East West Bancorp (EWBC) investor relations material

Evolving U.S.–Asia-Pacific economic relationship

• Asia-Pacific continues to grow rapidly, with ongoing investment and trade flows between the region and the U.S., especially in consumer brands and education sectors.

• Cross-border banking remains strong, benefiting from limited competition and a unique value proposition.

• Clients from Asia increasingly seek U.S. market entry, supported by tailored banking services and relationship-driven support.

Client relationships and geographic strategy

• Early engagement with clients, including students and entrepreneurs, fosters long-term loyalty and organic growth.

• Expansion follows metropolitan areas with direct Asian connections, focusing on vibrant communities and cross-border opportunities.

• Ability to follow clients as supply chains shift across Asia-Pacific, adapting to geopolitical and tariff changes.

Technology adoption and AI outlook

• AI is seen as transformative but still in early stages for banking; focus is on practical applications like underwriting and compliance.

• Strategy is to be a fast adopter, not a pioneer, learning from others' experiences and prioritizing security.

• Technology investments are evaluated for their impact on customer relationships and productivity.