East West Bancorp, Inc. · NASDAQ:EWBC
East West Bancorp — Q2 2026 Earnings Presentation
26 slides from East West Bancorp's earnings presentation, Jul 21, 2026
Slide 1: East West Bancorp, Inc. 2Q Earnings Presentation
East West Bancorp, Inc. 2Q Earnings Presentation 2Q July 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: 2Q26 Financial Highlights
2Q26 Financial Highlights 2Q26 net income of $364 million or $2.63 diluted quarterly earnings per share; diluted EPS up 18% Y-o-Y ▪ Grew EOP deposits 8% Y-o-Y ▪ Record revenue of $791mm, up 12% Y-o-Y − Strong growth Q-o-Q from ▪ Record NII of $685mm, up 11%Y-o-Y noninterest bearing demand; total DDA
Slide 4: Deposits
Deposits Strong noninterest-bearing deposit growth Q-o-Q Average Deposits End of Period Deposit Growth by Category (1Q26 to 2Q26) ($ in billions) ($ in millions) 4Y-o-Y Year +8% CAGRs $68.7 +11% $66.8 $67.5 $66.2 $63.7 Noninterest-bearing Demand $875 25.1 25.4 +6% 24.6 25.2 23.9 IB Checking & Saving
Slide 5: Loans
Loans Bolstered diversification, with prudent Q-o-Q growth in our focus categories Average Loans End of Period Loan Growth by Category (1Q26 to 2Q26) ($ in billions) ($ in millions) 4Y-o-Y Year +7% CAGRs +11% $57.1 $58.2 $55.2 $55.6 $54.3 Residential mortgage $309 & other consumer 18.8 19.4 +12% 17.
Slide 6: Net Interest Income & Net Interest Margin
Net Interest Income & Net Interest Margin Positive deposit mix trends supported income Q-o-Q Net Interest Income (NII) & Net Interest Margin (NIM) End of Period Interest-bearing Deposit Cost (2Q24 to 2Q26) ($ in millions) NII NIM 3.92% 3.73% 3.43% 3.30% 3.25% 3.15% 2.87% 2.81% 2.76% $685 $678 $671 $
Slide 7: Fee Income
Fee Income Strong Y-o-Y growth, driven by strong execution and relationship deepening Fee Income1 Highlights ($ in millions) ▪ Fee income1 of $96mm, up $15mm or Y-o-Y +19% +19% Y-o-Y $99 − Deposit-related fees and lending fees $96 Y-o-Y $92 $87 grew by a combined $3mm Q-o-Q, 22 Wealth 19 +81% $81 15
Slide 8: Operating Expense & Efficiency
Operating Expense & Efficiency Maintained best-in-class efficiency while investing in people and platforms to sustain growth Total Operating Noninterest Expense1 Highlights ($ in millions) ▪ Total operating noninterest expense1 of $268mm, up $9mm Q-o-Q $268 Y-o-Y − Maintained best-in-class efficienc
Slide 9: Asset Quality Metrics
Asset Quality Metrics Credit performance remains stable Provision for Credit Losses & Net Charge-offs Nonperforming Assets (NPAs) ($ in millions) ($ in millions) $50 $45 $247 $45 OREO and other $216 $40 $36 $36 $201 $208 25 Provision$35 for $33 $30 $172 42 36 credit losses $30 $27 CRE 44 89 $25 33 5
Slide 10: Allowance for Loan Losses
Allowance for Loan Losses Healthy allowance levels, up $6mm Q-o-Q reflecting loan growth and portfolio mix shift Allowance for Loan Losses (ALLL) ($ in millions) $900 1.50% $836 $842 $850 $810 $791 1.45% $800 $760 1.44% $750 1.43% 1.42% 1.42% 1.40% $700 1.38% $650 1.35% 06.30.25 09.30.25 12.31.25 03
Slide 11: Capital
Capital Position of significant strength Tangible Common Equity Ratio1 Regulatory Capital Ratios Highlights 10.7% 10.9% 11.0% 11.0% 10.6% ▪ Strong book value per share growth 10.5% 10.4% 10.2% 10.3% 5.0% ‒ Up 13% Y-o-Y, tangible book value 10.0% per share1 up 14% Y-o-Y Leverage Ratio ▪ Capital prior
