INVESTOR PRESENTATION May 2017 Safe Harbor Statement This - PowerPoint PPT Presentation

First Quarter 2017 INVESTOR PRESENTATION May 2017

Safe Harbor Statement This presentation may include forward-looking statements that involve inherent risks and uncertainties. East West Bancorp, Inc. cautions readers that a number of important factors could cause actual results to differ materially from those in any forward-looking statements. These factors include economic conditions and competition in the geographic and business areas in which East West Bancorp and its subsidiaries operate, inflation or deflation, fluctuation in interest rates, legislation and governmental regulations, investigation of acquired banks and other factors discussed in the Company’s filings with the SEC. 2

East West Profile East West Bank is the largest independent bank based in Los Angeles, CA. With $35 billion in total assets, 44 years of operating history, and 2,900 associates, East West Bank is the leading bank serving the Asian community in the U.S. 130 + LOCATIONS UNITED STATES GREATER CHINA THROUGHOUT 120 + Locations 10 Locations Across 60+ cities in 10 metropolitan areas 5 Full-service branches 5 Representative offices 89 U.S. branches in California Shenzhen Shantou Las Vegas Seattle Shanghai & Beijing Shanghai FTZ San Francisco Houston Chongqing Taipei Atlanta Dallas Los Angeles New York Boston San Diego Xiamen Guangzhou Hong Kong 3

East West Bank Milestones The Going Size Expansion in Today Beginning Public Doubles TX and CA 1973 1999 2009 2014 2016 First EWB Branch EWBC begins Acquired $10 billion Presence expanded Net income: opens for business. to trade on United Commercial in TX and CA with $432 million First S&L bank serving Nasdaq. Bank and doubled acquisition of and assets of the Asian American asset size to over $2 billion in assets $35 billion. market in Southern $20 billion. MetroCorp. California. Acquired China Opened new banking license. branches in Shanghai FTZ and Shenzhen. 1980s 1991 1995 1998 2005 2007 Branch network Assets Converted Initiated Annual net First full-service expanded in CA. exceed to state management- income branch in Greater $1 billion. chartered led buyout. exceeds China opened in commercial $100 million. Hong Kong. Bank. 4

East West Bank’s Advantage BRIDGE THE U.S. THE CHINA VALUE FOR BANKING FACTOR FACTOR CUSTOMERS EXPERTISE  Largest U.S. bank serving  China is the 2 nd largest  Knowledge and  Help navigate complicated the Asian community. world economy. experience in: business transactions.  Culture  Among the top 30 largest  Foreign direct investment in  Geography  Broaden opportunities with public banks.  Economics the U.S. continues to rise. our partners and resources.  Business practices  Bank of choice for new  Cross-border trade between  Customized solutions meet Chinese-American  Well-connected with U.S. and Greater China the unique financial needs immigrants. companies is strong. business leaders and across various industries. service professionals.  Ranked by Forbes as top  EWB is 1 of 3 U.S. banks  Beyond banking approach 15 of America’s best  Cross-border products with a banking license in helps customers assimilate banks since 2010. China. and services. seamlessly into a new country.  10 locations in Greater  Long-term relationship China. building. 5

