Second Quarter 2017 INVESTOR PRESENTATION

August 2017 Safe Harbor Statement

This presentation may include forward-looking statements that involve inherent risks and uncertainties. , 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 and other factors discussed in the Company’s filings with the SEC.

2 East West Profile

East West is the largest independent bank based in , CA. With $36 billion in total assets, 44 years of operating history, and 2,900 associates, is the leading bank serving the Asian community in the U.S.

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

Shenzhen Las Vegas & Shanghai FTZ Los Angeles Dallas

San Diego

Guangzhou

Hong Kong

3 East West Bank Milestones

The Going Size Expansion in Today Beginning Public Doubles TX and CA 1973 1999 2009 2014 2017 1H First EWB Branch EWBC begins Acquired $10 billion Presence expanded Net income: opens for business. to trade on United Commercial in TX and CA with $288 million First S&L bank serving Nasdaq. Bank and doubled acquisition of and assets of the Asian American asset size to over $2 billion in assets $36 billion. market in Southern $20 billion. MetroCorp. California. Acquired China Opened new banking license. branches in Shanghai FTZ and .

1980s 1991 1995 1998 2005 2007 Branch network Assets Converted Initiated Annual net First full-service expanded in CA. exceed to state management- income branch in Greater $1 billion. chartered led buyout. exceeds China opened in commercial $100 million. . 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 1 of 3 U.S. banks . Beyond banking approach 15 of America’s best with a banking license in . Cross-border products helps customers assimilate banks since 2010. 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 06.30.17) Ticker $ Billion Rank Market Cap (as of 07.31.17) Ticker $ Billion 1 JPMorgan Chase & Co. JPM 2,563.2 1 JPMorgan Chase & Co. JPM 323.0 2 Bank of America Corporation BAC 2,254.5 2 Wells Fargo & Company WFC 267.9 3 Wells Fargo & Company WFC 1,930.9 3 Bank of America Corporation BAC 238.3 4 Citigroup Inc. C 1,864.1 4 Citigroup Inc. C 186.5 5 U.S. Bancorp USB 463.8 5 U.S. Bancorp USB 88.6 6 PNC Financial Services Group, Inc. PNC 372.2 6 PNC Financial Services Group, Inc. PNC 61.8 7 Bank of New York Mellon Corporation BK 354.8 7 Bank of New York Mellon Corporation BK 54.8 8 Capital One Financial Corporation COF 350.6 8 Capital One Financial Corporation COF 41.7 9 State Street Corporation STT 238.3 9 BB&T Corporation BBT 38.2 10 BB&T Corporation BBT 221.2 10 State Street Corporation STT 34.9 11 SunTrust Banks, Inc. STI 207.2 11 SunTrust Banks, Inc. STI 27.6 12 Citizens Financial Group, Inc. CFG 151.4 12 M&T Bank Corporation MTB 24.9 13 Fifth Third Bancorp FITB 141.1 13 Corporation NTRS 20.0 14 KeyCorp KEY 135.8 14 Fifth Third Bancorp FITB 19.7 15 Northern Trust Corporation NTRS 125.6 15 KeyCorp KEY 19.7 16 Regions Financial Corporation RF 124.7 16 Citizens Financial Group, Inc. CFG 17.7 17 M&T Bank Corporation MTB 120.9 17 Regions Financial Corporation RF 17.5 18 Incorporated HBAN 101.4 18 First Republic Bank FRC 15.8 19 First Republic Bank FRC 81.0 19 Huntington Bancshares Incorporated HBAN 14.4 20 Comerica Incorporated CMA 71.4 20 Comerica Incorporated CMA 12.7 21 ZION 65.4 21 SVB Financial Group SIVB 9.4 22 SVB Financial Group SIVB 48.4 22 Zions Bancorporation ZION 9.2 23 People's United Financial, Inc. PBCT 43.0 23 East West Bancorp, Inc. EWBC 8.2 24 Popular, Inc. BPOP 41.2 24 SBNY 7.6 25 Signature Bank SBNY 40.7 25 People's United Financial, Inc. PBCT 6.0 26 East West Bancorp, Inc. EWBC 35.9 26 , Inc. CBSH 5.9 27 First Citizens BancShares, Inc. FCNCA 34.8 27 PacWest Bancorp PACW 5.8 28 BOK Financial Corporation BOKF 32.3 28 Cullen/Frost Bankers, Inc. CFR 5.8 29 F.N.B. Corporation FNB 30.8 29 BOK Financial Corporation BOKF 5.6 30 Synovus Financial Corp. SNV 30.7 30 Bank of the Ozarks OZRK 5.5

Source: S&P Global Market Intelligence (SNL Financial).

6 Strong Balance Sheet Growth

($ in billions) Total Assets Stockholders' Equity

Total Loans Total Deposits

* CAGR from December 31, 2007 – June 30, 2017.

