Second Quarter 2016 INVESTOR PRESENTATION

September 2016 Safe Harbor Statement

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

2 East West Profile

East West Bank is the largest independent bank based in Los Angeles, CA. With $33 billion in total assets, 43 years of operating history, and 2,800 associates, is the leading bank serving the Asian community in the U.S.

LOCATIONS UNITED STATES + GREATER CHINA 130 THROUGHOUT 120+ Locations 10 Locations Across 60+ cities in 10 metropolitan areas 5 Full-service branches 89 U.S. branches in California 5 Representative offices

Shenzhen Shantou Las Vegas Seattle Shanghai & Beijing Shanghai FTZ San Francisco Houston Chongqing Los Angeles Dallas Atlanta Taipei New York Boston

San Diego

Guangzhou Xiamen

Hong Kong

3 East West Bank Milestones

The Going Size Expansion in Today Beginning Public Doubles TX and CA 1973 1999 2009 2014 2016 First EWB Branch EWBC begins Acquired $10 billion Presence expanded 6-months net opens for business. to trade on United Commercial in TX and CA with income: First S&L bank serving . Bank and doubled acquisition of $210.8 million the Asian American asset size to over $2 billion in assets and assets of market in Southern $20 billion. MetroCorp. $33.0 billion. California. Acquired China Opened new banking license. branches in Shanghai FTZ and Shenzhen.

1980s 1991 1995 1998 2005 2007 2013 Branch network Assets Converted Initiated Annual net First full-service New branch in expanded in CA. exceed to state management- income branch in Greater Las Vegas. $1 billion. chartered led buyout. exceeds China opened in commercial $100 million. Hong Kong. Bank.

4 East West Bank’s Advantage

BRIDGE THE U.S. THE CHINA VALUE FOR BANKING FACTOR FACTOR CUSTOMERS EXPERTISE

. Largest U.S. bank serving . China is the 2nd largest . Knowledge and . Help navigate complicated the Asian community. world economy. experience in: business transactions. . Culture . Among the top 30 largest . Foreign direct investment in . Geography . Broaden opportunities with public banks. the U.S. continues to rise. . Economics our partners and resources. . Business practices . Bank of choice for new . Cross-border trade between . Customized solutions meet Chinese-American U.S. and Greater China . Well-connected with the unique financial needs immigrants. companies is strong. business leaders and across various industries. service professionals. . Ranked by Forbes as top . EWB is one of the few U.S. . Beyond banking approach 15 of America’s best banks with a banking license . Cross-border products helps customers assimilate banks (2010-2015). in China. and services. seamlessly into a new country. . 10 locations in Greater . Long-term relationship China. building.

5 Bank Rankings by Total Assets and Market Cap

Rank Total Assets (as of 06.30.16) $ Billion Rank Market Cap (as of 08.31.16) $ Billion 1 JPMorgan Chase & Co. 2,466.1 1 Wells Fargo & Company 256.3 2 Bank of America Corporation 2,186.6 2 JPMorgan Chase & Co. 243.8 3 Wells Fargo & Company 1,889.2 3 Bank of America Corporation 164.7 4 Citigroup Inc. 1,818.8 4 Citigroup Inc. 138.7 5 U.S. Bancorp 438.5 5 U.S. Bancorp 75.6 6 Bank of New York Mellon Corporation 372.4 6 Bank of New York Mellon Corporation 44.5 7 PNC Financial Services Group, Inc. 361.3 7 PNC Financial Services Group, Inc. 44.3 8 Capital One Financial Corporation 339.1 8 Capital One Financial Corporation 36.2 9 State Street Corporation 255.4 9 BB&T Corporation 31.4 10 BB&T Corporation 221.9 10 State Street Corporation 27.4 11 SunTrust Banks, Inc. 199.1 11 SunTrust Banks, Inc. 21.8 12 Citizens Financial Group, Inc. 145.2 12 M&T Bank Corporation 18.6 13 Fifth Third Bancorp 143.6 13 Corporation 16.0 14 Regions Financial Corporation 126.2 14 Fifth Third Bancorp 15.5 15 M&T Bank Corporation 123.8 15 KeyCorp 13.6 16 Northern Trust Corporation 121.5 16 Citizens Financial Group, Inc. 12.9 17 KeyCorp 101.2 17 Regions Financial Corporation 12.5 18 Incorporated 74.0 18 First Republic Bank 11.5 19 Comerica Incorporated 71.3 19 Huntington Bancshares Incorporated 10.9 20 First Republic Bank 64.7 20 Comerica Incorporated 8.2 21 59.6 21 Signature Bank 6.7 22 SVB Financial Group 43.1 22 Zions Bancorporation 6.3 23 People's United Financial, Inc. 40.2 23 SVB Financial Group 5.8 24 First Niagara Financial Group, Inc. 40.0 24 East West Bancorp, Inc. 5.4 25 Popular, Inc. 37.6 25 PacWest Bancorp 5.2 26 Signature Bank 36.5 26 People's United Financial, Inc. 5.1 27 East West Bancorp, Inc. 33.0 27 , Inc. 4.9 28 First Citizens BancShares, Inc. 32.2 28 Bank of the Ozarks, Inc. 4.7 29 BOK Financial Corporation 32.0 29 BOK Financial Corporation 4.5 30 Synovus Financial Corp. 29.5 30 Cullen/Frost Bankers, Inc. 4.5 Source: S&P Global Market Intelligence.

