Q2 2026 East West Bancorp Inc Earnings Call Transcript
Key Points
- East West Bancorp Inc (EWBC) reported record total revenue, net interest income, and non-interest income for the second quarter of 2026.
- End-of-period deposits grew by 8% year over year, with demand deposits accounting for more than two-thirds of the increase.
- The company achieved a 19% increase in non-interest-bearing deposits year over year.
- Credit quality remains strong with stable non-performing assets, criticized loans, and net charge-off levels.
- East West Bancorp Inc (EWBC) has a robust capital position with a tangible common equity ratio over 10% and a 17% return on it.
- There was a slight uptick in non-performing assets, increasing by 3 basis points to 29 basis points as of June 30, 2026.
- Net charge-offs increased to 19 basis points in the second quarter, compared to 9 basis points in the first quarter.
- The company recorded a provision for credit losses of $33 million in the second quarter, slightly down from $36 million in the first quarter.
- There is some marginal compression on loan yields, partly due to mix-driven factors and one-time accretion benefits.
- The company faces competition in deposit pricing, particularly with CDs, which may impact future deposit costs.
Good day, and welcome to East West Bankcorp's second quarter 2026 earnings 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 2026 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 reference 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 financial measures. For a more detailed
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