Company Profile and Investment Overview East West Bancorp | Nasdaq: EWBC December 31, 2013 Safe Harbor Statement

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

2 Our Vision To be recognized as the Premier Bridge between East and West, and acknowledged for delivering relationship driven financial solutions to an increasingly diverse and sophisticated customer base.

3 East West Today (as of December 31, 2013)

• Market Capitalization of $4.8 Billion › 22st Largest Market Capitalization in the U.S. for Public Banks

• Total Assets of $24.7 Billion* › 26th Largest Total Assets in the U.S. for Public Banks › 2nd Largest Independent Bank Headquartered in Southern California

• Ranked in the Top 10 of the 100 Best Banks in America by Forbes for four consecutive years (2010-2013)

• Strong Earnings › Net Income of $295.0 million for 2013 › ROE of 12.65% for Q4 2013

• Over 120 Locations Worldwide* * As of the close of the MetroCorp Bancshares, Inc. acquisition on January 17, 2014, East West • Full Service Branches in Greater China has $26.0 billion in total assets and over 130 locations. • 2,400 Employees

4 East West Bank Milestones

First S&L serving Converted to a Complemented organic 2013 marks the 40th anniversary of East Chinese- state chartered growth with acquisition West. The Bank is well-positioned to continue American market commercial activities to grow our market share and profitability in Southern bank California

1980s/1990s 1998-1999 2009 September 2013 – December 2013

1973 1995 2000-2007 2013 Announced a definitive agreement to acquire MetroCorp Bancshares, With the $9.9B acquisition of Inc., a $1.6 Billion bank Initiated United Commercial Bank, headquartered in Houston, Expansion of management led reached $20 Billion in total TX and received all branch network buyout and trading assets and became one of the regulatory and shareholder in California on Nasdaq 30 largest banks in the U.S. approval of the acquisition

5 Strong Growth and Performance

Total Assets (in billions) CAGR* = 20% Total Loans (in billions) CAGR* = 19%

$18.1

$24.7 $22.5 $15.1 $22.0 $14.1 $14.5 $20.6 $20.7 $13.7

$8.8 $11.9 $12.4 $8.3 $8.2 $10.8 $6.7 $8.3 $5.1 $6.0 $3.2 $4.1

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

Deposits (in billions) CAGR* = 20% Stockholders' Equity (in billions) CAGR* = 21%

$20.4 $2.4 $2.4 $2.3 $2.3 $18.3 $17.5 $2.1 $15.6 $15.0 $1.6

$1.2 $8.1 $1.0 $7.2 $7.3 $6.3 $0.7 $4.5 $0.5 $3.3 $0.4

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

* CAGR from 2003 – 2013

6 Top 25 Banks by Market Capitalization

Market Capitalization Market Capitalization at 12/31/13 at 12/31/13 Rank Company (in billions) Rank Company (in billions) 1 Wells Fargo & Company $239.15 14 Northern Trust Corporation $14.79 2 JPMorgan Chase & Co. 219.84 15 Regions Financial Corporation 13.62 3 Bank of America Corporation 166.07 16 KeyCorp 12.03 4 Citigroup Inc. 158.05 17 Comerica Incorporated 8.70 5 U.S. Bancorp 73.78 18 Huntington Bancshares Incorpora 8.02 6 Capital One Financial Corporatio 44.17 19 First Republic Bank 6.93 7 PNC Financial Services Group, In 41.28 20 Zions Bancorporation 5.53 8 Bank of New York Mellon Corpora 39.78 21 Signature Bank 5.08 9 State Street Corporation 32.22 22 East West Bancorp, Inc. 4.82 10 BB&T Corporation 26.31 23 BOK Financial Corporation 4.79 11 SunTrust Banks, Inc. 19.73 24 SVB Financial Group 4.56 12 Fifth Third Bancorp 18.57 25 Cullen/Frost Bankers, Inc. $4.50 13 M&T Bank Corporation 15.16

Source: SNL Financial (includes all publicly traded banks)

7 Strong Capital Generation

East West Capital Levels Compared East West Book Value Growth to Well Capitalized Guidelines December 2011 to December 2013

East West has excess capital above the well East West has grown book value per capitalized requirement by more than $600 common share by 15% since 2011 and million increased 5% from 2012

15.0% $17.50 13.5% $17.18 11.9% $16.39 10.0% $16.50 10.0% 8.6%

$15.50 6.0% 5.0% $14.92 5.0% $14.50

0.0% $13.50 Tier 1 Leverage Tier 1 Risk-Based Total Risk-Based 12/31/2011 12/31/2012 12/31/2013 Capital Ratio Capital Ratio Capital Ratio

