Q2 2025 East West Bancorp Inc Earnings Call Transcript
Key Points
- East West Bancorp Inc (EWBC) reported record quarterly revenue and net interest income for the second quarter of 2025.
- The company achieved a 16.7% adjusted return on tangible common equity and a 1.6% return on average assets.
- Asset quality remained resilient with decreases in both criticized and non-performing loans.
- East West Bancorp Inc (EWBC) was ranked as the number 1 performing bank above $50 billion in assets by Bank Director magazine for the third consecutive year.
- The company saw strong growth in non-interest bearing deposits and continued growth in interest-bearing checking, money market, and time deposit balances.
- Total non-interest income was $86 million, which was lower than the record set in the first quarter.
- The company recorded a net charge-off of 11 basis points in the second quarter, consistent with the first quarter.
- East West Bancorp Inc (EWBC) recorded a lower provision for credit losses of $45 million compared to $49 million in the first quarter.
- The effective tax rate for the second quarter was 22.9%, including a $6 million one-time expense related to California's tax changes.
- The company repurchased only 26,000 shares of common stock for approximately $2 million, indicating a cautious approach to buybacks.
Good afternoon. Welcome to the East West Bancorp's second-quarter 2025 earnings conference call.
(Operator Instructions) Please note this event is being recorded.
I would now like to turn the conference over to Adrienne Atkinson, Director of Investor Relations. Please go ahead.
Thank you, operator. Good afternoon and thank you, everyone, for joining us to review East West Bancorp's second-quarter 2025 financial results.
With me are Dominic Ng, Chairman and Chief Executive Officer; Chris Del Moral-Niles, Chief Financial Officer; and Irene Oh, Chief Risk Officer.
This call is being recorded and will be available for replay on our Investor Relations website. The slide deck referenced during this call is available on our Investor Relations site.
Management may make projections or other forward-looking statements which may differ materially from the actual results due to a number of risks and uncertainties. Management may discuss non-GAAP
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