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  "documentTitle": "Silicon Valley Bank | Results Presentation Deck | 56 slides",
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  "authorName": "SVB Financial Group",
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  "presentationDate": "2020-08-01 00:00:00",
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  "notes": "The slide uses a stacked bar chart to decompose provision for credit losses and highlights specific credit performance drivers with positive/negative indicators.",
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      "kind": "chart",
      "text": "Current COVID-19 economic scenarios Moody's June forecasts",
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      "text": "PROVISION FOR CREDIT LOSSES $ Millions",
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      "text": "Credit performance drivers: Higher Tech, Healthcare & Life Science losses; Higher NPLs from Wine; Extended client runway; Early-Stage only 5% of total loans; PE/VC and private bank 59% of total loans; No direct exposure to gas and oil",
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      "text": "Q2'20 provision driven by continued reserve build based on market conditions (e.g., higher unemployment rate) and higher NPLs. Combination of PPP, deferral programs, slowing cash burn and new investor commitments have extended client runway. NCOs remain within normal ranges; higher NPLs driven mostly by 2 loans in Sponsor Led Buyout and Balance Sheet Dependent portfolios",
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