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East West Bank

Pasadena, CA · Cert 31628 · East West Bcorp Inc.

State charter, Fed member · FED · 97 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

91

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

East West Bank

Pasadena, CA · Cert 31628 · East West Bcorp Inc.

State charter, Fed member · FED · 97 branches

Q2 2026

$84.3BAssets
$59.0BLoans
$66.2BDeposits
$8.3BEquity
Loan mix
80%RE $39.4B20%C&I $10.1B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $47.6B28%Noninterest $18.6BQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 6.0% share · #5 of 107 inst. · $40.3B of $667.8B

11.9% Los Angeles
0.1% New York
1.6% Santa Clara
0.8% San Francisco

Executive Summary

  • Earnings: ROA of 1.77%, up 19 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.38% of loans (+12 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 9.89%, down 7 bps from a year ago.
  • Funding: loans stand at 89.09% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.77%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+10 bps YoY

Efficiency Ratio (YTD, annualized)

35.98%+12 bps YoY

Tier 1 Leverage Ratio

9.89%-7 bps YoY

NIM

5.73%Q2 ’245.41%Q2 ’255.12%Q2 ’26+1%+3%

Non-interest income vs. expense

1.32%Q2 ’241.29%Q2 ’251.35%Q2 ’26-5%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.64%1.62%1.54%1.58%1.69%1.72%1.78%1.77%+19 bps
Return on Equity17.21%17.03%15.88%16.19%17.09%17.27%17.61%17.70%+151 bps
Net Interest Margin3.07%3.02%3.16%3.16%3.18%3.20%3.31%3.25%+10 bps
Efficiency Ratio36.08%36.10%35.61%35.87%35.58%35.05%35.90%35.98%+12 bps
Non-Interest Burden0.83%0.82%0.83%0.84%0.84%0.82%0.86%0.86%+1 bps
Growth
Asset Growth (YoY)9.09%9.16%7.02%7.31%6.37%5.04%8.93%8.63%+132 bps
Loan Growth (YoY)4.60%2.90%4.32%4.14%4.76%5.90%7.14%7.25%+311 bps
Deposit Growth (YoY)11.98%12.75%7.22%8.05%6.91%5.19%9.30%7.48%-57 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.30%0.28%0.25%0.32%0.33%0.35%0.38%+12 bps
Net Charge-Offs / Loans0.19%0.26%0.11%0.11%0.11%0.11%0.08%0.13%+2 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.83%9.81%9.90%9.96%9.99%10.03%10.01%9.89%-7 bps
Total Risk-Based Capital14.56%14.69%14.81%14.88%15.15%15.11%15.08%15.15%+27 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits90.53%89.23%90.98%89.28%88.71%89.84%89.18%89.09%-19 bps
Liquid Assets / Assets3.94%3.85%3.84%3.73%3.64%3.60%3.47%3.37%-35 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

East West Bank

Pasadena, CA · Cert 31628 · Peer group: banks over $10B in assets (n=142-144) · East West Bcorp Inc.

State charter, Fed member · FED · 97 branches

Q2 2026

$84.3BAssets
$59.0BLoans
$66.2BDeposits
$8.3BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 91% of banks over $10B in assets (rank 14 of 144).
  • Widest gap: equity / assets trails 69% of banks over $10B in assets (rank 100 of 144).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.73%

Rank 26 of 144

Net Interest Margin

3.25%

Rank 78 of 144

Efficiency Ratio

35.98%

Rank 14 of 144

Equity / Assets

9.86%

Rank 100 of 144

Non-interest income vs. expense

$0.4B$1.1BINCOMEEXPENSE
Unfavorable gap of $0.7B · efficiency ratio beats 91% of banks over $10B in assets
Bank 35.98%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.73%1.00%1.26%1.54%Beats 82%26 / 144
Return on Equity17.52%8.98%11.34%14.40%Beats 85%21 / 144
Net Interest Margin3.25%2.82%3.31%3.68%Beats 46%78 / 144
Efficiency Ratio35.98%49.42%56.02%62.41%Beats 91%14 / 144
Asset Quality
Nonperforming Loans / Loans0.38%0.48%0.73%1.07%Beats 84%24 / 142
Net Charge-Offs / Loans0.08%0.05%0.11%0.22%Beats 62%55 / 142
Capital
Tier 1 Capital Ratio13.90%12.07%12.98%14.92%Beats 63%54 / 144
Total Risk-Based Capital Ratio15.15%13.39%14.14%16.25%Beats 64%52 / 144
Equity / Assets9.86%9.69%11.39%12.96%Beats 31%100 / 144
Liquidity & Funding
Loans / Deposits89.09%75.72%84.92%91.56%64th pctl51 / 143
Loans / Assets69.93%59.83%69.07%74.80%53rd pctl67 / 144
Brokered Deposits / Depositsn/aNot reported for this institution