Well Capitalized East West 12/31/2013 12/31/2011 12/31/2012 12/31/2013

8 Active Capital Management

Capital Management Goals › Ensure excellent capital levels to support organic growth › Provide a strong return to our shareholders

Recent Capital Actions Taken 2010 2011 2012 2013 2014

Repaid $306.5 Increased annual Doubled annual Increased dividend Announced dividend million of TARP dividend from dividend from $0.20 to 50% to $0.60 per increase of 20% to preferred stock $0.04 to $0.20 per $0.40 per share share. $0.72 per share. share Repurchased 9.1 million Repurchased 8.0 Called or bought shares of common stock million shares at a back $23.4 million at $200.0 million, under total cost of $200.0 of junior the 2012 authorized million, under the subordinated debt stock repurchase January 2013 which carried rates program authorized stock over 10% repurchase program. Paid off $75.0 million of subordinated debt which Announced additional carried an effective $100.0 million stock interest rate of 1.6% repurchase program in July 2013.

9 Our Distribution Channel

As of December 31, 2013 • Leading retail presence in Asian communities • Commercial banking centers strategically located • In-store branches located in 99 Ranch Markets, largest and fastest growing Asian supermarket chain • Only Chinese-American focused bank with full service banking offices in U.S. and China United States Greater China (111 Branches) (7 Locations)

California – 94 Branches: Full Service Branches - 3 Hong Kong, Shanghai and Shantou Northern California – 30 Locations: Representative Offices - 4 › 28 Full Service Branches Beijing, Guangzhou, Shenzhen, and Taipei › 2 In-Store 99 Ranch Market Branches

Southern California – 64 Locations: › 54 Full Service Branches › 10 In-Store 99 Ranch Market Branches New York – 6 Branches Georgia – 4 Branches Massachusetts – 2 Branches Texas – 1 Branch Washington – 4 Branches

10 Making the U.S. – Greater China Connection

• Headquartered in California, East West Bank is a top performing commercial bank with exclusive focus on the United States and Greater China markets, including full service branches in China. • Greater China is an increasingly important constituent of the global economy › Increasing Chinese foreign direct investment in the U.S. › Cross-border trade between U.S. and Greater China companies • Bank of choice for new immigrant Chinese-Americans • The financial bridge between the East and West › Leading market share in the Chinese-American market – The East › Growing position in key mainstream banking markets – The West › Strengthening network to support cross border business – The East and West

11 The Premier Bridge Between East and West

• Extensive network of contacts and resources in the area provides invaluable access to clients

› Assist clients in cross-border business and personal financial objectives › Bridge customers to manufacturers, distributors and investors in China › Bridge customers in China to business opportunities and personal goals in the U.S.

• Understanding of cultural and business practices on both sides of the Pacific enables us to guide clients through complex business and financial landscapes

• Gateway to U.S. Asian communities for mainstream corporations

› Companies and organizations such as Southern California Edison, Caltech, Sempra Energy, the LA Lakers and the Houston Rockets sought East West to tap into U.S. Asian communities and partner in “Green” initiatives

12 Fourth Quarter 2013 Highlights

• Strong Earnings › Net Income was $75.8 million or $0.55 per share › EPS up 11% from fourth quarter 2012 • Strong ROE and ROA › ROE increased to 12.65% up from 12.26% in fourth quarter 2012 › ROA remains steady at 1.21% compared to 1.28% in fourth quarter 2012 • Solid Net Interest Margin of 3.41% • Cost of Deposits Down 9bps from fourth quarter 2012 to 0.31% • Strong Expense Control with Efficiency Ratio of 47.69% • Strong Loan Growth (including covered and non-covered) › Commercial & Trade Finance loans grew to $5.8 billion › Single family loans grew to $3.5 billion • Core Deposits Grew to a record $14.6 billion • Strengthening Asset Quality › Nonperforming loans remain low at 0.62% of total loans › Nonperforming assets remain low at 0.53% of total assets › Maintaining strong allowance for loan losses on non-covered loans of 1.54% as of December 31, 2013

13 Strong Loan Growth

• Strong total loan growth of $3.01 billion or 20% from December 31, 2012

Change From Diversified Loan Portfolio (in billions) 12/31/12 to 12/31/2013 Loan Category 12/31/2013 12/31/12 12/31/11 $ % Loans HFS 1% SFR 3.19 2.19 1.80 1.00 46% Covered 12% C&I & Trade Finance 5.36 4.23 3.14 1.13 27% C&I Consumer 29% CRE 4.30 3.64 3.49 0.66 18% 9% MFR 0.99 0.90 0.93 0.09 10% Consumer 1.55 0.75 0.59 0.80 107% Const & Land Const & Land 0.29 0.25 0.34 0.04 16% SFR 2% 18% Noncovered 15.68 11.96 10.29 3.72 31%

