting are $786 million and $422 million, respectively, attributable to noncontrolling interests. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds and any potential extensions of terms of the funds.

[2] Other investments within non-marketable securities (equity method accounting) include investments in debt funds and venture capital and private equity fund investments that invest in or lend money to primarily U.S. and global technology and life sciences companies. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds.

[3] Venture capital and private equity fund investments within non-marketable securities (cost method accounting) include investments in venture capital and private equity fund investments that invest primarily in U.S. and global technology and life sciences companies. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds and any potential extensions of the terms of the funds.

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Derivative Financial Instruments (Tables)

12 Months Ended

Dec. 31, 2013

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Total Notional or Contractual Amounts, Fair Value, Collateral and Net Exposure of Derivative Financial Instruments

The total notional or contractual amounts, fair value, collateral and net exposure of our derivative financial instruments at December 31, 2013 and 2012 were as follows:

		December 31, 2013										December 31, 2012
(Dollars in thousands)	Balance Sheet Location	Notional or Contractual Amount		Fair Value			Collateral (1)		Net Exposure (2)			Notional or Contractual Amount		Fair Value			Collateral (1)		Net Exposure (2)
Derivatives designated as hedging instruments:
Interest rate risks:
Interest rate swaps	Other assets	$	45,964	$	6,492		$	5,080	$	1,412		$	45,964	$	9,005		$	6,110	$	2,895
Derivatives not designated as hedging instruments:
Currency exchange risks:
Foreign exchange forwards	Other assets	140,760		1,423			—		1,423			51,010		488			—		488
Foreign exchange forwards	Other liabilities	62,649		(634		)	—		(634		)	102,956		(1,728		)	—		(1,728		)
Net exposure				789			—		789					(1,240		)	—		(1,240		)
Other derivative instruments:
Equity warrant assets	Other assets	179,934		103,513			—		103,513			164,332		74,272			—		74,272
Other derivatives:
Client foreign exchange forwards	Other assets	424,983		13,673			—		13,673			385,470		11,864			—		11,864
Client foreign exchange forwards	Other liabilities	367,079		(11,549		)	—		(11,549		)	356,026		(9,930		)	—		(9,930		)
Client foreign currency options	Other assets	91,854		434			—		434			132,237		1,189			—		1,189
Client foreign currency options	Other liabilities	91,854		(434		)	—		(434		)	132,237		(1,189		)	—		(1,189		)
Loan conversion options	Other assets	3,455		314			—		314			9,782		890			—		890
Client interest rate derivatives	Other assets	216,773		1,265			—		1,265			144,950		558			—		558
Client interest rate derivatives	Other liabilities	216,773		(1,396		)	—		(1,396		)	144,950		(590		)	—		(590		)
Net exposure				2,307			—		2,307					2,792			—		2,792
Net				$	113,101		$	5,080	$	108,021				$	84,829		$	6,110	$	78,719

(1) Cash collateral received from our counterparty for our interest rate swap agreement is recorded as a component of “short-term borrowings” on our consolidated balance sheets.

(2) Net exposure for contracts in a gain position reflects the replacement cost in the event of nonperformance by all such counterparties. The credit ratings of our institutional counterparties as of December 31, 2013 remain at investment grade or higher and there were no material changes in their credit ratings for the year ended December 31, 2013

Summary of Derivative Activity and Related Impact on Consolidated Statements of Income

A summary of our derivative activity and the related impact on our consolidated statements of income for 2013, 2012 and 2011 is as follows:

		Year ended December 31,
(Dollars in thousands)	Statement of income location	2013			2012			2011
Derivatives designated as hedging instruments:
Interest rate risks:
Net cash benefit associated with interest rate swaps	Interest expense—borrowings	$	2,536		$	5,154		$	14,486
Changes in fair value of interest rate swaps	Net gains on derivative instruments	14			603			(470		)
Net gains associated with interest rate risk derivatives		$	2,550		$	5,757		$	14,016
Derivatives not designated as hedging instruments:
Currency exchange risks:
Gains (losses) on revaluations of foreign currency instruments	Other noninterest income	$	3,016		$	1,677		$	(2,096	)
(Losses) gains on internal foreign exchange forward contracts, net	Net gains on derivative instruments	(4,213		)	(103		)	1,973
Net (losses) gains associated with currency risk		$	(1,197	)	$	1,574		$	(123	)
Other derivative instruments:
Net gains on equity warrant assets	Net gains on derivative instruments	$	46,101		$	19,385		$	37,439
(Losses) gains on client foreign exchange forward contracts, net	Net gains on derivative instruments	$	(452	)	$	460		$	376
Net gains (losses) on other derivatives (1)	Net gains on derivative instruments	$	734		$	(1,666	)	$	(2,520	)

(1) Primarily represents the change in fair value of loan conversion options.

Offsetting Assets

The following table summarizes our assets subject to enforceable master netting arrangements as of December 31, 2013 and 2012:

								Gross Amounts Not Offset in the Statement of Financial Position But Subject to Master Netting Arrangements
(Dollars in thousands)	Gross Amounts of Recognized Assets		Gross Amounts offset in the Statement of Financial Position			Net Amounts of Assets Presented in the Statement of Financial Position		Financial Instruments			Cash Collateral Received			Net Amount
December 31, 2013
Derivative Assets:
Interest rate swaps	$	6,492	$	—		$	6,492	$	(1,412	)	$	(5,080	)	$	—
Foreign exchange forwards	15,096		—			15,096		(6,735		)	—			8,361
Foreign currency options	504		(70		)	434		(155		)	—			279
Client interest rate derivatives	1,265		—			1,265		(256		)	—			1,009
Total derivative assets:	23,357		(70		)	23,287		(8,558		)	(5,080		)	9,649
Reverse repurchase, securities borrowing, and similar arrangements	172,989		—			172,989		(172,989		)	—			—
Total	$	196,346	$	(70	)	$	196,276	$	(181,547	)	$	(5,080	)	$	9,649
December 31, 2012
Derivative Assets:
Interest rate swaps	$	9,005	$	—		$	9,005	$	(2,895	)	$	(6,110	)	$	—
Foreign exchange forwards	12,352		—			12,352		(7,363		)	—			4,989
Foreign currency options	1,411		(222		)	1,189		(556		)	—			633
Client interest rate derivatives	558		—			558		(24		)	—			534
Total derivative assets:	23,326		(222		)	23,104		(10,838		)	(6,110		)	6,156
Reverse repurchase, securities borrowing, and similar arrangements	133,357		—			133,357		(133,357		)	—			—
Total	$	156,683	$	(222	)	$	156,461	$	(144,195	)	$	(6,110	)	$	6,156

Offsetting Liabilities

The following table summarizes our liabilities subject to enforceable master netting arrangements as of December 31, 2013 and 2012:

								Gross Amounts Not Offset in the Statement of Financial Position But Subject to Master Netting Arrangements
(Dollars in thousands)	Gross Amounts of Recognized Liabilities		Gross Amounts offset in the Statement of Financial Position			Net Amounts of Liabilities Presented in the Statement of Financial Position		Financial Instruments			Cash Collateral Pledged		Net Amount
December 31, 2013
Derivative Liabilities:
Foreign exchange forwards	$	12,183	$	—		$	12,183	$	(8,282	)	$	—	$	3,901
Foreign currency options	504		(70		)	434		(279		)	—		155
Client interest rate derivatives	1,396		—			1,396		(1,087		)	—		309
Total derivative liabilities:	14,083		(70		)	14,013		(9,648		)	—		4,365
Repurchase, securities lending, and similar arrangements	—		—			—		—			—		—
Total	$	14,083	$	(70	)	$	14,013	$	(9,648	)	$	—	$	4,365
December 31, 2012
Derivative Liabilities:
Foreign exchange forwards	$	11,658	$	—		$	11,658	$	(5,720	)	$	—	$	5,938
Foreign currency options	1,411		(222		)	1,189		(633		)	—		556
Client interest rate derivatives	590		—			590		(567		)	—		23
Total derivative assets:	13,659		(222		)	13,437		(6,920		)	—		6,517
Repurchase, securities lending, and similar arrangements	—		—			—		—			—		—
Total	$	13,659	$	(222	)	$	13,437	$	(6,920	)	$	—	$	6,517

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Unaudited Quarterly Financial Data

12 Months Ended

Dec. 31, 2013

Quarterly Financial Information Disclosure [Abstract]

Unaudited Quarterly Financial Data

Unaudited Quarterly Financial Data

Our supplemental consolidated financial information for each three month period in 2013 and 2012 are as follows:

	Three months ended
(Dollars in thousands, except per share amounts)	March 31,			June 30,			September 30,			December 31,
2013:
Interest income	$	171,014		$	177,983		$	185,240		$	195,384
Interest expense	(7,845		)	(7,902		)	(8,144		)	(8,386		)
Net interest income	163,169			170,081			177,096			186,998
Provision for loan losses	(5,813		)	(18,572		)	(10,638		)	(28,670		)
Noninterest income	78,604			98,239			257,650			238,713
Noninterest expense	(149,014		)	(143,292		)	(160,524		)	(168,850		)
Income before income tax expense	86,946			106,456			263,584			228,191
Income tax expense	26,401			29,968			47,404			35,285
Net income before noncontrolling interests	60,545			76,488			216,180			192,906
Net income attributable to noncontrolling interests	(19,654		)	(27,904		)	(148,559		)	(134,149		)
Net income available to common stockholders	$	40,891		$	48,584		$	67,621		$	58,757
Earnings per common share—basic	$	0.91		$	1.08		$	1.48		$	1.29
Earnings per common share—diluted	0.90			1.06			1.46			1.27
2012:
Interest income	$	158,774		$	159,818		$	161,958		$	168,168
Interest expense	(7,837		)	(7,884		)	(7,528		)	(7,605		)
Net interest income	150,937			151,934			154,430			160,563
Provision for loan losses	(14,529		)	(7,999		)	(6,788		)	(15,014		)
Noninterest income	59,293			80,426			69,139			126,688
Noninterest expense	(132,012		)	(135,766		)	(135,171		)	(143,049		)
Income before income tax expense	63,689			88,595			81,610			129,188
Income tax expense	23,756			31,517			28,470			29,526
Net income before noncontrolling interests	39,933			57,078			53,140			99,662
Net income attributable to noncontrolling interests	(5,143		)	(9,475		)	(10,851		)	(49,241		)
Net income available to common stockholders	$	34,790		$	47,603		$	42,289		$	50,421
Earnings per common share—basic	$	0.79		$	1.08		$	0.95		$	1.13
Earnings per common share—diluted	0.78			1.06			0.94			1.12

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Parent Company Only Condensed Financial Information

12 Months Ended

Dec. 31, 2013

Condensed Financial Information of Parent Company Only Disclosure [Abstract]

Parent Company Only Condensed Financial Information

Parent Company Only Condensed Financial Information

The condensed balance sheets of SVB Financial at December 31, 2013 and 2012, and the related condensed statements of income, comprehensive income and cash flows for 2013, 2012 and 2011, are presented below.

Condensed Balance Sheets

	December 31,
(Dollars in thousands)	2013		2012
Assets:
Cash and cash equivalents	$	218,148	$	169,067
Investment securities	234,398		252,858
Net loans	4,791		8,869
Other assets	136,897		116,596
Investment in subsidiaries:
Bank subsidiary	1,639,024		1,592,987
Nonbank subsidiaries	160,271		115,427
Total assets	$	2,393,529	$	2,255,804
Liabilities and SVBFG stockholders’ equity:
5.375% Senior Notes	$	348,209	$	347,995
7.0% Junior Subordinated Debentures	55,020		55,196
Other liabilities	24,030		22,058
Total liabilities	427,259		425,249
SVBFG stockholders’ equity	1,966,270		1,830,555
Total liabilities and SVBFG stockholders’ equity	$	2,393,529	$	2,255,804

Condensed Statements of Income

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Interest income	$	3,545		$	3,282		$	2,819
Interest expense	(24,408		)	(23,037		)	(27,252		)
Dividend income from bank subsidiary	10,000			—			—
Gains on derivative instruments, net	47,421			17,289			34,654
Gains on investment securities, net	15,238			15,329			16,432
General and administrative expenses	(54,389		)	(66,812		)	(71,355		)
Income tax (expense) benefit	(15,824		)	12,200			7,468
Loss before net income of subsidiaries	(18,417		)	(41,749		)	(37,234		)
Equity in undistributed net income of nonbank subsidiaries	58,075			21,457			20,013
Equity in undistributed net income of bank subsidiary	176,195			195,395			189,123
Net income available to common stockholders	$	215,853		$	175,103		$	171,902

Condensed Statements of Comprehensive Income

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Net income available to common stockholders	$	215,853		$	175,103		$	171,902
Other comprehensive (loss) income, net of tax:
Foreign currency translation losses	(3,128		)	(114		)	(4,929		)
Unrealized holding (losses) gains on securities available for sale	(1,449		)	2,074			(319		)
Equity in other comprehensive (loss) income of subsidiaries	(152,740		)	21,194			66,504
Other comprehensive (loss) income, net of tax	(157,317		)	23,154			61,256
Total comprehensive income	$	58,536		$	198,257		$	233,158

Condensed Statements of Cash Flows

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Cash flows from operating activities:
Net income attributable to SVBFG	$	215,853		$	175,103		$	171,902
Adjustments to reconcile net income to net cash used for operating activities:
Gains on derivative instruments, net	(47,421		)	(17,289		)	(34,654		)
Gains on investment securities, net	(15,238		)	(15,329		)	(16,432		)
Net income of bank subsidiary	(186,195		)	(195,395		)	(189,123		)
Net income on nonbank subsidiaries	(58,075		)	(21,457		)	(20,013		)
Cash dividends from bank subsidiary	10,000			—			—
Amortization of share-based compensation	25,413			21,861			18,221
(Increase) decrease in other assets	(11,901		)	5,463			21,926
Increase in other liabilities	1,506			3,952			2,936
Other, net	(1,269		)	2,273			2,510
Net cash used for operating activities	(67,327		)	(40,818		)	(42,727		)
Cash flows from investing activities:
Net decrease (increase) in investment securities from purchases, sales and maturities	70,479			11,833			(22,821		)
Net decrease (increase) in loans	4,078			2,034			(4,211		)
(Increase) decrease in investment in bank subsidiary	(21,469		)	12,180			(12,592		)
Decrease (increase) in investment in nonbank subsidiaries	9,925			13,012			(3,161		)
Net cash provided by (used for) investing activities	63,013			39,059			(42,785		)
Cash flows from financing activities:
Principal payments of other long-term debt	—			(1,222		)	(4,179		)
Payments for settlement of 3.875% Convertible Notes	—			—			(250,000		)
Tax benefit from stock exercises	6,826			5,581			6,342
Proceeds from issuance of common stock and ESPP	46,569			29,282			36,873
Net cash provided by (used for) financing activities	53,395			33,641			(210,964		)
Net increase (decrease) in cash and cash equivalents	49,081			31,882			(296,476		)
Cash and cash equivalents at beginning of year	169,067			137,185			433,661
Cash and cash equivalents at end of year	$	218,148		$	169,067		$	137,185

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Short-Term Borrowings and Long-Term Debt Outstanding Short Term Borrowings and Long Term Debt (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012		Sep. 30, 2010
Debt Outstanding [Line Items]
Short-term borrowings	$ 5,080		$ 166,110
Total long-term debt	455,216		457,762
Federal Funds Purchased
Debt Outstanding [Line Items]
Principal value	0
Short-term borrowings	0		160,000
Other short-term borrowings
Debt Outstanding [Line Items]
Principal value	5,080	[1]
Short-term borrowings	5,080	[1]	6,110	[1]
5.375% Senior Notes
Debt Outstanding [Line Items]
Maturity	Sep. 15, 2020		Sep. 15, 2020
Principal value	350,000				350,000
Senior Notes	348,209		347,995
6.05% Subordinated Notes
Debt Outstanding [Line Items]
Maturity	Jun. 01, 2017
Principal value	45,964	[2]
Subordinated Notes	51,987	[2]	54,571	[2]
7.0% Junior Subordinated Debentures
Debt Outstanding [Line Items]
Maturity	Oct. 15, 2033		Oct. 15, 2033
Principal value	50,000
Junior Subordinated Debentures	$ 55,020		$ 55,196

[1] Represents cash collateral received from our counterparty for our interest rate swap agreement related to our 6.05% Subordinated Notes.

[2] At December 31, 2013 and 2012, included in the carrying value of our 6.05% Subordinated Notes were $6 million and $9 million, respectively, related to hedge accounting associated with the notes.

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Summary of Significant Accounting Policies Additional Information (Detail)	12 Months Ended
	Dec. 31, 2013
Lower Limit
Significant Accounting Policies [Line Items]
Marketability Discount	10.00%
Duration of the sale restrictions	3 months
Upper Limit
Significant Accounting Policies [Line Items]
Marketability Discount	20.00%
Duration of the sale restrictions	6 months
Investments in limited partnerships | Lower Limit
Significant Accounting Policies [Line Items]
Percentage of voting interest held by the company for investments accounted for under the equity method	5.00%
Investments in limited partnerships | Upper Limit
Significant Accounting Policies [Line Items]
Percentage of voting interest held by the company for investments accounted for under the equity method	50.00%
Percentage of ownership interest held by the company for investments accounted for under the cost method	5.00%
Privately Held Companies | Lower Limit
Significant Accounting Policies [Line Items]
Percentage of voting interest held by the company for investments accounted for under the equity method	20.00%
Privately Held Companies | Upper Limit
Significant Accounting Policies [Line Items]
Percentage of voting interest held by the company for investments accounted for under the equity method	50.00%
Percentage of ownership interest held by the company for investments accounted for under the cost method	20.00%

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Other Noninterest Income and Other Noninterest Expense (Tables)

12 Months Ended

Dec. 31, 2013

Other Income and Expenses [Abstract]

Summary of Other Noninterest Income

A summary of other noninterest income for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012			2011
Fund management fees	$	11,163	$	11,057		$	10,730
Service-based fee income	7,807		7,937			9,717
Gains (losses) on revaluation of foreign currency instruments (1)	3,016		1,677			(2,096		)
Currency revaluation gains (losses) (2)	93		(16		)	(4,275		)
Net gains on the sale of certain assets related to our equity management services business	—		4,243			—
Other (3)	14,060		11,465			7,154
Total other noninterest income	$	36,139	$	36,363		$	21,230

(1) Represents the revaluation of foreign currency denominated financial instruments issued and held by us, primarily loans, deposits and cash.

(2) Includes the revaluation of foreign currency denominated financial statements of certain funds. Included in these amounts are gains of $87 thousand, gains of $27 thousand and losses of $2.9 million in 2013, 2012 and 2011, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

(3) Includes dividends on FHLB/FRB stock, correspondent bank rebate income and other fee income.

Summary of Other Noninterest Expense

A summary of other noninterest expense for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Client services	$	8,181	$	6,910	$	4,594
Data processing services	7,895		5,876		4,811
Tax credit fund amortization	6,436		3,911		4,474
Telephone	6,258		6,528		5,835
Postage and supplies	2,462		2,482		2,162
Dues and publications	1,745		2,067		1,570
Net gain from note repurchases and termination of corresponding interest rate swaps (1)	—		—		(3,123		)
Other	8,950		8,188		10,499
Total other noninterest expense	$	41,927	$	35,962	$	30,822

(1) Represents gains from the repurchase of $109 million of our 5.70% Senior Notes and $204 million of our 6.05% Subordinated Notes and the termination of the corresponding portions of interest rate swaps in 2011. For more information, see Note 11–"Short-Term Borrowings and Long-Term Debt."

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Legal Matters

12 Months Ended

Dec. 31, 2013

Commitments and Contingencies Disclosure [Abstract]

Legal Matters

Legal Matters

Certain lawsuits and claims arising in the ordinary course of business have been filed or are pending against us or our affiliates. In accordance with applicable accounting guidance, we establish accruals for all lawsuits, claims and expected settlements when we believe it is probable that a loss has been incurred and the amount of the loss is reasonably estimable. When a loss contingency is not both probable and estimable, we do not establish an accrual. Any such loss estimates are inherently uncertain, based on currently available information and are subject to management’s judgment and various assumptions. Due to the inherent subjectivity of these estimates and unpredictability of outcomes of legal proceedings, any amounts accrued may not represent the ultimate resolution of such matters.

To the extent we believe any potential loss relating to such lawsuits and claims may have a material impact on our liquidity, consolidated financial position, results of operations, and/or our business as a whole and is reasonably possible but not probable, we disclose information relating to any such potential loss, whether in excess of any established accruals or where there is no established accrual. We also disclose information relating to any material potential loss that is probable but not reasonably estimable. Where reasonably practicable, we will provide an estimate of loss or range of potential loss. No disclosures are generally made for any loss contingencies that are deemed to be remote.

Based upon information available to us, our review of lawsuits and claims filed or pending against us to date and consultation with our outside legal counsel, we have not recognized a material accrual liability for these matters, nor do we currently expect it is reasonably possible that these matters will result in a material liability to the Company. However, the outcome of litigation and other legal and regulatory matters is inherently uncertain, and it is possible that one or more of such matters currently pending or threatened could have an unanticipated material adverse effect on our liquidity, consolidated financial position, results of operations, and/or our business as a whole, in the future.

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Subsequent Events

12 Months Ended

Dec. 31, 2013

Subsequent Events [Abstract]

Subsequent Events

Subsequent Events

Update on Securities and Warrant Valuations for the First Quarter of 2014

As previously noted in prior disclosures, SVB and certain equity investment funds managed by SVB Capital, our funds management business, hold warrants as well as direct and indirect investments in FireEye. Since our valuation of those investments as of December 31, 2013, the stock price of FireEye has significantly increased to a closing price of $80.00 as of February 25, 2014 compared to its closing price of $43.61 at December 31, 2013.  Based on this incremental increase in stock price thus far during the first quarter of 2014, and certain sales restrictions, if any, in place at March 31, 2014, we would expect to include in our financial results for the first quarter of 2014 total combined pre-tax gains net of noncontrolling interests from our equity warrant assets and our investment securities of approximately $53 million to $63 million. This is comprised of gains from our equity warrant assets of approximately $13 million and gains net of noncontrolling interests from our investment securities of approximately $40 million to $50 million (total gross gains, including noncontrolling interests, would be approximately $200 million to $250 million) for the first quarter of 2014. (This is a non-GAAP financial measure. See reconciliation below.)

Any actual investment gains (or losses) that we would record for the first quarter of 2014 are subject to FireEye’s stock price specifically as of March 31, 2014, which is subject to market conditions and other factors.  Given that it is still early in the first quarter, FireEye’s valuation and its estimated impact on our first quarter 2014 financial results, are subject to change, and actual results may differ. Additionally, these gains are currently unrealized gains, and the extent to which such gains will become realized is subject to a variety of factors, including among other things, the expiration of current lock-up agreements to which the securities are subject, the timing of any actual sales of the securities by us, changes in the valuation of the securities, and market conditions.

The table below sets forth a reconciliation of the non-GAAP financial measure discussed above:

	February 25, 2014
Non-GAAP gains on certain other securities, net of noncontrolling interests (dollars in millions)	With sales restrictions discount		Without sales restrictions discount
GAAP gains on certain other securities	$	200	$	250
Less: income attributable to noncontrolling interests, including carried interest	160		200
Non-GAAP gains on certain other securities, net of controlling interests	$	40	$	50

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Nature of Business

12 Months Ended

Dec. 31, 2013

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Nature of Business

Nature of Business

SVB Financial Group is a diversified financial services company, as well as a bank holding company and a financial holding company. SVB Financial was incorporated in the state of Delaware in March 1999. Through our various subsidiaries and divisions, we offer a variety of banking and financial products and services to support our clients of all sizes and stages throughout their life cycles. In these notes to our consolidated financial statements, when we refer to “SVB Financial Group,” “SVBFG”, the “Company,” “we,” “our,” “us” or use similar words, we mean SVB Financial Group and all of its subsidiaries collectively, including Silicon Valley Bank (the “Bank”), unless the context requires otherwise. When we refer to “SVB Financial” or the “Parent” we are referring only to the parent company, SVB Financial Group, unless the context requires otherwise.

We offer commercial banking products and services through our principal subsidiary, the Bank, which is a California-chartered bank founded in 1983 and a member of the Federal Reserve System. Through its subsidiaries, the Bank also offers investment advisory, asset management, private wealth management and brokerage services. We also offer non-banking products and services, such as funds management, venture capital/private equity investment and business valuation services, through our other subsidiaries and divisions. We primarily focus on serving corporate clients in the following niches: technology, life sciences, venture capital/private equity and premium wine. Our corporate clients range widely in terms of size and stage of maturity. Additionally, we focus on cultivating strong relationships with firms within the venture capital and private equity community worldwide, many of which are also our clients and may invest in our corporate clients.

We are headquartered in Santa Clara, California, and operate through 28 offices in the United States, as well as offices internationally in China, Hong Kong, India, Israel and the United Kingdom.

For reporting purposes, SVB Financial Group has three operating segments for which we report financial information in this report: Global Commercial Bank, SVB Private Bank, and SVB Capital. Financial information, results of operations and a description of the services provided by our operating segments are set forth in Note 20-“Segment Reporting” in this report.

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Summary of Significant Accounting Policies (Policies)

12 Months Ended

Dec. 31, 2013

Accounting Policies [Abstract]

Use of Estimates and Assumptions

Use of Estimates and Assumptions

The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Estimates may change as new information is obtained. Significant items that are subject to such estimates include measurements of fair value, the valuation of non-marketable and other securities, the valuation of equity warrant assets, the adequacy of the allowance for loan losses and reserve for unfunded credit commitments and the recognition and measurement of income tax assets and liabilities. The following discussion provides additional background on our significant accounting policies.

Principles of Consolidation and Presentation

Principles of Consolidation and Presentation

Our consolidated financial statements include the accounts of SVB Financial Group and entities in which we have a controlling financial interest. We determine whether we have a controlling financial interest in an entity by evaluating whether the entity is a voting interest entity or a variable interest entity and whether the accounting guidance requires consolidation. All significant intercompany accounts and transactions have been eliminated.

Voting interest entities are entities that have sufficient equity and provide the equity investors voting rights that enable them to make significant decisions relating to the entity’s operations. For these types of entities, the Company’s determination of whether it has a controlling interest is based on ownership of the majority of the entities’ voting equity interest or through control of management of the entities.

VIEs are entities that, by design, either (1) lack sufficient equity to permit the entity to finance its activities without additional subordinated financial support from other parties, or (2) have equity investors that do not have the ability to make significant decisions relating to the entity’s operations through voting rights, or do not have the obligation to absorb the expected losses, or do not have the right to receive the residual returns of the entity. We determine whether we have a controlling financial interest in a VIE by considering whether our involvement with the VIE is significant and whether we are the primary beneficiary based on the following:

1. We have the power to direct the activities of the VIE that most significantly impact the entity’s economic performance;

2. The aggregate indirect and direct variable interests held by the Company have the obligation to absorb losses or the right to receive benefits from the entity that could be significant to the VIE; and,

3. Qualitative and quantitative factors regarding the nature, size, and form of our involvement with the VIE.

Voting interest entities in which we have a controlling financial interest or VIEs in which we are the primary beneficiary are consolidated into our financial statements.

We have not provided financial or other support during the periods presented to any VIE that we were not previously contractually required to provide. We are variable interest holders in certain partnerships for which we are the primary beneficiary. We perform on-going reassessments on the status of the entities and whether facts or circumstances have changed in relation to previously evaluated voting interest entities and our involvement in VIEs which could cause our consolidation conclusion to change.

Cash and Cash Equivalents

Cash and Cash Equivalents

Cash and cash equivalents consist of cash on hand, cash balances due from banks, interest-earning deposits, Federal Reserve deposits, federal funds sold, securities purchased under agreements to resell and other short-term investment securities. For the consolidated statements of cash flows, we consider cash equivalents to be investments that are readily convertible to known amounts of cash, so near to their maturity that they present an insignificant risk of change in fair value due to changes in market interest rates, and purchased in conjunction with our cash management activities.

Available-for-Sale Securities

Available-for-Sale Securities

Our available-for-sale securities portfolio is a fixed income investment portfolio that is managed to earn an appropriate portfolio yield over the long-term while maintaining sufficient liquidity and credit diversification as well as addressing our asset/liability management objectives. Unrealized gains and losses on available-for-sale securities, net of applicable taxes, are reported in accumulated other comprehensive income, which is a separate component of SVBFG's stockholders' equity, until realized.

We analyze available-for-sale securities for other-than-temporary impairment each quarter. Market valuations represent the cumulative current fair value of a security at a specified point in time and incorporates the risk of timing of interest due and the return of principal over the contractual life of each security. Gains and losses on securities are realized when there is a sale of the security prior to maturity. A credit downgrade represents an increased level of risk of other-than-temporary impairment, and as a part of our consideration of recording an other-than-temporary impairment we will assess the issuer's ability to service the debt and to repay the principal at contractual maturity.

We apply the other-than-temporary impairment standards of ASC 320, Investments-Debt and Equity Securities. For our debt securities, we have the intent and ability to hold these securities until we recover our cost less any credit-related loss. We separate the amount of the other-than-temporary impairment, if any, into the amount that is credit related (credit loss component) and the amount due to all other factors. The credit loss component is recognized in earnings and is the difference between a security's amortized cost basis and the present value of expected future cash flows discounted at the security's effective interest rate. The amount due to all other factors is recognized in other comprehensive income.

We consider numerous factors in determining whether a credit loss exists and the period over which the debt security is expected to recover. The following list is not meant to be all inclusive. All of the following factors are considered:

• The length of time and the extent to which the fair value has been less than the amortized cost basis (severity and duration);

• Adverse conditions specifically related to the security, an industry, or geographic area; for example, changes in the financial condition of the issuer of the security, or in the case of an asset-backed debt security, changes in the financial condition of the underlying loan obligors. Examples of those changes include any of the following:

◦ Changes in technology;

◦ The discontinuance of a segment of the business that may affect the future earnings potential of the issuer or underlying loan obligors of the security; and

◦ Changes in the quality of the credit enhancement.

• The historical and implied volatility of the fair value of the security;

• The payment structure of the debt security and the likelihood of the issuer being able to make payments that increase in the future;

• Failure of the issuer of the security to make scheduled interest or principal payments;

• Any changes to the rating of the security by a rating agency; and

• Recoveries or additional declines in fair value after the balance sheet date.

In accordance with ASC 310-20, Receivables-Nonrefundable Fees and Other Costs, we use estimates of future principal prepayments, provided by third-party market-data vendors, in addition to actual principal prepayment experience to calculate the constant effective yield necessary to apply the effective interest method in the amortization of purchase discounts or premiums on mortgage-backed securities and fixed rate collateralized mortgage obligations (“CMO”). The discounts or premiums are included in interest income over the contractual terms of the underlying securities replicating the effective interest method.

Fair Value Accounting

Fair Value Accounting

Our managed funds are investment companies under the AICPA Audit and Accounting Guide for Investment Companies and accordingly, these funds report their investments at estimated fair value, with unrealized gains and losses resulting from changes in fair value reflected as investment gains or losses in our consolidated statements of income. Our non-marketable and other securities recorded pursuant to fair value accounting consist of our investments through the following funds:

• Funds of funds; which make investments in venture capital and private equity funds;

• Direct venture funds; which make equity investments in privately held companies

Equity Method Investment

Equity Method

Our equity method non-marketable securities consist of investments in venture capital and private equity funds, privately-held companies, debt funds, and low income housing tax credit funds. Our equity method non-marketable securities and related accounting policies are described as follows:

• Equity securities, such as preferred or common stock in privately-held companies in which we hold a voting interest of at least 20 percent but less than 50 percent or in which we have the ability to exercise significant influence over the investees' operating and financial policies, are accounted for under the equity method.

• Investments in limited partnerships in which we hold voting interests of more than 5 percent, but less than 50 percent or in which we have the ability to exercise significant influence over the partnerships' operating and financial policies are accounted for using the equity method.

• Our China joint venture partnership, for which we have 50 percent ownership, is accounted for under the equity method.

We recognize our proportionate share of the results of operations of these equity method investees in our results of operations, based on the most current financial information available from the investee. We review our investments accounted for under the equity method at least quarterly for possible other-than-temporary impairment. Our review typically includes an analysis of facts and circumstances for each investment, the expectations of the investment's future cash flows and capital needs, variability of its business and the company's exit strategy. For our fund investments, we utilize the net asset value per share as provided by the general partners of the fund investments. We account for differences between our measurement date and the date of the fund investment's net asset value by using the most recent available financial information from the investee general partner, for example September 30^th, for our December 31^st consolidated financial statements, adjusted for any contributions paid, distributions received from the investment, and known significant fund transactions or market events about which we are aware through information provided by the fund managers or from publicly available transaction data during the reporting period.

We reduce our investment value when we consider declines in value to be other-than-temporary and recognize the estimated loss as a loss on investment securities, a component of noninterest income.

Cost Method Investment

Cost Method

Our cost method non-marketable securities and related accounting policies are described as follows:

• Equity securities, such as preferred or common stock in privately-held companies in which we hold an ownership interest of less than 20 percent and in which we do not have the ability to exercise significant influence over the investees' operating and financial policies, are accounted for under the cost method.

• Investments in limited partnerships in which we hold voting interests of less than 5 percent and in which we do not have the ability to exercise significant influence over the partnerships' operating and financial policies, are accounted for under the cost method. These non-marketable securities include investments in venture capital and private equity funds.

We record these investments at cost and recognize distributions or returns received from net accumulated earnings of the investee since the date of acquisition as income. Our share of net accumulated earnings of the investee after the date of investment are recognized in consolidated net income only to the extent distributed by the investee. Distributions or returns received in excess of accumulated earnings are considered a return of investment and are recorded as reductions in the cost basis of the investment.

We review our investments accounted for under the cost method at least quarterly for possible other-than-temporary impairment. Our review typically includes an analysis of facts and circumstances of each investment, the expectations of the investment's future cash flows and capital needs, variability of its business and the company's exit strategy. To help determine impairment, if any, for our fund investments, we utilize the net asset value per share as provided by the general partners of the fund investments. We account for differences between our measurement date and the date of the fund investment's net asset value by using the most recent available financial information from the investee general partner, for example September 30^th, for our December 31^st consolidated financial statements, adjusted for any contributions paid, distributions received from the investment, and known significant fund transactions or market events about which we are aware through information provided by the fund managers or from publicly available transaction data during the reporting period.

We reduce our investment value when we consider declines in value to be other-than-temporary and recognize the estimated loss as a loss on investment securities, a component of noninterest income.

Gains or losses on cost method investment securities that result from a portfolio company being acquired by a publicly traded company are determined using its fair value when the acquisition occurs. The resulting gains or losses are recognized in consolidated net income on that date.

Loans

Loans

Loans are reported at the principal amount outstanding, net of unearned loan fees. Unearned loan fees reflect unamortized deferred loan origination and commitment fees net of unamortized deferred loan origination costs. In addition to cash loan fees, we often obtain equity warrant assets that give us an option to purchase a position in a client company's stock in consideration for providing credit facilities. The grant date fair values of these equity warrant assets are deemed to be loan fees and are deferred as unearned income and recognized as an adjustment of loan yield through loan interest income. The net amount of unearned loan fees is amortized into loan interest income over the contractual terms of the underlying loans and commitments using the constant effective yield method, adjusted for actual loan prepayment experience, or the straight-line method, as applicable.

Allowance for Loan Losses

Allowance for Loan Losses

The allowance for loan losses considers credit risk and is established through a provision for loan losses charged to expense. Our allowance for loan losses is established for estimated loan losses that are probable but not yet realized. Our evaluation process is designed to determine that the allowance for loan losses is appropriate at the balance sheet date. The process of estimating loan losses is inherently imprecise.

We maintain a systematic process for the evaluation of individual loans and pools of loans for inherent risk of loan losses. On a quarterly basis, each loan in our portfolio is assigned a Credit Risk Rating and industry niche. Credit Risk Ratings are assigned on a scale of 1 to 10, with 1 representing loans with a low risk of nonpayment, 9 representing loans with the highest risk of nonpayment, and 10 representing loans which have been charged-off. This Credit Risk Rating process includes, but is not limited to, consideration of such factors as payment status, the financial condition and operating performance of the borrower, borrower compliance with loan covenants, underlying collateral values and performance trends, the degree of access to additional capital, the presence of credit enhancements such as third party guarantees (where applicable), the degree to which the borrower is sensitive to external factors, the depth and experience of the borrower's management team, potential loan concentrations, and general economic conditions. Our policies require a committee of senior management to review, at least quarterly, credit relationships that exceed specific dollar values. Our review process evaluates the appropriateness of the credit risk rating and allocation of the allowance for loan losses, as well as other account management functions. The allowance for loan losses is based on a formula allocation for similarly risk-rated loans by portfolio segment and individually for impaired loans. The formula allocation provides the average loan loss experience for each portfolio segment, which considers our quarterly historical loss experience since the year 2000, both by risk-rating category and client industry sector. The resulting loan loss factors for each risk-rating category and client industry sector are ultimately applied to the respective period-end client loan balances for each corresponding risk-rating category by client industry sector to provide an estimation of the allowance for loan losses. The probable loan loss experience for any one year period of time is reasonably expected to be greater or less than the average as determined by the loss factors. As such, management applies a qualitative allocation to the results of the aforementioned model to ascertain the total allowance for loan losses. This qualitative allocation is based on management's assessment of the risks that may lead to a future loan loss experience different from our historical loan loss experience. Based on management's prediction or estimate of changing risks in the lending environment, the qualitative allocation may vary significantly from period to period and includes, but is not limited to, consideration of the following factors:

• Changes in lending policies and procedures, including underwriting standards and collections, and charge-off and recovery practices;

• Changes in national and local economic business conditions, including the market and economic condition of our clients' industry sectors;

• Changes in the nature of our loan portfolio;

• Changes in experience, ability, and depth of lending management and staff;

• Changes in the trend of the volume and severity of past due and classified loans;

• Changes in the trend of the volume of nonaccrual loans, troubled debt restructurings, and other loan modifications;

• Reserve floor for portfolio segments that would not draw a minimum reserve based on the lack of historical loan loss experience;

• Reserve for large funded loan exposure; and

• Other factors as determined by management from time to time.