7 Strong Earnings Growth

Net Earnings ($ in millions)

+17% y-o-y (oper.*) $288 +12% +18% +11% +14% +6%

UCBH Diluted EPS acquisition Nov. 2009 doubles +17% bank size y-o-y +12% $1.98 +11% (oper.*) +15% +12% +18%

* YTD 2017 includes 1Q17 gain on sale of commercial property, which is considered non-operating. See reconciliation of GAAP to non-GAAP financials on slides 29-32 and in the Company’s 2Q17 Earnings Press Release.

8 Steadily Growing Equity While Maintaining Robust TCE

+8% +12% +11% +13% +6% +11%

UCBH acquisition Nov. 2009 doubles bank size +11 bps (42) bps +32 bps +43 bps +14 bps (9) bps

9 Outperforming Peers on Key Profitability Metrics

10%

1%

50% 2%

Note: Industry average based on FDIC’s 1Q17 Quarterly Banking Profile for FDIC insured banks with asset size $10bn to $250bn. Source: FDIC and S&P Global Market Intelligence (SNL Financial). * See reconciliation of GAAP to non-GAAP financials in the Company’s Earnings Press Releases. 1Q17 results exclude the impact from gain on sale of commercial property.

10 Highlights of Second Quarter 2017 Results

Strong earnings results. Net . Net income increased 15% Y-o-Y and EPS increased 14% Y-o-Y income . Net interest income growth: 2Q17 NII of $290mm was up 7% Q-o-Q $118.3 . Asset sensitivity: loan yield expansion outpaced deposit cost increase and 2Q17 million NIM of 3.49% was up by 16 bps. . Excluding discount accretion, adj.* NIM of 3.41% was up by 12 bps Q-o-Q. Diluted . Excluding discount accretion, adj.* loan yield of 4.30% was up by 13 bps Q-o-Q. EPS . Cost of deposits increased a modest 4 bps Q-o-Q. $0.81 . Pre-tax, pre-provision income growth: Driven by revenue growth, adj.* pre-tax, pre- provision income of $198mm grew by 10% Q-o-Q. Tangible equity*/share $21.93 Solid balance sheet growth. . Loans grew 11% linked quarter annualized (“LQA”). Record loans . Deposits grew 8% LQA. $27.2 billion Steady credit quality. Record deposits . Annualized net recoveries of 4 bps in 2Q17. $31.2 billion . NPAs decreased by $12mm, or 8%, Q-o-Q to $133mm; equivalent to 0.37% of total assets as of 06.30.17.

* See reconciliation of GAAP to non-GAAP financials on slides 29-32 and in the Company’s 2Q17 Earnings Press Release.

11 Updated Management Outlook: Full Year 2017

Earnings drivers Revised full year 2017 Change from prior 2016 FY actual 1H17 outlook outlook actual (after 2Q17) (after 1Q17)

End of Period Loans . Increase at a percentage rate in Unchanged. $25.5 billion, $27.2 billion, +13% the low double digits. +8% Y-o-Y YTD annualized

NIM . In the range of 3.35% to 3.45%. Unchanged. 3.15% 3.35% (excl. impact of ASC . Favorable asset sensitivity 310-30 discount position to support NIM accretion) expansion. Noninterest Expense . Increase at a percentage rate in Unchanged. $538 million, $276 million, (excl. tax credit the low single digits. +14% Y-o-Y +3% YTD annualized investment & core deposit intangible amortization) Provision for Credit . In the range of $40mm to Unchanged. $27 million $18 million Losses $50mm. Tax Items . Tax credit investments of . Prior tax credit Effective tax rate: Effective tax rate: (renewable energy & $115mm. investments: $95mm. 24.6% 25.3% historical tax credits) . Associated tax credit amortization . Prior tax credit of $95mm. amortization: $75mm. . Effective tax rate of 26%. . Prior tax rate range: 26% to 29%. Interest Rates . Outlook incorporates the current Previously, anticipated Fed Funds increased Fed Funds increased forward rate curve. additional Fed Funds rate +25bps in Dec. 2016. +25bps each in Mar. . Anticipates one more Fed Funds increases in Jun. & Nov. & Jun. 2017. rate increase in Dec. 2017. 2017.

12 2Q17 Earnings Growth and Profitability

Net Income & ROE* and Tangible ROE* $1.16 $200 25% $169.7 $160 22% $41.5 $118.3 $120 $103.3 $110.1 $110.7 $128.2 19%

$80 17.6% 16% $ in millions $ in 0% 15.3% 15.6% 15.3% 15.3% $40 14.9% 13% 12.7% 13.1% 12.9% 13.0% $0 10% 2Q16 3Q16 4Q16 1Q17* 2Q17 Net income (LH axis) 1Q17: Gain on commercial property (LH axis) Return on Avg. Equity (RH axis) Tang. Return on Avg. Tang. Eq. (RH axis)

Net Income & ROA* . 2Q17 net income of $118mm, EPS of $0.81, ROA of $200 2.0% 1.36%, ROE of 13.0% and tangible ROE* of 15.3%. $169.7 $160 1.8% $41.5 . Consistently attractive profitability: $118.3 $120 $110.1 $110.7 1.6% $103.3 $128.2 . 5-quarter range of ROA*: 1.27% to 1.49%.

