Howe Barnes Hoefer

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Howe Barnes Hoefer Arnett

• August 19, 2008

Thomas A. Sa Executive Vice President Chief
Financial Officer
Daniel P. Myers President and Chief Executive
Officer
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Forward-Looking Statements

• Certain matters discussed herein constitute
  forward-looking statements within the meaning of
  the Private Securities Litigation Reform Act of
  1995, and are subject to the safe harbors created
  by that Act. Forward-looking statements describe
  future plans, strategies, and expectations, and
  are based on currently available information,
  expectations, assumptions, projections, and
  management's judgment about the Bank, the banking
  industry and general economic conditions. These
  forward-looking statements are subject to certain
  risks and uncertainties that could cause the
  actual results, performance or achievements to
  differ materially from those expressed, suggested
  or implied by the forward-looking statements.
  These risks and uncertainties include, but are
  not limited to (1) competitive pressures in the
  banking industry (2) changes in interest rate
  environment (3) general economic conditions,
  nationally, regionally, and in operating markets
  (4) changes in the regulatory environment (5)
  changes in business conditions and inflation (6)
  changes in securities markets (7) future credit
  loss experience (8) the ability to satisfy
  requirements related to the Sarbanes-Oxley Act
  and other regulation or internal control (9)
  civil disturbances or terrorist threats or acts,
  or apprehension about the possible future
  occurrences of acts of this type and (10) the
  involvement of the United States in war or other
  hostilities. The reader should refer to the more
  complete discussion of such risks in Bridge
  Capital Holdings reports on Forms 10-K and 10-Q
  on file with the SEC.

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Financial and Trading Snapshot
1 Based on First Call FY08 consensus EPS of
0.89 per share.
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Why Are We Different?
A business banking franchise Professional
Business Bank of Choice for small and
middle-market businesses and technology companies
in Silicon Valley, California, and the nation.

• Business banking focus
• True business line diversification
• commercial ? technology ? structured finance ?
  cash management ? international trade services ?
  construction
• Relatively low exposure to current industry
  risk/volatility
• Operating in relatively healthy U.S. markets
• Positioned to endure economic cycle
• Growth in core business despite significant
  headwinds

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Bridge Bank Franchise

• Funding-driven approach to building the business
• Experienced, disciplined board and management
• Disciplined execution of our business plan
• No subprime exposure
• Limited exposure to construction and land
• More capable than most banks our size
• Unique effective use of banking technology
• Attractive Silicon Valley market and other
  expansion opportunities
• Ranked No. 2 for CI lending by American Bankers
  Association1

1 American Banker magazine, American Bankers
Association, Published June 3, 2008 Independent
banks with less than 1 billion of assets.
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Markets

• REGIONAL OFFICES
• San Jose (Main)
• Palo Alto

• BUSINESS OFFICES
• Sacramento (CI, SBA)
• San Diego (SBA)
• East Bay (CI)
• Dallas, TX (tech)
• Reston, VA (tech)
• San Francisco (tech)
• Orange County (tech, SBA)

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Market Dynamics
Core Region Silicon Valley

• Geographic Opportunities
• Population 3.9 million1 (1.9 since 00)
• San Jose 10th largest US city2
• Among highest median family and per capita
  incomes in US3
• Unemployment 5.34
• Santa Clara County housing market (-13.3)5

• Business Opportunities
• 101b deposit market6
• 121k HQ businesses (lt250 employees)4
• Silicon Valley represents 33-36 of US venture
  capital investment (10.7b in 2007, 5.6b YTD
  08)7
• Ample growth opportunity in headquarters region
  minimizes expansion risk

Silicon Valley Region Santa Clara, San Mateo,
and Alameda Counties 1 US Census Bureau 2007
Estimate 2 San Jose/Silicon Valley Chamber of
Commerce 3 US Census/HUD CRA/HMDA Report 2008
4 California Employment Development
Department/Labor Market Index June 2008 5
DataQuick Housing Report, Median Price, SFD
resale condos SFD new const 2007 v. 2008,
June 2008 6 FDIC data at June 30, 2007 7 National
Venture Capital Association/PricewaterhouseCoopers
Money Tree Survey
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Significant Market Opportunity
Silicon Valley Region Deposits 101.1b
Deposits Santa Clara, San Mateo,
Alameda Counties

