Revenue: As of FY2026 Q2, the actual value is USD 791.14 M.

EPS: As of FY2026 Q2, the actual value is USD 2.63, beating the estimate of USD 2.6185.

EBIT: As of FY2026 Q2, the actual value is USD 467.52 M.

Financial Highlights (2Q26)

Net Income

• Net income for 2Q26 was $364 million.

Deposits

• End-of-period (EOP) deposits grew 8% year-over-year (Y-o-Y), reaching $68.7 billion.
• Total noninterest-bearing demand deposits (DDA) were up 19% Y-o-Y.
• Quarter-over-quarter (Q-o-Q) deposit growth (1Q26 to 2Q26) was $1,173 million.
• Noninterest-bearing Demand increased by $875 million Q-o-Q.
• IB Checking & Savings increased by $138 million Q-o-Q.
• Money Market increased by $127 million Q-o-Q.
• Time deposits increased by $33 million Q-o-Q.

Loans

• EOP loans grew 7% Y-o-Y, reaching $58.2 billion.
• Q-o-Q loan growth (1Q26 to 2Q26) was $853 million.
• Residential mortgage & other consumer increased by $309 million Q-o-Q.
• C&I increased by $307 million Q-o-Q.
• Multifamily increased by $122 million Q-o-Q.
• CRE (ex. Multifamily) increased by $115 million Q-o-Q.

Net Interest Margin (NIM)

• The Net Interest Margin (NIM) for 2Q26 was 3.43%.
• The end-of-period interest-bearing deposit cost was 2.76%.
• The end-of-period cost of deposits was 2.48% for 2Q26.

Fee Income

• Total fee income was $96 million, up 19% Y-o-Y.
• Deposit-related fees and lending fees collectively grew by $3 million Q-o-Q.
• Wealth management and customer derivative fees collectively decreased by $5 million Q-o-Q.
• Y-o-Y growth in Lending and Loan Servicing Fees was +81%.
• Y-o-Y growth in Wealth Management Fees was +18%.
• Y-o-Y growth in Customer Derivative Income was +9%.
• Y-o-Y growth in Commercial and Consumer Deposit-Related Fees was +9%.
• Foreign Exchange Income decreased by -48% Y-o-Y.

Operating Expenses and Efficiency

• Total operating noninterest expense was $268 million, an increase of $9 million Q-o-Q.
• The Efficiency Ratio for 2Q26 was 36.7%.
• The Operating Noninterest Expense / Average Assets Ratio was 1.29%.
• Y-o-Y growth rates for expense categories included: Compensation and Employee Benefits (+20%), Computer and Software Related Expenses (+19%), Occupancy and Equipment (+12%), and Deposit-Related Expenses (+4%).

Asset Quality

• Provision for credit losses was $33 million.
• Net charge-offs were $27 million, or 19 basis points (bps) annualized, with year-to-date net charge-offs at 14 bps annualized.
• Nonperforming assets (NPAs) were 29 bps, and NPAs / Total assets was 0.29%.
• The Allowance for Loan Losses (ALLL) was 1.43%, up $6 million Q-o-Q to $842 million.

Capital Position

• The Tangible Common Equity (TCE) ratio was 10.4%.
• Return on Average Common Equity (ROACE) was 16%, and Return on Average Tangible Common Equity (ROTCE) was 17%.
• Book value per share increased 13% Y-o-Y, and tangible book value per share increased 14% Y-o-Y.
• Regulatory capital ratios for 2Q26 were: Total Capital Ratio at 16.8%, CET1 Ratio at 15.4%, and Leverage Ratio at 11.0%.
• A 3Q26 dividend of $0.80 was declared.

Cash Flow

• Specific cash flow metrics are not directly detailed within the text of this Form 8-K.

Management Outlook: Full Year 2026

• East West Bancorp, Inc. (华美银行) expects EOP Loans to grow 6% to 8% Y-o-Y, an increase from previous guidance.
• Net Interest Income is projected to grow 7% to 9% Y-o-Y, also an increase from prior guidance.
• Total Operating Noninterest Expense is anticipated to grow 8% to 9% Y-o-Y, with Net Charge-offs expected between 15 bps to 25 bps, and an effective tax rate of 22% to 23%.