Company Profile and Investment Overview East West Bancorp | Nasdaq: EWBC December 31, 2014 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 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*

• Headquartered in Pasadena, California, East West is a commercial bank with focus on the U.S. and Greater markets

• Market Capitalization of $5.74 Billion › 24th Largest Market Capitalization in the U.S. for Public Banks

• Total Assets of $28.7 Billion › 30th Largest Public Bank in the U.S. by Assets › 2nd Largest Independent Bank Headquartered in Southern California

• Ranked in the Top 20 of the 100 Best Banks in America by Forbes in 2014 for the fifth consecutive year

• Over 130 Locations Worldwide

• Five Full Service Branches in Greater China

• 2,700 Employees

*Market capitalization is as of February 27, 2015. Financial information as of most recently reported figures, December 31, 2014.

4 Top 25 Banks by Market Capitalization

Market Capitalization Market Capitalization at 2/27/15 at 2/27/15 Rank Company (in billions) Rank Company (in billions) 1 Wells Fargo & Company $282.29 14 M&T Bank Corporation $16.08 2 JPMorgan Chase & Co. 228.47 15 Citizens Financial Group Inc. 13.56 3 Bank of America Corporation 166.31 16 Regions Financial Corporation 12.91 4 Citigroup Inc. 159.03 17 KeyCorp 11.91 5 U.S. Bancorp 79.46 18 Huntington Bancshares Inc. 8.86 6 PNC Financial Services Group, Inc. 48.10 19 Comerica Incorporated 8.17 7 Bank of Mellon Corporation 43.60 20 First Republic Bank 7.89 8 Capital One Financial Corp. 43.42 21 New York Community Bancorp 7.37 9 State Street Corporation 30.70 22 SVB Financial Group 6.26 10 BB&T Corporation 27.42 23 Signature Bank 6.21 11 SunTrust Banks, Inc. 21.44 24 East West Bancorp 5.74 12 Fifth Third Bancorp 15.77 25 Zions Bancorporation 5.43 13 Northern Trust Corporation 16.30

Source: SNL Financial (includes all publicly traded banks)

5 Milestones

Founded as the Converted to a Complemented organic 40th anniversary of East West. First S&L serving state chartered growth with acquisition Over this time, assets have increased from Chinese-American commercial bank activities $7 million in 1973 to $25 billion in 2013. market in Southern California

1980s/1990s 1998-1999 2009 2014

1973 1995 2000-2007 2013

Expansion of Initiated management Acquisition of $1.6 Billion branch network led buyout and trading Acquisition of $9.9 Billion based MetroCorp in California on Nasdaq Bancshares, Inc.

6 Strong Growth and Performance

Total Assets (in billions) CAGR* = 17% Total Loans (in billions) CAGR* = 16%

$28.7 $21.8 $24.7 $18.1 $22.5 $22.0 $15.1 $20.6 $20.7 $14.1 $13.7 $14.5

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

2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014

Deposits (in billions) CAGR* = 18% Stockholders' Equity (in billions) CAGR* = 19%

$24.0 $2.9 $20.4 $2.3 $2.3 $2.4 $2.4 $17.5 $18.3 $2.1 $15.0 $15.6 $1.6 $1.2 $1.0 $8.1 $7.2 $7.3 $0.7 $6.3 $0.5 $4.5

2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014

* CAGR from 2004 – 2014

7 Our Distribution Channel

• Leading retail presence in Asian communities • Commercial banking centers strategically located • In-store branches located in twelve 99 Ranch Markets, an Asian supermarket chain • Only Chinese-American focused bank with full service banking offices in U.S. and China

United States (121 branches) Greater China (10 locations)

WA 4 MA NY 2 6 CA NV 1 93

GA TX 4 11 Branch offices Representative offices

5 Full Service Branches: • , , Shanghai FTZ, Shantou, 5 Representative Offices: • Beijing, Chongqing, Guangzhou, , Xiamen

8 Making the U.S. – Greater China Connection

• East West Bank is a top performing commercial bank with focus on the U.S. and Greater China markets, with 5 full service branches in Greater 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 • Invaluable access to customer › Assist customers 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 allows us to guide our customers through complex transactions

9 Year over Year Results

Net Income Earnings Per Share (in millions) $2.38 $342.5 +13% $2.10 $295.0 +16%

2013 2014 2013 2014

Return On Assets Return On Equity

1.25% 1.24% 12.61% 12.59%

2013 2014 2013 2014

10 Fourth Quarter 2014 Highlights

• Strong Earnings › Net income of $93.0 million or $0.65 per diluted share › Net income increased $4.2 million or 5% from third quarter 2014 › EPS up $0.03 or 5% from third quarter 2014 • Strong ROE and ROA › ROE increased to 12.95%, up 15 bps from third quarter 2014 › ROA increased to 1.27%, up 2 bps from third quarter 2014 • Solid Net Interest Margin › Adjusted Net Interest Margin of 3.39%, down 2 bps from third quarter 2014 › Adjusted Net Interest Income of $231.5 million, up 3% from third quarter 2014 • Cost of Deposits of 0.28%, down 1 bp from third quarter 2014 • Strong Expense Control with Efficiency Ratio of 42.13%

