Dream. East West Banking Corporation EastWest Corporate Center The Beaufort, 5th Avenue corner 23rd Street, 1634 Metro ,

Customer Service Hotline (632) 888-1700 Live. www.eastwestbanker.com twitter.com/eastwestbanker facebook.com/eastwestbanker Achieve.

2016 ANNUAL REPORT

EWBC 2016 AR Front and Back Covers only.indd 2 6/15/17 12:09 PM Contents Vision To be a world-class bank anchored on service excellence in our chosen markets 01 Vision & Mission 02 About EastWest Bank 03 At a Glance Mission 04 Financial Highlights Dream. To create value: 06 Message from the Chairman For our chosen markets, by providing them with excellent service in the delivery of 10 The Vice Chairman & CEO Speaks integrated and innovative products, responsive to their current and future financial 14 Operational Highlights Live. needs, at the best value. 21 Customer Focus For our employees, by continuously providing them with opportunities to develop Helping innovators live their dream their full potential and by giving recognition and rewards commensurate to their Driving aspirations contribution. A time to build An entrepreneur’s dream comes true For our community, by committing ourselves to improving the quality of life of Achieve. those around us through the support for various charities and involvement in A luxurious friendship Given the right opportunity, the means, and outreach activities. 26 Our People & the Community the tools, people with the will to succeed can be successful. At EastWest, your dream is our For our regulators, by uncompromisingly adhering to the highest standards of 28 Consumer Protection focus. We are committed to help you succeed business ethics and corporate governance. 30 Risk Management in life and in business by providing you the financial products and services, expert advice, For our shareholders, by managing the bank professionally and prudently to 34 Corporate Governance and financing support you need. consistently achieve optimal possible returns. 44 Board of Directors Now, more than ever, we are in a better position 48 Senior Management to make your dreams happen. So dream and 52 Senior Officers pursue your dreams while you live your life to the fullest. Imagine the possibilities. Grab the 53 Organizational Chart opportunities. EastWest is here to help you 54 Subsidiaries & Affiliate achieve your full potential. 58 Products & Services 60 EastWest Store Network 75 EastWest Rural Bank Store Network 78 Off-site ATM Network 84 Audited Financial Statements 201 Shareholder Information

EASTWEST BANK Dream. Live. Achieve. [ 1 ]

EWBC 2016 AR June 7.indd 2 6/15/17 11:30 AM EWBC 2016 AR June 7.indd 1 6/15/17 11:31 AM About EastWest Bank At a Glance

1994 Brand Pillars • Started commercial banking operations East West • Insightful expertise directed towards your priorities 2003 Banking Corporation • Acquired Ecology Savings Bank, Inc. (EastWest) is one • Dedication to making banking easier for you of the largest 2009 universal banks in the • Entrepreneurial spirit to realize our collective best potential • Acquired AIG PhilAm Savings Bank Philippines today. We 2011 cater to the financial Handover of the universal • Acquired Green Bank of , Inc. banking license needs of consumers, • Received universal banking license from BSP middle market corporates, and 2012 the mass affluent. • Awarded Best in the Philippines by the Global Banking & Finance Review • Held an initial public offering — the first by a Philippine As of end-December 2016, bank in eight years 6,664 EastWestbankers and • Acquired Finman Rural Bank, Inc. EastWestRuralbankers comprised • Went on an aggressive store expansion, opened 123 stores our workforce. We have a 2013 combined network of 445 stores • Earned 5 distinctions at the Visa Performance Awards and 580 ATMs nationwide, Bell ringing ceremony at the PSE • Ranked among the world’s Top 1,000 Banks by The Banker for EastWest Bank’s IPO complemented with EastWest • Launched EastWest Travel Money, Southeast Asia’s first Online and our 24-hour multi-currency prepaid card Customer Service. 2014 Since 2012, EastWest has been • Named as one of the Top 10 Strongest Banks in the Philippines by The Asian Banker trading under the symbol ‘EW’ in • Upgraded its core banking system to Temenos T24 the Philippine Stock Exchange, • Surpassed the 350-store target by opening 58 more stores, allowing the public to participate bringing the total number of stores to 405 in our success. Service Pillars 2015 EastWest is a subsidiary • Raised PhP8 billion from its Stock Rights Offering Personable • Entered into a bancassurance joint venture with Belgium’s leading of Development Warm and positive attitude, genuine insurer, Ageas, to form East West Ageas Life Corporation Corporation (FDC), one of the sentiment, and personal concern for the • Registered and started operations of East West Insurance Awards ceremony for the Asian Banker’s country’s leading conglomerates customer’s well-being and business affairs Brokerage, Inc. Best Consumer Finance Product with a diverse range of interests • Received 3 awards from VISA: Highest Debit Payment Dependable from real estate, banking, sugar, Volume Growth, Highest Consumer Credit Cards Growth, Dedicated to making banking as easy as hospitality/tourism to power Highest Consumer Credit Payment Growth possible for the customer — taking the effort • Awarded Best Growth Achievement at the 23rd Asian Cards generation. away whenever we can but with professional User Conference regard for due process For more information, go to: 2016 www.eastwestbanker.com Proactive • Registered East West Leasing and Finance Corporation Actively listening, offering the right • Registered and started operations of East West Ageas Life information at the right time, considering Insurance Corporation (operating under the name Troo) what the customer needs with thoughtful • Awarded Best Consumer Finance Product for Personal cross-selling Loans by The Asian Banker • Garnered Highest Debit Payment Volume Growth and WillyCompletion Tee Ten in ofa Rolls-Roycethe retail transfer agreement with Dawn convertible Highest Prepaid Cards Growth awards from Visa Bank Philippines • Acquired the business of Standard Chartered Bank Philippines

[ 2 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 3 ]

EWBC 2016 AR June 7.indd 2 6/15/17 11:31 AM EWBC 2016 AR June 7.indd 3 6/15/17 11:32 AM Financial Highlights

Five years ago, we boldly made substantial investments in people, technology, and our store network, with the optimism and resolve to reap the fruits eventually. EastWest’s brave ascent Key Performance Indicators brings us to PhP3.4 billion in net income in 2016 — 70% higher than in 2015 — and 2016 2015 PhP291.8 billion in assets. This strength has given us more confidence to help you meet your Profitability (In millions PhP) financial needs and fulfill your dreams. Total Net Interest Income 15,399 12,340 Non-Interest Income 6,533 4,005 11,741 9,754 Net Income Assets Total Non-Interest Expenses 10,191 6,591 In billion PhP In billion PhP Pre-Provision Profit 3.408 291.818 Provision for Probable Losses 5,692 3,899 Net Income 3,408 2,004 2.073 2.004 2.056 232.856 188.263 Selected Balance Sheet Data (In millions PhP) 1.816 142.299 121.403 Liquid Assets 76,838 65,072 Gross Loans 201,798 1 5 7,0 1 0 Total Assets 291,818 232,856 Deposits 240,222 184,144 Total Equity 34,449 31,403

2012 2013 2014 2015 2016 2012 2013 2014 2015 2016

Selected Ratios (In %) Loans Deposits In billion PhP 201.798 In billion PhP 240.222 Return on Equity 10.38 7.24 Return on Assets 1.32 0.99 Net Interest Margin 7.7 5 8.00 184.144 1 5 7. 0 1 0 CET 1 Capital Ratio 10.39 12.41 147.687 Capital Adequacy Ratio 13.28 15.59 122.132

95.635 111.176 91.209 72.3 85 Per common share data (In PhP) Net Income Per Share: Basic 2.27 1.44 Diluted 2.27 1.44 2012 2013 2014 2015 2016 2012 2013 2014 2015 2016 Book Value 22.97 20.94

Capital Store Network Others 34.4 445 In billion PhP 433 Cash Dividends Declared (In millions PhP) 400 — 31.4 405 Headcount 6,664 6,073 347 Officers 2,695 2,464 Staff 3,969 3,609 21.4 19.4 292 1 7.3

2012 2013 2014 2015 2016 2012 2013 2014 2015 2016

[ 4 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 5 ]

EWBC 2016 AR June 7.indd 4 6/15/17 11:32 AM EWBC 2016 AR June 7.indd 5 6/15/17 11:32 AM Message from the Chairman

The road to a dream “Now, more Nearly a decade after the 2008 global financial crisis that mired many than ever, we companies in debt, the dream of a strong recovery still eludes many nations. can see clearly

In 2016, the sources of uncertainty came in many forms: from market uncertainty due to the the shape of a greater volatility of capital flows; to changes in political leadership across nations; to growing geopolitical tension in the world that makes outward-looking markets like ours vulnerable profitable bank to external shocks. The constantly changing regulatory environment also continued to be challenging for monetary policy making and for banks. that serves its Amid these uncertainties, the Philippine economy continued to be resilient. Inflows mainly from overseas Filipino workers and business process outsourcing drove up consumption and customers and investments in sectors such as real estate, banking, technology, and infrastructure. As a result, the country’s GDP rose by 6.8% in 2016, eclipsing Asia’s fastest economies, China and Vietnam. communities well.” Set against this roller-coaster backdrop, our strategy at EastWest Bank remains consistent. Our vision is to become a world-class bank anchored on service excellence in our chosen markets.

Thus, our prime focus through this uncertain period has been and will continue to be, to provide exceptional to our customers and help them achieve their dreams for themselves and their families.

This customer-centric focus has enabled us to rise above the political noise and economic uncertainty. EastWest Bank’s net income rose to PhP3.4 billion in 2016, a 70% increase from the previous year. This progress reflects stronger growth in our share of the consumer lending market, particularly in our auto loans business, which registered a phenomenal year-on-year growth of 59% in 2016. It shows, too, that the huge investment we made in store expansion is beginning to pay off.

Growing as planned Now, more than ever, we can see clearly the shape of a profitable bank that serves its customers and communities well. If at all, the challenging external environment has only heightened our resolve to take all the necessary steps to become not only an efficient bank but also a more effective bank for our customers.

[ 6 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 7 ]

EWBC 2016 AR June 7.indd 6 6/15/17 11:32 AM EWBC 2016 AR June 7.indd 7 6/15/17 11:34 AM Message from the Chairman

We started out in 1994 as a relatively small player in an industry that was already dominated for Every employee must be an EastWest brand ambassador. Thus, decades by the major banks. So there was a need for us to do things differently. one of our biggest tasks is to put in place the right people who “Every employee would have the competencies and attitude to differentiate the The first phase, from 2007 to 2011, was “Laying the Foundation”, during which time, we laid the Bank in terms of customer service. must be an groundwork and the infrastructure for stronger and sustainable operations through developing capabilities in consumer banking, mid-sized commercial lending and in the financial markets. We reinforced our Moving ahead EastWest brand executive team and started to expand the store network and the organization. It is clear that we have real challenges ahead to fully realize our potential—challenges we created for ourselves and those ambassador. 2016 was the last year of the second phase of our strategic plan dubbed, “Expansion to Significance”, produced by a difficult external environment. But if there is one which called for the aggressive expansion of our nationwide footprint to build the scale necessary to be important thing that 2016 taught us well, it is the realization that Thus, one of able to compete more effectively. we can do it if we will it. our biggest We embarked on an IPO and strategic acquisitions. To attain economies of scale, we built almost 300 We must continue to aspire for a good and valuable franchise, stores in four years. We stepped up our cost-rationalization program, raised even more capital, managed core financial strength, outstanding client relationships, and the tasks is to put in risk exposures, and maintained an acute focus on returns. right team of people. While we have made substantial strides in securing EastWest Bank’s foundations, there is still a long road to place the right While we have started to harvest the fruits of our audacious store expansion program, we have yet to travel before we reach our dream destination: to become a major optimize what we have built— so there is much work to do in 2017 and beyond. In the next phase of our player in the Philippine banking industry. people who growth strategy, which we call “Realizing Full Potential,” our focus is to leverage our stronger foundation and maximize our capabilities to become more customer-focused, and continue to invest in our people Our Board of Directors and our senior management team are would have the and in process, product, and service enhancements so that our customers will have a simpler, easier, committed to demonstrating real discipline in execution and are and better experience when they bank with us. single-mindedly focused on delivering value for our shareholders. competencies

Thinking differently Thank you for your trust. At EastWest Bank, your dream is our and attitude to As traditional bank products and services are mainly similar, we must always challenge ourselves: focus. “Why should people come to EastWest?” differentiate the

In 2016, we expanded into other allied business segments that would enable us to offer a complete Bank in terms range of products and services to our customers and diversify our income sources. In addition to bancassurance and non-life insurance in 2016, we have secured the regulatory nod for our leasing of customer business as well as acquired the retail banking business of Standard Chartered Bank Philippines (SCB PH). service.”

We expect the SCB PH retail business to further increase our market share in credit cards, personal JONATHAN T. GOTIANUN loans, and retail deposits and to provide a stronger foothold for our business. Chairman

This fuller menu of products and services will further push our people to deliver the Bank’s brand promise of fulfilling the financial dreams of our customers.

With our aggressive store expansion, we now have an organization that is almost 6,700-strong.

[ 8 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 9 ]

EWBC 2016 AR June 7.indd 8 6/15/17 11:34 AM EWBC 2016 AR June 7.indd 9 6/15/17 11:34 AM The Vice Chairman & CEO Speaks

“ButLorem beyond ipsum Poised to live the dream ourdolor heftier sit amet, consectetur More than six years since it set an audacious goal to emerge as a significant bottom line, adipiscing elit. player in the Philippine banking industry, EastWest Bank has already put up what made us 445 stores nationwide, raised PhP5 billion from its initial public offering, Pellentesque eu offered PhP8 billion in stock rights, and has grown into a 6,664-strong happyaliquam about quam, organization. 2016in tristique is that velit. Beyond the numbers, however, is a gripping story. It is a story of a bank, when personified, could very well Suspendisse make for an inspiring epic of a David who dreamed with a big heart, fighting against the local banking our ‘expansion industry’s Goliaths, and striving to rise to relevance. finibus nisi vel ultricies mattis. This story, however, has no triumphant end — at least not yet. In 2016, it seemed like the battle was far to significance’ from over. It was not an easy year for the domestic and global markets. Economic and political headwinds Ut vel interdum conspired to make it a challenging backdrop for industry players. that started quam. Aenean Antonio C. Moncupa Jr., however, is no stranger to a battlefield fraught with challenge and change. In this interview, the Vice Chairman and CEO of one of the country’s fastest-growing banks talks about how he inac 2012 leo imperdiet, continues to rally his entire troop behind a singular goal: to deliver the best customer experience in the pharetra risus industry to differentiate EastWest Bank (EW). is moving accordingquis, finibus to Many felt 2016 was the worst year for business, and that they could not wait for it to end. How did arcu. Maecenas EastWest Bank manage to ride out the storm? script.”hendrerit at mi On the contrary, we believe that 2016 was a good year for business. Against the backdrop of widespread uncertainty and volatility in the international financial markets, the country did well, registering a 6.8% GDP growth rate, one of the highest in the world. For EW, it was our best in the last five years. EW managed to benefit from the economic growth. We grew 25% to PhP292 billion, and posted a 70% growth in net profits to PhP3.4 billion in 2016.

If I may bore you with more numbers, our core recurring income, income ex trading and one-offs, was up by 25%. We sustained our industry-leading net interest margin of 7.7% as EW remained the most consumer-focused universal bank with 68% of loan portfolio in consumer loans. Consumer loans comes with high credit losses. But even after taking that into account, net interest margin is at 4.9%, conclusively still the highest in the industry.

Net revenues grew by 34% to PhP21.9 billion. Other operating income, exclusive of trading gains, increased by 55% to PhP5.6 billion.

Our story line is moving according to script. I am happy to share that we believe we are past the most painful part of the expansion program. We expect further improvement in operating results in the coming years.

To what would you attribute your initial success? Can you share with us how you went about it?

I’ve said this before and I like saying this again – success is always a collective effort.

[ 10 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 11 ]

EWBC 2016 AR June 7.indd 10 6/15/17 11:34 AM EWBC 2016 AR June 7.indd 11 6/15/17 11:35 AM The Vice Chairman & CEO Speaks

We are convinced EW has a clear idea of what it is and where it is going. It is a retail bank focused on working Our target is to become a PhP500-billion bank from our current size of nearly PhP300 billion. We aim to attain to provide excellent customer experience. We are not there yet but we are working hard to get there. The Board this size in three years or so. of Directors, management, and the rest of the EWBankers bought into that vision as the way towards becoming a more relevant and significant bank. It is this collective vision and everybody’s willingness to work on it that underpin EW’s success. And since there is faith in what we are trying to accomplish, we don’t mind the temporary What do you need to do to achieve this goal? pains that necessarily come with big objectives. If we have been working harder in the past years, we need to do more. We cannot be complacent. We need to Ten years ago, we laid out a long-term plan on how to go about our objectives. We like to think about the plan fine-tune our processes, improve customer experience, tighten governance and risk management to prepare for a in phases. The first phase, between 2007 to 2011, was all about “laying the foundation”. We were a small bank much bigger scope of operations. with less than 70 branches then. We thought we will focus on a few items and show that the business model we have in mind works. We opened a few branches, focused on CASA deposits to improve deposit mix; and built We need to generate more deposits. Of course, that means we also need assets to deploy the deposits. We’ve a loan book of middle market, auto, credit cards and home mortgage loans. Then we got lucky and acquired AIG got to be more focused and move faster; that’s the only way for us to compete. We are a latecomer in this business. PhilAm Savings Bank in 2009. By 2010, we started to see above industry ROE and had our IPO in 2012. Yes, If the competition moves one step and we move one step, we cannot catch up. The only way for us to compete is we were profitable but still small. We were ready for Phase 2. if we move two to three steps ahead of competition.

The next phase is what we like to call “expansion to significance”. If we are to be competitive, relevant and significant, we need to scale up. With these thoughts, we embarked on an organic branch expansion that some How do you see competition shaping up? thought was not just ambitious but also unimaginable: we added 265 stores in just four years. We also invested in better IT infrastructure and expanded the organization to prepare for more business. By end 2016, we had There will be no let-up in competition among banks. It won’t get easy. It will only get more intense. If you look at 445 stores, very competitive IT architecture, and 6,664 EWBankers. the industry, the common-equity Tier 1 ratio ranges from 13-14%. This signifies that all banks have the capital and are able and willing to underwrite more loans. We also expect banks to move towards digital and make banking We are now in the final phase: “realizing full potential”. The major investments have been made. What we need more convenient for customers. to do now is to optimize. We need to bring our business levels to that of competition particularly our deposit levels per store. This also means expanding loans and investments and raising more capital. How do you see the role of digital technology in EastWest’s growth?

Are you now reaping the full benefits of the store expansion? Evolution of disruptive innovation is never linear. It always proceeds from slow, seemingly inconsequential steps until the inflection point is reached; and then moves very fast. We have no doubt that banking will go digital – Not yet, only the early fruits. 2016 is a milestone. It marks the end of the most difficult part of the expansion mobile and online banking, better apps, and business processes. The question is how soon will it be pervasive. and the beginning of better times ahead. Asset growth of 25% and 70% jump in profitability are a good send Digital technology would make banking more efficient. If one is unable to adopt, its cost structure will be off for better times ahead. uncompetitive. We have to embrace digital technology if we are to sustain growth and profitability.

EW is well positioned now to benefit with the expected robust growth of the economy. For 2017, we expect a After realizing the benefits of your investments, what other challenges do you expect to hurdle in the coming 25% growth in profits. Our loans and deposits should show around 20% growth as well. years?

The biggest challenge — in the past, present, and future — is always how to bring everything in the organization What would make you rest easy and convinced that your sacrifices have paid off? together. It is still about people. This is the core driver of progress. The organization that can achieve a sense of common purpose and shared values would win the game. And this is a dynamic undertaking as the world is ever EW’s board and management team are comfortable that we are on the right track. Management understands changing. What is successful in the past will not necessarily be successful in the future. The method, processes, now that we have the necessary ingredients to cook a good dish. It will only be our fault if the dish does not taste and strategies to attain the objective, the common purpose, necessarily means having an agile organization that is good. We cannot pin the blame on anyone else if we fail. We have internalized that we are the captains of our always willing to face new realities. This is easy to say but very difficult to do. own destiny. The beauty of capitalism is it never stops to find better ways of doing things. This is also what makes it Having said that, we are on our way to scale up. We need to build a level of operations that would enable us to challenging. The search for competitive superiority that drives growth and profitability is a powerful push. The optimize our overhead, improve operating leverage and be more efficient. This has been the game all along. In organization that seeks and is able to understand the ever-changing business realities will be successful. This the next few years, EW plans to grow faster and have higher ROEs than industry average. We must, as our asset necessarily means having the ‘right’ people. The right people are people who are able to define and effectively base is smaller than our benchmark competitors. execute strategies appropriate to the changing realities.

Among the local commercial banks, nobody can come close to EastWest in terms of the proportion of consumer loans to our loan book. In 2016, consumer loans, which accounted for 68% of our total loan portfolio of PhP201.8 billion, rose by 51%; and driven mainly by the 59% growth in auto loans. Corporate loans, which are mostly in the middle market sector, slightly dipped by 3% to PhP64.6 billion. Given that we have the highest proportion of consumer loans, we should be earning more in a positive economic environment. ANTONIO C. MONCUPA JR. Vice Chairman and CEO

[ 12 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 13 ]

EWBC 2016 AR June 7.indd 12 6/15/17 11:35 AM EWBC 2016 AR June 7.indd 13 6/15/17 11:35 AM Operational Highlights

From Expansion to Execution: Fulfilling Dreams at Every Turn

We believe that we are in the Retail Banking That’s Closer to You In 2016, we strengthened our retail banking scale With their fresh and vibrant colors, EastWest with another strategic acquisition: the retail banking 445 580 business of banking for a bigger stores have become a friendly fixture in every business of Standard Chartered Bank Philippines Total store network Total ATM network purpose. dynamic community in the country. This is no (SCB PH), which included credit cards, personal loans, 212 389 in-store coincidence. We deliberately make our stores as wealth management, and retail deposits. 118 191 off-site inviting and as accessible as possible because 55 60 EastWest’s success is built on trust and they are where our client relationships are We completed the transfer of SCB PH retail accounts, relationships. More than just offering products planted and nurtured. Although we connect personnel, and branches to EastWest on November and services that enable customers like you and engage with you through various electronic 27, 2016. This milestone put EastWest in a better 13% 30% to save and invest for the future and borrow banking channels—website, ATM, EastWest position to deliver long-term value for all our Increase in number Increase in total deposits of depositors for your personal and business needs, we are Online, Customer Service—we build our stakeholders like you. building relationships, fueling dreams, and relationship with you at the EastWest store. creating opportunities. Aside from the converted SCB PH branches, we also With our vast nationwide store network, opened eight stores. This brought the total addition to Over 90,000 EastWest Online users In 2016, we continued to work hard to earn your numbering 445 at the end of 2016, our nationwide network to 12 stores in 2016. trust and confidence by using our resources, complemented with 580 strategically located experience, and wide range of services to help ATMs, we are conveniently near where you live, With a wider store network and increased sales and you pursue your goals and live your dreams. play, and work. marketing efforts, the number of our depositors grew At the same time, we pursued our strategic 13%. New accounts opened in 2016 rose 11% from the plans and made bold decisions to grow and 2015 level. Total deposits reached PhP240 billion, become a better bank for you. 30% higher than in 2015, bolstered by the 32% growth in checking and savings accounts.

The performance of our debit and prepaid cards also improved and EastWest was again awarded by Visa in 2016 for having the “Highest Debit Payment Volume Growth” and “Highest Prepaid Card Growth.”

While we helped boost e-commerce and cashless transactions in the Philippines, we also ensured utmost security for our cardholders. In 2016, we implemented the next phase of our EMV migration plan, in line with the mandate of the Bangko Sentral ng Pilipinas (BSP) to switch to the more secure chip In 2016, all 580 EastWest ATMs were upgraded to technology. We have been issuing EMV debit cards support EMV technology as credit and debit cards as early as May 2015; thus, customers who opened with EMV chip technology were rolled out. We also accounts from this period onwards already have chip began issuing contactless cards (i.e. Visa payWave cards. and Mastercard Paypass) so you can enjoy secure and convenient tap-and-go transactions.

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EWBC 2016 AR June 7.indd 14 6/15/17 11:35 AM EWBC 2016 AR June 7.indd 15 6/15/17 11:35 AM Operational Highlights Operational Highlights

Of course, making banking convenient for you is Financing Dreams Credit Cards also significantly contributed to make increased 10%. With a PhP3.8 billion portfolio and not just having an EastWest store or ATM near you 2016 proved to be another bountiful year for 2016 a banner year for our consumer lending business. growing, EastWest continues to be one of the leading or enabling you to shop without cash. It’s giving consumer lending in the Philippines as consumers After acquiring SCB PH’s retail business, including providers of Personal Loans in the country. you access to your accounts anytime while you’re at gained more confidence in taking auto, card, credit cards, we ended the year with a 23% increase home, at work, or on vacation. home, and personal loans. in accounts receivables versus year-ago levels. This The year also saw another milestone: we received our enabled us to maintain our industry standing as the first-ever award as ‘Best Consumer Finance Product’ And so, in 2016, we introduced our new internet With consumers in the driver’s seat of economic fifth-largest issuer with over a million at The Asian Banker Philippine Country Awards banking platform, EastWest Online, that’s more growth, we continued to pave the way with cards-in-force. 2016. This prestigious recognition served to reinforce secure and adaptable to various devices and screen our affordable and accessible consumer loans. our commitment to provide affordable, convenient, sizes. We also streamlined the design for easier Consumer loans accounted for 68% of our total We also launched two new premium card variants: and accessible loans so our customers can have the navigation and added more convenient features so loan portfolio of Php201.8 billion in 2016, making the EastWest Visa Platinum Credit Card and the financial muscle to pay for personal necessities such you can enjoy a safer, smarter way to bank. EastWest the most consumer-focused bank in the EastWest Priority Banking Visa Infinite Credit Card. as tuition fee and medical needs, as well as larger country. This was in line with our plan to grow the affluent expenditures like dream weddings and vacations. Throughout the year, enhancements were made segment of our credit card business. to EastWest Online, including straight-through In terms of loan segments, Auto Loans remained As the economic pie further grows, and as we continue enrollment using debit, credit, or prepaid card; the largest portfolio. Despite stiff competition We also completed the issuance of EMV chip-enabled to leverage on our expanded store network and sustain balance, transaction history for the last 3 months; from other industry players, our auto loans credit cards in 2016, ahead of the Bangko Sentral ng the momentum of our marketing campaigns to reach e-SOA for deposit, credit card, and loan accounts; business posted a phenomenal year-on-year Pilipinas’ (BSP) deadline for all banks to adopt chip more customers, we expect EastWest to become beneficiary enrollment for local and out-of- growth of 59% in 2016. This came after forging a technology for better card security. an even bigger and stronger player in the consumer the-country fund transfers; update of landline robust partnership with auto dealers, making our lending business in the coming years. number and security questions; and downloadable consumer loans more affordable, with low-interest For the fourth-consecutive year, Personal Loans electronic bank account statements. rates and flexible payment terms, and making the sustained double-digit growth, at 21% in 2016 versus application process faster and easier. 2015. New personal loans booked for the year

Largely due to the continued patronage of th our loyal customers and our innovative dealer 59% 4 partnerships, EastWest is now considered the Increase in Auto Loans Industry ranking fourth-leading auto loans provider. in 2016 vs. 2015 in Auto Loans We also continued to meet demand for home 37% 88% loans as Filipinos gained more purchasing power Increase in Home Loans Increase in new and overseas workers sent more money for their home loan borrowers families to buy their dream home.

