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East West Bancorp
East West Bancorp (EWBC) investor relations material
East West Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Achieved record net income of $1.325 billion for 2025, with diluted EPS of $9.52 and a 33% increase in the quarterly dividend to $0.80 per share.
End-of-period loans and deposits both grew about 6% year-over-year, led by C&I and residential mortgage lending.
Tangible book value per share increased 17% year-over-year; book value per share rose 16%.
Return on tangible common equity reached 17% for 2025.
Asset quality remained resilient, with nonperforming assets stable at 0.26% of total assets and net charge-offs at 0.11% for 2025.
Financial highlights
Record full-year net interest income of $2.6 billion and fee income up 12% year-over-year, driven by wealth management and lending fees.
Fourth quarter net interest income was $658 million; net interest margin for Q4 was 3.41%.
Efficiency ratio for Q4 was 34.5%; full-year efficiency ratio improved to 35.7%.
Allowance for credit losses increased to $810 million, maintaining a 1.42% reserve ratio.
Net charge-offs were $12 million (8 bps) in Q4 and $60 million (11 bps) for the full year.
Outlook and guidance
2026 loan and net interest income growth expected in the 5%-7% range, led by C&I and residential mortgage.
Fee income growth targeted to outpace balance sheet growth, aiming for double-digit increases.
Operating expenses expected to rise 7%-9% in 2026, mainly from hiring and technology investments.
Net charge-offs for 2026 guided to 20-30 bps; effective tax rate expected at 22%-23%.
Management remains committed to prudent balance sheet growth, industry-leading efficiency, and sound risk management.
Explain Q4 net interest income change vs Q3 adjusted
Assess noninterest-bearing deposit growth and mix
Reconcile NCO decline with nonperforming asset rise
What drives opportunistic share buybacks?
How will NII grow despite asset sensitivity?
Why higher 2026 NCO guidance vs. 2025?
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Next East West Bancorp earnings date
Bank of America Financial Services Conference 202610 Feb, 2026
East West Bancorp
Next East West Bancorp earnings date
Bank of America Financial Services Conference 202610 Feb, 2026
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Frequently asked questions
East West Bancorp, Inc. operates as the bank holding company for East West Bank that provides a range of personal and commercial banking services. The company operates through four segments: Treasury Management Services, Commercial Lending Services, Consumer Lending Services and Leasing Services. The Treasury Management Services segment engages in deposit management, payment systems and cash management services. The Commercial Lending Services segment involves in the provision of investment banking services such as corporate finance, merger and acquisition advisory services; customer relationship management; project financing; equity issuance and investment sales; asset-based financing of leveraged finance and real estate transactions; capital markets transactions; debt issuance, trading and research services; treasury management services; monitoring of corporate cash flows and liquidity position; service fees generated from government agencies and public lending institutions; facilities leasing of banks, hotel at office buildings, commercial condominiums or shopping malls on long term basis, background financial data and loan product information processing system on web based platform for dealers to source for financing capital for their end customers' business loan application requirements with respect to obtaining non-recourse funding for various types of real estate projects. East West Bancorp is based in Pasadena, California.
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