While the evaluation process of our allowance for loan losses uses historical and other objective information, the classification of loans and the establishment of the allowance for loan losses rely, to a great extent, on the judgment and experience of our management.

Uncollectible Loans and Write-offs

Uncollectible Loans and Write-offs

Our charge-off policy applies to all loans, regardless of portfolio segment. Loans are considered for full or partial charge-offs in the event that principal or interest is over 180 days past due or the loan lacks sufficient collateral and it is not in the process of collection. We also consider writing off loans in the event of any of the following circumstances: 1) the loan, or a portion of the loan is deemed uncollectible due to: a) the borrower's inability to make recurring payments, b) material changes in the borrower's assets, c) the expected sale of all or a portion of the borrower's business, or d) a combination of the foregoing; 2) the loan has been identified for charge-off by regulatory authorities; or 3) the debt is overdue greater than 90 days.

Troubled Debt Restructurings (TDRs)

Troubled Debt Restructurings

A TDR arises from the modification of a loan where we have granted a concession to the borrower related to the borrower's financial difficulties that we would not have otherwise considered for economic or legal reasons. These concessions may include: (1) deferral of payment for more than an insignificant period of time; (2) interest rate reductions; (3) extension of the maturity date with interest rate concessions; (4) principal forgiveness; and or (5) reduction of accrued interest.

We use the factors in ASC 310-40, Receivables, Troubled Debt Restructurings by Creditors, to help determine when a borrower is experiencing financial difficulty, and when we have granted a concession, both of which must be present for a restructuring to meet the criteria of a TDR. If we determine that a TDR exists, we measure impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, except that as a practical expedient, we may also measure impairment based on a loan's observable market price, or the fair value of the collateral less selling costs if the loan is a collateral-dependent loan.

Reservce for Unfunded Credit Commitments

Reserve for Unfunded Credit Commitments

We record a liability for probable and estimable losses associated with our unfunded credit commitments being funded and subsequently being charged off. Each quarter, every unfunded client credit commitment is allocated to a credit risk-rating in accordance with each client's credit risk rating. We use the historical loan loss factors described under our allowance for loan losses to calculate the loan loss experience if unfunded credit commitments are funded. Separately, we use historical trends to calculate a probability of an unfunded credit commitment being funded. We apply the loan funding probability factor to risk-factor adjusted unfunded credit commitments by credit risk-rating to derive the reserve for unfunded credit commitments, similar to funded loans. The reserve for unfunded credit commitments also includes certain qualitative allocations as deemed appropriate by our management. We include the reserve for unfunded credit commitments in other liabilities and the related provision in other expenses.

Nonaccrual Loans and Impaired Loans

Nonaccrual Loans and Impaired Loans

Loans are placed on nonaccrual status when they become 90 days past due as to principal or interest payments (unless the principal and interest are well secured and in the process of collection); or when we have determined, based upon currently known information, that the timely collection of principal or interest is not probable.

When a loan is placed on nonaccrual status, the accrued interest and fees are reversed against interest income and the loan is accounted for using the cost recovery method thereafter until qualifying for return to accrual status. Historically, loans that have been placed on nonaccrual status have remained as nonaccrual loans until the loan is either charged-off, or the principal balances have been paid off. For a loan to be returned to accrual status, all delinquent principal and interest must become current in accordance with the terms of the loan agreement and future collection of remaining principal and interest must be deemed probable. We apply a cost recovery method in which all cash received is applied to the loan principal until it has been collected. Under this approach, interest income is recognized after total cash flows received exceed the recorded investment at the date of initial impairment.

A loan is considered impaired when, based upon currently known information, it is deemed probable that we will be unable to collect all amounts due according to the terms of the agreement. All of our nonaccrual loans are classified under the impaired category. On a quarterly basis, we review our loan portfolio for impairment. Within each class of loans, we review individual loans for impairment based on credit risk ratings. Loans that have credit risk ratings of 8 or 9 are considered impaired and are reviewed individually.

For each loan identified as impaired, we measure the impairment based upon the present value of expected future cash flows discounted at the loan's effective interest rate. In limited circumstances, we may measure impairment based on the loan's observable market price or the fair value of the collateral less selling costs if the loan is collateral dependent. Impaired collateral dependent loans will have independent appraisals completed and accepted at least annually. The fair value of the collateral will be determined by the most recent appraisal, as adjusted to reflect a reasonable marketing period for the sale of the asset(s) and an estimate of reasonable selling expenses.

If it is determined that the value of an impaired loan is less than the recorded investment in the loan, net of previous charge-offs and payments collected, we recognize impairment through the allowance for loan losses as determined by our analysis.

Standby Letters of Credit

Standby Letters of Credit

We recognize a liability at the inception of a standby letter of credit equivalent to the premium or the fee received for such guarantee. This fee is recognized in noninterest income over the commitment period using the straight-line method.

Premises and Equipment

Premises and Equipment

Premises and equipment are reported at cost less accumulated depreciation and amortization. Depreciation and amortization are computed using the straight-line method over the estimated useful lives of the assets or the terms of the related leases, whichever is shorter. The maximum estimated useful lives by asset classification are as follows:

Leasehold improvements	Lesser of lease term or asset life
Furniture and equipment	3 years
Computer software	3-7 years
Computer hardware	3-5 years

We capitalize the costs of computer software developed or obtained for internal use, including costs related to developed software, purchased software licenses and certain implementation costs.

For property and equipment that is retired or otherwise disposed of, the cost and related accumulated depreciation are removed from the accounts and the resulting gain or loss is included in noninterest expense in consolidated net income.

Lease Obligations

Lease Obligations

We lease all of our properties. At the inception of the lease, each property is evaluated to determine whether the lease will be accounted for as an operating or capital lease. For leases that contain rent escalations or landlord incentives, we record the total rent payable during the lease term, using the straight-line method over the term of the lease and record the difference between the minimum rents paid and the straight-line rent as lease obligations. We had no capitalized lease obligations at December 31, 2013 and 2012.

Fair Value Measurements

Fair Value Measurements

Our available-for-sale securities, derivative instruments and certain marketable, non-marketable and other securities are financial instruments recorded at fair value on a recurring basis. We make estimates regarding valuation of assets and liabilities measured at fair value in preparing our consolidated financial statements.

Fair Value Measurement-Definition and Hierarchy

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability (the “exit price”) in an orderly transaction between market participants at the measurement date. There is a three-level hierarchy for disclosure of assets and liabilities recorded at fair value. The classification of assets and liabilities within the hierarchy is based on whether the inputs to the valuation methodology used for measurement are observable or unobservable and the significance of those inputs in the fair value measurement. Observable inputs reflect market-derived or market-based information obtained from independent sources, while unobservable inputs reflect our estimates about market data and views of market participants. The three levels for measuring fair value are based on the reliability of inputs and are as follows:

Level 1

Fair value measurements based on quoted prices in active markets for identical assets or liabilities that we have the ability to access. Since valuations are based on quoted prices that are readily and regularly available in an active market, valuation of these instruments does not entail a significant degree of judgment. Assets utilizing Level 1 inputs include exchange-traded equity securities and certain marketable securities accounted for under fair value accounting.

Level 2

Fair value measurements based on quoted prices in markets that are not active or for which all significant inputs are observable, directly or indirectly. Valuations for the available-for-sale securities are provided by third party external pricing service providers. We review the methodologies used to determine the fair value, including understanding the nature and observability of the inputs used to determine the price. Additional corroboration, such as obtaining a non-binding price from a broker, may be obtained depending on the frequency of trades of the security and the level of liquidity or depth of the market. The valuation methodology that is generally used for the Level 2 assets is the income approach. Below is a summary of the significant inputs used for each class of Level 2 assets and liabilities:

U.S. treasury securities: U.S. treasury securities are considered by most investors to be the most liquid fixed income investments available. These securities are priced relative to market prices on similar U.S. treasury securities.

U.S. agency debentures: Fair value measurements of U.S. agency debentures are based on the characteristics specific to bonds held, such as issuer name, issuance date, coupon rate, maturity date and any applicable issuer call option features. Valuations are based on market spreads relative to similar term benchmark market interest rates, generally U.S. treasury securities.

Agency-issued mortgage-backed securities: Agency-issued mortgage-backed securities are pools of individual conventional mortgage loans underwritten to U.S. agency standards with similar coupon rates, tenor, and other attributes such as geographic location, loan size and origination vintage. Fair value measurements of these securities are based on observable price adjustments relative to benchmark market interest rates taking into consideration estimated loan prepayment speeds.

Agency-issued collateralized mortgage obligations: Agency-issued collateralized mortgage obligations are structured into classes or tranches with defined cash flow characteristics and are collateralized by U.S. agency-issued mortgage pass-through securities. Fair value measurements of these securities incorporate similar characteristics of mortgage pass-through securities such as coupon rate, tenor, geographic location, loan size and origination vintage, in addition to incorporating the effect of estimated prepayment speeds on the cash flow structure of the class or tranche. These measurements incorporate observable market spreads over an estimated average life after considering the inputs listed above.

Agency-issued commercial mortgage-backed securities: Fair value measurements of these securities are based on spreads to benchmark market interest rates (usually U.S. treasury rates or rates observable in the swaps market), prepayment speeds, loan default rate assumptions and loan loss severity assumptions on underlying loans.

Municipal bonds and notes: Bonds issued by municipal governments generally have stated coupon rates, final maturity dates and are subject to being called ahead of the final maturity date at the option of the issuer. Fair value measurements of these securities are priced based on spreads to other municipal benchmark bonds with similar characteristics; or, relative to market rates on U.S. treasury bonds of similar maturity.

Interest rate swap assets: Fair value measurements of interest rate swaps are priced considering the coupon rate of the fixed leg of the contract and the variable coupon on the floating leg of the contract. Valuation is based on both spot and forward rates on the swap yield curve and the credit worthiness of the contract counterparty.

Foreign exchange forward and option contract assets and liabilities: Fair value measurements of these assets and liabilities are priced based on spot and forward foreign currency rates and option volatility assumptions and the credit worthiness of the contract counterparty.

Equity warrant assets (public portfolio): Fair value measurements of equity warrant assets of publicly-traded portfolio companies are valued based on the Black-Scholes option pricing model. The model uses the price of publicly-traded companies (underlying stock price), stated strike prices, warrant expiration dates, the risk-free interest rate and market-observable option volatility assumptions.

Level 3

The fair value measurement is derived from valuation techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect our own estimates of assumptions we believe market participants would use in pricing the asset. Below is a summary of the valuation techniques used for each class of Level 3 assets:

Venture capital and private equity fund investments: Fair value measurements are based on the net asset value per share as obtained from the investee funds' management as the funds do not have a readily determinable fair value and the funds prepare their financial statements using guidance consistent with fair value accounting. We account for differences between our measurement date and the date of the fund investment’s net asset value by using the most recent available financial information from the investee general partner, adjusted for any contributions paid, distributions received from the investment, and significant fund transactions or market events during the reporting period.

Other venture capital investments: Fair value measurements are based on consideration of a range of factors including, but not limited to, the price at which the investment was acquired, the term and nature of the investment, local market conditions, values for comparable securities, and as it relates to the private company, the current and projected operating performance, exit strategies, and financing transactions subsequent to the acquisition of the investment. The significant unobservable inputs used in the fair value measurement include the information about each portfolio company, including actual and forecasted results, cash position, recent or planned transactions and market comparable companies. Significant changes to any one of these inputs in isolation could result in a significant change in the fair value measurement, however, we generally consider all factors available through ongoing communication with the portfolio companies and venture capital fund managers to determine whether there are changes to the portfolio company or the environment that indicate a change in the fair value measurement.

Other securities: Fair value measurements of equity securities of public companies are priced based on quoted market prices less a discount if the securities are subject to certain sales restrictions. Certain sales restriction discounts generally range from 10% to 20% depending on the duration of the sale restrictions which typically range from 3 to 6 months.

Equity warrant assets (public portfolio): Fair value measurements of equity warrant assets of publicly-traded portfolio companies are valued based on the Black-Scholes option pricing model. The model uses the price of publicly-traded companies (underlying stock price), stated strike prices, warrant expiration dates, the risk-free interest rate and market-observable option volatility assumptions. Modeled asset values are further adjusted by applying a discount of up to 20% for certain warrants that have certain sales restrictions or other features that indicate a discount to fair value is warranted. As sale restrictions are lifted, discounts are adjusted downward to 0 percent once all restrictions expire or are removed.

Equity warrant assets (private portfolio): Fair value measurements of equity warrant assets of private portfolio companies are priced based on a modified Black-Scholes option pricing model to estimate the asset value by using stated strike prices, option expiration dates, risk-free interest rates and option volatility assumptions. Option volatility assumptions used in the modified Black-Scholes model are based on public market indices whose members operate in similar industries as companies in our private company portfolio. Option expiration dates are modified to account for estimates to actual life relative to stated expiration. Overall model asset values are further adjusted for a general lack of liquidity due to the private nature of the associated underlying company. There is a direct correlation between changes in the volatility and remaining life assumptions in isolation and the fair value measurement while there is an inverse correlation between changes in the liquidity discount assumption and the fair value measurement.

It is our policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements. When available, we use quoted market prices to measure fair value. If market prices are not available, fair value measurement is based upon valuation techniques that use primarily market-based or independently-sourced market parameters, including interest rate yield curves, prepayment speeds, option volatilities and currency rates. Substantially all of our financial instruments use the foregoing methodologies, and are categorized as a Level 1 or Level 2 measurement in the fair value hierarchy. However, in certain cases, when market observable inputs for our valuation techniques may not be readily available, we are required to make judgments about assumptions we believe market participants would use in estimating the fair value of the financial instrument, and based on the significance of those judgments, the measurement may be determined to be a Level 3 fair value measurement.

The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market parameters. For financial instruments that trade actively and have quoted market prices or observable market parameters, there is minimal subjectivity involved in measuring fair value. When observable market prices and parameters are not fully available, management judgment is necessary to estimate fair value. For inactive markets, there is little information, if any, to evaluate if individual transactions are orderly. Accordingly, we are required to estimate, based upon all available facts and circumstances, the degree to which orderly transactions are occurring and provide more weighting to price quotes that are based upon orderly transactions. In addition, changes in the market conditions may reduce the availability of quoted prices or observable data. For example, reduced liquidity in the capital markets or changes in secondary market activities could result in observable market inputs becoming unavailable. Therefore, when market data is not available, we use valuation techniques requiring more management judgment to estimate the appropriate fair value measurement. Accordingly, the degree of judgment exercised by management in determining fair value is greater for financial assets and liabilities categorized as Level 3.

Fee-based Services Revenue Recognition

Fee-based Services Revenue Recognition

Letters of Credit and Standby Letters of Credit Fee Income

Fees generated from letters of credit and standby letters of credit are deferred as a component of other liabilities and recognized in noninterest income over the commitment period using the straight-line method, based on the likelihood that the commitment being drawn down will be remote.

Client Investment Fees

Client investment fees include fees earned from Rule 12(b)-1 fees, revenue sharing and from customer transactional based fees. Rule 12(b)-1 fees and revenue sharing are recognized as earned based on client funds that are invested in the period. Transactional based fees are earned and recognized on fixed income and equity securities when the transaction is executed on the clients' behalf.

Foreign Exchange Fees

Foreign exchange fees represent the income differential between purchases and sales of foreign currency on behalf of our clients and are recognized as earned.

Lending Related Fees

Unused commitment fees, minimum finance fees and unused line fees are recognized as earned on a monthly and quarterly basis. Fees that qualify for syndication treatment are recognized at the completion of the syndicated loan deal for which the fees were received.

Other Fee Income

Credit card fees and deposit service charge fee income are recognized as earned on a monthly basis.

Other Service Revenue

Other service revenue primarily includes revenue from valuation services. We recognize revenue when (i) persuasive evidence of an arrangement exists, (ii) we have performed the service, provided we have no other remaining obligations to the customer, (iii) the fee is fixed or determinable and, (iv) collectibility is probable.

Fund Management Fees and Carried Interest

Fund management fees are comprised of fees charged directly to our managed funds of funds and direct venture funds. Fund management fees are based upon the contractual terms of the limited partnership agreements and are recognized as earned over the specified contract period, which is generally equal to the life of the individual fund. Fund management fees are recorded as a component of other noninterest income.

Carried interest is comprised of preferential allocations of profits recognizable when the return on assets of our individual managed funds of funds and direct venture funds exceeds certain performance targets. Carried interest is recorded quarterly based on measuring fund performance to date versus the performance target and is recorded as a component of net income attributable to noncontrolling interests.

Income Taxes

Income Taxes

Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carryforwards. Our federal, state and foreign income tax provisions are based upon taxes payable for the current year as well as current year changes in deferred taxes related to temporary differences between the tax basis and financial statement balances of assets and liabilities. Deferred tax assets and liabilities are included in the consolidated financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. We file a consolidated federal income tax return, and consolidated, combined, or separate state income tax returns as appropriate. Our foreign incorporated subsidiaries file tax returns in the applicable foreign jurisdictions. We record interest and penalties related to unrecognized tax benefits in other noninterest expense, a component of consolidated net income.

Share-Based Compensation

Share-Based Compensation

For all stock-based awards granted, stock-based compensation expense is amortized on a straight-line basis over the requisite service period, including consideration of vesting conditions and anticipated forfeitures. The fair value of stock options are measured using the Black-Scholes option-pricing model and the fair value for restricted stock awards and restricted stock units are based on the quoted price of our common stock on the date of grant.

Earnings Per Share

Earnings Per Share

Basic earnings per common share is computed using the weighted average number of common stock shares outstanding during the period. Diluted earnings per common share is computed using the weighted average number of common stock shares and potential common shares outstanding during the period. Potential common shares consist of stock options, ESPP shares and restricted stock units. Common stock equivalent shares are excluded from the computation if the effect is antidilutive.

Derivative Financial Instruments

Derivative Financial Instruments

All derivative instruments are recorded on the balance sheet at fair value. The accounting for changes in fair value of a derivative financial instrument depends on whether the derivative financial instrument is designated and qualifies as part of a hedging relationship and, if so, the nature of the hedging activity. Changes in fair value are recognized through earnings for derivatives that do not qualify for hedge accounting treatment, or that have not been designated in a hedging relationship.

Fair Value Hedges

For derivative instruments that are designated and qualify as a fair value hedge, the gain or loss on the hedging instrument is recorded in the statement of income in the same line item as the hedged item and is intended to offset the loss or gain on the hedged item attributable to the hedged risk. Any difference that does arise would be the result of hedge ineffectiveness, and impacts earnings.

Equity Warrant Assets

In connection with negotiated credit facilities and certain other services, we may obtain equity warrant assets giving us the right to acquire stock in primarily private, venture-backed companies in the technology and life science industries. We hold these assets for prospective investment gains. We do not use them to hedge any economic risks nor do we use other derivative instruments to hedge economic risks stemming from equity warrant assets.

We account for equity warrant assets in certain private and public client companies as derivatives when they contain net settlement terms and other qualifying criteria under ASC 815, Derivatives and Hedging. In general, equity warrant assets entitle us to buy a specific number of shares of stock at a specific price within a specific time period. Certain equity warrant assets contain contingent provisions, which adjust the underlying number of shares or purchase price upon the occurrence of certain future events. Our warrant agreements typically contain net share settlement provisions, which permit us to receive at exercise a share count equal to the intrinsic value of the warrant divided by the share price (otherwise known as a “cashless” exercise). These equity warrant assets are recorded at fair value and are classified as derivative assets, a component of other assets, on our consolidated balance sheet at the time they are obtained.

The grant date fair values of equity warrant assets received in connection with the issuance of a credit facility are deemed to be loan fees and recognized as an adjustment of loan yield through loan interest income. Similar to other loan fees, the yield adjustment related to grant date fair value of warrants is recognized over the life of that credit facility.

Any changes in fair value from the grant date fair value of equity warrant assets will be recognized as increases or decreases to other assets on our balance sheet and as net gains or losses on derivative investments, in noninterest income, a component of consolidated net income. When a portfolio company completes an IPO on a publicly reported market or is acquired, we may exercise these equity warrant assets for shares or cash.

In the event of an exercise for shares, the basis or value in the securities is reclassified from other assets to investment securities on the balance sheet on the latter of the exercise date or corporate action date. The shares in public companies are classified as available-for-sale securities (provided they do not have a significant restriction from sale). Changes in fair value of securities designated as available-for-sale, after applicable taxes, are reported in accumulated other comprehensive income, which is a separate component of SVBFG stockholders' equity. The shares in private companies are classified as non-marketable securities. We, typically, account for these securities at cost and only record adjustments to the value at the time of exit or liquidation though gains (losses) on investments securities, net, which is a component of noninterest income.

The fair value of the equity warrant assets portfolio is reviewed quarterly. We value our equity warrant assets using a modified Black-Scholes option pricing model, which incorporates the following significant inputs:

• An underlying asset value, which is estimated based on current information available, including any information regarding subsequent rounds of funding.

• Stated strike price, which can be adjusted for certain warrants upon the occurrence of subsequent funding rounds or other future events.

• Price volatility or the amount of uncertainty or risk about the magnitude of the changes in the warrant price. The volatility assumption is based on historical price volatility of publicly traded companies within indices similar in nature to the underlying client companies issuing the warrant. The actual volatility input is based on the median volatility for an individual public company within an index for the past 16 quarters, from which an average volatility was derived.

• Actual data on cancellations and exercises of our warrants are utilized as the basis for determining the expected remaining life of the warrants in each financial reporting period. Warrants may be exercised in the event of acquisitions, mergers or IPOs, and cancelled due to events such as bankruptcies, restructuring activities or additional financings. These events cause the expected remaining life assumption to be shorter than the contractual term of the warrants.

• The risk-free interest rate is derived from the Treasury yield curve and is calculated based on a weighted average of the risk-free interest rates that correspond closest to the expected remaining life of the warrant.

• Other adjustments, including a marketability discount, are estimated based on management's judgment about the general industry environment.

Loan Conversion Options

In connection with negotiating certain credit facilities, we occasionally extend loan facilities, which have convertible option features. The convertible loans may be converted into a certain number of shares determined by dividing the principal amount of the loan by the applicable conversion price. Because our loan conversion options have underlying and notional values, had no initial net investment and met other qualifying criteria under ASC 815, these assets qualify as derivative instruments. We value our loan conversion options using a modified Black-Scholes option pricing model, which incorporates assumptions about the underlying asset value, volatility, and the risk-free rate. Loan conversion options are recorded at fair value in other assets, while changes in their fair value are recorded through gains on derivative instruments, net, in noninterest income, a component of consolidated net income.

Foreign Exchange Forwards and Foreign Currency Option Contracts

We enter into foreign exchange forward contracts and foreign currency option contracts with clients involved in international activities, either as the purchaser or seller, depending upon the clients' need. We typically also enter into an opposite-way forward or option contract with a correspondent bank to economically hedge client contracts to mitigate the fair value risk to us from fluctuations in currency rates. Settlement, credit, and operational risks remain. We also enter into forward contracts with correspondent banks to economically hedge currency exposure risk related to certain foreign currency denominated loans. These contracts are not designated as hedging instruments and are recorded at fair value in our consolidated balance sheets. Changes in the fair value of these contracts are recognized in consolidated net income under gains (losses) on derivative instruments, net, a component of noninterest income. Period-end gross positive fair values are recorded in other assets and gross negative fair values are recorded in other liabilities.

Reclassifications

Reclassifications

Certain prior period amounts have been reclassified to conform to the current period presentations.

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Loans and Allowance for Loan Losses Additional Information (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deferred loan fee income	$ 89,000,000		$ 77,000,000
Loans modified in TDRs	22,433,000		34,328,000
Unfunded commitments available for funding	100,000
Loans modified in TDRs during the period	13,848,000	[1]	28,723,000	[1]	13,599,000	[1]
Forgiveness Of Principal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans modified in TDRs during the period			9,000,000
Payment Deferrals Granted
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans modified in TDRs during the period			$ 19,000,000

[1] During 2013 , 2012, and 2011 we had partial charge-offs of $11.1 million, $14.3 million, and $2.8 million respectively, on loans classified as TDRs.

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Income Taxes Reconciliation between Federal Statutory Income Tax Rate and Effective Income Tax Rate (Detail)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Income Tax Disclosure [Abstract]
Federal statutory income tax rate	35.00%	35.00%	35.00%
State income taxes, net of the federal tax effect	5.10%	5.80%	6.00%
Meals and entertainment	0.50%	0.50%	0.50%
Share-based compensation expense on incentive stock options and ESPP	(0.30%)	0.40%	0.30%
Disallowed officer's compensation	0.10%	0.10%	0.10%
Tax-exempt interest income	(0.30%)	(0.40%)	(0.40%)
Low-income housing tax credit	(1.60%)	(1.20%)	(1.10%)
Other, net	0.70%	(0.90%)	0.50%
Effective income tax rate	39.20%	39.30%	40.90%

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Premises and Equipment (Tables)

12 Months Ended

Dec. 31, 2013

Property, Plant and Equipment [Abstract]

Components of Premises and Equipment

Premises and equipment at December 31, 2013 and 2012 consisted of the following:

	December 31,
(Dollars in thousands)	2013			2012
Computer software	$	128,129		$	108,415
Computer hardware	45,241			42,147
Leasehold improvements	40,851			36,907
Furniture and equipment	19,434			17,431
Total	233,655			204,900
Accumulated depreciation and amortization	(166,170		)	(138,355		)
Premises and equipment, net	$	67,485		$	66,545

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Subsequent Events (Tables)

12 Months Ended

Dec. 31, 2013

Subsequent Events [Abstract]

Reconciliation of the non-GAAP financial measure

The table below sets forth a reconciliation of the non-GAAP financial measure discussed above:

	February 25, 2014
Non-GAAP gains on certain other securities, net of noncontrolling interests (dollars in millions)	With sales restrictions discount		Without sales restrictions discount
GAAP gains on certain other securities	$	200	$	250
Less: income attributable to noncontrolling interests, including carried interest	160		200
Non-GAAP gains on certain other securities, net of controlling interests	$	40	$	50

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Reserves on Deposit with the Federal Reserve Bank and Federal Bank Stock Shares Held at Federal Reserve Bank and Federal Home Loan Bank (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Disclosure Shares Held At Federal Reserve Bank And Federal Home Loan Bank [Abstract]
FHLB stock holdings	$ 25,000	$ 25,000
FRB stock holdings	$ 15,632	$ 14,806

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Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Assets
Cash and cash equivalents	$ 1,538,779		$ 1,008,983
Available-for-sale securities	11,986,821		11,343,177
Non-marketable and other securities	1,595,494		1,184,265
Investment securities	13,582,315		12,527,442
Loans, net of unearned income	10,906,386	[1]	8,946,933	[1]
Allowance for loan losses	(142,886)		(110,651)
Net loans	10,763,500		8,836,282
Premises and equipment, net of accumulated depreciation and amortization	67,485		66,545
Accrued interest receivable and other assets	465,110		326,871
Total assets	26,417,189		22,766,123
Liabilities:
Noninterest-bearing demand deposits	15,894,360		13,875,275
Interest-bearing deposits	6,578,619		5,301,177
Total deposits	22,472,979		19,176,452
Short-term borrowings	5,080		166,110
Other liabilities	404,586		360,566
Long-term debt	455,216		457,762
Total liabilities	23,337,861		20,160,890
Commitments and contingencies (Note 17 and Note 23)
SVBFG stockholders’ equity:
Preferred stock, $0.001 par value, 20,000,000 shares authorized; no shares issued and outstanding	0		0
Common stock, $0.001 par value, 150,000,000 shares authorized; 45,800,418 shares and 44,627,182 shares outstanding, respectively	46		45
Additional paid-in capital	624,256		547,079
Retained earnings	1,390,732		1,174,878
Accumulated other comprehensive (loss) income	(48,764)		108,553
Total SVBFG stockholders’ equity	1,966,270		1,830,555
Noncontrolling interests	1,113,058		774,678
Total equity	3,079,328		2,605,233
Total liabilities and total equity	$ 26,417,189		$ 22,766,123

[1] Included within our total loan portfolio are credit card loans of $85 million and $64 million at December 31, 2013 and 2012, respectively.

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Income Taxes (Tables)

12 Months Ended

Dec. 31, 2013

Income Tax Disclosure [Abstract]

Components of Provision for Income Taxes

The components of our provision for income taxes for 2013, 2012 and 2011 were as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012			2011
Current provision:
Federal	$	99,480	$	87,635		$	86,220
State	25,498		23,752			25,505
Deferred expense (benefit):
Federal	11,244		2,385			5,756
State	2,836		(503		)	1,606
Income tax expense	$	139,058	$	113,269		$	119,087

Reconciliation between Federal Statutory Income Tax Rate and Effective Income Tax Rate

Our effective tax rate is calculated by dividing income tax expense by the sum of income before income tax expense and the net income attributable to noncontrolling interests. The reconciliation between the federal statutory income tax rate and our effective income tax rate for 2013, 2012 and 2011, is as follows:

	December 31,
(Dollars in thousands)	2013		2012		2011
Federal statutory income tax rate	35.0	%	35.0	%	35.0	%
State income taxes, net of the federal tax effect	5.1		5.8		6.0
Meals and entertainment	0.5		0.5		0.5
Disallowed officer's compensation	0.1		0.1		0.1
Share-based compensation expense on incentive stock options and ESPP	(0.3	)	0.4		0.3
Tax-exempt interest income	(0.3	)	(0.4	)	(0.4	)
Low-income housing tax credits	(1.6	)	(1.2	)	(1.1	)
Other, net	0.7		(0.9	)	0.5
Effective income tax rate	39.2	%	39.3	%	40.9	%

Deferred Tax (Liabilities) Assets

Deferred tax assets and liabilities at December 31, 2013 and 2012, consisted of the following:

	December 31,
(Dollars in thousands)	2013			2012
Deferred tax assets:
Allowance for loan losses	$	69,616		$	53,953
Net unrealized losses on available-for-sale securities	27,686			—
Share-based compensation expense	14,535			11,478
Net operating loss	9,682			8,175
Loan fee income	7,804			10,356
State income taxes	6,194			7,042
Net unrealized losses on foreign currency translation	5,228			—
Other accruals not currently deductible	4,869			2,205
Premises and equipment and other intangibles	734			—
Research and development credit	324			364
Other	36			16
Deferred tax assets	146,708			93,589
Valuation allowance	(10,006		)	(8,539		)
Net deferred tax assets after valuation allowance	136,702			85,050
Deferred tax liabilities:
Non-marketable and other securities	(55,921		)	(23,363		)
Derivative equity warrant assets	(10,344		)	(5,566		)
FHLB stock dividend	(1,236		)	(1,252		)
Net unrealized gains on available-for-sale securities	—			(74,983		)
Premises and equipment and other intangibles	—			(5,466		)
Other	(964		)	—
Deferred tax liabilities	(68,465		)	(110,630		)
Net deferred tax assets (liabilities)	$	68,237		$	(25,580	)

Changes in Unrecognized Tax Benefit (Including Interest and Penalties)

A summary of changes in our unrecognized tax benefit (including interest and penalties) in 2013 is as follows:

(Dollars in thousands)	Reconciliation of Unrecognized Tax Benefit			Interest & Penalties			Total
Balance at December 31, 2012	$	284		$	160		$	444
Additions for tax positions for prior years	123			47			170
Reduction for tax positions for prior years	(10		)	(40		)	(50		)
Lapse of the applicable statute of limitations	(145		)	(76		)	(221		)
Balance at December 31, 2013	$	252		$	91		$	343

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Premises and Equipment Components of Premises and Equipment (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Property, Plant and Equipment [Line Items]
Computer software	$ 128,129	$ 108,415
Computer hardware	45,241	42,147
Leasehold improvements	40,851	36,907
Furniture and equipment	19,434	17,431
Total	233,655	204,900
Accumulated depreciation and amortization	(166,170)	(138,355)
Premises and equipment, net	$ 67,485	$ 66,545

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Fair Value of Financial Instruments Summary of Estimated Fair Values of Financial Instruments not Carried at Fair Value (Parenthetical) (Detail) (6.05% Subordinated Notes, USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2013 Estimated Fair Value	Dec. 31, 2011 Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of the interest rate swap associated with the notes	$ 6,500	$ 9,000	$ 6,500	$ 9,000

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Income Taxes Components of Provision for Income Taxes (Detail) (USD $) In Thousands, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Current provision:
Federal									$ 99,480	$ 87,635	$ 86,220
State									25,498	23,752	25,505
Deferred expense (benefit):
Federal									11,244	2,385	5,756
State									2,836	(503)	1,606
Income tax expense	$ (35,285)	$ (47,404)	$ (29,968)	$ (26,401)	$ (29,526)	$ (28,470)	$ (31,517)	$ (23,756)	$ 139,058	$ 113,269	$ 119,087

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Consolidated Statements of Stockholders' Equity (USD $) In Thousands, except Share data	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income	Total SVBFG Stockholders’ Equity	Noncontrolling Interests
Balance at Dec. 31, 2010	$ 1,748,278	$ 42	$ 422,334	$ 827,831	$ 24,143	$ 1,274,350	$ 473,928
Balance (in shares) at Dec. 31, 2010		42,268,201
Common stock issued under employee benefit plans, net of restricted stock cancellations (in shares)		1,238,707
Common stock issued under employee benefit plans, net of restricted stock cancellations	36,873	2	36,871			36,873
Common stock issued upon settlement of 3.875% Convertible Notes, net of shares received from associated convertible note hedge (in shares)		1,024
Common stock issued upon settlement of 3.875% Convertible Notes, net of shares received from associated convertible note hedge	0		0			0
Income tax benefit from stock options exercised, vesting of restricted stock and other	7,140		7,140			7,140
Net income	282,793			171,902		171,902	110,891
Capital calls and distributions, net	96,178						96,178
Net change in unrealized gains on available-for-sale securities, net of tax	65,689				65,689	65,689
Foreign currency translation adjustments, net of tax	(4,433)				(4,433)	(4,433)
Share-based compensation expense	17,871		17,871			17,871
Balance at Dec. 31, 2011	2,250,389	44	484,216	999,733	85,399	1,569,392	680,997
Balance (in shares) at Dec. 31, 2011		43,507,932
Common stock issued under employee benefit plans, net of restricted stock cancellations (in shares)		1,045,690
Common stock issued under employee benefit plans, net of restricted stock cancellations	29,282	1	29,281			29,282
Common stock issued upon settlement of 3.875% Convertible Notes, net of shares received from associated convertible note hedge (in shares)		73,560
Common stock issued upon settlement of 3.875% Convertible Notes, net of shares received from associated convertible note hedge	4,344		4,344			4,344
Income tax benefit from stock options exercised, vesting of restricted stock and other	7,770		7,770			7,770
Net income	249,813			175,103		175,103	74,710
Capital calls and distributions, net	59,057						59,057
Net change in unrealized gains on available-for-sale securities, net of tax	23,612				23,612	23,612
Foreign currency translation adjustments, net of tax	(458)				(458)	(458)
Share-based compensation expense	21,468		21,468			21,468
Deconsolidation of noncontrolling interests	(40,086)						(40,086)
Other, net	42			42		42
Balance at Dec. 31, 2012	2,605,233	45	547,079	1,174,878	108,553	1,830,555	774,678
Balance (in shares) at Dec. 31, 2012		44,627,182
Common stock issued under employee benefit plans, net of restricted stock cancellations (in shares)		1,098,290
Common stock issued under employee benefit plans, net of restricted stock cancellations	41,404	1	41,403			41,404
Common stock issued under ESOP (in shares)		74,946
Common stock issued under ESOP	5,166	0	5,166			5,166
Income tax benefit from stock options exercised, vesting of restricted stock and other	5,658		5,658			5,658
Net income	546,119			215,853		215,853	330,266
Capital calls and distributions, net	8,114						8,114
Net change in unrealized gains on available-for-sale securities, net of tax	(154,013)				(154,013)	(154,013)
Foreign currency translation adjustments, net of tax	(3,304)				(3,304)	(3,304)
Share-based compensation expense	24,947		24,947			24,947
Other, net	4		3	1		4
Balance at Dec. 31, 2013	$ 3,079,328	$ 46	$ 624,256	$ 1,390,732	$ (48,764)	$ 1,966,270	$ 1,113,058
Balance (in shares) at Dec. 31, 2013		45,800,418

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Loans and Allowance for Loan Losses Recorded Investment in Loans Modified in TDRs (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs during the period	$ 13,848,000	[1]	$ 28,723,000	[1]	$ 13,599,000	[1]
Loans classified as TDRs, charge-offs	11,100,000		14,300,000		2,800,000
Loans modified in TDRs	22,433,000		34,328,000
Software
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs during the period	4,932,000		1,939,000		615,000
Loans modified in TDRs	5,860,000		2,021,000
Hardware
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs during the period	8,143,000		20,514,000		4,018,000
Loans modified in TDRs	13,329,000		20,514,000
Venture capital/private equity
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs during the period	77,000		0		0
Loans modified in TDRs	77,000		0
Premium wine
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs during the period	0		1,024,000		1,949,000
Loans modified in TDRs	1,442,000		2,593,000
Commercial, Other
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs during the period	690,000		4,878,000		3,884,000
Loans modified in TDRs	1,055,000		5,900,000
Commercial loans
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs during the period	13,842,000		28,355,000		10,466,000
Loans modified in TDRs	21,763,000		31,028,000
Real estate secured loans
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs during the period	0		368,000		0
Loans modified in TDRs	0		2,199,000
Consumer, Other
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs during the period	6,000		0		3,133,000
Loans modified in TDRs	670,000		1,101,000
Consumer loans
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs during the period	6,000		368,000		3,133,000
Loans modified in TDRs	670,000		3,300,000
Forgiveness Of Principal
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs during the period			9,000,000
Payment Deferrals Granted
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs during the period			$ 19,000,000

[1] During 2013 , 2012, and 2011 we had partial charge-offs of $11.1 million, $14.3 million, and $2.8 million respectively, on loans classified as TDRs.