$80 1.49% 1.4% . 5-quarter range of ROE*: 12.7% to 14.9%. $ in millions $ in 1.36% $40 1.33% 1.2% 1.27% 1.27% . 5-quarter range of tangible ROE*: 15.3% to 17.6%. $0 1.0% 2Q16 3Q16 4Q16 1Q17* 2Q17

Net income (LH axis) 1Q17: Gain on commercial property (LH axis) Return on Avg. Assets (RH axis)

* See reconciliation of GAAP to non-GAAP financials on slides 29-32 and in the Company’s 2Q17 Earnings Press Release. 1Q17 adjusted for the impact of the commercial property sale.

13 2Q17 Record Loans of $27.2 billion

Total Loans* Q-o-Q Difference $30 $27.2 60% $25.5 $26.5 $24.3 $24.8 2.1 2.1 . Total loans increased $732mm or 3% (+11% LQA). 2.1 2.1 2.1 3.7 4.0 3.4 3.5 $20 3.2 1.7 1.8 40% . SFR: +8.1%, or +33% LQA. 1.4 1.5 1.6 9.0 9.1

8.5 8.5 8.7 . C&I: +2.7%, or +11% LQA. $ in billions $ in $10 20% . CRE (with land & construction): +1.5%, or +6% LQA.

9.1 9.3 9.6 10.0 10.2 . MFR: +2.3%, or +9% LQA. $0 0% 2Q16 3Q16 4Q16 1Q17 2Q17 . Consumer: flat growth. C&I CRE MFR SFR Consumer LQA growth rate . 2Q growth rate in line with full year 2017 outlook of low double digit loan growth. Loan Portfolio Mix

100% . Stable loan portfolio mix, balanced between 8% 8% 8% 8% 8% 90% commercial, commercial real estate, and consumer 13% 14% 14% 14% 15% 80% 6% 6% 6% 6% 6% categories. 70% 60% 35% 34% 34% 34% 34% 50% 40% 30% 20% 38% 38% 38% 38% 37% 10% 0% 2Q16 3Q16 4Q16 1Q17 2Q17

C&I CRE MFR SFR Consumer

* Total loans held for investment and held for sale, with HFS by category. CRE = CRE, construction and land. Consumer = predominantly HELOCs.

14 Specialized Industry Verticals: Cross-Border Growth

Total Loans Includes C&I loans Includes Specialized Industry $27.2 bn $10.2 bn or 37% $3.7 bn or 37%

. Specialized Industry lending verticals have grown to $3.7 bn. Growth in these niches is driven by Bridge Banking, EWBC’s strategy of facilitating Portfolio distribution data as of June 30, 2017. cross-border commercial opportunities. * Other Specialized Lending comprises Agriculture, Clean Tech, Equipment Finance, Health Care and Life Science.

15 Diversified Commercial Real Estate Portfolio

CRE* Property Type Distribution (as of 06.30.17) CRE* LTV Distribution (as of 06.30.17)

$2.2 million $9.1 billion Avg. outstanding CRE loan CRE loan size portfolio 53% Avg. LTV1

. CRE concentration under FFIEC guidelines as of 06.30.17 was 261%, compared to 260% as of 12.31.16, and 265% as of 06.30.16. . Room to prudently grow CRE loans for high quality projects, while remaining below the 300% FFIEC exposure threshold.

* Total CRE portfolio of $9.1 billion includes construction & land loans, which were $661 million as of 06.30.17. Construction & land excluded from LTV distribution chart. 1 LTV based on current loan balance and appraisal value at origination or renewal.

16 2Q17 Record Deposits of $31.2 billion

Total Deposits Q-o-Q Difference $40 60% $31.2 $29.9 $30.5 . Total deposits increased $611mm or 2% (+8% LQA). $30 $28.2 $28.6 5.6 5.8 6.1 5.7 5.6 40% . IB checking & savings: +6.2%, or +25% LQA. 6.0 6.4 $20 5.8 5.9 5.6 . Time deposit: +4.0%, or +16% LQA. 8.2 8.0 8.2 $ in billions $ in 7.4 7.7 20% $10 . MMDA: +2.5%, or +10% LQA. 9.5 9.5 10.2 10.7 10.5 . DDA: -1.9%, or -7% LQA. $0 0% 2Q16 3Q16 4Q16 1Q17 2Q17 DDA MMDA IB checking & Savings . DDAs comprised 34% of total deposits as of Time LQA growth rate 06.30.17, similar to 35% as of 03.31.17.