With our wider store network and a bigger number of accredited real estate developers, we reached 23% 5th a new milestone in 2016 by hitting the highest Increase in credit Largest credit card volume since we started offering Home Loans. card receivables issuer Our Home Loans portfolio grew 37% compared to the previous year as the number of new home loan borrowers surged 88%. 21% 10% Increase in Increase in new personal loans portfolio personal loan bookings

[ 16 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 17 ]

EWBC 2016 AR June 7.indd 16 6/15/17 11:35 AM EWBC 2016 AR June 7.indd 17 6/15/17 11:36 AM Operational Highlights Operational Highlights

Meeting the Demand of Businesses enrollees versus year-ago. The business contributed In 2016, EastWest also started serving the capital Our Trust business enables you to grow your money In 2016, the Bank’s corporate banking loan portfolio over PhP30 billion in CASA and generated fees of requirements of local companies with our entry into through Unit Investment Trust Funds (UITFs) — a declined 3% as the Bank allocated more capital to its PhP30 million, up by 17% from 2015. the arena. During the year, we curated investment fund that is managed by experts consumer lending business. We believe that given the were involved as participating or co-lead underwriter in to ensure optimum returns vis-à-vis risks. In 2016, our country’s strong macroeconomic fundamentals, the Cash Management also contributed to our cost-saving five of the major issuances by leading conglomerates UITFs’ Assets Under Management (AUM) increased healthy leverage in the economy, and the forthcoming efforts by providing services to internal units and our in the debt capital markets. Not only does investment 48% to reach over PhP1 billion. We ended the year tax reforms and infrastructure program, the economic sister companies under the Filinvest Group. banking allow us to make full use of our universal with a total AUM of PhP12 billion or 78% increase expansion will continue in the coming years. As such, banking license, it also enables us to grow EastWest from organic business and acquisition of SCB Wealth the Bank will be better off prioritizing high yield, even In 2016, we launched new web-based cash Bank’s brand and reputation among corporate issuers. Management. if high beta, consumer loans. In time, the Bank plans management services on our online corporate channel. Thinkstock 648304160 to balance its loan portfolio to somewhere around These included postdated check warehousing, auto- Even as uncertainty gripped the financial markets in 50-50 (consumer and business loans), as it proceeds debit arrangement, electronic invoice presentment and Helping Investors and the Mass Affluent 2016, our funds continued to earn recognition for their to double its balance sheet in the next few years. payment, inventory management system, account Build their Wealth growth performance. Our EastWest Peso Intermediate sweeping, and other basic banking services. We Investors are the real drivers of the economy; they Bond Fund was one of the three recipients of the To maintain profitability, we deepened our relationship also enhanced our stand-alone service offerings by create wealth, not only for themselves, but also for CFA Society Philippines’ “Best Managed Fund of the with existing clients and further strengthened our migrating to a new platform. the nation. Year” award in the Bond Fund - Medium Term (Peso) operations. category. To better serve businesses, we started offering However, investment involves added complexity. Our determination paid off: net interest income from extended cash management support beyond banking Unlike plain-vanilla savings and loan products, Meanwhile, PhilEquity Fund, which EastWest our corporate banking operations grew 25% in 2016 hours. We also introduced instructional videos for investment instruments are not always easy to customers can access through EastWest PhilEquity despite the reduced business volume. select cash management products to easily guide our understand and making decisions about where to Feeder Fund, was also awarded by CFA Society clients. The year also saw the launch of our eBook, an put your money is even harder. Faced with this Philippines as “Best Equity Fund”. We also made headway in our Cash Management electronic scheduling system that our stores can use complexity, many people do not bother to think business in 2016 with the 57% increase in new to book appointments on behalf of their clients. about investing and instead become passive savers.

25% 17% ₱12B 78% Increase in net interest Increase in fees from Assets Under Growth in income from cash management Management AUM corporate banking (AUM) in 2016

[ 18 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 19 ]

EWBC 2016 AR June 7.indd 18 6/15/17 11:36 AM EWBC 2016 AR June 7.indd 19 6/15/17 11:36 AM Operational Highlights Customer Focus

Since 2006, PhilEquity Fund has been the recipient To reach out to more investing customers, we also of The Philippine Investment Fund Association’s “Best expanded our Sales Distribution Group to strengthen our He praises EastWest for having a responsive IT Performing Equity Fund” award in the 10-year category. team of competent, licensed, and seasoned Investment Helping innovators infrastructure that enables digital entrepreneurs Sales Officers. Customers can access their expertise like him to live on the fast lane. During the year, we also launched two more UITFs when it comes to making investment decisions by — the EW Peso Short-Term Fund and the EW PSEi visiting our stores nationwide. In 2016, we established live their dream Yet it’s not just about technology, but also the heart behind the service that made him cherish his Tracker Fund — expanding our UITF offerings to eight. a Sales Distribution Group in Davao to cater to the banking relationship with EastWest. In the same investing clients in Mindanao. JG Puzon, a 44-year-old CEO and way that his venture treats the sari-sari store owner As the economy grows, we see moreThinkstock Filipinos 516358364 as royalty, Mr. Puzon appreciates the service he accumulating wealth and becoming more sophisticated More than offering products and services to meet our inventor of several web and mobile receives from his bank of choice. and discriminating in the way they bank. customers’ needs, we endeavor to deepen our client applications, thrives on innovation. relationships. We do this by constantly improving our “Having banked with several more traditional banks in the past, I felt it was a necessary evil to transact Our acquisition of SCB’s wealth management business service, systems, and processes to consistently create Like other digital entrepreneurs today, he seeks to with them. Now, I feel like I’m with one of the most therefore came at an opportune time. With over 4,000 great customer experiences across all touchpoints. make technology fast and disruptive to make lives in progressive, forward-looking banks of its time, clients and four wealth management centers, we are As we further strengthen our brand promise of “Your the grassroots easier. such as in the way I’m greeted by managers and confident that our relationship managers can advise our Dream. Our Focus” in 2017 and the coming years, you frontliners,” he said. “With EastWest, I feel like a One of the companies he heads, Posible.net, offers clients and offer a wide array of investment products, can expect a bank you can count on to help you fulfill big client even though I’m not.” not only from the Bank but also from third party your aspirations in life and in business. a wealth of internet and mobile communications technologies especially targeted for small merchants. providers under our “open platform” set-up. There is no slowing down for the technopreneur In a sari-sari store, for instance, its devices serve as a who wants to showcase Filipino talent and IT one-stop shop for prepaid load, cash remittance, utility capabilities to the world. Of the estimated one bills payment, and related services in need of a cash- million engaged in neighborhood stores in the in, cash-out facility. country, Posible.net has already reached 1,000 and counting — processing small-scale payment “While you can do everything through your computer transactions in rural areas. It will also soon offer or smartphone, brick-and-mortar will never disappear. its first banking product called Interbank Transfer So we empower that market segment and help them Facility (IBTF), which will allow people to deposit transact better with their customers,” says the trained money to anywhere in the Philippines for a minimal engineer who was part of the team that pioneered fee – from the confines of the sari-sari store. internet-based instant messaging in the Philippines in the early 2000s.

In entrepreneurship, as in other aspects of life, experts need fellow experts. For his own banking needs, the socially conscious techie relies on EastWest Bank for its range of deposit and corporate products and services.

Since 2011, Mr. Puzon has been a regular user of EastWest Online, not only for business-related transactions, but also for transferring funds to his kids.

Technopreneur JG Puzon relies on EastWest Online for his business and personal transactions.

[ 20 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 21 ]

EWBC 2016 AR June 7.indd 20 6/15/17 11:36 AM EWBC 2016 AR June 7.indd 21 6/15/17 11:37 AM Customer Focus Customer Focus

A time to build

Nearly two decades ago, the lives of Filipino-

Josfel and Emee Zamoranos Chinese couple Pierre and Sheila Ong-Ching were tough.

Driving aspirations They were entrepreneurs in their early 20s trying to The Chings make a mark in the local skincare industry while starting (L-R) Trisha, Pierre, Siegfried, Sheila, and Misha a family of their own. Today, they are at the helm of In life and in business, Emee Zamoranos always has a proverbial need for Skin Perfect Facial Salon and a chain of restaurants speed. even as they continue to raise three children.

When they were just introducing Skin Perfect to their She is not just a mother of four, but also at the helm of Fiber optic technology alone is poised to be a billion- target market and seeking lease in major commercial In addition to home property and construction financing, a telecom construction company that builds cell towers peso business stretching into 2019. spaces, 40-year-old Pierre recalls there was lack of the Bank also extended the couple a credit line to help and deploys physical fiber optic networks in Visayas and confidence among shopping malls in dealing with them achieve their lofty goals for business expansion. Mindanao for the country’s telecom giants. “I couldn’t be more excited bringing this project to life. young entrepreneurs like them. “Building trust was Under Trishmish Food Venture, the couple also operates Internet subscribers will have more access to data as a real challenge we faced back then,” he adds. a commissary that produces condiments for food Ms. Zamoranos started BSPT Construction Corp. in the technology becomes cheaper and more economical,” establishments. 2012. Her days heading the family corporation place she says. Armed with modest capital and Sheila’s aesthetician great physical and mental demands on her, as it takes training in Tokyo, the couple burst on to the local Their companies now have a growing line of skincare efficiency to build a number of cell sites and fiber optics While maximizing her time and efforts as a business skincare scene by opening their first branch in and food brands, employing more than 400 employees, every year and manage nearly 400 (regular and local owner, Ms. Zamoranos makes sure to never sacrifice Congressional Avenue, City in October 2000. and more than 60 outlets nationwide. They offer a hired) employees nationwide. quality time with the family. Without fail, she holds In 2010, they entered the food segment with range of affordable beauty and wellness services, “secret nights” with her three young adult sons and Hainanese Delights, a “healthy chicken” proposition non-invasive treatments, and facial skincare products. “My days are long and busy because we abide by strict daughter on weekends, trading secrets and stories with 15 branches in Metro Manila and Cebu. The couple is also building a five-storey office that project deadlines, including two lean months to deliver with them and bonding over good food and drinks. will incorporate their showroom and newly started a specific cell site,” she says. “It’s all about outdoing “Having breakfast with my hubby is one of the precious Now after 17 years into the business, the couple realizes manufacturing enterprise. ourselves every time no matter what telecom or moments of my day and the reason why I always look everything is a confidence-building game. And if the equipment vendor we’re working with.” forward to mornings,” she adds. first few years of their successful tandem were spent For the self-made couple, sharing a common vision with building brands, Pierre and Sheila are now keen on a partner bank is key to their success. This is why she values her Auto Loans with EastWest. She wishes to leave a legacy of excellence in her building for themselves a home that embodies their Using the loans, she was able to acquire two company and trains her own children to be the dreams and aspirations. “We’re so aligned with EastWest in that they are looking SUVs for her personal and business use, and several engineers of the future. She wishes that the people for young entrepreneurs to grow with them, unlike most Mitsubishi L300 vans for her telecom infrastructure- will love the company as their own. She considers “We’re now financially stable and have found a partner traditional banks that deal with the big guys. This way, building missions around the Philippines. Time is indeed EastWest, which handles nearly all of her personal and bank in EastWest Bank,” Pierre says. we feel we are partners in a common vision of growth gold for the lady CEO, who also travels to her Cebu and corporate banking needs, a partner in realizing these and scaling our initiatives,” says Sheila. Davao offices every week. goals. The upcoming Ching residence will sit on a 600-square meter lot in an exclusive residential development in In 2017, she has set her sights on entering the North “It’s all about offering your best in whatever you do and Quezon City and will feature a modern Japanese design. Luzon territory and partnering with telcos to bring no matter how difficult it is to lay the groundwork. I see “It’s a lot of work but we couldn’t be more excited to see fiber optic cables to thousands of barangays in a bid the same philosophy in EastWest; I feel at home dealing our dream home coming to life,” Pierre says. to enhance internet connectivity and speed. with them, and they support my endeavors the best way they can.”

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EWBC 2016 AR June 7.indd 22 6/15/17 11:37 AM EWBC 2016 AR June 7.indd 23 6/15/17 11:37 AM Customer Focus Customer Focus

An entrepreneur’s dream comes true A luxurious friendship Rey G. Dela Cruz was feeling the brunt of the Asian financial crisis in 1997 while running his wholesale clothing business. Step inside the minimalist Rolls-Royce Global City Showroom on 5th Avenue, He was attending the “sample day” of a major shopping a check or how to pay suppliers,” he said. “But EastWest BGC and marvel at the display of mall chain in the hope his products will be sold regularly came and supported us, and I was able to focus on the in its department stores. If some samples were missing, more important task of product development, selling, and ultra-luxury: a Ghost Series II, a Dawn Willy Tee Ten in a Rolls-Royce it meant the mall was interested in his products. On most marketing.” Dawn convertible days, he returned to find that no sample was taken from convertible, and a sporty Wraith. his box. His three children – Eric, JR, and Mikee – now help him run Goldwing, and he intends to keep it in the family, But the entrepreneur and father of five did not easily lose so to speak. Keeping his production proudly local is his Getting these hand-made vehicles for the elite and Through sheer determination, he built four more Ford hope. Fast forward to today: Mr. Dela Cruz is at the helm weapon in the face of intensifying competition and global fortunate few inside the showroom meant that the dealer dealerships in the next five years, and gradually built an of Goldwing Apparel, Inc., which has its own production players entering the market. had to make an advance payment directly to the car empire that now spans 22 auto dealerships nationwide. complex in Parang, Marikina and employs nearly 1,000 manufacturer, U.K.-based Rolls-Royce Motor Cars. nationwide. In 2016, the company reached a new “We have ties in China and source about 15% of our total “EastWest was the first bank that ‘invested’ its trust in milestone in terms of sales and volume. production from there. Here, in our facility, we can control “The wait for a car is usually 6 months up to a year. So if a startup like mine. So malaki ang utang na loob ko sa the process and turnover. It’s a long process, but it’s the you’re in a hurry to own a Rolls-Royce, we will already buy EastWest (I owe EastWest a debt of gratitude). I know And EastWest Bank has been a steady partner in this way we can win,” he said. it for you so it’s ready for you to drive away,” says Willy Tee EastWest got my back,” he adds. success. “It was EastWest that helped us since the Ten, the President of the Autohub Group of Companies and beginning,” said Mr. Dela Cruz, who maintains deposit Mr. Dela Cruz wants the business to grow and prosper, under this conglomerate is Rolls-Royce Motor Cars Manila Oddly, this Chemical Engineer by profession did not even accounts, a growing SME credit line, and business-related not just for his children, but also for his people. In fact, (British Bespoke Automobiles). start out as a car lover nor an enthusiast. He honed services such as the payroll assist system with the Bank Goldwing has established a medical insurance and his business skills in the ethanol business right after since 2006. retirement fund, and is looking to secure a piece of land In addition to being the exclusive distributor of Rolls- graduating from De La Salle University. When the for staff housing. Aspiring to retire soon and find time for Royce, Autohub also carries the official distributorship family business was sold, he was one of the first to apply of other luxury British marques such as Lotus and MINI, for a dealership with Ford, which was making a comeback Raised in the family’s garments and textile business, his family and for travel, Mr. Dela Cruz knows his success iconic Italian scooters Vespa and Piaggio Ape, as well in the country in 1998. Mr. Dela Cruz started Goldwing Apparel as a sole is not a one-man show at all. as dealerships nationwide of global brands such as Ford, proprietorship in 1987 and was a one-man operation for Nissan, Hyundai, and Mazda. “I told them I had no knowledge of the auto business. I many years. It sold Chinese imports such as t-shirts and “I don’t think we will be where we are now without was not even a car lover. All I knew was that after food, towels. When the financial crisis hit the region in 1997, he EastWest and our employees, especially those who have To acquire his inventory, the 53-year old entrepreneur clothing, and shelter, cars were the next basic necessity. gradually saw his debts piling up, and partners previously been with me since the start. For that I will always be needs serious financial backing. And for this, Mr. Tee Ten I look at the long-term prospect of the business: 90% of reliable, suddenly defaulted on payments. grateful,” he added. turns to a bank which he considers as his trusted partner car buyers are like me; they are not car enthusiasts. I can for more than a decade now. sell cars to those who merely needed them,” he says. Still, he saw opportunity in a crisis, so from wholesale Bottomline: he’s the person to talk to once you’re decided selling, he shifted to the retail business. “EastWest Bank has been our long-time partner and played to buy and need the final discount. He got his big break in 2002 when a shopping a major part of our growth and expansion,” he says. mall manager sought a For someone who grew up chasing jeepneys and “jumping potential relationship. From More than being his primary bank, EastWest supports the aboard packed buses” for a ride to school, selling Rolls- there, his concession-type dealership in the form of hundreds of millions in financing Royce was unimaginable. “I wasn’t rich. I worked hard business flourished inside major to acquire inventory. This may be to secure a handful of for everything I have now. But my beginnings taught me department stores around the Rolls-Royce cars, to a thousand units of various brands patience, hard work, and to pick myself up and continue Philippines, employing more than every month. Apart from inventory, dealerships also need on after making a mistake. I can’t dwell on mistakes and 300 workers in the office and to be built and this requires capital. hardship too much. I need to move as fast as possible the factory, as well as over 500 because I know better opportunities are coming. I may promodisers inside malls. “It’s like friendship: if the relationship is good, we support not be truly an optimist but I see light whenever a dark each other,” Mr. Tee Ten describes his business relationship situation comes. I guess that’s challenge.” with EastWest. Like other well-meaning Filipino Making a Rolls-Royce sale is as rare as the car itself. But in small enterprises, Mr. Dela Cruz was This friendship goes a long way back. the rarified strata of ultra-luxury cars, sales — like dreams hounded by cash flow issues in his — do happen. And whenever they do, Mr. Tee Ten turns to startup years. “A big chunk of my Mr. Tee Ten was still starting to grow his first auto an old buddy like EastWest Bank to seal the precious deal. time was spent worrying how to fund Rey with sons JR and Eric dealership in City when the 1997 Asian financial crisis plunged many companies into debt. Rey Dela Cruz and his bustling Goldwing Apparel factory

[ 24 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 25 ]

EWBC 2016 AR June 7.indd 24 6/15/17 11:37 AM EWBC 2016 AR June 7.indd 25 6/15/17 11:37 AM Our People & the Community

Daring to Dream Future-Proofing EastWest • Karinderia ni Mang Urot: Our lawyers and staff of To sustain the success of our business, we adopted Legal Services Division lent their hands at a local Making a Difference a robust succession planning policy driven by our soup kitchen (“Karinderia”) during a regular weekend service culture and strategic direction. Successors feeding program for the homeless along the streets Through Our People of key business units are chosen based on their of Examiner and Quezon Avenue in Quezon City. competitive competence (both leadership and They cooked and served the meals to the homeless. technical), experience, execution capabilities, people Our 6,664-strong workforce is the skills, and identification with the Bank’s vision and • Christmas with the children of Bahay Maria: behavioral norms. Strategically, it starts with hiring Bahay Maria Orphanage in Makati City houses key driver for EastWest to realize its HiPo (High Potential) talents, who shall in turn hire children from the poorest communities and were full potential. equally HiPo candidates, and down the line. abandoned or given up by their families. They were treated by our volunteers from the Credit We recognize that our strength lies in the ability of At EastWest, what separates us from the rest Cards and Personal Loans Divisions to a memorable our staff to exceed customer service expectations. is our leaders’ ability to mentor and coach their Christmas with delicious food, fun, games, and To competitively deliver our brand promise and potential successors. Exposing younger executives special gifts. commitment to service excellence, we ensure that • Strategy Center: Crafts and designs solutions to key committees and projects will allow them our people are empowered and well-invested in both and programs to address organizational needs to participate in setting strategic direction and their personal and professional growth. We position and complement business strategies. charting key programs. Ultimately, it is the leaders’ the organization for success by differentiating our responsibility to develop a successor. Bank through Eastwestbankers – who are highly • Execution Center: Acts as support to ensure the competent, engaged, and collaborative. prompt and seamless delivery of solutions Growing Together as a Community and services. We believe in building a long-term relationship with Exceptional customer service starts with confidence. employees that goes beyond the paycheck. We are As such, our Human Resources Group pays special • Standards and Control Center: Ensures passionate about promoting a culture of engagement attention to building and developing our talents’ compliance with all internal and external regulatory where work is meaningful, employees are valued, competencies. We build and bring out confidence requirements; promotes positive discipline and and teamwork is celebrated. We also want to instill in our people by providing them with learning ensures employee adherence to established in our employees a sense of pride and purpose and development opportunities, reinforced by a company rules. and fulfillment from their work. We strive to retain professional and positive work environment – all employees whose values match our own. of which are designed to serve and nurture positive With this direction, HR frontliners can be more and lasting relationships with our clients. strategic, proactive, and timely in addressing issues Fulfilling our Corporate Social Responsibility and challenges encountered by the business units. (CSR) is an integral part of our strategy. At the More Responsive Meanwhile, HR’s Employee Relations unit has heart of our CSR initiatives are our employees Our HR Group restructured under a new leadership adopted a more “positive” discipline approach to and the communities where we operate. In 2016, and transitioned into a more strategic approach in align Eastwestbankers with the Bank’s values and our Employee Relations Council partnered with the last quarter of 2016. Its key focus is to provide behavioral norms. various charitable institutions on projects where our seamless delivery of HR services. More than ever, employees can volunteer and make a difference. it operates in close partnership with the Senior Confidence Building Management and various business units within the Building employee competencies and confidence is Here are some of those projects: Bank. The group was reorganized into a business key to service excellence. Our EastWestbankers can • Philippine Red Cross Blood Drive: EastWestbankers partnership model with four core functions: confidently handle client concerns as they possess donate blood yearly and contribute to Red Cross’ the competitive competence to do their job. This mission to save lives. • Business Partnership Center: Houses HR philosophy prompted the launch of a new certification frontliners, who serve as the employee’s point program that aims to continuously build the core • DepEd’s Brigada Eskwela: EastWest has been of contact. They are highly accessible to the line competencies of the Bank’s store personnel. This helping schools get ready for school opening. In and are expected to deliver timely solutions and program not only sharpens the skills of EastWest 2016, volunteers from our Bank Operations Group services. leaders and strengthens the EastWest talent pool, donated paint and painting materials and helped but also makes job certification available anytime. restore the classrooms, cabinets, and chairs at the Ricardo P. Cruz Elementary School in Lower Bicutan.

[ 26 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 27 ]

EWBC 2016 AR June 7.indd 26 6/15/17 11:37 AM EWBC 2016 AR June 7.indd 27 6/15/17 11:38 AM Consumer Protection

• We ensure that our products and services suit Customer Education our customers’ financial objectives and risk In 2016, our customer education and empowerment Ensuring Your Protection appetites. Recommendations are based on campaign focused on banking security and safety in sufficient inform ation and responsi ble response to ongoing threats not only in the Philippines profiling. We do not issue statements that but also around the world. At EastWest, providing excellent customer are untrue. We do not omit crucial details. service also means upholding consumer rights We re-launched and enhanced our Customer • Customers are provided with the necessary Education Program to help customers avoid fraud and and ensuring the safety and protection of all documents related to their account—from Terms scams when using their EastWest debit, prepaid, and our customer accounts. & Conditions, bank statement, passbook, and credit cards online, at ATMs, point-of-sale terminals, and Visa/MasterCard-affiliated merchants. certificates—within a reasonable timeframe. • The completion of customer requests are confirmed • A banking security section was added to our website through written or digital means within an (www.eastwestbanker.com) which is a gateway to We always strive to put our customers’ best interest Protection of Client Information acceptable time period. information on our security commitment, protocols first, realizing fully well that the very foundation of We adhere to the best practices on keeping account and programs, and ways to report fraud, lost or our relationship is built on trust. We deeply ingrain information and related details secured. Our Risk Effective Recourse stolen cards, or suspicious account activity. This a culture of fair and responsible business conduct in Management and IT Security policy provides the Our customers are provided with accessible, section also provides free tips on general banking our DNA. framework for our standards on protection of client affordable, independent, timely, and efficient means security, safe online and mobile banking, safe information. In addition, our business units also for resolving complaints. This is seen in our robust shopping, and how to avoid fraud and scams such Disclosure and Transparency maintain: Customer Assistance Management System (CAMS) as ATM skimming. We ensure that information about our products and evident in our complaints resolution process which services are not only accurate but are also widely • A written privacy policy to safeguard customer is embedded in the service cycle of all business • Our ATM screen ads have been refreshed with accessible so anyone can easily locate, compare, records. units. We have devoted resources and personnel new, more appropriate, and reader-friendly and understand the information about EastWest who are personable, dependable, and proactive to customer education messages. and ultimately, make informed decisions. • Established systems to protect the confidentiality handle customer queries and resolve complaints. and security of customers against any threat or The channels for complaints reporting are published • Our Customer Education brochure was redesigned • Our marketing materials, website, social media hazard. and displayed in all our stores, collaterals, and for greater connection to our target audience. accounts, and customer communications contain website. vital information about our products and services. • Regular communication of policies on an • A social media campaign on consumer protection They are presented in a way that is clear, simple, organizational level and constant skills upgrading and banking security was developed. and easy to understand. and training of personnel on the value of preserving and safeguarding customer data. Top 10 Complaints • Electronic direct mails were sent to all our • We provide regular updates and advisories to customers to provide tips on password protection, ATM/ Issues 30.84% ensure that customers are notified of changes • Strict confidentiality in handling customer data security questions, combating malware and and don’t miss out on new promos and product in accordance with the provisions of the Manual of Systems Related Issues 28.74% phishing scams, SSL (Secure Sockets Layer), and offerings. Regulations for Banks. Card Delivery Issues 23.40% other site security indicators. Dispute Issues 9.11% • Our knowledgeable front liners can provide more • A policy on obtaining customer consent prior to Statement of Account Related Issues 5.43% To constantly educate our employees, we incorporated information about our products and services. sharing information. Staff Service Issues 1.94% customer education in our bank-wide Marketing and Communication announcements. Our enterprise fraud Unfair Collections Practice 0.15% • We are ready to serve anytime and through Fair Treatment control unit likewise maintains active memberships various communication channels: Customers can We believe in the fair and honest treatment of our Operational Process and Procedures 0.13% and undergoes training in professional organizations. inquire or request for information or assistance customers. This is an important part of our corporate Cash Advance Issues 0.11% This will ensure that the Bank is always updated and through our 24/7 Customer Service Hotline, culture. Marketing Promo 0.11% well informed on pressing financial issues. via email or SMS, and through our Facebook Payment Posting Issues 0.03% and Twitter accounts. • Our staff recruitment and training policies are Past Turnaround Time Follow-up 0.01% At EastWest, consumer protection is more than just aligned with fair and responsible treatment. a catchphrase: it is a perpetual responsibility and the Voucher/GC Issues 0.01% lifeblood of our business. The sustainability of our Total 100.00% enterprise rests on our success in this endeavor.

[ 28 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 29 ]

EWBC 2016 AR June 7.indd 28 6/15/17 11:38 AM EWBC 2016 AR June 7.indd 29 6/15/17 11:38 AM Risk Management

2. Business and operating heads, acting as Business We mitigate this risk by implementing proactive Managing Risk Beyond Compliance Risk Managers (BRMs), act as the second line of capital risk management to ensure that capital is defense, ensuring that risk guidelines and policies preserved while shareholder value is maximized. prevail and remain attuned to the Bank’s needs We maintain capital ratios above the minimum BSP The business of banking is naturally exposed to risk. As such, we at and regulatory obligations. prescription.