11 Fourth Quarter 2014 Highlights (continued)

• Strong Loan Growth (including covered and non-covered) › Total loans receivable grew to a record $21.8 billion as of December 31, 2014, up $541.6 million or 3% from September 30, 2014 • Deposit Growth › Total deposits grew to a record $24.0 billion as of December 31, 2014 › Total deposits consist of: • $17.9 billion in Core Deposits ($219.6 million or 1% increase from third quarter 2014) • $6.1 billion in Time Deposits (stable from third quarter 2014) › We remain committed on growing low-cost commercial deposits, while reducing our reliance on time deposits • Strong Asset Quality › Nonperforming non-covered loans remain low at 0.46% of total loans › Nonperforming non-covered assets remain low at 0.45% of total assets › Maintaining strong allowance for loan losses on non-covered loans of 1.27%

12 Strong Loan Growth

Total Loans Loan Portfolio Distribution ($ in billions)

$21.8 18% +20% $18.1 SFR 37% 7% MFR Consumer & Other 7% CRE C&I & Trade Finance

12/31/2013 12/31/2014 31%

• Total loans grew to a record $21.8 billion as of December 31, 2014 › This was an increase of $3.7 billion or 20% year over year › The growth stemmed from strong growth in C&I and single family loans

• Total of $1.5 billion of covered loans as of December 31, 2014 › $1.1 billion of covered loans acquired from the United Commercial Bank FDIC assisted transaction no longer covered under loss share agreements after December 31, 2014 › Credit performance from covered loans continues to be better than original estimates

13 Strong Credit Quality

• Asset quality continues to remain strong • NPAs have remained under 1% of total assets for the fourth consecutive year

Credit Quality (excludes covered loans) ($ in millions) 12/31/14 9/30/14 06/30/14 03/31/14 12/31/13

NPAs Total NPAs $128.7 $159.1 $161.4 $160.9 $130.6 NPA to Total Assets1 0.45% 0.56% 0.59% 0.59% 0.53% Nonaccrual loans to total loans2 0.46% 0.59% 0.58% 0.67% 0.62%

Allowance for Loan Losses ALLL to non-covered nonaccrual loans 255.51% 198.27% 207.25% 185.34% 216.68% ALLL to total gross non-covered loans 1.27% 1.29% 1.35% 1.42% 1.54%

Credit Costs Quarterly Annualized Charge-off %3 0.19% 0.11% 0.16% 0.10% (0.03%) Quarterly Provision for Loan Losses on $19.67 $7.56 $8.94 $7.95 $6.29 Non-covered Loans

1Nonperforming asset exclude covered loans and covered REOs. Total assets include covered assets. 2Nonaccrual loans exclude covered loans. Total loans include covered loans. 3Annualized.

14 Diversified Commercial Real Estate Portfolio

CRE Loan Portfolio Distribution CLTV Distribution at December 31, Balance Cumulative % 2014 # of Loans ($ in millions) % of Total of Total 50% or less 1,719 $ 2,015 37% 37% 51% to 55% 389 729 13% 50% 56% to 60% 418 752 13% 63% 61% to 65% 417 959 17% 80% 66% to 70% 239 637 11% 91% 71% to 75% 68 178 3% 94% Over 75% 114 341 6% 100% Total non- covered CRE 3,364 $ 5,611 100% Loans

Well diversified non-covered commercial real estate loan portfolio of $5.6 billion as of 12/31/14 › Average loan size low at $1.7 million › Average LTV low at 56%*

*Based on original appraisal

15 Strong Deposit Growth

Total Deposits ($ billions) $24.0 (December 31, 2014)

$20.4 +18%

• Total deposits grew to a record $24.0 billion as of December 31, 2014, an increase of $3.6 billion or 18% from December 31, 2013. • Core deposits grew to $17.9 billion as of December 31, 2014, an increase of $3.3 billion or 23% from December 31, 2013.

16 Strong Capital Position

Capital Ratios 12.6% 11.0% 10.0% 10.6% • Capital position for East West 8.4% remains strong 6.0% 5.0% • Assuming Basel III risk weightings and end of UCB loss share agreement, pro-forma total risk- based capital ratio is over 12% and Tier 1 leverage Tier 1 risk-based Total risk-based Common equity CET1 capital ratio is over 10% as ratio ratio ratio tier 1 ratio

Well Capitalized Regulatory Requirement East West Bancorp 12.31.14 of 12/31/14 • Book value has increased by 21% Book Value Growth $19.85 since 2012 and 16% from 2013 • Increased return to shareholders $17.18 $16.39 with 11% increase in dividend in January 2015 to $0.20 per quarter

12/31/2012 12/31/2013 12/31/2014

17 Key Focus Areas

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

Focus on delivering Maintain solid net long term shareholder interest income and value net interest margin

2015

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

18 Summary

• Strengthened position as the leading Asian-American bank

• Financially bridge Asian and mainstream customers

• Strong financial performance and balance sheet

• Focus 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

19