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East West Bancorp (EWBC) investor relations material
East West Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Achieved record quarterly net income of $368 million and diluted EPS of $2.65 for Q3 2025, with record revenue of $778 million, net interest income (NII) of $678 million, and deposits reaching new highs, fully funding loan growth.
Fee income, including wealth management, FX, and derivatives, grew both quarter-over-quarter and year-over-year, reaching a record $101 million, up 17% from the prior quarter.
Asset quality remained strong and resilient, with a slight increase in allowance for loan losses due to economic uncertainty.
Maintained strong liquidity, with 26% of assets in cash and securities, and paid down $500 million in FHLB advances.
Declared a $0.60 dividend for Q4 2025 and repurchased $25 million in shares during Q3 2025; $216 million remains authorized for buybacks.
Financial highlights
Deposits grew by over $1.5 billion in Q3, with non-interest-bearing deposits up 8% year-over-year and time deposits up 17%.
Loan growth was steady, with over $800 million in new fundings, led by commercial real estate and resilient residential mortgage demand; total loans reached $55.8 billion.
Net interest income reached a record $678 million, with adjusted NII (excluding $32 million in one-time recoveries) at $645 million.
Fee income hit $92 million, up 13% year-over-year and 14% quarter-over-quarter; wealth management fees up 36%.
Operating expenses were $261 million, including a $27 million one-time compensation charge; efficiency ratio improved to 35.6%.
Outlook and guidance
Full-year NII and revenue expected to grow better than 10%, incorporating two additional Fed rate cuts in Q4.
FY25 end-of-period loans expected to grow 4–6% year-over-year; noninterest expense expected to grow 7–9%.
Full-year net charge-offs now expected in the range of 10–20 basis points, improved from prior guidance; effective tax rate around 23%.
Continued deposit growth anticipated in Q4, with a stable DDA mix around 25% of new deposits.
Management highlighted strong capital, liquidity, and reserves, positioning the company to capitalize on future opportunities despite 2026 economic uncertainty.
Detail the economic forecast changes impacting ALLL.
NIM sustainability excluding one-off items?
Impact of equity award change on future expenses?
Explain NII/NIM impact of future Fed rate cuts?
Progress on new FX platform and payments?
Time deposit repricing strategy for Q1 2026?
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Next East West Bancorp earnings date
Q4 202523 Jan, 2026
Next East West Bancorp earnings date
Q4 202523 Jan, 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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