EastWest Bank regard risk management as more than just a corporate The Risk Management Committee (RMC) of the Credit risk box-ticking exercise, but a business imperative. Board complements this function, maintaining This refers to the possibility of borrowers and the oversight function of monitoring the Bank’s customers failing to pay their obligations to the overall risk profile via monthly reporting from the Bank when they fall due, whether these are for loan Risk Management Division (RMD). It proactively repayment or a contractual obligation. In recent updates its models for identified risks, analyzes years, credit risks were classified based on the age of Over the years, we have strengthened our focus EastWest’s exposures, and measures other the loan portfolio or their doubtfulness. Under BSP on identifying and managing risks on all fronts, potentially relevant risks. Circular No. 855, Series of 2014, however, banks recognizing that whatever threatens the survival now have to produce models for estimating losses of our business also threatens the success of 3. Our Internal Audit Division (IAD) serves as the on their portfolio. This obliges banks to forecast our customers, as well as our longstanding third line of defense, providing independent potential losses based on the entire life cycle of relationship. assurance on the continued relevance and a loan account or portfolio backed by historical sufficiency of the Bank’s overall risk management. experience. Risk influences in 2016 In 2016, we intensified our efforts to manage the Together with the Audit Committee, the IAD We are able to temper this risk by applying stringent growing risks in our market environment. While reviews our risk management systems, functions, credit scorecards and minimum acceptance criteria bouts of market volatility and feverish banking and activities, recognizing that these have been for every consumer loan product, and an Internal competition characterized the previous year, the undertaken in accordance with the RMD’s Credit Risk Rating System (ICRRS) for corporate sources of risk in 2016 were more wide-ranging. duties and responsibilities, as mandated by the clients. We also use a Board-approved Credit Risk Along with the growing geopolitical tension within BSP. It also assesses the Bank’s Board and Management Manual as guidance in performing the Asian region, there were also changes in Senior Management oversight to be generally credit evaluation for retail consumers and credit political leadership here and abroad that created sufficient, with performance and overall risk underwriting for corporate customers. We regularly market uncertainty. Increasing incidents related to profiles regularly discussed together and all monitor key credit risk indicators and conduct stress cybercrime also heightened regulators’ hawkish pertinent regulatory requirements and policies tests based on internally determined and BSP- stance towards consumer protection. raised over monthly meetings. These reviews prescribed stress scenarios. We took serious efforts to increase risk and assessments conclude that the foundations The Bangko Sentral ng Pilipinas (BSP) moved consciousness across our entire organization for a sound risk management system are properly Liquidity risk towards a more prescriptive position, imposing so assigned personnel can catch potential risk, established in the Bank, going hand-in-hand with This pertains to the possibility that the Bank might greater discipline on the major credit, operational, especially during routine processes. Through Board-approved Risk Management Charters and be unable to service its obligations as they fall and liquidity risks banks are inherently exposed continuous training and various modes of learning, Manuals. due, or would have to do so at exorbitant cost. to. Following this directive, EastWest conducted we continue to equip everyone with the skills to For instance, liquidity risk exists when the maturity a comprehensive analysis of all the different gaps prevent risk from occurring at the onset of each Types of Risks of the Bank’s termed assets spans longer than present in addressing credit, liquidity, capital, transaction. We harness every unit’s capabilities to The risks we face are inherent in the business its corresponding liabilities. This gives rise to the operations, and reputational risks, among others. manage their own risk-taking. of banking whether they are related to income possibility that the Bank may either have a shortage generation, customer service, or compliance with of available financial resources to pay for its liabilities Believing that managing risk is the shared Risk Management Structure regulations. on time, or can only access such resources at responsibility of everyone at EastWest Bank, we Risk management is deeply entrenched in the excessive cost. continued to instill a proactive mindset in every financial and operational design of EastWest: Capital risk task we perform that can possibly expose our This type of risk refers to the possibility of We mitigate this risk by: Bank to risk and potential losses. 1. Our Board of Directors upholds primary a company losing value of its capital, which • Periodically tracking liquidity risk within the realm responsibility for effective risk and internal consequently limits its ability to cover for risk of the Treasury Group’s responsibility, obtaining an control management. exposures that are inherent in doing business. accurate knowledge of our future cash flows at any given time;

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Operational risk Reputational risk This relates to risks arising from lapse in systems, Banks also bear the brunt when stakeholders air people, processes, and external events that affect our their negative public opinion that typically arise from business operations. Lapses and failures in delivery poor product and service delivery, non-compliance, and performance of our functions and operations, after poor corporate governance, or unsatisfactory financial all, are not without consequences. While inherent performance, among others. Being a publicly listed in the banking ecosystem, operational risk becomes company and the growing popularity of social media doubly pronounced as the Bank expands its business become major sources of reputational risk for a bank. and reach. We at EastWest remain steadfast in monitoring this We address this risk by espousing close collaboration risk through identification methods that are both among our various Bank Units, gathering pertinent quantitative and qualitative in design, proactively operational risk data, producing the likelihood and watching and responding to our various environments, business impact matrix for every risk category, and and putting controls in place. simulating the operational risk loss for individual events. A Board-approved Operational Risk Geared up for the future Management Manual also dictates our risk appetite As we move within a highly dynamic environment, • Adopting a Maximum Cumulative Outflow Market risk and tolerance for operational risk. Every month, there these risks continue to evolve and pose uncertainty (MCO) model, a cash flow analysis tool that The value of the Bank’s investment portfolio could is monitoring and reporting of key indicators to RMC. in varying forms. Our industry will remain subject projects our cash flow, includes off-balance sheet be adversely affected by market events impacting to intricate regulations, guideline updates, and commitments, under normal operations; risk factors, such as interest rates, foreign exchange adjustments that respond to bigger systemic rates, and equity prices. This possibility is the New Relevant BSP Regulations conditions. • Using a Board-approved Liquidity Risk market risk inherent in our business. This could Management Manual for setting risk appetite, arise when we take trading positions for the Bank’s Circular No. 900, Guidelines on Operational Risk With the principles of risk management clear and as well as observing regulator- and internally proprietary account, or whenever such market Management echoing its extreme importance to us, EastWest supports these compliance and regulatory shifts 100% determined liquidity risk limits; positions may have to be taken to allow us to This outlines prescriptive rules on operational risk and support the move toward greater transparency service customer transactions. management, under which Bank officials must establish a • Adhering to a Funding Contingency Plan, which comprehensive operational risk management framework and efficiency. It is to the favor of our customers, the Treasury Group regularly updates, to assure To manage this risk, we use various models and to better monitor risks coming from all its activities, employees, and shareholders that regulators impose readiness in case a liquidity issue emerges; and tools: products, and services aside from its direct credit, liquidity these policies and ensure the stability of financial and market risk exposures. Under this directive, the institutions like us. BSP’s Supervision and Examination Sector should be • Foreseeing historical stress scenarios to gain • Value-at-Risk (VaR): to assess potential losses notified of any operational risk events that could lead to Internally, we all act as partners of the Board and insight into our ability to fund our liabilities under related to positions we take in the trading book; significant operational losses or exposures, activation of a these circumstances. business continuity plan (BCP), or any material change in decision-makers, taking into consideration the risk • Earnings-at-Risk (EaR): in consideration of the business environment within 10 days after discovery. involved in whatever activity we embark on. Even repricing assets and liabilities in the banking at the lowest rung of the ladder, risk management New Relevant BSP Regulation book; Circular No. 899, Amendments to the Guidelines on discipline is deeply ingrained in us and how we do Outsourcing things. Circular No. 905, Implementation of Basel III • Market risk limit (MRL): to represent the BSP provides updated guidelines of bank operating Framework on Liquidity Standards – Liquidity maximum potential loss level we are willing to We keep abreast of developments that pose one or Coverage Ratio and Disclosure Standards systems that can and cannot be passed on to an external take; and service provider, stressing the importance of establishing more of the risks detailed above, may it be due to intensifying competition from a local bank, the entry This new rule requires banks to have available High processes, procedures, and systems for identifying, of new and foreign players, or the threat of online Quality Liquid Assets (HQLA) to meet anticipated • Loss alert limit (LAL): as early warning to monitoring, and mitigating outsourcing risks. net cash outflow for a 30-day period under stress facilitate loss reduction strategies. fraud and criminal activity. But while alert and taking The circular details the power of the BSP to deploy conditions. The standard, which initially covers calculated steps, we take advantage of opportunities supervisory enforcement actions to ensure adherence, as universal and commercial banks, prescribes that, where it counts, not straying from our vision of being It is only prudent for the Bank to perform stress well as underscores the direct responsibility of the Board in a normal situation, the value of the liquidity ratio an industry leader in the near future and delivering tests based on regulator- and internally prescribed and senior management in handling and overseeing be no lower than 100% on a daily basis because the stress scenarios, such as interest rate shocks for the outsourced bank activities. more than we promised to the banking public we stock of unencumbered HQLA is intended to serve trading and banking books. Every day, the Treasury serve. as a defense against the potential onset of liquidity Group and RMD also monitor the trading book by Inherent bank functions that cannot be outsourced are stress. both portfolio, product and/or trader. services aligned with the placement of deposits and withdrawals, grants of loans and extension of other credit exposures, position-taking and market risk-taking activities, risk exposure management, and strategic decision-making.

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Through the Board’s Corporate Governance and In aid of proper self-evaluation, each director Compliance Committee, the Bank ensures that all is required to accomplish at least two self- We Value Your Trust directors are qualified for election based on their assessment sheets: one as a director and a integrity, physical fitness, competence, education, member of the Board, and another as a member Our customers create their own future and put their trust in moral standing in the community, and relevant of a committee. Each sheet delves into specifics, business or banking experience, among others. such as the clarity and relevance of the Board and EastWest Bank in pursuing their dreams. The Bank does not discriminate against gender, committee functions, as well as their effectiveness age, and ethnic, political, religious, or cultural in conducting meetings, making constructive use backgrounds. of available reports, and discussing concerns which Knowing that trust is earned, we thus have to may impact on their responsibilities as Director and safeguard our integrity, be fair and transparent in Independent Directors member of a committee. all our dealings, build confidence, as well as provide Three of the nine Board members are independent reliable and better service. directors whose role is to provide independent Board Training judgment, outside experience, and objectivity to It is very important that our directors remain And just as our clients aspire to reach their the Board. They do not have more than five board adequately qualified, individually and collectively, personal and professional goals, our Bank, too, seats in other publicly listed companies. and that they have a good understanding of both has its own ambition: to be known consistently the business and regulatory environments. To for practicing sound corporate governance. Executive and Non-Executive Roles ensure that each member contributes effectively The roles of the Chairman, Mr. Jonathan T. to the Board, new directors receive appropriate When we measure our performance, shareholder Gotianun, and the Vice Chairman and CEO, induction training and all directors attend an annual return is an important metric – but only as it reflects Mr. Antonio C. Moncupa Jr., are clearly distinct training on Corporate Governance. Directors also a more fundamental commitment to earning the and separate. Being a non-executive director, receive regular updates on regulatory changes and trust of all our stakeholders. We recognize that our Mr. Gotianun is not involved in the day-to-day market developments and are encouraged to attend responsibility goes beyond regulatory compliance, operations of the Bank but provides leadership in relevant training programs to develop and refresh but to act in accordance with our corporate values the Board of Directors. He presides over the Board their knowledge and skills. and corporate governance principles. principles, emphasizing long-term performance over and stockholders’ meetings, always ensuring that short-term gain. The Board is also responsible for the Board takes an informed decision in all matters On November 22, 2016, the Board and Senior In 2016, we deepened our commitment to sound fostering the long-term success of the Bank and affecting the Bank and its shareholders. Management participated in the Corporate corporate governance even as we faced challenges securing its sustained competitiveness in a manner Governance Training Seminar conducted by the that come with our rapidly evolving organization, consistent with its fiduciary responsibility. As Vice Chairman and CEO, Mr. Moncupa SEC and the Philippine Stock Exchange at the rising industry competition, growing market ensures that the strategic goals set by the Board Philippine International Convention Center. volatility, and tightening regulations. The Board is committed to conduct itself with are achieved. He has direct and immediate utmost honesty, integrity, and transparency supervision over the long-term and daily operations Board Remuneration in the discharge of its duties, functions, and and management of EastWest and executes and Our model for compensating directors and Setting the Tone at the Top responsibilities. It holds regular and special administers the administrative and operational executives follows best practices for good At EastWest, corporate governance starts at meetings to discuss the Bank’s strategic direction policies approved by the Board. He is also governance. We establish formal and transparent the top. Our Board of Directors and Senior and performance, as well as policies and requested to attend all Board committee meetings. procedures for the development of a policy on Management Team set the tone and ensure that developments in the areas of risk management, executive remuneration or determination of mechanisms for full disclosure, protection of the IT governance, compliance, and relevant Board Self-Evaluation remuneration levels for individual directors, rights of shareholders, and equitable treatment of operational functions. All directors undergo a regular self-evaluation to depending on the Bank’s particular needs. No shareholders are in place. allow them to assess their conduct in accordance director is allowed to participate in deciding on his Board Composition with their mandate and responsibilities as a remuneration. Board of Directors The Board is composed of nine directors, all of member of the Board, as well as of their respective As the highest governing body in EastWest, the whom, other than the Vice Chairman and Chief Board-level committees. This ensures the Board provides stewardship, sets the direction, and Executive Officer, serve as non-executive directors continued effectiveness of the Board in contributing performs general oversight of our management and and operate independently of management. to the Bank’s long-term sustainability and success. operations. It approves the Bank’s overall strategy Nominated and voted by shareholders every year, and makes decisions based on our core values and each director serves a one-year term until the election of another set of directors.

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Executive Committee Risk Management Committee (RMC) The Executive Committee oversees the Bank’s The RMC is responsible for the development, oversight overall credit risk management policies and practices. and review of our risk management program, and It is tasked to regularly review and approve the approval of risk management principles, strategies, bank-wide credit strategy, profile, and performance. policies, and initiatives. It sets the risk appetite and It also approves the Bank’s credit risk-taking activities tolerances for the Bank and recommends these to the based on the established approving authorities and Board for approval and adoption. reviewing and endorsing credit-granting activities, including the Internal Credit Risk Rating System. The Committee is currently composed of five members of the Board. The Committee Chairman is a non- The Committee is composed of six directors, including executive member and an independent director. The the Vice Chairman & CEO and the Senior Executive RMC members possess a range of expertise and Vice President and COO. The Bank held 34 Regular adequate knowledge of our risk exposures, which is Each director receives a monthly professional Board Meetings Executive Committee Meetings from January to needed to develop appropriate strategies for preventing fee for attending Board and committee The Board holds a meeting for organizational December 2016, and three Special Executive or minimizing losses. meetings. This is also in consideration of their purposes immediately after election and regular Committee Meetings on April 28, May 26, & valuable contributions in the formulation and meetings once a month every calendar year. September 29, 2016. In 2016, the RMC held twelve Regular Meetings continuing review of the Bank’s overall strategy Special meetings of the Board may be called and one Special Meeting. and performance. Remunerations provided to at any time by the Chairman or by the Vice Executive Committee Members No. of Meetings Attended directors, as approved by the Board Compensation Chairman and CEO, or on written request of at Regular (34) Special (3) RMC Members No. of Meetings Attended Committee, amounted to PhP12 million in 2016 least a majority of the directors. The table below Jonathan T. Gotianun - Chairman 32 3 Regular (12) Special (1) and PhP13.4 million in 2015. summarizes the attendance of directors in Board Antonio C. Moncupa Jr. 34 1 Jose S. Sandejas* - Chairman 12 1 meetings in 2016. Mercedes T. Gotianun 32 3 Paul A. Aquino* 12 1 Shareholder Communication 1 Lourdes Josephine T. Gotianun-Yap 32 2 Carlos R. Alindada* 3 Our Board and management stay connected Board Committees and Attendance 2 Jose Emmanuel U. Hilado* 19 1 Jonathan T. Gotianun 7 1 with our shareholders. We engage and inform We have seven Board-level committees created Lourdes Josephine T. Gotianun-Yap 1 3 our shareholders through our annual meeting of to assist the Board in performing its duties and Atty. Benedicto M. Valerio Jr. 32 3 Antonio C. Moncupa Jr. 2 7 shareholders, annual report, general information responsibilities and ensure efficiency and focus. * Resigned as of June 1, 2017 Wilson L. Sy 2 6 1 sheet, quarterly financial reports, news releases, and other meetings. Our website provides *Independent Director 1 Former committee member (January-March 2016) extensive information about the Board, its Corporate Governance and Compliance Committee 2 New committee member (Effective April 2016 onwards) mandate, the Board committees and their (CGCC) charters, and our directors. The CGCC oversees the Bank’s overall corporate governance and compliance system. It oversees the Audit Committee effective implementation of our compliance system The Audit Committee is tasked with conducting Board Attendance. In 2016, the Bank held 12 Regular Board Meetings from January to December 2016, one Special and the Money Laundering Prevention Program, independent examinations of the Bank’s internal Board Meeting on April 15, 2016, and one Organizational Meeting on April 28, 2016 or a total of 14 Board Meetings. ensuring that compliance issues are resolved control system. Specifically, it examines the major No. of Meetings Attended expeditiously. It also serves as the Board’s risk exposures and ensures accountability on the Nomination Committee. part of management to monitor and control such Directors Regular (12) Special (1) Organizational (1) exposures including the risk assessment and risk Jonathan T. Gotianun - Chairman 11 1 1 The Committee is composed of five directors, three management policies. It also probes major issues that Antonio C. Moncupa Jr. 9 1 1 of whom are independent directors, including the involve accounting principles and financial statement Mercedes T. Gotinuan 10 1 1 committee chairman. It held six Regular Meetings presentation, including any significant changes in Lourdes Josephine T. Gotianun-Yap 9 1 1 and five Special Meetings in 2016. selection or application of accounting principles. Other major issues it looks into are the adequacy of internal Paul A. Aquino* 12 1 1 CGCC Members No. of Meetings Attended controls, the effect of regulatory and accounting Jose S. Sandejas* 12 1 1 Regular (6) Special (5) initiatives, as well as off-balance sheet structures, Carlos R. Alindada* 12 1 1 Paul A. Aquino* - Chairman 6 5 on the financial statements. Wilson L. Sy** 8 1 Jose S. Sandejas* 6 5 Atty. Benedicto M. Valerio Jr. 12 1 1 Carlos R. Alindada* 6 5 *Independent Director Jonathan T. Gotianun 5 5 Antonio C. Moncupa Jr. 6 5 **Joined the Board on April 28, 2016 *Independent Director

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The Committee is composed of three members of Compensation Committee Independent Auditing To assist the Bank in instilling a culture of an effective the Board, all of whom, including the Committee The Compensation Committee ensures that the Audit is an essential part of our governance framework risk management, compliance, internal control and Chairman, are non-executive members and compensation policies and practices are consistent and internal control system. Our Internal Audit, which governance, IA developed and conducts a Control independent directors. It held twelve Regular with the corporate culture, strategy, and the performs year-round audits to check operational Appreciation and Fraud Awareness Training Workshop Meetings in 2016. business environment under which it operates. It efficiency, and our external audit firm, which validates for EastWest employees. It also formally collaborates evaluates and recommends to the Board incentives annually the accuracy of financial statements, work with the other governance units of the Bank, namely Audit Committee Members No. of Meetings Attended and other equity-based plans designed to attract independently and collaboratively to examine and Compliance and Risk Management, to optimize its Regular (12) and retain qualified and competent individuals. evaluate the controls in place and determine if they coverage through sharing of reports and information. Carlos R. Alindada* - Chairman 12 are working as intended. Paul A. Aquino* 12 The committee meets at least once a year and IA continues to develop its collective competencies Jose S. Sandejas* 12 provides overall direction on the compensation and Internal Audit through relevant trainings and certifications. Effective benefits strategy of the Bank. Internal Audit (IA), which provides functional support networking with other audit functions also keeps IA *Independent Director to the Audit Committee, is mandated to evaluate the abreast of best practices. Computed Assisted Auditing It is composed of five members, including the Vice effectiveness as well as recommend appropriate Techniques (CAATs) are constantly enhanced and Chairman & CEO and an independent director. courses of action to senior management and the Board developed to increase the use of available technology Trust Committee to improve the Bank’s risk management, compliance, and expand continuous auditing capabilities to improve The Trust Committee is primarily responsible Compensation internal controls, and corporate governance processes. IA’s operational efficiency and productivity. No. of Meetings Attended for the proper management of trust and other Committee Members fiduciary activities of the Bank. It also performs Regular (1) IA activities are conducted in accordance with the External Audit the following functions: Lourdes Josephine T. Gotianun-Yap - 1 International Standards for the Professional Practice The Bank’s external audit firm is Sycip Gorres Chairman of Internal Auditing (ISPPIA) and the Code of Ethics. Velayo & Co. (SGV & Co.), which has been providing • Acceptance and closing of trust and other Mercedes T. Gotianun 1 independent audit or review of the Bank’s financial fiduciary accounts Jonathan T. Gotianun 1 To provide evidence of the quality of the function statements for the past 22 years, with the signing • Initial review of assets placed under the to stakeholders, EastWest Bank Internal Audit has partners rotated every five years as required by law. trustee’s fiduciary custody Antonio C. Moncupa Jr. 1 undergone an External Quality Assessment Review • Investment, re-investment, and disposition Jose S. Sandejas* 1 (EQAR) conducted by PricewaterhouseCoopers The Audit Committee is responsible for the of funds or property *Independent Director (PwC). In the PwC report dated February 20, 2014, appointment, reappointment, and removal of external • Review and approval of transactions between IA practices and activity were found to be “Generally auditors, and approves the terms of audit engagement trust and/or fiduciary accounts, and Conformed” on all eleven (11) ISPPIA, Code of Ethics. and the audit fees and fees for non-audit services, if • Periodic review of trust and other fiduciary Related Party Transactions (RPT) Committee This is the highest EQAR rating an IA function can any. accounts to determine the advisability of In accordance with BSP guidelines, the Bank obtain. retaining or disposing of the trust or fiduciary created the RPT Committee in 2016 to assist assets and/or whether the account is being the Board in ensuring that transactions between Fiscal Year Audit Fees and Other Related Fees (in PhP) Quality assessment (QA) of an external independent managed in accordance with the instrument the Bank and its related parties are handled in a 2016 6,313,750 team of qualified audit professionals is a requirement 2015 8,675,000 creating the trust or other fiduciary relationship. sound and prudent manner, with integrity, and in of Standard 1312 of the ISPPIA every five years. BSP 2014 3,500,000 compliance with applicable laws and regulations Circular 871 requires compliance with these standards It is composed of five members, including the Vice to protect the interest of depositors, creditors, and as well. The next EQAR of EW Internal Audit is due in Chairman & CEO and a Trust Officer of the Bank. other stakeholders. It also makes sure that RPTs are 2018. The Committee held four Regular Meetings conducted at arm’s length and that no stakeholder SGV & Co. is again recommended for appointment at and two Special Meetings in 2016. is unduly disadvantaged. the 2017 Annual Stockholders’ Meeting. The Audit Committee reviews the Internal Audit Charter, as well as its own charter, on an annual basis The Committee is composed of four Directors, three Cascading Compliance Trust Committee Members No. of Meetings Attended to reassess its adequacy and relevance. There had of whom are independent directors, including the It is our firm belief that compliance with corporate Regular (4) Special (2) been no revisions on both charters in 2016. The Audit committee chairman. It held four Regular Meetings governance standards and regulatory guidelines and Jonathan T. Gotianun - Chairman 2 2 Committee Charter was last revised and approved and four Special Meetings in 2016. directives is the responsibility of everyone in the Lourdes Josephine T. Gotianun-Yap* 2 1 on April 23, 2015, based on the provisions of BSP organization. Each employee is expected to have a Antonio C. Moncupa Jr. 4 2 Circular 871. RPT Committee Members No. of Meetings Attended working knowledge of all relevant laws, rules and Atty. Benedicto M. Valerio Jr. 3 2 regulations applicable to his assignment and must Regular (4) Special (4) IA, through its Charter, continues to be an independent Angel Marie L. Pacis** 4 2 fulfill his tasks in compliance with the Bank’s policies, Paul A. Aquino* - Chairman 4 4 function. It reports functionally and has full and free code of conduct and standards of good governance. *Replaced Andrew Gotianun Sr. Jose S. Sandejas* 4 4 **Resigned as of March 2017 access to the Audit Committee. It has the authority Carlos R. Alindada* 4 4 to access all functions, information, documents, Jonathan T. Gotianun 3 4 properties, systems and personnel, and is provided with adequate resources to effectively discharge its *Independent Director function.

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The Compliance Office headed by the Chief Every member of our organization is made Information is deemed properly disseminated via Whistle-Blowing Policy Compliance Officer is vested with the role of aware of these policies, and the Board of disclosures in the form of SEC filings, PSE disclosures, Our ethical culture is supported by an environment designing the Bank’s Compliance Program Directors and Senior Management commit press releases, or placements on our website. We where concerns can be raised without fear of and overseeing and coordinating its effective themselves to the principles and best practices prohibit any of the Bank’s directors, officers, and retaliation. We provide various means for raising implementation towards the sound management contained in this manual. An electronic copy of employees privy to sensitive or material information concerns, including the ability to report them on an of business and compliance risks. It is also its the manual is available in EastWest’s corporate about our company, products, or services to pursue anonymous basis. All reports are investigated, and responsibility to propagate the right compliance website, www.eastwestbanker.com. agreements or transactions involving those products breaches of the Code of Discipline and Ethics are culture across the organization. or services in his or another person’s behalf. dealt with swiftly and decisively. Conflict of Interest We have appointed Business Compliance We seek to ensure transparency and fairness in Related Party Transactions Our program known as EthicsDirect encourages Officers (BCOs) in every unit of the Bank who all our dealings with stakeholders and our public. We have formulated and implemented policies employees, clients, shareholders, and third-party are responsible for ensuring the consistent We have established policies to prevent potential and procedures that would ensure the integrity and partners to report any incident or knowledge of implementation in his unit of the Board-approved conflict of interest, which we have defined as any transparency of related party transactions (RPT) misconduct, irregularity, or breach of ethics that can go Compliance Program. As designated by the situation wherein our directors, officers, and between and among the Bank and our parent against the interest of the Bank and its stakeholders. Vice Chairman & CEO, the heads of our business employees have a competing interest against the company, joint ventures, subsidiaries, affiliates, Each whistleblower’s identity is well-protected. units are automatically assigned to perform this Bank or our customers. All our directors, officers, major stockholders, officers, and directors, and role, having the sole responsibility for efficiently and employees are prohibited from engaging in relevant parties. As these transactions may give rise Various channels of communication – including direct running the day-to-day operations in his unit. any transaction where their personal interests to a conflict of interest, we keep them at an arm’s supervisors and managers, a designated officer, and The BCOs are each tasked to appoint a Deputy could compromise their judgement or ability to length basis and afford such related party no special the Whistle Blowing committee – are open and ready Business Compliance Officer (DBCO) to serve as act in the best interest of the Bank or our favor or treatment. to accommodate complaints and reports of undesirable their eyes on the ground and facilitate faster and customers. acts and behavior. easier coordination with the Bank’s Compliance Our RPT Committee conducts a periodic review of Office. The Code of Discipline and Ethics governs RPT policies and procedures, including materiality Employee Health, Safety, and Wellness conflict of interest in all employees, and any thresholds and internal limits and endorses revisions, We treat the health, safety, and well-being of our In addition, our governance units, namely inquiry into this matter is coursed through the if necessary, for Board approval. employees as a benchmark for the success of our Compliance, Risk Management, and Internal Human Resources Group and duly discussed with corporate governance. We provide health insurance, Audit, coordinate and work together in meeting the employee’s direct supervisor and the chief Anti-Money Laundering group life insurance, and retirement benefits to all the common governance, risk management and compliance officer. EastWest sees current policies to combat money full-time employees to help guard their wellness. internal controls goals of the Bank. laundering as an opportunity to increase our vigilance Dividend Policy and our knowledge of our customers. We continue In addition, we built and continue to improve the Making Good Governance Work Dividends may be declared from the surplus to comply with the provisions of the Anti-Money EastWest Academy to form a learning community It is important for all our stakeholders that we profits arising from the business of the Bank at Laundering Act (AMLA), with our Compliance Office where EastWestbankers hon e thei r skil ls and act with integrity, transparency, and accountability such time and in such percentage as the board overseeing our overall direction in this area. We build co mpetencies in the ir sp ecific dis ciplines. We in the Bank. And our commitment goes beyond of directors may deem proper. No dividends may strengthened our AML program in 2016 and ensured also organized unit representatives into an Employee the close of every banking day. We strive to be declared that will impair the Bank’s capital. continuity by enhancing transaction monitoring and Relations Council to address employee concerns and earn trust in the way we manage our business Stock dividends shall be declared in accordance keeping in touch with news and developments in the grievances. responsibly at every encounter. with the law. market that could create huge reputational risks apart from actual financial damage. Ecological Protection Corporate Governance Manual Insider Trading We uphold the pressing responsibility of protecting the Our strong focus on upholding the highest As a publicly listed company, we are governed by We take pride in having 100% awareness of our environment through water and energy conservation corporate governance principles is enshrined the rules of the Philippine Stock Exchange (PSE) anti-money laundering policy in our ranks, as it is a programs we have put in place. We do our share in in our Corporate Governance Manual. The and the Securities and Exchange Commission foundational training course for each member of the carbon reduction through policies that make our value manual was designed to define the framework (SEC) in disclosing trading transactions from organization. Even those who are not in the frontlines chain eco-friendly and consistent with the sustainability of rules, systems, and processes governing the directors to principal officers. Our internal policy are required to take the course to know the basic rules goals that other banks and industries have purposely performance of the Board and EastWest requires all these individuals to secure prior and protect the business. In the stores, we conduct set to achieve going forward. management. It establishes the structure by clearance in any trading transaction, as well specialized AML courses and briefings during service which we carry out corporate governance, and as to inform our Investor Relations Office and and sales clinics to reinforce proper client identity serves as reference for all the members of the the Office of the Corporate Secretary on such process from onboarding to continuous monitoring of Board and senior management in the conduct of trading transactions within one banking day after account activity and all other controls that ensure the their duties and responsibilities. transaction execution. Bank’s protection against unlawful activity.

