East West Bancorp (EWBC) investor relations material

Executive summary

• Achieved record total revenue of $791 million in Q2 2026, up 12% year-over-year, with net income of $364 million and diluted EPS of $2.63, an 18% increase year-over-year.

• Loans and deposits reached record highs at $59.0 billion and $70.1 billion, respectively, as of June 30, 2026, with deposits up 8% year-over-year and loans up 7% year-over-year.

• Asset quality remained resilient, with nonperforming assets at 0.29% of total assets and net charge-offs at 0.19% annualized.

• Book value per share increased 13% year-over-year to $67.48; tangible book value per share rose 14% to $64.06.

• Declared a third-quarter dividend of $0.80 per share, payable August 17, 2026.

Financial highlights

• Net interest income reached a record $685 million, up 11% year-over-year, with net interest margin at 3.43%.

• Noninterest income reached a record $106 million, up 24% year-over-year; fee income was $96 million, up 19% year-over-year.

• Total noninterest expense was $291 million, up 14% year-over-year; efficiency ratio was 36.7%.

• Allowance for credit losses was $842 million, or 1.43% of total loans.

• Return on average assets was 1.75%, and return on average common equity was 16%.

Outlook and guidance

• Full-year 2026 loan growth expected at 6%-8% year-over-year, with NII projected to grow 7%-9%.

• Operating noninterest expense expected to rise 8%-9% year-over-year; efficiency ratio guidance reaffirmed.

• Net charge-offs anticipated in the range of 15-25 basis points for the year.

• Effective tax rate forecasted at 22%-23%.

• Management emphasized sustainable growth, strong capital position, and stable credit performance.