6 Strong Growth and Performance

($ in billions) Total Assets** Stockholders' Equity** $3.3 $33.0 $3.1 $32.4 $2.9 $28.7 $2.3 $2.3 $2.4 $2.4 $24.7 $2.1 $20.6 $20.7 $22.0 $22.5 $1.6 $1.2 $10.8 $11.9 $12.4 $1.0

06 07 08 09 10 11 12 13 14 15 2Q16 06 07 08 09 10 11 12 13 14 15 2Q16 QTD QTD

Total Loans Total Deposits

$28.2 $24.3 $27.5 $23.7 $24.0 $21.8 $20.4 $18.1 $17.5 $18.3 $15.6 $14.1 $13.7 $14.5 $15.1 $15.0 $8.3 $8.8 $8.2 $7.2 $7.3 $8.1

06 07 08 09 10 11 12 13 14 15 2Q16 06 07 08 09 10 11 12 13 14 15 2Q16 QTD QTD

* CAGR from December 31, 2006 – June 30, 2016. ** 2010-2014 were restated to reflect the adoption of new accounting guidance related to the Company's investments in qualified affordable housing projects, Accounting Standards Update (“ASU”) 2014-01.

7 Six Consecutive Years of Strong Earnings Growth

19% CAGR for Net Earnings

$384.7 $345.9 $277.7 $293.3 $242.8 $210.8

$164.6 ($ in millions) ($in $76.6

2009 2010 2011 2012 2013 2014 2015 2016 YTD

26% CAGR for Net Earnings per share UCBH acquisition Nov. 2009 $2.66 doubles $2.41 $2.09 bank size $1.87 $1.58 $1.45 $0.83 $0.33

2009 2010 2011 2012 2013 2014 2015 2016 YTD

Note: 2010-2014 were restated to reflect the adoption of new accounting guidance related to the Company's investments in qualified affordable housing projects, Accounting Standards Update (“ASU”) 2014-01.

8 Second Quarter 2016 Highlights

QoQ YoY ($ in millions, except per share data) 2Q16 1Q16 Change 2Q15 Change

Net income $ 103.3 $ 107.5 -4% $ 98.7 +5%

Earnings per share (diluted) $ 0.71 $ 0.74 -4% $ 0.68 +4%

At period-end Total loans $ 24,287.5 $ 23,796.7 +2% $ 22,160.0 +10% Total deposits $ 28,217.2 $ 28,596.2 -1% $ 25,528.2 +11% Total assets $ 32,952.2 $ 33,109.2 -<1% $ 30,064.1 +10% Selected ratios

Return on average assets 1.27% 1.33% -6 bps 1.34% -7 bps

Return on average equity 12.71% 13.59% -88 bps 13.25% -54 bps

Net interest margin 3.31% 3.32% -1 bp 3.31% unchanged

Cost of deposits 0.29% 0.28% +1 bp 0.29% unchanged

Cost of funds 0.35% 0.34% +1 bp 0.43% -8 bps

Adjusted efficiency ratio1 44.59% 44.53% +6 bps 40.36% +4.23%

1 Represents noninterest expense, excluding repurchase agreements’ extinguishment costs, amortization of tax credit and other investments and amortization of premiums on deposits acquired, divided by the aggregate of net interest income before provision for credit losses, and noninterest income.

