East West Bancorp (EWBC) investor relations material

Executive summary

• Record Q3 2026 revenue of $823M, net income of $382M and diluted EPS of $2.76; loans reached $59.7B and deposits $71.5B.

• Nine-month net income rose 13.9% YoY to $1.104B, diluted EPS increased 14.4% to $7.97, and NII grew 9.5%.

• Return on average tangible common equity was 17.17%; TCE ratio was 10.0% and CET1 was 15.41%.

Financial highlights

• Record quarterly revenue was $823M and NII was $719M, up $34M QoQ; record PTPP reached $540M, up 8% QoQ.

• NIM expanded 6 bps QoQ to 3.49%; average deposit cost fell 2 bps to 2.08% and interest-earning asset yield rose 4 bps to 5.45%.

• Nine-month fee income rose 10.7% YoY to $288M, with wealth management fees up 47.0% and deposit-related fees up 15.2%.

• Operating noninterest expense was $259M, down $9M QoQ; efficiency ratio improved to 34.40%.

• Quarterly net income rose 5% QoQ and 4% YoY; diluted EPS rose 5% QoQ and 4% YoY.

Outlook and guidance

• FY26 NII growth outlook raised to 9%–10% from 8%–9%, assuming flat rates; fee income growth remains expected above 10%.

• FY26 EOP loan growth expected at 6%–8%; operating noninterest expense growth expected at 8%–9%.

• FY26 net charge-offs expected at 15–20 bps, narrowed from 15–25 bps; effective tax rate expected at 22%–23%.

• Q4 NIM expected to remain broadly stable; FY26 guidance assumes flat rates and ~$4B of active cash-flow hedges provides protection if rates decline.