. Over past 5 quarters, share of DDAs in total deposits Deposit Portfolio Mix ranged from 33% to 35%. . Over past 5 quarters, share of time deposits in total 100% 20% 20% 19% 19% 19% deposits ranged from 19% to 20%. 80% 20% 20% 20% 20% 21% 60% . EOP loan-to-deposit ratio of 87.4%. 26% 27% 27% 26% 26% 40% . Room to support organic loan growth and to maintain discipline in deposit pricing. 20% 34% 33% 34% 35% 34%

0% 2Q16 3Q16 4Q16 1Q17 2Q17

DDA MMDA IB checking & Savings Time

DDA = Noninterest-bearing checking deposits. MMDA = Money market deposits. IB checking = Interest-bearing checking deposits.

17 2Q17 Summary Income Statement

% Change vs.

($ in millions, except per share data) 2Q17 1Q17 2Q16 2Q17 Comments

Adjusted net interest income (excl. accretion) $ 283.8 5.6% 18.1% . Loan growth & higher interest rates.

ASC 310-30 discount accretion income $ 6.3 NM NM . Increase due to interest recoveries.

Net interest income $ 290.1 6.6% 14.4%

Fees & operating income $ 42.1 8.5% 15.9% . Broad-based across categories.

. Sale of commercial property in 1Q17 Net gains on sales of fixed assets $ 1.0 NM NM resulted in $72mm pre-tax gain. Net gains on sales of loans & securities $ 4.3 (18.4)% (25.4)%

Total Noninterest income $ 47.4 (59.1)% 7.1%

Adjusted noninterest expense $ 139.5 1.9% 5.0% . Lower comp. (seasonally high in 1Q). . Additional tax credit closed in 2Q Tax credit and other investments amortization $ 27.9 94.1% 99.0% increased amortization expense. . Expecting $25mm/qtr. rest of year. Amortization of core deposit intangibles $ 1.8 (3.0)% (14.1)%

Total Noninterest expense $ 169.1 10.5% 13.6%

Provision for credit losses $ 10.7 51.2% 76.5%

Income tax expense $ 39.4 (32.5)% (0.7)% . Effective tax rate of 25.0% in 2Q. Net income $118.3 (30.3)% 14.6%

Diluted EPS $ 0.81 (30.2)% 14.1%

Note: 1Q17 results include gain on commercial property sale. See reconciliation of GAAP to non-GAAP financials on slides 29-32 and in the Company’s 2Q17 Earnings Press Release.

18 2Q17 Net Interest Income & Net Interest Margin

Net Interest Income . 2Q17 NII of $290mm increased Q-o-Q by $18mm, or 7%. . Increase in adjusted* NII of $15mm or 6%. $300 $290.1 . ASC 310-30 discount accretion income increase of $3mm. 6.3 $280 $272.7 $272.1 . Remaining ASC 310-30 discount of $43mm as of 06.30.17, 3.2 11.6 of which approx. $29mm expected to accrete as income. $260 $253.6 $254.1 7.1 283.8 13.3 . Adjusted NII, excluding accretion income, of $284mm $ in millions $ in 268.9 $240 261.1 increased by 6% Q-o-Q. 247.0 240.3 . Driven by loan growth & higher loan yields in 2Q17. $220 2Q16 3Q16 4Q16 1Q17 2Q17

Adj. net interest income* Accretion income

. 2Q17 NIM of 3.49% expanded by 16 bps Q-o-Q, and Adjusted* NIM: Adj.* Loans Yield & Cost of Deposits excluding the impact of accretion, adjusted* NIM of 3.41% expanded by 12 bps Q-o-Q. 5.00% 4.30% 3.60% 4.05% 4.05% 4.13% 4.17% . NIM benefitted from balance sheet asset sensitivity and rising 4.00% 3.41% short-term interest rates. 3.40% 3.00% 3.29% 2.00% . 2Q17 loan yield of 4.40% expanded by 17 bps Q-o-Q, and 3.16% 3.17% 3.20% 3.13% adjusted* loan yield of 4.30% expanded by 13 bps Q-o-Q. 1.00% 0.29% 0.30% 0.31% 0.32% 0.36%

0.00% 3.00% . 2Q17 cost of deposits of 0.36% increased by 4 bps Q-o-Q. 2Q16 3Q16 4Q16 1Q17 2Q17

NIM (ex. accretion) (RH axis) Loans yield (ex. accretion) (LH axis)

Total cost of deposits (LH axis)

* See reconciliation of GAAP to non-GAAP financials on slides 29-32 and in the Company’s 2Q17 Earnings Press Release.