Slide 12: Management Outlook: Full Year 2026
Management Outlook: Full Year 2026 Earnings Drivers FY 2025 Results Updated FY 2026 Expectations 2Q26 Results (Y-o-Y) (YTD) Interest Rate Outlook - ▪ Assumes flat rates - 6% ▪ Growing 6% to 8% Y-o-Y 7% End of Period Loans ($56.9bn) (Up from 5% to 7%) ($59.0bn) Top Quartile 12% ▪ Growing 7% to 9% Y-o
Slide 13: Appendix
Appendix () EASTWEST BANK
Slide 14: East West at a Glance
East West at a Glance 06.30.26 06.30.26 06.30.26 2Q26 $18B Market Cap $85B Assets $70B 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 Over 70% of loans support commercial customers, with broad diversification across industry and asset types Commercial Loans by Type (as % of Total Loans, 06.30.26) Total Loan C&I Portfolio CRE $19.9bn $59.0bn $21.7bn General & other 6% C&I 9% Multifamily $19.9 34% Capital
Slide 16: Commercial Real Estate Portfolio Detail
Commercial Real Estate Portfolio Detail Our CRE portfolio is granular - many loans have full recourse and personal guarantees Distribution by Loan-to-Value (LTV)1 Size and LTV by Property Type (as of 06.30.26) (as of 06.30.26) >70% 4% Total Portfolio Weighted Average >65% to 70% Size Avg. LTV1 Loan
Slide 17: CRE Office – Additional Information
CRE Office – Additional Information Our office portfolio has low LTVs across segments and low average loan sizes CRE Office: Geographic Mix by Metro Area CRE Office by Size Segment (as of 06.30.26) (as of 06.30.26) Other Regions Avg. Weighted Balance No. of Loan Size Loan Size Avg. LTV ($ in mm) Loa
Slide 18: 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 06.30.26) (as of 06.30.26) Other Regions Avg. Weighted Balance No. of Loan Size Loan Size Avg. LTV 12% ($ in mm) Loans ($ in m
Slide 19: 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 06.30.26) (as of 06.30.26) Other Regions Avg. Weighted Balance No. of Loan Size Loan Size Avg. LTV Nevada ($ in mm) Loa
Slide 20: 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 06.30.26 (as of 06.30.26) Outstandings >60% ▪ $17.4bn loans outstanding 13% 52% $442,000 ▪ +2% Q-o-Q and +6% Y-o-
Slide 21: C&I Nondepository Financial Institution Loans
C&I Nondepository Financial Institution (NDFI) Loans Our NDFI portfolio is granular with diversification across industry and category types NDFI Outstanding: Loan Mix by Call Report Category Highlights ($ in billions) Q-o-Q ($) 4 Year ▪ Well diversified by +$24mm CAGRs $8.3 $8.3 x underlying asset a
Slide 22: Cash and Securities
Cash and Securities Strong on-balance-sheet liquidity levels Average Total Securities Portfolio and Cash Highlights ($ in billions) Total Securities Interest-bearing Cash, Equivalent, and Resale Agreements Total Securities Average Yield ▪ Securities portfolio well-positioned as a source of liquidity
Slide 23: Loan Yields
Loan Yields Loan Portfolio by Index Rate Average C&I Loan Rate (as of 06.30.26) 7.71% 7.02% 6.68% 6.43% 6.28% Fixed rate 19% Hybrid in fixed rate period 26% Total fixed rate and Variable - SOFR hybrid in fixed 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 3.31% 3.39% 3.26% 3.34% 3.05% 3.11% 2.84% 2.91% 2.81% 2.88% 2.52% 2.49% 2.30% 2.13% 2.10% 2Q25 3Q25 4Q25 1Q26 2Q26 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