• Sale to WFB closed 10-01-07
• Integration started 3-01-08
• 4b deposits
• Includes former GBBK business banking brands
• San Jose National
• Mid Peninsula
• Cupertino National
• Saratoga National

Source FDIC as of June 30, 2007
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Opportunistic Growth

• All organic growth and expansion to date
• Ability to successfully export unique banking
  model to complimentary markets
• Leverage core competencies and bank technology
• Tech Banking SoCal, Dallas TX, Reston VA

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Comparative Strength
Limited exposure ...

• True loan portfolio diversification
• No subprime mortgage programs
• Proactive and aggressive risk management

and positioned to endure economic cycle.

• Strong core deposit franchise value
• Relative geographic health opportunity for
  growth
• Attractive net interest margin
• Strong capital position

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Balance Sheet Growth
Total Assets in Millions (EOP)

• 14.7 CAGR (3 Years)
• Purely organic growth
• Consistent leverage

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Focus on Core Funding Sources
Deposit Mix
millions

• 87 Core Deposits
• 15.3 CAGR (3 Years)

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Diversification of Lending Activity
Loan Mix
Approximately 50 non- real estate
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Ranked No. 2 for CI Lending
Source American Banker magazine, American
Bankers Association, Independent banks with less
than 1 billion of assets.
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A Closer Look
Total Loan Portfolio
Construction ( of Total Loans) (14)
Land Development ( of Total Loans) (8)
All percentages stated as percent of total loan
portfolio
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Land Loans by Region
Percentage of Total Loans (8 Land Loans)
All percentages stated as percent of total loan
portfolio
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Construction by Region
Percentage of Total Loans (14 Construction)
All percentages stated as percent of total loan
portfolio
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Proactive Credit Risk Management
ALLL and Net Charge-Offs of Average Total Loans
Average ALLL and NCO of US Public Banks
500M-1.5b TA SNL
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Non Performing Assets
6-30-08

• 23.3 million NPAs in 11 loans 2 OREO in 10
  relationships
• 2Q08 2.87 assets up from 2.03 at 1Q08
• Average NPA 1.8 million Median NPA 354k
• 75 of total NPAs in 3 loans/2 relationships/2
  projects
• Total estimated impairment within NPAs 1.8
  million
• Total ALLLR 12.3 million
• 2Q08 NPA Progress (1.7) million

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Net Interest Margin
BBNK vs. Peers
Average NIM of US Public Banks 500M-1.5b TA SNL
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Steady Margin
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Revenue Growth
millions
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Strong Revenue Per Employee
Revenue Per Employee (000)
BBNK Revenue/Employee 178 of Peer Group
Average Revenue/Employee of US Public Banks
500M-1.5b TA SNL
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Diversified Revenue Sources
YTD 2008 Revenue
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Operating Leverage
Efficiency Ratio
Average Efficiency Ratio of US Public Banks
500M-1.5b TA SNL
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Net Income EPS
000, except per diluted share amounts
1.57
1.27
0.85
0.45
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ROAA
Peer Avg
Peer Avg
Average ROAA of US Public Banks 500M-1.5b TA
SNL
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Strong Capital Position
6-30-08
( millions)
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Capital Sources to Fund Growth
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ROAE
Peer Avg
Peer Avg
Average ROAE of US Public Banks 500M-1.5b TA
SNL
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Why BBNK Today?

• Business banking focus
• True business line diversification
• commercial ? technology ? structured finance ?
  cash management ? international trade services ?
  construction
• Strong core deposit franchise
• Operating in relatively healthy U.S. markets
• Relatively low exposure to current industry
  risk/volatility
• Growth in core business despite significant
  headwinds
• Positioned to endure economic cycle
• Current attractive valuation

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Thank You / Q A