East West Bancorp, Inc. · NASDAQ:EWBC
East West Bancorp — Q4 2025 Earnings Presentation
29 slides from East West Bancorp's earnings presentation, Jan 22, 2026
Slide 1: Fourth Quarter and Full Year 2025 Earnings Presentation
East West Bancorp, Inc. Fourth Quarter and Full Year 2025 Earnings Presentation January 22, 2026
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: Full Year and 4Q25 Financial Highlights
Full Year and 4Q25 Financial Highlights Record 2025 net income of $1.325 billion, $9.52 diluted full-year earnings per share 4Q25 net income of $356 million, $2.55 diluted quarterly earnings per share ▪ Grew EOP deposits $3.9bn Y-o-Y ▪ Record full-year NII of $2.6bn and (6.2%) noninterest income of
Slide 4: Deposits
Deposits Grew end-of-period deposits 6% Y-o-Y, with over $500 million of Q-o-Q growth in noninterest-bearing demand Average Deposits End of Period Deposit Growth by Category (3Q25 to 4Q25) ($ in billions) ($ in millions) 4Y-o-Y Year Q-o-Q 4Y-o-Y Year 4 Year +9% CAGRs +1% +6% CAGRs CAGR +11% +11% $64
Slide 5: Loans
Loans Bolstered diversification with prudent Y-o-Y and Q-o-Q growth in our focus categories Average Loans End of Period Loan Growth by Category (3Q25 to 4Q25) ($ in billions) ($ in millions) 4Y-o-Y Year Q-o-Q 4Y-o-Y Year 4 Year +4% CAGRs +2% +6% CAGRs CAGR +11% +11% +8% $54.6 C&I $649 $52.4 +4% +7%
Slide 6: Net Interest Income & Net Interest Margin
Net Interest Income & Net Interest Margin Strong deposit mix trends supported margin and income Q-o-Q Net Interest Income (NII) & Net Interest Margin (NIM) End of Period Deposit Cost (2Q24 to 4Q25) ($ in millions) 3.92% NII NIM Adjusted NII and NIM1 3.73% $678 $658 3.43% $645 3.30% 3.25% 3.15% $617
Slide 7: Fee Income
Fee Income Sustained execution supported strong Y-o-Y growth Fee Income1 Highlights ($ in millions) ▪ Record full-year fee income1 of $348mm, 4Y-o-Y Year CAGRs +12% up $37mm or +12% Y-o-Y 4 Year +11% CAGR $348 +10% − Y-o-Y growth in wealth management, $310 50 Wealth +29% Management Fees customer der
Slide 8: Operating Expense & Efficiency
Operating Expense & Efficiency Maintained best-in-class efficiency Total Operating Noninterest Expense1 Highlights ($ in millions) FDIC Special Assessment ▪ Full-year total operating noninterest 4 Year 4Y-o-Y Year expense1 of $972mm, up 7% Y-o-Y CAGR2 +7% CAGRs +10% $972 +11% (9) Efficiency Ratio an
Slide 9: Asset Quality Metrics
Asset Quality Metrics Resilient credit – measures holding at low absolute levels Provision for Credit Losses & Net Charge-offs Nonperforming Assets ($ in millions) ($ in millions) $201 $208 $80 $70 $194 $64 $182 $70 OREO and Other $172 42 35 44 $60 29 $49 19 10 33 $45 30 Provision for $50 CRE 9 67 $
Slide 10: Allowance for Loan Losses
Allowance for Loan Losses ALLL ratio remains stable, increased $19mm reflecting Q-o-Q loan growth Allowance for Loan Losses (ALLL) Highlights ($ in millions) $810 ▪ ALLL ratio remains stable $791 $760 $735 $702 ‒ Increased reserves by $19mm Q-o-Q, 1.42% 1.42% primarily reflecting Q-o-Q net loan 1.38
Slide 11: Capital
Capital Position of significant strength Tangible Common Equity Ratio1 Regulatory Capital Ratios2 Highlights 10.4% 10.5% 10.6% 10.7% 10.9% ▪ Declared 1Q26 dividend of $0.80 10.5% 5.0% ‒ Payable on February 17, 2026 to 10.2% 9.9% 10.0% shareholders of record on February 2, 9.6% Leverage Ratio 2026 14
Slide 12: Management Outlook: Full Year 2026
Management Outlook: Full Year 2026 Earnings Drivers FY 2025 Results FY 2026 Expectations FY 2026 Expectation Interest Rate Outlook - ▪ Assumes December 31st forward curve 6% End of Period Loans ▪ Growing 5% to 7% Y-o-Y Top Quartile ($56.9bn) Returns 12% Net Interest Income ▪ Growing 5% to 7% Y-o-Y (
Slide 13: Appendix
Appendix ( EAST WEST BANK
