Cathay General Bancorp · NASDAQ:CATY
Cathay General Bancorp — Q2 2026 Earnings Presentation
26 slides from Cathay General Bancorp's earnings presentation, Jul 22, 2026
Slide 1: Financial Earnings Results Second Quarter 2026
Financial Earnings Results Second Quarter 2026 July 22, 2026 =) Cathay General Bancorp
Slide 2: Forward Looking Statements
Forward Looking Statements This presentation contains forward-looking statements about Cathay General Bancorp and its subsidiaries (collectively referred to herein as the “Company,” “we,” “us” or “our’) within the meaning of the applicable provisions of the Private Securities Litigation Reform Act o
Slide 3: Los Angeles
$24.7bn 13.70% Los Angeles Oldest Operating Chinese American-Founded Bank sstablished in 1962 with deep roots, strong brand equity, and mutti-generational client relationships Industry-Leading Operating Efficiency supporting strong profitability across economic cycl Conservative Credit Culture suppo
Slide 4: Financial Performance 2Q 2026
Financial Performance 2Q 2026 Quarterly Highlights Net Income Earnings and Profitability Netincome (Sma) —a— Dited EPS = Netincome of $92.2 million and EPS of $1.37, $905 geg.g $822 = ROAAof 1.52%; ROATCE" of 13.98% sma Smt Efficiency ratio of 41.53% up 1.18% QoQ Net Interest Income, Margin, and Fun
Slide 5: Summary Balance Sheets (Unaudited)
Summary Balance Sheets (Unaudited) % Change %wChange Smn, except per share data 63026 33126 QoQ 630.25 yoy Highlights Cash equnalents & ST investments $1327 8 1,205 10% § 1247 ON aiconequistens and APS debt securities 4683 1,678 0% = 1,648 2% short-term investments increased 10% Qo, reflecting Loans
Slide 6: Loan and Deposit Composition
Loan and Deposit Composition Total Loan Portfolio (Sbn) ‘Average Loan Growth - QoQ Annualized % (Sbn) Highlights EOP asof63028 TW TaaICRE | Resicnt Mongager CAI m Corstucten = Average Loans of $20.21 billion, up 1% QoQ Bi esi} gj icc] Sy * CRE concentration ratio of 277%, remaining below regulatory
Slide 7: Cash and AFS Securities
Cash and AFS Securities Total Securities Portfolio Net Unrealized Loss on AFS Securities and Cash ($mn) in AOCI (Sma) Hightghts ROCHE came St Ter iets 2025 3025 40251025 2025s Stablecashand securities ante soartes Aretge Vets 0 Portfolio supporting ample iquidly werage Ved) profile. Together with ou
Slide 8: Summary Income Statements (Unaudited)
Summary Income Statements (Unaudited) Highlights 6 Change % change Sim, except per share data 6.9026 331.26 063025 YoY Net nterest income before provision for creat osses 2009 $ 1842 % S$ 121% Frovision for credit osses 12 182 (38)% M2 0% ‘Net interest income after provision for credit loss es 189.7
Slide 9: Yield and Funding Costs
Yield and Funding Costs Net Interest Income and Net Interest Margin. NiIGma) —@=NIM —e—Avp. Fed Funds Rale Average Loan Yield vs Prime Rate and 1M SOFR Highlights ‘Aap. Loan Yield ea Ag. Preme Rate me Ag SOFR Rate san 114089 % ese 68% $195 494 —_—— SS 100 a a a a ae ste S008 Samm sete vos eame~S~CaS
Slide 10: Non-Interest Income
Non-Interest Income Non-Interest Income ($mn) Highlights S240 $168 ge si64 so4t 62 sa a ry 72025 3025 (net gsnss)Hominvesimertseavites MINN netgsn css) Fomequty secures 8 lean and eat fee mE cine cperatig home Se later of reitconmisins Be teat nonintret come 3025 1025 2026 cath rarapemer fe eta acus
Slide 11: Operating Expense & Efficiency
Operating Expense & Efficiency Noninterest Expense (Smn) Highlights = Noninterest expense decreased Se seat $5.6 milion primarily due to higher $3.2, $2.8. UHTC amortization, salaries and sao fy sz employee benefits costs and FDIC oa ie assessment expenses in QoQ = Efficiency ratio increased 1.1% =
Slide 12: Asset Quality Metrics
Asset Quality Metrics ALLL Composition (Smn) Reserves and Net Charge Offs (%) Highlights SGRE Car Resowitnongeg Woman Tan bad wen an Ga ste7 $196 = we ge 3] 22 a2 3s ae y 2 2 E> mas sans at ne Classified Loans Ratio ($mn) AL /Grssisins —BNCOHAGISE= I — SALLE to gross loans increased to 1.06% reflect
Slide 13: Strong Capital Ratios