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Material Related Party Transactions as of December 31, 2016 (Amounts in Pesos) Related Nature of Transaction/ Approved Amount/ Outstanding Counterparty Transaction Type Term of Transaction Contract Price Amount Related Nature of Transaction/ Approved Amount/ Outstanding Counterparty Transaction Type Term of Transaction Contract Price Amount Filinvest Lifemalls Lease agreement (See Note) 10 years at prevailing rates 25,281,682 25,281,682 Corporation in the area Subsidiaries/Affiliates Filinvest Land Inc. Lease agreement (See Note) 10.16 years at prevailing rates 19,617,806 19,617,806 East West Rural Bank, Inc. Domestic Bill Purchase Line Settlement upon clearing 1,150,000,000 0 in the area (DBPL) of checks Sub-total - DOSRI FDC East West Rural Bank, Inc. Cash Advances Daily Settlement 88,692,500 88,692,500 Group Lease agreements East West Rural Bank, Inc. Accounts Payable on Monthly Settlement 4,418,047 4,418,047 with Stores 44,899,488 44,899,488 Collections of Loans Sold Total DOSRI-FDC Group 17,666,749,488 11,861,758,081 East West Rural Bank, Inc. Advances by EWRB for Monthly Settlement 110,117 110,117 various expenses Algon Engineering Standby LC (SBLC) 360 days at prevailing 8,000,000 8,000,000 East West Rural Bank, Inc. Accounts Receivable on Monthly Settlement 144,204,333 144,204,333 Construction Corporation fee rate Collections of Loans Crescita United, Inc. Short Term Loan (STL) 1 year at prevailing 25,000,000 24,000,000 Purchased and Credit Card market rates Payments JY Aspen Corporation Short Term Loan (STL) 2 year at prevailing 17,000,000 17,000,000 East West Rural Bank, Inc. Advances by EWBC for Monthly Settlement 9,899,150 9,899,150 market rates various expenses Antonio C. Moncupa Revolving Credit Facility 1 year at prevailing 21,500,000 0 East West Rural Bank, Inc. Sale of Loans Settlement on the 39,732,950 39,732,950 market rate date of sale Task Force Marketing Inc. Standby LC (SBLC) 1 year at prevailing fee rate 40,000,000 38,000,000 East West Rural Bank, Inc. Purchase of Loans Settlement on the 5,203,040,865 5,203,040,865 Wealth Securities Inc. Domestic Bill Purchase Line 1 year at prevailing market 25,000,000 0 date of purchase (DBPL) rates for returned checks Sub-total - Nick’s Lumber & Hardware, Inc. Lease agreements (See Note) 8.91 years at prevailing rates 22,536,997 22,536,997 EW Rural Bank, Inc. 6,640,097,961 5,490,097,961 in the area East West Insurance Advances by EWBC for Monthly Settlement 3,301,790 3,301,790 Total DOSRI-FDC Group 159,036,997 11,971,295,078 Brokerage various expenses Total DOSRI 17,825,786,484 11,971,295,078 East West Ageas Life Advances by EWBC for Monthly Settlement 471,376 471,376 Insurance Corporation various expenses Other Related Parties Price Solutions Philippines Inc. Advances by EWBC for Monthly Settlement 6,282,424 6,282,424 E-Business Services, Inc. FX Line/Domestic Standby 1 year at prevailing market 2,465,000,000 0 (PSPI) various expenses LC/DBPL rate for lines and prevailing Assurance Solutions Insurance Advances by EWBC for Monthly Settlement 31,029 31,029 fee rate for SBLC Agency, Inc. various expenses Philequity Dividend Yield Fund Inc. Domestic Bill Purchase Line 1 year at prevailing market 20,000,000 0 Sub-total - Other (DBPL) rates for returned checks Subsidiaries and Affiliates 10,086,619 10,086,619 Philequity Dollar Income Fund Inc. Domestic Bill Purchase Line 1 year at prevailing market 20,000,000 0 Total - Subsidiaries (DBPL) rates for returned checks and Affiliates 6,650,184,580 5,500,184,580 Philequity Fund Inc. Domestic Bill Purchase Line 1 year at prevailing market 100,000,000 0 (DBPL) rates for returned checks DOSRI Philequity Management Inc. Domestic Bill Purchase Line 1 year at prevailing market 20,000,000 0 Filinvest Development Term Loan 3.33 years at prevailing 5,621,850,000 5,621,850,000 (DBPL) rates for returned checks Corporation market rates 5,000,000,000 5,000,000,000 Philequity Peso Bond Fund Inc. Domestic Bill Purchase Line 1 year at prevailing market 20,000,000 0 FDC Misamis Power Corporation Term Loan 13.5 years at prevailing (DBPL) rates for returned checks market rates Philequity PSE Index Fund Inc. Omnibus Line and Revolving 1 year at prevailing market 20,000,000 0 rates for returned checks Sub-total - 1 year at prevaling market rate 129,095,000 DOSRI FDC Group 10,621,850,000 10,621,850,000 Vantage Equities Inc. Promissory Note Line 250,000,000 Sub-total - Other RPT FDC - Aggregated Approved 7,000,000,000 Wilson Sy Group 2,915,000,000 129,095,000 Credit Line Pacific Sugar Holdings Standby LC (SBLC) 1 year at prevailing fee rates 347,410,105 Aggregated approved credit line 25,000,000 Corporation of 25mln Cotabato Sugar Central Revolving Promissory Note 1 year at prevailing 150,000,000 MR Server Corporation Revolving Promissory Note 1 year at prevailing market rate 10,350,000 Company, Inc. Line (RPN) market rate Line (RPNL) High Yield Sugar Farms Loan Line, Letter of Credit Trust 1 year at prevailing Prebeo Ventures, Inc. Short Term Loan (STL) 1 year at prevailing market rate 10,000,000 Receipt (LCTR), Domestic market rate Sub-total - Other RPT with Bill Purchase Line (DBPL) aggregated credit line of 25mln 25,000,000 20,350,000 Davao Sugar Central Letter of Credit (LC) 1 year at prevailing fee rates 1,955,985 Tonichi Group International, Inc. Revolving Promissory Note 1 year at prevailing market rate Company, Inc. 11,000,000 10,000,000 Line (RPNL) Filinvest Land Inc. Letter of Credit (LC) 1 year at prevailing fee rates 2,772,341 Main Line Enterprises Revolving Promissory Note 1 year at prevailing market rate Filinvest Land Inc. Collection Fees Yearly Settlement 1,517,808 130,000,000 104,000,000 Line (RPNL) Cyberzone Properties Inc. Letter of Credit (LC) 1 year at prevailing fee rates 22,132,916 Pacific etV Group Revolving Promissory Note 1 year at prevailing market rate Philippine DCS Letter of Credit (LC) 1 year at prevailing fee rates 86,015,600 75,000,000 56,500,000 Line (RPNL) Development Corporation Sea Bass Carriers Inc. Revolving Promissory Note 1 year at prevailing market rate Filinvest Alabang Inc. Letter of Credit (LC) 1 year at prevailing fee rates 31,816,837 110,000,000 106,183,333 Line (RPNL) FDC Utilities Standby LC (SBLC) 1 year at prevailing fee rates 151,387,001 and Auto Loan Sub-total - Other RPT 326,000,000 276,683,333 FDC Misamis Power Standby LC (SBLC) 1 year at prevailing fee rates 400,000,000 Total Other Related Parties 3,266,000,000 426,128,333 Corporation TOTAL MATERIAL RELATED Sub-total - DOSRI FDC PARTY TRANSACTIONS 27,741,971,064 17, 897, 607,991 Group with aggregated

credit line of 7bln 7,000,000,000 1,195,008,593 Note: Contract Price and Outstanding Amount is for the entire term of the lease agreement.

[ 42 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 43 ]

EWBC 2016 AR June 7.indd 42 6/15/17 11:38 AM EWBC 2016 AR June 7.indd 43 6/15/17 11:38 AM Board of Directors

JONATHAN T. GOTIANUN ANTONIO C. MONCUPA JR. MERCEDES T. GOTIANUN LOURDES JOSEPHINE Chairman Vice Chairman & Director GOTIANUN-YAP Chief Executive Officer Director

Age & Nationality: Age & Nationality: Age & Nationality: Age & Nationality: 64 years old, Filipino 58 years old, Filipino 88 years old, Filipino 62 years old, Filipino

Board Position: Board Position: Board Position: Board Position: Chairman of the Board since April 2007 Director and Chief Executive Officer since 2007 Director since 1995 Director since August 2000 and Vice Chairman since May 1, 2017 Committees: Committees: Committees: Chairman of the Executive and Trust committees; Committees: Member of the Executive, Compensation, Chairman of the Compensation Committee; member of Corporate Governance & Compliance, Member of the Executive, Corporate Governance and Trust committees member of the Executive and Trust Risk Management, Compensation, and Related & Compliance, Risk Management, and committees Party Transaction committees Compensation committees Concurrent Positions: Director of Filinvest Development Corp., Concurrent Positions: Concurrent Positions: Concurrent Positions: Filinvest Land, Inc., A. L.Gotianun, Inc., President and Chief Executive Officer of Chairman of Filinvest Development Corp., Director of Pasberfund Realty Holdings, East Andremerc Holdings Corp., Pacific Sugar Filinvest Land, Inc.; President and Director Filinvest Land, Inc., Cotabato Sugar Central Co., West Rural Bank, Inc., Bancnet, Inc., Philippine Holdings Corp., Davao Sugar Central Corp., of Filinvest Alabang, Inc., Filinvest Inc., Davao Sugar Central Co., Inc., CountryWide Rural Reconstruction Movement, and East West Cotabato Sugar Central Company Inc., Development Corp., and Festival Supermall, Water Services, Inc., East West Rural Bank, Inc., Leasing & Finance Corp. High Yield Sugar Farm Corp., and FDC Inc.; Chairman of Filinvest Asia Corp., East West Ageas Life Insurance Corp., and East Utilities, Inc.; Vice Chairman of Filinvest Cyberzone Properties, Inc., and The Palms West Leasing and Finance Corp.; Director of Past Positions: Alabang, Inc. Country Club; Director of East West Ageas Filinvest Alabang, Inc., FDC Misamis Power Corp., President of EastWest Bank; Director of Life Insurance Corp. FDC Utilities, Inc., and FDC Hotels Corp.; Director East West Ageas Life Insurance Corporation; Education: and Vice President of Pacific Sugar Holdings Corp. Executive Vice President and Chief Financial Pharmacy degree, Magna cum laude, Education: Officer of the International Exchange Bank from the University of the Philippines Business Management degree from the Past Positions: Ateneo de Manila University and Masters in Vice Chairman and Director of EastWest Bank Education: Business Administration, Major in Finance From 1994 to 2007 Double degree in Economics and Accounting degree from the University of Chicago from the De La Salle University and Masters Education: in Business Administration degree from the Commerce degree from the Santa Clara University University of Chicago in California and Masters in Management degree from the Kellogg School of Management, Northwestern University in Evanston, Illinois, USA

[ 44 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 45 ]

EWBC 2016 AR June 7.indd 44 6/15/17 11:38 AM EWBC 2016 AR June 7.indd 45 6/15/17 11:39 AM Board of Directors

CARLOS R. ALINDADA PAUL A. AQUINO JOSE S. SANDEJAS WILSON L. SY JESUS ROBERTO S. REYES BENEDICTO M. VALERIO JR. Independent Director Independent Director Independent Director Director President, Deputy Chief Executive Corporate Secretary Officer & Director

Age & Nationality: Age & Nationality: Age & Nationality: Age & Nationality: Age & Nationality: Age & Nationality: 80 years old, Filipino 74 years old, Filipino 77 years old, Filipino 64 years old, Filipino 58 years old, Filipino 58 years old, Filipino

Board Position: Board Position: Board Position: Board Position: Board Position: Board Position: Independent Director since Independent Director since October 2009 Independent Director since Director since April 2016 President and Deputy Chief Executive Corporate Secretary since April 2007 April 2002 April 2002 Officer since May 1, 2017 and and Director from July 2012 to April Committees: Committee: Director since April 27, 2017 2017 Committees: Chairman of the Corporate Governance Committees: Member of the Risk Management Chairman of the Audit Committee; & Compliance Committee and Related Chairman of the Risk Management Committee Committees: Concurrent Positions: member of the Corporate Governance Party Transaction Committee; member Committee; member of the Corporate Member of the Executive, Corporate Secretary of East West & Compliance Committee and of the Audit and Risk Management Governance & Compliance, Audit, Concurrent Positions: Compensation, Risk Management, Ageas Life Insurance Corp., Ardent Related Party Transaction Committee committees Compensation, and Related Party Chairman of Wealth Securities, Inc.; Corporate Governance & Compliance, Development Corp., Hospitality Int’l., Transaction committees Director of Vantage, Securities, Inc., and Trust committees Inc., Lodging Concepts, Inc., Tribal Concurrent Positions: Concurrent Positions: Philequity Management, Inc., eBusiness DDB, Inc., Monserrat Holdings, Inc., Independent Director of Tanduay Independent Director of East West Ageas Concurrent Positions: Services, Inc., Pacific Online Systems Concurrent Position: and Hospitality Innovations, Inc. Distillers, Inc., Bahay Pari Solidaritas Life Insurance Corp. and Skycable, Inc.; Chairman of Diversified Holdings, Inc., Corp., Leisure & Resorts World Corp., Director of East West Ageas Life Fund, and Datem, Inc. President of Keitech (Kananga EDC Primegates Property, Inc., Sun Oil, Inc., Asian Alliance Holdings Corp., Xcell Insurance Corp. Past Positions: Institute of Technology); Honorary Consul Radix, Inc., Ostrea Mineral Laboratories, Property Ventures, Inc., Monte Oro Assistant Corporate Secretary and Past Positions: of the Government of Malta; Adviser of Inc., and PAREF School; Chairman Resources & Energy, Inc., Sinag Energy Past Positions: General Counsel of International Chairman and Managing Partner of Energy Development Corp.; Trustee of and President of MFI Foundation; Vice Philippines, Inc., Philippine Stock Treasurer and Chief Financial Officer Exchange Bank SGV & Co.; Director of the National Tanging Yaman Chairman of Marubeni Scholarship Exchange, Inc., MORE Coral Corp., of Union Bank of the Philippines Power Corp.; Commissioner of the Foundation, Inc.; Trustee of Philippine MORE Minerals Corp., MORE Reedback Education: Energy Regulation Commission Past Positions: Cancer Society; Director of TCGI Corp., and MORE Oil & Gas Corp. Education: Commerce degree from the President of Green Core Geothermal, Inc. Engineers, Taikisha Phils., Inc., and Mechanical Engineering degree from De La Salle University, Bachelor Education: and Corinthian Securities, Inc. De La Salle University - Lipa Past Positions: the University of the Philippines-Diliman of Laws degree from the Ateneo Accounting degree from the University Chairman of the Philippine Stock and Masters in Business Management de Manila University, and Masters of the East and Masters in Business Education: Past Positions: Exchange from 1996-1998 and degree from the Asian Institute of in Business Administration degree Administration in Corporate Finance Electrical Engineering degree and a Director of , Asian Director of Yehey! Corporation and Management from the Ateneo Graduate School degree from New York University; Masters in Business Administration degree Hospital, Inc., and Asia United Banking International Exchange Bank of Business finished an Advance Management from Santa Clara University in California; Corporation Program at Harvard University conferred a Doctor of Management Education: Science (Honoris Causa) degree by Education: Management Engineering degree from the Philippine School of Business Chemical Engineering degree from the the Ateneo de Manila University Administration De La Salle University and Materials Engineering doctorate degree from the Rensselaer Polytechnic Institute

[ 46 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 47 ]

EWBC 2016 AR June 7.indd 46 6/15/17 11:39 AM EWBC 2016 AR June 7.indd 47 6/15/17 11:39 AM Senior Management

MARIA ALICIA C. ARNALDO SVP, Chief Finance Officer, ANTONIO C. MONCUPA JR. and Finance & Technology JOSEPHINE F. FERNANDEZ Vice Chairman and Chief Head SVP and Human Resources Executive Officer JESUS ROBERTO S. REYES • 18 years of banking Head • Over 31 years of banking President and Deputy Chief experience • Over 30 years of banking experience experience Executive Officer • Former FVP, Chief Risk • Former EVP & CFO of • Former Senior HR Executive • Over 30 years of banking Officer, and Head of Strategy International Exchange Bank of Bank of the Philippine experience of International Exchange • Graduate of De La Salle Islands, , and • Former Treasurer and Chief Bank and Former Director University, double degrees in Bank of Tokyo-Mitsubishi UFJ Financial Officer of for Marketing Operations Economics and Accounting, (Manila) • Graduate of the University and Asia-Pacific Business and University of Chicago, • Graduate of the University of the Philippines-Diliman, Development of SunGard MBA of the Philippines-Diliman, B.S. Mechanical Engineering, Financial Systems (now FIS) Business Administration, and Asian Institute of • Graduate of Ateneo de Manila and San Sebastian College, Management, Masters in University, B.S. Management Bachelor of Laws Business Management Engineering

DOMINGO V. GUANIO MARIA RITA M. NISPEROS SVP, Chief Information SVP and Bank Marketing Officer, and Technology & Corporate Communications Head Head • Combined 30 years experience GERARDO SUSMERANO • 33 years of professional experience in marketing, strategy, and sales SEVP and Retail • Former Senior IT Consultant in fast moving consumer goods Banking Head for PSBank, SVP for and pharmaceuticals • Over 22 years of banking Operations in Metrobank, • Former Asia Pacific Franchise experience President of IT Outsourcing Regional Director at Johnson & • Former Center Head of JACQUELINE S. FERNANDEZ and BPO subsidiaries Johnson, Business Unit Lead International Exchange Bank EVP and Consumer of Software Ventures Philippines and Malaysia at • Graduate of the University of Lending Head International, IT Manager Pfizer Sto. Tomas, B.S. Accounting, • Graduate of De La Salle • Over 33 years of banking for BPI and Asian Institute of University, B.A. Asian Studies, experience • Graduate of Ateneo de Management, MBA Cum Laude • Former Head of Consumer Manila University, B.S. • Completed all academic Credit of Standard Chartered Management Engineering requirements at Ateneo Bank Philippines Graduate School of Business, • Graduate of the University of MBA-Health the Philippines-Diliman, B.S. Economics and MBA ELOIDA F. OQUIALDA SVP and Chief Audit Executive • Over 25 years of banking experience • Former FVP & Department Head of the Internal Audit Division of Rizal Commercial Banking Corporation • Graduate of the Polytechnic University of the Philippines, B.S. Accountancy • Certified Public Accountant, Certified Information Systems Auditor, Certified Internal Auditor, and Certified Risk and Information Systems Control

[ 48 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 49 ]

EWBC 2016 AR June 7.indd 48 6/15/17 11:39 AM EWBC 2016 AR June 7.indd 49 6/15/17 11:40 AM Senior Management

RENATO P. PERALTA ABIGAIL TINA ERNESTO T. UY FVP and Credit M. DEL ROSARIO SVP and Corporate Management Head SVP and Wealth Banking Head • Over 30 years experience in Management Head • Over 32 years of banking credit, account management, • Over 30 years of experience FX trading, and stock professional experience • Former SVP and Unit Head brokerage • Former Country Head of of BDO • Former UCPB Securities Head Retail Banking and Wealth • Graduate of De La Salle • Graduate of Ateneo de Manila MA. BERNADETTE T. Management of Standard University, Industrial University, A.B. Economics RATCLIFFE Chartered Bank Philippines Management Engineering, FVP and Chief and Asian Institute of • Graduate of the University of Compliance Officer the Philippines, Technology, ME Industrial • Over 27 years of banking B.S. Business Management Engineering and Management experience • Former Chief of Staff of EastWest Bank’s President • Graduate of the University of the Philippines-Diliman, Business Administration & IVY B. UY LOURDES A. ONA Accountancy and MBA SVP and Regional VP and Legal Services Head • Certified Public Accountant GRACE N. ANG Branch Banking Head • Over 24 years experience FVP and Chief Risk Officer • 23 years of banking in the law practice, the last • Over 15 years of banking experience 13 years of which is with the experience • Former Center Head- banking industry • Former Senior Manager of Manila Area of International • Former Legal Counsel of International Exchange Bank Exchange Bank Union Bank of the Philippines • Graduate of De La Salle • Graduate of the University • Graduate of Manuel L. University, B.S. Accountancy of Sto. Tomas, Hotel & Quezon College of Law, • Certified Public Accountant RODOLFO FILOMENO Restaurant Management, Bachelor of Laws and Asian Institute of • Certified Public Accountant T. PARPAN Management, Management VP and Bank Operations Head Development Program • 25 years of general management, operations, sales & marketing, and business development experience • Co-founder and former Chief Operating Officer and Chief Commercial Officer of Coalescent GINA MARIE C. GALITA Resourcing, Inc. FVP and Customer Service Head • Graduate of Ateneo De Manila University, A.B. Management • Over 25 years of banking experience Economics • Former Citiphone Head, • Graduate of De La Salle University, Bachelor of Science in Applied Mathematics specializing in Operations Research

[ 50 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 51 ]

EWBC 2016 AR June 7.indd 50 6/15/17 11:41 AM EWBC 2016 AR June 7.indd 51 6/15/17 11:41 AM Senior Officers Organizational Chart

Vice Chairman & CEO Marie Perpetua Socorre H. Castañeda Antonio C. Moncupa Jr. Rosalie D. Charvet Paulina L. Chua President & Deputy CEO Alexander Phillippe D. Crisologo Board of Directors Jesus Roberto S. Reyes Tiara Fatima Q. Cruz Alastair S. De Lara Senior Executive Vice President Efren O. Dela Cruz Jr. Gerardo Susmerano Alvin S. Dimla Corporate Secretary Francis Dennis R. Dungo Executive Vice President Eduardo S. Garcia Jacqueline S. Fernandez Anna Maria V. Gonzales Irene E. Guban Corporate Governance Related Party Senior Vice Presidents Ires C. Guzman Risk Management Trust Audit Executive Compensation & Compliance Transactions Committee Committee Committee Committee Committee Maria Alicia C. Arnaldo Macrina P. Lazo Committee Committee Abigail Tina M. Del Rosario Jocelyn C. Legaspi Josephine F. Fernandez Steve L. Lim Domingo V. Guanio Stephanie Belina F. Lorenzana Risk Trust Internal Compliance Maria Rita M. Nisperos Renato D. Lozon Audit Eloida F. Oquialda Maricel L. Madrid Ernesto T. Uy Manuel L. Manalastas Ivy B. Uy Maria Cecilia A. Mulimbayan Herman D. Nonato Vice Chairman First Vice Presidents Lourdes A. Ona & CEO Grace N. Ang Rodolfo Filomeno T. Parpan Yolanda L. De Claro Assissi C. Raval Gina Marie C. Galita Raymond T. Reboredo President & Deputy CEO Executive Elisa O. Go Ben Valentino U. Rodriguez Jr. Management Office Renato P. Peralta Ian Jericho Nazareth E. Ruiz Maria Bernadette T. Ratcliffe Paolo M. Salcedo Patrick Dennis L. Solosa Renato Z. Sampang Alessandro L. Villaraza Rafael Z. Sison Jr. Wealth Corporate Retail Consumer Bank Operations Management Distribution Banking Banking Lending Finance & Administrative Jeannette Yvonne M. Zagala Aylwin Herminia P. Tamayo Services Richard Chester C. Tamayo Vice Presidents Emmanuel V. Tandoc Investment Treasury Markets Josephine Vilma A. Abad Margaret S. Unson Banking Niccolo N. Aguirre Clarissa Maria A. Villalon Jennifer E. Alviar Ferdinand E. Yap Conrad Anthony Dominic L. Banal Information Credit Bank Marketing Legal Safety Maria Margarita C. Beltran Human Customer & Corporate Technology Management Services & Security Doli D. Cabahug Resources Service Communications Mary Jane D. Caliwan

[ 52 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 53 ]

EWBC 2016 AR June 7.indd 52 6/15/17 11:41 AM EWBC 2016 AR June 7.indd 53 6/15/17 11:41 AM Subsidiaries

insurance brokerage Fueling countryside aspirations Live sure, insure EastWest Bank’s universal banking license The insurance brokerage arm currently serves Barely four years since it started its operations as EWRB was able to produce phenomenal results in enabled it to venture into non-banking but allied retail and corporate clients, primarily those with a wholly owned subsidiary of EastWest Bank, East 2016. businesses to complete its suite of products and existing banking relationships through EastWest West Rural Bank, Inc. (EWRB) continues to make services that customers need. auto and mortgage loans. headway in addressing the banking needs of Filipinos Its net income reached 65% higher than the in underserved areas in the country. previous year. Intensified lending efforts led to a 62% In June 2015, the Bank obtained regulatory In the next five years, EastWest Insurance growth in total assets, while total deposits swelled to nod to enter the nonlife insurance brokerage Brokerage plans to expand its market beyond In 2016, EWRB widened its reach by setting up 16 PhP10.5 billion, nearly double the PhP5.4 billion it insurance brokerage industry through East West Insurance Brokerage, EastWest’s clientele base, initially targeting the new offices. Its network now spans 58 stores, 16 generated in 2015. Inc. (EastWest Insurance Brokerage). The wholly clients of EastWest parent company Filinvest extension offices, and 10 Other Banking Offices all owned subsidiary complements EastWest’s menu Group and corporate clients. This may enable over Luzon, Visayas, and Mindanao. EWRB will continue to develop and implement of loan products and makes access to protection the company to double its premium volume and programs, processes, and products to enhance its convenient for corporate and retail clients. commission income by 2017 and become one In addition, customers availing of the rural bank’s competitiveness and to reach out to more farmers, of the top 20 insurance brokerage companies. flexible and affordable loan products can also go government and private employees, SSS pensioners, In its first year of operations, EastWest to any EastWest Bank store with EWRB cross- entrepreneurs and teachers. Insurance Brokerage posted a net income after Peter Roy Locsin, President & Chief Executive Officer selling desks and any of the selected e-Biz branches tax of almost PhP16 million, translating to a nationwide. Standing from left: Sheila M. Bajado- Finance Services Group Leader; Elpidio F. Masbad III, President & CEO; Joseph Jay S. hefty return on investment of 36%. Even with Loayon, Asset Management Group Leader; Christopher S. a manpower complement of just eight people, The rural banking arm of EastWest stepped up its Basilio-Safety & Security Department Leader; Edgardo I. Isagon, the unit made a gross commission income of lending activities in its niche market and especially Corporate Governance Group Leader; and Jo Ann S. De Asis, PhP32 million from PhP110 million in premiums. designed its primary products —DepEd Teachers’ Customer Experience Group Leader Salary Loan, SME Business Loan, and SSS Seated from left: Hera A. Duka, Loans Management Group In November 2016, its Integrated Insurance Pensioners Loan — to suit the needs of its clients. Leader; Maria Cecille B. Minoza, People Management Group Brokerage System (IIBS) went live, making Leader; and Veronica G. Acuña-Store, Support Group Leader it more convenient for EastWest Insurance Due to its customer-centric approach and active Brokerage clients to get insurance policies. employee engagement initiatives that encourage and The new computerized system also made the reward innovation in all levels of its organization, end-to-end handling of clients’ needs more efficient.