19 2Q17 Fees & Other Operating Income

Q-o-Q Difference Total Fees and Other Operating Income

$50 . Excluding net gains on sale of loans, $47.5 securities, and fixed assets, fees and other $44.9 operating income of $42mm increased by 7.2 $42.1 $3mm or 9%. 7.7 $40 $38.8 $36.3 6.2 7.0 5.4 . Most customer-related fee income categories 5.8 3.8 6.5 increased linked quarter. 2.5 $30 1.4

14.4 12.0 . Adjusted for interest rate valuation marks and 10.9 11.1 valuation changes associated with currency 10.9 $ in millions in $ hedges, customer-related fee income $20 increased by 6% linked quarter and 25% year- 6.1 5.0 5.9 5.3 4.3 over-year. 4.5 3.5 2.8 4.0 3.4 $10

10.4 10.4 10.2 10.3 10.7

$0 2Q16 3Q16 4Q16 1Q17 2Q17

Branch fees Wealth management fees Ancillary loan fees & other income LC fees & FX income Derivative fees & other income Other fees & operating income

20 2Q17 Efficiency and PTPP Profitability

Adj.* Noninterest Expense & Efficiency Ratio . 2Q17 total noninterest expense: $169mm.

44.6% 44.8% 43.2% 43.3% $160 45.0% . Excluding tax credit amortization and core deposit intangible 41.3% amortization, 2Q17 adjusted* noninterest expense of 40.0% $138.7 $139.5 $139.5mm increased by a modest 2% Q-o-Q. $140 $135.9 $136.9 $132.8 35.0% . Compensation expense lower in 2Q, after seasonally higher 1Q.

30.0%

$120 . 2Q17 adj. noninterest expense growth rate in line with full $ in millions $ in 25.0% year 2017 outlook of low single digit growth.

$100 20.0% 2Q16 3Q16 4Q16 1Q17 2Q17 . 2Q17 adj.* efficiency ratio of 41.3%.

Adj. noninterest expense* (LH axis) Adj. efficiency ratio* (RH axis)

Adj.* PTPP Income & PTPP Profitability Ratio . Growing adjusted* pre-tax, pre-provision (PTPP) income. . 2Q17 adj. PTPP income of $198mm grew by 10% Q-o-Q 2.27% and 20% Y-o-Y. $250 2.10% 2.09% 2.28% 2.04% 2.03% . NII growth driven by loan growth and higher interest rates. $200 1.96% . Growth in customer-related fee income categories. $150 1.64% . Disciplined expense management. $100 $198.0 $165.0 $167.6 $182.8 $179.6 $ in millions $ in 1.32% $50 . 2Q17 adj.* PTPP profitability ratio of 2.27% increased by 18 bps Q-o-Q. $0 1.00% 2Q16 3Q16 4Q16 1Q17 2Q17 . 5-quarter adj.* PTPP profitability ratio range of 2.03% to Adj. PTPP income* (LH axis) Adj. PTPP profitability ratio* (RH axis) 2.27%. 1

* See reconciliation of GAAP to non-GAAP financials on slides 29-32 and in the Company’s 2Q17 Earnings Press Release.

21 2Q17 Asset Quality Metrics

Allowance for Loan Losses Provision Expense and Net Charge-offs* Ratio $28,000 4.00% $27,211 $12 0.37% 0.40% $26,461 $10.5 $10.7 $26,000 $25,503 3.00% $9 $9.5 0.30% $24,732 $7.1 $24,236 $6.1 $6 0.20% $24,000 2.00%

1.10% $3 0.10%

$ in milions $ in 1.03% 1.02% 1.02% 0.99% millions $ in 0.01% 0.13% $22,000 1.00% 0.08% $0 0.00%

-0.04% $20,000 0.00% -$3 -0.10% 2Q16 3Q16 4Q16 1Q17 2Q17 2Q16 3Q16 4Q16 1Q17 2Q17

Gross loans HFI* (LH axis) ALLL / Gross loans HFI* (RH axis) Provision expense (LH axis) Annualized NCOs (net recoveries) / Avg. loans HFI* (RH axis)

. Allowance for loan losses to loans HFI was 1.02% as of Nonperforming Assets* 06.30.17. $200 0.54% 0.60% . Annualized net recoveries of 4 bps in 2Q17.

$180 $176.7 0.41% . Net recoveries across all loan categories. 0.39% 0.37% 0.37% 0.40% . Greatest impact from net recoveries in C&I: $1.7mm or 7 bps, $160 annualized. $144.8 $140 $133.0 $130.8 $129.6 0.20%

$ in millions in $ . NPAs decreased by $12mm, or 8%, Q-o-Q to $133mm; $120 equivalent to 0.37% of total assets as of 06.30.17.

$100 0.00% . 5-quarter NPA to total assets range of 0.37% to 0.54%. 2Q16 3Q16 4Q16 1Q17 2Q17

Nonperforming assets (LH axis) NPAs / Total assets (RH axis)

* Nonperforming assets and net charge-offs exclude purchased credit impaired loans. HFI represents held-for-investment.

22 2Q17 Capital Ratios

. Regulatory capital ratios increased by 21 to 27 bps in 2Q17 from 1Q17, and 39 to 58 bps year-to-date.