Slide 14: East West at a Glance
East West at a Glance 12.31.25 12.31.25 12.31.25 4Q25 ~$15B Market Cap $80B Assets $67B 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 15: Diversified Loan Portfolio
Diversified Loan Portfolio 70% of loans support commercial customers, with broad diversification across industry and asset types Commercial Loans by Type (as % of Total Loans, 12.31.25) Total Loan C&I Portfolio CRE $18.6bn $56.9bn $21.3bn General 7% C&I 9% Multifamily $18.6 33% Real Estate Investmen
Slide 16: Commercial Real Estate Portfolio Detail
Commercial Real Estate Portfolio Detail Our CRE portfolio is granular - many loans have full recourse and personal guarantees Distribution by Loan-to-Value (LTV)1 Size and LTV by Property Type (as of 12.31.25) (as of 12.31.25) >70% 4% Total Portfolio Weighted Average >65% to 70% Size Avg. LTV1 Loan
Slide 17: CRE Office – Additional Information
CRE Office – Additional Information Our office portfolio has low LTVs across segments and low average loan sizes CRE Office: Geographic Mix by Metro Area CRE Office by Size Segment (as of 12.31.25) (as of 12.31.25) Other Regions Avg. Weighted Balance No. of Loan Size Loan Size Avg. LTV ($ 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 12.31.25) (as of 12.31.25) 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 12.31.25) (as of 12.31.25) Other Regions Avg. Weighted Balance No. of Nevada Loan Size Loan Size Avg. LTV 6% ($ in mm)
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 12.31.25 (as of 12.31.25) Outstandings >60% 12% ▪ $16.9bn loans outstanding 50% $439,000 ▪ +1% Q-o-Q and +6% Y-o-
Slide 21: Cash and Securities
Cash and Securities Strong on balance sheet liquidity levels Average Total Securities Portfolio and Cash Highlights ($ in billions) Total Securities Cash, Equivalent, and Resale Agreements Total Securities Average Yield ▪ Securities portfolio well-positioned as a $20.8 $20.9 $18.8 $19.2 $19.5 source
Slide 22: Loan Yields
Loan Yields Loan Portfolio by Index Rate Average C&I Loan Rate (as of 12.31.25) 7.42% 7.71% 7.06% 7.02% 6.68% Fixed rate 26% 20% Hybrid in fixed rate period Total fixed rate and hybrid in fixed Variable - SOFR 22% period: 42% Variable - Prime, all other 32% rates 91% variable rate Average Residentia
Slide 23: Deposit and Funding Cost
Deposit and Funding Cost Average Deposit and Liability Cost 3.63% 3.71% 3.34% 3.43% 3.31% 3.39% 3.34% 3.26% 3.11% 3.05% 2.75% 2.54% 2.52% 2.49% 2.30% 4Q24 1Q25 2Q25 3Q25 4Q25 Average cost of deposits Average cost of interest-bearing deposits Average cost of interest-bearing liabilities Average Depos
Slide 24: Appendix: GAAP to Non-GAAP Reconciliation
Appendix: GAAP to Non-GAAP Reconciliation EAST WEST BANCORP, INC. AND SUBSIDIARIES GAAP TO NON-GAAP RECONCILIATION ($ in thousands) (unaudited) Management believes that presenting the adjusted net interest margin that excludes the Q3 2025 impact of discount accretion and interest recoveries from the
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) Adjusted net income and adjusted diluted EPS represent net income and diluted EPS adjusted for the following tax-effected impacts: discount accretion and in
Slide 26: Appendix: GAAP to Non-GAAP Reconciliation (Continued from Slide 25)
Appendix: GAAP to Non-GAAP Reconciliation (Continued from Slide 25) EAST WEST BANCORP, INC. AND SUBSIDIARIES GAAP TO NON-GAAP RECONCILIATION ($ in thousands) (unaudited) Three Months Ended Year Ended December 31, September 30, December 31, December 31, December 31, 2025 2025 2024 2025 2024 Average t
Slide 27: 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. Non-GAAP measures used consist
Slide 28: 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 29: 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