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Regulatory Matters Capital Ratios for Company and Bank under Federal Regulatory Guidelines, Compared to Minimum Regulatory Capital Requirements for Adequately Capitalized and Well Capitalized Depository Institution (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
SVB Financial Group
Total risk-based capital, actual ratio	13.13%	14.05%
Total risk-based capital, well capitalized minimum ratio	10.00%	10.00%
Total risk-based capital, adequately capitalized minimum ratio	8.00%	8.00%
Total risk-based capital, actual amount	$ 2,218,996	$ 1,901,672
Total risk-based capital, well capitalized minimum amount	1,690,150	1,353,298
Total risk-based capital, adequately capitalized minimum amount	1,352,120	1,082,639
Tier 1 risk-based capital, actual ratio	11.94%	12.79%
Tier 1 risk-based capital, well capitalized minimum ratio	6.00%	6.00%
Tier 1 risk-based capital, adequately capitalized minimum ratio	4.00%	4.00%
Tier 1 risk-based capital, actual amount	2,018,455	1,730,866
Tier 1 risk-based capital, well capitalized minimum amount	1,014,090	811,979
Tier 1 risk-based capital, adequately capitalized minimum amount	676,060	541,319
Tier 1 leverage, actual ratio	8.31%	8.06%
Tier 1 leverage, adequately capitalized minimum ratio	4.00%	4.00%
Tier 1 leverage, actual amount	2,018,455	1,730,866
Tier 1 leverage, adequately capitalized minimum amount	972,130	859,057
Silicon Valley Bank
Total risk-based capital, actual ratio	11.32%	12.53%
Total risk-based capital, well capitalized minimum ratio	10.00%	10.00%
Total risk-based capital, adequately capitalized minimum ratio	8.00%	8.00%
Total risk-based capital, actual amount	1,880,254	1,650,732
Total risk-based capital, well capitalized minimum amount	1,661,287	1,317,789
Total risk-based capital, adequately capitalized minimum amount	1,329,030	1,054,231
Tier 1 risk-based capital, actual ratio	10.11%	11.24%
Tier 1 risk-based capital, well capitalized minimum ratio	6.00%	6.00%
Tier 1 risk-based capital, adequately capitalized minimum ratio	4.00%	4.00%
Tier 1 risk-based capital, actual amount	1,680,212	1,481,571
Tier 1 risk-based capital, well capitalized minimum amount	996,772	790,673
Tier 1 risk-based capital, adequately capitalized minimum amount	664,515	527,115
Tier 1 leverage, actual ratio	7.04%	7.06%
Tier 1 leverage, well capitalized minimum ratio	5.00%	5.00%
Tier 1 leverage, adequately capitalized minimum ratio	4.00%	4.00%
Tier 1 leverage, actual amount	1,680,212	1,481,571
Tier 1 leverage, well capitalized minimum amount	1,194,012	1,049,750
Tier 1 leverage, adequately capitalized minimum amount	$ 955,210	$ 839,800

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Segment Reporting Segment Information (Detail) (USD $) In Thousands, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011
Segment Reporting Information [Line Items]
Net interest income	$ 186,998	$ 177,096	$ 170,081	$ 163,169	$ 160,563	$ 154,430	$ 151,934	$ 150,937	$ 697,344		$ 617,864		$ 526,277
(Provision for) reduction of loan losses									(63,693)		(44,330)		(6,101)
Noninterest income	238,713	257,650	98,239	78,604	126,688	69,139	80,426	59,293	673,206		335,546		382,332
Noninterest expense	(168,850)	(160,524)	(143,292)	(149,014)	(143,049)	(135,171)	(135,766)	(132,012)	(621,680)	[1]	(545,998)	[1]	(500,628)	[1]
Income before income tax expense									685,177	[2]	363,082	[2]	401,880	[2]
Total average loans, net of unearned income									9,351,378		7,558,928		5,815,071
Total average assets									23,210,747	[3]	21,311,172	[3]	18,670,499	[3]
Total average deposits									19,619,194		17,910,088		15,568,801
Global Commercial Bank
Segment Reporting Information [Line Items]
Net interest income									643,016	[4]	595,133	[4]	519,145	[4]
(Provision for) reduction of loan losses									(65,290)	[4]	(45,417)	[4]	(13,494)	[4]
Noninterest income									202,404	[4]	188,842	[4]	150,116	[4]
Noninterest expense									(436,327)	[1],[4]	(398,438)	[1],[4]	(352,458)	[1],[4]
Income before income tax expense									343,803	[2],[4]	340,120	[2],[4]	303,309	[2],[4]
Total average loans, net of unearned income									8,472,045	[4]	6,790,332	[4]	5,111,086	[4]
Total average assets									21,388,037	[3],[4]	19,522,306	[3],[4]	17,103,883	[3],[4]
Total average deposits									19,072,921	[4]	17,575,060	[4]	15,364,804	[4]
SVB Private Bank
Segment Reporting Information [Line Items]
Net interest income									26,701		21,807		19,529
(Provision for) reduction of loan losses									1,597		1,087		7,393
Noninterest income									1,209		681		516
Noninterest expense									(15,916)	[1]	(13,651)	[1]	(10,174)	[1]
Income before income tax expense									13,591	[2]	9,924	[2]	17,264	[2]
Total average loans, net of unearned income									919,831		758,471		658,175
Total average assets									959,214	[3]	763,186	[3]	658,797	[3]
Total average deposits									524,398		313,836		186,604
SVB Capital
Segment Reporting Information [Line Items]
Net interest income									20	[4]	15	[4]	10	[4]
(Provision for) reduction of loan losses									0	[4]	0	[4]	0	[4]
Noninterest income									75,037	[4]	27,435	[4]	27,358	[4]
Noninterest expense									(10,737)	[1],[4]	(11,263)	[1],[4]	(13,079)	[1],[4]
Income before income tax expense									64,320	[2],[4]	16,187	[2],[4]	14,289	[2],[4]
Total average loans, net of unearned income									0	[4]	0	[4]	0	[4]
Total average assets									289,328	[3],[4]	239,335	[3],[4]	226,423	[3],[4]
Total average deposits									0	[4]	0	[4]	0	[4]
Other Items
Segment Reporting Information [Line Items]
Net interest income									27,607		909		(12,407)
(Provision for) reduction of loan losses									0		0		0
Noninterest income									394,556		118,588		204,342
Noninterest expense									(158,700)	[1]	(122,646)	[1]	(124,917)	[1]
Income before income tax expense									263,463	[2]	(3,149)	[2]	67,018	[2]
Total average loans, net of unearned income									(40,498)		10,125		45,810
Total average assets									574,168	[3]	786,345	[3]	681,396	[3]
Total average deposits									$ 21,875		$ 21,192		$ 17,393

[1] The Global Commercial Bank segment includes direct depreciation and amortization of $21.3 million, $16.3 million and $12.0 million for 2013, 2012 and 2011, respectively.

[2] The internal reporting model used by management to assess segment performance does not calculate income tax expense by segment. Our effective tax rate is a reasonable approximation of the segment rates.

[3] Total average assets equals the greater of total average assets or the sum of total liabilities and total stockholders’ equity for each segment.

[4] Global Commercial Bank’s and SVB Capital’s components of net interest income, noninterest income, noninterest expense and total average assets are shown net of noncontrolling interest for all periods presented. Noncontrolling interest is included within "Other Items".

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Stockholders' Equity and EPS Reconciliation of Basic EPS to Diluted EPS (Detail) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Numerator:
Net income available to common stockholders	$ 58,757	$ 67,621	$ 48,584	$ 40,891	$ 50,421	$ 42,289	$ 47,603	$ 34,790	$ 215,853	$ 175,103	$ 171,902
Denominator:
Weighted average common shares outstanding-basic									45,309	44,242	43,004
Denominator for diluted calculation									45,944	44,764	43,637
Earnings per common share:
Basic	$ 1.29	$ 1.48	$ 1.08	$ 0.91	$ 1.13	$ 0.95	$ 1.08	$ 0.79	$ 4.76	$ 3.96	$ 4.00
Diluted	$ 1.27	$ 1.46	$ 1.06	$ 0.90	$ 1.12	$ 0.94	$ 1.06	$ 0.78	$ 4.70	$ 3.91	$ 3.94
Stock options and ESPP
Denominator:
Weighted average effect of dilutive securities									431	370	517
Restricted stock units
Denominator:
Weighted average effect of dilutive securities									204	152	116

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Deposits Additional Information (Detail) (USD $) In Millions, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Deposits [Abstract]
Time deposit accounts individually equal to or greater than $100,000	$ 197	$ 133
Interest expense paid on time deposit accounts individually equal to or greater than $100,000	0.6	0.5	0.9
Time deposit accounts individually equal to or greater than $100,000 scheduled to mature within one year	$ 197

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Share-Based Compensation (Tables)

12 Months Ended

Dec. 31, 2013

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Share Based Compensation and Related Benefits

In 2013, 2012 and 2011, we recorded share-based compensation and related benefits as follows:

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Share-based compensation expense	$	25,413		$	21,861		$	18,221
Income tax benefit related to share-based compensation expense	(7,989		)	(6,011		)	(4,833		)
Capitalized compensation costs	2,809			2,647			1,466

Unrecognized Share Based Compensation Expense

As of December 31, 2013, unrecognized share-based compensation expense was as follows:

(Dollars in thousands)	Unrecognized   Expense		Average Expected Recognition   Period - in Years
Stock options	$	14,978	2.51
Restricted stock units	30,374		2.54
Total unrecognized share-based compensation expense	$	45,352

Weighted Average Assumptions and Fair Values Used for Employee Stock Options and Restricted Stock Units

The following weighted average assumptions and fair values were used for our employee stock options and restricted stock units:

Equity incentive plan awards	2013			2012			2011
Weighted average expected term of options in years	4.7			4.6			4.6
Weighted average expected volatility of the Company's underlying common stock	44.6		%	50.4		%	48.7		%
Risk-free interest rate	0.70			0.83			2.00
Expected dividend yield	—			—			—
Weighted average grant date fair value-stock options	$	27.28		$	27.00		$	25.12
Weighted average grant date fair value-restricted stock units	71.57			63.07			59.69

Weighted Average Assumptions and Fair Values Used for ESPP

The following weighted average assumptions and fair values were used for our ESPP:

ESPP	2013			2012			2011
Expected term in years	0.5			0.5			0.5
Weighted average expected volatility of the Company's underlying common stock	22.3		%	43.5		%	27.3		%
Risk-free interest rate	0.11			0.11			0.15
Expected dividend yield	—			—			—
Weighted average fair value	$	15.35		$	14.43		$	13.02

Stock Option Information Related to Equity Incentive Plan

The table below provides stock option information related to the 1997 Equity Incentive Plan and the 2006 Equity Incentive Plan for the year ended December 31, 2013:

	Options		Weighted Average  Exercise Price		Weighted Average Remaining Contractual   Life in Years	Aggregate   Intrinsic Value   of In-The- Money Options
Outstanding at December 31, 2012	2,060,413		$	49.15
Granted	313,472		71.68
Exercised	(796,101	)	45.74
Forfeited	(62,672	)	57.18
Expired	(953	)	51.86
Outstanding at December 31, 2013	1,514,159		55.27		4.27	$	75,092,637
Vested and expected to vest at December 31, 2013	1,468,430		54.91		4.23	73,347,808
Exercisable at December 31, 2013	680,684		44.50		3.01	41,087,846

Stock Options Outstanding

The following table summarizes information regarding stock options outstanding as of December 31, 2013:

	Outstanding Options				Exercisable Options
Range of Exercise Prices	Shares	Weighted Average  Remaining Contractual Life in Years	Weighted Average Exercise  Price		Shares	Weighted Average Exercise  Price
$19.48-31.13	172,546	2.33	$	21.14	172,546	$	21.14
31.14-48.46	155,853	2.98	44.87		116,455	45.08
48.47-49.01	106,426	1.36	48.76		105,713	48.76
49.02-54.19	179,865	3.34	49.47		113,889	49.44
54.20-60.51	274,356	4.40	59.94		108,683	60.08
60.52-63.62	10,044	5.26	62.63		2,484	62.66
63.63-64.40	298,493	5.33	64.37		60,120	64.37
64.41-73.76	305,279	6.32	71.03		794	64.43
$73.77-95.64	11,297	6.60	86.90		—	—
	1,514,159	4.27	55.27		680,684	44.50

Information for Restricted Stock Units under Equity Incentive Plan

The table below provides information for restricted stock units under the 2006 Equity Incentive Plan for the year ended December 31, 2013:

	Shares		Weighted Average     Grant Date Fair     Value
Nonvested at December 31, 2012	585,543		$	59.42
Granted	328,905		71.57
Vested	(190,438	)	57.44
Forfeited	(41,663	)	62.34
Nonvested at December 31, 2013	682,347		65.93

Summary of Information Regarding Stock Option and Restricted Stock Activity

The following table summarizes information regarding stock option and restricted stock activity during 2013, 2012 and 2011:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Total intrinsic value of stock options exercised	$	25,520	$	17,419	$	20,772
Total grant date fair value of stock options vested	18,168		17,169		14,771
Total intrinsic value of restricted stock vested	14,176		12,747		9,142
Total grant date fair value of restricted stock vested	10,940		10,176		7,240

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Subsequent Events Impact of change in stock price (Details) (USD $)	12 Months Ended			3 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Mar. 31, 2014 Forecast Fair value accounting Parent Equity Warrant Asset, Public Portfolio Subsequent Event	Mar. 31, 2014 Forecast Fair value accounting With sales restrictions discount Subsequent Event	Mar. 31, 2014 Forecast Fair value accounting With sales restrictions discount Parent Subsequent Event	Mar. 31, 2014 Forecast Fair value accounting With sales restrictions discount Parent Non-marketable securities Subsequent Event	Mar. 31, 2014 Forecast Fair value accounting With sales restrictions discount Noncontrolling Interest [Member] Non-marketable securities Subsequent Event	Mar. 31, 2014 Forecast Fair value accounting Without sales restrictions discount Subsequent Event	Mar. 31, 2014 Forecast Fair value accounting Without sales restrictions discount Parent Subsequent Event	Mar. 31, 2014 Forecast Fair value accounting Without sales restrictions discount Parent Non-marketable securities Subsequent Event	Mar. 31, 2014 Forecast Fair value accounting Without sales restrictions discount Noncontrolling Interest [Member] Non-marketable securities Subsequent Event	Dec. 31, 2013 FireEye	Feb. 25, 2014 FireEye Subsequent Event
Subsequent Event [Line Items]
Closing stock price, in dollars per share	$ 104.86												$ 43.61	$ 80.00
Gain (loss) on specified investments and derivative instruments, pretax						$ 53,000,000				$ 63,000,000
Gains on derivative instruments, net	42,184,000	18,679,000	36,798,000	13,000,000
Gains on investment securities, net	$ 419,408,000	$ 122,114,000	$ 195,034,000		$ 200,000,000		$ 40,000,000	$ 160,000,000	$ 250,000,000		$ 50,000,000	$ 200,000,000

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Fair Value of Financial Instruments Quantitative Information About Significant Unobservable Inputs (Detail) (Significant Unobservable Inputs (Level 3), USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012
Equity Warrant Asset, Public Portfolio | Other assets
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Valuation Technique	Modified Black-Scholes option pricing model
Sales Restrictions Discount	13.70%	[1]
Volatility	41.30%
Risk-Free interest rate	1.70%
Equity Warrant Asset, Public Portfolio | Investments [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 24,217
Equity Warrant Asset, Private Portfolio | Other assets
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Valuation Technique	Modified Black-Scholes option pricing model		Modified Black-Scholes option pricing model
Volatility	40.10%		45.20%
Risk-Free interest rate	0.80%		0.40%
Marketability Discount	22.50%	[2]	22.50%	[2]
Remaining Life Assumption	45.00%	[3]	45.00%	[3]
Equity Warrant Asset, Private Portfolio | Investments [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	75,674		66,129
Other venture capital investments | Fair value accounting
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	32,839		127,091
Valuation Technique	Private company equity pricing		Private company equity pricing
Other Securities | Fair value accounting
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 319,249
Valuation Technique	Modified stock price
Sales Restrictions Discount	12.00%	[1]

[1] We adjust quoted market prices of public companies which are subject to certain sales restrictions. Sales restriction discounts generally range from 10 percent to 20 percent depending on the duration of the sales restrictions which typically range from 3 to 6 months.

[2] Our marketability discount is applied to all private company warrants to account for a general lack of liquidity due to the private nature of the associated underlying company. The quantitative measure used is based on long-run averages and is influenced over time by various factors, including market conditions. On a quarterly basis, a sensitivity analysis is performed on our marketability discount.

[3] We adjust the contractual remaining term of private company warrants based on our best estimate of the actual remaining life, which we determine by utilizing historical data on cancellations and exercises. At December 31, 2013, the weighted average contractual remaining term was 6.3 years, compared to our estimated remaining life of 2.8 years. On a quarterly basis, a sensitivity analysis is performed on our remaining life assumption.

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Share-Based Compensation Weighted Average Assumptions and Fair Values Used for Employee Stock Options and Restricted Stock Units (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Share based Compensation Arrangement by Share based Payment Award, Fair Value Assumptions, Method Used [Line Items]
Weighted average grant date fair value-restricted stock units	$ 71.57
Equity Incentive Plan
Share based Compensation Arrangement by Share based Payment Award, Fair Value Assumptions, Method Used [Line Items]
Weighted average expected term of options in years	4 years 8 months 12 days	4 years 7 months 6 days	4 years 7 months 6 days
Weighted average expected volatility of the Company's underlying common stock	44.60%	50.40%	48.70%
Risk-free interest rate	0.70%	0.83%	2.00%
Expected dividend yield	$ 0.00	$ 0.00	$ 0.00
Weighted average grant date fair value-stock options	$ 27.28	$ 27.00	$ 25.12
Weighted average grant date fair value-restricted stock units	$ 71.57	$ 63.07	$ 59.69

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Employee Compensation and Benefit Plans

12 Months Ended

Dec. 31, 2013

Compensation and Retirement Disclosure [Abstract]

Employee Compensation and Benefit Plans

Employee Compensation and Benefit Plans

Our employee compensation and benefit plans include:  (i) Incentive Compensation Plan; (ii) Direct Drive Incentive Compensation Plan; (iii) Retention Program; (iv) Warrant Incentive Plan; (v) 401(k) and ESOP; (vi) EHOP; and (vii) Deferred Compensation Plan; (viii) equity incentive plans; (ix) ESPP. The Equity Incentive Plans and the ESPP are described in Note 4–“Share-Based Compensation.”

A summary of expenses incurred under certain employee compensation and benefit plans for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Incentive Compensation Plans	$	70,164	$	48,344	$	67,008
Direct Drive Incentive Compensation Plan	22,941		24,556		17,745
Retention Program	2,577		2,076		2,430
Warrant Incentive Plan	5,818		2,523		2,473
SVBFG 401(k) Plan	11,277		9,947		8,164
SVBFG ESOP	7,429		10,324		8,652

Incentive Compensation Plan

Our Incentive Compensation Plan (“ICP”) is an annual cash incentive plan that rewards performance based on our financial results and other performance criteria. Awards are made based on company performance, the employee's target bonus level, and management's assessment of individual employee performance.

Direct Drive Incentive Compensation Plan

The Direct Drive Incentive Compensation Plan (“Direct Drive”) is an annual sales incentive program. Awards are based on sales teams' performance to predetermined financial targets and other company/individual performance criteria. Actual awards for each sales team member under Direct Drive are based on: (i) the actual results and financial performance with respect to the incentive gross profit targets; (ii) the sales team payout targets; and (iii) the sales team member's sales position and team payout allocation.

Retention Program

The Retention Program (“RP”) is a long-term incentive plan that allows designated employees to share directly in our investment success. Plan participants are granted an interest in the distributions of gains from certain designated investments made by us during the applicable year. Specifically, participants share in: (i) returns from designated investments made by us, including investments in certain venture capital and private equity funds, debt funds, and direct equity investments in companies; (ii) income realized from the exercise of, and the subsequent sale of shares obtained through the exercise of, warrants held by us; and (iii) other designated amounts as determined by us. No new participants are being added and no new investments will be designated to the plan.

Warrant Incentive Plan

The Warrant Incentive Plan provides individual and team awards to those employees who negotiate warrants on our behalf. Designated participants, as determined by the Company, share in the cash proceeds received by the Company from the exercise of equity warrant assets.

401(k) and ESOP

The 401(k) Plan and ESOP, collectively referred to as the “Plan”, is a combined 401(k) tax-deferred savings plan and employee stock ownership plan in which all regular U.S. employees are eligible to participate.

Employees participating in the 401(k) Plan are allowed to contribute up to 75 percent of their pre-tax pay as defined in the Plan, up to the maximum annual amount allowable under federal income tax regulations of $17,500 for the year 2013, $17,000 for the year 2012 and $16,500 for 2011. We match the employee's contributions dollar-for-dollar, up to 5 percent of the employee's pre-tax pay as defined in the Plan. Our matching contributions vest immediately. The amount of salary deferred, up to the allowed maximum, is not subject to federal or state income taxes at the time of deferral.

Discretionary ESOP contributions, based on our company performance, are made by us to all eligible individuals employed by us on the last day of the fiscal year. We may elect to contribute cash or our common stock (or a combination of cash and stock), in an amount not exceeding 10 percent of the employee's eligible pay earned in the fiscal year. The ESOP contributions vest in equal annual increments over five years during a participant's first five years of service (thereafter all subsequent ESOP contributions are fully vested).

EHOP

The EHOP is a benefit plan that provides for the issuance of mortgage loans at favorable interest rates to eligible employees. Eligible employees may apply for a fixed-rate mortgage for their primary residence, which is due and payable in either five or seven years and is based on amortization over a 30 year period. Applicants must qualify for a loan through the normal mortgage review and approval process, which is typical of industry standards. The maximum loan amount generally cannot be greater than 80 percent of the lesser of the purchase price or the appraised value. The interest rate on the loan is written at the then market rate for five year (5/1) or seven year (7/1) mortgage loans as determined by us. However, provided that the applicant continues to meet all the eligibility requirements, including employment, the actual rate charged to the borrower shall be up to 2 percent below the market rate. The loan rate shall not be less than the greater of either the jumbo conforming market rate (corresponding to the maturity of the loan) or the monthly Applicable Federal Rate for medium-term loans as published by the Internal Revenue Service. The loan rate will be fixed at the time of approval and locked in for 30 days.

Deferred Compensation Plan

Under the Deferred Compensation Plan (the “DC Plan”), eligible employees may elect to defer up to 50 percent of their base salary and/or up to 100 percent of any eligible bonus payment to which they are entitled, for a period of 12 consecutive months, beginning January 1 and ending December 31. Any amounts deferred under the DC Plan will be invested and administered by us (or such person we designate). We do not match employee deferrals to the DC Plan.

Voluntary deferrals under the DC Plan were $3.6 million, $3.2 million and $1.3 million in 2013, 2012 and 2011, respectively. From time to time, we may also designate special retention incentives as mandatory deferrals under this plan during the retention qualifying period. As of December 31, 2013, mandatory special retention incentives totaled $12.5 million. The DC Plan over all, had investment gains of $1.8 million in 2013, gains of $0.7 million in 2012 and losses of $0.1 million in 2011.

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Reserves on Deposit with the Federal Reserve Bank and Federal Bank Stock (Tables)

12 Months Ended

Dec. 31, 2013

Reserves on Deposit with the Federal Reserve Bank and Federal Bank Stock [Abstract]

Average Required Reserve Balances

The tables below provide information on the required reserve balances at the Federal Reserve, as well as shares held at the FHLB and FRB for the years ended and as of December 31, 2013 and 2012:

	Year ended December 31,
(Dollars in thousands)	2013		2012
Average required reserve balances at FRB San Francisco	$	131,374	$	112,173

Shares Held at Federal Reserve Bank and Federal Home Loan Bank

	December 31,
(Dollars in thousands)	2013		2012
FHLB stock holdings	$	25,000	$	25,000
FRB stock holdings	15,632		14,806

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Deposits Composition of Deposits (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Deposits [Abstract]
Noninterest-bearing demand deposits	$ 15,894,360	$ 13,875,275
Negotiable order of withdrawal (NOW)	151,746	133,260
Money market	4,373,974	2,969,769
Money market deposits in foreign offices	181,299	110,915
Sweep deposits in foreign offices	1,657,740	1,932,045
Time	213,860	155,188
Total deposits	$ 22,472,979	$ 19,176,452

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Total Capital Commitments, Unfunded Capital Commitments, and Our Ownership in Each Fund (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013
Venture Capital and Private Equity Fund Investments [Line Items]
Unfunded Commitments	$ 428,139
SVB Strategic Investors Fund, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Unfunded Commitments	2,266
SVB Strategic Investors Fund II, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Unfunded Commitments	7,251
SVB Strategic Investors Fund III, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Unfunded Commitments	22,996
SVB Strategic Investors Fund IV, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Unfunded Commitments	61,526
Strategic Investors Fund V Funds
Venture Capital and Private Equity Fund Investments [Line Items]
Unfunded Commitments	231,033
Strategic Investors Fund VI Funds [Member]
Venture Capital and Private Equity Fund Investments [Line Items]
Unfunded Commitments	76,906
SVB Capital Preferred Return Fund, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Unfunded Commitments	10,309
SVB Capital-NT Growth Partners, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Unfunded Commitments	12,060
Other private equity fund
Venture Capital and Private Equity Fund Investments [Line Items]
Unfunded Commitments	3,792
Parent Company
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	507,002
Unfunded Commitments	70,971
Parent Company | Silicon Valley BancVentures, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	6,000
Unfunded Commitments	270
Ownership of each Fund	10.70%	[1]
Parent Company | SVB Capital Partners II, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	1,200	[2]
Unfunded Commitments	162	[2]
Ownership of each Fund	5.10%	[1],[2]
Parent Company | SVB Capital Shanghai Yangpu Venture Capital Fund
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	949
Unfunded Commitments	163
Ownership of each Fund	6.80%	[1]
Parent Company | SVB Strategic Investors Fund, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	15,300
Unfunded Commitments	688
Ownership of each Fund	12.60%	[1]
Parent Company | SVB Strategic Investors Fund II, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	15,000
Unfunded Commitments	1,050
Ownership of each Fund	8.60%	[1]
Parent Company | SVB Strategic Investors Fund III, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	15,000
Unfunded Commitments	1,688
Ownership of each Fund	5.90%	[1]
Parent Company | SVB Strategic Investors Fund IV, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	12,239
Unfunded Commitments	3,060
Ownership of each Fund	5.00%	[1]
Parent Company | Strategic Investors Fund V Funds
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	515
Unfunded Commitments	330
Parent Company | Strategic Investors Fund VI Funds [Member]
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	500
Unfunded Commitments	483
Ownership of each Fund	0.20%	[1]
Parent Company | SVB Capital Preferred Return Fund, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	12,688
Unfunded Commitments	0
Ownership of each Fund	20.00%	[1]
Parent Company | SVB Capital-NT Growth Partners, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	24,670
Unfunded Commitments	1,340
Ownership of each Fund	33.00%	[1]
Parent Company | Other private equity fund
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	9,338	[3]
Unfunded Commitments	0	[3]
Ownership of each Fund	58.20%	[1],[3]
Parent Company | Partners for Growth, LP
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	25,000
Unfunded Commitments	9,750
Ownership of each Fund	50.00%	[1]
Parent Company | Debt Funds (Equity Method Accounting) [Member]
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	65,417
Unfunded Commitments	4,950
Parent Company | Other Fund Investments
Venture Capital and Private Equity Fund Investments [Line Items]
Capital Commitments	303,186	[4]
Unfunded Commitments	$ 47,037	[4]

[1] We are subject to the Volcker Rule which restricts or limits us from sponsoring or having ownership interests in “covered” funds including venture capital and private equity funds. See “Business - Supervision and Regulation” under Item 1 of Part I of this report.

[2] Our ownership includes direct ownership of 1.3 percent and indirect ownership of 3.8 percent through our investment in SVB Strategic Investors Fund II, LP.

[3] Our ownership includes direct ownership of 41.5 percent and indirect ownership interests of 12.6 percent and 4.1 percent in the fund through our ownership interest of SVB Capital - NT Growth Partners, LP and SVB Capital Preferred Return Fund, LP, respectively.

[4] Represents commitments to 293 funds (primarily venture capital funds) where our ownership interest is generally less than 5 percent of the voting interests of each such fund.

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Off-Balance Sheet Arrangements, Guarantees and Other Commitments

12 Months Ended

Dec. 31, 2013

Disclosure Off Balance Sheet Arrangements Guarantees And Other Commitments Additional Information [Abstract]

Off-Balance Sheet Arrangements, Guarantees and Other Commitments

Off-Balance Sheet Arrangements, Guarantees and Other Commitments

Operating Leases

We are obligated under a number of noncancelable operating leases for premises and equipment that expire at various dates, through 2025, and in most instances, include options to renew or extend at market rates and terms. Such leases may provide for periodic adjustments of rentals during the term of the lease based on changes in various economic indicators. The following table presents minimum future payments under noncancelable operating leases as of December 31, 2013:

Year ended December 31, (dollars in thousands) :	Amount
2014	$	16,111
2015	19,809
2016	19,630
2017	18,421
2018	17,550
2019 and thereafter	71,212
Net minimum operating lease payments	$	162,733

Rent expense for premises and equipment leased under operating leases totaled $16.3 million, $14.5 million and $11.9 million in 2013, 2012 and 2011, respectively.

Commitments to Extend Credit

A commitment to extend credit is a formal agreement to lend funds to a client as long as there is no violation of any condition established in the agreement. Such commitments generally have fixed expiration dates, or other termination clauses, and usually require a fee paid by the client upon us issuing the commitment. The following table summarizes information related to our commitments to extend credit at December 31, 2013 and 2012, respectively:

	December 31,
(Dollars in thousands)	2013		2012
Loan commitments available for funding: (1)
Fixed interest rate commitments	$	1,392,781	$	862,120
Variable interest rate commitments	9,101,973		6,906,580
Total loan commitments available for funding	10,494,754		7,768,700
Commercial and standby letters of credit (2)	975,968		842,091
Total unfunded credit commitments	$	11,470,722	$	8,610,791
Commitments unavailable for funding (3)	$	1,006,168	$	1,315,072
Maximum lending limits for accounts receivable factoring arrangements (4)	894,276		880,057
Reserve for unfunded credit commitments (5)	29,983		22,299

(1) Represents commitments which are available for funding, due to clients meeting all collateral, compliance and financial covenants required under loan commitment agreements.

(2) See below for additional information on our commercial and standby letters of credit.

(3) Represents commitments which are currently unavailable for funding, due to clients failing to meet all collateral, compliance and financial covenants under loan commitment agreements.

(4) We extend credit under accounts receivable factoring arrangements when our clients’ sales invoices are deemed creditworthy under existing underwriting practices.

(5) Our reserve for unfunded credit commitments includes an allowance for both our unfunded loan commitments and our letters of credit.

Our potential exposure to credit loss for commitments to extend credit, in the event of nonperformance by the other party to the financial instrument, is the contractual amount of the available unused loan commitment. We use the same credit approval and monitoring process in extending credit commitments as we do in making loans. The actual liquidity needs and the credit risk that we have experienced have historically been lower than the contractual amount of commitments to extend credit because a significant portion of these commitments expire without being drawn upon. We evaluate each potential borrower and the necessary collateral on an individual basis. The type of collateral varies, but may include real property, intellectual property, bank deposits, or business and personal assets. The credit risk associated with these commitments is considered in the reserve for unfunded credit commitments.

Commercial and Standby Letters of Credit

Commercial and standby letters of credit represent conditional commitments issued by us on behalf of a client to guarantee the performance of the client to a third party when certain specified future events have occurred. Commercial letters of credit are issued primarily for inventory purchases by a client and are typically short-term in nature. We provide two types of standby letters of credit: performance and financial standby letters of credit. Performance standby letters of credit are issued to guarantee the performance of a client to a third party when certain specified future events have occurred and are primarily used to support performance instruments such as bid bonds, performance bonds, lease obligations, repayment of loans, and past due notices. Financial standby letters of credit are conditional commitments issued by us to guarantee the payment by a client to a third party (beneficiary) and are primarily used to support many types of domestic and international payments. These standby letters of credit have fixed expiration dates and generally require a fee to be paid by the client at the time we issue the commitment. Fees generated from these standby letters of credit are recognized in noninterest income over the commitment period using the straight-line method.

The credit risk involved in issuing letters of credit is essentially the same as that involved with extending credit commitments to clients, and accordingly, we use a credit evaluation process and collateral requirements similar to those for credit commitments. Our standby letters of credit often are cash secured by our clients. The actual liquidity needs and the credit risk that we have experienced historically have been lower than the contractual amount of letters of credit issued because a significant portion of these conditional commitments expire without being drawn upon.

The table below summarizes our commercial and standby letters of credit at December 31, 2013. The maximum potential amount of future payments represents the amount that could be remitted under letters of credit if there were a total default by the guaranteed parties, without consideration of possible recoveries under recourse provisions or from the collateral held or pledged.

(Dollars in thousands)	Expires In One Year or Less		Expires After One Year		Total Amount Outstanding		Maximum Amount of Future  Payments
Financial standby letters of credit	$	845,120	$	52,962	$	898,082	$	898,082
Performance standby letters of credit	58,938		11,190		70,128		70,128
Commercial letters of credit	7,758		—		7,758		7,758
Total	$	911,816	$	64,152	$	975,968	$	975,968

At December 31, 2013 and 2012, deferred fees related to financial and performance standby letters of credit were $8 million and $6 million, respectively. At December 31, 2013, collateral in the form of cash of $230 million and available-for-sale securities of $186 million were available to us to reimburse losses, if any, under financial and performance standby letters of credit.

Commitments to Invest in Venture Capital and Private Equity Funds

We make commitments to invest in venture capital and private equity funds, which in turn make investments generally in, or in some cases make loans to, privately-held companies. Commitments to invest in these funds are generally made for a 10-year period from the inception of the fund. Although the limited partnership agreements governing these investments typically do not restrict the general partners from calling 100% of committed capital in one year, it is customary for these funds to generally call most of the capital commitments over 5 to 7 years; however in certain cases, the funds may not call 100% of committed capital over the life of the fund. The actual timing of future cash requirements to fund these commitments is generally dependent upon the investment cycle, overall market conditions, and the nature and type of industry in which the privately held companies operate. The following table details our total capital commitments, unfunded capital commitments, and our ownership percentage in each fund at December 31, 2013:

Our Ownership in Venture Capital/Private Equity Funds  (dollars in thousands)	SVBFG Capital Commitments		SVBFG Unfunded     Commitments		SVBFG Ownership   of each Fund (4)
Silicon Valley BancVentures, LP	$	6,000	$	270	10.7	%
SVB Capital Partners II, LP (1)	1,200		162		5.1
SVB Capital Shanghai Yangpu Venture Capital Fund	949		163		6.8
SVB Strategic Investors Fund, LP	15,300		688		12.6
SVB Strategic Investors Fund II, LP	15,000		1,050		8.6
SVB Strategic Investors Fund III, LP	15,000		1,688		5.9
SVB Strategic Investors Fund IV, LP	12,239		3,060		5.0
Strategic Investors Fund V Funds	515		330		Various
Strategic Investors Fund VI Funds	500		483		0.2
SVB Capital Preferred Return Fund, LP	12,688		—		20.0
SVB Capital—NT Growth Partners, LP	24,670		1,340		33.0
Other private equity fund (2)	9,338		—		58.2
Partners for Growth, LP	25,000		9,750		50.0
Debt funds (equity method accounting)	65,417		4,950		Various
Other fund investments (3)	303,186		47,037		Various
Total	$	507,002	$	70,971

(1) Our ownership includes direct ownership of 1.3 percent and indirect ownership of 3.8 percent through our investment in SVB Strategic Investors Fund II, LP.

(2) Our ownership includes direct ownership of 41.5 percent and indirect ownership interests of 12.6 percent and 4.1 percent in the fund through our ownership interest of SVB Capital - NT Growth Partners, LP and SVB Capital Preferred Return Fund, LP, respectively.

(3) Represents commitments to 293 funds (primarily venture capital funds) where our ownership interest is generally less than 5 percent of the voting interests of each such fund.

(4) We are subject to the Volcker Rule which restricts or limits us from sponsoring or having ownership interests in “covered” funds including venture capital and private equity funds. See “Business - Supervision and Regulation” under Item 1 of Part I of this report.

