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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, driven by strong deposit and loan growth.
Customer deposits grew by over $1.5 billion quarter-over-quarter, and end-of-period loans increased by $800 million.
Maintained strong liquidity, with 26% of assets in cash and securities, and paid down $500 million in FHLB advances.
Asset quality remained resilient, with a slight increase in allowance for loan losses due to economic uncertainty.
Declared a $0.60 dividend for Q4 2025 and repurchased $25 million in shares during Q3 2025.
Financial highlights
Net interest income reached $678 million, up 10% quarter-over-quarter and 18% year-over-year; net interest margin rose to 3.53%.
Record fee income of $101 million, up 17% quarter-over-quarter and 19% year-over-year, led by wealth management, derivatives, and FX.
Total operating expenses were $277 million, including a $27 million one-time compensation charge.
Efficiency ratio improved to 35.6% from 36.4% in the prior quarter.
Book value per share rose to $62.39, and tangible book value per share to $58.97, both up over 5% quarter-over-quarter.
Outlook and guidance
Full-year net interest income and revenue expected to grow more than 10%.
FY25 end-of-period loans expected to grow 4–6% year-over-year.
Net charge-offs anticipated in the range of 10–20 basis points; effective tax rate around 23%.
Expect continued deposit growth in Q4 and steady residential and consumer lending.
Management remains cautious on the economic outlook amid inflation, high rates, and regulatory changes.
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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