| --- | --- | |-----------------------------------------------------------|-------| | | | | | | | EWBC Earnings Results Third Quarter 2022 October 20, 2022 | | ANK Forward-Looking Statements Forward-Looking Statements This presentation contains forward-looking statements that are intended to be covered by the safe harbor for such statements provided by the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of the management of East West Banco ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, par value $0.001 per share EWBC The Nasdaq Global Select Market FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission ...

Financial Data and Key Metrics Changes - The company reported net income of $258 million and earnings per share of $1.81 for Q2 2022, with earnings per share growing 38% annualized from Q1 2022 [8] - Total revenue reached $551 million, growing 45% linked quarter annualized, including record net interest income of $473 million [8] - Adjusted pre-tax, pre-provision income grew 62% linked quarter annualized, with profitability ratios expanding, returning 1.7% on average assets, 18% on average equity, and 20% on average tangible equity [9][10] Business Line Data and Key Metrics Changes - The loan portfolio reached a record high of $46.5 billion, with average loans growing 24% linked quarter annualized [14] - C&I loans outstanding were $15.4 billion, increasing 15% annualized from Q1 2022, while total C&I commitments were $22 billion, up 20% annualized [19] - Total commercial real estate loans were $18.5 billion, up 37% annualized from Q1 2022, with strong growth in multifamily and industrial segments [21] - Residential mortgage loans totaled $12.5 billion, growing by 33% annualized from Q1 2022 [22] Market Data and Key Metrics Changes - Average non-interest-bearing demand deposits increased 8% linked quarter annualized, totaling 44% of average deposits for Q2 [12] - Total deposits were $54.3 billion as of June 30, 2022, with average total deposits growing 1% linked quarter annualized [16] Company Strategy and Development Direction - The company updated its loan growth outlook for the full year to a range of 16% to 18%, up from 13% to 15% previously, reflecting strong year-to-date performance [14][39] - The company is focused on maintaining a diversified loan portfolio and prudent risk management to navigate changing economic conditions [13] - The management emphasized a conservative approach to growth expectations in light of rising interest rates and potential economic uncertainty [15][49] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the company's position to navigate the current economic environment, highlighting strong capital and liquidity [44] - The management acknowledged potential slowdowns in loan growth due to rising interest rates impacting refinancing activities and consumer behavior [15][49] - The company expects to continue growing deposits, particularly in retail banking, despite potential volatility in commercial accounts [73][75] Other Important Information - The company repurchased $100 million of common stock during the quarter, reflecting a commitment to shareholder returns while maintaining a conservative approach [17][67] - The board declared a quarterly dividend of $0.40 per share, payable on August 15, 2022 [18] Q&A Session Summary Question: Loan growth outlook and potential slowdown - Management indicated that the guidance assumes a slowdown in the second half due to rising interest rates affecting refinancing and consumer activity [46][49] Question: Deposit beta assumptions and NII guidance - Management expects deposit beta to increase but remains confident in the stability of their retail banking deposit franchise [50][51] Question: Loan growth in China and expectations - Management reported strong performance in China despite recent lockdowns, with continued growth in diverse C&I business [56][59] Question: Efficiency ratio and investment decisions - Management stated that while they do not target a specific efficiency ratio, they remain disciplined in spending while making necessary investments [63][65] Question: Buyback strategy and market conditions - Management emphasized a prudent approach to buybacks, balancing shareholder returns with capital preservation amid economic uncertainty [67][69] Question: Deposit levels and potential risks - Management expressed confidence in the stability of retail deposits, while monitoring commercial accounts for potential volatility [73][75] Question: Guidance for overall deposit growth and loan-to-deposit ratio - Management expects deposits to grow for the year, with a comfortable loan-to-deposit ratio in the high 80s to low 90s [78][81]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, par value $0.001 per share EWBC The Nasdaq Global Select Market FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission ...

East West Bancorp, Inc. (NASDAQ:EWBC) Q1 2022 Earnings Conference Call April 21, 2022 11:30 AM ET Company Participants Julianna Balicka - Director of Investor Relations Dominic Ng - Chairman & Chief Executive Officer Irene Oh - Chief Financial Officer Conference Call Participants Ebrahim Poonawala - Bank of America Chris McGratty - KBW Dave Rochester - Compass Point Jared Shaw - Wells Fargo Casey Haire - Jefferies Brandon King - Truist Securities Vilas Abraham - UBS Gary Tenner - D.A. Davidson Matthew Clark ...

| --- | --- | |---------------------------------------------------------|-------| | | | | | | | EWBC Earnings Results First Quarter 2022 April 21, 2022 | | ANK Forward-Looking Statements Forward-Looking Statements This presentation contains forward-looking statements that are intended to be covered by the safe harbor for such statements provided by the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of the management of East West Bancorp, ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-24939 EAST WEST BANCORP, INC. (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of incorporation or o ...

Financial Performance - Net income for 4Q21 was $2178 million, and diluted EPS was $152[3] - Net income for 2021 was $873 million, and diluted EPS was $610[3] - Revenue for 4Q21 was $477 million, and for 2021 it was $18 billion[3] - Adjusted pre-tax, pre-provision income for 4Q21 was $251 million, with a profitability ratio of 191%[3] - Adjusted pre-tax, pre-provision income for 2021 was $979 million, with a profitability ratio of 194%[3] Balance Sheet - Total deposits as of 123121 were $534 billion[3,5] - Record loans as of 123121 were $417 billion[3,4] - Cash equivalents & ST investments decreased by $1059 million Q-o-Q[4] - Total assets decreased by $88 million Q-o-Q to $60871 billion[4] - Customer deposits decreased by $5 million Q-o-Q to $53351 billion[4] Asset Quality - Nonperforming assets decreased by 40% Q-o-Q to $1035 million, representing 017% of total assets[21] - Criticized loans decreased by 18% Q-o-Q to $833 million, representing 20% of loans[21]

East West Bancorp, Inc. (NASDAQ:EWBC) Q4 2021 Earnings Conference Call January 27, 2021 11:30 AM ET Company Participants Julianna Balicka - Head, IR Dominic Ng - Chairman, President & CEO Irene Oh - EVP & CFO Conference Call Participants Ebrahim Poonawala - Bank of America Chris McGratty - KBW Jared Shaw - Wells Fargo Securities Dave Rochester - Compass Point G. O’Hara - Jefferies. Brandon King - Truist Brock Vandervliet - UBS Gary Tenner - D.A. Davidson Matthew Clark - Piper Sandler Operator Good day, and ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, par value $0.001 per share EWBC The Nasdaq Global Select Market FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commis ...