East West Bancorp, Inc. · NASDAQ:EWBC
East West Bancorp — Q3 2026 Earnings Presentation
26 slides from East West Bancorp's earnings presentation, Oct 20, 2026
Slide 1: East West Bancorp, Inc. 3Q Earnings Presentation
East West Bancorp, Inc. 3Q Earnings Presentation 3Q October 20, 2026 26 EWBC NasdaqListed
Slide 2: Forward-Looking Statements and Additional Information
Forward-Looking Statements and Additional Information In this presentation, “we”, “our”, “us”, “East West” and the “Company” refer to East West Bancorp, Inc., and its consolidated subsidiaries unless the context indicates otherwise. Forward-Looking Statements This presentation contains forward-looki
Slide 3: 3Q26 Financial Highlights
3Q26 Financial Highlights Record quarterly net income of $382 million or $2.76 diluted quarterly earnings per share ▪ Grew EOP deposits over 7% Y-o-Y ▪ Record quarterly revenue of $823mm − Strong growth Q-o-Q from non- − YTD revenue up 10% Y-o-Y maturity deposits via deepening customer relationships
Slide 4: Deposits
Deposits Strong noninterest-bearing deposit growth Y-o-Y Average Deposits End of Period Deposit Growth by Category (2Q26 to 3Q26) ($ in billions) ($ in millions) 4Y-o-Y Year +6% CAGRs +11% $70.3 $67.5 $68.7 $66.2 $66.8 Money Market $675 25.5 +4% 25.1 25.4 24.6 25.2 Time $314 16.8 +1% +$1,400mm 16.2
Slide 5: Loans
Loans Prudent growth Y-o-Y, aligned with our areas of focus Average Loans End of Period Loan Growth by Category (2Q26 to 3Q26) ($ in billions) ($ in millions) 4Y-o-Y Year $58.2 $58.9 +7% CAGRs $57.1 $55.2 $55.6 +11% 19.4 Residential mortgage 18.8 19.4 +9% & other consumer $397 17.8 17.7 Multifamily
Slide 6: Net Interest Income & Net Interest Margin
Net Interest Income & Net Interest Margin Lower total average deposit costs, asset repricing supported NII growth and NIM Net Interest Income (NII) & Net Interest Margin (NIM) 3Q26 Highlights ($ in millions) ▪ Record NII of $719mm, up $34mm Q-o-Q NII NIM $719 ▪ Total average deposit cost of 2.08%, d
Slide 7: Fee Income
Fee Income Strong Y-o-Y growth in wealth management, deposit-related fees, and foreign exchange income Fee Income1 Highlights ($ in millions) ▪ Fee income1 of $93mm $99 $96 Y-o-Y $92 $93 − Deposit-related fees and foreign $87 exchange income grew by a combined 31 32 $4mm Q-o-Q 28 Commercial and Cons
Slide 8: Operating Expense & Efficiency
Operating Expense & Efficiency Maintained best-in-class efficiency while investing in people and platforms to sustain growth Total Operating Noninterest Expense1 Highlights ($ in millions) ▪ Total operating noninterest expense1 of $268 Y-o-Y $259mm, down $9mm Q-o-Q $261 $258 $259 $244 − Maintained b
Slide 9: Asset Quality Metrics
Asset Quality Metrics Credit performance remained resilient Provision for Credit Losses & Net Charge-offs Nonperforming Assets (NPAs) ($ in millions) ($ in millions) $256 $247 $50 $45 CRE $208 $216 $45 $201 64 $40 $36 $36 89 Provision$35 for $33 Resi. mortgage & 30 56 $30 consumer 67 credit losses $
Slide 10: Allowance for Loan Losses
Allowance for Loan Losses Healthy allowance levels, up $23mm Q-o-Q Allowance for Loan Losses (ALLL) ($ in millions) $900 1.50% $865 $842 1.48% $850 $836 $810 1.46% $791 $800 1.45% 1.44% 1.44% 1.43% 1.42% $750 1.42% 1.42% 1.40% $700 1.38% 09.30.25 12.31.25 03.31.26 06.30.26 09.30.26 ALLL ALLL/Loans H
Slide 11: Capital
Capital Position of significant strength Tangible Common Equity Ratio1 Regulatory Capital Ratios Highlights 10.7% 10.9% 11.0% 11.0% 11.1% ▪ 10.0% (TCE)1 ratio, with regulatory 10.5% 10.4% 10.3% capital well in excess of requirements 10.2% 5.0% 10.0% and well above regional bank averages Leverage Rat
Slide 12: Management Outlook: Full Year 2026
Management Outlook: Full Year 2026 FY 2025 Results 9 mos. Y-o-Y / Earnings Drivers FY 2026 Expectations (Y-o-Y) YTD Results Interest Rate Outlook - ▪ Assumes flat rates - 6% 7.1% End of Period Loans ▪ Growing 6% to 8% Y-o-Y ($56.9bn) ($59.7bn) Top Quartile 12% ▪ Growing 9% to 10% Y-o-Y 9.5% Net Inte
Slide 13: Appendix
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Slide 14: East West at a Glance
East West at a Glance 09.30.26 09.30.26 09.30.26 3Q26 $17B Market Cap $86B Assets $71B Deposits 17% ROTCE1 A Leading Regional Bank with Cross-Border Capabilities... …Well Positioned in Dense, Attractive Markets… ▪ Headquartered in Pasadena, California Key Markets WA ▪ Founded in 1973 - over 50 years