9 Second Quarter Net Interest Income and Margin

3.60%

3.50%

3.31% 3.32% 3.32% 3.31% 3.40% 3.26% 3.30%

$252.2 $253.6 3.20% $240.3 $246.9 $227.5 3.10%

3.00%

2.90% ($ in millions) ($in

2.80%

$150 2.70% 2Q15 3Q15 4Q15 1Q16 2Q16

Net Interest Income Net Interest Margin

Net Interest Income Net Interest Margin

$253.6 million 3.31% 2Q16 Net Interest Income 2Q16 Net Interest Margin

+$1.4 million or +1% -1 basis point From 1Q16 Net Interest Income From 1Q16 Net Interest Margin Due to loan portfolio growth

10 Full Year 2016 Outlook

2013A 2014A 2015A 2016 Guidance EPS $2.09 $2.41 $2.66 $2.83-$2.87 Growth 12% 15% 10% 6% - 8% EPS guidance for the remainder of 2016 assumes: . No Fed Funds target rate increases in 2016. . NIM range of 3.21% to 3.24% for 3Q16 and 4Q16, reflecting a decrease in SOP discount accretion ($27mm in 1H16, decreasing to $18mm in 2H16). Ex. SOP, NIM forecast at 3.11% compared to 3.14% in 2Q. . Quarterly organic loan growth of ~$365mm or 6.00% annualized, moderating from 8% annualized pace in 2Q based on intentionally slower CRE growth and conservative commercial loan growth expectations. . Quarterly provision for loan losses of $5mm, compared to $6mm in 2Q or $1.4mm in 1Q. Outlook is for stable asset quality. . Quarterly core noninterest expense of ~$138mm, compared to $134mm in in 2Q, reflecting continued bank infrastructure investment and higher compensation expense, partially offset by lower consulting expenses. . Quarterly amortization of tax credits and other investments of ~$17 million; effective tax rate of 26% for the remainder of 2016.

11 Solid Performance Metrics Relative to Peers

Return on Average Assets Return on Average Equity

10%

1.27% 1.27% 12.7% 12.7% 1% 9.2% 1.12%

2015 Full-Year 2Q16 Industry 2015 Full-Year 2Q16 Industry Average Average

Net Interest Margin Adjusted Efficiency Ratio

50% 3% 3.35% 3.31% 3.52% 54.8% 41.8% 44.6%

2015 Full-Year 2Q16 Industry 2015 Full-Year1 2Q161 Industry Average Average 1 Represents noninterest expense, excluding repurchase agreements’ extinguishment costs, amortization of tax credit and other investments and amortization of premiums on deposits acquired, divided by the aggregate of net interest income before provision for credit losses, and noninterest income. Note: Industry average based on FDIC’s 2Q16 Quarterly Banking Profile for FDIC Insured Banks with Asset size $10bn to $250 bn.

12 Diversified Loan Portfolio

$24.3 billion loans as of June 30, 2016 Loan Distribution (as of 06.30.16) MFR Land/Construction $24.3 6% 3% $23.8 $23.7 Consumer 8% $23.0 Commercial SFR 38%

billions) $22.2 13%

in in ($

CRE 32% 06.30.15 09.30.15 12.31.15 03.31.16 06.30.16

+$490.8mm or 2% Q-o-Q increase +$2.1bn or 10% Y-o-Y increase Managing loan growth to . C&I: +4% q-o-q . C&I: +12% y-o-y maintain balanced portfolio . CRE: +0% q-o-q . CRE: +16% y-o-y distribution. . SFR: +3% q-o-q . SFR: -4% y-o-y . Consumer: +1% q-o-q . Consumer: +19% y-o-y 2Q16 average loan yield was . MRF: -0.1% q-o-q . MRF: -9% y-o-y 4.28%, compared to 4.29% in . Land/Construction: +5% q-o-q . Land/Construction: +16% y-o-y 2Q15