Covered 2.20 2.94 3.93 -0.74 -25% MFR 5% CRE Loans Held for Sale 0.20 0.17 0.28 0.03 18% 24% Total Loans 18.08 15.07 14.50 3.01 20%

14 Strong Credit Quality

• Asset quality continues to remain strong • NPAs have remained under 1% of total assets for the third consecutive year • Net Charge-offs continue to decline while ALLL level remains strong

Credit Quality ($ in millions) 12/31/13 09/30/13 06/30/13 03/31/13 12/31/12

NPAs Total NPAs $130.6 $124.1 $133.5 $159.5 $141.0 NPA to Total Assets 0.53% 0.51% 0.57% 0.69% 0.63% Nonaccrual loans to total loans 0.62% 0.60% 0.69% 0.83% 0.72%

Allowance for Loan Losses ALLL to non-covered nonaccrual loans 216.68% 225.48% 208.41% 179.92% 212.18% ALLL to total gross non-covered loans* 1.54% 1.60% 1.73% 1.85% 1.92%

Credit Costs Quarterly Annualized Charge-off %* (0.03%) 0.01% 0.12% 0.02% 0.33% Quarterly Provision for Loan Losses on Non-covered Loans $6.29 $4.53 $8.28 ($0.76) $13.77

* Excludes covered loans

15 Diversified Commercial Real Estate Portfolio

Restaurant 2%

Mfr/Warehouse 6% Hotel/Motel Mixed Use 11% Non-covered CRE Loans as of 12/31/13 15% Industrial 15% Loan Balance $4.3 Billion

Average Loan Size $1.7 Million Office Other 14% 7% Medical Average LTV 54% * Small 5% Commercial Shopping Retail Centers 12% 13%

* Based on original appraisal

16 Commercial Real Estate Portfolio

• Non-covered CRE loans total 24% of loans as of December 31, 2013 • East West is well within the FFIEC high CRE concentration definition › CRE, construction, land, and MFR to total capital is at 194% − under the 300% FFIEC threshold › Construction and land loans to total capital is at 12% − under the 100% FFIEC threshold • As of December 31, 2013: › Nonaccrual CRE to CRE = 0.90% › 30-89 day delinquent CRE to CRE = 0.37%

17 Commercial Real Estate Loans by LTV

• Only 6% of portfolio with an LTV greater than 75% • Weighted average LTV is 54%*

($ in millions) CLTV Distribution at December 31, 2013 # of Loans Balance % of Total Cumulative % of Total Less than 50% 1,271 $ 1,593 37% 37% 50% to 55% 331 501 12% 49% 55% to 60% 376 727 16% 65% 60% to 65% 307 615 14% 79% 65% to 70% 167 426 10% 89% 70% to 75% 63 202 5% 94% 75% and Above 81 237 6% 100% Total Loans 2,596 $ 4,301 100%

* Based on original appraisal

18 Strong Deposit Growth

• Total deposits of $20.4 billion as of December 31, 2013, an increase of $2.1 billion from December 31, 2012 • Core deposits grew to a record $14.6 billion in the fourth quarter of 2013

Core Deposits – December 31, 2013 (in billions) (in billions) $20.4 $21.0 Now $18.3 $17.5 $1.8 $18.0 12% $5.8

$15.0 $6.1 Savings $7.1 $1.6 11% $12.0 DDA $5.8 40% $9.0 $14.6 Money $6.0 $12.2 Market $10.4 $5.4 37% $3.0

$- 12/31/11 12/31/12 12/31/13

Core Deposits Time Deposits

19 Key Focus Areas

Build fee-based business lines, i.e. F/X, wealth management and cash management

Actively manage Maintain solid net capital to deliver long interest income and term shareholder value net interest margin

2014 and beyond Grow core deposits Remain disciplined on and improve deposit expense management mix

Increase profitability Maintain low NPA/total and expand market assets and total footprint delinquency ratios

20 Summary

• Strengthened position as the leading Asian-American bank

• Financially bridge Asian and mainstream customers

• Strong financial performance and balance sheet

• Focusing on growing core earnings and fee income

• Large California, domestic, and China growth opportunities

• Only Asian-American focused bank with full service banking offices in U.S. and China

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