The following table details the amounts of remaining unfunded commitments to venture capital and private equity funds by our consolidated managed funds of funds (including our interest and the noncontrolling interests) at December 31, 2013:

Limited Partnership  (Dollars in thousands)	Unfunded     Commitments
SVB Strategic Investors Fund, LP	$	2,266
SVB Strategic Investors Fund II, LP	7,251
SVB Strategic Investors Fund III, LP	22,996
SVB Strategic Investors Fund IV, LP	61,526
Strategic Investors Fund V Funds	231,033
Strategic Investors Fund VI Funds	76,906
SVB Capital Preferred Return Fund, LP	10,309
SVB Capital—NT Growth Partners, LP	12,060
Other private equity fund	3,792
Total	$	428,139

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Share-Based Compensation Stock Options Outstanding (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Outstanding Options, Shares	1,514,159
Outstanding Options ,Weighted Average Remaining Contractual Life in Years	4 years 3 months 7 days
Outstanding Options, Weighted Average Exercise Price	$ 55.27
Exercisable Options, Shares	680,684
Exercisable Options, Weighted Average Exercise Price	$ 44.50
$19.48 - $31.13
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of Exercise Prices, minimum	$ 19.48
Range of Exercise Prices, maximum	$ 31.13
Outstanding Options, Shares	172,546
Outstanding Options ,Weighted Average Remaining Contractual Life in Years	2 years 3 months 29 days
Outstanding Options, Weighted Average Exercise Price	$ 21.14
Exercisable Options, Shares	172,546
Exercisable Options, Weighted Average Exercise Price	$ 21.14
$31.14 - $48.46
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of Exercise Prices, minimum	$ 31.14
Range of Exercise Prices, maximum	$ 48.46
Outstanding Options, Shares	155,853
Outstanding Options ,Weighted Average Remaining Contractual Life in Years	2 years 11 months 23 days
Outstanding Options, Weighted Average Exercise Price	$ 44.87
Exercisable Options, Shares	116,455
Exercisable Options, Weighted Average Exercise Price	$ 45.08
$48.47 - $49.01
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of Exercise Prices, minimum	$ 48.47
Range of Exercise Prices, maximum	$ 49.01
Outstanding Options, Shares	106,426
Outstanding Options ,Weighted Average Remaining Contractual Life in Years	1 year 4 months 10 days
Outstanding Options, Weighted Average Exercise Price	$ 48.76
Exercisable Options, Shares	105,713
Exercisable Options, Weighted Average Exercise Price	$ 48.76
$49.02 - $54.19
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of Exercise Prices, minimum	$ 49.02
Range of Exercise Prices, maximum	$ 54.19
Outstanding Options, Shares	179,865
Outstanding Options ,Weighted Average Remaining Contractual Life in Years	3 years 4 months 2 days
Outstanding Options, Weighted Average Exercise Price	$ 49.47
Exercisable Options, Shares	113,889
Exercisable Options, Weighted Average Exercise Price	$ 49.44
$54.20 - $60.51
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of Exercise Prices, minimum	$ 54.20
Range of Exercise Prices, maximum	$ 60.51
Outstanding Options, Shares	274,356
Outstanding Options ,Weighted Average Remaining Contractual Life in Years	4 years 4 months 24 days
Outstanding Options, Weighted Average Exercise Price	$ 59.94
Exercisable Options, Shares	108,683
Exercisable Options, Weighted Average Exercise Price	$ 60.08
$60.52 - $63.62
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of Exercise Prices, minimum	$ 60.52
Range of Exercise Prices, maximum	$ 63.62
Outstanding Options, Shares	10,044
Outstanding Options ,Weighted Average Remaining Contractual Life in Years	5 years 3 months 4 days
Outstanding Options, Weighted Average Exercise Price	$ 62.63
Exercisable Options, Shares	2,484
Exercisable Options, Weighted Average Exercise Price	$ 62.66
$63.63 - $64.40
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of Exercise Prices, minimum	$ 63.63
Range of Exercise Prices, maximum	$ 64.40
Outstanding Options, Shares	298,493
Outstanding Options ,Weighted Average Remaining Contractual Life in Years	5 years 3 months 29 days
Outstanding Options, Weighted Average Exercise Price	$ 64.37
Exercisable Options, Shares	60,120
Exercisable Options, Weighted Average Exercise Price	$ 64.37
$64.41 - $73.76
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of Exercise Prices, minimum	$ 64.41
Range of Exercise Prices, maximum	$ 73.76
Outstanding Options, Shares	305,279
Outstanding Options ,Weighted Average Remaining Contractual Life in Years	6 years 3 months 26 days
Outstanding Options, Weighted Average Exercise Price	$ 71.03
Exercisable Options, Shares	794
Exercisable Options, Weighted Average Exercise Price	$ 64.43
$73.77 - $95.64
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of Exercise Prices, minimum	$ 73.77
Range of Exercise Prices, maximum	$ 95.64
Outstanding Options, Shares	11,297
Outstanding Options ,Weighted Average Remaining Contractual Life in Years	6 years 7 months 6 days
Outstanding Options, Weighted Average Exercise Price	$ 86.90
Exercisable Options, Shares	0
Exercisable Options, Weighted Average Exercise Price	$ 0.00

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Derivative Financial Instruments Master Netting Arrangements (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Assets and Liabilities Subject to Master Netting Arrangements [Line Items]
Gross Amounts Of Recognized Assets	$ 196,346		$ 156,683
Gross Assets Offset Under Master Netting Arrangements	(70)		(222)
Net Amounts Of Assets Presented in Statement Of Financial Position	196,276		156,461
Net Amounts Of Assets Presented in Statement Of Financial Position	14,013		13,437
Gross Assets Subect To Master Netting Arrangement Not Offset	(181,547)		(144,195)
Cash Collateral Received Subject to Master Netting Arrangements	5,080		6,110
Net Assets After Deducting Amounts Subject to Master Netting Arrangements	9,649		6,156
Gross Amounts Of Recognized Liabilities	14,083		13,659
Gross Liabilities Offset Under Master Netting Arrangements	(70)		(222)
Gross Liabilities Subect To Master Netting Arrangement Not Offset	(9,648)		(6,920)
Cash Collateral Pledged Subject to Master Netting Arrangements	0		0
Net Liabilities After Deducting Amounts Subject to Master Netting Arrangements	4,365		6,517
Securities purchased under agreements to resell	172,989	[1]	133,357	[1]
Derivative [Member]
Assets and Liabilities Subject to Master Netting Arrangements [Line Items]
Gross Amounts Of Recognized Assets	23,357		23,326
Gross Assets Offset Under Master Netting Arrangements	(70)		(222)
Net Amounts Of Assets Presented in Statement Of Financial Position	23,287		23,104
Net Amounts Of Assets Presented in Statement Of Financial Position	14,013		13,437
Gross Assets Subect To Master Netting Arrangement Not Offset	(8,558)		(10,838)
Cash Collateral Received Subject to Master Netting Arrangements	5,080		6,110
Net Assets After Deducting Amounts Subject to Master Netting Arrangements	9,649		6,156
Gross Amounts Of Recognized Liabilities	14,083		13,659
Gross Liabilities Offset Under Master Netting Arrangements	(70)		(222)
Gross Liabilities Subect To Master Netting Arrangement Not Offset	(9,648)		(6,920)
Cash Collateral Pledged Subject to Master Netting Arrangements	0		0
Net Liabilities After Deducting Amounts Subject to Master Netting Arrangements	4,365		6,517
Derivative [Member] | Interest rate swaps
Assets and Liabilities Subject to Master Netting Arrangements [Line Items]
Gross Amounts Of Recognized Assets	6,492		9,005
Gross Assets Offset Under Master Netting Arrangements	0		0
Net Amounts Of Assets Presented in Statement Of Financial Position	6,492		9,005
Gross Assets Subect To Master Netting Arrangement Not Offset	(1,412)		(2,895)
Cash Collateral Received Subject to Master Netting Arrangements	5,080		6,110
Net Assets After Deducting Amounts Subject to Master Netting Arrangements	0		0
Derivative [Member] | Foreign exchange forwards
Assets and Liabilities Subject to Master Netting Arrangements [Line Items]
Gross Amounts Of Recognized Assets	15,096		12,352
Gross Assets Offset Under Master Netting Arrangements	0		0
Net Amounts Of Assets Presented in Statement Of Financial Position	15,096		12,352
Net Amounts Of Assets Presented in Statement Of Financial Position	12,183		11,658
Gross Assets Subect To Master Netting Arrangement Not Offset	(6,735)		(7,363)
Cash Collateral Received Subject to Master Netting Arrangements	0		0
Net Assets After Deducting Amounts Subject to Master Netting Arrangements	8,361		4,989
Gross Amounts Of Recognized Liabilities	12,183		11,658
Gross Liabilities Offset Under Master Netting Arrangements	0		0
Gross Liabilities Subect To Master Netting Arrangement Not Offset	(8,282)		(5,720)
Cash Collateral Pledged Subject to Master Netting Arrangements	0		0
Net Liabilities After Deducting Amounts Subject to Master Netting Arrangements	3,901		5,938
Derivative [Member] | Foreign currency options
Assets and Liabilities Subject to Master Netting Arrangements [Line Items]
Gross Amounts Of Recognized Assets	504		1,411
Gross Assets Offset Under Master Netting Arrangements	(70)		(222)
Net Amounts Of Assets Presented in Statement Of Financial Position	434		1,189
Net Amounts Of Assets Presented in Statement Of Financial Position	434		1,189
Gross Assets Subect To Master Netting Arrangement Not Offset	(155)		(556)
Cash Collateral Received Subject to Master Netting Arrangements	0		0
Net Assets After Deducting Amounts Subject to Master Netting Arrangements	279		633
Gross Amounts Of Recognized Liabilities	504		1,411
Gross Liabilities Offset Under Master Netting Arrangements	(70)		(222)
Gross Liabilities Subect To Master Netting Arrangement Not Offset	(279)		(633)
Cash Collateral Pledged Subject to Master Netting Arrangements	0		0
Net Liabilities After Deducting Amounts Subject to Master Netting Arrangements	155		556
Derivative [Member] | Client interest rate derivatives
Assets and Liabilities Subject to Master Netting Arrangements [Line Items]
Gross Amounts Of Recognized Assets	1,265		558
Gross Assets Offset Under Master Netting Arrangements	0		0
Net Amounts Of Assets Presented in Statement Of Financial Position	1,265		558
Net Amounts Of Assets Presented in Statement Of Financial Position	1,396		590
Gross Assets Subect To Master Netting Arrangement Not Offset	(256)		(24)
Cash Collateral Received Subject to Master Netting Arrangements	0		0
Net Assets After Deducting Amounts Subject to Master Netting Arrangements	1,009		534
Gross Amounts Of Recognized Liabilities	1,396		590
Gross Liabilities Offset Under Master Netting Arrangements	0		0
Gross Liabilities Subect To Master Netting Arrangement Not Offset	(1,087)		(567)
Cash Collateral Pledged Subject to Master Netting Arrangements	0		0
Net Liabilities After Deducting Amounts Subject to Master Netting Arrangements	309		23
Reverse Repurchase Securities Borrowing And Similar Arrangements [Member]
Assets and Liabilities Subject to Master Netting Arrangements [Line Items]
Gross Amounts Of Recognized Assets	172,989		133,357
Gross Assets Offset Under Master Netting Arrangements	0		0
Net Amounts Of Assets Presented in Statement Of Financial Position	172,989		133,357
Net Amounts Of Assets Presented in Statement Of Financial Position	0		0
Gross Assets Subect To Master Netting Arrangement Not Offset	(172,989)		(133,357)
Cash Collateral Received Subject to Master Netting Arrangements	0		0
Net Assets After Deducting Amounts Subject to Master Netting Arrangements	0		0
Gross Amounts Of Recognized Liabilities	0		0
Gross Liabilities Offset Under Master Netting Arrangements	0		0
Gross Liabilities Subect To Master Netting Arrangement Not Offset	0		0
Cash Collateral Pledged Subject to Master Netting Arrangements	0		0
Net Liabilities After Deducting Amounts Subject to Master Netting Arrangements	$ 0		$ 0

[1] At December 31, 2013 and 2012, securities purchased under agreements to resell were collateralized by U.S. Treasury securities and U.S. agency securities with aggregate fair values of $176 million and $136 million, respectively. None of these securities received as collateral were sold or repledged as of December 31, 2013 and 2012.

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Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Cash flows from operating activities:
Net income before noncontrolling interests	$ 546,119	$ 249,813	$ 282,793
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	63,693	44,330	6,101
Provision for unfunded credit commitments	7,642	488	4,397
Changes in fair values of derivatives, net	(31,508)	(10,123)	(26,202)
Gains on investment securities, net	(419,408)	(122,114)	(195,034)
Depreciation and amortization	35,894	28,122	27,490
Amortization of premiums and discounts on available-for-sale securities, net	29,774	55,580	27,849
Tax benefit (expense) from stock exercises	(1,167)	2,189	798
Amortization of share-based compensation	25,413	21,861	18,221
Amortization of deferred loan fees	(73,008)	(58,517)	(61,158)
Deferred income tax expense	14,080	1,800	7,362
Gain on the sale of certain assets related to our equity services management business	0	(4,243)	0
Net gain from note repurchases and termination of corresponding interest rate swaps	0	0	(3,123)	[1]
Losses from the write-off of premises and equipment	1,308	5,972	105
Changes in other assets and liabilities:
Accrued interest receivable and payable, net	(3,241)	(6,254)	(12,370)
Accounts receivable and payable, net	(21)	35,221	(39,401)
Income tax payable and receivable, net	(24,811)	9,631	(809)
Accrued compensation	22,925	(15,918)	35,403
Foreign exchange spot contracts, net	2,086	(50,901)	62,747
Other, net	(22,684)	15,143	31,223
Net cash provided by operating activities	173,086	202,080	166,392
Cash flows from investing activities:
Purchases of available-for-sale securities	(3,336,476)	(3,877,852)	(7,127,525)
Proceeds from sales of available-for-sale securities	14,753	329,161	1,415,463
Proceeds from maturities and pay downs of available-for-sale securities	2,428,023	2,734,166	3,215,186
Purchases of nonmarketable securities (cost and equity method accounting)	(24,847)	(126,318)	(59,081)
Proceeds from sales of nonmarketable securities (cost and equity method accounting)	58,828	51,246	36,589
Purchases of non-marketable and other securities (fair value accounting)	(149,707)	(135,362)	(164,910)
Proceeds from sales and distributions of non-marketable and other securities (fair value accounting)	132,931	124,538	80,757
Net increase in loans	(1,943,650)	(1,964,250)	(1,429,702)
Proceeds from recoveries of charged-off loans	11,161	9,693	25,123
Purchases of premises and equipment	(31,312)	(40,232)	(30,856)
Proceeds from the sale of certain assets related to our equity services management business	0	2,870	0
Net cash used for investing activities	(2,840,296)	(2,892,340)	(4,038,956)
Cash flows from financing activities:
Net increase in deposits	3,296,527	2,466,916	2,372,595
(Decrease) increase in short-term borrowings	(161,030)	166,110	(37,245)
Principal payments of other long term debt	0	(1,222)	(4,179)
Capital contributions from noncontrolling interests, net of distributions	8,114	59,057	96,178
Tax benefit from stock exercises	6,826	5,581	6,342
Proceeds from issuance of common stock and ESPP	46,569	29,282	36,873
Principal payments of 5.70% Senior Notes	0	(141,429)	0
Payments for repurchases of portions of 5.70% Senior Notes and 6.05% Subordinated Notes, including repurchase premiums and associated fees	0	0	(346,443)
Proceeds from termination of portions of interest rate swaps associated with 5.70% Senior Notes and 6.05% Subordinated Notes	0	0	36,959
Payments for settlement of 3.875% Convertible Notes	0	0	(250,000)
Net cash provided by financing activities	3,197,006	2,584,295	1,911,080
Net increase (decrease) in cash and cash equivalents	529,796	(105,965)	(1,961,484)
Cash and cash equivalents at beginning of period	1,008,983	1,114,948	3,076,432
Cash and cash equivalents at end of period	1,538,779	1,008,983	1,114,948
Cash paid during the period for:
Interest	31,913	31,048	41,203
Income taxes	142,231	95,678	103,848
Noncash items during the period:
Changes in unrealized gains and losses on available-for-sale securities, net of tax	$ (154,013)	$ 23,612	$ 65,689

[1] Represents gains from the repurchase of $109 million of our 5.70% Senior Notes and $204 million of our 6.05% Subordinated Notes and the termination of the corresponding portions of interest rate swaps in 2011. For more information, see Note 11–"Short-Term Borrowings and Long-Term Debt."

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Consolidated Balance Sheets (Parenthetical) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Statement of Financial Position [Abstract]
Preferred stock, par value	$ 0.001	$ 0.001
Preferred stock, shares authorized	20,000,000	20,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 0.001	$ 0.001
Common stock, shares authorized	150,000,000	150,000,000
Common stock, shares outstanding	45,800,418	44,627,182

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Deposits

12 Months Ended

Dec. 31, 2013

Deposits [Abstract]

Deposits

Deposits

The following table presents the composition of our deposits at December 31, 2013 and 2012:

	December 31,
(Dollars in thousands)	2013		2012
Noninterest-bearing demand	$	15,894,360	$	13,875,275
Negotiable order of withdrawal (NOW)	151,746		133,260
Money market	4,373,974		2,969,769
Money market deposits in foreign offices	181,299		110,915
Sweep deposits in foreign offices	1,657,740		1,932,045
Time	213,860		155,188
Total deposits	$	22,472,979	$	19,176,452

The aggregate amount of time deposit accounts individually equal to or greater than $100,000 totaled $197 million and $133 million at December 31, 2013 and 2012, respectively. Interest expense paid on time deposits individually equal to or greater than $100,000 totaled $0.6 million, $0.5 million and $0.9 million in 2013, 2012 and 2011, respectively. At December 31, 2013, time deposit accounts individually equal to or greater than $100,000 totaling $197 million were scheduled to mature within one year.

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Short-Term Borrowings and Long-Term Debt - Additional Information (Detail) (USD $)	3 Months Ended								12 Months Ended							1 Months Ended	12 Months Ended		0 Months Ended		0 Months Ended		12 Months Ended		1 Months Ended							12 Months Ended			12 Months Ended
	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011		Dec. 31, 2013 Special Purpose Trust Entity	Dec. 31, 2012 Special Purpose Trust Entity	Dec. 31, 2011 Special Purpose Trust Entity	Sep. 30, 2010 5.375% Senior Notes	Dec. 31, 2013 5.375% Senior Notes	Dec. 31, 2012 5.375% Senior Notes	Apr. 15, 2011 3.875% Convertible Notes	Dec. 31, 2011 3.875% Convertible Notes	Jul. 15, 2011 3.875% Convertible Notes Hedge and warrant agreement	Apr. 15, 2011 3.875% Convertible Notes Hedge and warrant agreement	Dec. 31, 2012 3.875% Convertible Notes Hedge and warrant agreement	Dec. 31, 2011 5.70% Senior Notes	May 02, 2011 6.05% Subordinated Notes	May 15, 2007 6.05% Subordinated Notes	Dec. 31, 2013 7.0% Junior Subordinated Debentures	Oct. 30, 2003 7.0% Junior Subordinated Debentures	Dec. 31, 2013 Federal Funds Purchased	Dec. 31, 2013 Federal Home Loan Bank Advances San Francisco	Dec. 31, 2013 Federal Reserve Bank Advances	Dec. 31, 2013 6.05% Subordinated Notes		Dec. 31, 2012 6.05% Subordinated Notes	Dec. 31, 2013 7.0% Junior Subordinated Debentures	Dec. 31, 2012 7.0% Junior Subordinated Debentures
Debt Disclosure [Line Items]
Stated interest rate																	5.375%	5.375%		3.875%				5.70%								6.05%		6.05%	7.00%	7.00%
Interest expense, debt									$ 23,149,000	$ 24,194,000	$ 30,249,000
Weighted average interest rates associated with short-term borrowings	0.08%								0.08%
Principal value																350,000,000	350,000,000		250,000,000								50,000,000		0			45,964,000	[1]		50,000,000
Discount on issuance of debt																										250,000,000
Maturity																	Sep. 15, 2020	Sep. 15, 2020	Apr. 15, 2011													Jun. 01, 2017			Oct. 15, 2033	Oct. 15, 2033
Aggregate conversion settlement payment																			260,000,000
Payments for settlement of 3.875% Convertible Notes									0	0	250,000,000							250,000,000	250,000,000
Debt issuance costs																												2,200,000
Value of common stock shares issued																			10,000,000
Proceeds from issuance of senior notes, net of discount and issuance cost																345,000,000
Number of common stock shares issued																			187,760
Number of shares called																			186,736
Value of stock called																						10,000,000
Notes repurchase amount																									204,000,000
Net gain from note repurchases and termination of corresponding interest rate swaps									0	0	3,123,000	[2]
Price per share of the conversion feature for the hedge and warrant agreement associated with our convertible notes																							$ 64.43
Period of warrants ratable expiration beginning July 15, 2011																					60 days
Distributions	8,386,000	8,144,000	7,902,000	7,845,000	7,605,000	7,528,000	7,884,000	7,837,000	32,277,000	30,854,000	39,111,000		3,500,000	3,500,000	3,500,000
Market value of collateral pledged																														1,400,000,000	578,000,000
Unused and available funds
Unused and available funds

[1] At December 31, 2013 and 2012, included in the carrying value of our 6.05% Subordinated Notes were $6 million and $9 million, respectively, related to hedge accounting associated with the notes.

[2] Represents gains from the repurchase of $109 million of our 5.70% Senior Notes and $204 million of our 6.05% Subordinated Notes and the termination of the corresponding portions of interest rate swaps in 2011. For more information, see Note 11–"Short-Term Borrowings and Long-Term Debt."

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Loans and Allowance for Loan Losses Summary of Loans Modified in Troubled Debt Restructurings ("TDRs") by Portfolio Segment and Class of Financing Receivables (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs	$ 22,433	$ 34,328
Software
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs	5,860	2,021
Hardware
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs	13,329	20,514
Venture capital/private equity
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs	77	0
Premium wine
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs	1,442	2,593
Commercial, Other
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs	1,055	5,900
Commercial loans
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs	21,763	31,028
Real estate secured loans
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs	0	2,199
Consumer, Other
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs	670	1,101
Consumer loans
Financing Receivable, Modifications [Line Items]
Loans modified in TDRs	$ 670	$ 3,300

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Loans and Allowance for Loan Losses Allowance for Loan Losses Individually and Collectively Evaluated for Impairment (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	$ 21,277	$ 6,261
Collectively Evaluated for Impairment	121,609	104,390
Software
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	11,261	762
Collectively Evaluated for Impairment	52,823	41,886
Hardware
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	9,673	5,251
Collectively Evaluated for Impairment	26,880	24,510
Venture capital/private equity
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	19	0
Collectively Evaluated for Impairment	16,366	9,963
Life science
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	0	0
Collectively Evaluated for Impairment	11,926	13,606
Premium wine
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	0	0
Collectively Evaluated for Impairment	3,914	3,523
Commercial, Other
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	156	0
Collectively Evaluated for Impairment	3,524	3,912
Commercial loans
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	21,109	6,013
Collectively Evaluated for Impairment	115,433	97,400
Consumer loans
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	168	248
Collectively Evaluated for Impairment	$ 6,176	$ 6,990

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Off-Balance Sheet Arrangements, Guarantees and Other Commitments - Additional Information (Detail) (USD $) In Millions, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Commitments and Contingencies Disclosure [Line Items]
Rent expense for premises and equipment leased under operating leases	$ 16.3	$ 14.5	$ 11.9
Venture capital and private equity fund investments
Commitments and Contingencies Disclosure [Line Items]
Commitments to invest, period from the inception of the fund	10 years
Committed capital call not generally restricted	100.00%
Venture capital and private equity fund investments | Lower Limit
Commitments and Contingencies Disclosure [Line Items]
Expected commitment period to invest in venture capital and private equity funds (in years)	5 years
Venture capital and private equity fund investments | Upper Limit
Commitments and Contingencies Disclosure [Line Items]
Expected commitment period to invest in venture capital and private equity funds (in years)	7 years
Standby Letter of Credit
Commitments and Contingencies Disclosure [Line Items]
Deferred fees	8.3	5.5
Collateral in the form of cash	230.2
Collateral in the form of investment securities	$ 186.0

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Fair Value of Financial Instruments Quantitative Information About Significant Unobservable Inputs (Parenthetical) (Detail) (Other assets, Equity Warrant Asset, Public Portfolio)	12 Months Ended
	Dec. 31, 2013
Other assets | Equity Warrant Asset, Public Portfolio
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Weighted average contractual remaining term	6 years 3 months 18 days
Estimated remaining life	2 years 9 months 29 days

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Unaudited Quarterly Financial Data Supplemental Consolidated Financial Information (Detail) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011
Quarterly Financial Information Disclosure [Abstract]
Interest income	$ 195,384	$ 185,240	$ 177,983	$ 171,014	$ 168,168	$ 161,958	$ 159,818	$ 158,774	$ 729,621		$ 648,718		$ 565,388
Interest expense	(8,386)	(8,144)	(7,902)	(7,845)	(7,605)	(7,528)	(7,884)	(7,837)	(32,277)		(30,854)		(39,111)
Net interest income	186,998	177,096	170,081	163,169	160,563	154,430	151,934	150,937	697,344		617,864		526,277
Reduction of (provision for) loan losses	(28,670)	(10,638)	(18,572)	(5,813)	(15,014)	(6,788)	(7,999)	(14,529)
Noninterest income	238,713	257,650	98,239	78,604	126,688	69,139	80,426	59,293	673,206		335,546		382,332
Noninterest expense	(168,850)	(160,524)	(143,292)	(149,014)	(143,049)	(135,171)	(135,766)	(132,012)	(621,680)	[1]	(545,998)	[1]	(500,628)	[1]
Income (loss) before income tax expense	228,191	263,584	106,456	86,946	129,188	81,610	88,595	63,689
Income tax expense	35,285	47,404	29,968	26,401	29,526	28,470	31,517	23,756	(139,058)		(113,269)		(119,087)
Net income before noncontrolling interests	192,906	216,180	76,488	60,545	99,662	53,140	57,078	39,933	546,119		249,813		282,793
Comprehensive income attributable to noncontrolling interests	(134,149)	(148,559)	(27,904)	(19,654)	(49,241)	(10,851)	(9,475)	(5,143)	(330,266)		(74,710)		(110,891)
Net income available to common stockholders	$ 58,757	$ 67,621	$ 48,584	$ 40,891	$ 50,421	$ 42,289	$ 47,603	$ 34,790	$ 215,853		$ 175,103		$ 171,902
Earnings per common share—basic	$ 1.29	$ 1.48	$ 1.08	$ 0.91	$ 1.13	$ 0.95	$ 1.08	$ 0.79	$ 4.76		$ 3.96		$ 4.00
Earnings per common share—diluted	$ 1.27	$ 1.46	$ 1.06	$ 0.90	$ 1.12	$ 0.94	$ 1.06	$ 0.78	$ 4.70		$ 3.91		$ 3.94

[1] The Global Commercial Bank segment includes direct depreciation and amortization of $21.3 million, $16.3 million and $12.0 million for 2013, 2012 and 2011, respectively.

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Off-Balance Sheet Arrangements, Guarantees and Other Commitments Minimum Future Payments Under Noncancelable Operating Leases (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013
Disclosure Minimum Future Payments Under Noncancelable Operating Leases [Abstract]
2014	$ 16,111
2015	19,809
2016	19,630
2017	18,421
2018	17,550
2019 and thereafter	71,212
Net minimum operating lease payments	$ 162,733

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Document and Entity Information (USD $)	12 Months Ended
	Dec. 31, 2013	Jan. 31, 2014	Jun. 30, 2013
Document and Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2013
Document Fiscal Year Focus	2013
Document Fiscal Period Focus	FY
Trading Symbol	SIVB
Entity Registrant Name	SVB FINANCIAL GROUP
Entity Central Index Key	0000719739
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	Yes
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		45,859,194
Entity Public Float			$ 3,787,772,443

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Remaining Unfunded Commitments to Venture Capital or Private Equity Funds by our Consolidated Managed Funds (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013
Commitments and Contingencies Disclosure [Line Items]
Unfunded Commitments	$ 428,139
SVB Strategic Investors Fund, LP
Commitments and Contingencies Disclosure [Line Items]
Unfunded Commitments	2,266
SVB Strategic Investors Fund II, LP
Commitments and Contingencies Disclosure [Line Items]
Unfunded Commitments	7,251
SVB Strategic Investors Fund III, LP
Commitments and Contingencies Disclosure [Line Items]
Unfunded Commitments	22,996
SVB Strategic Investors Fund IV, LP
Commitments and Contingencies Disclosure [Line Items]
Unfunded Commitments	61,526
Strategic Investors Fund V Funds
Commitments and Contingencies Disclosure [Line Items]
Unfunded Commitments	231,033
Strategic Investors Fund VI Funds [Member]
Commitments and Contingencies Disclosure [Line Items]
Unfunded Commitments	76,906
SVB Capital Preferred Return Fund, LP
Commitments and Contingencies Disclosure [Line Items]
Unfunded Commitments	10,309
SVB Capital-NT Growth Partners, LP
Commitments and Contingencies Disclosure [Line Items]
Unfunded Commitments	12,060
Other private equity fund
Commitments and Contingencies Disclosure [Line Items]
Unfunded Commitments	$ 3,792

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Short-Term Borrowings and Long-Term Debt

12 Months Ended

Dec. 31, 2013

Debt Disclosure [Abstract]

Short-Term Borrowings and Long-Term Debt

Short-Term Borrowings and Long-Term Debt

The following table represents outstanding short-term borrowings and long-term debt at December 31, 2013 and 2012:

				Carrying Value
(Dollars in thousands)	Maturity	Principal value at December 31, 2013		December 31, 2013		December 31, 2012
Short-term borrowings:
Federal funds purchased	—	—		—		160,000
Other short-term borrowings	(1)	5,080		5,080		6,110
Total short-term borrowings				$	5,080	$	166,110
Long-term debt:
5.375% Senior Notes	September 15, 2020	$	350,000	$	348,209	$	347,995
6.05% Subordinated Notes (2)	June 1, 2017	45,964		51,987		54,571
7.0% Junior Subordinated Debentures	October 15, 2033	50,000		55,020		55,196
Total long-term debt				$	455,216	$	457,762

(1) Represents cash collateral received from our counterparty for our interest rate swap agreement related to our 6.05% Subordinated Notes.

(2) At December 31, 2013 and 2012, included in the carrying value of our 6.05% Subordinated Notes were $6 million and $9 million, respectively, related to hedge accounting associated with the notes.

The aggregate annual maturities of long-term debt obligations as of December 31, 2013 are as follows:

Year ended December 31, (dollars in thousands):	Amount
2014	$	—
2015	—
2016	—
2017	51,987
2018	—
2019 and thereafter	403,229
Total	$	455,216

Interest expense related to short-term borrowings and long-term debt was $23.1 million, $24.2 million and $30.2 million in 2013, 2012 and 2011, respectively. Interest expense is net of the hedge accounting impact from our interest rate swap agreements related to our 6.05% Subordinated Notes. The weighted average interest rate associated with our short-term borrowings as of December 31, 2013 was 0.08 percent.

5.375% Senior Notes

In September 2010, we issued $350 million of 5.375% Senior Notes due in September 2020 (“5.375% Senior Notes”). We received net proceeds of $345 million after deducting underwriting discounts and commissions and other expenses. We used approximately $250 million of the net proceeds from the sale of the notes to meet obligations due on our 3.875% Convertible Notes, which matured in April 2011. The remaining net proceeds were used for general corporate purposes, including working capital.

6.05% Subordinated Notes

On May 15, 2007, the Bank issued 6.05% Subordinated Notes, due in June 2017, in an aggregate principal amount of $250 million. Concurrent with the issuance of the 6.05% Subordinated Notes, we entered into a fixed-to-variable interest rate swap agreement (see Note 12-“Derivative Financial Instruments”).

We repurchased $204 million of our 6.05% Subordinated Notes through a tender offer transaction in May 2011. The repurchase resulted in a gross loss from extinguishment of debt. In connection with the repurchase, we terminated the corresponding amount of the interest rate swap associated with the 6.05% Subordinated Notes (see Note 12-“Derivative Financial Instruments”), resulting in a gross gain on swap termination. The net gain from the note repurchase and the termination of the corresponding portion of the interest rate swap was recognized during the second quarter of 2011 as a reduction in noninterest expense, which is included in the line item “Other”.

7.0% Junior Subordinated Debentures

In October 2003, we issued $50 million in 7.0% Junior Subordinated Debentures to a special-purpose trust, SVB Capital II. Distributions to SVB Capital II are cumulative and are payable quarterly at a fixed rate of 7.0 percent per annum of the face value of the junior subordinated debentures. Distributions for each of 2013, 2012 and 2011 were $3.5 million. The junior subordinated debentures are mandatorily redeemable upon maturity in October 2033, or may be redeemed prior to maturity in whole or in part, at our option, at any time on or after October 2008. Issuance costs of $2.2 million related to the junior subordinated debentures were deferred and are being amortized over the period until mandatory redemption of the debentures in October 2033.

Available Lines of Credit

We have certain facilities in place to enable us to access short-term borrowings on a secured (using available-for-sale securities as collateral) and an unsecured basis. These include repurchase agreements and uncommitted federal funds lines with various financial institutions. As of December 31, 2013, we did not borrow against our uncommitted federal funds lines. We also pledge securities to the FHLB of San Francisco and the discount window at the FRB. The market value of collateral pledged to the FHLB of San Francisco (comprised primarily of U.S. agency debentures) at December 31, 2013 totaled $1.4 billion, all of which was unused and available to support additional borrowings. The market value of collateral pledged at the discount window of the FRB at December 31, 2013 totaled $578 million, all of which was unused and available to support additional borrowings.

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Investment Securities Additional Information (Detail)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Schedule of Available-for-sale Securities [Line Items]
Federal statutory income tax rate	35.00%	35.00%	35.00%
Lower Limit
Schedule of Available-for-sale Securities [Line Items]
Mortgage-backed securities contractual maturities (in years)	10 years
Upper Limit
Schedule of Available-for-sale Securities [Line Items]
Mortgage-backed securities contractual maturities (in years)	30 years

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Loans and Allowance for Loan Losses Activity in Allowance for Loan Losses Broken out by Portfolio Segment (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	$ 110,651	$ 89,947	$ 82,627
Charge-offs	(42,666)	(33,319)	(23,904)
Recoveries	11,208	9,693	25,123
Provision for (Reduction of)	63,693	44,330	6,101
Ending Balance	142,886	110,651	89,947
Hardware
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	29,761	16,810	14,688
Charge-offs	(18,819)	(20,247)	(4,828)
Recoveries	2,677	1,107	455
Provision for (Reduction of)	22,934	32,091	6,495
Ending Balance	36,553	29,761	16,810
Software
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	42,648	38,263	29,288
Charge-offs	(8,861)	(4,316)	(10,252)
Recoveries	1,934	4,874	11,659
Provision for (Reduction of)	28,363	3,827	7,568
Ending Balance	64,084	42,648	38,263
Venture capital/private equity
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	9,963	7,319	8,241
Charge-offs	0	0	0
Recoveries	0	0	0
Provision for (Reduction of)	6,422	2,644	(922)
Ending Balance	16,385	9,963	7,319
Life science
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	13,606	10,243	9,077
Charge-offs	(6,010)	(5,080)	(4,201)
Recoveries	1,860	334	6,644
Provision for (Reduction of)	2,470	8,109	(1,277)
Ending Balance	11,926	13,606	10,243
Premium wine
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	3,523	3,914	5,492
Charge-offs	0	(584)	(449)
Recoveries	170	650	1,223
Provision for (Reduction of)	221	(457)	(2,352)
Ending Balance	3,914	3,523	3,914
Commercial, Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	3,912	5,817	5,318
Charge-offs	(8,107)	(2,485)	(3,954)
Recoveries	2,995	1,377	471
Provision for (Reduction of)	4,880	(797)	3,982
Ending Balance	3,680	3,912	5,817
Commercial loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	103,413	82,366	72,104
Charge-offs	(41,797)	(32,712)	(23,684)
Recoveries	9,636	8,342	20,452
Provision for (Reduction of)	65,290	45,417	13,494
Ending Balance	136,542	103,413	82,366
Consumer loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	7,238	7,581	10,523
Charge-offs	(869)	(607)	(220)
Recoveries	1,572	1,351	4,671
Provision for (Reduction of)	(1,597)	(1,087)	(7,393)
Ending Balance	$ 6,344	$ 7,238	$ 7,581

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Consolidated Statements of Income (USD $) In Thousands, except Per Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011
Interest income:
Loans	$ 542,204		$ 469,146		$ 389,830
Available-for-sale securities:
Taxable	180,162		171,863		165,449
Non-taxable	3,201		3,564		3,623
Federal funds sold, securities purchased under agreements to resell and other short-term investment securities	4,054		4,145		6,486
Total interest income	729,621		648,718		565,388
Interest expense:
Deposits	9,128		6,660		8,862
Borrowings	23,149		24,194		30,249
Total interest expense	32,277		30,854		39,111
Net interest income	697,344		617,864		526,277
Provision for loan losses	63,693		44,330		6,101
Net interest income after provision for loan losses	633,651		573,534		520,176
Noninterest income:
Gains on investment securities, net	419,408		122,114		195,034
Foreign exchange fees	57,411		52,433		45,774
Gains on derivative instruments, net	42,184		18,679		36,798
Deposit service charges	35,948		33,421		31,208
Credit card fees	32,461		24,809		18,741
Lending related fees	20,980		18,038		8,925
Letters of credit and standby letters of credit fees	14,716		15,150		12,201
Client investment fees	13,959		14,539		12,421
Other	36,139		36,363		21,230
Total noninterest income	673,206		335,546		382,332
Noninterest expense:
Compensation and benefits	366,801		326,942		313,043
Professional services	76,178		67,845		60,807
Premises and equipment	45,935		40,689		28,335
Business development and travel	33,334		29,409		24,250
Net occupancy	24,937		22,536		19,624
FDIC assessments	12,784		10,959		10,298
Correspondent bank fees	12,142		11,168		9,052
Provision for unfunded credit commitments	7,642		488		4,397
Other	41,927		35,962		30,822
Total noninterest expense	621,680	[1]	545,998	[1]	500,628	[1]
Income before income tax expense	685,177	[2]	363,082	[2]	401,880	[2]
Income tax expense	139,058		113,269		119,087
Net income before noncontrolling interests	546,119		249,813		282,793
Net income attributable to noncontrolling interests	(330,266)		(74,710)		(110,891)
Net income available to common stockholders	$ 215,853		$ 175,103		$ 171,902
Earnings per common share—basic	$ 4.76		$ 3.96		$ 4.00
Earnings per common share—diluted	$ 4.70		$ 3.91		$ 3.94

[1] The Global Commercial Bank segment includes direct depreciation and amortization of $21.3 million, $16.3 million and $12.0 million for 2013, 2012 and 2011, respectively.

