East West Bancorp: 2Q25 Basel III Regulatory Capital Disclosures Report

Page

Disclosure Map 3

Scope of Application 5

Capital Structure 6

Capital Adequacy 7

Capital Conservation Buffer 8

Risk Management 9

Credit Risk: General Disclosures 9

General Disclosure for Counterparty Credit Risk-Related Exposures 15

Credit Risk Mitigation 16

Securitization 17

Equities Not Subject to the Market Risk Rule 18

Interest Rate Risk for Non-trading Activities 18

Appendix 1 - Forward-looking statements 21

‌DISCLOSURE MAP

The table below identifies where the disclosures related to topics referenced in this Pillar 3 disclosure report can be found in the Company's Annual Report on Form 10-K for the year ended December 31, 2024 (the "Company's 2024 Form 10-K") and the Company's Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2025 (the "Company's Second Quarter 2025 Form 10-Q").

5

Scope of Application Background and overview; Regulatory capital

Overview Item 1 - Business,

Note 16

6, no difference in the basis for consolidating entities

Basis of presentation Note 1 Note 1

Capital Structure

Capital instruments - Summary

1. information of all regulatory capital instruments.

   Regulatory Capital and Ratios

   Note 16

2. Regulatory capital N/A Note 16

   7

   Capital Adequacy Capital management - Discussion of the Bank's capital adequacy assessment.

   Regulatory Capital and Ratios

   Regulatory Capital and Ratios

   and Ratios, Note 16

3. Risk-weighted assets N/A Regulatory Capital

   Capital Conservation Buffer

   Required ratios and eligible retained income

   Regulatory Capital and Ratios, Note 16

   8 - 9

   N/A

   Note 6

   and Ratios

4. Capital conservation buffer Regulatory Capital Risk Management 9 Risk management overview Risk Management,

Regulatory Capital and Ratios, Note 16

Risk Management, Note 6

Credit Risk: General

Disclosures 9-10 General credit risk disclosures

11-12

Exposure types/Impaired loans/ Allowance for credit losses

12-14

15-16

Industry and geographic distribution; maturity information

Credit Risk Management, Note 6

Loan Portfolio, Note 6

Loan Portfolio Note 6

Credit Risk Management, Note 6

Loan Portfolio, Note 6

Loan Portfolio Note 6

General Disclosure for Counterparty Credit

Counterparty credit risk management overview

Derivatives Note 3 & 5

Derivatives Note 3 & 5

Risk-related Exposures

15-16 Counterparty credit risk exposure Note 3 & 5 Note 3 & 5

15 Credit derivatives purchased and sold Note 5 Note 5

Note 5

Credit Risk Mitigation 17 Accounting Policies Derivatives,

Derivatives, Note 5

16 Guarantees and credit derivatives N/A N/A

17

Securitization Objectives, roles and securitization risk-weighted assets

17

Accounting policies for securitization activities

N/A N/A

N/A N/A

17

18

17 Securitization exposure N/A N/A

18

Equities Not Subject to the Market Risk Rule

Summary of current year's securitization activity

Summary of significant accounting policies

Nonmarketable equity securities, realized and unrealized gains (losses)

N/A N/A

N/A N/A

Note 2, 4 & 7 Note 2, 4 & 7

Interest Rate Risk for Non-trading Activities

18 - 19 Overview Interest Risk Management

20 Earnings Sensitivity Interest Risk Management

Interest Risk Management

Interest Risk Management

The tables below provide page references to our Second Quarter 2025 Form 10-Q and our 2024 Form 10-K for certain topics and financial information listed in the table on the previous page.

Note 2 - Fair Value Measurement and Fair Value of Financial Instruments 101,

Note 4 - Securities 116

Note 6 - Loans Receivable and Allowance for Credit Losses 128-129, 133-137

Note 16 - Regulatory Requirements and Matters 149-150

‌SCOPE OF APPLICATION

‌East West Bancorp, Inc. (referred to herein on an unconsolidated basis as "East West" and on a consolidated basis as the "Company") is a registered bank holding company that offers a full range of banking services to individuals and businesses through its subsidiary bank, East West Bank and its subsidiaries ("East West Bank" or the "Bank"). The Bank is the Company's principal asset and provides a full range of consumer and commercial products and services through the Consumer and Business Banking, and Commercial Banking segments, with the remaining functions included in the Treasury and Other segment. The Company operates in the United States ("U.S.") and Asia. In the U.S., the Bank's corporate headquarters and main administrative offices are located in California, and its branches and offices are located in California, Texas, New York, Washington, Georgia, Massachusetts, Illinois, Kansas, and Nevada. In Asia, the Company's presence includes full-service branches in Hong Kong, Shanghai, Shantou and Shenzhen, representative offices in Beijing, Chongqing, Guangzhou, Xiamen, and Singapore, and administrative support offices in Beijing and Shanghai. The Bank has a banking subsidiary based in China - East West Bank (China) Limited. As of June 30, 2025, the Company and the Bank were classified as "well capitalized" and not subject to any capital distribution restrictions. For additional information on dividend restrictions and transfers of funds, refer to Item 1. Business - Supervision and Regulation - Dividends and Other Transfers of Funds in the Company's 2024 Form 10-K.

As a bank holding company, East West is subject to primary regulation, supervision, and examination by the Board of Governors of the Federal Reserve System ("Federal Reserve") under the Bank Holding Company Act of 1956, as amended. The Company is also subject to the disclosure and regulatory requirements of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and the rules and regulations adopted by the U.S. Securities and Exchange Commission ("SEC") thereunder.

East West Bank is a California state-chartered bank and a member of the Federal Reserve System, and its deposits are insured by the Federal Deposit Insurance Corporation ("FDIC"). The Bank's operations in the U.S. are primarily regulated and supervised by the Federal Reserve and the California Department of Financial Protection and Innovation, and its activities outside the U.S. are regulated and supervised by its U.S. regulators and the applicable regulatory authority in the host country in which each overseas office is located.

The Bank's foreign subsidiary, East West Bank (China) Limited, is subject to applicable foreign laws and regulations, such as those implemented by the People's Bank of China and the National Financial Regulatory Administration. East West Bank's Hong Kong branch is subject to applicable foreign laws and regulations, such as those implemented by the Hong Kong Monetary Authority and the Hong Kong Securities and Futures Commission. The Bank's Singapore representative office is subject to applicable foreign laws and regulations, such as those implemented by the Monetary Authority of Singapore.

In addition to its banking operations, East West has a wholly-owned nonbank subsidiary, East West Markets, LLC ("East West Markets"), which is an SEC-registered broker-dealer and a member of the Financial Industry Regulatory Authority, Inc. ("FINRA"). East West Markets is subject to regulatory requirements from several regulatory bodies, including the SEC, FINRA, and state securities regulators.

The federal banking agencies have imposed capital adequacy requirements, known as the Basel III Capital Rules, intended to ensure that banking organizations maintain capital that is commensurate with the degree of risk associated with their operations. The Basel III Capital Rules define the components of regulatory capital, including Common Equity Tier 1 ("CET1"), Tier 1 and Tier 2 capital, and set forth minimum capital adequacy ratios of capital to risk-weighted assets and total assets. The Basel III Capital Rules also prescribe a standardized approach for risk-weighting assets and include a number of risk-weighting categories that affect the denominator in banking institutions' regulatory capital ratios.