East West Bancorp, Inc. · NASDAQ:EWBC
East West Bancorp — Q1 2026 Earnings Presentation
26 slides from East West Bancorp's earnings presentation, Apr 21, 2026
Slide 1: East West Bancorp, Inc. 1Q Earnings Presentation
East West Bancorp, Inc. 1Q Earnings Presentation 1Q April 21, 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: 1Q26 Financial Highlights
1Q26 Financial Highlights 1Q26 net income of $358 million or $2.57 diluted quarterly earnings per share; up 23% Y-o-Y ▪ Grew EOP deposits 9% Y-o-Y ▪ NII of $671mm, up 12%Y-o-Y − Strong growth from consumer and ▪ Record fee income of $99mm, up commercial customers; noninterest- 12% Y-o-Y Deposit-Led
Slide 4: Deposits
Deposits Grew end-of-period deposits 3% Q-o-Q, with nearly $800 million of Q-o-Q growth in noninterest-bearing demand Average Deposits End of Period Deposit Growth by Category (4Q25 to 1Q26) ($ in billions) ($ in millions) 4Y-o-Y Year +8% CAGRs $66.8 $67.5 +11% $66.2 $62.6 $63.7 Money Market $786 24
Slide 5: Loans
Loans Strong C&I growth, with utilization increasing and notable growth in capital call Average Loans End of Period Loan Growth by Category (4Q25 to 1Q26) ($ in billions) ($ in millions) 4Y-o-Y Year +7% CAGRs +11% $57.1 $55.2 $55.6 $53.3 $54.3 C&I $901 17.7 18.8 +11% 17.4 17.8 16.8 Residential mortg
Slide 6: Diversified Loan Portfolio
Diversified Loan Portfolio Over 70% of loans support commercial customers, with broad diversification across industry and asset types Commercial Loans by Type (as % of Total Loans, 03.31.26) Total Loan C&I Portfolio CRE $19.6bn $58.1bn $21.4bn General & Other 7% C&I 9% Multifamily $19.6 34% Capital
Slide 7: C&I Nondepository Financial Institution (NDFI) Loans
C&I Nondepository Financial Institution (NDFI) Loans Our NDFI portfolio is granular with diversification across industry and category types NDFI Outstanding: Loan Mix by Call Report Category Highlights ($ in billions) Q-o-Q ($) 4 Year ▪ Well diversified by +$658mm CAGRs $8.3 x underlying asset and $
Slide 8: Net Interest Income & Net Interest Margin
Net Interest Income & Net Interest Margin Strong deposit mix trends supported margin and income Q-o-Q Net Interest Income (NII) & Net Interest Margin (NIM) End of Period Interest-bearing Deposit Cost (2Q24 to 1Q26) ($ in millions) 3.92% 3.73% NII NIM 3.43% 3.30% 3.25% 3.15% 2.87% 2.81% $678 $671 $65
Slide 9: Fee Income
Fee Income Record quarterly fees driven by strong execution and relationship deepening Fee Income1 Highlights ($ in millions) ▪ Record fee income1 of $99mm, up 4Y-o-Y Year CAGRs +12% $12mm or +13% Q-o-Q and up $11mm or +11% +12% Y-o-Y $99 $92 − Wealth management, customer $88 $87 Wealth 22 +63% deri
Slide 10: Operating Expense & Efficiency
Operating Expense & Efficiency Maintained best-in-class efficiency Total Operating Noninterest Expense1 Highlights ($ in millions) ▪ Total operating noninterest expense1 of 4Y-o-Y Year $258mm, up $14mm Q-o-Q +9% CAGRs +11% ‒ Compensation and employee benefits $261 $258 $244 of $173mm, up $21mm Q-o-Q
Slide 11: Asset Quality Metrics
Asset Quality Metrics Stable credit – measures holding at low absolute levels Provision for Credit Losses & Net Charge-offs Nonperforming Assets (NPAs) $60 ($ in millions) $49 ($ in millions) $216 $50 $45 $201 $208 OREO and Other $182 $172 36 Provision $40 for $36 $36 44 42 credit losses 29 $30 10 3
Slide 12: Allowance for Loan Losses