. Current capital levels are sufficient to support continued organic growth.

EWBC's Solid Capital Position

$25.00 0.14 12.8% 12.4% $21.93 11.3% 11.3% 0.12 10.9% $20.27 10.9% 10.5% $20.00 0.1 8.95% 9.3% 8.52% 8.5% 8.7% 0.08 7.0% $15.00 0.06

4.0% 0.04 $10.00

0.02

$5.00 0 Tangible equity Tangible equity to CET1 risk-based Tier 1 risk-based Total risk-based Tier 1 leverage per share tangible assets ratio capital ratio capital ratio capital ratio capital ratio

Basel III Fully Phased-in Minimum Regulatory Requirement EWBC 12.31.16 EWBC 06.30.17

23 Providing a Healthy Dividend to Stockholders

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

EWBC has consistently paid an annual dividend on the common stock since going public in 1999

*Annualized based on dividend rate for the first three quarters of 2017.

24 Interest Rate Sensitivity

EWBC’s Net Interest Income Sensitivity to Selected Interest Rate Scenarios (as of June 30, 2017) Net Interest Income Volatility: 30-Jun-2017 31-Dec-2016 Change in Interest Rates : % change $ in mm in EPS % change $ in mm in EPS + 200 bps 20.1% $226.0 + $ 1.16 22.4% $231.3 + $ 1.20 + 100 bps 11.2% $125.9 + $ 0.65 12.0% $123.9 + $ 0.64 - 100 bps -9.5% ($106.8) - $ (0.55) -6.8% ($70.2) - $ (0.36) - 200 bps -11.7% ($131.6) - $ (0.67) -7.5% ($77.4) - $ (0.40)

Net Interest Income Volatility as of 6/30/17 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 17.7% $199.0 + $ 1.02 15.3% $172.0 + $ 0.88 12.8% $143.9 + $ 0.74 +100 bps 9.7% $109.1 + $ 0.56 8.1% $91.1 + $ 0.47 6.5% $73.1 + $ 0.37

EWBC’s deposit mix has been stable: CDs ranging from 19% to 20%, and DDAs ranging from 33% to 35% over the past 5 quarters. . Brokered deposits are 5% of total deposits, and institutional deposits are 8% of total, trending down from 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 – 62%; Commercial MMA – 69%; NOW – 26%; and Savings – 14%.

Note: NII sensitivity translated into $ and EPS using annualized YTD17 NII and FY 2016 NII, and the effective tax rate in each period.

25 Loan Portfolio: Underlying Interest Rate Detail

EWBC’s Loan Portfolio Breakdown: Fixed, Hybrid, & Variable Rate Loans (as of June 30, 2017) % of % of EWBC’s loan portfolio is $ in mm. total loans $ in mm. category predominantly linked to Prime True Fixed rate loans 2,335.2 8.6% Rate and short-term LIBOR, a Hybrid: no floors 178.7 0.7% Hybrid: Interest rates above floors 2,847.8 10.5% profile that has been consistent Of which, linked to Prime 547.4 19.2% over time. Of which, linked to 1M Libor 1.9 0.1% Of which, linked to Other Libor 534.7 18.8% . Nearly 80% of EWBC’s loan Hybrid: Interest rates below floors 123.1 0.5% portfolio is variable rate (this Hybrid: Interest rates at floors 46.3 0.2% includes hybrid loans in variable Subtotal: Hybrid loans 3,195.9 11.7% period), and <10% is fixed rate. Variable: no floors 14,764.8 54.2% Of which, linked to Prime 5,571 38% . Less than $850mm of variable rate Of which, linked to 1M Libor 4,947 34% and hybrid loans, or 3.1% of total loans, have an index rate below Of which, linked to Other Libor 2,037 14% floors. Approximately 30% of these Variable: Interest rate above floors 6,120.1 22.5% would cross above floor rates with Of which, linked to Prime 3,978 65% the next 25bps move in interest Of which, linked to 1M Libor 1,160 19% rates, and another 25% would Of which, linked to Other Libor 548 9% cross with a second 25bps move. Variable: Interest rate at floors 29.0 0.1% The weighted average distance Variable: Interest rate below floors 707.6 2.6% below floors is 77bps. Of which, linked to Prime 412 58% Of which, linked to 1M Libor 110 16% . Weighted avg. next Of which, linked to Other Libor 100 14% repricing/maturity date of the total Subtotal: Variable rate loans 21,621.6 79.4% loan portfolio is <1.25 years. The Other (NPLs, premiums, discounts) 69.6 0.3% weighted avg. date of repricing for Total gross loans 27,222.3 100.0% loans below floors is 6 months. Note: Hybrid loans shows those still in fixed rate period. Hybrid loans already subject to variable rate are shown in Variable loans. Note: Loans (HFI & HFS) net of deferred fees, premiums, or discounts, and gross of ALLL.

