East West Banking Corp. · PSE:EW

East West Banking — Investor Presentation (June 2025)

21 slides from East West Banking's investor presentation, June 2025

  1. Slide 1: EastWest Bank (EW)

    © eastwest EastWest Bank (EW)

  2. Slide 2: EastWest is a leading consumer Bank in the Philippines

    EastWest is a leading consumer Bank in the Philippines Overview of EastWest Bank 9th largest in total ..but 6th in total With the highest ◼ East West Banking Corporation (“EastWest” or “EW”) is the 9th Assets.. consumer portfolio1 margins vs peers largest privately-held bank in the Philippines with

  3. Slide 3: A Key Pillar of the Filinvest Group of Companies

    A Key Pillar of the Filinvest Group of Companies Real Estate & Hospitality Banking Power Sugar & Infrastructure • One of the leading • Manages c.1,800 keys in • Most consumer-focused • Early mover into the • Lead consortium member in real estate developers in significant growth areas bank in retail

  4. Slide 4: Strong Track Record of Organic and Inorganic growth

    Strong Track Record of Organic and Inorganic growth Php 5.0 bn IPO on the Philippine Breached Php 500 Stock Exchange billion in total assets Php 8.0 bn from a Stock Rights Offering Php 49 Embarked on an aggressive Store expansion (SRO) Php 525 Assets Assets 2009 – 2011 2012 2015 2016 – 2019 2024 Acq

  5. Slide 5: With a wide coverage to serve customers

    With a wide coverage to serve customers Distribution Platforms Deep coverage across regions 6th Largest Store network 1,707 Subsidiary Stores 15% Metro Manila 505 1,211 Parent Stores 13% 46% Luzon 340 948 Visayas 250 642 631 26% Mindanao 468 459 164 385 76 18 319 262 1,202 871 698 478 392 441 187 42

  6. Slide 6: Clear consumer lending focus

    Clear consumer lending focus EastWest’s Total Loans EW Loan Mix Industry Loan Mix Php bn Consumer Corporate ∆ YoY 334 13% 297 Consumer Consumer 246 259 60 216 60 82% 23% Corporate 59 69 16% Corporate 61 237 274 77% 187 155 190 18% 2020 2021 2022 2023 2024 Market Share (%) and Size (Php Bn) Auto Sala

  7. Slide 7: Asset quality reflective of a high-margin loan portfolio

    Asset quality reflective of a high-margin loan portfolio Consumer Loan Mix Consumer NPL Ratio Consumer NPL Cover EastWest EW Industry Industry EW Home Personal loans loans 4% 7% 64.2 59.9 61.4 56.5 58.0 27% 33% Auto 5.8 5.8 5.8 55.9 56.1 56.0 57.2 59.4 Credit 5.7 loans 5.3 Cards 29% 5.7 5.8 5.8 5.5

  8. Slide 8: Competitive Low-Cost Funding Generation

    Competitive Low-Cost Funding Generation EastWest’s Total Deposits CASA Ratio Currency Mix Php bn CASA Time ∆ YoY 329 327 329 357 386 8% Peso 74 CASA 68 64 81% 85% 100 82 Time Foreign 229 245 261 292 312 7% 19% 15% 2020 2021 2022 2023 2024 EW CASA outpacing industry (YoY growth in %) With room to fur

  9. Slide 9: Revenues driven by core-recurring income

    Revenues driven by core-recurring income Net Interest income Service Charges, Fees & Commissions Php bn Php bn 28.2 33.5 26.5 21.0 23.3 5.9 3.7 3.7 3.8 4.8 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 Net Interest Margin (%) Fee income Mix Yield Net Interest Margin Cost 9.4 9.3 10.2 7.2 7.9 Con

  10. Slide 10: Spending and planting seeds for an expanding Bank

    Spending and planting seeds for an expanding Bank Operating Expenses Stabilizing Workforce expansion Php bn 9,000 EW total manpower count 8,555 23.4 8,500 20.3 1.2 16.2 16.5 17.0 1.1 2.4 8,000 0.8 1.8 3.0 0.6 0.6 2.5 7,500 7,175 2.1 2.4 2.2 2.6 1.9 1.9 8.5 7,000 6.0 7.4 5.7 5.7 2020 2021 2022 2023 2

