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East West Bancorp (EWBC) investor relations material

East West Bancorp Barclays 23rd Annual Global Financial Services Conference summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Barclays 23rd Annual Global Financial Services Conference summary8 Sep, 2025

Business performance and outlook

  • Core deposit growth remains strong, driven by consumer and small business segments, supporting increased lending and investments.

  • Net interest income (NII) guidance was raised from over 7% to nearly 10% year-over-year, trending toward a $2.5 billion run rate.

  • Deposit inflows are primarily from a successful liquid CD program and small business initiatives, with cross-border business also contributing.

  • Margin dynamics benefit from lower CD pricing and asset sensitivity, with positive short-term NII outlook despite competitive loan markets.

  • Spreads are being maintained, especially in CRE, while CNI lending remains competitive but disciplined.

Growth strategy and capital deployment

  • Organic loan growth is targeted at 7–9% by 2026, with a focus on expanding in underpenetrated markets like Texas and New York.

  • Fee income is a strategic priority, with strong organic growth and plans to fill product gaps through acquisitions or partnerships.

  • Efficiency ratio may rise modestly as investments are made, but focus remains on delivering top quartile ROTCE.

  • Capital deployment prioritizes customer growth, with ongoing buybacks and a commitment to annual dividend increases.

  • Whole bank acquisitions are less attractive due to efficiency challenges; focus is on fee and wealth management opportunities.

Regulatory and operational environment

  • Regulatory tone has improved, with constructive dialogue and optimism for growth strategies.

  • Investments in cybersecurity, payments, and risk management are ongoing to support growth and regulatory readiness.

  • Internal team building is preferred over outsourcing for regulatory preparedness, aiming for cost efficiency.

  • A potential increase in regulatory asset thresholds would provide more flexibility but current investments will continue.

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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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