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EWBC 2016 AR June 7.indd 54 6/15/17 11:41 AM EWBC 2016 AR June 7.indd 55 6/15/17 11:42 AM Subsidiaries Affiliate

Partnering for life

Troo is the bancassurance joint venture of EastWest In 2017, Troo is expanding its product suite to provide Fueling SMEs’ dreams with Ageas, one of Europe’s largest insurance savings and investment-based solutions in addition companies. to life protection covers. It is also investing in digital EastWest Bank expects to diversify its income During its startup years, the company plans to capabilities to connect with digital-savvy Filipinos. In sources and boost its core lending activities by develop and harness business partnerships with Just eight months after inking the JV agreement, partnership with SAP, one of the largest technology setting up wholly owned subsidiary East West major vendors or distributors of machinery and Troo launched its first product in February 2016 - companies in the world, Troo became the first Leasing & Finance Corporation (EastWest Leasing). heavy equipment, particularly targeting those in the the Mortgage Redemption Insurance - which insurer in the world to have an end-to-end cloud- construction industry and printing/publishing sector. provides insurance cover to EastWest’s home loan based solution. Pursuing their passion of helping In July 2016, the Bangko Sentral ng Pilipinas (BSP) It will also hold road shows in EastWest stores clients. In April 2016, Troo formally started operating Filipinos plan for a better tomorrow so they can live approved EastWest Bank’s equity investment into nationwide to heighten awareness on its menu within the EastWest premises with Troo Advisors their best life today, Troo plans to expand its reach EastWest Leasing of PhP100 million, ten times the of services that include competitively packaged serving clients in 48 EastWest stores in Metro to all EastWest stores. This will ensure that every minimum regulatory requirement. The subsidiary finance lease (direct lease and sale-and-lease back) Manila. Just two months later, it started offering EastWest customer will have the opportunity to get also got the green light from the Securities and and amortized commercial loans. credit life insurance to loan customers of EastWest professional advice and avail of life insurance from Exchange Commission (SEC) in October 2016. Rural Bank, a wholly owned subsidiary of EastWest. Troo Advisors operating out of their own store of Armando A. Inabangan Jr., President Rapidly expanding reach outside Metro Manila to account. EastWest Leasing will focus on providing cover Luzon, Visayas, and Mindanao, Troo Advisors alternative financing packages to the SME and were operating out of 282 EastWest stores by Seated from left: Mike Wood, Chief Actuary & Chief Risk Officer; end-December 2016. Johannes Loozekoot, President & Chief Executive Officer and corporate clients of EastWest during its first year of Michael de Vreugd, Chief Operating Officer. operations. Its mandate is to develop the leasing business and portfolio, thereby creating synergies Troo rolled out a suite of solutions that enabled Standing from left: Jennie Zheng, Chief Financial Officer; with the different business units of EastWest Bank Filipinos to reap the benefits of life insurance for Lois Vi Dalida, Chief Human Resources Officer; Calvin themselves and their families, provide for their Kohchet-Chua, Chief Legal & Compliance Officer; Ranjeetha and the Filinvest Group. Menon, Chief Marketing Officer; and Milot Valencia, Chief children’s education, and help them save up for Bancassurance Officer. While the country’s leasing industry dates retirement. By the end of the year, Troo has already back to the late 1950s, there are still plenty of helped 100,000 Filipinos protect what matters opportunities ahead for new players like EastWest most to them. Leasing, even as the market is dominated by major leasing companies that are mostly also subsidiaries of top domestic banks. While market competition is basically on pricing or providing low-interest rates, EastWest Leasing plans to differentiate itself based on value creation and better customer service.

[ 56 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 57 ]

EWBC 2016 AR June 7.indd 56 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 57 6/15/17 11:42 AM Products & Services

EASTWEST BANK Products & Services Trust Products Small & Medium Enterprise Banking Deposits Consumer Loans Corporate Credit Facilities Revolving Credit Facility Corporate Solutions Trade Check Discounting Line Checking Auto Loan Working Capital Loans Employee Benefit Trust / Retirement Account Revolving Promissory Note Line Basic Checking Auto Financing and Facilities Fund Management Term Loan Regular Checking Fleet Financing Short Term Loan ChequeMax Refinancing Revolving Promissory Note Personal Investment ChequeMax Rewards Revolving Credit Facility Personal Management Trust EASTWEST RURAL BANK Home Loan Trade Check Discounting Facility Investment Management Account Products & Services Savings Top-up Loan Investment Funds Basic Savings Home Equity Inventory Financing Deposits Passbook Savings Account Home Construct Floor Stock Revolving Facility EastWest Peso Money Market Fund Passbook Savings with Debit Card Reimbursement EastWest Peso Short Term Fund Regular Savings with Debit Card Home Acquire / Condo Acquire Trade Finance EastWest Peso Intermediate Term Bond Fund Current Accounts Super Saver Lot Acquire Domestic Letters of Credit with EastWest Peso Long Term Bond Fund Regular CA - Individual Kiddie Savings Trust Receipt Facility EastWest Dollar Intermediate Term Bond Fund Regular CA - Corporation Personal Loan Import Letters of Credit with Trust EastWest Dollar Long Term Bond Fund Time Deposits Receipt Facility EastWest PSEi Tracker Fund Savings Accounts Peso Time Deposit Salary Loan Other Types of Documentary EastWest PhilEquity Feeder Fund Company Savings Long Term Negotiable Credits with Trust Receipt Facility EastWest PhilEquity Institutional Feeder Fund New Ordinary Savings Certificates of Deposit Credit Cards Export Financing Facility Payroll & Business Savings EastWest Priority Banking Export Bills Purchase Facility Other Fiduciary ATM Savings Foreign Currency Visa Infinite Escrow Agency ATM Payroll USD Savings EastWest Platinum Mastercard Guarantees ATM Pension USD Time Deposit EastWest Visa Platinum Standby Letters of Credit (SBLC) Pension Savings RMB Savings EastWest Dolce Vita Titanium Domestic SBLC Cash Management Services DepEd ATM Savings RMB Time Deposit Mastercard Foreign SBLC ATM SSS Pension EUR Savings EastWest EveryDay Titanium Bank Guarantees Collection Services EUR Time Deposit Mastercard Committed Credit Line Auto Debit Arrangement Special Savings JPY Savings EastWest Gold & Classic Bills Collect JPY Time Deposit Mastercard Bills Purchase Line Check Collect Loans SGD Savings EastWest Gold & Classic Visa Domestic Bills Purchase Line Check Warehousing DepEd Teachers Salary Loan SGD Time Deposit EastWest Practical Mastercard Foreign Bills Purchase Line HMO Collection Business Loan GBP Savings Hyundai Mastercard SSS Pensioners Loan AUD Savings DLSAA Mastercard Term Financing Disbursement Services HKD Savings Term Loans Check Writing NZD Savings Project Finance Deposit Management System Electronic Invoice Payment & Presentment Supplier Payments Prepaid Cards Treasury Products Liquidity Management Services General Purpose Prepaid Card Foreign Exchange Account Sweeping Gift Card Spot Travel Money Card Forwards Payroll Services Payroll Crediting Services Fixed Income Payroll Assist Peso-denominated Government Payroll Timekeeping and Corporate Securities USD-denominated Government Other Services and Corporate Securities Government Payments

[ 58 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 59 ]

EWBC 2016 AR June 7.indd 58 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 59 6/15/17 11:42 AM Store Network as of May 31, 2017 (Equipped with ATM unless indicated)

METRO MANILA Alabang-Commerce Ave. Ayala Ave. - Makati Sky Plaza Banawe - N. Roxas Boni Ave. Congressional Ave. Spectrum Center, B28 Commerce Ave. G/F, Makati Sky Plaza Bldg. 42 Banawe Ave. G/F, Lourdes Bldg. II, 667 Boni Ave. Blk. 7 Lot 4A, Congressional Ave. 168 Mall cor. Spectrum Mid-way 6788 Ayala Ave., Makati City cor. Nicanor Roxas St., Quezon City Brgy. PlainView, Mandaluyong City Project 8, Quezon City 4/F, Unit 4H 09-11, Bldg. 5 Filinvest Corporate City Tel: (02) 750-6052 Tel: (02) 354-4980 Tel: (02) 655-9409 Tel: (02) 426-8587 168 , Soler St. Alabang, Muntinlupa City (02) 575-3888 loc. 8104 (02) 575-3888 loc. 8162 (02) 575-3888 loc. 8216 (02) 575-3888 loc. 8313 Binondo, Manila Tel: (02) 524-0875 Tel: (02) 708-4488 (02) 575-3888 loc. 8146 Ayala Ave. - MSE Banawe - Scout Alcaraz * Boni Serrano Ave. Cubao - Araneta Center (02) 575-3888 loc. 8130 G/F, Makati Stock Exchange Bldg. G/F, Units A to C, 740 Banawe Ave. 107 Boni Serrano Ave. G/F, Philamlife Bldg., Aurora Blvd. Alabang Madrigal Ayala Triangle, Ayala Ave., Makati City near cor. Sct. Alcaraz St., Quezon City Brgy. Lipunan ng Crame, Quezon City cor. Gen. Araneta St., Cubao 999 Shopping Mall G/F, CTP Alpha Bldg. Tel: (02) 659-8625 Tel: (02) 354-5043 Tel: (02) 532-1475 Quezon City 3/F, Unit 10 and 3C-2 Investment Drive (02) 575-3888 loc. 8105 Tel: (02) 575-3888 loc. 8156 (02) 575-3888 loc. 8572 Tel: (02) 709-7702 999 Shopping Mall 2 Madrigal Business Park (02) 575-3888 loc. 8232 C.M. Recto St., Tondo, Manila Ayala Alabang, Muntinlupa City Ayala Ave. - Rufino Benavidez C. Raymundo Ave. Tel: (02) 516-2120 Tel: (02) 850-8094 G/F, Unit 1, Rufino Bldg. Unit 103, One Corporate Plaza 172 C. Raymundo Ave. Cubao - P. Tuazon (02) 575-3888 loc. 8200 (02) 575-3888 loc. 8389 6784 Ayala Ave. cor. V.A. Rufino St. Benavidez St., Legaspi Village Brgy. Maybunga, City G/F, Prince John Condominium Makati City Brgy. San Lorenzo, Makati City Tel: (02) 640-5690 291 P. Tuazon Ave., Cubao A. Bonifacio-Balingasa Alabang-Westgate Tel: (02) 845-0096 Tel: (02) 812-0019 (02) 575-3888 loc. 8113 Quezon City G/F, 2/F and 3/F Westgate, Filinvest Corporate City (02) 575-3888 loc. 8213 Tel: (02) 575-3888 loc. 8197 Tel: (02) 913-4730 Units D and E, Winston Bldg. Alabang, Muntinlupa City - A. Mabini (02) 575-3888 loc.8302 880 A. Bonifacio Ave. Tel: (02) 771-0814 Ayala Ave. - SGV Better Living - Doña Soledad G/F, Gee Bee Bldg. Brgy. Balingasa, Quezon City (02) 575-3888 loc. 8336 SGV 1 Bldg., 6760 Ayala Ave. 100 Doña Soledad Ave. 428 A. Mabini St., Brgy. 15 Del Monte Tel: (02) 361-0632 Makati City Brgy. Don Bosco, Betterliving Subd. Zone 2, Caloocan City 271 Del Monte Ave. (02) 575-3888 loc. 8276 Amorsolo-Queensway Tel: (02) 621-9811 Parañaque City Tel: (02) 294-8403 cor. Biak na Bato, Quezon City G/F, Queensway Bldg. (02) 575-3888 loc. 8168 Tel: (02) 823-4284 (02) 575-3888 loc. 8144 Tel: (02) 367-1813 A. Mabini-R. Salas 118 Amorsolo St., Legaspi Village Tel: (02) 575-3888 loc. 8312 (02) 575-3888 loc. 8372 G/F and 2/F, Jesselton Tower Makati City Baclaran Chino Roces - Bagtikan 1453 A. Mabini cor. R. Salas Sts. Tel: (02) 511-7107 2/F, New Galleria Baclaran Better Living - Peru G/F High Pointe Bldg. Del Monte - D. Tuazon Brgy. 668, Zone 72, Ermita, Manila (02) 575-3888 loc. 8201 Shopping Mall, LRT South Terminal Blk. 9 Lot 3, Doña Soledad Ave. 1184 Chino Roces Ave. 155 Del Monte Ave. Tel: (02) 450-1083 Taft Ave. Ext. Pasay City cor. Peru St., Betterliving Subd. near cor. Bagtikan St. Brgy. Manresa Quezon City (02) 575-3888 loc. 8567 Annapolis Tel: (02) 851-3429 Parañaque City Brgy. San Antonio, Makati City Tel: (02) 416-4712 G/F, Unit 1-A, The Meriden (02) 575-3888 loc. 8397 Tel: (02) 511-1224 Tel: (02) 478-7781 (02) 575-3888 loc. 8535 Acropolis Condominium Bldg., Annapolis St. Tel: (02) 575-3888 loc. 8171 (02) 575-3888 loc. 8160 G/F, Unit 1B, Richmond Centre Bldg. Northeast Greenhills, San Juan City Baesa Town Center Divisoria * Blk. 11 Lot 46, E. Rodriguez Jr. Ave. Tel: (02) 705-1517 Baesa Town Center, Retail Store No. 4 BF Homes - Aguirre Chino Roces – Dela Rosa 802 Ilaya St., Binondo, Manila Brgy. Bagumbayan, Acropolis (02) 575-3888 loc. 8331 232 Quirino Highway, Baesa 327 Aguirre Ave., BF Homes G/F Kings Court II Bldg. Tel: (02) 244-9928 Quezon City Quezon City Parañaque City 2129 Chino Roces Ave. (02) 575-3888 loc. 8386 Tel: (02) 696-5995 Anonas Tel: (02) 990-4537 Tel: (02) 808-4963 cor. Dela Rosa St., Makati City (02) 575-3888 loc. 8142 94 Anonas St. cor. K-6th (02) 575-3888 loc. 8155 Tel: (02) 575-3888 loc. 8206 Tel: (02) 864-0792 Don Antonio Heights East Kamias, Quezon Cty (02) 575-3888 loc. 8396 Blk. 7 Lot 24, Holy Spirit Drive Alabang - Frabelle Tel: (02) 434-0057 Bagumbayan Bicutan - East Service Road Don Antonio Heights Frabelle Alabang Bldg. (02) 575-3888 loc. 8314 184-B, E. Rodriguez Jr. Ave. G/F, Waltermart Bicutan Chino Roces – La Fuerza Brgy. Holy Spirit, Quezon City 1100 Madrigal Business Park Bagumbayan, Libis, Quezon City East Service Rd. cor. Mañalac Ave. Units 10 to 11, La Fuerza Plaza 1 Tel: (02) 376-0817 Alabang-Zapote Road Aurora Blvd. - Anonas Tel: (02) 709-1729 Brgy. San Martin de Porres 2241 Don Chino Roces Ave., Makati City (02) 575-3888 loc. 8153 Alabang, Muntinlupa City Rosario Bldg., 999 Aurora Blvd. (02) 575-3888 loc. 8318 Parañaque City Tel: (02) 478-9705 Tel: (02) 850-8483 near cor. Lauan and Anonas Sts. Tel: (02) 556-2690 (02) 575-3888 loc. 8527 E. Rodriguez Ave. (02) 575-3888 loc. 8601 Brgy. Duyan-Duyan, Project 3 Balintawak - A. Bonifacio Tel: (02) 575-3888 loc. 8277 G/F, MC Rillo Bldg. Quezon City 659 A. Bonifacio Ave. City Place Square 1168 E. Rodriguez Ave. Alabang - Entrata Tel: (02) 291-3376 Balintawak, Quezon City Binondo 3/F, CP 2-3, City Place Square Brgy. Mariana, Quezon City Units G3 and G4, Entrata (02) 575-3888 loc. 8571 Tel: (02) 442-1728 G/F, Uy Su Bin Bldg. Reina Regente near cor. Felipe II Sts. Tel: (02) 695-3519 Filinvest Corporate City (02) 575-3888 loc. 8398 535-537 Quintin Paredes St. Binondo, Manila (02) 575-3888 loc. 8165 Alabang, Muntinlupa City Ayala Ave. - Herrera Binondo, Manila Tel: (02) 621-1292 Tel: (02) 553-4295 G/F, PBCom Tower, 6795 Ayala Ave. Banawe - Kaliraya Tel: (02) 247-3615 (02) 575-3888 loc. 8154 E. Rodriguez Ave. - Cubao (02) 575-3888 loc. 8215 cor. V. Rufino St., Salcedo Village Titan 168 Bldg., 126 Banawe Tel: (02) 575-3888 loc. 8374 1731 E. Rodriguez Sr. Ave. Makati City near cor. Kaliraya Sts., Brgy. Tatalon Commonwealth Brgy. Pinagkaisahan, Cubao Alabang Hills Tel: (02) 784-5642 Quezon City Blumentritt - Rizal Ave. G/F, 272 Commonwealth Ave. Quezon City Don Gesu Bldg., Don Jesus Blvd. (02) 575-3888 loc.8309 Tel: (02) 521-4749 2412 Rizal Ave., Sta. Cruz, Manila Brgy. Old Balara, Quezon City Tel: (02) 477-3979 Brgy. Cupang, Muntinlupa City (02) 575-3888 loc. 8295 Tel: (02) 230-4366 Tel: (02) 355-7736 (02) 575-3888 loc. 8537 Tel: (02) 551-0983 Tel: (02) 575-3888 loc. 8525 (02) 575-3888 loc. 8231 (02) 575-3888 loc. 8290

* No ATM [ 60 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 61 ]

EWBC 2016 AR June 7.indd 60 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 61 6/15/17 11:42 AM Store Network as of May 31, 2017 (Equipped with ATM unless indicated)

E. Rodriguez Ave. - Welcome Rotonda Fairview Gil Puyat - Salcedo Vill. Greenhills Shopping Center Kalayaan - Matalino Las Piñas - Marcos Alvarez AEK Bldg., 40 E. Rodriguez Sr. Ave. 72 Commonwealth Ave. G/F, Unit 1-C,Country Space 1 Bldg. Unit AC-14, Annapolis Carpark 123 Kalayaan Ave. G/F and 2/F, 575 Marcos Alvarez Ave. Brgy. Don Manuel, Quezon City cor. Camaro St., East Fairview Gil Puyat Ave., Makati City Greenhills Shopping Center near cor. Matalino St., Brgy. Central Talon V, Las Piñas City Tel: (02) 255-3865 Quezon City Tel: (02) 823-5220 San Juan City Diliman, Quezon City Tel: (02) 550-2165 (02) 575-3888 loc. 8563 Tel: (02) 332-8598 (02) 575-3888 loc. 8528 Tel: (02) 721-8292 Tel: (02) 293-9601 (02) 575-3888 loc. 8182 (02) 575-3888 loc. 8242 (02) 575-3888 loc. 8138 (02) 575-3888 loc. 8574 Eastwood City Grace Park - 3rd Ave. Las Piñas - Pamplona Unit D, Technoplaza One Festival Mall Level 1 215 Rizal Ave. Ext., Brgy. 45 H.V. Dela Costa Kalentong Lot 16-B PSD 208390 Eastwood City, Cyberpark Level 1, Festival Supermall Grace Park West, Caloocan City Unit GFC-2, Classica 1 Condominium G/F, Units 1 and 2, 908 Kalentong St. Alabang-Zapote Road, Las Piñas City E. Rodriguez Ave., Bagumbayan Filinvest Corporate City Tel: (02) 310-5081 112 H.V. Dela Costa St. Mandaluyong City Tel: (02) 873-5090 Quezon City Alabang, Muntinlupa City (02) 575-3888 loc. 8512 Salcedo Village, Makati City Tel: (02) 534-0669 (02) 575-3888 loc. 8304 Tel: (02) 234-1389 Tel: (02) 842-5981 Tel: (02) 550-2289 (02) 575-3888 loc. 8278 (02) 575-3888 loc. 8204 (02) 575-3888 loc. 8351 Grace Park - 7th Ave. (02) 575-3888 loc. 8237 Legaspi - Aguirre G/F, Units 1 to 3 Kamias G/F, Unit 1-B, The Biltmore EDSA - Howmart Festival Mall Level 2 330 Rizal Ave. Ext. near cor. 7th Ave. Intramuros 10 Kamias Road cor. Col. Salgado St. 102 Aguirre St., Legaspi Village 1264 EDSA near cor. Howmart Road Level 2, Festival Supermall East Grace Park, Caloocan City G/F, B.F. Condominium Brgy. West Kamias, Quezon City Makati City Brgy. A Samson, Quezon City Filinvest Corporate City Tel: (02) 709-5560 104 A. Soriano Ave. cor. Solano St. Tel: (02) 961-8088 Tel: (02) 807-1593 Tel: (02) 990-9588 Alabang, Muntinlupa City (02) 575-3888 loc. 8209 Intramuros, Manila (02) 575-3888 loc. 8178 (02) 575-3888 loc. 8575 (02) 575-3888 loc. 8164 Tel: (02) 850-3722 Tel: (02) 527-2627 (02) 575-3888 loc. 8330 Grace Park - 8th Ave. * (02) 575-3888 loc. 8369 Kamuning Legaspi - Dela Rosa EDSA - Kalookan 896 8th Ave. cor. J. Teodoro Grace Park JPY Bldg., 52 Kamuning Road G/F, I-Care Bldg., Dela Rosa St. 490 EDSA, Caloocan City G. Araneta Ave. Caloocan City J.P. Rizal Brgy. Kamuning, Quezon City cor. Legaspi Village, Makati City Tel: (02) 364-1858 195 ILO Bldg., G. Araneta Ave. Tel: (02) 361-7545 805 J.P. Rizal cor. F. Zobel Sts. Tel: (02) 412-0583 Tel: (02) 844-5810 (02) 575-3888 loc. 8305 Brgy. Santol, Quezon City (02) 575-3888 loc. 8373 San Miguel Village, Makati City (02) 575-3888 loc. 8562 (02) 575-3888 loc. 8238 Tel: (02) 715-4580 Tel: (02) 511-0789 EDSA - Muñoz (02) 575-3888 loc. 8198 Grace Park - 11th Ave. (02) 575-3888 loc. 8208 Katipunan - St. Ignatius Legaspi - Rufino G/F, Lemon Square Bldg. G/F, Remcor V Bldg., Blk. 172 Lot 5 132 Katipunan Road G/F, Libran Bldg., Legaspi St. 1199 EDSA Muñoz, Brgy. Katipunan General Luis - Kaybiga Rizal Ave. Ext., Caloocan City Jose Abad Santos - Tayuman St. Ignatius Village, Quezon City cor. V.A. Rufino Ave. Quezon City 4 Gen. Luis St., Brgy. Kaybiga Tel: (02) 376-5825 G/F and 2/F, Cada Bldg. Tel: (02) 913-2370 Legaspi Village, Makati City Tel: (02) 441-2354 Caloocan City (02) 575-3888 loc. 8286 1200 Tayuman St. (02) 575-3888 loc. 8327 Tel: (02) 519-7398 (02) 575-3888 loc. 8177 Tel: (02) 922-5346 cor. Jose Abad Santos Ave. (02) 575-3888 loc. 8103 (02) 575-3888 loc. 8509 Greenhills - Connecticut Tondo, Manila Lagro Elcano G/F, Unit B, Fox Square Bldg. Tel: (02) 230-2336 Blk. 6 Lot 2, Quirino Highway Leviste Elcano Bldg., 622 El Cano St. Gil Puyat - Dian 53 Connecticut St. (02) 575-3888 loc. 8166 Lagro, Novaliches, Quezon City Unit Ground B, LPL Mansions Bldg. Binondo, Manila G/F, Wisma Cyberhub Bldg. Northeast Greenhills, San Juan City Tel: (02) 352-4948 122 L.P. Leviste St., Salcedo Village Tel: (02) 242-0254 45 Sen. Gil Puyat Ave., Makati City Tel: (02) 705-1413 Juan Luna - Binondo (02) 575-3888 loc. 8248 Makati City (02) 575-3888 loc. 8241 Tel: (02) 845-0487 (02) 575-3888 loc. 8175 580 Juan Luna St., Binondo, Manila Tel: (02) 828-9858 (02) 575-3888 loc. 8275 Tel: (02) 523-0282 Las Piñas - Almanza (02) 575-3888 loc. 8532 Escolta Greenhills - North (02) 575-3888 loc. 8531 Aurora Arcade Bldg. G/F, First United Bldg. Gil Puyat - F.B. Harrison G/F, BTTC Bldg., Ortigas Ave. Alabang-Zapote Road Loyola Heights - Katipunan 413 Escolta cor. Banquero Sts. 131 Gil Puyat Ave. Ext., Brgy. 24 cor. Roosevelt St. Greenhills Juan Luna - Pritil Almanza Uno, Las Piñas City Blk. 41 Lot 1, Unit 13 Binondo, Manila Zone 4, Pasay City San Juan City G/F, 1953-1955 Juan Luna St. Tel: (02) 551-0612 Elizabeth Hall Bldg. Tel: (02) 242-4635 Tel: (02) 831-7637 Tel: (02) 477-3365 Tondo, Manila (02) 575-3888 loc. 8271 Loyola Heights, Quezon City (02) 575-3888 loc. 8328 (02) 575-3888 loc. 8140 (02) 575-3888 loc. 8272 Tel: (02) 230-2217 Tel: (02) 426-0420 (02) 575-3888 loc. 8279 Las Piñas - BF Resort (02) 575-3888 loc. 8249 Evangelista Gil Puyat - Metro House Greenhills - Promenade 10 BF Resort Drive 1806 Hen. Mojica cor. Evangelista Sts. G/F, Metro House Bldg. G/F & 2/F, Unit 3, Promenade Bldg. Julia Vargas BF Resort Village, Las Piñas City Makati Ave. - Juno Brgy. Bangkal, Makati City 345 Sen. Gil Puyat Ave., Makati City Missouri St., Greenhills G/F, Unit 101, One Corporate Center Tel: (02) 822-2699 Unit 2-A, W Bldg., Juno St. Tel: (02) 846-8516 Tel: (02) 890-8102 San Juan City Julia Vargas cor. Aves. (02) 575-3888 loc. 8129 cor. Makati Ave., Brgy. Bel-air (02) 575-3888 loc. 8118 (02) 575-3888 loc. 8301 Tel: (02) 571-5985 Ortigas Center, Pasig City Makati City (02) 575-3888 loc. 8526 Tel: (02) 655-3339 Las Piñas - J. Aguilar Ave. Tel: (02) 880-0526 F. Ortigas Jr. Gil Puyat - Pacific Star (02) 575-3888 loc. 8246 J. Aguilar Ave. cor. Casimiro Drive (02) 575-3888 loc. 8202 AIC Gold Tower Condominium G/F, Pacific Star Bldg. Greenhills - West Brgy. BF International, Las Piñas City F. Ortigas Jr. cor. Garnet Ave. Sen. Gil Puyat Ave., Makati City G/F, ALCCO Bldg., Ortigas Ave. Jupiter - Tel: (02) 478-7361 Malabon - Gov. Pascual Pasig City Tel: (02) 403-3368 Greenhills-West, San Juan City G/F, Royal Banner Property Bldg. (02) 575-3888 loc. 8539 3315 Gov. Pascual Ave. Tel: (02) 687-0037 (02) 575-3888 loc. 8185 Tel: (02) 721-9605 30 Jupiter cor. Paseo de Roxas Sts. cor. Maria Clara St., Malabon City (02) 575-3888 loc. 8303 (02) 575-3888 loc. 8346 Brgy. Bel-Air, Makati City Tel: (02) 351-7619 Tel: (02) 823-1989 (02) 575-3888 loc. 8384 (02) 575-3888 loc. 8521

* No ATM [ 62 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 63 ]

EWBC 2016 AR June 7.indd 62 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 63 6/15/17 11:42 AM Store Network as of May 31, 2017 (Equipped with ATM unless indicated)

