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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.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Achieved record quarterly net income of $368 million and diluted EPS of $2.65 in Q3 2025, with record revenue of $778 million and net interest income of $678 million, driven by strong deposit and loan growth.
Customer deposits grew by over $1.5 billion quarter-over-quarter, and end-of-period loans increased by $800 million, with total deposits reaching $66.6 billion.
Maintained strong capital and liquidity, with tangible common equity ratio at 10.2%, CET1 ratio at 14.8%, and 26% of assets in cash and securities.
Asset quality remained resilient, with low net charge-offs and non-performing assets, and a slight increase in allowance for loan losses due to economic uncertainty.
Declared a $0.60 dividend for Q4 2025 and repurchased $25 million in shares during Q3 2025, with $216 million buyback authorization remaining.
Financial highlights
Net interest income reached a record $678 million, up 10% quarter-over-quarter and 18% year-over-year, with net interest margin at 3.53%.
Fee income hit $101 million, up 17% quarter-over-quarter and 19% year-over-year, led by wealth management, derivatives, and FX income.
Operating expenses were $277 million, including a $27 million one-time compensation charge due to a change in equity award recognition.
Efficiency ratio was 35.6%, with adjusted efficiency ratio at 33.8%.
Book value per share rose to $62.39, and tangible book value per share to $58.97, both up over 5% quarter-over-quarter.
Outlook and guidance
Full-year 2025 net interest income and total revenue expected to exceed 10% growth, with loan growth projected at 4–6% year-over-year.
Net charge-offs anticipated in the range of 10–20 basis points, lower than prior guidance.
Operating noninterest expense expected to grow 7–9% year-over-year.
Management remains cautious on the economic outlook due to inflation, high interest rates, and global trade tensions.
No 2026 guidance provided due to economic uncertainty.
Detail the economic forecast changes impacting ALLL.
NIM sustainability excluding one-off items?
Impact of equity award change on future expenses?
Explain NII/NIM impact of future Fed rate cuts?
Progress on new FX platform and payments?
Time deposit repricing strategy for Q1 2026?
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Next East West Bancorp earnings date
Q4 202523 Jan, 2026
Next East West Bancorp earnings date
Q4 202523 Jan, 2026
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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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