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  "docSlug": "1a8b7f5def71e60ccc2d21598c1e32c4",
  "documentTitle": "Silicon Valley Bank | Results Presentation Deck | 67 slides",
  "authorId": "silicon-valley-bank",
  "authorName": "SVB Financial Group",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2019-08-01 00:00:00",
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  "pageNumber": 11,
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  "notes": "The slide uses a stacked bar chart to show funding composition and a line chart to show the trend in total cost of deposits.",
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      "kind": "callout",
      "text": "Net interest income outlook* lowered to low teens and net interest margin outlook to 3.60%-3.70% as deposit mix and lower market rates not fully offset by stronger balance sheet growth",
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      "text": "TOTAL FUNDING SOURCES",
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      "text": "Strong deposit growth but higher mix of interest-bearing deposits drove increase in cost of deposits. Majority of deposit growth driven by new and deepening relationships with Tech and Life Science clients. Expect limited growth in average non-interest bearing balances for rest of 2019 and potential impact from PE fund distributions in Q3/Q4. Total cost of deposits remains low at 36 bps. Flexibility to adjust deposit rates down in a lower rate environment.",
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      "text": "* Outlook as of 7/25/19 and does not reflect change in Fed Funds rate on 7/31/19",
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      "kind": "title",
      "text": "Strong balance sheet growth driving NII with NIM headwinds (2 of 2)",
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