Malabon - Potrero Masambong Navotas - North Bay Ortigas - Garnet Paseo de Magallanes Paso de Blas Units 1 to 2, Mary Grace Bldg. L/G, Annexes B to C G/F, Melandria III Bldg. Unit 102, Prestige Tower G/F, Unit 102, Tritan Plaza Bldg. 191 Paso de Blas, Valenzuela City Del Monte St., McArthur Highway Atkimson Bldg., 627 Del Monte Ave. 1090 Northbay Blvd. (South) Emerald Ave., Ortigas Center San Antonio St., Paseo de Magallanes Tel: (02) 332-2061 Potrero, Malabon City Brgy. Masambong, Quezon City Navotas City Pasig City Makati City (02) 575-3888 loc. 8382 Tel: (02) 352-5490 Tel: (02) 709-7701 Tel: (02) 922-0812 Tel: (02) 631-0079 Tel: (02) 478-4856 (02) 575-3888 loc. 8116 (02) 575-3888 loc. 8183 (02) 575-3888 loc. 8121 (02) 575-3888 loc. 8255 (02) 575-3888 loc. 8132 Pasong Tamo Ext. G/F, Dacon Bldg. Malabon - Rizal Ave. Masangkay New Manila Ortigas - Rockwell Paseo de Roxas - Legaspi 2281 Pasong Tamo Ext., Makati City 726 Rizal Ave., Brgy. Tanong 1411-1413 Masangkay St. G/F, AAP Bldg., 683 Aurora Blvd. Unit W-01, Tower 1 G/F, Paseo De Roxas Bldg. Tel: (02) 892-2825 Malabon City Tondo, Manila New Manila, Quezon City The Rockwell Business Center 111 Paseo de Roxas St. (02) 575-3888 loc. 8324 Tel: (02) 441-4446 Tel: (02) 230-2363 Tel: (02) 726-3202 Ortigas Ave., Pasig City cor. Legaspi St., Legaspi Village (02) 575-3888 loc. 8250 (02) 575-3888 loc. 8184 (02) 575-3888 loc. 8367 Tel: (02) 633-6909 Makati City Pateros (02) 575-3888 loc. 8148 Tel: (02) 840-5434 M. Almeda cor. G. De Borja Sts. Mandaluyong - Libertad Mayon North EDSA (02) 575-3888 loc. 8375 San Roque, Pateros G/F, Units A to C, Dr. Aguilar Bldg. 170 Mayon Ave., Quezon City UG/F, Units 4 to 7 P. Ocampo Avenue Tel: (02) 941-5366 46 D.M. Guevarra cor. Esteban Sts. Tel: (02) 354-4695 EDSA Grand Residences, EDSA 245 P. Ocampo Ave. cor. Flordeliz St. Paseo - Philam Tower (02) 575-3888 loc. 8556 Highway Hills, Mandaluyong City (02) 575-3888 loc. 8151 cor. Corregidor St., Quezon City Brgy. La Paz, Makati City G/F, Tel: (02) 534-5507 Tel: (02) 376-2832 Tel: (02) 887-2321 8767 Paseo de Roxas St. Paz M. Guazon (02) 575-3888 loc. 8119 Mayon - Dapitan (02) 575-3888 loc. 8205 (02) 575-3888 loc. 8568 Makati City Units 5 & 6, Topmark Bldg. 181 Mayon near cor. Dapitan Sts. Tel: (02) 884-8810 1763 Paz M. Guazon St. Mandaluyong - Shaw Blvd. Brgy. Sta. Teresita, Quezon City Novaliches - Gulod Paco (02) 575-3888 loc. 3342 Paco, Manila G/F, Sunshine Square Tel: (02) 230-4750 Blk. 2 Lot 489, Quirino Highway 1050 Pedro Gil St., Paco, Manila Tel: (02) 516- 2263 312 Shaw Blvd., Mandaluyong City (02) 575-3888 loc. 8560 Novaliches, Quezon City Tel: (02) 527-4539 Pasig Boulevard (02) 575-3888 loc. 8533 Tel: (02) 534-3942 Tel: (02) 355-2741 (02) 575-3888 loc. 8100 2 Lakeview Drive cor. Pasig Blvd. (02) 575-3888 loc. 8325 McKinley Hill (02) 575-3888 loc. 8110 Brgy. Bagong Ilog, Pasig City Pedro Gil Unit 1, Commerce and Industry Plaza Padre Faura Tel: (02) 661-8790 574 Pedro Gil St., Malate, Manila Mandaluyong - Wack-Wack McKinley Hill Cyberpark Novaliches - Talipapa G/F, Unit D, Metrosquare Bldg. 2 (02) 575-3888 loc. 8150 Tel: (02) 256-2018 G/F, GDC Bldg., 710 Shaw Blvd. Bonifacio Global City, Taguig City G/F, Units C to G M.H. Del Pilar cor. Padre Faura Sts. (02) 575-3888 loc. 8559 Brgy. Wack-Wack, Mandaluyong City Tel: (02) 511-8817 526 Quirino Highway, Brgy. Talipapa Ermita, Manila Pasig - Rosario Tel: (02) 570-4017 (02) 575-3888 loc. 8252 Novaliches, Quezon City Tel: (02) 404-0536 Unit 3, 1866 Ortigas Ave. Ext. Perea (02) 575-3888 loc. 8273 Tel: (02) 332-3592 (02) 575-3888 loc. 8322 Rosario, Pasig City G/F, Mansion Metropolitan Avenue (02) 575-3888 loc. 8266 Tel: (02) 628-4390 106 Perea St., Legaspi Village Marikina - Concepcion Savana Bldg. 3, Metropolitan Ave. Pasay - D. Macapagal Blvd. (02) 575-3888 loc. 8259 Makati City Bayan-Bayanan Ave. cor. Venezia St., Brgy. Sta Cruz Ongpin 8 Pres. Diosdado Macapagal Blvd. Tel: (02) 511-0998 Concepcion, Marikina City Makati City G/F, Commercial Unit G-1 Pasay City Pasig - Kapasigan (02) 575-3888 loc. 8508 Tel: (02) 625-2092 Tel: (02) 556-8947 Strata Gold Condominium Bldg. Tel: (02) 511-8351 A. Mabini cor. Blumentrit St. (02) 575-3888 loc. 8169 (02) 575-3888 loc. 8147 738 Ongpin St., Binondo, Manila (02) 575-3888 loc. 8180 Brgy. Kapasigan, Pasig City Pioneer Tel: (02) 353-4414 Tel: (02) 642-8559 Unit UG-09 Marikina - Gil Fernando MIA Road (02) 575-3888 loc. 8293 Pasay - Libertad (02) 575-3888 loc. 8308 Pioneer Pointe Condominium Gil Fernando Ave. cor. Estrador St. Salud-Dizon Bldg. 1, 5 MIA Road Unit 265-E, Nemar Bldg. Pioneer St., Highway Hills Midtown Subd., San Roque Tambo, Parañaque City Ortigas - Orient Square Libertad St., Pasay City Pasig - Santolan Mandaluyong City Marikina City Tel: (02) 556-9266 G/F, Orient Square Bldg. Tel: (02) 550-2427 G/F, Santolan Bldg. Tel: (02) 584-3515 Tel: (02) 681-7384 (02) 575-3888 loc. 8538 Emerald Ave., Ortigas Center (02) 575-3888 loc. 8212 344 A. Rodriguez Ave. (02) 575-3888 loc. 8107 (02) 575-3888 loc. 8137 Pasig City Santolan, Pasig City Muntinlupa Tel: (02) 910-5621 Pasay - Oceanaire Tel: (02) 654-0246 President’s Avenue Marikina - J.P. Rizal G/F, Remenes Center Bldg. (02) 575-3888 loc. 8603 G/F, Unit 108 & 109 (02) 575-3888 loc. 8260 35 President’s Ave., BF Homes 367 J.P. Rizal St., Sta. Elena 22 National Highway, Putatan Podium Commercial Area Parañaque City Marikina City Muntinlupa City Ortigas - ADB Ave. Oceanaire Condominium Pasig - Shaw Blvd. Tel: (02) 807-5549 Tel: (02) 645-2890 Tel: (02) 846-9311 G/F, The ADB Ave. Tower Sunrise Drive cor. Rd. 23 Units A & B, 33 Karina Bldg. (02) 575-3888 loc. 8315 (02) 575-3888 loc. 8251 (02) 575-3888 loc. 8122 ADB Ave. Pasig City SM Mall of Asia Complex Brgy. San Antonio, Pasig City Tel: (02) 532-0292 Pasay City Tel: (02) 570-9356 Project 8 - Shorthorn Marikina - Parang Navotas - M. Naval Tel: (02) 886-9014 (02) 575-3888 loc. 8307 G/F, West Star Business Center JNJ Bldg., 108 BG Molina St. 895 M. Naval St. Ortigas - Emerald (02) 575-3888 loc. 8555 31, Shorthorn St., Brgy. Bahay Toro Parang, Marikina City Brgy. Sipac-Almasen, Navotas City Unit 103, Hanston Bldg. Pasig - Valle Verde Proj. 8, Quezon City Tel: (02) 625-6230 Tel: (02) 355-4148 Emerald Ave., Ortigas Center 102 E. Rodriguez Jr. Ave. Tel: (02) 952-4526 (02) 575-3888 loc. 8291 (02) 575-3888 loc. 8292 Pasig City Ugong, Pasig City (02) 575-3888 loc. 8520 Tel: (02) 477-5371 Tel: (02) 655-3337 (02) 575-3888 loc. 8112 (02) 575-3888 loc. 8258

[ 64 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 65 ]

EWBC 2016 AR June 7.indd 64 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 65 6/15/17 11:42 AM Store Network as of May 31, 2017 (Equipped with ATM unless indicated)

Quezon Ave. - Banawe Roxas Blvd. Sucat - Kabihasnan Tektite The Fort - Burgos Circle Valenzuela - Dalandanan G/F, PPSTA-1 Bldg., Quezon Ave. G/F, DENR Bldg., 1515 Roxas Blvd. G/F, Units 3 to 4 East Tower G/F, Units H and I 212 Km. 15 Mac Arthur Highway cor. Banawe St., Quezon City Ermita, Manila Perry Logistics Center Bldg. Philippine Stock Exchange Center Crescent Park Residences Brgy. Dalandanan, Valenzuela City Tel: (02) 412-1681 Tel: (02) 525-3605 Ninoy Aquino Ave., Parañaque City Exchange Drive, Ortigas Center Burgos Circle cor. 2nd Ave. Tel: (02) 277-0276 (02) 575-3888 loc. 8329 (02) 575-3888 loc. 8114 Tel: (02) 553-5064 Pasig City Bonifacio Global City, Taguig (02) 575-3888 loc. 8289 (02) 575-3888 loc. 8274 Tel: (02) 637-4164 Tel: (02) 478-5481 Quezon Ave. - Dr. Garcia Salcedo (02) 575-3888 loc. 8349 (02) 575-3888 loc. 8125 Valenzuela - Gen. T. De Leon G/F, Kayumanggi Tress Bldg. G/F, First Life Center, 174 Salcedo St. Sucat - Kingsland G/F, Units 4 & 5, Liu Shuang Yu Bldg. 940 Quezon Ave., Paligsahan 4 Legaspi Village, Makati City G/F and 2/F, Units 5 to 6 The Fort 7th Ave. Timog Ave. 3026 Gen. T. De Leon St. Quezon City Tel: (02) 815-8747 Kingsland Bldg., Dr. A. Santos Ave. G/F, Quadrant 3, Wumaco Bldg. 2 G/F, Timog Arcade, 67 Timog Ave. Valenzuela City Tel: (02) 709-7808 (02) 575-3888 loc. 8348 Sucat, Parañaque City 7th Ave., B3, Bonifacio High St. cor. Sct. Torillo, Quezon City Tel: (02) 440-5635 (02) 575-3888 loc. 8207 Tel: (02) 553-5108 Bonifacio Global City, Taguig City Tel: (02) 376-7884 (02) 575-3888 loc. 8536 Sampaloc - J. Figueras (02) 575-3888 loc. 8192 Tel: (02) 856-2406 (02) 575-3888 loc. 8157 Quezon Ave. - Scout Albano 427-433 J. Figueras St. (02) 575-3888 loc. 8602 Valenzuela - Marulas 1604 Quezon Ave. Sampaloc, Manila Sucat - NAIA Timog - Mother Ignacia JLB Enterprise Bldg. Brgy. South Triangle, Quezon City Tel: (02) 735-0082 Unit 707-6 The Fort 11th Ave. - 30th St. 21 Timog Ave., Brgy. South Triangle Km. 12 McArthur Highway Tel: (02) 352-8163 (02) 575-3888 loc. 8534 Columbia AirFreight Complex G/F, Unit 2 1103 Quezon City Marulas, Valenzuela City (02) 575-3888 loc. 8109 Miascor Drive, Ninoy Aquino Ave. 3030 BGC Corporate Center Tel: (02) 374-3619 Tel: (02) 445-0670 San Juan Brgy. Sto. Niño, Parañaque City 11th Ave. cor. 30th St. City Center (02) 575-3888 loc. 8570 (02) 575-3888 loc. 8345 Quezon Ave. - Scout Santiago * EastWest Bank Bldg. Tel: (02) 852-2949 Bonifacio Global City, Taguig City G/F, Sushine Blvd. Plaza F. Blumentritt cor. M. Salvador Sts. (02) 575-3888 loc. 8343 Tel: (02) 800-8546 Tomas Mapua - Lope de Vega Valero Quezon Ave. cor. Scout Santiago Brgy. San Perfecto, San Juan City (02) 575-3888 loc. 8595 G/F and 2/F, Valqua Bldg. G/F, Retail 1-B Area Quezon City Tel: (02) 723-8991 T. Alonzo * 1003 Tomas Mapua Paseo Parkview Tower, 142 Valero St. Tel: (02) 372-8214 (02) 575-3888 loc. 8102 G/F, 623 T. Alonzo St. The Fort 26th St. - 4th Ave. cor. Lope de Vega Sts. Salcedo Village, Makati City (02) 575-3888 loc. 8326 Sta.Cruz, Manila G/F, Unit 3A, Marajo Tower Sta. Cruz, Manila Tel: (02) 817-3733 San Lorenzo - A. Arnaiz Tel: (02) 733-7627 26th St. cor. 4th Ave. Tel: (02) 711-0412 (02) 575-3888 loc. 8347 Quiapo The E-Hotels Makati Bldg. (02) 575-3888 loc. 8354 Bonifacio Global City, Taguig City (02) 575-3888 loc. 8194 G/F, E and L Haw Bldg. 906 A. Arnaiz Ave. Tel: (02) 856-0201 Visayas Ave. 502 Evangelista St., Quiapo, Manila (formerly Pasay Road) T.M. Kalaw (02) 575-3888 loc. 8379 Tomas Morato G/F, Units B to D, 15 Visayas Ave. Tel: (02) 353-0052 San Lorenzo Village, Makati City A-1 to A-4, Ditz Bldg. 257 Tomas Morato Brgy. Vasra, Quezon City (02) 575-3888 loc. 8199 Tel: (02) 845-0263 444 T.M. Kalaw St., Ermita, Manila The Fort 26th St. - 11th Ave. near cor. Scout Fuentebella Tel: (02) 441-6604 (02) 575-3888 loc. 8257 Tel: (02) 353-9739 G/F, Units 25 and 26, North Tower Quezon City (02) 575-3888 loc. 8280 Rada (02) 575-3888 loc. 8195 South of Market Bldg., 26th St. Tel: (02) 928-2163 G/F, Unit 102 San Miguel Ave. 11th Ave., Bonifacio Global City (02) 575-3888 loc. 8342 West Ave. La Maision Condominium Bldg. Medical Plaza Bldg., San Miguel Ave. Taft Ave. Taguig City 108 West Ave. cor. West Lawin St. Rada St., Legaspi Village Ortigas, Pasig City Philippine Academy of Family Tel: (02) 551-4072 Tordesillas Quezon City Makati City Tel: (02) 637-5649 Physicians (PAFP) Bldg. (02) 575-3888 loc. 8261 Unit 105, Le Metropole Condominium Tel: (02) 928-5920 Tel: (02) 804-2866 (02) 575-3888 loc. 8388 2244 Taft Avenue, Manila HV Dela Costa cor. Tordesillas and (02) 575-3888 loc. 8356 (02) 575-3888 loc. 8189 Tel: (02) 708-5241 The Fort 28th St. - 9th Ave. Sen. Gil Puyat Ave., Salcedo Village Soler * (02) 575-3888 loc. 8193 G/F, Active Fun Bldg., 9th Ave. Makati City West Service Road Regalado G/F, R&S Tower, 941 Soler St. cor. 28th St., City Center Tel: (02) 828-8407 West Service Road Regalado Ave. cor. Archer St. Binondo, Manila Taft Ave. - Nakpil Bonifacio Global City, Taguig City (02) 575-3888 loc. 8524 cor. Sampaguita Ave. North Fairview Subd., Quezon City Tel: (02) 244-0169 RLR Bldg., 1820 Taft Ave. Tel: (02) 856-7490 UPS IV Subd., Parañaque City Tel: (02) 939-5459 (02) 575-3888 loc. 8101 near cor. Nakpil St., Malate, Manila (02) 575-3888 loc. 8554 UN Avenue Tel: (02) 822-3910 (02) 575-3888 loc. 8317 Tel: (02) 525-0495 G/F, Magcoop Bldg. , UN Ave. (02) 575-3888 loc. 8158 Sto. Cristo * (02) 575-3888 loc. 8141 The Fort 32nd St. - 5th Ave. near cor. A. Mabini St. Roosevelt - Frisco G/F, Sto. Cristo Po Taw Bldg. G/F, Unit F, F1 Center Bldg. Ermita, Manila Wilson 184 Roosevelt Ave. 107-108 Sto. Cristo cor. Foderama Sts. Tandang Sora 32nd St. cor. 5th Ave. Tel: (02) 354-5082 G/F, 220-B Wilson St. San Francisco del Monte Binondo, Manila Lot 80-A, Kalaw Hills Subd. Bonifacio Global City, Taguig City (02) 575-3888 loc. 8393 Greenhills, San Juan City Quezon City Tel: (02) 247-7112 Brgy. Culiat, Tandang Sora Tel: (02) 478-4326 Tel: (02) 696-7366 Tel: (02) 372-1090 (02) 575-3888 loc. 8323 Quezon City (02) 575-3888 loc. 8268 UP Village (02) 575-3888 loc. 8159 (02) 575-3888 loc. 8306 Tel: (02) 951-2550 65 Maginhawa St., U.P. Village Sucat - Evacom (02) 575-3888 loc. 8321 The Fort - Beaufort Diliman, Quezon City Xavierville Roosevelt - Sto. Niño 8208 Dr. A. Santos Ave. The Beaufort, 5th Ave. cor. 23rd St. Tel: (02) 433-8625 60 Xavierville Ave., Xavierville Subd. 187 Roosevelt Ave., Brgy. Sto. Niño Brgy. San Isidro, Parañaque City Bonifacio Global City, Taguig City (02) 575-3888 loc. 8196 Brgy. Loyola Heights, Quezon City San Francisco Del Monte Tel: (02) 822-4249 Tel: (02) 808-2225 Tel: (02) 364-5379 Quezon City (02) 575-3888 loc. 8161 (02) 575-3888 loc. 8203 (02) 575-3888 loc. 8564 Tel: (02) 922-1723 (02) 575-3888 loc. 8190

* No ATM [ 66 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 67 ]

EWBC 2016 AR June 7.indd 66 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 67 6/15/17 11:42 AM Store Network as of May 31, 2017 (Equipped with ATM unless indicated)

Ylaya - Padre Rada Baguio - Rizal Monument Batangas - Lemery Bulacan - Sta. Maria Cavite - Rosario Ilocos Sur - Candon G/F, 981 Josefa Bldg., Ylaya St. One VF Tower, Benjamin Salvosa Drive G/F, LDMC Bldg., Ilustre Ave. 115 M. De Leon St., Brgy. Poblacion Lot 616, F1 Gen. Trias Drive G/F, KAMSU Bldg., Brgy. San Jose cor. Padre Rada St., Tondo, Manila Brgy. Rizal Monument, Baguio City Dist III, Lemery, Batangas Sta. Maria, Bulacan Tejeros Convention, Rosario, Cavite Candon City, Ilocos Sur Tel: (02) 243-9005 Tel: (074) 448-0513 Tel: (043) 740-2602 Tel: (044) 769-2426 Tel: (046) 435-1107 Tel: (077) 674-0255 (02) 575-3888 loc. 8294 (02) 575-3888 loc. 8340 (02) 575-3888 loc. 8502 (02) 575-3888 loc. 8577 (02) 575-3888 loc. 8593 (02) 575-3888 loc. 8172

Baguio City - Session Road Batangas - Nasugbu Cabanatuan - Maharlika Cavite - Silang Imus LUZON Unit 101-B, Lopez Bldg. J. P. Laurel St., Poblacion Brgy. Dicarma, Maharlika Highway 132 J. P Rizal cor. E. Montoya Sts. G/F, LDB Bldg. Session Road, Baguio City Nasugbu, Batangas Cabanatuan City, Nueva Ecija San Vicente I, Silang, Cavite 552 Gen. Aguinaldo Highway Angeles - Balibago Tel: (074) 442-3339 Tel: (043) 740-1103 Tel: (044) 958-8847 Tel: (046) 413-2600 Imus City, Cavite Saver’s Mall Bldg. (02) 575-3888 loc. 8163 (02) 575-3888 loc. 8530 (02) 575-3888 loc. 8573 (02) 575-3888 loc. 8517 Tel: (046) 471-5188 McArthur Highway, Balibago (02) 575-3888 loc. 8310 Angeles City, Pampanga Baliuag Batangas - Rosario Cabanatuan - Melencio Cavite - Tanza Tel: (045) 458-0613 Benigno S. Aquino Ave., Poblacion Rosario-Padre Garcia-Lipa Road Melencio cor. Gen. Luna Sts. Antero Soriano Ave. Isabela - Cauayan (02) 575-3888 loc. 8170 Baliuag, Bulacan Poblacion, Rosario, Batangas Cabanatuan City, Nueva Ecija Daang Amaya 2, Tanza, Cavite Maharlika Highway Tel: (044) 766-5308 Tel: (043) 417-1349 Tel: (044) 464-1634 Tel: (046) 431-2097 Cauayan City, Isabela Antipolo - Marcos Highway (02) 575-3888 loc. 8376 (02) 575-3888 loc. 8511 (02) 575-3888 loc. 8333 (02) 575-3888 loc. 8222 Tel: (078) 652-3945 Ciannat Complex, Brgy. Mayamot (02) 575-3888 loc. 8383 Marcos Highway, Antipolo City Bataan - Balanga Batangas - Sto. Tomas Calamba Cavite - Trece Martires Tel: (02) 682-2250 Don Manuel Banzon Ave. KM 67 Maharlika Highway G/F, SQA Bldg., Brgy. Uno G/F, Dionets Commercial Place Bldg. Isabela - Ilagan (02) 575-3888 loc. 8316 cor. Cuaderno St., Doña Francisca Poblacion, Sto. Tomas, Batangas Crossing, Calamba City, Laguna Trece Martires-Indang Road Maharlika Highway Balanga City, Bataan Tel: (043) 702-8636 Tel: (049) 545-9018 Trece Martires City, Cavite cor. Florencio Apostol Sts. Antipolo - ML Quezon Tel: (047) 237-0351 (02) 575-3888 loc. 8544 (02) 575-3888 loc. 8335 Tel: (046) 514-0071 Calamagui 1, Ilagan, Isabela 146 M.L. Quezon Ave. (02) 575-3888 loc. 8120 (02) 575-3888 loc. 8299 Tel: (078) 624-0193 cor. F. Dimanlig St., San Roque Batangas - Tanauan Calamba - National Road (02) 575-3888 loc. 8513 Antipolo City Bataan - Dinalupihan 98 J.P. Laurel Highway 1425 ME (LE) Crossing St. Dagupan - A.B. Fernandez Tel: (02) 661-9676 Brgy. San Ramon, Dinalupihan, Bataan Tanauan City, Batangas Crossing, Calamba City, Laguna New Star Bldg., A.B. Fernandez Ave. Isabela - Santiago (02) 575-3888 loc. 8135 Tel: (047) 636-0040 Tel: (043) 702-4939 Tel: (049) 508-7476 Dagupan City, Pangasinan Midori Bldg., National Highway (02) 575-3888 loc. 8239 (02) 575-3888 loc. 8267 (02) 575-3888 loc. 8583 Tel: (075) 529-1903 Villasis, Santiago City, Isabela Bacoor - Aguinaldo Hi-way (02) 575-3888 loc. 8233 Tel: (078) 305-0344 Gen. E. Aguinaldo Highway Bataan - Mariveles * Benguet - La Trinidad Candelaria (02) 575-3888 loc. 8366 Talaba, Bacoor City, Cavite 8th Ave., Freeport Area of Bataan Km. 5, Central Pico Rizal Ave. cor. Ona St. Dagupan - Perez Tel: (046) 417-0395 Mariveles, Bataan La Trinidad, Benguet Brgy. Poblacion, Candelaria, Quezon Lot 194 D1-A and B Isabela - Roxas (02) 575-3888 loc. 8320 Tel: (047) 633-1782 Tel: (074) 422-1544 Tel: (042) 717-5528 Brgy. Pogo Chico, Perez Blvd. Maharlika Highway, Brgy. Bantug (02) 575-3888 loc. 8561 (02) 575-3888 loc.8247 (02) 575-3888 loc. 8587 Dagupan City Roxas, Isabela Bacoor - Molino Tel: (075) 522-2284 Tel: (078) 624-0450 G/F, Units 101 to 103 Batangas City Bulacan - Balagtas Carmona (02) 575-3888 loc. 8337 (02) 575-3888 loc. 8581 VCENTRAL Mall Molino Bldg. 54-A., D. Silang St., Batangas City Burol 1st, McArthur Highway Lot 1947-B Molino Blvd., Bacoor City Tel: (043) 723-7665 Balagtas, Bulacan Paseo de Carmona Compound Dasmariñas Kawit - Centennial Cavite City (02) 575-3888 loc. 8355 Tel: (044) 308-2072 Governor’s Drive, Brgy. Maduya Km. 31, Aguinaldo Highway Centennial Road, Tabon Tel: (046) 424-2037 (02) 575-3888 loc. 8297 Carmona, Cavite Brgy. Zone 4, Dasmariñas City Kawit, Cavite (02) 575-3888 loc. 8210 Batangas City - Pallocan Tel: (046) 482-0411 Cavite Tel: (046) 484-9775 M. Pastor Ave., Pallocan West Bulacan - Plaridel (02) 575-3888 loc. 8106 Tel: (046) 424-1454 (02) 575-3888 loc. 8543 Baguio - Legarda Batangas City Lot 1071-A, Daang Maharlika Road (02) 575-3888 loc. 8234 G/F, Lindi Hotel, 12 Legarda Rd. Tel: (043) 740-6559 (formerly Cagayan Valley Road) Cavite City La Union - Agoo Baguio City (02) 575-3888 loc. 8580 Banga First Plaridel, Bulacan P. Burgos Ave., Brgy. Caridad General Trias McArthur Highway, Brgy. San Antonio Tel: (075) 442-5288 Tel: (044) 794-9947 Cavite City, Cavite G/F, Unit 102, VCentral Gentri Bldg. Agoo, La Union (02) 575-3888 loc. 8589 Batangas - Balayan (02) 575-3888 loc. 8282 Tel: (046) 431-0510 Governor’s Drive, Manggahan Tel: (072) 687-0016 cor. Paz St. and Union St., Poblacion (02) 575-3888 loc. 8284 Gen. Trias, Cavite (02) 575-3888 loc. 8514 Baguio City - Session Road Balayan, Batangas Bulacan - San Jose Del Monte Tel: (046) 476-0598 Unit B, 101 Lopez Bldg. Tel: (043) 740-3618 Dalisay Resort, Gov. F. Halili Ave. Cavite - Naic (02) 575-3888 loc. 8124 La Union - San Fernando Session Road, Baguio City (02) 575-3888 loc. 8552 Tungkong Mangga, Ibayo Silangan cor. Sabang Road Kenny Plaza, Brgy. Catbangen Tel: (075) 442-3339 San Jose del Monte, Bulacan Naic, Cavite Ilocos Norte - San Nicolas Quezon Ave., San Fernando (02) 575-3888 loc. 8163 Batangas - Bauan Tel: (044) 815-6128 Tel: (046) 412-0144 Brgy.2, San Nicolas, Ilocos Norte La Union J.P. Rizal cor. San Agustin Sts. (02) 575-3888 loc. 8557 (02) 575-3888 loc. 8221 Tel: (077) 670-6465 Tel: (072) 888-2638 Bauan, Batangas (02) 575-3888 loc. 8515 (02) 575-3888 loc. 8362 Tel: (043) 702-4970 (02) 575-3888 loc. 8214

* No ATM [ 68 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 69 ]

EWBC 2016 AR June 7.indd 68 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 69 6/15/17 11:42 AM Store Network as of May 31, 2017 (Equipped with ATM unless indicated)

