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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.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.
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