  11. Slide 11: Credit costs in line with a growing consumer portfolio

    Credit costs in line with a growing consumer portfolio From front-loaded provisions that normalize as the portfolio matures Credit cost 1 (%) 1 Annualized provisions over average gross loans Preemptive pandemic provisioning Credit cost contribution (%) Loan portfolio 3.2 seasoning 3.0 Corporate Cons

  12. Slide 12: Returning Profitability and Stable Capital for Growth

    Returning Profitability and Stable Capital for Growth Net income surpassed pre-pandemic levels Capital Ratios above regulatory thresholds Php bn 16.0% 15.0% 13.8% 13.4% 14.0% 13.0% 12.0% CAR CET1 11.0% 13.0% 12.7% 7.6 10.0% 6.5 6.1 9.0% Regulatory minimum 4.5 4.6 8.0% 7.0% 6.0% 2020 2021 2022 2023 2

  13. Slide 13: Awards & Recognitions

    Awards & Recognitions A Testament to Our Consumer Focus Best Private Bank Best Consumer Loan Best FX Broker (EastWest Priority) Experience Bank (Derivatives and FX) Global Finance International Finance International Finance Magazine Magazine Magazine (IMF) Best Wealth Manager Outstanding Digital CX

  14. Slide 14: A Deep Senior Management Team

    A Deep Senior Management Team Capable of Executing Strategy JERRY G. NGO JACQUELINE S. FERNANDEZ RAFAEL S. ALGARRA JR. LAWRENCE L. LEE Chief Executive Officer President Head – Financial Markets and Head – Consumer Lending • With EastWest Bank since 2023 • With EastWest Bank since 2006 Wealth Managem

  15. Slide 15: A Deep Senior Management Team

    A Deep Senior Management Team Capable of Executing Strategy JOSEPH GERARD D. SALVADOR R. SERRANO SREE BARANI SUNDARAM NORMAN MARTIN C. REYES TIAMSON Head – Central Branch Operations Head – Technology Head – Marketing and Cash Head – Bank Operations • With EastWest Bank since 2019 Transformation Mana

  16. Slide 16: Annex

    @ casinest Annex www.eastwestbanker.com

  17. Slide 17: Financial Summary

    Financial Summary In Php billions except YoY % and ratios Balance Sheet FY2023 FY2024 YoY % P&L FY2023 FY2024 YoY % Assets 464.2 524.7 13.0 Net Interest Income 28.2 33.5 18.6 Gross Loans 296.9 334.3 12.6 Non-interest income 7.4 8.9 19.9 Securities 98.0 120.1 22.6 Net Revenues 35.7 47.4 18.9 Deposits

  18. Slide 18: Balance Sheet

    Balance Sheet Php Mn 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Assets Primary Liquid Assets 49,907 60,440 67,795 63,763 47,838 85,545 103,402 59,366 44,453 42,233 Trading and Investment Securities 15,165 16,398 13,785 41,098 70,877 57,895 66,533 82,251 97,997 120,102 Loans and Receivables 15

  19. Slide 19: Income Statement

    Income Statement Php Mn 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Interest Income 14,607 18,217 22,020 24,358 29,758 30,710 23,252 26,120 34,561 42,328 Interest Expense 2,267 2,818 3,569 5,081 8,291 4,207 2,226 2,795 6,337 8,842 Net Interest Income 12,340 15,399 18,451 19,277 21,467 26,503 2

  20. Slide 20: Ratios

    Ratios 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Profitability Return on Equity 7.2% 10.4% 13.8% 11.0% 13.7% 12.3% 7.9% 7.7% 9.5% 10.8% Return on Assets 1.0% 1.3% 1.7% 1.4% 1.6% 1.6% 1.1% 1.1% 1.4% 1.5% Net Interest Margin 8.0% 7.7% 7.8% 7.4% 6.9% 8.1% 6.5% 7.1% 7.6% 7.8% Cost-to-Income 59.7

  21. Slide 21: Thank you

    © eastwest Thank you

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