13 Specialized Industry Verticals: Cross-Border Growth

Total Loans Comprised of C&I loans Comprised of Specialized Industry $24.3 bn $9.2 bn or 38% $3.0 bn or 33%

Other *, 19% Entertainment, Traditional 21% Specialized C&I Aviation, 7% (including Industry Private Equity, Trade Lending Health Care, 21% 14% Finance) 33% Technology & 67% Life Science, 17%

. Specialized Industry lending verticals have grown to $3.0bn, or 12% YTD, from $2.7bn as of 12/31/15. Growth in these niches is driven by Portfolio distribution data as of June 30, 2016. Bridge Banking, EWBC’s strategy of facilitating * Other Specialized Lending comprises Structured & Specialty Finance, Energy, cross-border commercial opportunities. Agriculture, and Equipment Leasing.

14 Diversified Commercial Real Estate Portfolio

CRE Distribution (as of 6/30/16) CRE LTV Distribution (as of 6/30/16)

66% to 70% 71% to 75% Medical 8% 3% Over 75% 3% Other 3% 8% Retail Office 29% 61% to 65% 13% 20% $2.1 million $7.8 billion Average outstanding CRE loan size CRE loan Less than 50% Mixed Use portfolio 47% 1 37% 14% 56% to 60% Average LTV 15% Industrial 18% Hotel 50% to 55% 15% 15%

1 LTV based on current loan balance and appraisal value at origination or renewal.

. Targeted loan sales of multi-family loans and selected CRE in 1H 2016 reduced CRE exposure (under FFIEC guidelines) to 265% of risk-based capital, down from 274% as of 12/31/15. . Intentional curtailment of originations to maintain growth of CRE within FFIEC exposure guidelines.

15 Strong Deposit Growth

$28.2 billion deposits as of June 30, 2016 Deposit Distribution (as of June 30, 2016)

$28.6 $28.2 CD $27.5 20% $26.8 Savings DDA 7% 34% billions) $25.5 in in Checking

($ 13%

MMDA 26% 06.30.15 09.30.15 12.31.15 03.31.16 06.30.16

-$379.0 million or -1% QoQ 2Q16 core deposits up to 2Q16 cost of deposits was change $22.5 billion or 80% of total 29 bps, unchanged from 29 bps in deposits, compared to 74% core 2Q15 +$2.7 billion or 11% YoY increase deposits in 2Q15

16 Strong Capital Levels

East West Bank’s capital levels exceed well-capitalized regulatory requirements

12.4% 10.7% 10.7% 10% 8.7% 8% 6.5% 5%

CET1 capital ratio Tier 1 risk-based capital ratio Total risk-based capital ratio Tier 1 leverage capital ratio CET1 Tier 1 risk-based Total risk-based Tier 1 leverage capital ratio capital ratio capital ratio capital ratio

Well-capitalized regulatory requirements EWBC 06.30.16

17 Providing a Healthy Dividend to Shareholders

400% or $0.64 per share increase in dividends since 2011

$0.80 $0.80 EWBC has paid an annual dividend on its common stock $0.72 every year since going public in 1999 $0.60

$0.40 $0.40 $0.40

$0.20 $0.20 $0.20 $0.20 $0.14 $0.16

$0.06 $0.06 $0.06 $0.05 $0.04

99 00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16*

Note: Annualized based on dividends for the first and second quarters of 2016.

18 Interest Rate Sensitivity

EWBC’s Net Interest Income Sensitivity to Selected Interest Rate Scenarios

Net Interest Income Volatility: 30-Jun-2016 31-Dec-2015 Change in Interest Rates : % change $ in mm in EPS % change $ in mm in EPS + 200 bps 22.1% $223.6 + $ 1.13 18.5% $175.8 + $ 0.81 + 100 bps 11.0% $111.3 + $ 0.56 9.6% $91.2 + $ 0.42 - 100 bps -3.8% ($38.4) - $ (0.19) -4.0% ($38.0) - $ (0.17) - 200 bps -4.1% ($41.5) - $ (0.21) -4.6% ($43.7) - $ (0.20)