[2] The internal reporting model used by management to assess segment performance does not calculate income tax expense by segment. Our effective tax rate is a reasonable approximation of the segment rates.

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Reserves on Deposit with the Federal Reserve Bank and Federal Bank Stock

12 Months Ended

Dec. 31, 2013

Reserves on Deposit with the Federal Reserve Bank and Federal Bank Stock [Abstract]

Reserves on Deposit with the Federal Reserve Bank and Federal Bank Stock

Reserves on Deposit with the Federal Reserve Bank and Federal Bank Stock

The Bank is required to maintain reserves against customer deposits by keeping balances with the Federal Reserve. The cash balances at the Federal Reserve are classified as cash and cash equivalents. Additionally, as a member of the FHLB and FRB, we are required to hold shares of FHLB and FRB stock under the Bank's borrowing agreement. FHLB and FRB stock are recorded at cost as a component of other assets, and any cash dividends received are recorded as a component of other noninterest income.

The tables below provide information on the required reserve balances at the Federal Reserve, as well as shares held at the FHLB and FRB for the years ended and as of December 31, 2013 and 2012:

	Year ended December 31,
(Dollars in thousands)	2013		2012
Average required reserve balances at FRB San Francisco	$	131,374	$	112,173

	December 31,
(Dollars in thousands)	2013		2012
FHLB stock holdings	$	25,000	$	25,000
FRB stock holdings	15,632		14,806

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Share-Based Compensation

12 Months Ended

Dec. 31, 2013

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Share-Based Compensation

Share-Based Compensation

 Share-based compensation expense was recorded net of estimated forfeitures for 2013, 2012 and 2011, such that expense was recorded only for those share-based awards that are expected to vest. In 2013, 2012 and 2011, we recorded share-based compensation and related benefits as follows:

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Share-based compensation expense	$	25,413		$	21,861		$	18,221
Income tax benefit related to share-based compensation expense	(7,989		)	(6,011		)	(4,833		)
Capitalized compensation costs	2,809			2,647			1,466

Equity Incentive Plans

On May 11, 2006, our stockholders approved the 2006 Equity Incentive Plan (the “2006 Incentive Plan”). Our previous 1997 Equity Incentive Plan expired in December 2006. The 2006 Incentive Plan provides for the grant of various types of incentive awards, of which the following have been granted: (i) stock options; (ii) restricted stock awards; (iii) restricted stock units; and (iv) other cash or stock settled equity awards.

Subject to the provisions of Section 16 of the 2006 Incentive Plan, the maximum aggregate number of shares that may be awarded and sold thereunder is 7,543,321, which includes 2,000,000 shares that are subject to stockholder approval at the upcoming 2014 Annual Meeting of Stockholders.

Restricted stock awards and restricted stock units will be counted against the numerical limits of the 2006 Incentive Plan as two shares for every one share awarded. Further, if shares acquired under any such award are forfeited or repurchased by us and would otherwise return to the 2006 Incentive Plan, two times the number of such forfeited or repurchased shares will return to the 2006 Incentive Plan and will again become available for issuance.

Eligible participants in the 2006 Incentive Plan include directors, employees, and consultants. Options granted under the 2006 Incentive Plan generally expire seven years after the grant date. Options generally become exercisable over various periods, typically four years, from the grant date based on continued employment, and typically vest annually. Restricted stock awards and units generally vest over the passage of time and require continued employment or other service through the vesting period. Performance-based restricted stock units generally vest upon meeting certain performance-based objectives and, typically the passage of time and require continued employment or other service through the vesting period. The vesting period for restricted stock units cannot be less than three years unless they are subject to certain performance-based objectives, in which case the vesting period can be 12 months or longer.

Employee Stock Purchase Plan

We maintain the 1999 ESPP under which participating employees may annually contribute up to 10 percent of their gross compensation (not to exceed $25,000) to purchase shares of our common stock at 85 percent of its fair market value at either the beginning or end of each six-month offering period, whichever price is less. To be eligible to participate in the ESPP, an employee must, among other requirements, be employed by the Company on both the date of offering and date of purchase, and be employed customarily for at least 20 hours per week and at least five months per calendar year. We issued 176,416 shares and received $9.8 million in cash under the ESPP in 2013. At December 31, 2013, a total of 696,309 shares of our common stock were still available for future issuance under the ESPP.

Unrecognized Compensation Expense

As of December 31, 2013, unrecognized share-based compensation expense was as follows:

(Dollars in thousands)	Unrecognized   Expense		Average Expected Recognition   Period - in Years
Stock options	$	14,978	2.51
Restricted stock units	30,374		2.54
Total unrecognized share-based compensation expense	$	45,352

Valuation Assumptions

The fair values of share-based awards for employee stock options and employee stock purchases made under our ESPP were estimated using the Black-Scholes option pricing model. The fair values of restricted stock units were based on our closing stock price on the date of grant. The following weighted average assumptions and fair values were used for our employee stock options and restricted stock units:

Equity incentive plan awards	2013			2012			2011
Weighted average expected term of options in years	4.7			4.6			4.6
Weighted average expected volatility of the Company's underlying common stock	44.6		%	50.4		%	48.7		%
Risk-free interest rate	0.70			0.83			2.00
Expected dividend yield	—			—			—
Weighted average grant date fair value-stock options	$	27.28		$	27.00		$	25.12
Weighted average grant date fair value-restricted stock units	71.57			63.07			59.69

The following weighted average assumptions and fair values were used for our ESPP:

ESPP	2013			2012			2011
Expected term in years	0.5			0.5			0.5
Weighted average expected volatility of the Company's underlying common stock	22.3		%	43.5		%	27.3		%
Risk-free interest rate	0.11			0.11			0.15
Expected dividend yield	—			—			—
Weighted average fair value	$	15.35		$	14.43		$	13.02

The expected term is based on the implied term of the stock options using factors based on historical exercise behavior. The expected volatilities are based on a blended rate consisting of our historic volatility and our expected volatility over a five-year term which is an indicator of expected volatility and future stock price trends. For 2013, 2012 and 2011, expected volatilities for the ESPP were equal to the historical volatility for the previous six-month periods. The expected risk-free interest rates were based on the yields of Treasury Securities, as reported by the Federal Reserve Bank of New York, with maturities equal to the expected terms of the employee stock options.

Share-Based Payment Award Activity

The table below provides stock option information related to the 1997 Equity Incentive Plan and the 2006 Equity Incentive Plan for the year ended December 31, 2013:

	Options		Weighted Average  Exercise Price		Weighted Average Remaining Contractual   Life in Years	Aggregate   Intrinsic Value   of In-The- Money Options
Outstanding at December 31, 2012	2,060,413		$	49.15
Granted	313,472		71.68
Exercised	(796,101	)	45.74
Forfeited	(62,672	)	57.18
Expired	(953	)	51.86
Outstanding at December 31, 2013	1,514,159		55.27		4.27	$	75,092,637
Vested and expected to vest at December 31, 2013	1,468,430		54.91		4.23	73,347,808
Exercisable at December 31, 2013	680,684		44.50		3.01	41,087,846

The aggregate intrinsic value of outstanding options shown in the table above represents the pretax intrinsic value based on our closing stock price of $104.86 as of December 31, 2013. The following table summarizes information regarding stock options outstanding as of December 31, 2013:

	Outstanding Options				Exercisable Options
Range of Exercise Prices	Shares	Weighted Average  Remaining Contractual Life in Years	Weighted Average Exercise  Price		Shares	Weighted Average Exercise  Price
$19.48-31.13	172,546	2.33	$	21.14	172,546	$	21.14
31.14-48.46	155,853	2.98	44.87		116,455	45.08
48.47-49.01	106,426	1.36	48.76		105,713	48.76
49.02-54.19	179,865	3.34	49.47		113,889	49.44
54.20-60.51	274,356	4.40	59.94		108,683	60.08
60.52-63.62	10,044	5.26	62.63		2,484	62.66
63.63-64.40	298,493	5.33	64.37		60,120	64.37
64.41-73.76	305,279	6.32	71.03		794	64.43
$73.77-95.64	11,297	6.60	86.90		—	—
	1,514,159	4.27	55.27		680,684	44.50

We expect to satisfy the exercise of stock options by issuing shares registered under the 2006 Incentive Plan. All future awards of stock options and restricted stock units will be issued from the 2006 Incentive Plan. At December 31, 2013, 1,749,744 shares were available for future issuance. No awards were outstanding under the 1997 Equity Incentive Plan as of December 31, 2013.

The table below provides information for restricted stock units under the 2006 Equity Incentive Plan for the year ended December 31, 2013:

	Shares		Weighted Average     Grant Date Fair     Value
Nonvested at December 31, 2012	585,543		$	59.42
Granted	328,905		71.57
Vested	(190,438	)	57.44
Forfeited	(41,663	)	62.34
Nonvested at December 31, 2013	682,347		65.93

The following table summarizes information regarding stock option and restricted stock activity during 2013, 2012 and 2011:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Total intrinsic value of stock options exercised	$	25,520	$	17,419	$	20,772
Total grant date fair value of stock options vested	18,168		17,169		14,771
Total intrinsic value of restricted stock vested	14,176		12,747		9,142
Total grant date fair value of restricted stock vested	10,940		10,176		7,240

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Parent Company Only Condensed Financial Information Condensed Statements of Cash Flows (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Adjustments to reconcile net income to net cash used for operating activities:
(Gains) losses on derivative instruments, net	$ (42,184)	$ (18,679)	$ (36,798)
Gains on investment securities, net	(419,408)	(122,114)	(195,034)
Amortization of share-based compensation	25,413	21,861	18,221
Other, net	(22,684)	15,143	31,223
Net cash used for operating activities	173,086	202,080	166,392
Cash flows from investing activities:
Net increase in loans	(1,943,650)	(1,964,250)	(1,429,702)
Net cash used for investing activities	(2,840,296)	(2,892,340)	(4,038,956)
Cash flows from financing activities:
Principal payments of other long term debt	0	(1,222)	(4,179)
Payments for settlement of 3.875% Convertible Notes	0	0	(250,000)
Tax benefit from stock exercises	6,826	5,581	6,342
Net cash provided by financing activities	3,197,006	2,584,295	1,911,080
Net increase (decrease) in cash and cash equivalents	529,796	(105,965)	(1,961,484)
Cash and cash equivalents at beginning of period	1,008,983	1,114,948	3,076,432
Cash and cash equivalents at end of period	1,538,779	1,008,983	1,114,948
Parent Company
Cash flows from operating activities:
Net income attributable to SVBFG	215,853	175,103	171,902
Adjustments to reconcile net income to net cash used for operating activities:
(Gains) losses on derivative instruments, net	(47,421)	(17,289)	(34,654)
Gains on investment securities, net	(15,238)	(15,329)	(16,432)
Income Loss From Continuing Operations Before Minority Interest And Income Loss From Equity Method Investments	(18,417)	(41,749)	(37,234)
Cash Dividends Paid to Parent Company by Consolidated Subsidiaries	10,000	0	0
Amortization of share-based compensation	25,413	21,861	18,221
Decrease (increase) in other assets	(11,901)	5,463	21,926
Increase (decrease) in other liabilities	1,506	3,952	2,936
Other, net	(1,269)	2,273	2,510
Net cash used for operating activities	(67,327)	(40,818)	(42,727)
Cash flows from investing activities:
Net increase in investment securities from purchases, sales and maturities	70,479	11,833	(22,821)
Net increase in loans	4,078	2,034	(4,211)
Net cash used for investing activities	63,013	39,059	(42,785)
Cash flows from financing activities:
Principal payments of other long term debt	0	(1,222)	(4,179)
Payments for settlement of 3.875% Convertible Notes	0	0	(250,000)
Tax benefit from stock exercises	6,826	5,581	6,342
Proceeds from issuance of common stock and ESPP	46,569	29,282	36,873
Net cash provided by financing activities	53,395	33,641	(210,964)
Net increase (decrease) in cash and cash equivalents	49,081	31,882	(296,476)
Cash and cash equivalents at beginning of period	169,067	137,185	433,661
Cash and cash equivalents at end of period	218,148	169,067	137,185
Parent Company | Bank Subsidiaries
Adjustments to reconcile net income to net cash used for operating activities:
Income Loss From Continuing Operations Before Minority Interest And Income Loss From Equity Method Investments	186,195	195,395	189,123
Cash flows from investing activities:
Investment in subsidiaries	(21,469)	12,180	(12,592)
Parent Company | Nonbank Subsidiaries
Adjustments to reconcile net income to net cash used for operating activities:
Income Loss From Continuing Operations Before Minority Interest And Income Loss From Equity Method Investments	58,075	21,457	20,013
Cash flows from investing activities:
Investment in subsidiaries	$ 9,925	$ 13,012	$ (3,161)

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Related Parties

12 Months Ended

Dec. 31, 2013

Related Party Transactions [Abstract]

Related Parties

Related Parties

SVB Financial has commitments under two partially-syndicated revolving line of credit facilities totaling $65 million to Gold Hill Capital 2008 LP, a venture debt fund, and an affiliated fund, for which SVB Financial has ownership interests. Of the $65 million, $16 million is syndicated to another lender. SVB Financial has an 11.5 percent direct ownership interest and a 4.0 percent indirect ownership interest in Gold Hill Capital 2008 LP through our 83.8 percent interest in its general partner, Gold Hill Capital 08, LLC. The lines of credit are secured and bear an interest rate of national Prime plus one percent. The highest outstanding balance under SVB Financial's portion of the facility for the year ended December 31, 2013 was $38 million. SVB Financial's portion of the outstanding balance as of December 31, 2013, and 2012, was $23 million, and $31 million, respectively.

During 2013, the Bank made loans to related parties, including certain companies in which certain of our directors or their affiliated venture funds are beneficial owners of ten percent or more of the equity securities of such companies. Such loans: (a) were made in the ordinary course of business; (b) were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other non-related persons; and (c) did not involve more than the normal risk of collectibility or present other unfavorable features. Additionally, we also provide real estate secured loans to eligible employees through our EHOP.

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Derivative Financial Instruments

12 Months Ended

Dec. 31, 2013

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivative Financial Instruments

Derivative Financial Instruments

We primarily use derivative financial instruments to manage interest rate risk, currency exchange rate risk, and to assist customers with their risk management objectives. Also, in connection with negotiating credit facilities and certain other services, we often obtain equity warrant assets giving us the right to acquire stock in private, venture-backed companies in the technology and life science industries.

Interest Rate Risk

Interest rate risk is our primary market risk and can result from timing and volume differences in the repricing of our interest rate-sensitive assets and liabilities and changes in market interest rates. To manage interest rate risk for our 6.05% Subordinated Notes, we entered into a fixed-for-floating interest rate swap agreement at the time of debt issuance based upon LIBOR with matched-terms. Net cash benefits associated with our interest rate swap is recorded as a reduction in “Interest expense—Borrowings,” a component of net interest income. The fair value of our interest rate swaps is calculated using a discounted cash flow method and adjusted for credit valuation associated with counterparty risk. Changes in fair value of the interest rate swaps are reflected in either other assets (for swaps in an asset position) or other liabilities (for swaps in a liability position).

We assess hedge effectiveness under ASC 815, Derivatives and Hedging, using the long-haul method. Any differences associated with our interest rate swaps that arise as a result of hedge ineffectiveness are recorded through net gains on derivative instruments, in noninterest income, a component of consolidated net income.

Currency Exchange Risk

We enter into foreign exchange forward contracts to economically reduce our foreign exchange exposure risk associated with the net difference between foreign currency denominated assets and liabilities, primarily in Pound Sterling and Euro. We do not designate any foreign exchange forward contracts as derivative instruments that qualify for hedge accounting. Changes in currency rates on foreign currency denominated instruments are included in other noninterest income, a component of noninterest income. We may experience ineffectiveness in the economic hedging relationship, because the instruments are revalued based upon changes in the currency’s spot rate on the principal value, while the forwards are revalued on a discounted cash flow basis. We record forward agreements in gain positions in other assets and loss positions in other liabilities, while net changes in fair value are recorded through net gains on derivative instruments, in noninterest income, a component of consolidated net income. Additionally, through our global banking operations we maintain customer deposits denominated in the Euro and Pound Sterling, which are used to fund certain loans in these currencies to limit our exposure to currency fluctuations.

Other Derivative Instruments

Equity Warrant Assets

Our equity warrant assets are concentrated in private, venture-backed companies in the technology and life science industries. Most of these warrant agreements contain net share settlement provisions, which permit us to pay the warrant exercise price using shares issuable under the warrant (“cashless exercise”). We value our equity warrant assets using a modified Black-Scholes option pricing model, which incorporates assumptions about the underlying asset value, volatility, and the risk-free rate. We make valuation adjustments for estimated remaining life and marketability for warrants issued by private companies. Equity warrant assets are recorded at fair value in other assets, while changes in their fair value are recorded through net gains on derivative instruments, in noninterest income, a component of consolidated net income.

Loan Conversion Options

In connection with negotiating certain credit facilities, we occasionally extend loan facilities which have convertible option features. The convertible loans may be converted into a certain number of shares determined by dividing the principal amount of the loan by the applicable conversion price. Because our loan conversion options have underlying and notional values and had no initial net investment, these assets qualify as derivative instruments. We value our loan conversion options using a modified Black-Scholes option pricing model, which incorporates assumptions about the underlying asset value, volatility, and the risk-free rate. Loan conversion options are recorded at fair value in other assets, while changes in their fair value are recorded through net gains on derivative instruments, in noninterest income, a component of consolidated net income.

Other Derivatives

We sell forward and option contracts to clients who wish to mitigate their foreign currency exposure. We economically reduce the currency risk from this business by entering into opposite way contracts with correspondent banks. This relationship does not qualify for hedge accounting. The contracts generally have terms of one year or less, although we may have contracts extending for up to five years. Generally, we have not experienced nonperformance on these contracts, have not incurred credit losses, and anticipate performance by all counterparties to such agreements. Contracts in an asset position are included in other assets and contracts in a liability position are included in other liabilities. The net change in the fair value of these contracts is recorded through net gains on derivative instruments, in noninterest income, a component of consolidated net income.

We sell interest rate contracts to clients who wish to mitigate their interest rate exposure. We economically reduce the interest rate risk from this business by entering into opposite way contracts with correspondent banks. We do not designate any of these contracts (which are derivative instruments) as qualifying for hedge accounting. Contracts in an asset position are included in other assets and contracts in a liability position are included in other liabilities. The net change in the fair value of these derivatives is recorded through net gains on derivative instruments, in noninterest income, a component of consolidated net income.

Counterparty Credit Risk

We are exposed to credit risk if counterparties to our derivative contracts do not perform as expected. We mitigate counterparty credit risk through credit approvals, limits, monitoring procedures and obtaining collateral, as appropriate. With respect to measuring counterparty credit risk for derivative instruments, we measure the fair value of a group of financial assets and financial liabilities on a net risk basis by counterparty portfolio.

The total notional or contractual amounts, fair value, collateral and net exposure of our derivative financial instruments at December 31, 2013 and 2012 were as follows:

		December 31, 2013										December 31, 2012
(Dollars in thousands)	Balance Sheet Location	Notional or Contractual Amount		Fair Value			Collateral (1)		Net Exposure (2)			Notional or Contractual Amount		Fair Value			Collateral (1)		Net Exposure (2)
Derivatives designated as hedging instruments:
Interest rate risks:
Interest rate swaps	Other assets	$	45,964	$	6,492		$	5,080	$	1,412		$	45,964	$	9,005		$	6,110	$	2,895
Derivatives not designated as hedging instruments:
Currency exchange risks:
Foreign exchange forwards	Other assets	140,760		1,423			—		1,423			51,010		488			—		488
Foreign exchange forwards	Other liabilities	62,649		(634		)	—		(634		)	102,956		(1,728		)	—		(1,728		)
Net exposure				789			—		789					(1,240		)	—		(1,240		)
Other derivative instruments:
Equity warrant assets	Other assets	179,934		103,513			—		103,513			164,332		74,272			—		74,272
Other derivatives:
Client foreign exchange forwards	Other assets	424,983		13,673			—		13,673			385,470		11,864			—		11,864
Client foreign exchange forwards	Other liabilities	367,079		(11,549		)	—		(11,549		)	356,026		(9,930		)	—		(9,930		)
Client foreign currency options	Other assets	91,854		434			—		434			132,237		1,189			—		1,189
Client foreign currency options	Other liabilities	91,854		(434		)	—		(434		)	132,237		(1,189		)	—		(1,189		)
Loan conversion options	Other assets	3,455		314			—		314			9,782		890			—		890
Client interest rate derivatives	Other assets	216,773		1,265			—		1,265			144,950		558			—		558
Client interest rate derivatives	Other liabilities	216,773		(1,396		)	—		(1,396		)	144,950		(590		)	—		(590		)
Net exposure				2,307			—		2,307					2,792			—		2,792
Net				$	113,101		$	5,080	$	108,021				$	84,829		$	6,110	$	78,719

(1) Cash collateral received from our counterparty for our interest rate swap agreement is recorded as a component of “short-term borrowings” on our consolidated balance sheets.

(2) Net exposure for contracts in a gain position reflects the replacement cost in the event of nonperformance by all such counterparties. The credit ratings of our institutional counterparties as of December 31, 2013 remain at investment grade or higher and there were no material changes in their credit ratings for the year ended December 31, 2013.

A summary of our derivative activity and the related impact on our consolidated statements of income for 2013, 2012 and 2011 is as follows:

		Year ended December 31,
(Dollars in thousands)	Statement of income location	2013			2012			2011
Derivatives designated as hedging instruments:
Interest rate risks:
Net cash benefit associated with interest rate swaps	Interest expense—borrowings	$	2,536		$	5,154		$	14,486
Changes in fair value of interest rate swaps	Net gains on derivative instruments	14			603			(470		)
Net gains associated with interest rate risk derivatives		$	2,550		$	5,757		$	14,016
Derivatives not designated as hedging instruments:
Currency exchange risks:
Gains (losses) on revaluations of foreign currency instruments	Other noninterest income	$	3,016		$	1,677		$	(2,096	)
(Losses) gains on internal foreign exchange forward contracts, net	Net gains on derivative instruments	(4,213		)	(103		)	1,973
Net (losses) gains associated with currency risk		$	(1,197	)	$	1,574		$	(123	)
Other derivative instruments:
Net gains on equity warrant assets	Net gains on derivative instruments	$	46,101		$	19,385		$	37,439
(Losses) gains on client foreign exchange forward contracts, net	Net gains on derivative instruments	$	(452	)	$	460		$	376
Net gains (losses) on other derivatives (1)	Net gains on derivative instruments	$	734		$	(1,666	)	$	(2,520	)

(1) Primarily represents the change in fair value of loan conversion options.

Balance Sheet Offsetting

Certain of our derivative and other financial instruments are subject to enforceable master netting arrangements with our counterparties. These agreements provide for the net settlement of multiple contracts with a single counterparty through a single payment, in a single currency, in the event of default on or termination of any one contract.

The following table summarizes our assets subject to enforceable master netting arrangements as of December 31, 2013 and 2012:

								Gross Amounts Not Offset in the Statement of Financial Position But Subject to Master Netting Arrangements
(Dollars in thousands)	Gross Amounts of Recognized Assets		Gross Amounts offset in the Statement of Financial Position			Net Amounts of Assets Presented in the Statement of Financial Position		Financial Instruments			Cash Collateral Received			Net Amount
December 31, 2013
Derivative Assets:
Interest rate swaps	$	6,492	$	—		$	6,492	$	(1,412	)	$	(5,080	)	$	—
Foreign exchange forwards	15,096		—			15,096		(6,735		)	—			8,361
Foreign currency options	504		(70		)	434		(155		)	—			279
Client interest rate derivatives	1,265		—			1,265		(256		)	—			1,009
Total derivative assets:	23,357		(70		)	23,287		(8,558		)	(5,080		)	9,649
Reverse repurchase, securities borrowing, and similar arrangements	172,989		—			172,989		(172,989		)	—			—
Total	$	196,346	$	(70	)	$	196,276	$	(181,547	)	$	(5,080	)	$	9,649
December 31, 2012
Derivative Assets:
Interest rate swaps	$	9,005	$	—		$	9,005	$	(2,895	)	$	(6,110	)	$	—
Foreign exchange forwards	12,352		—			12,352		(7,363		)	—			4,989
Foreign currency options	1,411		(222		)	1,189		(556		)	—			633
Client interest rate derivatives	558		—			558		(24		)	—			534
Total derivative assets:	23,326		(222		)	23,104		(10,838		)	(6,110		)	6,156
Reverse repurchase, securities borrowing, and similar arrangements	133,357		—			133,357		(133,357		)	—			—
Total	$	156,683	$	(222	)	$	156,461	$	(144,195	)	$	(6,110	)	$	6,156

The following table summarizes our liabilities subject to enforceable master netting arrangements as of December 31, 2013 and 2012:

								Gross Amounts Not Offset in the Statement of Financial Position But Subject to Master Netting Arrangements
(Dollars in thousands)	Gross Amounts of Recognized Liabilities		Gross Amounts offset in the Statement of Financial Position			Net Amounts of Liabilities Presented in the Statement of Financial Position		Financial Instruments			Cash Collateral Pledged		Net Amount
December 31, 2013
Derivative Liabilities:
Foreign exchange forwards	$	12,183	$	—		$	12,183	$	(8,282	)	$	—	$	3,901
Foreign currency options	504		(70		)	434		(279		)	—		155
Client interest rate derivatives	1,396		—			1,396		(1,087		)	—		309
Total derivative liabilities:	14,083		(70		)	14,013		(9,648		)	—		4,365
Repurchase, securities lending, and similar arrangements	—		—			—		—			—		—
Total	$	14,083	$	(70	)	$	14,013	$	(9,648	)	$	—	$	4,365
December 31, 2012
Derivative Liabilities:
Foreign exchange forwards	$	11,658	$	—		$	11,658	$	(5,720	)	$	—	$	5,938
Foreign currency options	1,411		(222		)	1,189		(633		)	—		556
Client interest rate derivatives	590		—			590		(567		)	—		23
Total derivative assets:	13,659		(222		)	13,437		(6,920		)	—		6,517
Repurchase, securities lending, and similar arrangements	—		—			—		—			—		—
Total	$	13,659	$	(222	)	$	13,437	$	(6,920	)	$	—	$	6,517

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Loans and Allowance for Loan Losses Composition of Loans, Net of Unearned income (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 10,906,386	[1]	$ 8,946,933	[1]
Real estate secured loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,418,991		1,098,813
Software
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	4,102,636		3,261,489
Hardware
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,213,032		1,118,370
Venture capital/private equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	2,386,054		1,732,699
Life science
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,170,220		1,066,199
Premium wine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	664,834		557,024
Premium wine | Non-real Estate Secured Commercial Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	149,841		143,511
Premium wine | Real Estate Secured Commercial Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	514,993	[2]	413,513	[2]
Commercial, Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	396,644		381,195
Commercial, Other | Construction Loans Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	76,997		65,742
Commercial, Other | Commercial Loans Receivable excluding Construction and Real Estate Secured
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	288,904		315,453
Real estate, Other | Real Estate Secured Commercial Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	30,743		0
Consumer, Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	99,711		144,657
Real estate secured loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	873,255		685,300
Real estate secured loans | Real estate secured loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	873,255	[3]	685,300	[3]
Total consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	972,966		829,957
Total commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	9,933,420		8,116,976
Total commercial loans | Commercial Loans Receivable excluding Construction and Real Estate Secured
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 9,310,687		$ 7,637,721

[1] Included within our total loan portfolio are credit card loans of $85 million and $64 million at December 31, 2013 and 2012, respectively.

[2] Included in our premium wine portfolio are gross construction loans of $112 million and $148 million at December 31, 2013 and 2012, respectively.

[3] Consumer loans secured by real estate at December 31, 2013 and 2012 were comprised of the following: December 31,(Dollars in thousands) 2013 2012Loans for personal residence $685,327 $503,378Loans to eligible employees 121,548 110,584Home equity lines of credit 66,380 71,338Consumer loans secured by real estate $873,255 $685,300

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Loans and Allowance for Loan Losses

12 Months Ended

Dec. 31, 2013

Receivables [Abstract]

Loans and Allowance for Loan Losses

Loans and Allowance for Loan Losses

We serve a variety of commercial clients in the technology, life science, venture capital/private equity and premium wine industries. Our technology clients generally tend to be in the industries of hardware (semiconductors, communications and electronics), software and related services, and clean technology (energy and resource innovation). Because of the diverse nature of clean technology products and services, for our loan-related reporting purposes, cleantech-related loans are reported under our hardware, software, life science and other commercial loan categories, as applicable. Our life science clients are concentrated in the medical devices and biotechnology sectors. Loans made to venture capital/private equity firm clients typically enable them to fund investments prior to their receipt of funds from capital calls. Loans to the premium wine industry focus on vineyards and wineries that produce grapes and wines of high quality.

In addition to commercial loans, we make consumer loans through SVB Private Bank and provide real estate secured loans to eligible employees through our EHOP. Our private banking clients are primarily venture capital/private equity professionals and executive leaders in the innovation companies they support. These products and services include real estate secured home equity lines of credit, which may be used to finance real estate investments and loans used to purchase, renovate or refinance personal residences. These products and services also include restricted stock purchase loans and capital call lines of credit.

We also provide community development loans made as part of our responsibilities under the Community Reinvestment Act. These loans are included within “Construction loans” below and are primarily secured by real estate.

The composition of loans, net of unearned income of $89 million and $77 million at December 31, 2013 and 2012, respectively, is presented in the following table:

	December 31,
(Dollars in thousands)	2013		2012
Commercial loans:
Software	$	4,102,636	$	3,261,489
Hardware	1,213,032		1,118,370
Venture capital/private equity	2,386,054		1,732,699
Life science	1,170,220		1,066,199
Premium wine	149,841		143,511
Other	288,904		315,453
Total commercial loans	9,310,687		7,637,721
Real estate secured loans:
Premium wine (1)	514,993		413,513
Consumer loans (2)	873,255		685,300
Other	30,743		—
Total real estate secured loans	1,418,991		1,098,813
Construction loans	76,997		65,742
Consumer loans	99,711		144,657
Total loans, net of unearned income (3)	$	10,906,386	$	8,946,933

(1) Included in our premium wine portfolio are gross construction loans of $112 million and $148 million at December 31, 2013 and 2012, respectively.

(2) Consumer loans secured by real estate at December 31, 2013 and 2012 were comprised of the following:

	December 31,
(Dollars in thousands)	2013		2012
Loans for personal residence	$	685,327	$	503,378
Loans to eligible employees	121,548		110,584
Home equity lines of credit	66,380		71,338
Consumer loans secured by real estate	$	873,255	$	685,300

(3) Included within our total loan portfolio are credit card loans of $85 million and $64 million at December 31, 2013 and 2012, respectively.

Credit Quality

The composition of loans, net of unearned income of $89 million and $77 million at December 31, 2013 and December 31, 2012, respectively, broken out by portfolio segment and class of financing receivable, is as follows:

	December 31,
(Dollars in thousands)	2013		2012
Commercial loans:
Software	$	4,102,636	$	3,261,489
Hardware	1,213,032		1,118,370
Venture capital/private equity	2,386,054		1,732,699
Life science	1,170,220		1,066,199
Premium wine	664,834		557,024
Other	396,644		381,195
Total commercial loans	9,933,420		8,116,976
Consumer loans:
Real estate secured loans	873,255		685,300
Other consumer loans	99,711		144,657
Total consumer loans	972,966		829,957
Total loans, net of unearned income	$	10,906,386	$	8,946,933

The following table summarizes the aging of our gross loans, broken out by portfolio segment and class of financing receivable as of December 31, 2013 and 2012:

(Dollars in thousands)	30 - 59   Days Past   Due		60 - 89   Days Past   Due		Greater Than 90   Days Past   Due		Total Past   Due		Current		Loans Past Due   90 Days or More Still Accruing Interest
December 31, 2013:
Commercial loans:
Software	$	9,804	$	1,291	$	99	$	11,194	$	4,102,546	$	99
Hardware	2,679		3,965		—		6,644		1,198,169		—
Venture capital/private equity	4		—		—		4		2,408,382		—
Life science	395		131		—		526		1,179,462		—
Premium wine	—		—		—		—		665,755		—
Other	1,580		142		—		1,722		397,416		—
Total commercial loans	14,462		5,529		99		20,090		9,951,730		99
Consumer loans:
Real estate secured loans	240		—		—		240		872,586		—
Other consumer loans	8		—		—		8		98,965		—
Total consumer loans	248		—		—		248		971,551		—
Total gross loans excluding impaired loans	14,710		5,529		99		20,338		10,923,281		99
Impaired loans	4,657		7,043		4,339		16,039		35,610		—
Total gross loans	$	19,367	$	12,572	$	4,438	$	36,377	$	10,958,891	$	99
December 31, 2012:
Commercial loans:
Software	$	5,890	$	238	$	19	$	6,147	$	3,284,489	$	19
Hardware	167		32		—		199		1,107,422		—
Venture capital/private equity	7		—		—		7		1,749,896		—
Life science	207		117		—		324		1,076,468		—
Premium wine	—		—		—		—		554,886		—
Other	280		—		—		280		378,619		—
Total commercial loans	6,551		387		19		6,957		8,151,780		19
Consumer loans:
Real estate secured loans	—		—		—		—		683,254		—
Other consumer loans	111		—		—		111		143,867		—
Total consumer loans	111		—		—		111		827,121		—
Total gross loans excluding impaired loans	6,662		387		19		7,068		8,978,901		19
Impaired loans	3,901		9,676		2,269		15,846		22,433		—
Total gross loans	$	10,563	$	10,063	$	2,288	$	22,914	$	9,001,334	$	19

The following table summarizes our impaired loans as they relate to our allowance for loan losses, broken out by portfolio segment and class of financing receivable as of December 31, 2013 and 2012:

(Dollars in thousands)	Impaired loans for   which there is a related allowance for loan losses		Impaired loans for   which there is no related allowance for loan losses		Total carrying value of impaired loans		Total unpaid principal of impaired loans (1)
December 31, 2013:
Commercial loans:
Software	$	27,308	$	310	$	27,618	$	28,316
Hardware	19,329		338		19,667		35,317
Venture capital/private equity	40		—		40		40
Life Science	—		1,278		1,278		4,727
Premium wine	—		1,442		1,442		1,778
Other	690		—		690		718
Total commercial loans	47,367		3,368		50,735		70,896
Consumer loans:
Real estate secured loans	—		244		244		1,434
Other consumer loans	670		—		670		941
Total consumer loans	670		244		914		2,375
Total	$	48,037	$	3,612	$	51,649	$	73,271
December 31, 2012:
Commercial loans:
Software	$	3,191	$	72	$	3,263	$	4,475
Hardware	21,863		—		21,863		38,551
Venture capital/private equity	—		—		—		—
Life science	—		—		—		—
Premium wine	—		4,398		4,398		4,716
Other	—		5,415		5,415		9,859
Total commercial loans	25,054		9,885		34,939		57,601
Consumer loans:
Real estate secured loans	—		2,239		2,239		7,341
Other consumer loans	1,101		—		1,101		1,300
Total consumer loans	1,101		2,239		3,340		8,641
Total	$	26,155	$	12,124	$	38,279	$	66,242

(1) The unpaid principal balances for hardware and real estate secured consumer loans as of December 31, 2012 have been corrected from previously reported amounts resulting in the total unpaid principal of impaired loans at December 31, 2012 changing from $55.4 million to $66.2 million.