Laguna - Biñan Mindoro - Calapan Pampanga - Angeles City San Fernando - Dolores Subic Bay City G/F, Units 1 to 4 G/F, Paras Bldg., J.P. Rizal St. G/F, Unit 4 to 7, AYA Commercial Bldg. 2/F, Felix S. David Bldg. G/F, 1109 Rizal Highway College Ave. cor. Rizal Simrey’s Commercial Bldg. Brgy. San Vicente South Sto. Rosario St., Brgy. San Jose McArthur Highway, Dolores City Subic Bay Freeport Zone and Bonifacio Sts., Tuguegarao City National Highway cor. Alma Manzo Road Calapan, Oriental Mindoro Angeles City, Pampanga San Fernando, Pampanga Olongapo City Cagayan Brgy. San Antonio Biñan City, Laguna Tel: (043) 288-1809 Tel: (045) 879-1637 Tel: (045) 961-7936 Tel: (047) 250-2775 Tel: (078) 844-6512 Tel: (049) 511-7408 (02) 575-3888 loc. 8220 (02) 575-3888 loc. 8344 (02) 575-3888 loc. 8332 (02) 575-3888 loc. 8298 (02) 575-3888 loc. 8136 (02) 575-3888 loc. 8501 Montalban - Rizal Pampanga - Apalit San Fernando - JASA Tabaco City Urdaneta City Laguna - Cabuyao 240 E. Rodriguez Highway Brgy. San Vicente, Apalit, Pampanga G/F, Units 1-A and 1-B Manuel Cea Bldg., Santillan St. S&P Bldg., Nancayasan 26 J. P. Rizal St., Poblacion Manggahan, Rodriguez, Rizal Tel: (045) 652-0037 Kingsborough Commercial Center Bldg. Tabaco City, Albay Urdaneta City, Pangasinan Cabuyao City, Laguna Tel: (02) 368-4051 (02) 575-3888 loc. 8167 Jose Abad Santos Ave. Tel: (052) 487-4132 Tel: (075) 656-2825 Tel: (049) 534-0979 (02) 575-3888 loc. 8569 San Fernando City, Pampanga (02) 575-3888 loc. 8565 (02) 575-3888 loc. 8381 (02) 575-3888 loc. 8283 Pampanga - Clark Tel: (045) 435-0379 Naga City Pavilion 16, Berthaphil Clark Center (02) 575-3888 loc. 8516 Tagaytay Vigan Laguna - Sta. Cruz G/F, LAM Bldg., 19 Peñafrancia Ave. Jose Abad Santos Ave., TFZ Clark G/F, Unit 1001.1, The Fora Quezon Ave., Vigan City, Ilocos Sur 129 P. Guevara Ave., Poblacion 2 Naga City, Camarines Sur SPCL Ecozone, Angeles City San Fernando - Sindalan Emilio Aguinaldo Highway, Rotunda Tel: (077) 674-0370 Sta Cruz, Laguna Tel: (054) 811-1003 Tel: (045) 499-4382 G/F, T and M Bldg., Brgy. Sindalan Tagaytay City, Cavite (02) 575-3888 loc. 8269 Tel: (049) 523-4336 (02) 575-3888 loc. 8358 McArthur Highway, San Fernando City Tel: (046) 423-3928 (02) 575-3888 loc. 8582 Pampanga - Guagua Pampanga (02) 575-3888 loc. 8599 Zambales - Iba Nueva Ecija - Gapan 303 Guagua, Sta. Rita Arterial Road Tel: (045) 455-1192 Lot 1-A, Zambales-Pangasinan Laoag City G/F and 2/F Brgy. San Roque Guagua, Pampanga (02) 575-3888 loc. 8191 Tarlac - Concepcion Provincial Road, Brgy. Sagapan G/F, Commercial Units 3 & 4 Units 105 to 106 and 205 Tel: (045) 458-0567 Lot 1889, B1 to B3, L. Cortez St. Iba, Zambales Puregolds Bldg., Nolasco St. TSI Bldg., Jose Abad Santos Ave. (02) 575-3888 loc. 8243 San Mateo San Nicolas, Concepcion, Tarlac Tel: (047) 603-0374 cor. Castro Ave. & J.P. Pizal Sto. Niño, Gapan City, Nueva Ecija Lot 551-A-8, Gen. Luna St. Tel: (045) 628-2908 (02) 575-3888 loc. 8542 Laoag City Tel: (044) 486-2258 Pangasinan - Alaminos Brgy. Ampid, San Mateo, Rizal (02) 575-3888 loc. 8576 Tel: (077) 771-3866 (02) 575-3888 loc. 8288 BHF Blue Harrison Bldg. Tel: (02) 997-1911 (02) 575-3888 loc. 8359 Quezon Ave., Poblacion (02) 575-3888 loc. 8592 Tarlac - McArthur Highway VISAYAS Nueva Ecija - San Jose Alaminos City, Pangasinan Blk. 17 Lot 27, McArthur Highway Legazpi City Paulino Bldg., Brgy. Abar 1st Tel: (075) 633-4026 San Pablo cor. Calle Manuel Antique - San Jose Blk. 2 Lot 3-B, Landco Business Park Maharlika Road, San Jose City (02) 575-3888 loc. 8586 9022 J.P. Rizal Ave. San Sebastian Village, Tarlac St. Nicolas Bldg., T.A. Fornier St. Legaspi City, Albay Nueva Ecija San Pablo City, Laguna Tel: (045) 628-3293 San Jose, Antique Tel: (052) 480-6659 Tel: (044) 958-1580 Pangasinan - Lingayen Tel: (049) 503-2835 (02) 575-3888 loc. 8578 Tel: (036) 540-7398 (02) 575-3888 loc. 8287 (02) 575-3888 loc. 8262 J.S. Molano Real State Lessor Bldg. (02) 575-3888 loc. 8127 (02) 575-3888 loc. 8510 Avenida Rizal East, Lingayen Tarlac - F. Tañedo Lipa City Nueva Ecija - Talavera Pangasinan San Pedro Mariposa Bldg., F. Tanedo St. Bacolod - East Lot 712 ABC, 18 B. Morada Ave. Lot 269–A, Maharlika Road Tel: (075) 206-0081 Old National Highway, Brgy. Nueva Tarlac City, Tarlac East Two Corporate Center Bldg. Lipa City, Batangas Poblacion, Talavera, Nueva Ecija (02) 575-3888 loc. 8296 San Pedro, Laguna Tel: (045) 982-1937 Circumferential Road Tel: (043) 784-1336 Tel: (044) 958-3849 Tel: (049) 478-9553 (02) 575-3888 loc. 8353 Brgy. Villamonte, Bacolod City (02) 575-3888 loc. 8378 (02) 575-3888 loc. 8541 Pangasinan - Mangaldan (02) 575-3888 loc. 8128 Tel: (034) 432-0830 Cadastral Lot 335, Rizal Ave. Tarlac - Paniqui (02) 575-3888 loc. 8584 Lucena City Nueva Vizcaya - Solano Brgy. Poblacion, Mangaldan Sorsogon City 130 M.H. Del Pilar St. 152 Quezon Ave. Maharlika Road, Poblacion Pangasinan Ma. Bensuat T. Dogillo Bldg. cor. McArthur Highway Bacolod - Araneta Lucena City, Quezon Solano, Nueva Vizcaya Tel: (075) 540-5023 Magsaysay St., Poblacion Paniqui, Tarlac Unit 1-A and 1-B, Metrodome Bldg. Tel: (042) 373-7623 Tel: (078) 392-0112 (02) 575-3888 loc. 8579 Sorsogon City Tel: (045) 491-3846 Araneta-Alunan St., Brgy. 29 (02) 575-3888 loc. 8334 (02) 575-3888 loc. 8263 Tel: (056) 421-5778 (02) 575-3888 loc. 8256 Sincang, Bacolod City Pangasinan - Rosales (02) 575-3888 loc. 8545 Negros Occidental Malolos Olongapo City Estrella Compd., Carmen East Rosales Taytay - Manila East Tel: (034) 435-2887 G/F, 1197 BUFECO Bldg. G/F, 1215 Rizal Ave. McArthur Highway, Pangasinan Sta. Rosa Manila East Road, Brgy. San Juan (02) 575-3888 loc. 8503 Brgy. Sumapang Matanda West Tapinac St., Olongapo City Tel: (075) 636-9990 G/F, Unit 6, Paseo 5 Taytay, Rizal McArthur Highway, Malolos, Bulacan Tel: (047) 222-8592 (02) 575-3888 loc. 8218 Paseo de Sta Rosa, Greenfield City Tel: (02) 570-4128 Bacolod - Hilado Tel: (044) 794-4534 (02) 575-3888 loc. 8108 Don Jose, Santa Rosa City, Laguna (02) 575-3888 loc. 8143 Hilado St., Bacolod City (02) 575-3888 loc. 8540 Pangasinan - San Carlos Tel: (049) 508-2112 Negros Occidental Palawan Palaris cor. Jaycees Sts. (02) 575-3888 loc. 8558 Taytay - Ortigas Ext. Tel: (034) 435-1728 Meycauayan - Malhacan Rizal Ave., Brgy. Manggahan San Carlos, Pangasinan Vallley Fait Town Center (02) 575-3888 loc. 8244 Meycauayan Toll Exit Puerto Princesa City, Palawan Tel: (075) 632-3095 Ortigas Ave. Ext., Taytay, Rizal Meycauayan City, Bulacan Tel: (048) 433-0186 (02) 575-3888 loc. 8149 Tel: (02) 660-1826 Tel: (044) 769-9394 (02) 575-3888 loc. 8187 (02) 575-3888 loc. 8311 (02) 575-3888 loc. 8253

[ 70 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 71 ]

EWBC 2016 AR June 7.indd 70 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 71 6/15/17 11:42 AM Store Network as of May 31, 2017 (Equipped with ATM unless indicated)

Bacolod - Lacson Cebu - Basak Pardo Cebu - Minglanilla Iloilo - Molo - J. Rosales Davao - Bajada Lacson cor. Luzuriaga Sts. South Point Place Bldg. G/F, La Nueva-Minglanilla Center GT Plaza Mall, M.H. del Pilar St. G/F, Deofavente Bldg., Lot 7 J.P. Laurel Ave. cor. Iñigo St. Bacolod City, Negros Occidental N. Bacalso Ave., South Road Ward 2, Poblacion, Minglanilla, Cebu Molo, Iloilo City J. Rosales Ave., Brgy. Imadejas Tel: (034) 433-8322 Basak Pardo, , Cebu Tel: (032) 236-9314 Tel: (033) 330-2004 Butuan City, Tel: (082) 285-2701 (02) 575-3888 loc. 8385 Tel: (032) 236-6954 (02) 575-3888 loc. 8226 (02) 575-3888 loc. 8145 Tel: (085) 225-9620 (02) 575-3888 loc. 8211 (02) 575-3888 loc. 8229 (02) 575-3888 loc. 8123 Bacolod - Mandalagan Cebu - N. Escario Kalibo Davao - Buhangin Lopues Mandalagan Corp. Bldg. Cebu - Freedom Park Cebu Capitol Commercial Aklan Triumph Bldg. Butuan - P. Burgos Km. 5, Buhangin Road cor. Gladiola St. Brgy. Mandalagan, Bacolod City CLC Bldg., 280 Magallanes St. Complex Bldg., N. Escario St. Roxas Ave. Ext., Kalibo, Aklan 1 to 3 FSUU Bldg., P. Burgos St. Buhangin, Davao City Negros Occidental near cor. Noli Me Tangere Cebu City, Cebu Tel: (036) 268-3461 cor. San Francisco Sts., Butuan City Tel: (082) 221-7420 Tel: (034) 441-1141 Cebu City, Cebu Tel: (032) 253-9226 (02) 575-3888 loc. 8505 Tel: (085) 225-0432 (02) 575-3888 loc. 8285 (02) 575-3888 loc. 8181 Tel: (032) 236-9280 (02) 575-3888 loc. 8341 (02) 575-3888 loc. 8591 (02) 575-3888 loc. 8230 Ormoc City Davao - C.M. Recto Boracay Cebu - Park Mall G/F, Hotel Don Felipe, Annex Bldg. Cagayan de Oro - Carmen P & E Bldg., Poblacion, Brgy. 035 Alexandrea Bldg., Main Road Cebu - Fuente Osmeña Alfresco 4, Units 39 to 40-A Bonifacio St., Ormoc City, Leyte RTS Bldg., Vamenta Blvd. C.M. Recto Ave., Davao City Brgy. Balabag, Boracay Island G/F, Cebu Women’s Club Bldg. Park Mall, Mandaue City, Cebu Tel: (053) 255-8689 Carmen, Cagayan de Oro City Tel: (082) 228-6016 Malay, Aklan Fuente Osmeña, Cebu City, Cebu Tel: (032) 505-4057 (02) 575-3888 loc. 8254 Tel: (088) 880-1342 (02) 575-3888 loc. 8176 Tel: (036) 288-2877 Tel: (032) 260-2381 (02) 575-3888 loc. 8188 (02) 575-3888 loc. 8549 (02) 575-3888 loc. 8217 (02) 575-3888 loc. 8223 Roxas City Davao - Digos Cebu - Talisay Roxas Ave. cor. Osmeña St. Cagayan de Oro - Cogon Commercial Space 4, Davao RJ Catbalogan City Cebu - Grand Cenia Paul Sy Bldg., Tabunok Highway (formerly Pavia St.), Roxas City, Capiz De Oro Construction Supply, Inc. Bldg. and Sons Realty and Trading Corp. Curry Ave. cor. San Bartolome St. G/F, Grand Cenia Bldg. Talisay City, Cebu Tel: (036) 620-0652 Don Sergio Osmeña St. V. Sotto St., Brgy. Zone-1 Catbalogan City, Samar Archbishop Reyes Ave. Tel: (032) 236-9434 (02) 575-3888 loc. 8504 cor. Limketkai Drive Digos City, Davao del Sur Tel: (055) 543-8041 Cebu City, Cebu (02) 575-3888 loc. 8227 Cagayan de Oro City, Misamis Oriental Tel: (082) 272-1896 (02) 575-3888 loc. 8529 Tel: (032) 417-1709 Silay Tel: (088) 850-0371 (02) 575-3888 loc. 8507 (02) 575-3888 loc. 8139 Dumaguete City Rizal St., Silay City (02) 575-3888 loc. 8219 Cebu - IT Park Colon St., Dumaguete City Negros Occidental Davao - Diversion Road G/F, Calyx Center, W. Ginonzon Cebu - Juan Luna Negros Oriental Tel: (034) 441-3866 Cagayan de Oro - Lapasan G/F, Unit 4&5, D3G Y10 Bldg. cor. Abad Sts., Asia Town Stephen Jo Bldg., Juan Luna Tel: (035) 226-3797 (02) 575-3888 loc. 8546 Lapasan Highway, Cagayan de Oro City C.P. Garcia National Highway I.T. Park, Cebu City, Cebu Cebu City, Cebu (02) 575-3888 loc. 8240 Tel: (088) 850-1870 Brgy. Cabantian, Davao City Tel: (032) 236-0675 Tel: (032) 236-7528 Tacloban City - Marasbaras (02) 575-3888 loc. 8550 Tel: (082) 296-2047 (02) 575-3888 loc. 8224 (02) 575-3888 loc. 8225 Iloilo Diversion G/F, JGC Bldg., Brgy. 77 (02) 575-3888 loc. 8585 Benigno Aquino Ave. Marasbaras, Tacloban City Cagayan de Oro - Pueblo de Oro Cebu - Mactan Cebu - M. Velez Mandurriao, Iloilo City Tel: (053) 325-3596 VDMJ 1 Bldg., Blk. 1 Lot 1, De Oro Davao - J.P. Laurel G/F, Bldg. II 151 M. Velez St., Guadalupe Tel: (033) 323-1107 (02) 575-3888 loc. 8506 Gran Via St., Cagayan De Oro City J.P. Laurel Ave., Davao City M.L. Quezon National Highway Cebu City, Cebu (02) 575-3888 loc. 8588 Tel: (02) 575-3888 loc. 8604 Tel: (082) 222-0137 Pusok, Lapu-lapu City Tel: (032) 236-0152 Tacloban - J. Romualdez (02) 575-3888 loc. 8235 Tel: (032) 238-4958 (02) 575-3888 loc. 8174 Iloilo - Iznart Rul Bldg., J. Romualdez St. Cagayan de Oro - Velez (02) 575-3888 loc. 8115 G/F, B & C Square Bldg., Iznart Tacloban City 50 Juan Sia Bldg. Davao - Lanang Cebu - Magallanes cor. Solis Sts., Iloilo City, Iloilo Tel: (053) 832-2717 Don Apolinar Velez St. Blk. 5 Lot 6, Insular Village Cebu - A.C. Cortes 60 Quiaco Bldg., Magallanes Tel: (033) 338-1961 (02) 575-3888 loc. 8590 Cagayan de Oro City Pampanga, Lanang, Davao City G/F, Carlos Perez Bldg. cor. Gonzales Sts., Cebu City, Cebu (02) 575-3888 loc. 8131 Misamis Oriental Tel: (082) 234-0726 A.C. Cortes Ave., Ibabao Tel: (032) 254-1940 Tagbilaran City Tel: (088) 857-8801 (02) 575-3888 loc. 8370 Mandaue City, Cebu (02) 575-3888 loc. 8361 Iloilo - Jaro CPG Ave., 2nd District (02) 575-3888 loc. 8338 Tel: (032) 236-1458 Jaro Townsquare Tagbilaran City, Bohol Davao - Maa (02) 575-3888 loc. 8228 Cebu - Mandaue North Road Mandaue Foam Bldg. Tel: (038) 411-0903 Cotabato City G/F, Units 1,2 and 3, Rosario Bldg. UG/F, Blocks 01 to 03 Quintin Salas, Jaro, Iloilo City, Iloilo (02) 575-3888 loc. 8265 31 Quezon Ave., Poblacion 5 Don Julian Rodriguez Ave. Cebu - A.S. Fortuna ALDO Bldg., North Road Tel: (033) 320-0241 Cotabato City Maa Road, Davao City AYS Bldg., AS Fortuna St. Basak, Mandaue City, Cebu (02) 575-3888 loc. 8245 Tel: (064) 421-5962 Tel: (082) 327-3547 Banilad, Mandaue City, Cebu Tel: (032) 236-5582 MINDANAO (02) 575-3888 loc. 8363 (02) 575-3888 loc. 8594 Tel: (032) 236-4792 (02) 575-3888 loc. 8133 Iloilo - Ledesma (02) 575-3888 loc. 8173 Sta. Cruz Arancillo Bldg., Ledesma Bukidnon - Valencia Davao - Agdao Davao - Magsaysay Cebu - Mandaue Subangdaku cor. Fuentes Sts., Iloilo City, Iloilo Units 2 to 4, Tamay Lang, Park Lane Doors 2 to 3, Cabaguio Plaza Lot 100-C, EWB Bldg., Brgy. 030 Cebu - Banilad Kina Bldg., National Highway Tel: (033) 336-0441 G. Laviña Ave., Poblacion Cabaguio Ave., Agdao, Davao City Poblacion, R. Magsaysay Ave. G/F, Unit 101, PDI Condominium Subangdaku, Mandaue City, Cebu (02) 575-3888 loc. 8380 Valencia City, Bukidnon Tel: (082) 222-2029 Davao City Gov. M. Cuenco Ave. cor. J. Panis St. Tel: (032) 346-5268 Tel: (088) 828-4078 (02) 575-3888 loc. 8518 Tel: (082) 222-1279 Banilad, Cebu City. Cebu (02) 575-3888 loc. 8357 (02) 575-3888 loc. 8281 (02) 575-3888 loc. 8548 Tel: (032) 232-5582 (02) 575-3888 loc. 8360

[ 72 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 73 ]

EWBC 2016 AR June 7.indd 72 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 73 6/15/17 11:42 AM Store Network Store Network as of May 31, 2017 as of May 31, 2017 (Equipped with ATM unless indicated) (Equipped with ATM unless indicated)

Davao - Matina General Santos - Santiago Tagum City METRO MANILA Gumaca Sta. Rosa Blk. 3 Lot 16, McArthur Highway Ireneo Santiago Blvd. Gaisano Grand Arcade MAJT Bldg., Brgy. Pipisik FLC Business Center Matina, Davao City General Santos City Apokon Road, Lapu-Lapu Ext. Pasig Gumaca, Quezon National Highway, Brgy. Macabling Tel: (082) 299-0893 Tel: (083) 552-0537 Brgy. Visayan Village, Tagum City KSN Bldg., C. Raymundo Ave. Tel: (042) 717-5306 Sta.Rosa, Laguna (02) 575-3888 loc. 8377 (02) 575-3888 loc. 8117 Davao del Norte Cainogan, Pasig City Tel: (049) 837-0549 Tel: (084) 216-4325 Tel: (02) 916-1023 / 643-6334 Irosin Davao - McArthur Matina Iligan City (02) 575-3888 loc. 8152 M.H. Del Pilar St., Brgy. San Julian Tarlac BGP Commercial Complex II Bldg. G/F, Party Plaza Bldg. Tanay Irosin, Sorsogon Silayan Business Center Bldg. McArthur Highway, Matina Quezon Ave. Ext., Rabago Zamboanga - Canelar M.H. Del Pilar, Brgy. Plaza Aldea Brgy. Santo Cristo, Tarlac City Davao City Iligan City, Lanao del Norte Printex Bldg., M.D. Jaldon St. Tanay, Rizal Legazpi Tel: (045) 628-1131 Tel: (082) 285-8086 Tel: (063) 222-1681 Canelar, Zamboanga City Doors 2-3, Bicol Wei Due (02) 575-3888 loc. 8519 (02) 575-3888 loc. 8111 Tel: (062) 990-1110 Fraternity Bldg., Quezon Ave. Tuguegarao (02) 575-3888 loc. 8270 LUZON Oro Site, Legazpi City, Albay Don Domingo St., Brgy. Centro 11 Davao - Panabo City Kidapawan Tel: (052) 820-0697 Tuguegarao City, Cagayan Valley Quezon St., Sto. Niño, Panabo City Doña Leonila Complex Zamboanga - NS Valderrosa Baguio * Tel: (078) 396-2133 Davao del Norte National Highway, Poblacion N.S. Valderrosa cor. Corcuerra Sts. 2/F, Jose Miguel Bldg. II Lucena Tel: (084) 628-4022 Kidapawan City, North Cotabato Zamboanga City Yandoc St. cor. Naguillan Road Land Co Bldg., ML Tagarao St. (02) 575-3888 loc. 8236 Tel: (064) 577-3989 Tel: (062) 992-6571 Brgy. Kayang Ext., Baguio City Brgy 3, Lucena City VISAYAS (02) 575-3888 loc. 8551 (02) 575-3888 loc. 8339 Benguet Tel: (042) 373-0976 Davao - Quirino Bacolod Centron Bldg., Quirino Ave. Koronadal City Batangas Masbate R.S. Bldg. cor. Hilado Ext. and cor. General Luna St., Davao City G/F, RCA Bldg., Gen. Santos Drive G/F, Epicenter, National Highway Door 1-2, Sanchez Bldg., Sitio Cagba 6th St., Capitol Shopping Center Tel: (082) 224-0582 Koronadal City, South Cotabato Brgy. Balagtas, Batangas City Brgy. Tugbo, Masbate City Lacson, Bacolod City (02) 575-3888 loc. 8547 Tel: (083) 520-0021 Tel: (043) 781-0526 Negros Occidental (02) 575-3888 loc. 8179 Meycauayan - Bulacan Tel: (034) 709-1294 Davao - Sta. Ana Cabanatuan * Manila North Road G/F, GH Depot Bldg., Gov. Sales St. Ozamiz City McArthur Highway, Brgy. Calvario Bulanadi Bldg., Maharlika Highway Baybay Sta. Ana, Davao City G/F, Casa Esperanza Meycauayan City, Bulacan Brgy. H. Concepcion Oppura Bldg., M.L. Quezon Tel: (082) 221-4021 Don Anselmo Bernard Ave. Cabanatuan City, Nueva Ecija cor. D. Veloso Sts., Brgy. Poblacion (02) 575-3888 loc. 8371 Ozamis City, Misamis Occidental Naga Tel: (044) 463-0275 Zone 9, Baybay, Leyte Tel: (088) 564-0158 Doors 48-49, Crescini Bldg. Tel: (053) 563-8019 Davao - Toril (02) 575-3888 loc. 8126 Cainta CBD 2 Triangulo, Naga City Saavedra St., Toril, Davao City Tel: (054) 811-7447 / 472-0447 Unit 101, East 1900, Gate 3 Bogo * Tel: (082) 295-6623 Pagadian City Vista Verde Executive Village CPN Bldg., M.H. del Pilar St. (02) 575-3888 loc. 8134 BMD Estate Bldg., F. Pajeres Palawan - Narra Felix Ave., Cainta, Rizal Brgy. Lourdes, Bogo City, Cebu cor. Sanson St., Pagadian City National Highway Tel: (02) 647-1267 / 682-0085 Tel: (032) 340-0109 Dipolog City Zamboanga del Sur Brgy. Panacan II, Narra, Palawan G/F, Felicidad II Bldg., Quezon Ave. Tel: (062) 215-4681 Daet * Tel: (048) 434-1105 Miputak, Dipolog City (02) 575-3888 loc. 8186 Blk. 8 Lot-11, FMDC Bldg. Orquin St. cor. Magsaysay Blvd. Tel: (065) 908-0360 Central Plaza Complex Palawan - Puerto Princesa (02) 575-3888 loc. 8522 Surigao City Whitelines Bldg. Brgy. Balud, Calbayog City, Samar Brgy. Lag-on, Daet Tel: (055) 533-9767 G/F, EGC Bldg., Rizal St. Camarines Norte 201 National Highway General Santos City - Calumpang Washington, Surigao del Norte Brgy. San Pedro Carcar Calumpang Medical Specialist Bldg. Tel: (086) 231-5155 Dagupan Puerto Princesa City, Palawan National Highway, Calumpang (02) 575-3888 loc. 8264 Tel: (048) 434-1105 Ramos Bldg., P. Nellas St. Abarabar Bldg., Perez Blvd. Poblacion III, Carcar City, Cebu General Santos City Brgy. Pogo Chilo, Dagupan City Tel: (083) 552-4739 Tacurong Tel: (075) 529-0925 Pampanga - La Union (02) 575-3888 loc. 8553 Alunan National Highway Diversion Road, Brgy. Pagdaraoan Catarman Tacurong, Sultan Kudarat San Fernando City, La Union Benpres Bldg., South Diversion Road Dasmariñas Brgy. Macagtas, Catarman, Samar General Santos - Pioneer Tel: (064) 562-0473 Lot 4, Aguinaldo Highway Tel: (072) 607-8554 Laiz Bldg., Pioneer (02) 575-3888 loc. 8597 Brgy. Salitran, Dasmarinas City cor. Magsaysay Ave. Pampanga - San Fernando Cebu City * Cavite JEThouse Bldg., 36 Osmeña Blvd. General Santos City Tel: (046) 424-0149 Suburbia North Subd. Tel: (083) 552-2472 McArthur Highway, Brgy. Maimpis Brgy Sambag II, Cebu City, Cebu (02) 575-3888 loc. 8523 San Fernando City, Pampanga Iloilo National Road, Brgy., Tagbak Jaro, Iloilo City Tel: (033) 320-2097 / 335-8770

* No ATM [ 74 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 75 ]

EWBC 2016 AR June 7.indd 74 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 75 6/15/17 11:42 AM Store Network as of May 31, 2017 (Equipped with ATM unless indicated)

