EAST WEST BANCORP $EWBC Q3’26 EARNINGS HIGHLIGHTS 🔹 Total Revenue: $823M; +6% YoY 🔹 Adj. EPS: $2.76 (Est. $2.72) 🟢 🔹 GAAP EPS: $2.76; +4% YoY 🔹 Net Interest Income: $718.9M; +6% YoY 🔹 Net Income: $382M; +4% YoY Other Q3 Metrics: 🔹 Adj. Net Income: $382.0M (Est. $375M) 🟢 🔹 Income Before Taxes: $494.7M (Est. $485M) 🟢 🔹 Noninterest Income: $103.9M; +3% YoY 🔹 Total Fee Income: $93.5M; +2% YoY 🔹 Net Interest Margin: 3.49%; -4 bps YoY 🔹 Efficiency Ratio: 34.4% 🔹 Provision for Credit Losses: $45M 🔹 Net Charge-off Ratio: 0.15% 🔹 Total Loans: $59.7B; +7% YoY 🔹 Total Deposits: $71.5B; +7% YoY 🔹 Book Value/Share: $65.97 (Est. $68.98) 🔴 🔹 Tangible Book Value/Share: $62.55; +6% YoY 🔹 Return on Average Common Equity: 16.30% 🔹 CET1 Ratio: 15.41% Financials: 🔹 Total Assets: $86.0B; +8% YoY Capital Return: 🔹 Dividend: $0.80/share Key Updates: 🔹 Record revenue, net interest income, pre-tax pre-provision income, net income and diluted EPS 🔹 Noninterest-bearing demand deposits increased nearly 15% YoY 🔹 Allowance for loan losses: $865M, or 1.45% of loans HFI Comments: 🔸 “Revenue, net interest income, pre-tax pre-provision income (“PTPP”), net income, and diluted earnings per share all set new records.”