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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