Slide 15: Diversified Loan Portfolio
Diversified Loan Portfolio Approximately 70% of loans support commercial customers, with broad diversification across industry and asset types Commercial Loans by Type (as % of Total Loans, 09.30.26) Total Loan C&I Portfolio CRE $19.8bn $59.7bn $22.1bn General & other 7% C&I 9% Multifamily $19.8 33%
Slide 16: C&I Nondepository Financial Institution (NDFI) Loans
C&I Nondepository Financial Institution (NDFI) Loans Our NDFI portfolio is granular with diversification across industry and category types NDFI Outstanding: Loan Mix by Call Report Category Highlights ($ in billions) Q-o-Q ($) 4 Year ▪ Well diversified by -$199mm CAGRs $8.3 $8.3 $8.1 x underlying a
Slide 17: Commercial Real Estate Portfolio Detail
Commercial Real Estate Portfolio Detail Our CRE portfolio is granular - many loans have full recourse and personal guarantees Distribution by Loan-to-Value (LTV)1 Size and LTV by Property Type (as of 09.30.26) (as of 09.30.26) >70% 4% Total Portfolio Weighted Average >65% to 70% Size Avg. LTV1 Loan
Slide 18: CRE Office – Additional Information
CRE Office – Additional Information Our office portfolio has low LTVs across segments and low average loan sizes CRE Office: Geographic Mix by Metro Area CRE Office by Size Segment (as of 09.30.26) (as of 09.30.26) Other Regions Avg. Weighted Balance No. of Loan Size Loan Size Avg. LTV ($ in mm) Loa
Slide 19: CRE Retail – Additional Information
CRE Retail – Additional Information Our retail portfolio has a weighted average LTV profile of 47% CRE Retail: Geographic Mix by Metro Area CRE Retail by Size Segment (as of 09.30.26) (as of 09.30.26) Other Regions Avg. Weighted Balance No. of Loan Size Loan Size Avg. LTV 12% ($ in mm) Loans ($ in m
Slide 20: CRE Multifamily – Additional Information
CRE Multifamily – Additional Information Our multifamily portfolio is amongst our most granular CRE Multifamily: Geographic Mix by Metro Area CRE Multifamily by Size Segment (as of 09.30.26) (as of 09.30.26) Other Regions Avg. Weighted Balance No. of Loan Size Loan Size Avg. LTV Nevada ($ in mm) Loa
Slide 21: Residential Mortgage Portfolio
Residential Mortgage Portfolio Our residential mortgage portfolio benefits from both low LTVs and smaller average loan size Resi. Mortgage Distribution by LTV1 Portfolio Highlights as of 09.30.26 (as of 09.30.26) Outstandings >60% ▪ $17.8bn loans outstanding 15% 51% $444,000 ▪ +2% Q-o-Q and +7% Y-o-
Slide 22: Cash and Securities
Cash and Securities Strong on-balance-sheet liquidity levels Average Total Securities Portfolio and Cash Highlights ($ in billions) Total Securities Interest-bearing Cash, Equivalent, and Resale Agreements Total Securities Average Yield ▪ Securities portfolio well-positioned as a $22.8 source of liq
Slide 23: Loan Yields
Loan Yields Loan Portfolio by Index Rate Average C&I Loan Rate (as of 09.30.26) 7.71% 6.68% 6.43% 6.38% 6.28% Fixed rate 19% Hybrid in fixed rate period 27% Total fixed rate and Variable - SOFR hybrid in fixed 20% period: 39% Variable - Prime, all other 34% rates 92% variable rate Average Residentia
Slide 24: Deposit and Funding Cost
Deposit and Funding Cost Average Deposit and Liability Cost 3.26% 3.34% 3.05% 3.11% 2.84% 2.91% 2.81% 2.88% 2.81% 2.88% 2.49% 2.30% 2.13% 2.10% 2.08% 3Q25 4Q25 1Q26 2Q26 3Q26 Average cost of deposits Average cost of interest-bearing deposits Average cost of interest-bearing liabilities Average Depos
Slide 25: Appendix: GAAP to Non-GAAP Reconciliation
Appendix: GAAP to Non-GAAP Reconciliation EAST WEST BANCORP, INC. AND SUBSIDIARIES GAAP TO NON-GAAP RECONCILIATION ($ in thousands) (unaudited) The Company uses certain non-GAAP financial measures to provide supplemental information regarding the Company’s performance. Tangible book value, tangible
Slide 26: Appendix: GAAP to Non-GAAP Reconciliation
Appendix: GAAP to Non-GAAP Reconciliation EAST WEST BANCORP, INC. AND SUBSIDIARIES GAAP TO NON-GAAP RECONCILIATION ($ in thousands) (unaudited) Return on average TCE represents tangible net income divided by average tangible book value. Tangible net income excludes the after-tax impacts of the amort