East West Bancorp (EWBC) investor relations material

Business profile and strategy

• Market capitalization was $18B as of Oct. 26, 2026; assets were $86B and deposits $71B as of Sept. 30, 2026.

• Evolved from a Southern California-focused bank into a full-service regional commercial bank serving customers in five of the eight largest U.S. state economies.

• Strategy centers on cross-border expertise, targeted scale, in-market infrastructure and relationship-led U.S.–Asia Pacific service.

• 2026+ priorities include C&I growth in aerospace, charter schools and ESOPs; wealth expansion; granular high-quality deposits; serving existing CRE clients; and top-quartile returns and best-in-class efficiency.

Cross-border strategy and market opportunity

• U.S. goods imports and world trade were described as at all-time highs despite tariff headlines; suppliers embedded in major U.S. retail networks continue serving price-conscious consumers.

• Global trade reached 68.5% of world GDP in 2025, up from 55.8% in 2015; U.S. imports of goods and services rose to $4.36T from $3.09T.

• Fewer than a dozen banks were described as having consequential cross-border market presence; established U.S. offices and local engagement serve importers, retailers and distributors.

• Focus is inward U.S. business from the next 10,000 overseas prospects, not the largest multinationals; core markets include Seattle, the Bay Area, Texas, the East Coast and California, with operations in Hong Kong, Shanghai and Singapore.

• Branch-market median educational attainment was 50% with a bachelor’s degree or higher vs. 36% U.S.-wide; median household income was $105K vs. $81K. U.S. residents of Chinese descent grew from 1.6M in 1990 to 5.7M in 2020, with 3.3% annual growth projected through 2030.

Payments and fee growth

• Investments enabled direct connections to essentially the entire Hong Kong banking market; a similar cross-border payment solution has rolled out for mainland China clients.

• Mainland China payment capabilities are expected to support FX transactions, with fee contribution expected in Q4 and to build further in 2027.

• Hong Kong activity drove commercial deposit fee growth approaching double digits; positive momentum is expected into 2027, while non-interest income outlook was not quantified.

• About 95% of the balance sheet is in the U.S.; cross-border payments support commercial deposit fees and FX activity.