The following table summarizes our average impaired loans, broken out by portfolio segment and class of financing receivable during 2013, 2012 and 2011:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Average impaired loans:
Commercial loans:
Software	$	6,254	$	2,223	$	2,575
Hardware	24,508		19,242		5,854
Venture capital/private equity	37		—		—
Life science	334		345		1,228
Premium wine	2,210		3,513		2,566
Other	3,601		3,558		4,751
Total commercial loans	36,944		28,881		16,974
Consumer loans:
Real estate secured loans	2,957		5,037		19,179
Other consumer loans	945		1,896		1,076
Total consumer loans	3,902		6,933		20,255
Total average impaired loans	$	40,846	$	35,814	$	37,229

The following tables summarize the activity relating to our allowance for loan losses for 2013, 2012, and 2011 broken out by portfolio segment:

Year ended December 31, 2013	Beginning Balance December 31, 2012		Charge-offs			Recoveries		Provision for (Reduction of) Loan Losses			Ending Balance December 31, 2013
(Dollars in thousands)
Commercial loans:
Software	$	42,648	$	(8,861	)	$	1,934	$	28,363		$	64,084
Hardware	29,761		(18,819		)	2,677		22,934			36,553
Venture capital/private equity	9,963		—			—		6,422			16,385
Life science	13,606		(6,010		)	1,860		2,470			11,926
Premium wine	3,523		—			170		221			3,914
Other	3,912		(8,107		)	2,995		4,880			3,680
Total commercial loans	103,413		(41,797		)	9,636		65,290			136,542
Consumer loans	7,238		(869		)	1,572		(1,597		)	6,344
Total allowance for loan losses	$	110,651	$	(42,666	)	$	11,208	$	63,693		$	142,886

Year ended December 31, 2012	Beginning Balance December 31, 2011		Charge-offs			Recoveries		Provision for (Reduction of) Loan Losses			Ending Balance December 31, 2012
(Dollars in thousands)
Commercial loans:
Software	$	38,263	$	(4,316	)	$	4,874	$	3,827		$	42,648
Hardware	16,810		(20,247		)	1,107		32,091			29,761
Venture capital/private equity	7,319		—			—		2,644			9,963
Life science	10,243		(5,080		)	334		8,109			13,606
Premium wine	3,914		(584		)	650		(457		)	3,523
Other	5,817		(2,485		)	1,377		(797		)	3,912
Total commercial loans	82,366		(32,712		)	8,342		45,417			103,413
Consumer loans	7,581		(607		)	1,351		(1,087		)	7,238
Total allowance for loan losses	$	89,947	$	(33,319	)	$	9,693	$	44,330		$	110,651

Year ended December 31, 2011	Beginning Balance December 31, 2010		Charge-offs			Recoveries		Provision for (Reduction of) Loan Losses			Ending Balance December 31, 2011
(Dollars in thousands)
Commercial loans:
Software	$	29,288	$	(10,252	)	$	11,659	$	7,568		$	38,263
Hardware	14,688		(4,828		)	455		6,495			16,810
Venture capital/private equity	8,241		—			—		(922		)	7,319
Life science	9,077		(4,201		)	6,644		(1,277		)	10,243
Premium wine	5,492		(449		)	1,223		(2,352		)	3,914
Other	5,318		(3,954		)	471		3,982			5,817
Total commercial loans	72,104		(23,684		)	20,452		13,494			82,366
Consumer loans	10,523		(220		)	4,671		(7,393		)	7,581
Total allowance for loan losses	$	82,627	$	(23,904	)	$	25,123	$	6,101		$	89,947

The following table summarizes the allowance for loan losses individually and collectively evaluated for impairment as of December 31, 2013 and 2012, broken out by portfolio segment:

	December 31, 2013				December 31, 2012
(Dollars in thousands)	Individually Evaluated for   Impairment		Collectively Evaluated for   Impairment		Individually Evaluated for   Impairment		Collectively Evaluated for   Impairment
Commercial loans:
Software	$	11,261	$	52,823	$	762	$	41,886
Hardware	9,673		26,880		5,251		24,510
Venture capital/private equity	19		16,366		—		9,963
Life science	—		11,926		—		13,606
Premium wine	—		3,914		—		3,523
Other	156		3,524		—		3,912
Total commercial loans	21,109		115,433		6,013		97,400
Consumer loans	168		6,176		248		6,990
Total allowance for loan losses	$	21,277	$	121,609	$	6,261	$	104,390

Credit Quality Indicators

For each individual client, we establish an internal credit risk rating for that loan, which is used for assessing and monitoring credit risk as well as performance of the loan and the overall portfolio. Our internal credit risk ratings are also used to summarize the risk of loss due to failure by an individual borrower to repay the loan. For our internal credit risk ratings, each individual loan is given a risk rating of 1 through 10. Loans risk-rated 1 through 4 are performing loans and translate to an internal rating of “Pass”, with loans risk-rated 1 being cash secured. Loans risk-rated 5 through 7 are performing loans, however, we consider them as demonstrating higher risk, which requires more frequent review of the individual exposures; these translate to an internal rating of “Performing (Criticized)”. A majority of our Performing (Criticized) loans are from our SVB Accelerator practice, serving our emerging or early stage clients. Loans risk-rated 8 and 9 are loans that are considered to be impaired and are on nonaccrual status. Loans are placed on nonaccrual status when they become 90 days past due as to principal or interest payments (unless the principal and interest are well secured and in the process of collection), or when we have determined, based upon most recent available information, that the timely collection of principal or interest is not probable; these loans are deemed “impaired” (For further description of nonaccrual loans, refer to Note 2—“Summary of Significant Accounting Policies”). Loans rated 10 are charged-off and are not included as part of our loan portfolio balance. We review our credit quality indicators for performance and appropriateness of risk ratings as part of our evaluation process for our allowance for loan losses.

The following table summarizes the credit quality indicators, broken out by portfolio segment and class of financing receivables as of December 31, 2013 and 2012:

(Dollars in thousands)	Pass		Performing     (Criticized)		Impaired		Total
December 31, 2013:
Commercial loans:
Software	$	3,875,043	$	238,697	$	27,618	$	4,141,358
Hardware	995,055		209,758		19,667		1,224,480
Venture capital/private equity	2,408,386		—		40		2,408,426
Life science	1,091,993		87,995		1,278		1,181,266
Premium wine	652,747		13,008		1,442		667,197
Other	383,602		15,536		690		399,828
Total commercial loans	9,406,826		564,994		50,735		10,022,555
Consumer loans:
Real estate secured loans	868,789		4,037		244		873,070
Other consumer loans	95,586		3,387		670		99,643
Total consumer loans	964,375		7,424		914		972,713
Total gross loans	$	10,371,201	$	572,418	$	51,649	$	10,995,268
December 31, 2012:
Commercial loans:
Software	$	3,050,449	$	240,187	$	3,263	$	3,293,899
Hardware	970,802		136,819		21,863		1,129,484
Venture capital/private equity	1,748,663		1,240		—		1,749,903
Life science	956,276		120,516		—		1,076,792
Premium wine	545,697		9,189		4,398		559,284
Other	360,291		18,608		5,415		384,314
Total commercial loans	7,632,178		526,559		34,939		8,193,676
Consumer loans:
Real estate secured loans	663,911		19,343		2,239		685,493
Other consumer loans	132,818		11,160		1,101		145,079
Total consumer loans	796,729		30,503		3,340		830,572
Total gross loans	$	8,428,907	$	557,062	$	38,279	$	9,024,248

TDRs

As of December 31, 2013 we had 18 TDRs with a total carrying value of $22 million where concessions have been granted to borrowers experiencing financial difficulties, in an attempt to maximize collection. This compares to 18 TDRs with a total carrying value of $34 million as of December 31, 2012. There were unfunded commitments available for funding of $0.1 million to the clients associated with these TDRs as of December 31, 2013. The following table summarizes our loans modified in TDRs, broken out by portfolio segment and class of financing receivables at December 31, 2013 and 2012:

	December 31,
(Dollars in thousands)	2013		2012
Loans modified in TDRs:
Commercial loans:
Software	$	5,860	$	2,021
Hardware	13,329		20,514
Venture capital/ private equity	77		—
Premium wine	1,442		2,593
Other	1,055		5,900
Total commercial loans	21,763		31,028
Consumer loans:
Real estate secured loans	—		2,199
Other consumer loans	670		1,101
Total consumer loans	670		3,300
Total	$	22,433	$	34,328

The following table summarizes the recorded investment in loans modified in TDRs, broken out by portfolio segment and class of financing receivable, for modifications made during 2013, 2012, and 2011:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Loans modified in TDRs during the period:
Commercial loans:
Software	$	4,932	$	1,939	$	615
Hardware	8,143		20,514		4,018
Venture capital/ private equity	77		—		—
Premium wine	—		1,024		1,949
Other	690		4,878		3,884
Total commercial loans	13,842		28,355		10,466
Consumer loans:
Real estate secured loans	—		368		—
Other consumer loans	6		—		3,133
Total consumer loans	6		368		3,133
Total loans modified in TDRs during the period (1)	$	13,848	$	28,723	$	13,599

(1) During 2013 , 2012, and 2011 we had partial charge-offs of $11.1 million, $14.3 million, and $2.8 million respectively, on loans classified as TDRs.

During 2013 and 2011 all new TDRs were modified through payment deferrals granted to our clients and no principal or interest was forgiven. During 2012 new TDRs totaling $9 million and $19 million were modified through forgiveness of principal and payment deferrals granted to our clients, respectively.

The related allowance for loan losses for the majority of our TDRs is determined on an individual basis by comparing the carrying value of the loan to the present value of the estimated future cash flows, discounted at the pre-modification contractual interest rate. For certain TDRs, the related allowance for loan losses is determined based on the fair value of the collateral if the loan is collateral dependent.

The following table summarizes the recorded investment in loans modified in TDRs within the previous 12 months that subsequently defaulted during their respective periods, broken out by portfolio segment and class of financing receivable:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
TDRs modified within the previous 12 months that defaulted during the period:
Commercial loans:
Hardware	$	1,627	$	1,868	$	1,885
Venture capital/ private equity	38		—		—
Premium wine	—		—		1,949
Other	365		—		—
Total commercial loans	2,030		1,868		3,834
Consumer loans:
Real estate secured loans	—		120		—
Other consumer loans	6		—		3,133
Total consumer loans	6		120		3,133
Total TDRs modified within the previous 12 months that defaulted in the period	$	2,036	$	1,988	$	6,967

Charge-offs and defaults on previously restructured loans are evaluated to determine the impact to the allowance for loan losses, if any. The evaluation of these defaults may impact the assumptions used in calculating the reserve on other TDRs and impaired loans as well as management’s overall outlook of macroeconomic factors that affect the reserve on the loan portfolio as a whole. After evaluating the charge-offs and defaults experienced on our TDRs we determined that no change to our reserving methodology was necessary to determine the allowance for loan losses as of December 31, 2013.

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Stockholders' Equity and EPS Common Shares Excluded from Diluted EPS Calculation as They Were Deemed to be Anti-Dilutive (Detail) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Shares excluded from diluted earnings per share calculation	366	695	1,093
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Shares excluded from diluted earnings per share calculation	261	695	944
Restricted stock unit
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Shares excluded from diluted earnings per share calculation	105	0	149

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Other Noninterest Income and Other Noninterest Expense Summary of Other Noninterest Expense (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Other Income and Expenses [Abstract]
Client services	$ 8,181	$ 6,910	$ 4,594
Data processing services	7,895	5,876	4,811
Tax credit fund amortization	6,436	3,911	4,474
Telephone	6,258	6,528	5,835
Postage and supplies	2,462	2,482	2,162
Dues and publications	1,745	2,067	1,570
Net gain from note repurchases and termination of corresponding interest rate swaps	0	0	(3,123)	[1]
Other	8,950	8,188	10,499
Total other noninterest expense	$ 41,927	$ 35,962	$ 30,822

[1] Represents gains from the repurchase of $109 million of our 5.70% Senior Notes and $204 million of our 6.05% Subordinated Notes and the termination of the corresponding portions of interest rate swaps in 2011. For more information, see Note 11–"Short-Term Borrowings and Long-Term Debt."

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Cash and Cash Equivalents

12 Months Ended

Dec. 31, 2013

Cash and Cash Equivalents [Abstract]

Cash and Cash Equivalents

Cash and Cash Equivalents

The following table details our cash and cash equivalents at December 31, 2013 and December 31, 2012:

(Dollars in thousands)	December 31, 2013		December 31, 2012
Cash and due from banks (1)	$	1,349,688	$	752,056
Securities purchased under agreements to resell (2)	172,989		133,357
Other short-term investment securities	16,102		123,570
Total cash and cash equivalents	$	1,538,779	$	1,008,983

(1) At December 31, 2013 and 2012, $715 million and $72 million, respectively, of our cash and due from banks was deposited at the FRB and was earning interest at the Federal Funds target rate, and interest-earning deposits in other financial institutions were $300 million and $283 million, respectively.

(2) At December 31, 2013 and 2012, securities purchased under agreements to resell were collateralized by U.S. Treasury securities and U.S. agency securities with aggregate fair values of $176 million and $136 million, respectively. None of these securities received as collateral were sold or repledged as of December 31, 2013 and 2012.

Additional information regarding our securities purchased under agreements to resell for 2013 and 2012 is as follows:

	Year Ended December 31,
(Dollars in thousands)	2013		2012
Average securities purchased under agreements to resell	$	96,309	$	131,287
Maximum amount outstanding at any month-end during the year	338,687		266,534

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Investment Securities

12 Months Ended

Dec. 31, 2013

Investments, Debt and Equity Securities [Abstract]

Investment Securities

Investment Securities

Our investment securities portfolio consists of both an available-for-sale securities portfolio, which represents interest-earning investment securities, and a non-marketable and other securities portfolio, which primarily represents investments managed as part of our funds management business.

The major components of our investment securities portfolio at December 31, 2013 and December 31, 2012 are as follows:

	December 31, 2013									December 31, 2012
(Dollars in thousands)	Amortized Cost		Unrealized Gains		Unrealized Losses			Carrying Value		Amortized Cost		Unrealized Gains		Unrealized Losses			Carrying Value
Available-for-sale securities, at fair value:
U.S. treasury securities	$	—	$	—	$	—		$	—	$	25,057	$	190	$	—		$	25,247
U.S. agency debentures	4,344,652		41,365		(40,785		)	4,345,232		3,370,455		77,173		—			3,447,628
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	2,472,528		17,189		(16,141		)	2,473,576		1,428,682		44,858		(107		)	1,473,433
Agency-issued collateralized mortgage obligations—fixed rate	3,386,670		24,510		(85,422		)	3,325,758		4,063,020		41,949		(995		)	4,103,974
Agency-issued collateralized mortgage obligations—variable rate	1,183,333		3,363		(123		)	1,186,573		1,760,551		12,201		(4		)	1,772,748
Agency-issued commercial mortgage-backed securities	581,475		552		(17,423		)	564,604		416,487		6,100		(489		)	422,098
Municipal bonds and notes	82,024		4,024		(21		)	86,027		85,790		7,750		(11		)	93,529
Equity securities	4,842		692		(483		)	5,051		2,108		2,739		(327		)	4,520
Total available-for-sale securities	$	12,055,524	$	91,695	$	(160,398	)	$	11,986,821	$	11,152,150	$	192,960	$	(1,933	)	$	11,343,177
Non-marketable and other securities:
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments (1)								862,972									665,921
Other venture capital investments (2)								32,839									127,091
Other Securities (fair value accounting) (3)								321,374									—
Non-marketable securities (equity method accounting):
Other investments (4)								142,883									139,330
Low income housing tax credit funds								72,241									70,318
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments (5)								148,994									161,884
Other investments								14,191									19,721
Total non-marketable and other securities								1,595,494									1,184,265
Total investment securities								$	13,582,315								$	12,527,442

	December 31, 2013				December 31, 2012
(Dollars in thousands)	Amount		Ownership %		Amount		Ownership %
SVB Strategic Investors Fund, LP	$	29,104	12.6	%	$	32,850	12.6	%
SVB Strategic Investors Fund II, LP	96,185		8.6		91,294		8.6
SVB Strategic Investors Fund III, LP	260,272		5.9		209,696		5.9
SVB Strategic Investors Fund IV, LP	226,729		5.0		169,931		5.0
Strategic Investors Fund V Funds	118,181		Various		40,622		Various
Strategic Investors Fund VI Funds	7,944		0.2		—		—
SVB Capital Preferred Return Fund, LP	59,028		20.0		53,643		20.0
SVB Capital—NT Growth Partners, LP	61,126		33.0		60,120		33.0
SVB Capital Partners II, LP (i)	708		5.1		1,303		5.1
Other private equity fund (ii)	3,695		58.2		6,462		58.2
Total venture capital and private equity fund investments	$	862,972			$	665,921

(i) At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership interest of SVB Strategic Investors Fund II, LP.

(ii) At December 31, 2013, we had a direct ownership interest of 41.5 percent and indirect ownership interests of 12.6 percent and 4.1 percent in the fund through our ownership interest of SVB Capital—NT Growth Partners, LP and SVB Capital Preferred Return Fund, LP, respectively.

(2) The following table shows the amounts of other venture capital investments held by the following consolidated funds and our ownership percentage of each fund at December 31, 2013 and December 31, 2012 (fair value accounting):

	December 31, 2013				December 31, 2012
(Dollars in thousands)	Amount		Ownership %		Amount		Ownership %
Silicon Valley BancVentures, LP	$	6,564	10.7	%	$	43,493	10.7	%
SVB Capital Partners II, LP (i)	22,684		5.1		79,761		5.1
SVB Capital Shanghai Yangpu Venture Capital Fund	3,591		6.8		3,837		6.8
Total other venture capital investments	$	32,839			$	127,091

(i) At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership of SVB Strategic Investors Fund II, LP.

(3) Investments classified as other securities (fair value accounting) represent direct equity investments in public companies held by our consolidated funds. This amount primarily includes total unrealized gains of $294 million in two of our public portfolio companies, FireEye and Twitter, both of which are currently subject to lock-up agreements. The extent to which any unrealized gains will become realized is subject to a variety of factors, including, among other things, the expiration of certain sales restrictions to which these securities are subject, the actual sales of securities and the timing of such actual sales.

(4) The following table shows the carrying value and our ownership percentage of each investment at December 31, 2013 and December 31, 2012 (equity method accounting):

	December 31, 2013				December 31, 2012
(Dollars in thousands)	Amount		Ownership %		Amount		Ownership %
Gold Hill Venture Lending 03, LP (i)	$	7,900	9.3	%	$	9,413	9.3	%
Gold Hill Capital 2008, LP (ii)	21,867		15.5		20,893		15.5
China Joint Venture investment	79,940		50.0		78,545		50.0
Other investments	33,176		Various		30,479		Various
Total other investments (equity method accounting)	$	142,883			$	139,330

(i) At December 31, 2013, we had a direct ownership interest of 4.8 percent in the fund and an indirect interest in the fund through our investment in Gold Hill Venture Lending Partners 03, LLC (“GHLLC”) of 4.5 percent.

(ii) At December 31, 2013, we had a direct ownership interest of 11.5 percent in the fund and an indirect interest in the fund through our investment in Gold Hill Capital 2008, LLC of 4.0 percent.

(5) Represents investments in 288 and 324 funds (primarily venture capital funds) at December 31, 2013 and December 31, 2012, respectively, where our ownership interest is less than 5% of the voting interests of each such fund and in which we do not have the ability to exercise significant influence over the partnerships operating activities and financial policies. The carrying value, and estimated fair value, of these venture capital and private equity fund investments (cost method accounting) was $149 million, and $215 million, respectively, as of December 31, 2013. The carrying value, and estimated fair value, of the venture capital and private equity fund investments (cost method accounting) was 162 million, and $193 million, respectively, as of December 31, 2012.

The following table summarizes our unrealized losses on our available-for-sale securities portfolio into categories of less than 12 months, or 12 months or longer as of December 31, 2013:

	December 31, 2013
	Less than 12 months					12 months or longer					Total
(Dollars in thousands)	Fair Value of Investments		Unrealized Losses			Fair Value of Investments		Unrealized Losses			Fair Value of Investments		Unrealized Losses
U.S. agency debentures	$	1,821,045	$	(40,785	)	$	—	$	—		$	1,821,045	$	(40,785	)
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	1,480,870		(14,029		)	19,830		(2,112		)	1,500,700		(16,141		)
Agency-issued collateralized mortgage obligations—fixed rate	2,098,137		(79,519		)	134,420		(5,903		)	2,232,557		(85,422		)
Agency-issued collateralized mortgage obligations—variable rate	109,699		(123		)	—		—			109,699		(123		)
Agency-issued commercial mortgage-backed securities	464,171		(17,423		)	—		—			464,171		(17,423		)
Municipal bonds and notes	3,404		(21		)	—		—			3,404		(21		)
Equity securities	909,510		(483		)	—		—			909,510		(483		)
Total temporarily impaired securities (1)	$	6,886,836	$	(152,383	)	$	154,250	$	(8,015	)	$	7,041,086	$	(160,398	)

(1) As of December 31, 2013, we identified a total of 220 investments that were in unrealized loss positions, of which eight investments totaling $154 million with unrealized losses of $8 million have been in an impaired position for a period of time greater than 12 months. As of December 31, 2013, we do not intend to sell any impaired debt or equity securities prior to recovery of our adjusted cost basis, and it is more likely than not that we will not be required to sell any of our securities prior to recovery of our adjusted cost basis. Based on our analysis as of December 31, 2013, we deem all impairments to be temporary, and therefore changes in value for our temporarily impaired securities as of the same date are included in other comprehensive income. Market valuations and impairment analyses on assets in the available-for-sale securities portfolio are reviewed and monitored on a quarterly basis.

The following table summarizes our unrealized losses on our available-for-sale securities portfolio into categories of less than 12 months, or 12 months or longer as of December 31, 2012:

	December 31, 2012
	Less than 12 months					12 months or longer					Total
(Dollars in thousands)	Fair Value of Investments		Unrealized Losses			Fair Value of Investments		Unrealized Losses			Fair Value of Investments		Unrealized Losses
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	$	22,831	$	(107	)	$	—	$	—		$	22,831	$	(107	)
Agency-issued collateralized mortgage obligations—fixed rate	461,397		(995		)	—		—			461,397		(995		)
Agency-issued collateralized mortgage obligations—variable rate	—		—			7,908		(4		)	7,908		(4		)
Agency-issued commercial mortgage-backed securities	150,581		(489		)	—		—			150,581		(489		)
Municipal bonds and notes	2,098		(11		)	—		—			2,098		(11		)
Equity securities	97		(61		)	255		(266		)	352		(327		)
Total temporarily impaired securities	$	637,004	$	(1,663	)	$	8,163	$	(270	)	$	645,167	$	(1,933	)

The following table summarizes the remaining contractual principal maturities and fully taxable equivalent yields on debt securities classified as available-for-sale as of December 31, 2013. Interest income on certain municipal bonds and notes (non-taxable investments) are presented on a fully taxable equivalent basis using the federal statutory tax rate of 35.0 percent. The weighted average yield is computed using the amortized cost of debt securities, which are reported at fair value. For U.S. treasury securities, the expected maturity is the actual contractual maturity of the notes. Expected remaining maturities for certain U.S. agency debentures may occur earlier than their contractual maturities because the note issuers have the right to call outstanding amounts ahead of their contractual maturity. Expected maturities for mortgage-backed securities may differ significantly from their contractual maturities because mortgage borrowers have the right to prepay outstanding loan obligations with or without penalties. Mortgage-backed securities classified as available-for-sale typically have original contractual maturities from 10 to 30 years whereas expected average lives of these securities tend to be significantly shorter and vary based upon structure and prepayments in lower rate environments.

	December 31, 2013
	Total				One Year or Less				After One Year to Five Years				After Five Years to Ten Years				After Ten Years
(Dollars in thousands)	Carrying Value		Weighted- Average Yield		Carrying Value		Weighted- Average Yield		Carrying Value		Weighted- Average Yield		Carrying Value		Weighted- Average Yield		Carrying Value		Weighted- Average Yield
U.S. agency debentures	$	4,345,232	2.03	%	$	197,305	1.26	%	$	2,926,457	1.50	%	$	1,221,470	2.00	%	$	—	—	%
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	2,473,576		2.44		—		—		876		7.50		953,783		2.24		1,518,917		2.56
Agency-issued collateralized mortgage obligations - fixed rate	3,325,758		1.90		—		—		—		—		41,945		2.81		3,283,813		1.90
Agency-issued collateralized mortgage obligations - variable rate	1,186,573		0.70		—		—		—		—		—		—		1,186,573		0.70
Agency-issued commercial mortgage-backed securities	564,604		2.18		—		—		—		—		—		—		564,604		2.18
Municipal bonds and notes	86,027		5.98		1,322		5.44		25,539		5.71		43,523		6.05		15,643		6.26
Total	$	11,981,770	1.98		$	198,627	1.29		$	2,952,872	1.54		$	2,260,721	2.20		$	6,569,550	1.87

The following table presents the components of gains and losses (realized and unrealized) on investment securities in 2013, 2012 and 2011:

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Gross gains on investment securities:
Available-for-sale securities, at fair value (1)	$	3,887		$	6,380		$	37,387
Marketable securities (fair value accounting)	—			8,863			912
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments	186,404			107,507			145,892
Other venture capital investments (2)	9,241			58,409			36,506
Other investments	—			21			40
Other securities (fair value accounting) (2)	227,252			—			—
Non-marketable securities (equity method accounting):
Other investments	18,235			16,923			12,445
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments	10,081			3,503			2,517
Other investments	431			1,715			6,527
Total gross gains on investment securities	455,531			203,321			242,226
Gross losses on investment securities:
Available-for-sale securities, at fair value (1)	(3,349		)	(2,139		)	(261		)
Marketable securities (fair value accounting)	—			(1,675		)	(8,103		)
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments	(17,185		)	(63,146		)	(26,591		)
Other venture capital investments	(3,496		)	(11,062		)	(8,918		)
Other investments	—			—			(16		)
Other securities (fair value accounting)	(2,962		)	—			—
Non-marketable securities (equity method accounting):
Other investments	(3,111		)	(1,987		)	(2,241		)
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments (3)	(1,700		)	(1,079		)	(1,028		)
Other investments (4)	(4,320		)	(119		)	(34		)
Total gross losses on investment securities	(36,123		)	(81,207		)	(47,192		)
Gains on investment securities, net	$	419,408		$	122,114		$	195,034

(1) Includes realized gains (losses) on sales of available-for-sale securities that are recognized in the income statement. Unrealized gains (losses) on available-for-sale securities are recognized in other comprehensive income. The cost basis of available-for-sale securities sold is determined on a specific identification basis.

(2) Other securities (fair value accounting) and other venture capital investments includes unrealized valuation gains of $219 million for the year ended December 31, 2013 attributable to two of our portfolio companies, FireEye and Twitter. Both FireEye and Twitter are each subject to a lock-up agreement. The extent to which any unrealized gains will become realized is subject to a variety of factors, including, among other things, the expiration of current lock-up agreements to which these securities are subject, the actual sales of securities and the timing of such actual sales.

(3) Includes OTTI of $1.4 million from the declines in value for 43 of the 288 investments, $1.0 million from the declines in value for 46 of the 324 investments, and 1.0 million from the declines in value for 41 of the 329 investments held at December 31, 2013, 2012, and 2011, respectively. We concluded that any declines in value for the remaining investments were temporary, and as such, no OTTI was required to be recognized.

(4) Includes OTTI of $3.9 million impairment charge on a single direct equity investment. We concluded that any declines in value for the remaining investments were temporary, and as such, no OTTI was required to be recognized. There were no recognized OTTI amounts for the years ended December 31, 2012 and 2011.

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Fair Value of Financial Instruments Summary of Estimated Fair Values of Investments and Remaining Unfunded Commitments for Each Major Category of Investments (Textual) (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Fair Value	$ 1,132,070
Unfunded Commitments	478,920
Non-marketable securities | Fair value accounting | Venture capital and private equity fund investments
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Fair Value	862,972	[1]
Unfunded Commitments	428,139	[1]
Non-marketable securities | Equity method accounting | Other investments
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Fair Value	54,544	[2]
Unfunded Commitments	15,436	[2]
Non-marketable securities | Cost method accounting | Venture capital and private equity fund investments
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Fair Value	214,554	[3]
Unfunded Commitments	35,345	[3]
Non-marketable securities | Noncontrolling Interests | Fair value accounting | Venture capital and private equity fund investments
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Fair Value	786,000
Unfunded Commitments	$ 422,000
Non-marketable securities | Lower Limit | Fair value accounting | Venture capital and private equity fund investments
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Estimated future period of distributions from the fund investments	10 years
Non-marketable securities | Lower Limit | Equity method accounting | Other investments
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Estimated future period of distributions from the fund investments	10 years
Non-marketable securities | Lower Limit | Cost method accounting | Venture capital and private equity fund investments
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Estimated future period of distributions from the fund investments	10 years
Non-marketable securities | Upper Limit | Fair value accounting | Venture capital and private equity fund investments
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Estimated future period of distributions from the fund investments	13 years
Non-marketable securities | Upper Limit | Equity method accounting | Other investments
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Estimated future period of distributions from the fund investments	13 years
Non-marketable securities | Upper Limit | Cost method accounting | Venture capital and private equity fund investments
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share [Line Items]
Estimated future period of distributions from the fund investments	13 years

[1] Venture capital and private equity fund investments within non-marketable and other securities (fair value accounting) include investments made by our managed funds of funds and one of our direct venture funds. These investments represent investments in venture capital and private equity funds that invest primarily in U.S. and global technology and life sciences companies. Included in the fair value and unfunded commitments of fund investments under fair value accounting are $786 million and $422 million, respectively, attributable to noncontrolling interests. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds and any potential extensions of terms of the funds.

[2] Other investments within non-marketable securities (equity method accounting) include investments in debt funds and venture capital and private equity fund investments that invest in or lend money to primarily U.S. and global technology and life sciences companies. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds.

[3] Venture capital and private equity fund investments within non-marketable securities (cost method accounting) include investments in venture capital and private equity fund investments that invest primarily in U.S. and global technology and life sciences companies. It is estimated that we will receive distributions from the fund investments over the next 10 to 13 years, depending on the age of the funds and any potential extensions of the terms of the funds.

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Premises and Equipment

12 Months Ended

Dec. 31, 2013

Property, Plant and Equipment [Abstract]

Premises and Equipment

Premises and Equipment

Premises and equipment at December 31, 2013 and 2012 consisted of the following:

	December 31,
(Dollars in thousands)	2013			2012
Computer software	$	128,129		$	108,415
Computer hardware	45,241			42,147
Leasehold improvements	40,851			36,907
Furniture and equipment	19,434			17,431
Total	233,655			204,900
Accumulated depreciation and amortization	(166,170		)	(138,355		)
Premises and equipment, net	$	67,485		$	66,545

Depreciation and amortization expense for premises and equipment was $29.1 million, $23.7 million, and $17.7 million in 2013, 2012 and 2011, respectively. Additionally, in 2013 we wrote-off $1.2 million in certain assets, primarily computer software.

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Share-Based Compensation Unrecognized Share-Based Compensation Expense (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013
Unrecognized Share Based Compensation Expense [Line Items]
Unrecognized Expense	$ 45,352
Stock option
Unrecognized Share Based Compensation Expense [Line Items]
Unrecognized Expense	14,978
Average Expected Recognition Period - in Years	2 years 6 months 4 days
Restricted stock units
Unrecognized Share Based Compensation Expense [Line Items]
Unrecognized Expense	$ 30,374
Average Expected Recognition Period - in Years	2 years 6 months 15 days

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Off-Balance Sheet Arrangements, Guarantees and Other Commitments Summary Information Related to Commitments to Extend Credit (Excluding Letters of Credit) (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Disclosure Summary Information Related To Commitments To Extend Credit [Abstract]
Fixed interest rate commitments	$ 1,392,781	[1]	$ 862,120	[1]
Variable interest rate commitments	9,101,973	[1]	6,906,580	[1]
Total loan commitments available for funding	10,494,754	[1]	7,768,700	[1]
Commercial and standby letters of credit	975,968	[2]	842,091	[2]
Total unfunded credit commitments	11,470,722		8,610,791
Commitments unavailable for funding	1,006,168	[3]	1,315,072	[3]
Maximum lending limits for accounts receivable factoring arrangements	894,276	[4]	880,057	[4]
Reserve for unfunded credit commitments	$ 29,983	[5]	$ 22,299	[5]

[1] Represents commitments which are available for funding, due to clients meeting all collateral, compliance and financial covenants required under loan commitment agreements.

[2] See below for additional information on our commercial and standby letters of credit.

[3] Represents commitments which are currently unavailable for funding, due to clients failing to meet all collateral, compliance and financial covenants under loan commitment agreements.

[4] We extend credit under accounts receivable factoring arrangements when our clients’ sales invoices are deemed creditworthy under existing underwriting practices.

[5] Our reserve for unfunded credit commitments includes an allowance for both our unfunded loan commitments and our letters of credit.

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Loans and Allowance for Loan Losses Composition of Loans, Net of Unearned income (Parenthetical) (Detail) (USD $)	Dec. 31, 2013		Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 10,906,386,000	[1]	$ 8,946,933,000	[1]
Credit Card Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	85,000,000		64,000,000
Real estate secured loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	873,255,000		685,300,000
Real estate secured loans | Loans for personal residence
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	685,327,000		503,378,000
Real estate secured loans | Loans to eligible employees
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	121,548,000		110,584,000
Real estate secured loans | Home equity lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	66,380,000		71,338,000
Premium wine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	664,834,000		557,024,000
Loans Receivable, Gross, Commercial, Construction	112,000,000		148,000,000
Total consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 972,966,000		$ 829,957,000

[1] Included within our total loan portfolio are credit card loans of $85 million and $64 million at December 31, 2013 and 2012, respectively.

