华美 2025年度报告

2025 Annual Report EveryConnectionMatters AboutEast WestBank With total assets of $80.4 billion, East West Bancorp, Inc.(Nasdaq: EWBC) is the publicly traded parent company ofEast West Bank, the largest independent bank headquarteredin Southern California. Founded in 1973 to serve the ChineseAmerican community, we have grown into a leading financialinstitution building meaningful connections for people andbusinesses across the United States and Asia. Built on the strength of relationships, we are dedicated tomeeting the varied financial needs of our customers. Withmore than 3,100 team members and over 110 locationsworldwide, we deliver a full range of personal andcommercial banking services, combining local insight withglobal expertise to help our clients achieve their goals. In 2025, we earned another round of industry acclaim. For thethird year in a row, we were recognized as the “No. 1 PerformingBank” in the $50 Billion and Above asset category byBankDirector, and we secured third place inAmerican Banker’sranking of “Top-Performing Banks.” We were also honored asone of “America’s Best Companies” byForbes, one of the “BestWorkplaces in Financial Services & Insurance” byFortune, oneof “America’s Top 100 Most Loved Workplaces” byThe WallStreet Journaland a “Best Company to Work For” byU.S. News& World Report. And we were named one ofARTnews’“145 TopArt World Professionals” in recognition of our conviction in thepower of art to spark conversation and connect people acrosscultures. Together, these accolades underscore our consistentperformance and our commitment to help the customers andcommunities we serve to reach further. As we look ahead, our priority remains nurturing relationshipsand creating new possibilities—guided by our belief that EveryConnection Matters. Our relationship-driven approach—building trust-based partnerships,understandingeach client’s uniqueneeds and deliveringtailored solutions—defines the East WestBank difference.” A Message from ourChairman & CEO Dear Fellow Shareholders, The year 2025 was defined by record-setting financial performance, collective resilience andindividual commitment. East West Bank delivered record results across every key financial metric including revenue, netinterest income, noninterest income, net income and earnings per share. For the third consecutiveyear,Bank Directorranked East West Bank as the best-performing bank in the $50 billion-and-above asset category, marking our fourth No. 1 ranking in five years. Our consistent success is rooted in steadfast adherence to performance, efficiency and agility,resulting in lasting impact for our customers, associates, partners and communities. East West Bank’s ability to remain nimble, disciplined and responsive allows us to manage riskthoughtfully, maximize efficiency, allocate capital prudently, and consistently deliver superiorservice. These strengths position us to support our clients effectively while navigating anincreasingly complex operating environment. Our continued growth is also a testament to the dedication of our associates and their unwaveringcommitment to putting customers and communities first. Our relationship-driven approach—building trust-based partnerships, understanding each client’s unique needs and deliveringtailored solutions—defines the East West Bank difference. We succeed when our clients prosper. Performance and Impact Behind our record financial results and industry recognitionare thousands of opportunities created for homeowners,entrepreneurs, business owners, artists and institutionalpartners, empowering them to reach further, pursue theirambitions and transform vision into reality. The five East West Bank customers featured here exemplifyour shared relationship-based mission, building bridges ofopportunity and prosperity that generate meaningful impactand measurable outcomes. EastWestBank in2025 East West Bank helpedNavigator Schoolsopen six newschools serving 6,600 additional students by providing flexiblefinancing to bridge state funding gaps and ensure classroomsare fully resourced. We supported thePasadena Playhousethrough foundation grants and upfront funding, sustaining itsprogramming and community reach for more than 100,000annual visitors. Our financial services enabled theColburnSchoolto connect with thousands of students and audiencemembers each year through hundreds of performances. ForGolden Star Technology, we created opportunities to engagewith other entrepreneurs and family-owned businesses,fostering a network for sharing experience and insight.Beyond banking, East West’s speed, cross-border expertiseand governance discipline helpedGray Cube Sportsexecutecomplex international transactions, deploying hundreds ofmillions of dollars across Europe and the Americas to financethe future of professional soccer. Record Revenue$2.9 Billion Record Loans$56.9 Billion Record Assets$80.4 Billion Reaching Further Together Perhaps most notable is that we achieve