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East West Bancorp (EWBC) investor relations material
East West Bancorp Barclays 23rd Annual Global Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Business performance and outlook
Core deposit growth remains strong, driven by consumer and small business segments, supporting increased lending and investments.
Net interest income (NII) guidance was raised from over 7% to nearly 10% year-over-year, trending toward a $2.5 billion run rate.
Deposit inflows are primarily from a successful liquid CD program and small business initiatives, with cross-border business also contributing.
Margin dynamics benefit from lower CD pricing and asset sensitivity, with positive short-term NII outlook despite competitive loan markets.
Spreads are being maintained, especially in CRE, while CNI lending remains competitive but disciplined.
Growth strategy and capital deployment
Organic loan growth is targeted at 7–9% by 2026, with a focus on expanding in underpenetrated markets like Texas and New York.
Fee income is a strategic priority, with strong organic growth and plans to fill product gaps through acquisitions or partnerships.
Efficiency ratio may rise modestly as investments are made, but focus remains on delivering top quartile ROTCE.
Capital deployment prioritizes customer growth, with ongoing buybacks and a commitment to annual dividend increases.
Whole bank acquisitions are less attractive due to efficiency challenges; focus is on fee and wealth management opportunities.
Regulatory and operational environment
Regulatory tone has improved, with constructive dialogue and optimism for growth strategies.
Investments in cybersecurity, payments, and risk management are ongoing to support growth and regulatory readiness.
Internal team building is preferred over outsourcing for regulatory preparedness, aiming for cost efficiency.
A potential increase in regulatory asset thresholds would provide more flexibility but current investments will continue.
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