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Share-Based Compensation Weighted Average Assumptions and Fair Values Used for ESPP (Detail) (Employee Stock Purchase Plan, USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Employee Stock Purchase Plan
Share based Compensation Arrangement by Share based Payment Award, Fair Value Assumptions, Method Used [Line Items]
Expected term in years	6 months	6 months	6 months
Weighted average expected volatility of the Company's underlying common stock	22.30%	43.50%	27.30%
Risk-free interest rate	0.11%	0.11%	0.15%
Expected dividend yield	$ 0.0000	$ 0.0000	$ 0.0000
Weighted average fair value	$ 15.35	$ 14.43	$ 13.02

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Aggregate Annual Maturities of Long-Term Debt Obligations (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Debt Disclosure [Abstract]
2014	$ 0
2015	0
2016	0
2017	51,987
2018	0
2019 and thereafter	403,229
Total	$ 455,216	$ 457,762

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Share-Based Compensation - Additional Information (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013
Compensation Related Costs Share Based Payments Disclosure [Line Items]
Expected volatility term	5 years
Closing stock price	$ 104.86
Number of shares available for issuance	1,749,744
Equity Incentive Plan
Compensation Related Costs Share Based Payments Disclosure [Line Items]
Maximum aggregate number of shares that may be awarded and sold	7,543,321
Number of shares available for Grant additional shares approved in period	2,000,000
Options granted under the 2006 Incentive Plan, expiration period	7 years
Options, exercisable period	4 years
Equity Incentive Plan | Restricted stock units | Lower Limit
Compensation Related Costs Share Based Payments Disclosure [Line Items]
Vesting period	3 years
Equity Incentive Plan | Performance-based restricted stock | Lower Limit
Compensation Related Costs Share Based Payments Disclosure [Line Items]
Vesting period	12 months
Employee Stock Purchase Plan
Compensation Related Costs Share Based Payments Disclosure [Line Items]
Maximum percentage of gross compensation that participating employees may annually contribute towards ESPP	10.00%
Maximum amount that participating employees may annually contribute towards ESPP	$ 25,000
Percentage of fair market value of common stock at which employees may purchase shares under ESPP	85.00%
Number of shares issued under ESPP	176,416
Proceeds from issuance of shares under ESPP	$ 9,800,000
Number of shares available for issuance	696,309

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Loans and Allowance for Loan Losses Credit Quality Indicators, Broken out by Portfolio Segment and Class of Financing Receivables (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	$ 10,995,268	$ 9,024,248
Software
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	4,141,358	3,293,899
Hardware
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	1,224,480	1,129,484
Venture capital/private equity
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	2,408,426	1,749,903
Life science
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	1,181,266	1,076,792
Premium wine
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	667,197	559,284
Commercial, Other
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	399,828	384,314
Commercial loans
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	10,022,555	8,193,676
Real estate secured loans
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	873,070	685,493
Consumer, Other
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	99,643	145,079
Consumer loans
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	972,713	830,572
Pass
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	10,371,201	8,428,907
Pass | Software
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	3,875,043	3,050,449
Pass | Hardware
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	995,055	970,802
Pass | Venture capital/private equity
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	2,408,386	1,748,663
Pass | Life science
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	1,091,993	956,276
Pass | Premium wine
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	652,747	545,697
Pass | Commercial, Other
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	383,602	360,291
Pass | Commercial loans
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	9,406,826	7,632,178
Pass | Real estate secured loans
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	868,789	663,911
Pass | Consumer, Other
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	95,586	132,818
Pass | Consumer loans
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	964,375	796,729
Performing (Criticized)
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	572,418	557,062
Performing (Criticized) | Software
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	238,697	240,187
Performing (Criticized) | Hardware
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	209,758	136,819
Performing (Criticized) | Venture capital/private equity
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	0	1,240
Performing (Criticized) | Life science
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	87,995	120,516
Performing (Criticized) | Premium wine
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	13,008	9,189
Performing (Criticized) | Commercial, Other
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	15,536	18,608
Performing (Criticized) | Commercial loans
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	564,994	526,559
Performing (Criticized) | Real estate secured loans
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	4,037	19,343
Performing (Criticized) | Consumer, Other
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	3,387	11,160
Performing (Criticized) | Consumer loans
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	7,424	30,503
Impaired
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	51,649	38,279
Impaired | Software
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	27,618	3,263
Impaired | Hardware
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	19,667	21,863
Impaired | Venture capital/private equity
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	40	0
Impaired | Life science
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	1,278	0
Impaired | Premium wine
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	1,442	4,398
Impaired | Commercial, Other
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	690	5,415
Impaired | Commercial loans
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	50,735	34,939
Impaired | Real estate secured loans
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	244	2,239
Impaired | Consumer, Other
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	670	1,101
Impaired | Consumer loans
Financing Receivable, Recorded Investment [Line Items]
Financing receivable	$ 914	$ 3,340

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Fair Value of Financial Instruments Additional Information about Level 3 Assets Measured at Fair Value on a Recurring Basis (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Unrealized valuation gains	$ 219,000,000
Non-marketable securities | Fair value accounting | Other venture capital investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Transfers Out of Level 3	(3,561,000)		(7,590,000)
Fair Value, Measurements, Recurring
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	859,141,000		799,962,000		547,608,000
Total Realized and Unrealized Gains (Losses) Included in Income	(420,261,000)		(104,712,000)		(176,940,000)
Purchases	149,276,000		135,361,000		170,479,000
Sales	(17,904,000)		(30,793,000)		(53,047,000)
Issuances	9,098,000		11,978,000		13,849,000
Distributions and Other Settlements	(118,235,000)		(153,068,000)		(55,150,000)
Transfers Into Level 3	24,217,000		0		0
Transfers Out of Level 3	(10,903,000)		(9,011,000)		(717,000)
Ending Balance	1,314,951,000		859,141,000		799,962,000
Fair Value, Measurements, Recurring | Equity Warrant Asset, Public Portfolio | Other assets
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	66,129,000	[1]	63,030,000	[1]	43,537,000	[1]
Total Realized and Unrealized Gains (Losses) Included in Income	(22,929,000)	[1]	(13,697,000)	[1]	(31,958,000)	[1]
Purchases	0	[1]	0	[1]	0	[1]
Sales	(16,680,000)	[1]	(21,077,000)	[1]	(25,534,000)	[1]
Issuances	9,098,000	[1]	11,978,000	[1]	13,849,000	[1]
Distributions and Other Settlements	1,540,000	[1]	(78,000)	[1]	(63,000)	[1]
Transfers Into Level 3	24,217,000	[1]	0	[1]	0	[1]
Transfers Out of Level 3	(7,342,000)	[1]	(1,421,000)	[1]	(717,000)	[1]
Ending Balance	99,891,000	[1]	66,129,000	[1]	63,030,000	[1]
Fair Value, Measurements, Recurring | Fair value accounting | Other Securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	0	[2]
Total Realized and Unrealized Gains (Losses) Included in Income	(222,368,000)	[2]
Purchases	0	[2]
Sales	0	[2]
Issuances	0	[2]
Distributions and Other Settlements	96,881,000	[2]
Transfers Into Level 3	0	[2]
Transfers Out of Level 3	0	[2]
Fair Value, Measurements, Recurring | Non-marketable securities | Fair value accounting
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	793,012,000	[3]	736,932,000	[3]	504,071,000	[3]
Total Realized and Unrealized Gains (Losses) Included in Income	(397,332,000)	[3]	(91,015,000)	[3]	(144,982,000)	[3]
Purchases	149,276,000	[3]	135,361,000	[3]	170,479,000	[3]
Sales	(1,224,000)	[3]	(9,716,000)	[3]	(27,513,000)	[3]
Issuances	0	[3]	0	[3]	0	[3]
Distributions and Other Settlements	(119,775,000)	[3]	(152,990,000)	[3]	(55,087,000)	[3]
Transfers Into Level 3	0	[3]	0	[3]	0	[3]
Transfers Out of Level 3	(3,561,000)	[3]	(7,590,000)	[3]	0	[3]
Ending Balance	1,215,060,000	[3]	793,012,000	[3]	736,932,000	[3]
Fair Value, Measurements, Recurring | Non-marketable securities | Fair value accounting | Venture capital and private equity fund investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	665,921,000		611,824,000		391,247,000
Total Realized and Unrealized Gains (Losses) Included in Income	(169,219,000)		(44,283,000)		(119,164,000)
Purchases	146,564,000		122,238,000		156,498,000
Sales	0		0		0
Issuances	0		0		0
Distributions and Other Settlements	(118,732,000)		(112,424,000)		(55,085,000)
Transfers Into Level 3	0		0		0
Transfers Out of Level 3	0		0		0
Ending Balance	862,972,000		665,921,000		611,824,000
Fair Value, Measurements, Recurring | Non-marketable securities | Fair value accounting | Other venture capital investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	127,091,000	[2]	124,121,000		111,843,000
Total Realized and Unrealized Gains (Losses) Included in Income	(5,745,000)	[2]	(46,711,000)		(25,794,000)
Purchases	2,712,000	[2]	13,123,000		13,981,000
Sales	(1,224,000)	[2]	(9,716,000)		(27,513,000)
Issuances	0	[2]	0		0
Distributions and Other Settlements	(97,924,000)	[2]	(39,558,000)		16,000
Transfers Into Level 3	0	[2]	0		0
Transfers Out of Level 3	(3,561,000)	[2]	(7,590,000)		0
Ending Balance	32,839,000	[2]	127,091,000	[2]	124,121,000
Fair Value, Measurements, Recurring | Non-marketable securities | Fair value accounting | Other Securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Ending Balance	319,249,000	[2]
Fair Value, Measurements, Recurring | Non-marketable securities | Fair value accounting | Other investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance			987,000		981,000
Total Realized and Unrealized Gains (Losses) Included in Income			(21,000)		(24,000)
Purchases			0		0
Sales			0		0
Issuances			0		0
Distributions and Other Settlements			(1,008,000)		(18,000)
Transfers Into Level 3			0		0
Transfers Out of Level 3			0		0
Ending Balance			$ 0		$ 987,000

[1] Realized and unrealized gains are recorded on the line item “gains on derivative instruments, net”, a component of noninterest income.

[2] Includes total unrealized valuation gains of $219 million attributable to two of our portfolio companies, FireEye and Twitter.

[3] Realized and unrealized gains (losses) are recorded on the line items “gains on investment securities, net”, and “other noninterest income”, components of noninterest income.

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Stockholders' Equity and EPS (Tables)

12 Months Ended

Dec. 31, 2013

Equity and Earnings Per Share [Abstract]

Reconciliation of Basic EPS to Diluted EPS

The following is a reconciliation of basic EPS to diluted EPS for 2013, 2012 and 2011:

	Year ended December 31,
(Dollars and shares in thousands, except per share amounts)	2013		2012		2011
Numerator:
Net income available to common stockholders	$	215,853	$	175,103	$	171,902
Denominator:
Weighted average common shares outstanding-basic	45,309		44,242		43,004
Weighted average effect of dilutive securities:
Stock options and ESPP	431		370		517
Restricted stock units	204		152		116
Denominator for diluted calculation	45,944		44,764		43,637
Earnings per common share:
Basic	$	4.76	$	3.96	$	4.00
Diluted	$	4.70	$	3.91	$	3.94

Common Shares Excluded from Diluted EPS Calculation as They Were Deemed to be Anti-Dilutive

The following table summarizes the weighted-average common shares excluded from the diluted EPS calculation as they were deemed to be antidilutive for 2013, 2012 and 2011:

	Year ended December 31,
(Shares in thousands)	2013	2012	2011
Stock options	261	695	944
Restricted stock units	105	—	149
Total	366	695	1,093

Reclassification out of Accumulated Other Comprehensive Income

The following table summarizes the items reclassified out of accumulated other comprehensive (loss) income into the Consolidated Statements of Income for 2013, 2012, and 2011:

		Year ended December 31,
(Dollars in thousands)	Income Statement Location	2013			2012			2011
Reclassification adjustment for gains included in net income	Gains on investment securities, net	$	(538	)	$	(4,241	)	$	(37,127	)
Related tax expense	Income tax expense	218			1,661			15,189
Total reclassification adjustment for gains included in net income, net of tax		(320		)	(2,580		)	(21,938		)

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Parent Company Only Condensed Financial Information Condensed Statement of Income (Detail) (USD $) In Thousands, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Schedule of Condensed Consolidating Statement of Operations [Line Items]
Interest income	$ 195,384	$ 185,240	$ 177,983	$ 171,014	$ 168,168	$ 161,958	$ 159,818	$ 158,774	$ 729,621	$ 648,718	$ 565,388
Interest expense	(8,386)	(8,144)	(7,902)	(7,845)	(7,605)	(7,528)	(7,884)	(7,837)	(32,277)	(30,854)	(39,111)
Gains on derivative instruments, net									42,184	18,679	36,798
Gains on investment securities, net									419,408	122,114	195,034
Income tax expense	(35,285)	(47,404)	(29,968)	(26,401)	(29,526)	(28,470)	(31,517)	(23,756)	139,058	113,269	119,087
Net income available to common stockholders	58,757	67,621	48,584	40,891	50,421	42,289	47,603	34,790	215,853	175,103	171,902
Parent Company
Schedule of Condensed Consolidating Statement of Operations [Line Items]
Interest income									3,545	3,282	2,819
Interest expense									(24,408)	(23,037)	(27,252)
Dividend income from subsidiary									10,000	0	0
Gains on derivative instruments, net									47,421	17,289	34,654
Gains on investment securities, net									15,238	15,329	16,432
General and administrative expenses									(54,389)	(66,812)	(71,355)
Income tax expense									15,824	(12,200)	(7,468)
Loss before net income of subsidiaries									(18,417)	(41,749)	(37,234)
Net income available to common stockholders									215,853	175,103	171,902
Parent Company | Nonbank Subsidiaries
Schedule of Condensed Consolidating Statement of Operations [Line Items]
Loss before net income of subsidiaries									58,075	21,457	20,013
Equity in undistributed net income of subsidiary									58,075	21,457	20,013
Parent Company | Bank Subsidiaries
Schedule of Condensed Consolidating Statement of Operations [Line Items]
Loss before net income of subsidiaries									186,195	195,395	189,123
Equity in undistributed net income of subsidiary									$ 176,195	$ 195,395	$ 189,123

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Parent Company Only Condensed Financial Information (Tables)

12 Months Ended

Dec. 31, 2013

Condensed Financial Information of Parent Company Only Disclosure [Abstract]

Condensed Balance Sheets

Condensed Balance Sheets

	December 31,
(Dollars in thousands)	2013		2012
Assets:
Cash and cash equivalents	$	218,148	$	169,067
Investment securities	234,398		252,858
Net loans	4,791		8,869
Other assets	136,897		116,596
Investment in subsidiaries:
Bank subsidiary	1,639,024		1,592,987
Nonbank subsidiaries	160,271		115,427
Total assets	$	2,393,529	$	2,255,804
Liabilities and SVBFG stockholders’ equity:
5.375% Senior Notes	$	348,209	$	347,995
7.0% Junior Subordinated Debentures	55,020		55,196
Other liabilities	24,030		22,058
Total liabilities	427,259		425,249
SVBFG stockholders’ equity	1,966,270		1,830,555
Total liabilities and SVBFG stockholders’ equity	$	2,393,529	$	2,255,804

Condensed Statements of Income

Condensed Statements of Income

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Interest income	$	3,545		$	3,282		$	2,819
Interest expense	(24,408		)	(23,037		)	(27,252		)
Dividend income from bank subsidiary	10,000			—			—
Gains on derivative instruments, net	47,421			17,289			34,654
Gains on investment securities, net	15,238			15,329			16,432
General and administrative expenses	(54,389		)	(66,812		)	(71,355		)
Income tax (expense) benefit	(15,824		)	12,200			7,468
Loss before net income of subsidiaries	(18,417		)	(41,749		)	(37,234		)
Equity in undistributed net income of nonbank subsidiaries	58,075			21,457			20,013
Equity in undistributed net income of bank subsidiary	176,195			195,395			189,123
Net income available to common stockholders	$	215,853		$	175,103		$	171,902

Condensed Statements of Cash Flows

Condensed Statements of Cash Flows

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Cash flows from operating activities:
Net income attributable to SVBFG	$	215,853		$	175,103		$	171,902
Adjustments to reconcile net income to net cash used for operating activities:
Gains on derivative instruments, net	(47,421		)	(17,289		)	(34,654		)
Gains on investment securities, net	(15,238		)	(15,329		)	(16,432		)
Net income of bank subsidiary	(186,195		)	(195,395		)	(189,123		)
Net income on nonbank subsidiaries	(58,075		)	(21,457		)	(20,013		)
Cash dividends from bank subsidiary	10,000			—			—
Amortization of share-based compensation	25,413			21,861			18,221
(Increase) decrease in other assets	(11,901		)	5,463			21,926
Increase in other liabilities	1,506			3,952			2,936
Other, net	(1,269		)	2,273			2,510
Net cash used for operating activities	(67,327		)	(40,818		)	(42,727		)
Cash flows from investing activities:
Net decrease (increase) in investment securities from purchases, sales and maturities	70,479			11,833			(22,821		)
Net decrease (increase) in loans	4,078			2,034			(4,211		)
(Increase) decrease in investment in bank subsidiary	(21,469		)	12,180			(12,592		)
Decrease (increase) in investment in nonbank subsidiaries	9,925			13,012			(3,161		)
Net cash provided by (used for) investing activities	63,013			39,059			(42,785		)
Cash flows from financing activities:
Principal payments of other long-term debt	—			(1,222		)	(4,179		)
Payments for settlement of 3.875% Convertible Notes	—			—			(250,000		)
Tax benefit from stock exercises	6,826			5,581			6,342
Proceeds from issuance of common stock and ESPP	46,569			29,282			36,873
Net cash provided by (used for) financing activities	53,395			33,641			(210,964		)
Net increase (decrease) in cash and cash equivalents	49,081			31,882			(296,476		)
Cash and cash equivalents at beginning of year	169,067			137,185			433,661
Cash and cash equivalents at end of year	$	218,148		$	169,067		$	137,185

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Income Taxes

12 Months Ended

Dec. 31, 2013

Income Tax Disclosure [Abstract]

Income Taxes

Income Taxes

We are subject to income tax in the U.S. federal jurisdiction and various state and foreign jurisdictions and have identified our federal tax return and tax returns in California and Massachusetts as “major” tax filings. U.S. federal tax examinations through 2009 have been concluded. Our U.S. federal tax returns for 2010 and subsequent years remain open to examination. Our California tax returns for 2008 and subsequent tax years remain open to examination. Massachusetts tax returns for 2008, 2010 and subsequent years remain open to examination.

During the third quarter of 2013 we recorded a one-time prior period tax expense adjustment of $2.9 million. Prior period amounts have not been revised as the income tax amounts were not considered material, individually, or in the aggregate, to any of the prior reporting periods affected.

Current taxes receivable were $16 million at December 31, 2013, compared to current taxes payable of $9 million at December 31, 2012.

The components of our provision for income taxes for 2013, 2012 and 2011 were as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012			2011
Current provision:
Federal	$	99,480	$	87,635		$	86,220
State	25,498		23,752			25,505
Deferred expense (benefit):
Federal	11,244		2,385			5,756
State	2,836		(503		)	1,606
Income tax expense	$	139,058	$	113,269		$	119,087

Our effective tax rate is calculated by dividing income tax expense by the sum of income before income tax expense and the net income attributable to noncontrolling interests. The reconciliation between the federal statutory income tax rate and our effective income tax rate for 2013, 2012 and 2011, is as follows:

	December 31,
(Dollars in thousands)	2013		2012		2011
Federal statutory income tax rate	35.0	%	35.0	%	35.0	%
State income taxes, net of the federal tax effect	5.1		5.8		6.0
Meals and entertainment	0.5		0.5		0.5
Disallowed officer's compensation	0.1		0.1		0.1
Share-based compensation expense on incentive stock options and ESPP	(0.3	)	0.4		0.3
Tax-exempt interest income	(0.3	)	(0.4	)	(0.4	)
Low-income housing tax credits	(1.6	)	(1.2	)	(1.1	)
Other, net	0.7		(0.9	)	0.5
Effective income tax rate	39.2	%	39.3	%	40.9	%

Deferred tax assets and liabilities at December 31, 2013 and 2012, consisted of the following:

	December 31,
(Dollars in thousands)	2013			2012
Deferred tax assets:
Allowance for loan losses	$	69,616		$	53,953
Net unrealized losses on available-for-sale securities	27,686			—
Share-based compensation expense	14,535			11,478
Net operating loss	9,682			8,175
Loan fee income	7,804			10,356
State income taxes	6,194			7,042
Net unrealized losses on foreign currency translation	5,228			—
Other accruals not currently deductible	4,869			2,205
Premises and equipment and other intangibles	734			—
Research and development credit	324			364
Other	36			16
Deferred tax assets	146,708			93,589
Valuation allowance	(10,006		)	(8,539		)
Net deferred tax assets after valuation allowance	136,702			85,050
Deferred tax liabilities:
Non-marketable and other securities	(55,921		)	(23,363		)
Derivative equity warrant assets	(10,344		)	(5,566		)
FHLB stock dividend	(1,236		)	(1,252		)
Net unrealized gains on available-for-sale securities	—			(74,983		)
Premises and equipment and other intangibles	—			(5,466		)
Other	(964		)	—
Deferred tax liabilities	(68,465		)	(110,630		)
Net deferred tax assets (liabilities)	$	68,237		$	(25,580	)

At both December 31, 2013 and 2012, federal net operating loss carryforwards totaled $16 million, and state net operating loss carryforwards totaled $8 million. Our foreign net operating loss carryforwards totaled $19 million and $11 million at December 31, 2013 and 2012, respectively. These net operating loss carryforwards expire at various dates beginning in 2019. A portion of our net operating loss carryforwards will be subject to provisions of the tax law that limits the use of losses that existed at the time there is a change in control of an enterprise. At December 31, 2013, the amount of our federal and state net operating loss carryforwards that would be subject to these limitations was $7 million and $2 million, respectively.

Currently, we believe that it is more likely than not that the benefit from these net operating loss carryforwards, which are associated with our former eProsper business unit, part of SVB Analytics, and our UK operations, will not be realized in the near term due to uncertainties in the timing of future profitability in those businesses. In recognition of this, we have provided a valuation allowance of $10 million and $9 million on the deferred tax assets related to these net operating loss carryforward and research and development credits at December 31, 2013 and 2012, respectively. We believe it is more likely than not that the remaining deferred tax assets will be realized through recovery of taxes previously paid and/or future taxable income. Therefore, no valuation allowance was provided for the remaining deferred tax assets.

At December 31, 2013, our unrecognized tax benefit was $0.3 million, the recognition of which would reduce our income tax expense by $0.3 million. We do not expect that our unrecognized tax benefit will materially change in the next 12 months.

A summary of changes in our unrecognized tax benefit (including interest and penalties) in 2013 is as follows:

(Dollars in thousands)	Reconciliation of Unrecognized Tax Benefit			Interest & Penalties			Total
Balance at December 31, 2012	$	284		$	160		$	444
Additions for tax positions for prior years	123			47			170
Reduction for tax positions for prior years	(10		)	(40		)	(50		)
Lapse of the applicable statute of limitations	(145		)	(76		)	(221		)
Balance at December 31, 2013	$	252		$	91		$	343

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Income Taxes Deferred Tax (Liabilities) Assets (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Deferred tax assets:
Allowance for loan losses	$ 69,616	$ 53,953
Net unrealized losses on available-for-sale securities	27,686	0
Share-based compensation expense	14,535	11,478
Net operating loss	9,682	8,175
Loan fee income	7,804	10,356
State income taxes	6,194	7,042
Net unrealized losses on foreign currency translation	5,228	0
Other accruals not currently deductible	4,869	2,205
Premises and equipment and other intangibles	734	0
Research and development credit	324	364
Other	36	16
Deferred tax assets	146,708	93,589
Valuation allowance	(10,006)	(8,539)
Net deferred tax assets after valuation allowance	136,702	85,050
Deferred tax liabilities:
Nonmarketable securities	(55,921)	(23,363)
Derivative equity warrant assets	(10,344)	(5,566)
FHLB stock dividend	(1,236)	(1,252)
Net unrealized gains on available-for-sale securities	0	(74,983)
Premises and equipment and other intangibles	0	(5,466)
Other	(964)	0
Deferred tax liabilities	(68,465)	(110,630)
Net deferred tax (liabilities) assets	$ 68,237	$ (25,580)

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Regulatory Matters

12 Months Ended

Dec. 31, 2013

Regulatory Matters

Regulatory Matters

The Company and the Bank are subject to various regulatory capital adequacy requirements administered by the Federal Reserve Board and the California Department of Financial Institutions (“DFI”). The Federal Deposit Insurance Corporation Improvement Act of 1991 (“FDICIA”) required that the federal regulatory agencies adopt regulations defining five capital categories for banks: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on our consolidated financial statements.

Quantitative measures, established by the regulators to ensure capital adequacy, require that SVB Financial Group and the Bank maintain minimum ratios (set forth in the table below) of capital to risk-weighted assets. There are three categories of capital under the guidelines. Tier 1 capital includes common stockholders' equity (excluding any net unrealized gains or losses, after applicable taxes, on available-for-sale securities), qualifying preferred stock and trust preferred securities, less goodwill and certain other deductions (including the net unrealized losses, after applicable taxes, on available-for-sale equity securities carried at fair value). At least 50 percent of the qualifying total capital should consist of Tier 1 capital. Components of Tier 2 capital include preferred stock not qualifying as Tier 1 capital, qualifying subordinated debt, the allowance for credit losses, up to a maximum of 1.25 percent of risk-weighted assets and unrealized gains on available-for-sale equity securities, subject to limitations set by the guidelines. Tier 3 capital includes certain qualifying unsecured subordinated debt. We did not have any Tier 3 capital as of December 31, 2013 and 2012.

As of December 31, 2013, both SVB Financial and the Bank were considered “well-capitalized” for regulatory purposes under existing capital guidelines.  There are no conditions or events since that date that management believes would have a material impact on that capital category.

The following table presents the capital ratios for the Company and the Bank under federal regulatory guidelines, compared to the minimum regulatory capital requirements for an adequately capitalized and a well capitalized depository institution, as of December 31, 2013 and 2012:

	Capital Ratios						Capital Amounts
(Dollars in thousands)	Actual		Well Capitalized Minimum		Adequately Capitalized Minimum		Actual		Well Capitalized Minimum		Adequately Capitalized Minimum
December 31, 2013:
Total risk-based capital:
SVB Financial	13.13	%	10.0	%	8.0	%	$	2,218,996	$	1,690,150	$	1,352,120
Bank	11.32		10.0		8.0		1,880,254		1,661,287		1,329,030
Tier 1 risk-based capital:
SVB Financial	11.94		6.0		4.0		2,018,455		1,014,090		676,060
Bank	10.11		6.0		4.0		1,680,212		996,772		664,515
Tier 1 leverage:
SVB Financial	8.31		N/A		4.0		2,018,455		N/A		972,130
Bank	7.04		5.0		4.0		1,680,212		1,194,012		955,210
December 31, 2012:
Total risk-based capital:
SVB Financial	14.05	%	10.0	%	8.0	%	$	1,901,672	$	1,353,298	$	1,082,639
Bank	12.53		10.0		8.0		1,650,732		1,317,789		1,054,231
Tier 1 risk-based capital:
SVB Financial	12.79		6.0		4.0		1,730,866		811,979		541,319
Bank	11.24		6.0		4.0		1,481,571		790,673		527,115
Tier 1 leverage:
SVB Financial	8.06		N/A		4.0		1,730,866		N/A		859,057
Bank	7.06		5.0		4.0		1,481,571		1,049,750		839,800

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Loans and Allowance for Loan Losses Recorded Investment in Loans Modified in TDRs within Previous 12 months Subsequently Defaulted (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Financing Receivable, Modifications [Line Items]
TDRs modified within the previous 12 months that defaulted in the period	$ 2,036	$ 1,988	$ 6,967
Hardware
Financing Receivable, Modifications [Line Items]
TDRs modified within the previous 12 months that defaulted in the period	1,627	1,868	1,885
Venture capital/private equity
Financing Receivable, Modifications [Line Items]
TDRs modified within the previous 12 months that defaulted in the period	38	0	0
Premium wine
Financing Receivable, Modifications [Line Items]
TDRs modified within the previous 12 months that defaulted in the period	0	0	1,949
Commercial, Other
Financing Receivable, Modifications [Line Items]
TDRs modified within the previous 12 months that defaulted in the period	365	0	0
Commercial loans
Financing Receivable, Modifications [Line Items]
TDRs modified within the previous 12 months that defaulted in the period	2,030	1,868	3,834
Real estate secured loans
Financing Receivable, Modifications [Line Items]
TDRs modified within the previous 12 months that defaulted in the period	0	120	0
Other Loans
Financing Receivable, Modifications [Line Items]
TDRs modified within the previous 12 months that defaulted in the period	6	0	3,133
Consumer loans
Financing Receivable, Modifications [Line Items]
TDRs modified within the previous 12 months that defaulted in the period	$ 6	$ 120	$ 3,133

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Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2013

Capital Ratios for Company and Bank under Federal Regulatory Guidelines, Compared to Minimum Regulatory Capital Requirements for Adequately Capitalized and Well Capitalized Depository Institution

The following table presents the capital ratios for the Company and the Bank under federal regulatory guidelines, compared to the minimum regulatory capital requirements for an adequately capitalized and a well capitalized depository institution, as of December 31, 2013 and 2012:

	Capital Ratios						Capital Amounts
(Dollars in thousands)	Actual		Well Capitalized Minimum		Adequately Capitalized Minimum		Actual		Well Capitalized Minimum		Adequately Capitalized Minimum
December 31, 2013:
Total risk-based capital:
SVB Financial	13.13	%	10.0	%	8.0	%	$	2,218,996	$	1,690,150	$	1,352,120
Bank	11.32		10.0		8.0		1,880,254		1,661,287		1,329,030
Tier 1 risk-based capital:
SVB Financial	11.94		6.0		4.0		2,018,455		1,014,090		676,060
Bank	10.11		6.0		4.0		1,680,212		996,772		664,515
Tier 1 leverage:
SVB Financial	8.31		N/A		4.0		2,018,455		N/A		972,130
Bank	7.04		5.0		4.0		1,680,212		1,194,012		955,210
December 31, 2012:
Total risk-based capital:
SVB Financial	14.05	%	10.0	%	8.0	%	$	1,901,672	$	1,353,298	$	1,082,639
Bank	12.53		10.0		8.0		1,650,732		1,317,789		1,054,231
Tier 1 risk-based capital:
SVB Financial	12.79		6.0		4.0		1,730,866		811,979		541,319
Bank	11.24		6.0		4.0		1,481,571		790,673		527,115
Tier 1 leverage:
SVB Financial	8.06		N/A		4.0		1,730,866		N/A		859,057
Bank	7.06		5.0		4.0		1,481,571		1,049,750		839,800

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Derivative Financial Instruments Total Notional or Contractual Amounts, Fair Value, Collateral and Net Exposure of Derivative Financial Instruments (Detail) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Derivative [Line Items]
Net Exposure Derivative Instruments	$ 108,021	[1]	$ 78,719	[1]
Fair value	113,101		84,829
Collateral	5,080	[2]	6,110	[2]
Derivatives designated as hedging instruments | Interest rate risks | Interest rate swaps | Other assets
Derivative [Line Items]
Notional or Contractual Amount	45,964		45,964
Fair value	6,492		9,005
Collateral	5,080	[2]	6,110	[2]
Net Exposure	1,412	[1]	2,895	[1]
Derivatives not designated as hedging instruments | Currency exchange risks
Derivative [Line Items]
Fair value	789		(1,240)
Net Exposure Derivative Instruments	789	[1]	(1,240)	[1]
Collateral	0	[2]	0	[2]
Derivatives not designated as hedging instruments | Currency exchange risks | Foreign exchange forwards | Other assets
Derivative [Line Items]
Notional or Contractual Amount	140,760		51,010
Fair value	1,423		488
Collateral	0	[2]	0	[2]
Net Exposure	1,423	[1]	488	[1]
Derivatives not designated as hedging instruments | Currency exchange risks | Foreign exchange forwards | Other liability
Derivative [Line Items]
Notional or Contractual Amount	62,649		102,956
Fair value	(634)		(1,728)
Net Exposure Derivative Instruments Liablities	(634)	[1]	(1,728)	[1]
Collateral	0	[2]	0	[2]
Derivatives not designated as hedging instruments | Other derivative instruments | Equity Warrant Asset, Public Portfolio | Other assets
Derivative [Line Items]
Notional or Contractual Amount	179,934		164,332
Fair value	103,513		74,272
Collateral	0	[2]	0	[2]
Net Exposure	103,513	[1]	74,272	[1]
Derivatives not designated as hedging instruments | Other derivative instruments | Other derivatives
Derivative [Line Items]
Fair value	2,307		2,792
Net Exposure Derivative Instruments	2,307	[1]	2,792	[1]
Collateral	0	[2]	0	[2]
Derivatives not designated as hedging instruments | Other derivative instruments | Other derivatives | Foreign exchange forwards | Other assets
Derivative [Line Items]
Notional or Contractual Amount	424,983		385,470
Fair value	13,673		11,864
Collateral	0	[2]	0	[2]
Net Exposure	13,673	[1]	11,864	[1]
Derivatives not designated as hedging instruments | Other derivative instruments | Other derivatives | Foreign exchange forwards | Other liability
Derivative [Line Items]
Notional or Contractual Amount	367,079		356,026
Fair value	(11,549)		(9,930)
Net Exposure Derivative Instruments Liablities	(11,549)	[1]	(9,930)	[1]
Collateral	0	[2]	0	[2]
Derivatives not designated as hedging instruments | Other derivative instruments | Other derivatives | Foreign currency options | Other assets
Derivative [Line Items]
Notional or Contractual Amount	91,854		132,237
Fair value	434		1,189
Collateral	0	[2]	0	[2]
Net Exposure	434	[1]	1,189	[1]
Derivatives not designated as hedging instruments | Other derivative instruments | Other derivatives | Foreign currency options | Other liability
Derivative [Line Items]
Notional or Contractual Amount	91,854		132,237
Fair value	(434)		(1,189)
Net Exposure Derivative Instruments Liablities	(434)	[1]	(1,189)	[1]
Collateral	0	[2]	0	[2]
Derivatives not designated as hedging instruments | Other derivative instruments | Other derivatives | Loan conversion options | Other assets
Derivative [Line Items]
Notional or Contractual Amount	3,455		9,782
Fair value	314		890
Collateral	0	[2]	0	[2]
Net Exposure	314	[1]	890	[1]
Derivatives not designated as hedging instruments | Other derivative instruments | Other derivatives | Client interest rate derivatives | Other assets
Derivative [Line Items]
Notional or Contractual Amount	216,773		144,950
Fair value	1,265		558
Collateral	0	[2]	0	[2]
Net Exposure	1,265	[1]	558	[1]
Derivatives not designated as hedging instruments | Other derivative instruments | Other derivatives | Client interest rate derivatives | Other liability
Derivative [Line Items]
Notional or Contractual Amount	216,773		144,950
Fair value	(1,396)		(590)
Net Exposure Derivative Instruments Liablities	(1,396)	[1]	(590)	[1]
Collateral	$ 0	[2]	$ 0	[2]

[1] Net exposure for contracts in a gain position reflects the replacement cost in the event of nonperformance by all such counterparties. The credit ratings of our institutional counterparties as of December 31, 2013 remain at investment grade or higher and there were no material changes in their credit ratings for the year ended December 31, 2013

[2] Cash collateral received from our counterparty for our interest rate swap agreement is recorded as a component of “short-term borrowings” on our consolidated balance sheets.

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Deposits (Tables)

12 Months Ended

Dec. 31, 2013

Deposits [Abstract]

Composition of Deposits

The following table presents the composition of our deposits at December 31, 2013 and 2012:

	December 31,
(Dollars in thousands)	2013		2012
Noninterest-bearing demand	$	15,894,360	$	13,875,275
Negotiable order of withdrawal (NOW)	151,746		133,260
Money market	4,373,974		2,969,769
Money market deposits in foreign offices	181,299		110,915
Sweep deposits in foreign offices	1,657,740		1,932,045
Time	213,860		155,188
Total deposits	$	22,472,979	$	19,176,452

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Derivative Financial Instruments Summary of Derivative Activity and Related Impact on Consolidated Statements of Income (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011
Derivatives designated as hedging instruments | Interest rate risks | Interest rate swaps | Interest expense-borrowings
Derivative Instruments, Gain (Loss) [Line Items]
Unrealized gain (loss) on derivatives	$ 2,536		$ 5,154		$ 14,486
Derivatives designated as hedging instruments | Interest rate risks | Interest rate swaps | Net gains on derivative instruments
Derivative Instruments, Gain (Loss) [Line Items]
Unrealized gain (loss) on derivatives	14		603		(470)
Derivatives designated as hedging instruments | Interest rate risks | Interest Rate Risk
Derivative Instruments, Gain (Loss) [Line Items]
Unrealized gain (loss) on derivatives	2,550		5,757		14,016
Derivatives not designated as hedging instruments | Currency exchange risks
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(1,197)		1,574		(123)
Derivatives not designated as hedging instruments | Currency exchange risks | Loans | Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	3,016		1,677		(2,096)
Derivatives not designated as hedging instruments | Currency exchange risks | Foreign exchange forwards | Net gains on derivative instruments
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(4,213)		(103)		1,973
Derivatives not designated as hedging instruments | Other derivative instruments | Foreign exchange forwards | Net gains on derivative instruments
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(452)		460		376
Derivatives not designated as hedging instruments | Other derivative instruments | Equity Warrant Asset, Public Portfolio | Net gains on derivative instruments
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	46,101		19,385		37,439
Derivatives not designated as hedging instruments | Other derivative instruments | Other derivatives | Net gains on derivative instruments
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ 734	[1]	$ (1,666)	[1]	$ (2,520)	[1]

[1] Primarily represents the change in fair value of loan conversion options.

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Consolidated Statements of Comprehensive Income (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Statement of Comprehensive Income [Abstract]
Net income before noncontrolling interests	$ 546,119	$ 249,813	$ 282,793
Change in cumulative translation losses:
Foreign currency translation losses	(5,483)	(766)	(7,500)
Related tax benefit	2,179	308	3,067
Change in unrealized (losses) gains on available-for-sale securities:
Unrealized holding (losses) gains	(259,193)	44,113	148,257
Related tax benefit (expense)	105,500	(17,921)	(60,630)
Reclassification adjustment for gains included in net income	(538)	(4,241)	(37,127)
Related tax expense	218	1,661	15,189
Other comprehensive (loss) income, net of tax	(157,317)	23,154	61,256
Comprehensive income	388,802	272,967	344,049
Comprehensive income attributable to noncontrolling interests	(330,266)	(74,710)	(110,891)
Comprehensive income attributable to SVBFG	$ 58,536	$ 198,257	$ 233,158

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Loans and Allowance for Loan Losses Impaired Loans and Allowance for Loan Losses, Broken out by Portfolio Segment and Class of Financing Receivable (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable Unpaid Principal Balance Previously Reported		$ 55,400,000
Carrying value of impaired loans	51,649,000	38,279,000
Total unpaid principal of impaired loans	73,271,000	66,242,000
Software
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	27,618,000	3,263,000
Total unpaid principal of impaired loans	28,316,000	4,475,000
Hardware
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	19,667,000	21,863,000
Total unpaid principal of impaired loans	35,317,000	38,551,000	[1]
Venture capital/private equity
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	40,000
Total unpaid principal of impaired loans	40,000
Life science
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	1,278,000	0
Total unpaid principal of impaired loans	4,727,000	0
Premium wine
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	1,442,000	4,398,000
Total unpaid principal of impaired loans	1,778,000	4,716,000
Commercial, Other
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	690,000	5,415,000
Total unpaid principal of impaired loans	718,000	9,859,000
Commercial loans
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	50,735,000	34,939,000
Total unpaid principal of impaired loans	70,896,000	57,601,000
Real estate secured loans
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	244,000	2,239,000
Total unpaid principal of impaired loans	1,434,000	7,341,000	[1]
Consumer, Other
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	670,000	1,101,000
Total unpaid principal of impaired loans	941,000	1,300,000
Consumer loans
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	914,000	3,340,000
Total unpaid principal of impaired loans	2,375,000	8,641,000
Impaired loans for which there is no related allowance for loan losses
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	3,612,000	12,124,000
Impaired loans for which there is no related allowance for loan losses | Software
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	310,000	72,000
Impaired loans for which there is no related allowance for loan losses | Hardware
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	338,000	0
Impaired loans for which there is no related allowance for loan losses | Venture capital/private equity
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	0
Impaired loans for which there is no related allowance for loan losses | Life science
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	1,278,000	0
Impaired loans for which there is no related allowance for loan losses | Premium wine
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	1,442,000	4,398,000
Impaired loans for which there is no related allowance for loan losses | Commercial, Other
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	0	5,415,000
Impaired loans for which there is no related allowance for loan losses | Commercial loans
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	3,368,000	9,885,000
Impaired loans for which there is no related allowance for loan losses | Real estate secured loans
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	244,000	2,239,000
Impaired loans for which there is no related allowance for loan losses | Consumer, Other
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	0	0
Impaired loans for which there is no related allowance for loan losses | Consumer loans
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	244,000	2,239,000
Impaired loans for which there is a related allowance for loan losses
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	48,037,000	26,155,000
Impaired loans for which there is a related allowance for loan losses | Software
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	27,308,000	3,191,000
Impaired loans for which there is a related allowance for loan losses | Hardware
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	19,329,000	21,863,000
Impaired loans for which there is a related allowance for loan losses | Venture capital/private equity
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	40,000
Impaired loans for which there is a related allowance for loan losses | Life science
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	0	0
Impaired loans for which there is a related allowance for loan losses | Premium wine
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	0	0
Impaired loans for which there is a related allowance for loan losses | Commercial, Other
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	690,000	0
Impaired loans for which there is a related allowance for loan losses | Commercial loans
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	47,367,000	25,054,000
Impaired loans for which there is a related allowance for loan losses | Real estate secured loans
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	0	0
Impaired loans for which there is a related allowance for loan losses | Consumer, Other
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	670,000	1,101,000
Impaired loans for which there is a related allowance for loan losses | Consumer loans
Financing Receivable, Impaired [Line Items]
Carrying value of impaired loans	$ 670,000	$ 1,101,000

[1] The unpaid principal balances for hardware and real estate secured consumer loans as of December 31, 2012 have been corrected from previously reported amounts resulting in the total unpaid principal of impaired loans at December 31, 2012 changing from $55.4 million to $66.2 million.