26 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

27 APPENDIX Appendix: GAAP to Non-GAAP Reconciliation

As previously disclosed on the March 30, 2017 Form 8-K, the Company consummated a sale and leaseback transaction on a commercial property and recognized a pre-tax gain on sale of $71.7 million during the first quarter of 2017. The table below shows the computation of the diluted earnings per common share excluding the after-tax effect of the gain on sale of the commercial property, return on average assets excluding the after-tax effect of the gain on sale of the commercial property and return on average equity excluding the after-tax effect of the gain on sale of the commercial property. Management believes that eliminating the effects of the gain on sale of the commercial property makes it easier to analyze the results by presenting them on a more comparable basis.

Three Months Ended June 30, 2017 March 31, 2017 June 30, 2016 Net income (a) $ 118,330 $ 169,736 $ 103,284 Less: Gain on sale of the commercial property, net of tax (1) (b) — (41,526 ) — Adjusted net income (c) $ 118,330 $ 128,210 $ 103,284

Diluted weighted average number of shares outstanding (d) 145,740 145,732 145,078

Diluted EPS (a)/(d) $ 0.81 $ 1.16 $ 0.71 Diluted EPS impact of gain on sale of the commercial property, net of tax (b)/(d) — (0.28 ) — Adjusted diluted EPS $ 0.81 $ 0.88 $ 0.71

Average total assets (e) $ 34,994,935 $ 34,928,031 $ 32,591,398 Average stockholders’ equity (f) $ 3,637,695 $ 3,493,396 $ 3,267,936 Return on average assets (2) (a)/(e) 1.36 % 1.97 % 1.27 % Adjusted return on average assets (2) (c)/(e) 1.36 % 1.49 % 1.27 % Return on average equity (2) (a)/(f) 13.05 % 19.71 % 12.71 % Adjusted return on average equity (2) (c)/(f) 13.05 % 14.88 % 12.71 %

(1) Applied statutory tax rate of 42.05%. (2) Annualized.

29 Appendix: GAAP to Non-GAAP Reconciliation (cont’d)

Adjusted pre-tax, pre-provision profitability ratio represents the aggregate of net interest income and adjusted noninterest income less adjusted noninterest expense, divided by average total assets. Adjusted noninterest income excludes the gain on sale of the commercial property (where applicable). Adjusted noninterest expense excludes the amortization of tax credit and other investments and the amortization of core deposit intangibles. The ratios presented below provide clarity to financial statement users regarding the ongoing performance of the Company and allow comparability to prior periods. Three Months Ended June 30, 2017 March 31, 2017 June 30, 2016 Net interest income before provision for credit losses (a) $ 290,091 $ 272,122 $ 253,584

Total noninterest income 47,400 116,023 44,264 Less: Gain on sale of the commercial property — (71,654 ) — Adjusted noninterest income (b) $ 47,400 $ 44,369 $ 44,264 Net interest income and adjusted noninterest income (a)+(b) = (c) $ 337,491 $ 316,491 $ 297,848 Total noninterest expense $ 169,121 $ 153,073 $ 148,879 Less: Amortization of tax credit and other investments (27,872 ) (14,360 ) (14,006 ) Amortization of core deposit intangibles (1,762 ) (1,817 ) (2,050 ) Adjusted noninterest expense (d) $ 139,487 $ 136,896 $ 132,823 Adjusted pre-tax, pre-provision income (c)-(d) = (e) $ 198,004 $ 179,595 $ 165,025 Average total assets (f) $ 34,994,935 $ 34,928,031 $ 32,591,398 Adjusted pre-tax, pre-provision profitability ratio (1) (e)/(f) 2.27 % 2.09 % 2.04 % Adjusted noninterest expense (1)/average assets (d)/(f) 1.60 % 1.59 % 1.64 %

Adjusted efficiency ratio represents adjusted noninterest expense divided by the aggregate of net interest income and adjusted noninterest income. The Company believes that presenting the adjusted efficiency ratio shows the trend in recurring overhead-related noninterest expense relative to recurring net revenues. This provides clarity to financial statement users regarding the ongoing performance of the Company and allows comparability to prior periods.

Three Months Ended June 30, 2017 March 31, 2017 June 30, 2016 Adjusted noninterest expense (m) $ 139,487 $ 136,896 $ 132,823 Net interest income and adjusted noninterest income (n) $ 337,491 $ 316,491 $ 297,848 Adjusted efficiency ratio (m)/(n) 41.33 % 43.25 % 44.59 %

(1) Annualized.

30 Appendix: GAAP to Non-GAAP Reconciliation (cont’d)

The Company believes that presenting the adjusted average loan yield and adjusted net interest margin that exclude the ASC 310-30 discount accretion impact provides clarity to financial statement users regarding the change in loan contractual yields and allows comparability to prior periods.