Allowance for Loan Losses Bolstered ALLL ratio, increased $26mm reflecting Q-o-Q loan growth and portfolio mix shift Allowance for Loan Losses (ALLL) ($ in millions) $900 $810 $836 $760 $791 $735 $700 1.44% 1.42% 1.42% $500 1.38% 1.35% $300 $100 $(100) 03.31.25 06.30.25 09.30.25 12.31.25 03.31.26 AL
Slide 13: Capital
Capital Opportunistic repurchase activity while maintaining a position of strength Tangible Common Equity Ratio1 Regulatory Capital Ratios Highlights 10.5% 10.6% 10.7% 10.9% 11.0% ▪ Strong book value per share growth 10.5% 10.3% 5.0% ‒ Up 14% Y-o-Y, tangible book value per 10.2% 10.0% share1 up 15%
Slide 14: Management Outlook: Full Year 2026
Management Outlook: Full Year 2026 FY 2025 Results 1Q26 Results Earnings Drivers (Y-o-Y) (Y-o-Y) FY 2026 Expectations Interest Rate Outlook - - ▪ Assumes March 31st forward curve (no cuts) 6% 7% End of Period Loans ▪ Growing 5% to 7% Y-o-Y ($56.9bn) ($58.1bn) Top Quartile 12% 12% Net Interest Income
Slide 15: Appendix
Appendix () EASTWEST BANK
Slide 16: East West at a Glance
East West at a Glance 03.31.26 03.31.26 03.31.26 1Q26 ~$15B Market Cap $83B Assets $69B Deposits 17% ROTCE1 A Leading Regional Bank with Cross-Border Capabilities... …Well Positioned in Dense, Attractive Markets… ▪ Headquartered in Pasadena, California Key Markets WA ▪ Founded in 1973 - over 50 year
Slide 17: Commercial Real Estate Portfolio Detail
Commercial Real Estate Portfolio Detail Our CRE portfolio is granular - many loans have full recourse and personal guarantees Distribution by Loan-to-Value (LTV)1 Size and LTV by Property Type (as of 03.31.26) (as of 03.31.26) >70% 5% Total Portfolio Weighted Average >65% to 70% Size Avg. LTV1 Loan
Slide 18: CRE Office – Additional Information
CRE Office – Additional Information Our office portfolio has low LTVs across segments and low average loan sizes CRE Office: Geographic Mix by Metro Area CRE Office by Size Segment (as of 03.31.26) (as of 03.31.26) Other Regions Avg. Weighted Balance No. of Loan Size Loan Size Avg. LTV ($ 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 03.31.26) (as of 03.31.26) Other Regions Avg. Weighted Balance No. of Loan Size Loan Size Avg. LTV 11% ($ 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 03.31.26) (as of 03.31.26) 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 03.31.26 (as of 03.31.26) Outstandings >60% 13% ▪ $17.1bn loans outstanding 50% $439,000 ▪ +1% Q-o-Q and +5% Y-o-
Slide 22: Cash and Securities
Cash and Securities Strong on balance sheet liquidity levels Average Total Securities Portfolio and Cash Highlights ($ in billions) Total Securities Interest-bearing Cash, Equivalent, and Resale Agreements Total Securities Average Yield ▪ Securities portfolio well-positioned as a $20.9 source of liq
Slide 23: Loan Yields
Loan Yields Loan Portfolio by Index Rate Average C&I Loan Rate (as of 03.31.26) 7.71% 7.06% 7.02% 6.68% 6.43% Fixed rate 19% 26% Hybrid in fixed rate period Total fixed rate and hybrid in fixed Variable - SOFR 22% period: 41% Variable - Prime, all other 33% rates 91% variable rate Average Residentia
Slide 24: Deposit and Funding Cost
Deposit and Funding Cost Average Deposit and Liability Cost 3.34% 3.43% 3.31% 3.39% 3.34% 3.26% 3.11% 3.05% 2.91% 2.84% 2.54% 2.52% 2.49% 2.30% 2.13% 1Q25 2Q25 3Q25 4Q25 1Q26 Average cost of deposits Average cost of interest-bearing deposits Average cost of interest-bearing liabilities Average Depos
Slide 25: Appendix: GAAP to Non-GAAP Reconciliation
Appendix: GAAP to Non-GAAP Reconciliation EAST WEST BANCORP, INC. AND SUBSIDIARIES GAAP TO NON-GAAP RECONCILIATION ($ 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