Net Interest Income Volatility as of 6/30/16 Given a 12-Month Demand Deposit Migration of: $1.0 billion $2.0 billion $3.0 billion Change in Interest Rates : % change $ in mm in EPS % change $ in mm in EPS % change $ in mm in EPS +200 bps 19.1% $193.2 + $ 0.98 16.10% $162.9 + $ 0.82 13.10% $132.5 + $ 0.67 +100 bps 9.1% $92.1 + $ 0.47 7.20% $72.8 + $ 0.37 5.20% $52.6 + $ 0.27

The increase in EWBC’s interest rate sensitivity between 6/30/16 and 12/31/15 was primarily due to growth in core deposits, which now make up 80% of total deposits. . Brokered deposits are 6% of total deposits, and institutional deposits are 10% of total, both essentially stable relative to the year-ago quarter. . Due to the growth in core deposits, a surge deposit study was conducted to identify the amount of volatile deposits and to estimate the likelihood of run-off in various interest rate environments. . Betas: Retail Money Market – 49%; Commercial MMA – 65%; NOW – 28%; and Savings – 16%.

Note: NII sensitivity translated into $ and EPS using annualized 1H16 NII and FY 2015 NII, and the effective tax rate in each period.

19 Loan Portfolio: Underlying Interest Rate Detail

EWBC’s Loan Portfolio Breakdown: Fixed, Variable, & Fully Indexed Rate Loans

% of % of EWBC’s loan portfolio is $ in mm. total loans $ in mm. category predominantly linked to Prime True fixed rate loans 2,101.5 8.6% Rate and short-term LIBOR, a Loans without floors 12,180.5 50.0% profile that has been consistent Of which, linked to Prime 5,308 44% over time. Of which, linked to 1M Libor 3,388 28% . Over 70% of EWBC’s loan Of which, linked to Other Libor 1,415 12% portfolio is variable rate, and <10% Interest rate above floors 5,430.6 22.3% is fixed rate. Of which, linked to Prime 2,495 46% . Only $3.0bn, or 12%, of loans Of which, linked to 1M Libor 741 14% have a fully indexed rate (FIR) Of which, linked to Other Libor 415 8% below floors. 32% of these would Interest rate below floors 51.2 0.2% cross above floor rates with only a Subtotal: variable rate loans 17,662.3 72.5% 25bps move in interest rates, and 73% of would cross above floor Fully indexed rate: at floor 557.4 2.3% rates with a 75bps move. Fully indexed rate: above floors 837.5 3.4% Fully indexed rate: below floors 2,982.1 12.2% . Weighted avg. next Of which, linked to Prime 1,449 49% repricing/maturity date of the total loan portfolio is <1.25 years. The Of which, linked to 1M Libor 619 21% weighted avg. date of repricing for Of which, linked to Other Libor 723 24% loans with FIRs below floors is 7 Subtotal: fully indexed rate loans 4,377.0 18.0% months. Non-performing loans 211.0 0.9% Total gross loans 24,351.9 100.0%

Note: Loans gross of deferred fees, premiums, or discounts.

20 BSA / AML Update

. The Bank entered into a consent order with the Federal Reserve Bank in November 2015 regarding its BSA/AML procedures and process. . The Bank enacted a plan for remediation which includes: . Replacing the former BSA transactional tracking system with a more sophisticated system, Actimize (projected implementation by YE 2016), and installing an online customer due diligence system, Dynamic Customer Insight, to collect information on new customers (already implemented). . Brought in a new BSA Officer with strong prior BSA experience to run the department, and expanded senior manager ranks in the group. . Increased headcount and overall resources in the BSA department: current FTE headcount is approximately 100, plus a similar number of temporary consultants as part of the remediation plan, up from 39 FTEs at the beginning of 2015.

. Projected timeline: Bank’s remediation work to be complete by YE 2016; independent consultant verification & look-back review planned for 1Q17. . Costs: $20mm in 2015, estimated $39mm in 2016.

21 Key Focus Areas

Deliver HIGH Focus on PROFITABILITY BRIDGE BANKING

Enhance Expand RISK MARKET MANAGEMENT OPPORTUNITY

LONG-TERM Maintain good SHAREHOLDER Grow ASSET CORE QUALITY VALUE DEPOSITS

Control Maintain solid EXPENSES NII* & NIM* Build FEE-BASED businesses

*NII = Net Interest Income. NIM = Net Interest Margin

22