Jagna Tagbilaran Davao * Mangagoy Tandag * DQ Lodge Bldg., Brgy. Looc G/F, Sum Bldg., 29 San Jose St. Uyanguren St., Ramon Magsaysay Ave. EWRB Bldg., Espiritu St. Pimentel Bldg., Donasco St. Jagna, Bohol Brgy. Bogu, Cogon Dist. Brgy. 29-C, Davao City Mangagoy, Bislig City Brgy. Bag-ong Lungsod, Tandag City Tel: (082) 238-7700 loc. 7494 Tagbilaran City, Bohol Davao del Sur Surigao del Sur Surigao Del Sur Tel: (038) 235-6747 Tel: (082) 305-5890 / 224-2804 Tel: (086) 853-2435 Tel: (086) 211-3513 / 211-4128 Kabankalan * The Crossing Guazon St., Brgy. 2 Talibon Dipolog Maramag Tento Kabankalan City, Negros Occidental G/F, Edificio Luciano-Aurorita Bldg. Gen. Luna cor.Calibo Sts. G/F, Abao Bldg., Bonifacio St. P-7, Juan Luna St., Brgy. Poblacion Tel: (034) 471-0083 CPG Ave., Brgy. Poblacion Dipolog City, Zamboanga del Norte Phase 1A, South Poblacion Trento, Agusan del Sur Talibon, Bohol Tel: (065) 908-1879 Maramag, Bukidnon Tel: (085) 255-2565 / 255-2525 Larena Tel: (038) 515-5860 GDM Bldg., North Poblacion General Santos Mati Valencia * Bonifacio St., Larena, Siquijor Tanjay UTD Bldg., J. Catolico Ave. Magricom Bldg. 2, Limatoc St. Alkuino Bldg., Purok 2 Tel: (035) 377-2344 Magallanes cor. Basa Sts., Pob.2 Lagao, General Santos City Central, Mati City, Davao Oriental Sayre Highway, Poblacion Tanjay City, Negros Oriental South Cotabato Tel: (087) 811-4083 / 811-4093 Valencia City, Bukidnon Tel: (035) 522 8177 Tel: (083) 301-8823 Tel: (088) 828-4108 R. Kangleon St., Brgy. Tunga-tunga Midsayap Maasin City, Southern Leyte Toledo * Gingoog Crossing Poblacion 8 Zamboanga City Tel: (053) 570-8513 Ma. Theresa Isabel Bldg. Dupoint Arcade Midsayap, North Cotabato Nunez Ext., Brgy. Camino Nuevo 4, Peñalosa St., Luray I National Highway, Brgy. 17 Tel: (064) 229-9735 Mayor Vitaliano Agan Ave. Mandaue Toledo City, Cebu Gingoog City, Misamis Oriental Zamboanga City Tel: (032) 467-8696 Northside Business Hub Bldg. Tel: (088) 861-1028 Nabunturan Tel: (062) 310-3509 A.P. Cortes cor. G. Lopez Jaena Sts. Amatong Bldg., Purok 11 Poblacion Brgy. Tipolo Highway, Mandaue City Ipil Nabunturan, Compostela Valley Tel: (032) 520-8548 MINDANAO Gethsemane St., Purok Malipayon Poblacion Ipil, Zamboanga Sibugay Nasipit Ormoc Butuan * Tel: (062) 955-7411 Roxas St.,Brgy. 4, Nasipit Real St. cor. Brgy. San Vidal Pareñas Bldg., South Montilla Blvd. Agusan Del Norte Dist. 21, Ormoc City Brgy. Golden Ribbon, Butuan City Isulan Tel: (085) 343-2078 Tel: (053) 255-3074 Agusan del Norte Valdez Bldg. Arcade, National Highway Tel: (085) 342-2911 Brgy. Kalawag II, Isulan, Sultan Kudarat Pagadian Ormoc Tel: (064) 471-0359 Vicente Araneta Tolibas Bldg. Real St. cor. Brgy. San Vidal Bayugan Jamisola cor. Ariosa Sts. Dist. 21, Ormoc City Libres St., Brgy. Taglatawan Kabacan * Santiago Dist., Pagadian City Tel: (053) 255-3074 Bayugan, Agusan del Sur National Road, Rizal St. Zamboanga del Sur Tel: (085) 343-6018 Brgy. Poblacion, Kabacan Tel: (062) 215-4263 Passi North Cotabato Simeon, Aguilar St. Tel: (064) 557-1418 Cabadbaran San Francisco Poblacion Ilawod, Passi City, Iloilo Rara cor. A. Curato Sts., Brgy. 8 Quezon St., Brgy. 2 Tel: (082) 238-7700 loc. 7495 Kitcharao * Poblacion, Cabadbaran City San Francisco, Agusan del Sur National Highway, Songkoy Agusan del Norte Tel: (085) 343-9469 Kitcharao, Agusan del Norte San Carlos * Tel: (085) 343-1042 F.C. Ledesma Ave., Center Mall Tel: (086) 826-7542 Surigao City Brgy. Palampas, San Carlos City Cagayan de Oro Parkway KM.2, Brgy. Luna Negros Occidental Silverdale Bldg., Capistrano Koronadal Surigao City, Surigao del Norte cor. Mabini Sts., Brgy. 14 Purok Mabuhay, Brgy. Zone IV Koronadal City, South Cotabato Sogod Cagayan de Oro City Tagoloan Tel: (083) 520-0863 / 228-7610 L. Regis St., Brgy. Zone 5 Tel: (088) 856-6401 National Highway, Brgy. Poblacion Sogod, Southern Leyte Tagoloan, Misamis Oriental Dapa * Madrid Tel: (082) 238-7700 loc. 7456 Tacloban Mabini St., Brgy. 11, Poblacion Arpilleda cor. Buniel Sts. G/F, Insular Life Bldg. Brgy. Quirino, Madrid, Surigao del Sur Dapa, Surigao del Norte Tagum Avenida Veteranos St., Brgy. 34 Tel: (086) 213-4014 Tel: (086) 365-1637 / 826-3578 KORE Bldg., Purok Doctolero Tacloban City Brgy. Magugpo East, Tagum City Tel: (053) 523-9189 Davao del Norte Tel: (088) 227-4071

* No ATM * No ATM [ 76 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 77 ]

EWBC 2016 AR June 7.indd 76 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 77 6/15/17 11:42 AM Off-site ATM Network as of May 31, 2017

METRO MANILA Super 8 - Guadalupe SM Savemore Nagtahan Parañaque City Quezon City Sogo Hotel Guadalupe Commercial Complex Nagtahan cor. R. Magsaysay Blvd. G/F, Sogo Corporate Office Caloocan EDSA, Guadalupe SM Sucat Ayala 629 EDSA, Cubao Super 8 Blumentritt SM Sucat, Dr. A. Santos Ave. Ayala Fairview Terraces SM Center Sangandaan Mandaluyong Aurora Blvd. cor. Cavite St. San Dionisio Quirino Highway cor. Maligaya Drive Super 8 - Novaliches Bayan 3/F, near Cinema, Samson Road Sta. Cruz Novaliches Quirino Highway, Brgy. Sta. Monica Sangandaan 7-11 Barranca Super 8 - Baclaran Novaliches Proper, Novaliches Boni Ave., Barangka Drive Philippine Star 240 Quirino Ave., Baclaran Eastwood 1800 202 Oca Rail Road St., Port Area Paranaque City 1880 Eastwood Ave. Super 8 - Ortigas Exit Las Piñas City 7-11 JRC Eastwood City, Cyberpark 8005 G.P. Ortigas Ave. Ext. Shaw Blvd. cor Kalentong St. Robinsons Place Manila Pasay City E. Rodriguez, Jr Ave. (C5) Brgy., Sta.Lucia, Rosario SM Center Las Piñas M. Adriatic, cor. Pedro Gil, Malate Pasig City Alabang Zapote Road Filinvest - Mandaluyong 1 and 2 SM Mall Of Asia Eastwood Mall Brgy. Talon Dos 7/F, Filinvest Bldg., 79 EDSA SM San Lazaro Mall of Asia Complex 3/F, Eastwood Mall UP Town Center UG/F, SM San Lazaro J.W. Diokno Blvd., CBPIA E. Rodriguez Jr. Ave. (C5) 2/F, ATM Center, UP Town Center Robinsons Forum Pioneer Felix Huertas cor. AH Lacson St. Pasay City Bagumbayan, Libis Katipunan Ave. Makati City 30 EDSA cor. Pioneer St. FEU-NRMF World Citi Hospital 7-11 F. Yabut Shangri-La Plaza Marikina City Pasig City Regalado Ave. cor. Dahlia Aurora Blvd. F. Yabut St. near cor. EDSA LG/F, East Wing, EDSA West Faiview Guadalupe Nuevo Goldwing 7-11 Pasig Rotonda SM Megamall 61 F. Balagtas St., Parang Pasig Blvd. cor. Sixto Antonio Landmark Trinoma Rizal AlphaLand Southgate Mall SM Megamall Bldg., Julia Vargas EDSA cor. Mindanao Ave. Ext. 3/F, Alphaland Southgate Mall cor. EDSA Wack Wack Village Riverbanks Mall 7-11 Zabarte EWRB Cainta 2258 Chino Roces Ave. Ext. A. Bonifacio Ave. Quirino Highway cor. Zabarte Ave. Robinsons Magnolia Unit 101, East 1900 Bldg, Gate 3 cor. EDSA SM Megamall Wing B Novaliches Aurora Blvd. cor. Dona Hemady St. Vista Verde Executive Village 2/F, ATM Center SM Marikina Felix Ave., Cainta, Rizal Cash & Carry SM Megamall Wing B SM Marikina, Marcos Highway Finman Robinsons Nova Market 7 Filmore near cor. Buendia EDSA cor. J. Vargas Ave. Kalumpang 360 Dr. Sixto Antonio Ave. Brgy. Pasong Putik M.L. Quezon Caniogan Quirino Highway, Novaliches 146 M.L. Quezon Ave. Century Mall cor. F. Dimanlig St., Antipolo City Century City Mall Manila Muntinlupa City Luckygold Plaza Shopwise Araneta Kalayaan Ave. cor. Salamanca St. 2/F, Luckygold Plaza Bldg. Araneta Center, Cubao Robinsons Place Cainta Brgy. Poblacion 7-11 UP Manila Fastbyte North Cyberzone 58 Ortigas Ave. Ext. 2/F, ATM Center, Ortigas Ave. Ext. Pedro Gil St. near cor. Taft Ave. FastByte, North Cyberzone SM Fairview Brgy. Sto. Domingo, Cainta DMCI Homes Malate Northgate, Filinvest Corporate City New Rosario Arcade SM City Fairview Complex 132 Apolinario St., Bangkal Alabang New Rosario Ortigas Arcade Quirino Highway, Fairview SM Taytay 7-11 UN Ave. Manila East Road, Dolores, Taytay Governor Pascual 900 UN Ave., Ermita Metro Gaisano Alabang Ortigas - Rockwell SM North EDSA G/F, Philam Tower Metro Gaisano Mall G/F, Tower 3 Parking Lot, SM North EDSA Complex SM Cogeo Antipolo 8767 Paseo de Roxas Amosup - Mariners Home The Rockwell Business Center Pag asa 1, EDSA SPI Bldg., Manuel L. Quezon Ave. AJSU - Amosup Mariners Home Annex Alabang-Zapote Road Ortigas Ave. Brgy. San Roque, Antipolo City 1 1970-1980 Pilar Hidalgo Lim St. SM Novaliches 2/F, Glorietta 1, South Drive Malate Rose Pharmacy FSM Robinsons Galleria Quirino Highway, San Bartolome Super 8 Masinag G/F, Festival Supermall, Alabang EDSA cor. Ortigas Ave. Novaliches 182 Marcos Highway Ever Gotesco Manila cor. Sumulong Highway Landmark Makati Ever Manila Plaza Shopwise Alabang Robinsons Metro East SM Sta. Mesa Araneta Brgy. Mayamot, Masinag Ayala Center Makati 1962 C.M. Recto Ave. G/F, Shopwise Alabang Marcos Highway, Brgy. Dela Paz Araneta Entrance, Ramon Magsaysay Antipolo City Festival Supermall Santolan cor. Araneta Ave. Pasong Tamo Head Office Lucky Chinatown Mall 2264 Pasong Tamo Ext. G/F, Lucky Chinatown Mall The Palms Country Club SM Center Pasig SM Sta. Mesa Supermarket San Juan City Brgy. Magallanes Reina Regente cor. Dela Reina St. 1410 Laguna Heights Drive Frontera Verde, C5, Brgy. Ugong Ramon Magsaysay cor. Araneta Ave. Brgy. 293, Zone 28, Dist. 3, Binondo Filinvest City, Alabang Theatre Mall St. Clare’s Medical Center St. Paul Pasig SM Sun Mall Ortigas Ave., Greenhills 1838 Dian St., Brgy., Palanan Pateros Vector - Alabang St. Paul Road, Brgy. Ugong SMDC Sun Residences ATM #3 M. Almeda cor. G. De Borja Sts. G/F, Vector One Bldg. near Mayon Entrance, España Blvd. San Roque, Pateros Northgate Cyberzone cor. Mayon St. Alabang, Muntinlupa City

[ 78 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 79 ]

EWBC 2016 AR June 7.indd 78 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 79 6/15/17 11:42 AM Off-site ATM Network as of May 31, 2017

Taguig City EWRB Dagupan EWRB Valencia Robinsons Sta. Rosa Market EWRB Baybay EWRB Tanjay Abarabar Bldg., Perez Blvd. Alkuino Bldg.,Sayre Highway 1/F, Old National Highway cor. M.L. Quezon and D. Veloso Sts. Magallanes St. cor. Basa St. Market Market Dagupan City Poblacion, Valencia City, Bukidnon Brgy. Tagapo, Sta. Rosa, Laguna Baybay, Leyte Pob. 2, Tanjay City, Negros Oriental 4/F, ATM Center, Market Market EWRB Dasma FPF Manufacturing Corporation San Pedro EWRB Bogo Mandaue EWRB Toledo SM Aura Premier Lot-4 Aguinaldo Highway 11th Ave., Phase II FAB National Highway, San Pedro, Laguna CPN Bldg., M.H. Del Pilar St. Peñalosa St., Luray I L/G, Parking Entrance near DHL Brgy. Salitran,Dasmarinas City Mariveles, Bataan Carbon, Bogo City, Cebu Toledo City, Cebu SM Aura Premier, 26th St. Cavite SM City Lipa cor. McKinley Parkway J.P. Laurel Highway, Lipa City EWRB Calbayog Gaisano Casuntingan EWRB Legazpi Rizal Highway Irigon Bldg., Pajarito St. M.L. Quezon Ave., Casuntingan Uptown Mall Doors 2 and 3, Bicol Wei Due Subic Bay Freeport Zone Tuguegarao Calbayog City, Western Samar Mandaue City, Cebu G/F, Uptown Mall, 9th Ave. Fraternity Bldg., Quezon Ave. Brgy. 8 Poblacion, Rizal College Ave. cor. 36th St., Bonifacio Global City Oro Site, Legazpi City Ilocos Sur - Candon cor. Bonifacio and Burgos Sts. EWRB Dumaguete Gaisano Country Mall Brgy. San Jose, Candon City, Ilocos Sur Tuguegarao City D and J Bldg., Dr. V. Locsin St. G/F, Banilad, Cebu Wumaco - BGC EWRB Lucena Poblacion 7, Dumaguete City WUMACO Bldg., 9th St. Benco Bldg., Enriquez Jollibee Mabalacat Waltermart Calamba Gaisano Grand Fiesta Mall Bonifacio Global City cor. Juarez Sts., Lucena City Lot 301, McArthur Highway Brgy. Makiling, National Highway EWRB F. Ramos Highway Tabunok Brgy. San Francisco Calamba, Laguna V. Yap Bldg., 29 F. Ramos St. Talisay City, Cebu EWRB Meycauayan Mabalacat City, Pampanga Cebu City LUZON 2602 Malhacan National Road Gaisano Grand Minglanilla Brgy. Malhacan, Meycauayan City LDP Corp. VISAYAS EWRB Iloilo Minglanilla, Cebu Aces Agri - Echague Bulacan LDP Farms Food Corporation Bldg. Robinsons Place, Mabini St. Km. 342, Maharlika Highway Brgy. Rabon, Rosario, La Union Ayala Center Cebu Roxas Village, Iloilo City Gaisano Grand Mall Mactan Brgy. Garit Norte EWRB Naga 2/F, Ayala Center Cebu Expansion Brgy. Basak, Agus Road Magnolia Chicken Plant Unit 43, Central Business Market Market , Cebu City EWRB Legazpi Lapu-lapu City, Cebu Echague, Isabela District 2 Terminal, Naga City Blk. 2 Lot 1 and Blk. 1 Lot 3 Units 2 and 3 Maharlika Highway, Brgy. Dicarma Bacolod - Mandalagan Bicol Wei Due Fraternity Bldg. Gaisano Mactan Island Mall Bacoor - Molino EWRB Palawan Cabanatuan City, Nueva Ecija Lopue’s Mandalagan Corp. Bldg. Quezon Ave., Oro Site, Legazpi City Pajo, Lapu-lapu City, Cebu G/F, Units 101 to 103 National Highway, Brgy.San Pedro Brgy. Mandalagan, Bacolod City VCenrtal Molino Bldg. Puerto Princesa City, Palawan EWRB Maasin Gaisano Mactan Saver’s Mart Bgy. Molino, Bacoor, Cavite City 3/F, Marquee Mall Bogo - Mandaue R. Kangleon St., Tunga-Tunga Basak, Lapu-Lapu City, Cebu EWRB San Fernando - La Union Francisco G. Nepo Ave. CPN Bldg., M.H. Del Pilar St. Maasin City, Southern Leyte Baguio - Session Road Brgy. Pagdurawan, Diversion Road Angeles City, Pampanga Carbon, Bogo City, Cebu Gaisano Metro Store Lapu-Lapu Unit 101, Bldg. B, Lopez Bldg. San Fernando, La Union EWRB Mandaue Subangdaku M.L. Quezon Highway, Pajo Session Road cor. Assumption Road Mimosa CitiScape Inc. - Quest Hotel Boracay Villa Lourdes Dayzon Bldg., Lopez Jaena St. Lapu-lapu City, Cebu Baguio City EWRB San Fernando - Pampanga Mimosa Hotel, M.A. Roxas Highway D’Mall Station 2, Brgy. Balabag Subangdaku, Mandaue City, Cebu Suburbia North Subd. Clark Freeport Zone, Subic Boracay Island, Malay, Aklan Gaisano SRP Bataan 2020 McArthur Highway Pampanga EWRB Ormoc South Reclamation Project Roman Superhighway San Fernando City, Pampanga Cebu - M. Velez Juan Luna St., Sabang, Ormoc City Talisay City, Cebu Samal, Bataan Mitsubishi - Laguna 151 M. Velez St., Guadalupe EWRB Sta. Rosa - Laguna Mitsubishi Motors Philippine Corp. Cebu City EWRB Roxas Gaisano Tisa Centro Mall Cabuyao LC Business Center 1 Auto Park Ave. Unit 2, CLER Grand Hotel 126 F. Llamas St., Tisa, Labangon Brgy. Pulo, National Highway Road National Highway, Brgy. Macabling Greenfield Automotive Park Cebu - A.S. Fortuna Brgy. Lawaan, Roxas City Mandaue City, Cebu Cabuyao, Laguna Sta. Rosa, Laguna Sta. Rosa, Laguna AYS Bldg., AS Fortuna St. Banilad, Mandaue City, Cebu EWRB Tacloban J Center Mall District Imus EWRB San Fernando - Tanay Optis Phils. Inc. G/F, Insular Life Bldg. AS Fortuna St., Bakilid Aguinaldo Highway MH Del Pilar St., Plaza Aldea Blk. 3 Lot 1-7, Gateway Business Park Cebu Grand Cenia Avenida Veterans St., Brgy. 34 Mandaue City, Cebu cor. Daang Hari Road Tanay, Rizal Brgy. Javalera, Gen. Trias, Cavite Archbishop Reyes cor. Solon Sts. Tacloban City Brgy. Anabu II-D, Imus, Cavite Banilad, Cebu City La Nueva City Hall EWRB Tarlac Robinsons Place Dasmariñas EWRB Tagbilaran M.C. Briones St. DMCI Calaca Silayan Business Center 1/F, near Handyman Crimson Bay Hotel G/F, Sum Bldg. 29 San Jose St. San Roque, Cebu DMCI Calaca, Gate 4, San Rafael Brgy. Santo Cristo, Tarlac City Aguinaldo Highway cor. Gov’s Drive Seascape Resort Town Brgy. Cogon, Tagbilaran City, Bohol Calaca, Batangas Sitio Palapala, Dasmarinas, Cavite Sitio Dapdap, Lapu-Lapu City La Nueva Supermart EWRB Tuguegarao Mactan, Cebu EWRB Talibon G.Y. Dela Serna St. EWRB Batangas Don Domingo St., Tuguegarao City Robinsons Place Imus G/F, Edificio Luciano Aurorita Bldg. Lapu-Lapu City, Cebu G/F, Epicenter, National Highway G/F, E. Aguinaldo Highway, EWRB Bacolod CPG Ave., Poblacion, Talibon, Bohol Brgy. Balagtas City Tanzang Luma V, Imus, Cavite R.S. Bldg. cor. Hilado Ext. and 6th St., Lacson, Bacolod City Negros Occidental

[ 80 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 81 ]

EWBC 2016 AR June 7.indd 80 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 81 6/15/17 11:42 AM Off-site ATM Network as of May 31, 2017

Robinsons Fuente Dapa EWRB Gingoog EWRB Roxas Gaisano Mall Tagum Veranza Mall Fuente Osmena, Cebu City, Cebu Mabini St., Brgy. 11, Poblacion DESMARK Arcade, Brgy. 17 Unit 2, CLER Grand Hotel Apokon Road cor. Lapu Lapu Ext. J. Catolico Ave., General Santos City Dapa, Surigao del Norte National Highway, Gingoog City Brgy. Lawaan, Roxas City Brgy. Visayan Vill., Tagum City Marina Mall Victoria Plaza G/F, Blk. C108, Mactan Davao - Bajada EWRB Ipil EWRB San Francisco Kabacan - Cotabato J.P. Laurel Ave., Bajada, Davao City Lapu Lapu City, Cebu G/F, Dona Carolina Uykimpang Bldg. Eastwest Rural Bank, Inc., Ipil Brgy. 2, Quezon St. National Road, Rizal St.Poblacion JP laurel Ave. cor. Inigo St., Bajada Sibugay, Zamboanga San Francisco, Agusan del Sur Kabacan, Cotabato Park Mall National Road, Davao City Park Mall, Ouano Ave. EWRB Kabacan Cotabato EWRB Sto. Tomas Koronadal City Reclamation Area Davao - C.M. Recto National Road, Rizal St. Brgy. Tibal-og 2, National Highway G/F, RCA Bldg., Gensan Drive Mandaue City, Cebu P&E Bldg., Poblacion, Brgy. 035 Poblacion, Kabacan, Cotabato Davao Del Norte Koronadal City CM Recto Ave., Davao City SM City Cebu EWRB Kitcharao EWRB Surigao Midsayap Cotabato North Reclamation Area, Cebu Davao - Tagum Brgy. Songkoy, National Highway Parkway Km. 3, Brgy. Luna Crossing Poblacion 8 G/F, Unit GA07-09 Kitcharao, Agusan del Norte Surigao City, Surigao del Norte Midsayap, Cotabato SM City Cebu 2 Gaisano Grand Arcade, Apokan St. LG/F, North Reclamation Area, Cebu cor. Lapu-lapu Ext., Tagum City EWRB Koronadal EWRB Tagoloan Nasipit Davao City UGA Bldg., Gensan Drive National Highway, Poblacion Roxas St., Nasipit, Agusan del Norte SM City Consolacion Purok Mabuhay, Zone IV Tagoloan, Misamis Oriental Cebu North Road, Brgy. Lamac Davao - Toril Koronadal City NCCC Mall Magsaysay Consolacion, Cebu Saavedra St., Toril, Davao City EWRB Tagum - Davao del Sur Magsaysay Ave., Uyanguren EWRB Madrid Magugpo East, Davao del Sur Davao City SM City Iloilo EWRB Bayugan Arpilleda cor. Buniel Sts. Tagum City Benigno Aquino Ave. Libres St., Taglatawan, Bayuga Brgy. Quirino, Madrid NCCC Mall Matina Diversion Road, Iloilo City Agusan del Sur Surigao del Sur EWRB Tandag McArthur Highway cor. Maa Road Pimentel Bldg., Donasco St. Davao City SM Seaside Cebu EWRB Butuan EWRB Mangagoy Bagong Lungsod, Tandag 1024-B, SM Seaside City Cebu Pareñas Bldg., South Montilla Blvd. Espiritu St., Mangagoy Surigao del Sur NCCC Panacan SRP-Mambaling Road, Cebu Brgy. Golde Ribbon, Butuan City Bislig City, Surigao del Sur Km. 13, Panacan, Davao City EWRB Trento EWRB Cabadbaran EWRB Mati Purok 7, Poblacion, Trento Pagadian - FS Fajares Avenue MINDANAO Units 2 and 3, Atega Bldg. A Magricom Bldg. 2, Limatoc St. Agusan del Sur BMD Estate Bldg., F. Pajares Curato cor. Rara Sts. Central, Mati, Davao Oriental cor. Sanson Sts., Pagadian City Apo View Hotel Cabadbaran City Gaisano Grand Ilustre Zamboanga del Sur 150 J. Camus St., Davao City EWRB Midsayap Cotabato Ilustre St., Davao City EWRB CDO Crossing, Poblacion 8 Robinsons Cybergate Davao Corporate Center Tiano cor. Cruz Taal Sts. Midsayap, Cotabato Gaisano Grand Tagum Robinsons Supermarket J.P. Laurel Ave., Bajada Divisoria, Cagayan de Oro City National Highway, Tagum City JP Laurel Ave., Bajada, Davao City Davao City EWRB Nabunturan Davao Del Norte EWRB Dapa Purok 11, Brgy. Poblacion Robinsons Cagayan De Oro Abreeza Mall Mabini St., Brgy 11 Nabunturan, Compostela Valley Gaisano Grand Mall Digos Rosario Crescent cor. Florentino Sts. J.P. Laurel Ave., Bajada, Lanang Poblacion Dapa, Surigao del Norte G/F, ATM Center Limketkai Center, Cagayan de Oro City Davao City EWRB Nasipit Gaisano Grand Mall Digos EWRB Davao Uyangurin Roxas St., Nasipit, Agusan del Norte Digos City, Davao del Sur Robinsons Place General Santos CDO Liceo Uyangurin St. J. Catolico St., Lagao RN Pelaez Blvd., Causwagan Ramon Magsaysay Ave., Davao City EWRB Pagadian Gaisano Mall Tagum Toril General Santos City Cagayan de Oro City Jamisola cor. Ariosa St. G/F, ATM Center EWRB Dipolog Santiago Dist., Pagadian City Gaisano Mall Toril, Toril, Davao City SM City Davao Mall Gen. Luna cor. Calibo Sts. Zamboanga del Sur SM City Davao Annex, Quimpo Blvd. Claro M. Recto and Corrales Ave. Zamboanga Del Norte Gaisano Mall Davao Ecoland, Davao City Cagayan de Oro City EWRB Pagadian UG/F, ATM Center Misamis Oriental EWRB General Santos Jamisola cor. Ariosa St. J.P. Laurel Ave., Davao City SM Lanang Units 2 and 3 Santiago Dist., Pagadian City J.P. Laurel Ave., Bajada, Lanang Centrio Mall 2 Grace Commercial Bldg. Gaisano Mall Gensan Davao City 3/F, Centrio Mall, Claro M. Recto Jose Catolico Sr. Ave. EWRB Panabo - Davao Del Norte J. Catolico St., Lagao Road and Corrales Ave. General Santos City National Highway, Purok 3-A General Santos City SM Novaliches Cagayan de Oro City Brgy. San Francisco, Panab Quirino Highway, San Bartolome Misamis Oriental Davao Del Norte Novaliches

[ 82 ] EASTWEST BANK 2016 ANNUAL REPORT EASTWEST BANK Dream. Live. Achieve. [ 83 ]

EWBC 2016 AR June 7.indd 82 6/15/17 11:42 AM EWBC 2016 AR June 7.indd 83 6/15/17 11:42 AM East West Banking Corporation EastWest Corporate Center The Beaufort, 5th Avenue corner 23rd Street, Bonifacio Global City Taguig 1634 Metro Manila, Philippines

Customer Service Hotline: 888-1700 www.eastwestbanker.com twitter.com/eastwestbanker facebook.com/eastwestbanker

2016 ANNUAL REPORT

EWBC 2016 AR Front and Back Covers only.indd 1 6/15/17 12:09 PM