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: 3Q26 Earnings Presentation
3Q 26 EWBC NasdaqListed East West Bancorp, Inc. 3Q Earnings Presentation October 20, 2026
Slide 2: Forward-Looking Statements and Additional Information
2 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-loo
Slide 3: 3Q26 Financial Highlights
3 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 − Strong growth Q-o-Q from non- maturity deposits via deepening customer relationships ▪ Grew EOP loans 7% Y-o-Y − Prudent growth Q-o-Q in SFR and m
Slide 4: Deposits
15.8 16.4 16.9 17.4 18.3 9.2 9.2 9.3 9.4 9.7 16.6 16.0 16.2 16.5 16.8 24.6 25.2 25.1 25.4 25.5 $66.2 $66.8 $67.5 $68.7 $70.3 3Q25 4Q25 1Q26 2Q26 3Q26 4 4 Year CAGRs +11% Deposits Strong noninterest-bearing deposit growth Y-o-Y ($ in billions) Average Deposits End of Period Deposit Growth by Category
Slide 5: Loans
($76) $148 $278 $397 C&I CRE (ex. Multifamily) Multifamily Residential mortgage & other consumer 5 4 Year CAGRs +11% Loans Prudent growth Y-o-Y, aligned with our areas of focus ($ in billions) Average Loans End of Period Loan Growth by Category (2Q26 to 3Q26) ($ in millions) +6% +4% +9% +9% C&I CRE
Slide 6: Net Interest Income & Net Interest Margin
$678 $658 $671 $685 $719 3.53% 3.41% 3.49% 3.43% 3.49% 3Q25 4Q25 1Q26 2Q26 3Q26 NII NIM 6 Net Interest Income & Net Interest Margin Lower total average deposit costs, asset repricing supported NII growth and NIM ($ in millions) Net Interest Income (NII) & Net Interest Margin (NIM) 3Q26 Highlights ▪
Slide 7: Fee Income
7 Fee Income1 Fee Income Strong Y-o-Y growth in wealth management, deposit-related fees, and foreign exchange income ($ in millions) (1) Fee income excludes mark-to-market adjustments related to customer and other derivatives; net gains on AFS debt securities; other investment income and other incom
Slide 8: Operating Expense & Efficiency
17 17 18 20 19 17 12 16 19 20 13 15 15 15 18 38 48 36 41 32 176 152 173 173 170 $261 $244 $258 $268 $259 3Q25 4Q25 1Q26 2Q26 3Q26 8 Total Operating Noninterest Expense1 Operating Expense & Efficiency Maintained best-in-class efficiency while investing in people and platforms to sustain growth ($ in
Slide 9: Asset Quality Metrics
2.69% 3.64% 0.28% 0.56% 3.08% 3.39% 0.27% 0.60% 3.48% 3.24% 0.26% 0.64% C&I CRE (ex. Multifamily) Multifamily Resi mortgage & consumer $36 $30 $36 $33 $45 $18 $12 $12 $27 $22 $- $5 $10 $15 $20 $25 $30 $35 $40 $45 $50 3Q25 4Q25 1Q26 2Q26 3Q26 Provision for credit losses Net charge- offs 1.38% 1.40% 1
Slide 10: Allowance for Loan Losses
10 Allowance for Loan Losses Healthy allowance levels, up $23mm Q-o-Q Allowance for Loan Losses (ALLL) ($ in millions) Composition of ALLL by Portfolio ($ in millions) 09.30.25 06.30.26 09.30.26 Loan category ALLL ALLL ratio ALLL ALLL ratio ALLL ALLL ratio C&I $ 442 2.45% $ 481 2.42% $ 491 2.48% Tot
Slide 11: Capital
16.1% 16.4% 16.4% 16.8% 16.7% Total Capital Ratio 14.8% 15.1% 15.1% 15.4% 15.4% CET1 Ratio 10.7% 10.9% 11.0% 11.0% 11.1% Leverage Ratio 10.2% 10.5% 10.3% 10.4% 10.0% Tangible Common Equity Ratio 11 12.31.25 Capital Position of significant strength Highlights 09.30.25 06.30.2603.31.26 ▪ 10.0% (TCE)1
Slide 12: Management Outlook: Full Year 2026
12 Management Outlook: Full Year 2026 (1) Total noninterest expense excluding amortization of tax credit and CRA investments Earnings Drivers FY 2025 Results (Y-o-Y) FY 2026 Expectations 9 mos. Y-o-Y / YTD Results Interest Rate Outlook - ▪ Assumes flat rates - End of Period Loans 6% ($56.9bn) ▪ Grow
Slide 13: cs re. = ® Se S <x {yj EASTWEST BANK