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Stockholders' Equity and EPS

12 Months Ended

Dec. 31, 2013

Equity and Earnings Per Share [Abstract]

Stockholders' Equity and EPS

Stockholders’ Equity and EPS

Stockholders' Rights Plan

Our Board of Directors (the “Board”) had previously adopted a stockholders' rights plan (the "Rights Plan") to, among other things, protect our stockholders from coercive takeover tactics. The Rights Plan expired on January 31, 2014. It was not renewed or extended by our Board of Directors.

EPS

Basic EPS is the amount of earnings available to each share of common stock outstanding during the reporting period. Diluted EPS is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares issued for stock options and restricted stock units outstanding under our equity incentive plans and our ESPP. Potentially dilutive common shares are excluded from the computation of dilutive EPS in periods in which the effect would be antidilutive. The following is a reconciliation of basic EPS to diluted EPS for 2013, 2012 and 2011:

	Year ended December 31,
(Dollars and shares in thousands, except per share amounts)	2013		2012		2011
Numerator:
Net income available to common stockholders	$	215,853	$	175,103	$	171,902
Denominator:
Weighted average common shares outstanding-basic	45,309		44,242		43,004
Weighted average effect of dilutive securities:
Stock options and ESPP	431		370		517
Restricted stock units	204		152		116
Denominator for diluted calculation	45,944		44,764		43,637
Earnings per common share:
Basic	$	4.76	$	3.96	$	4.00
Diluted	$	4.70	$	3.91	$	3.94

The following table summarizes the weighted-average common shares excluded from the diluted EPS calculation as they were deemed to be antidilutive for 2013, 2012 and 2011:

	Year ended December 31,
(Shares in thousands)	2013	2012	2011
Stock options	261	695	944
Restricted stock units	105	—	149
Total	366	695	1,093

Concurrent with the issuance of our 3.875% convertible senior notes ("3.875% Convertible Notes"), we entered into a convertible note hedge and warrant agreement. The warrants expired ratably over 60 business days beginning on July 15, 2011. The common shares under these warrants were excluded from the diluted EPS calculation for all periods presented as they were deemed to be anti-dilutive based on the conversion price of $64.43 per common share.

Our $250 million 3.875% Convertible Notes matured on April 15, 2011. All of the notes were converted prior to maturity and we made an aggregate $260 million conversion settlement payment. We paid $250 million in cash (representing total principal) and $10 million through the issuance of 187,760 shares of our common stock (representing total conversion premium value). In addition, in connection with the conversion settlement, we received 186,736 shares of our common stock, valued at $10 million, from the associated convertible note hedge. Accordingly, there was not a significant impact on our total stockholders' equity with respect to settling the conversion premium value.

Accumulated Other Comprehensive Income

The following table summarizes the items reclassified out of accumulated other comprehensive (loss) income into the Consolidated Statements of Income for 2013, 2012, and 2011:

		Year ended December 31,
(Dollars in thousands)	Income Statement Location	2013			2012			2011
Reclassification adjustment for gains included in net income	Gains on investment securities, net	$	(538	)	$	(4,241	)	$	(37,127	)
Related tax expense	Income tax expense	218			1,661			15,189
Total reclassification adjustment for gains included in net income, net of tax		(320		)	(2,580		)	(21,938		)

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Stockholders' Equity and Earnings Per Share ("EPS") - Additional Information (Detail) (USD $)	12 Months Ended			0 Months Ended			12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Apr. 15, 2011 3.875% Convertible Notes	Jul. 15, 2011 3.875% Convertible Notes Hedge and warrant agreement	Apr. 15, 2011 3.875% Convertible Notes Hedge and warrant agreement	Dec. 31, 2012 3.875% Convertible Notes Hedge and warrant agreement
Stockholders Equity Note [Line Items]
Period of warrants ratable expiration beginning July 15, 2011					60 days
Price per share of the conversion feature for the hedge and warrant agreement associated with our convertible notes							$ 64.43
Principal value				$ 250,000,000
Debt instrument maturity date				Apr. 15, 2011
Aggregate conversion settlement payment				260,000,000
Payments for settlement of 3.875% Convertible Notes	0	0	250,000,000	250,000,000
Value of common stock shares issued				10,000,000
Common stock issued in public offering				187,760
Number of shares called				186,736
Value of stock called						$ 10,000,000

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Investment Securities Components of Gains and Losses (Realized and Unrealized) on Investment Securities (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013 company		Dec. 31, 2012		Dec. 31, 2011
Gain (Loss) on Investments [Line Items]
Gross gains on investment securities	$ 455,531,000		$ 203,321,000		$ 242,226,000
Gross losses on investment securities	(36,123,000)		(81,207,000)		(47,192,000)
Gains (losses) on investment securities, net	419,408,000		122,114,000		195,034,000
Unrealized valuation gains	219,000,000
Number of portfolio companies	2
Other than temporary impairment losses, investments	3,900,000		0
Cost method accounting | Venture capital and private equity fund investments
Gain (Loss) on Investments [Line Items]
Recognized other-than-temporary impairment (OTTI) losses	1,400,000		1,000,000		1,000,000
Number of impaired investments	43		46		41
Number of investments	288		324		329
Available-for-sale Securities
Gain (Loss) on Investments [Line Items]
Gross gains on investment securities	3,887,000	[1]	6,380,000	[1]	37,387,000	[1]
Gross losses on investment securities	(3,349,000)	[1]	(2,139,000)	[1]	(261,000)	[1]
Marketable Securities | Fair value accounting
Gain (Loss) on Investments [Line Items]
Gross gains on investment securities	0		8,863,000		912,000
Gross losses on investment securities	0		(1,675,000)		(8,103,000)
Non-marketable securities | Fair value accounting | Venture capital and private equity fund investments
Gain (Loss) on Investments [Line Items]
Gross gains on investment securities	186,404,000		107,507,000		145,892,000
Gross losses on investment securities	(17,185,000)		(63,146,000)		(26,591,000)
Non-marketable securities | Fair value accounting | Other venture capital investments
Gain (Loss) on Investments [Line Items]
Gross gains on investment securities	9,241,000	[2]	58,409,000		36,506,000
Gross losses on investment securities	(3,496,000)		(11,062,000)		(8,918,000)
Non-marketable securities | Fair value accounting | Other investments
Gain (Loss) on Investments [Line Items]
Gross gains on investment securities	0		21,000		40,000
Gross losses on investment securities	0		0		(16,000)
Non-marketable securities | Fair value accounting | Other Securities
Gain (Loss) on Investments [Line Items]
Gross gains on investment securities	227,252,000	[2]	0		0
Gross losses on investment securities	(2,962,000)		0		0
Non-marketable securities | Equity method accounting | Other investments
Gain (Loss) on Investments [Line Items]
Gross gains on investment securities	18,235,000		16,923,000		12,445,000
Gross losses on investment securities	(3,111,000)		(1,987,000)		(2,241,000)
Non-marketable securities | Cost method accounting | Venture capital and private equity fund investments
Gain (Loss) on Investments [Line Items]
Gross gains on investment securities	10,081,000		3,503,000		2,517,000
Gross losses on investment securities	(1,700,000)	[3]	(1,079,000)	[3]	(1,028,000)	[3]
Non-marketable securities | Cost method accounting | Other investments
Gain (Loss) on Investments [Line Items]
Gross gains on investment securities	431,000		1,715,000		6,527,000
Gross losses on investment securities	$ (4,320,000)	[4]	$ (119,000)	[4]	$ (34,000)	[4]

[1] 1)Includes realized gains (losses) on sales of available-for-sale securities that are recognized in the income statement. Unrealized gains (losses) on available-for-sale securities are recognized in other comprehensive income. The cost basis of available-for-sale securities sold is determined on a specific identification basis.

[2] Other securities (fair value accounting) and other venture capital investments includes unrealized valuation gains of $219 million for the year ended December 31, 2013 attributable to two of our portfolio companies, FireEye and Twitter. Both FireEye and Twitter are each subject to a lock-up agreement. The extent to which any unrealized gains will become realized is subject to a variety of factors, including, among other things, the expiration of current lock-up agreements to which these securities are subject, the actual sales of securities and the timing of such actual sales.

[3] Includes OTTI of $1.4 million from the declines in value for 43 of the 288 investments, $1.0 million from the declines in value for 46 of the 324 investments, and 1.0 million from the declines in value for 41 of the 329 investments held at December 31, 2013, 2012, and 2011, respectively. We concluded that any declines in value for the remaining investments were temporary, and as such, no OTTI was required to be recognized.

[4] Includes OTTI of $3.9 million impairment charge on a single direct equity investment. We concluded that any declines in value for the remaining investments were temporary, and as such, no OTTI was required to be recognized. There were no recognized OTTI amounts for the years ended December 31, 2012 and 2011.

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Derivative Financial Instruments Total Notional or Contractual Amounts, Fair Value, Collateral and Net Exposure of Derivative Financial Instruments (Parenthetical) (Detail)	12 Months Ended
	Dec. 31, 2013
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Credit rating of institutional counterparties	The credit ratings of our institutional counterparties as of December 31, 2013 remain at investment grade or higher and there were no material changes in their credit ratings for the year ended December 31, 2013

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Share-Based Compensation Information for Restricted Stock Units under Equity Incentive Plan (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013
Weighted Average Grant Date Fair Value
Nonvested, beginning of period	$ 59.42
Granted	$ 71.57
Vested	$ 57.44
Forfeited	$ 62.34
Nonvested, end of period	$ 65.93
Restricted stock units
Shares
Nonvested, beginning of period	585,543
Granted	328,905
Vested	(190,438)
Forfeited	(41,663)
Nonvested, end of period	682,347

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Segment Reporting

12 Months Ended

Dec. 31, 2013

Segment Reporting [Abstract]

Segment Reporting

Segment Reporting

We have three reportable segments for management reporting purposes: Global Commercial Bank, SVB Private Bank and SVB Capital. The results of our operating segments are based on our internal management reporting process.

Our operating segments’ primary source of revenue is from net interest income, which is primarily the difference between interest earned on loans, net of funds transfer pricing (“FTP”), and interest paid on deposits, net of FTP. Accordingly, our segments are reported using net interest income, net of FTP. FTP is an internal measurement framework designed to assess the financial impact of a financial institution’s sources and uses of funds. It is the mechanism by which an earnings credit is given for deposits raised, and an earnings charge is made for funded loans. FTP is calculated at an instrument level based on account characteristics.

We also evaluate performance based on provision for loan losses, noninterest income and noninterest expense, which are presented as components of segment operating profit or loss. In calculating each operating segment’s noninterest expense, we consider the direct costs incurred by the operating segment as well as certain allocated direct costs. As part of this review, we allocate certain corporate overhead costs to a corporate account. We do not allocate income taxes to our segments. Additionally, our management reporting model is predicated on average asset balances; therefore, period-end asset balances are not presented for segment reporting purposes. Changes in an individual client’s primary relationship designation have resulted, and in the future may result, in the inclusion of certain clients in different segments in different periods.

Unlike financial reporting, which benefits from the comprehensive structure provided by GAAP, our internal management reporting process is highly subjective, as there is no comprehensive, authoritative guidance for management reporting. Our management reporting process measures the performance of our operating segments based on our internal operating structure, which is subject to change from time to time, and is not necessarily comparable with similar information for other financial services companies.

The following is a description of the services that our three reportable segments provide (for further description of these reportable segments, refer to "Business–Business Overview" under Part I, Item 1 of this report):

• Global Commercial Bank provides solutions to the financial needs of commercial clients through lending, deposit products, cash management services, and global banking and trade products and services. It also serves the needs of our non-U.S. clients with global banking products, including loans, deposits and global finance, in key foreign entrepreneurial markets, where applicable. Our Global Commercial Bank segment is comprised of results from our Commercial Bank, and also includes SVB Specialty Lending, SVB Analytics and our Debt Fund Investments.

• SVB Private Bank provides banking products and a range of credit services primarily to venture capital/private equity professionals using both long-term secured and short-term unsecured lines of credit.

• SVB Capital is the venture capital investment arm of SVBFG, which focuses primarily on funds management. SVB Capital manages funds (primarily venture capital funds) on behalf of third party limited partners and SVB Financial Group. The SVB Capital family of funds is comprised of funds of funds and direct venture funds. SVB Capital generates income for the Company primarily through management fees, carried interest arrangements and returns through the Company’s investments in the funds.

The summary financial results of our operating segments are presented along with a reconciliation to our consolidated results. The Other Items column reflects the adjustments necessary to reconcile the results of the operating segments to the consolidated financial statements prepared in conformity with GAAP. Noninterest income in the Other Items column is primarily attributable to noncontrolling interests and gains on equity warrant assets. Noninterest expense in the Other Items column primarily consists of expenses associated with corporate support functions such as finance, human resources, marketing, legal and other expenses. Additionally, average assets in the Other Items column primarily consists of cash and cash equivalents.

Our segment information for 2013, 2012 and 2011 is as follows:

(Dollars in thousands)	Global Commercial Bank (1)			SVB Private   Bank			SVB Capital (1)			Other Items			Total
Year ended December 31, 2013
Net interest income	$	643,016		$	26,701		$	20		$	27,607		$	697,344
(Provision for) reduction of loan losses	(65,290		)	1,597			—			—			(63,693		)
Noninterest income	202,404			1,209			75,037			394,556			673,206
Noninterest expense (2)	(436,327		)	(15,916		)	(10,737		)	(158,700		)	(621,680		)
Income before income tax expense (3)	$	343,803		$	13,591		$	64,320		$	263,463		$	685,177
Total average loans, net of unearned income	$	8,472,045		$	919,831		$	—		$	(40,498	)	$	9,351,378
Total average assets (4)	21,388,037			959,214			289,328			574,168			23,210,747
Total average deposits	19,072,921			524,398			—			21,875			19,619,194
Year ended December 31, 2012
Net interest income	$	595,133		$	21,807		$	15		$	909		$	617,864
(Provision for) reduction of loan losses	(45,417		)	1,087			—			—			(44,330		)
Noninterest income	188,842			681			27,435			118,588			335,546
Noninterest expense (2)	(398,438		)	(13,651		)	(11,263		)	(122,646		)	(545,998		)
Income (loss) before income tax expense (3)	$	340,120		$	9,924		$	16,187		$	(3,149	)	$	363,082
Total average loans, net of unearned income	$	6,790,332		$	758,471		$	—		$	10,125		$	7,558,928
Total average assets (4)	19,522,306			763,186			239,335			786,345			21,311,172
Total average deposits	17,575,060			313,836			—			21,192			17,910,088
Year ended December 31, 2011
Net interest income (loss)	$	519,145		$	19,529		$	10		$	(12,407	)	$	526,277
Provision for loan losses	(13,494		)	7,393			—			—			(6,101		)
Noninterest income	150,116			516			27,358			204,342			382,332
Noninterest expense (2)	(352,458		)	(10,174		)	(13,079		)	(124,917		)	(500,628		)
Income before income tax expense (3)	$	303,309		$	17,264		$	14,289		$	67,018		$	401,880
Total average loans, net of unearned income	$	5,111,086		$	658,175		$	—		$	45,810		$	5,815,071
Total average assets (4)	17,103,883			658,797			226,423			681,396			18,670,499
Total average deposits	15,364,804			186,604			—			17,393			15,568,801

(1) Global Commercial Bank’s and SVB Capital’s components of net interest income, noninterest income, noninterest expense and total average assets are shown net of noncontrolling interest for all periods presented. Noncontrolling interest is included within "Other Items".

(2) The Global Commercial Bank segment includes direct depreciation and amortization of $21.3 million, $16.3 million and $12.0 million for 2013, 2012 and 2011, respectively.

(3) The internal reporting model used by management to assess segment performance does not calculate income tax expense by segment. Our effective tax rate is a reasonable approximation of the segment rates.

(4) Total average assets equals the greater of total average assets or the sum of total liabilities and total stockholders’ equity for each segment.

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Employee Compensation and Benefit Plans Expenses Incurred Under Certain Employee Compensation and Benefit Plans (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Employee Benefits Disclosure [Line Items]
Incentive Compensation Plans	$ 70,164	$ 48,344	$ 67,008
Direct Drive Incentive Compensation Plan	22,941	24,556	17,745
Retention Program	2,577	2,076	2,430
Warrant Incentive Plan	5,818	2,523	2,473
SVBFG 401(k) Plan	11,277	9,947	8,164
SVBFG Employee Stock Ownership Plan	$ 7,429	$ 10,324	$ 8,652

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Fair Value of Financial Instruments Unrealized Gains Included in Earnings Attributable to Level 3 Assets Held (Detail) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Unrealized Gains (Losses) [Line Items]
Unrealized gains included in earnings attributable to Level 3 assets still held	$ 427,721		$ 103,113
Unrealized gains (losses) attributable to noncontrolling interests	346,954		91,703
Equity Warrant Asset, Public Portfolio | Other assets
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Unrealized Gains (Losses) [Line Items]
Unrealized gains included in earnings attributable to Level 3 assets still held	30,579	[1]	21	[1]
Non-marketable securities | Fair value accounting
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Unrealized Gains (Losses) [Line Items]
Unrealized gains included in earnings attributable to Level 3 assets still held	397,142	[2]	103,092	[2]
Non-marketable securities | Fair value accounting | Venture capital and private equity fund investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Unrealized Gains (Losses) [Line Items]
Unrealized gains included in earnings attributable to Level 3 assets still held	168,567		46,859
Non-marketable securities | Fair value accounting | Other venture capital investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Unrealized Gains (Losses) [Line Items]
Unrealized gains included in earnings attributable to Level 3 assets still held	6,207	[3]	56,233	[3]
Non-marketable securities | Fair value accounting | Other investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Unrealized Gains (Losses) [Line Items]
Unrealized gains included in earnings attributable to Level 3 assets still held	$ 222,368	[3]	$ 0	[3]

[1] Unrealized gains are recorded on the line item “gains on derivative instruments, net”, a component of noninterest income.

[2] Unrealized gains are recorded on the line items “gains on investment securities, net”, and “other noninterest income”, components of noninterest income.

[3] Includes total unrealized valuation gains of $219 million attributable to two of our portfolio companies, FireEye and Twitter.

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Related Parties - Additional Information (Detail) (USD $) In Millions, unless otherwise specified	12 Months Ended			12 Months Ended			12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2012 Gold Hill 08 Funds [Member] [Member]	Dec. 31, 2012 Gold Hill 08 Funds [Member]	Dec. 31, 2013 Gold Hill 08 Funds [Member]	Dec. 31, 2013 Beneficial Owner Lower Limit	Dec. 31, 2013 Gold Hill Capital Twenty Zero Eight LLC [Member]
Related Party Transaction [Line Items]
Line of Credit Facility, Interest Rate at Period End				national Prime plus one percent
Line of Credit Facility, Maximum Borrowing Capacity			$ 65		$ 65
Line of credit facility amount syndicated to another lender					16
Company Direct and Indirect Ownership in Limited Partnership							83.80%
Revolving line of credit facility, outstanding amount	23	31
Percentage of equity securities						10.00%
Highest Loan Amount Oustanding To Related Party During Period	$ 38

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Cash and Cash Equivalents (Parenthetical) (Detail) (USD $) In Millions, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Cash and Cash Equivalents [Abstract]
Deposits at the Federal Reserve Bank earning interest at the Federal Funds target rate	$ 715	$ 72
Interest-earning deposits in other financial institutions	300	283
Fair value of securities purchased under agreements to resell	176	136
Fair value of securities received as collateral that have been resold or repledged	$ 0	$ 0

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Investment Securities (Tables)

12 Months Ended

Dec. 31, 2013

Investments, Debt and Equity Securities [Abstract]

Major Components of Investment Securities Portfolio

The major components of our investment securities portfolio at December 31, 2013 and December 31, 2012 are as follows:

	December 31, 2013									December 31, 2012
(Dollars in thousands)	Amortized Cost		Unrealized Gains		Unrealized Losses			Carrying Value		Amortized Cost		Unrealized Gains		Unrealized Losses			Carrying Value
Available-for-sale securities, at fair value:
U.S. treasury securities	$	—	$	—	$	—		$	—	$	25,057	$	190	$	—		$	25,247
U.S. agency debentures	4,344,652		41,365		(40,785		)	4,345,232		3,370,455		77,173		—			3,447,628
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	2,472,528		17,189		(16,141		)	2,473,576		1,428,682		44,858		(107		)	1,473,433
Agency-issued collateralized mortgage obligations—fixed rate	3,386,670		24,510		(85,422		)	3,325,758		4,063,020		41,949		(995		)	4,103,974
Agency-issued collateralized mortgage obligations—variable rate	1,183,333		3,363		(123		)	1,186,573		1,760,551		12,201		(4		)	1,772,748
Agency-issued commercial mortgage-backed securities	581,475		552		(17,423		)	564,604		416,487		6,100		(489		)	422,098
Municipal bonds and notes	82,024		4,024		(21		)	86,027		85,790		7,750		(11		)	93,529
Equity securities	4,842		692		(483		)	5,051		2,108		2,739		(327		)	4,520
Total available-for-sale securities	$	12,055,524	$	91,695	$	(160,398	)	$	11,986,821	$	11,152,150	$	192,960	$	(1,933	)	$	11,343,177
Non-marketable and other securities:
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments (1)								862,972									665,921
Other venture capital investments (2)								32,839									127,091
Other Securities (fair value accounting) (3)								321,374									—
Non-marketable securities (equity method accounting):
Other investments (4)								142,883									139,330
Low income housing tax credit funds								72,241									70,318
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments (5)								148,994									161,884
Other investments								14,191									19,721
Total non-marketable and other securities								1,595,494									1,184,265
Total investment securities								$	13,582,315								$	12,527,442

	December 31, 2013				December 31, 2012
(Dollars in thousands)	Amount		Ownership %		Amount		Ownership %
SVB Strategic Investors Fund, LP	$	29,104	12.6	%	$	32,850	12.6	%
SVB Strategic Investors Fund II, LP	96,185		8.6		91,294		8.6
SVB Strategic Investors Fund III, LP	260,272		5.9		209,696		5.9
SVB Strategic Investors Fund IV, LP	226,729		5.0		169,931		5.0
Strategic Investors Fund V Funds	118,181		Various		40,622		Various
Strategic Investors Fund VI Funds	7,944		0.2		—		—
SVB Capital Preferred Return Fund, LP	59,028		20.0		53,643		20.0
SVB Capital—NT Growth Partners, LP	61,126		33.0		60,120		33.0
SVB Capital Partners II, LP (i)	708		5.1		1,303		5.1
Other private equity fund (ii)	3,695		58.2		6,462		58.2
Total venture capital and private equity fund investments	$	862,972			$	665,921

(i) At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership interest of SVB Strategic Investors Fund II, LP.

(ii) At December 31, 2013, we had a direct ownership interest of 41.5 percent and indirect ownership interests of 12.6 percent and 4.1 percent in the fund through our ownership interest of SVB Capital—NT Growth Partners, LP and SVB Capital Preferred Return Fund, LP, respectively.

(2) The following table shows the amounts of other venture capital investments held by the following consolidated funds and our ownership percentage of each fund at December 31, 2013 and December 31, 2012 (fair value accounting):

	December 31, 2013				December 31, 2012
(Dollars in thousands)	Amount		Ownership %		Amount		Ownership %
Silicon Valley BancVentures, LP	$	6,564	10.7	%	$	43,493	10.7	%
SVB Capital Partners II, LP (i)	22,684		5.1		79,761		5.1
SVB Capital Shanghai Yangpu Venture Capital Fund	3,591		6.8		3,837		6.8
Total other venture capital investments	$	32,839			$	127,091

(i) At December 31, 2013, we had a direct ownership interest of 1.3 percent and an indirect ownership interest of 3.8 percent in the fund through our ownership of SVB Strategic Investors Fund II, LP.

(3) Investments classified as other securities (fair value accounting) represent direct equity investments in public companies held by our consolidated funds. This amount primarily includes total unrealized gains of $294 million in two of our public portfolio companies, FireEye and Twitter, both of which are currently subject to lock-up agreements. The extent to which any unrealized gains will become realized is subject to a variety of factors, including, among other things, the expiration of certain sales restrictions to which these securities are subject, the actual sales of securities and the timing of such actual sales.

(4) The following table shows the carrying value and our ownership percentage of each investment at December 31, 2013 and December 31, 2012 (equity method accounting):

	December 31, 2013				December 31, 2012
(Dollars in thousands)	Amount		Ownership %		Amount		Ownership %
Gold Hill Venture Lending 03, LP (i)	$	7,900	9.3	%	$	9,413	9.3	%
Gold Hill Capital 2008, LP (ii)	21,867		15.5		20,893		15.5
China Joint Venture investment	79,940		50.0		78,545		50.0
Other investments	33,176		Various		30,479		Various
Total other investments (equity method accounting)	$	142,883			$	139,330

(i) At December 31, 2013, we had a direct ownership interest of 4.8 percent in the fund and an indirect interest in the fund through our investment in Gold Hill Venture Lending Partners 03, LLC (“GHLLC”) of 4.5 percent.

(ii) At December 31, 2013, we had a direct ownership interest of 11.5 percent in the fund and an indirect interest in the fund through our investment in Gold Hill Capital 2008, LLC of 4.0 percent.

(5) Represents investments in 288 and 324 funds (primarily venture capital funds) at December 31, 2013 and December 31, 2012, respectively, where our ownership interest is less than 5% of the voting interests of each such fund and in which we do not have the ability to exercise significant influence over the partnerships operating activities and financial policies. The carrying value, and estimated fair value, of these venture capital and private equity fund investments (cost method accounting) was $149 million, and $215 million

Summary of Unrealized Losses on Available for Sale Securities

The following table summarizes our unrealized losses on our available-for-sale securities portfolio into categories of less than 12 months, or 12 months or longer as of December 31, 2013:

	December 31, 2013
	Less than 12 months					12 months or longer					Total
(Dollars in thousands)	Fair Value of Investments		Unrealized Losses			Fair Value of Investments		Unrealized Losses			Fair Value of Investments		Unrealized Losses
U.S. agency debentures	$	1,821,045	$	(40,785	)	$	—	$	—		$	1,821,045	$	(40,785	)
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	1,480,870		(14,029		)	19,830		(2,112		)	1,500,700		(16,141		)
Agency-issued collateralized mortgage obligations—fixed rate	2,098,137		(79,519		)	134,420		(5,903		)	2,232,557		(85,422		)
Agency-issued collateralized mortgage obligations—variable rate	109,699		(123		)	—		—			109,699		(123		)
Agency-issued commercial mortgage-backed securities	464,171		(17,423		)	—		—			464,171		(17,423		)
Municipal bonds and notes	3,404		(21		)	—		—			3,404		(21		)
Equity securities	909,510		(483		)	—		—			909,510		(483		)
Total temporarily impaired securities (1)	$	6,886,836	$	(152,383	)	$	154,250	$	(8,015	)	$	7,041,086	$	(160,398	)

(1) As of December 31, 2013, we identified a total of 220 investments that were in unrealized loss positions, of which eight investments totaling $154 million with unrealized losses of $8 million have been in an impaired position for a period of time greater than 12 months. As of December 31, 2013, we do not intend to sell any impaired debt or equity securities prior to recovery of our adjusted cost basis, and it is more likely than not that we will not be required to sell any of our securities prior to recovery of our adjusted cost basis. Based on our analysis as of December 31, 2013, we deem all impairments to be temporary, and therefore changes in value for our temporarily impaired securities as of the same date are included in other comprehensive income. Market valuations and impairment analyses on assets in the available-for-sale securities portfolio are reviewed and monitored on a quarterly basis.

The following table summarizes our unrealized losses on our available-for-sale securities portfolio into categories of less than 12 months, or 12 months or longer as of December 31, 2012:

	December 31, 2012
	Less than 12 months					12 months or longer					Total
(Dollars in thousands)	Fair Value of Investments		Unrealized Losses			Fair Value of Investments		Unrealized Losses			Fair Value of Investments		Unrealized Losses
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	$	22,831	$	(107	)	$	—	$	—		$	22,831	$	(107	)
Agency-issued collateralized mortgage obligations—fixed rate	461,397		(995		)	—		—			461,397		(995		)
Agency-issued collateralized mortgage obligations—variable rate	—		—			7,908		(4		)	7,908		(4		)
Agency-issued commercial mortgage-backed securities	150,581		(489		)	—		—			150,581		(489		)
Municipal bonds and notes	2,098		(11		)	—		—			2,098		(11		)
Equity securities	97		(61		)	255		(266		)	352		(327		)
Total temporarily impaired securities	$	637,004	$	(1,663	)	$	8,163	$	(270	)	$	645,167	$	(1,933	)

Summary of Remaining Contractual Principal Maturities and Fully Taxable Equivalent Yields on Debt Securities Classified as Available for Sale

The following table summarizes the remaining contractual principal maturities and fully taxable equivalent yields on debt securities classified as available-for-sale as of December 31, 2013. Interest income on certain municipal bonds and notes (non-taxable investments) are presented on a fully taxable equivalent basis using the federal statutory tax rate of 35.0 percent. The weighted average yield is computed using the amortized cost of debt securities, which are reported at fair value. For U.S. treasury securities, the expected maturity is the actual contractual maturity of the notes. Expected remaining maturities for certain U.S. agency debentures may occur earlier than their contractual maturities because the note issuers have the right to call outstanding amounts ahead of their contractual maturity. Expected maturities for mortgage-backed securities may differ significantly from their contractual maturities because mortgage borrowers have the right to prepay outstanding loan obligations with or without penalties. Mortgage-backed securities classified as available-for-sale typically have original contractual maturities from 10 to 30 years whereas expected average lives of these securities tend to be significantly shorter and vary based upon structure and prepayments in lower rate environments.

	December 31, 2013
	Total				One Year or Less				After One Year to Five Years				After Five Years to Ten Years				After Ten Years
(Dollars in thousands)	Carrying Value		Weighted- Average Yield		Carrying Value		Weighted- Average Yield		Carrying Value		Weighted- Average Yield		Carrying Value		Weighted- Average Yield		Carrying Value		Weighted- Average Yield
U.S. agency debentures	$	4,345,232	2.03	%	$	197,305	1.26	%	$	2,926,457	1.50	%	$	1,221,470	2.00	%	$	—	—	%
Residential mortgage-backed securities:
Agency-issued mortgage-backed securities	2,473,576		2.44		—		—		876		7.50		953,783		2.24		1,518,917		2.56
Agency-issued collateralized mortgage obligations - fixed rate	3,325,758		1.90		—		—		—		—		41,945		2.81		3,283,813		1.90
Agency-issued collateralized mortgage obligations - variable rate	1,186,573		0.70		—		—		—		—		—		—		1,186,573		0.70
Agency-issued commercial mortgage-backed securities	564,604		2.18		—		—		—		—		—		—		564,604		2.18
Municipal bonds and notes	86,027		5.98		1,322		5.44		25,539		5.71		43,523		6.05		15,643		6.26
Total	$	11,981,770	1.98		$	198,627	1.29		$	2,952,872	1.54		$	2,260,721	2.20		$	6,569,550	1.87

Components of Gains and Losses (Realized and Unrealized) on Investment Securities

The following table presents the components of gains and losses (realized and unrealized) on investment securities in 2013, 2012 and 2011:

	Year ended December 31,
(Dollars in thousands)	2013			2012			2011
Gross gains on investment securities:
Available-for-sale securities, at fair value (1)	$	3,887		$	6,380		$	37,387
Marketable securities (fair value accounting)	—			8,863			912
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments	186,404			107,507			145,892
Other venture capital investments (2)	9,241			58,409			36,506
Other investments	—			21			40
Other securities (fair value accounting) (2)	227,252			—			—
Non-marketable securities (equity method accounting):
Other investments	18,235			16,923			12,445
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments	10,081			3,503			2,517
Other investments	431			1,715			6,527
Total gross gains on investment securities	455,531			203,321			242,226
Gross losses on investment securities:
Available-for-sale securities, at fair value (1)	(3,349		)	(2,139		)	(261		)
Marketable securities (fair value accounting)	—			(1,675		)	(8,103		)
Non-marketable securities (fair value accounting):
Venture capital and private equity fund investments	(17,185		)	(63,146		)	(26,591		)
Other venture capital investments	(3,496		)	(11,062		)	(8,918		)
Other investments	—			—			(16		)
Other securities (fair value accounting)	(2,962		)	—			—
Non-marketable securities (equity method accounting):
Other investments	(3,111		)	(1,987		)	(2,241		)
Non-marketable securities (cost method accounting):
Venture capital and private equity fund investments (3)	(1,700		)	(1,079		)	(1,028		)
Other investments (4)	(4,320		)	(119		)	(34		)
Total gross losses on investment securities	(36,123		)	(81,207		)	(47,192		)
Gains on investment securities, net	$	419,408		$	122,114		$	195,034

(1) Includes realized gains (losses) on sales of available-for-sale securities that are recognized in the income statement. Unrealized gains (losses) on available-for-sale securities are recognized in other comprehensive income. The cost basis of available-for-sale securities sold is determined on a specific identification basis.

(2) Other securities (fair value accounting) and other venture capital investments includes unrealized valuation gains of $219 million for the year ended December 31, 2013 attributable to two of our portfolio companies, FireEye and Twitter. Both FireEye and Twitter are each subject to a lock-up agreement. The extent to which any unrealized gains will become realized is subject to a variety of factors, including, among other things, the expiration of current lock-up agreements to which these securities are subject, the actual sales of securities and the timing of such actual sales.

(3) Includes OTTI of $1.4 million from the declines in value for 43 of the 288 investments, $1.0 million from the declines in value for 46 of the 324 investments, and 1.0 million from the declines in value for 41 of the 329 investments held at December 31, 2013, 2012, and 2011, respectively. We concluded that any declines in value for the remaining investments were temporary, and as such, no OTTI was required to be recognized.

(4) Includes OTTI of $3.9 million impairment charge on a single direct equity investment. We concluded that any declines in value for the remaining investments were temporary, and as such, no OTTI was required to be recognized. There were no recognized OTTI amounts for the years ended December 31, 2012 and 2011.

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Other Noninterest Income and Other Noninterest Expense

12 Months Ended

Dec. 31, 2013

Other Income and Expenses [Abstract]

Other Noninterest Income and Other Noninterest Expense

Other Noninterest Income and Other Noninterest Expense

A summary of other noninterest income for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012			2011
Fund management fees	$	11,163	$	11,057		$	10,730
Service-based fee income	7,807		7,937			9,717
Gains (losses) on revaluation of foreign currency instruments (1)	3,016		1,677			(2,096		)
Currency revaluation gains (losses) (2)	93		(16		)	(4,275		)
Net gains on the sale of certain assets related to our equity management services business	—		4,243			—
Other (3)	14,060		11,465			7,154
Total other noninterest income	$	36,139	$	36,363		$	21,230

(1) Represents the revaluation of foreign currency denominated financial instruments issued and held by us, primarily loans, deposits and cash.

(2) Includes the revaluation of foreign currency denominated financial statements of certain funds. Included in these amounts are gains of $87 thousand, gains of $27 thousand and losses of $2.9 million in 2013, 2012 and 2011, respectively, attributable to noncontrolling interests calculated based on the ownership percentages of the noncontrolling interests.

(3) Includes dividends on FHLB/FRB stock, correspondent bank rebate income and other fee income.

A summary of other noninterest expense for 2013, 2012 and 2011 is as follows:

	Year ended December 31,
(Dollars in thousands)	2013		2012		2011
Client services	$	8,181	$	6,910	$	4,594
Data processing services	7,895		5,876		4,811
Tax credit fund amortization	6,436		3,911		4,474
Telephone	6,258		6,528		5,835
Postage and supplies	2,462		2,482		2,162
Dues and publications	1,745		2,067		1,570
Net gain from note repurchases and termination of corresponding interest rate swaps (1)	—		—		(3,123		)
Other	8,950		8,188		10,499
Total other noninterest expense	$	41,927	$	35,962	$	30,822

(1) Represents gains from the repurchase of $109 million of our 5.70% Senior Notes and $204 million of our 6.05% Subordinated Notes and the termination of the corresponding portions of interest rate swaps in 2011. For more information, see Note 11–"Short-Term Borrowings and Long-Term Debt."

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Short-Term Borrowings and Long-Term Debt Outstanding Short Term Borrowings and Long Term Debt (Parenthetical) (Detail) (USD $) In Thousands, unless otherwise specified	0 Months Ended		12 Months Ended			12 Months Ended				12 Months Ended
	Apr. 15, 2011 3.875% Convertible Notes	Dec. 31, 2011 3.875% Convertible Notes	Dec. 31, 2013 5.375% Senior Notes	Dec. 31, 2012 5.375% Senior Notes	Dec. 31, 2011 5.70% Senior Notes	Dec. 31, 2013 6.05% Subordinated Notes	Dec. 31, 2012 6.05% Subordinated Notes	Dec. 31, 2013 6.05% Subordinated Notes Interest rate swaps	Dec. 31, 2012 6.05% Subordinated Notes Interest rate swaps	Dec. 31, 2013 7.0% Junior Subordinated Debentures	Dec. 31, 2012 7.0% Junior Subordinated Debentures
Debt Outstanding [Line Items]
Stated interest rate		3.875%	5.375%	5.375%	5.70%	6.05%	6.05%			7.00%	7.00%
Fair value of the interest rate swap associated with the notes						$ 6,500	$ 9,000	$ 6,500	$ 9,000
Maturity	Apr. 15, 2011		Sep. 15, 2020	Sep. 15, 2020		Jun. 01, 2017				Oct. 15, 2033	Oct. 15, 2033