Strong Capital Ratios Key Capital Ratios (%) Highlights = Capital Ratio All capital ratios remained well above Basel Ii 45.47% minimums ‘+ Risk-based capital ratios increased aa:70% sanhited approximately 20 bps QoQ, reflecting recent capital optimization reporting activities 11.28% 10.50% = Book Va
Slide 14: Management Guidance Full Year 2026
Management Guidance Full Year 2026 Full Year Prior Full Year 2026 Guidance Outlook 2025 Actual Loans, = Estimated growth rate 3.5% to 45%. = Estimated growth rate 3.5% to 4.5% $202 billion ‘end of period 44.0% YoY Deposits + Estimated growth rate 3% to 4%, + Estimated growth rate 4% to 5% $209 billi
Slide 15: Appendix
Appendix Pe
Slide 16: Loan and Deposit Yields
Loan and Deposit Yields Average Loan Yield by Type (bps) SEORE #3025 MORE STORE #2025 H Petes ane 2 ne ae 2 secre H ikem Seine ig H ined H erm, 811 614 608001 S97 Sa +393 605 608000 s97 svea77srrsras73 t Average Cost of Deposits by Type (bps) Taal Loans cat Resdental Mortgage RE Loan Portfolio By In
Slide 17: Commercial Real Estate Portfolio
Commercial Real Estate Portfolio CRE Portfolio Breakdown Residential 17% CRE $10.8bn 52% oftotal loans Total Loans Warehouse 7% CRE Concentration Special Use 1% Restaurant 1% Land 0.3% “Theater 0.1% (CRE loans of $10.78 bilion include a notional amount of {$623 milion of interest rate swaps of 3.0%
Slide 18: Commercial Real Estate Portfolio (cont'd)
Commercial Real Estate Portfolio (cont’d) CRE LTV Distribution CRE LTV and Size by Property Type CRE Loan Avg CRE Portfolio Loan Size Weighted (Smn) _—_(Smn)__Avg. LTV Residental $3,582 S14 53% Retail $2,674 $2.1 48% Offce $1,388 $23 48% Warehouse $1,468 $2.9 47% Industrial $713 $35 4% Hotel / Motel
Slide 19: Selected CRE and Construction Loan Portfolios
Selected CRE and Construction Loan Portfolios Residential CRE Portfolio Retail CRE Portfolio Construction Portfolio % based on $3 6hn oans outstanding 9% based on §2.7on ans outslandng ‘% based on $0.2bn loans custanding Mutiple Famity ‘5+ Multi-Family 43% Retalmix Use ies Residential aoe Retail Sto
Slide 20: CRE Office Portfolio
CRE Office Portfolio Office CRE Portfolio Office CRE Distribution % based on $1 40n loans aulstanding CGE laa qc Parfoto Weigtedavg LIV Office 30% Property Type. (smn) (smn) Condominium Offce Bulking sant 49% (ffce Condominium sas 47% Office Building: ae Offce Reta Sores sx 30% Once Reta A 22% Medea
Slide 21: Residential Mortgage Portfolio
Residential Mortgage Portfolio Resi. Mortgage Geographic Distribution Single-Family Resi. LTV Distribution 53% $6.1bn viene Residential ga Mortgage" $423,000 ‘Ousanory Sze ne WA 5% TX 2% nas ‘Other 5% * Residential Mortgage Includes equity lines, installment and other loans. Cathay General Beane nco
Slide 22: Use of Non-GAAP Financial Information
Use of Non-GAAP Financial Information Consolidated financial information has been presented in accordance with GAAP as well as on a non-GAAP basis to supplement our consolidated financial results. Our non-GAAP financial measures including tangible book value ("TBV"), tangible book value per share (T
Slide 23: Appendix: GAAP to Non-GAAP Reconciliation
Appendix: GAAP to Non-GAAP Reconciliation Selected Consolidation Financial Information ($ in thousands) (unaudited) thous ars exceot ow shave ts) (roused) ane 30 BE March 3, 205 June 302s Stoct holden’ eauty @ os somos 2oee s 280.285 (278095 (75630) arses) aan 2.420) sen ® Zee ean = Zen ° zace2et9 2
Slide 24: Appendix: GAAP to Non-GAAP Reconciliation
Appendix: GAAP to Non-GAAP Reconciliation Selected Consolidation Financial Information ($ in thousands) (unaudited) thous ands exceot pe shave ets) Unaudited) EITEDECS EITEDELIS TusaudTaay Stocktoen eauty o os soars S Lass: Gosewit (75,698) ‘ter ircargite assets" 1 esa Tangbie book ve o & zeeas77 |S
Slide 25: Appendix: GAAP to Non-GAAP Reconciliation
Appendix: GAAP to Non-GAAP Reconciliation Selected Consolidation Financial Information ($ in thousands) (unaudited) “Three MonthsEnded Six Months Ended in thousands except per share data) Wnaucited) Tune 30,2026 March 31,026 June 30,7025 “June 30,2026 _June 30, 20% Net interest income before provisi
Slide 26: Cathay General Bancorp
ie Cathay General Bancorp
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