cs re. = ® Se S <x {yj EASTWEST BANK
Slide 14: East West at a Glance
14 East West at a Glance (1) See reconciliation of GAAP to non-GAAP financial measures in the appendix and in the Company’s earnings press release $17B Market Cap $86B Assets $71B Deposits 17% ROTCE1 09.30.26 09.30.26 09.30.26 3Q26 ▪ Headquartered in Pasadena, California ▪ Over 25 years on Nasdaq ▪
Slide 15: Diversified Loan Portfolio
2% 2% 2% 2% 4% 4% 4% 7% 15 1% 2% 2% 4% 4% 7% 8% 9% (as % of Total Loans, 09.30.26) Commercial Loans by Type Diversified Loan Portfolio Approximately 70% of loans support commercial customers, with broad diversification across industry and asset types (1) Industries with 1% of total loans outstanding
Slide 16: NDFI Loans
2.5 2.6 2.5 2.6 2.5 1.9 1.8 2.4 2.4 2.4 1.4 1.4 1.4 1.5 1.4 1.0 1.0 1.1 1.0 1.1 0.7 0.8 0.9 0.8 0.7$7.5 $7.6 $8.3 $8.3 $8.1 3Q25 4Q25 1Q26 2Q26 3Q26 C&I Nondepository Financial Institution (NDFI) Loans 16 Our NDFI portfolio is granular with diversification across industry and category types ($ in bi
Slide 17: Commercial Real Estate Portfolio Detail
<=50% 48% >50% to 55% 15% >55% to 60% 16% >60% to 65% 12% >65% to 70% 5% >70% 4% 17 Commercial Real Estate Portfolio Detail Our CRE portfolio is granular - many loans have full recourse and personal guarantees 49% Average LTV1 Distribution by Loan-to-Value (LTV)1 Size and LTV by Property Type (as of
Slide 18: CRE Office – Additional Information
41% 7% 11% 10% 6% 2% 2% 3% 5% 8% 18 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) Loan Size Balance ($ in mm) No. of Loans Avg. Loa
Slide 19: CRE Retail – Additional Information
30% 3% 18% 9% 4% 6% 3% 5% 3% 12% 19 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) Loan Size Balance ($ in mm) No. of Loans Avg. Loan Size ($ in m
Slide 20: CRE Multifamily – Additional Information
31% 3% 13% 6% 5% 6% 7% 3% 4% 3% 5% 3% 6% 20 Oklahoma, 2% 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) Loan Size Balance ($ in mm) No. of
Slide 21: Residential Mortgage Portfolio
Southern California 43% Northern California 17% New York 22% Washington 6% Texas 2% Other 10% <=50% 51% >50% to 55% 13% >55% to 60% 21% >60% 15% 21 Residential Mortgage Portfolio Our residential mortgage portfolio benefits from both low LTVs and smaller average loan size Resi. Mortgage Distribution
Slide 22: Cash and Securities
$0.3 $- $5.3 $12.4 100% RWA 50% RWA 20% RWA 0% RWA 22 Average Total Securities Portfolio and Cash Cash and Securities Strong on-balance-sheet liquidity levels ($ in billions) ▪ Securities portfolio well-positioned as a source of liquidity, interest rate risk management, and earnings support − Total
Slide 23: Loan Yields
5.90% 5.84% 5.87% 5.80% 5.78% 6.23% 6.07% 6.01% 5.97% 5.99% 7.71% 6.68% 6.43% 6.28% 6.38% 19% 20% 34% 27% Fixed rate Hybrid in fixed rate period Variable - SOFR Variable - Prime, all other rates 23 Loan Yields Loan Portfolio by Index Rate (as of 09.30.26) Average C&I Loan Rate Average Residential Mo
Slide 24: Average Deposit and Liability Cost
3.71% 3.59% 3.36% 3.30% 3.27% Time 3.21% 2.83% 2.62% 2.63% 2.65% Money Market 2.47% 2.20% 2.09% 2.01% 2.08% Interest-bearing Checking 2.49% 2.30% 2.13% 2.10% 2.08% 3.26% 3.05% 2.84% 2.81% 2.81% 3.34% 3.11% 2.91% 2.88% 2.88% 3Q25 4Q25 1Q26 2Q26 3Q26 Average cost of deposits Average cost of interest-b
Slide 25: Appendix: GAAP to Non-GAAP Reconciliation
25 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, tangib
Slide 26: Appendix: GAAP to Non-GAAP Reconciliation
26 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 am