Bank Rankings by Total Assets and Market Cap Rank Total Assets (as of 03.31.17) Ticker $ Billion Rank Market Cap (as of 05.01.17) Ticker $ Billion 1 JPMorgan Chase & Co. JPM 2,546.3 1 JPMorgan Chase & Co. JPM 309.3 2 Bank of America Corporation BAC 2,247.7 2 Wells Fargo & Company WFC 272.1 3 Wells Fargo & Company WFC 1,951.6 3 Bank of America Corporation BAC 235.5 4 Citigroup Inc. C 1,821.6 4 Citigroup Inc. C 163.7 5 U.S. Bancorp USB 449.5 5 U.S. Bancorp USB 87.5 6 PNC Financial Services Group, Inc. PNC 370.9 6 PNC Financial Services Group, Inc. PNC 58.8 7 Capital One Financial Corporation COF 348.5 7 Bank of New York Mellon Corporation BK 49.1 8 Bank of New York Mellon Corporation BK 337.5 8 Capital One Financial Corporation COF 39.4 9 State Street Corporation STT 236.8 9 BB&T Corporation BBT 35.4 10 BB&T Corporation BBT 220.5 10 State Street Corporation STT 31.6 11 SunTrust Banks, Inc. STI 205.6 11 SunTrust Banks, Inc. STI 28.0 12 Citizens Financial Group, Inc. CFG 150.3 12 M&T Bank Corporation MTB 24.1 13 Fifth Third Bancorp FITB 140.2 13 Northern Trust Corporation NTRS 20.7 14 KeyCorp KEY 134.5 14 KeyCorp KEY 20.4 15 Regions Financial Corporation RF 124.5 15 Citizens Financial Group, Inc. CFG 18.9 16 M&T Bank Corporation MTB 123.2 16 Fifth Third Bancorp FITB 18.6 17 Northern Trust Corporation NTRS 121.5 17 Regions Financial Corporation RF 16.7 18 Huntington Bancshares Incorporated HBAN 100.0 18 First Republic Bank FRC 14.7 19 First Republic Bank FRC 76.5 19 Huntington Bancshares Incorporated HBAN 14.2 20 Comerica Incorporated CMA 73.0 20 Comerica Incorporated CMA 12.6 21 Zions Bancorporation ZION 65.5 21 SVB Financial Group SIVB 9.5 22 SVB Financial Group SIVB 46.4 22 Zions Bancorporation ZION 8.2 23 People's United Financial, Inc. PBCT 40.3 23 East West Bancorp, Inc. EWBC 8.0 24 Signature Bank SBNY 40.3 24 Signature Bank SBNY 7.7 25 Popular, Inc. BPOP 40.3 25 PacWest Bancorp PACW 6.1 26 East West Bancorp, Inc. EWBC 35.3 26 Cullen/Frost Bankers, Inc. CFR 6.1 27 First Citizens BancShares, Inc. FCNCA 34.0 27 People's United Financial, Inc. PBCT 6.0 28 BOK Financial Corporation BOKF 32.6 28 Commerce Bancshares, Inc. CBSH 5.6 29 Synovus Financial Corp. SNV 30.7 29 BOK Financial Corporation BOKF 5.5 30 Cullen/Frost Bankers, Inc. CFR 30.5 30 Synovus Financial Corp. SNV 5.2 Source: S&P Global Market Intelligence. 6

Strong Balance Sheet Growth ($ in billions) Total Assets Stockholders' Equity Total Deposits Total Loans * CAGR from December 31, 2007 – March 31, 2017. 7

Strong Earnings Growth Net Earnings ($ in millions) $432 $385 $346 $293 $278 +12% $243 +19% +11% +18% $170 $165 y-o-y +6% +14% (oper.*) $42 $77 $128 2009 2010 2011 2012 2013 2014 2015 2016 1Q17* Net Earnings Gain on sale of building UCBH Diluted EPS acquisition $2.97 Nov. 2009 $2.66 doubles $2.41 bank size $2.09 +12% $1.87 +11% $1.58 +19% +15% $1.16 y-o-y +12% +18% $0.83 (oper.*) $0.28 $0.33 $0.88 2009 2010 2011 2012 2013 2014 2015 2016 1Q17* Diluted EPS Gain on sale of building * 1Q17 comprised of operating earnings and gain on sale of commercial property. See reconciliation of GAAP to non- GAAP financials in the Company’s 1Q17 earnings release. 8

Steadily Growing Equity While Maintaining Robust TCE Tangible Equity per Share $21.20 $20.27 $18.15 $16.30 +5% $14.39 $13.58 +12% $12.22 +11% $10.87 +13% +6% $7.75 +11% 2009 2010 2011 2012 2013 2014 2015 2016 1Q17 UCBH acquisition Tangible Equity to Tangible Assets Ratio Nov. 2009 doubles 10.00% 8.79% 8.71% bank size 8.60% 8.52% 8.46% 9.00% 8.29% 8.20% 7.96% 8.00% +14 bps +11 bps (42) bps (9) bps +32 bps +27 bps 7.00% 5.65% 6.00% 5.00% 4.00% 3.00% 2009 2010 2011 2012 2013 2014 2015 2016 1Q17 9

Outperforming Peers on Key Profitability Metrics Return on Average Assets Return on Average Equity 10% 14.9% 1.49% 1% 13.1% 12.7% 1.30% 1.27% 8.9% 1.06% 2015 Full- 2016 Full- 2017 First 2016 Industry 2015 Full- 2016 Full- 2017 First 2016 Industry Year Year Quarter Average Year Year Quarter Average (adjusted*) (adjusted*) Adjusted* Pre-tax, Pre-provision Adjusted* Efficiency Ratio Profitability Ratio 50% 2% 56.0% 2.18% 44.2% 43.3% 41.8% 2.09% 2.04% 1.89% 2015 Full- 2016 Full- 2017 First 2016 Industry 2015 Full- 2016 Full- 2017 First 2016 Industry Year Year Quarter Average Year Year Quarter Average (adjusted*) (adjusted*) Note: Industry average based on FDIC’s 4Q16 Quarterly Banking Profile for FDIC insured banks with asset size $10bn to $250bn. Source: FDIC and S&P Global Market Intelligence. * See reconciliation of GAAP to non- GAAP financials in the Company’s Earnings Press Releases . 1Q17 results exclude the impact from gain on sale of commercial property. 10