Three Months Ended Six Months Ended Yield on Average Loans June 30, 2017 March 31, 2017 June 30, 2016 June 30, 2017 June 30, 2016 Interest income on loans (a) $ 293,039 $ 272,061 $ 254,331 $ 565,100 $ 507,873 Less: ASC 310-30 discount accretion income (6,261 ) (3,233 ) (13,312 ) (9,494 ) (26,659 ) Adjusted interest income on loans (b) $ 286,778 $ 268,828 $ 241,019 $ 555,606 $ 481,214

Average loans (c) $ 26,698,787 $ 26,087,178 $ 23,888,867 $ 26,403,545 $ 23,854,070 Add: ASC 310-30 discount 45,398 48,566 65,957 46,973 71,347 Adjusted average loans (d) $ 26,744,185 $ 26,135,744 $ 23,954,824 $ 26,450,518 $ 23,925,417

Average loan yield (1) (a)/(c) 4.40 % 4.23 % 4.28 % 4.32 % 4.28 % Adjusted average loan yield (1) (b)/(d) 4.30 % 4.17 % 4.05 % 4.24 % 4.04 %

Net Interest Margin Net interest income (e) $ 290,091 $ 272,122 $ 253,584 $ 562,213 $ 505,788 Less: ASC 310-30 discount accretion income (6,261 ) (3,233 ) (13,312 ) (9,494 ) (26,659 ) Adjusted net interest income (f) $ 283,830 $ 268,889 $ 240,272 $ 552,719 $ 479,129

Average interest-earning assets (g) $ 33,295,012 $ 33,095,396 $ 30,783,445 $ 33,204,629 $ 30,690,954 Add: ASC 310-30 discount 45,398 48,566 65,957 46,973 71,347 Adjusted average interest-earning assets (h) $ 33,340,410 $ 33,143,962 $ 30,849,402 $ 33,251,602 $ 30,762,301

Net interest margin (1) (e)/(g) 3.49 % 3.33 % 3.31 % 3.41 % 3.31 % Adjusted net interest margin (1) (f)/(h) 3.41 % 3.29 % 3.13 % 3.35 % 3.13 %

(1) Annualized.

31 Appendix: GAAP to Non-GAAP Reconciliation (cont’d)

The Company uses certain non-GAAP financial measures to provide supplemental information regarding the Company’s performance. Tangible equity and tangible equity to tangible assets ratios are non-GAAP disclosures. Tangible equity represents stockholders’ equity which has been reduced by goodwill and other intangible assets. Given that the use of such measures and ratios are more prevalent in the banking industry, and used by banking regulators and analysts, the Company has included them for discussion.

June 30, 2017 March 31, 2017 June 30, 2016 Stockholders’ equity $ 3,670,261 $ 3,565,954 $ 3,296,910 Less: Goodwill (469,433 ) (469,433 ) (469,433 ) Other intangible assets (1) (32,012 ) (33,843 ) (37,696 ) Tangible equity (a) $ 3,168,816 $ 3,062,678 $ 2,789,781

Total assets $ 35,917,617 $ 35,342,126 $ 32,952,212 Less: Goodwill (469,433 ) (469,433 ) (469,433 ) Other intangible assets (1) (32,012 ) (33,843 ) (37,696 ) Tangible assets (b) $ 35,416,172 $ 34,838,850 $ 32,445,083 Tangible equity to tangible assets ratio (a)/(b) 8.95 % 8.79 % 8.60 %

Adjusted tangible return on average tangible equity represents adjusted tangible net income divided by average tangible equity. Adjusted tangible net income excludes the after-tax effect of the amortization of core deposit intangibles, the after-tax effect of the amortization of mortgage servicing assets and the after-tax effect of the gain on sale of the commercial property. Three Months Ended June 30, 2017 March 31, 2017 June 30, 2016 Net Income $ 118,330 $ 169,736 $ 103,284 Add: Amortization of core deposit intangibles, net of tax (2) 1,021 1,053 1,188 Amortization of mortgage servicing assets, net of tax (2) 241 266 377 Tangible net income (c) $ 119,592 $ 171,055 $ 104,849 Less: Gain on sale of the commercial property, net of tax(2) — (41,526 ) — Adjusted tangible net income (d) $ 119,592 $ 129,529 $ 104,849

Average stockholders’ equity $ 3,637,695 $ 3,493,396 $ 3,267,936 Less: Average goodwill (469,433 ) (469,433 ) (469,433 ) Average other intangible assets (1) (33,101 ) (34,987 ) (38,867 ) Average tangible equity (e) $ 3,135,161 $ 2,988,976 $ 2,759,636

Tangible return on average tangible equity (3) (c)/(e) 15.30 % 23.21 % 15.28 %

Adjusted tangible return on average tangible equity (3) (d)/(e) 15.30 % 17.57 % 15.28 %

(1) Includes core deposit intangibles and mortgage servicing assets. (2) Applied statutory tax rate of 42.05%. (3) Annualized.

32