First Quarter 2016 INVESTOR PRESENTATION

May 13, 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 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 $33 billion in total assets, 43 years of operating history, and 2,800 associates, is the leading U.S. Bank serving the Asian community.

LOCATIONS + GREATER CHINA 130 THROUGHOUT 120+ Locations 10 Locations Across 60+ cities in 10 metropolitan areas 5 Full-service branches 90 Branches 5 Representative offices In 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 Q1 net opens for business. to trade on United Commercial in TX and CA with income of First S&L bank serving Nasdaq. Bank and doubled acquisition of $107.5 million the Asian American asset size to over $2 billion Houston- and assets of market in Southern $20 billion. based MetroCorp. $33.1 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 Net income First full-service New branch in expanded in CA. exceeded to state management- exceeded branch in Greater Las Vegas. $1 billion. chartered led buyout. $100 million. China opened in commercial 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. . Voted by Forbes as top 15 . EWB is one of the few U.S. . Beyond banking approach of America’s best banks banks with a banking license . Cross-border products helps customers assimilate (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 03.31.16) $ Billion Rank Market Cap (as of 05.13.16) $ Billion 1 JPMorgan Chase & Co. 2,423.8 1 Wells Fargo & Company 244.9 2 Bank of America Corporation 2,185.5 2 JPMorgan Chase & Co. 223.8 3 Wells Fargo & Company 1,849.2 3 Bank of America Corporation 142.6 4 Citigroup Inc. 1,801.0 4 Citigroup Inc. 126.5 5 U.S. Bancorp 428.6 5 U.S. Bancorp 71.5 6 Bank of New York Mellon Corporation 372.9 6 Bank of New York Mellon Corporation 42.5 7 PNC Group, Inc. 361.0 7 PNC Financial Services Group, Inc. 42.3 8 Capital One Financial Corporation 330.3 8 Capital One Financial Corporation 35.2 9 State Street Corporation 243.7 9 BB&T Corporation 25.9 10 BB&T Corporation 212.4 10 State Street Corporation 23.5 11 SunTrust Banks, Inc. 194.2 11 SunTrust Banks, Inc. 20.3 12 Fifth Third Bancorp 142.4 12 M&T Bank Corporation 18.0 13 Citizens Financial Group, Inc. 140.1 13 Corporation 15.6 14 Regions Financial Corporation 125.5 14 Fifth Third Bancorp 13.2 15 M&T Bank Corporation 124.6 15 Regions Financial Corporation 11.4 16 Northern Trust Corporation 117.8 16 Citizens Financial Group, Inc. 11.3 17 KeyCorp 98.4 17 First Republic Bank 9.9 18 Incorporated 72.6 18 KeyCorp 9.8 19 Comerica Incorporated 69.0 19 Huntington Bancshares Incorporated 7.7 20 First Republic Bank 62.1 20 Comerica Incorporated 7.4 21 59.2 21 7.2 22 SVB Financial Group 43.6 22 Zions Bancorporation 5.3 23 First Niagara Financial Group, Inc. 40.1 23 East West Bancorp, Inc. 5.1 24 People's United Financial, Inc. 39.3 24 SVB Financial Group 4.8 25 Popular, Inc. 36.1 25 People's United Financial, Inc. 4.7 26 Signature Bank 34.9 26 , Inc. 4.5 27 East West Bancorp, Inc. 33.1 27 PacWest Bancorp 4.5 28 First Citizens BancShares, Inc. 32.2 28 BOK Financial Corporation 3.8 29 BOK Financial Corporation 31.4 29 Synovus Financial Corp. 3.7 30 Synovus Financial Corp. 29.2 30 Cullen/Frost Bankers, Inc. 3.7

6 First Quarter 2016 Highlights

QoQ YoY ($ in millions, except per share data) 1Q16 4Q15 Change 1Q15 Change

Net income $ 107.5 $ 91.8 +17% $ 100.0 +7%

Earnings per share (diluted) $ 0.74 $ 0.63 +17% $ 0.69 +7%

At period-end Total loans $ 23,796.7 $ 23,691.7 +0.4% $ 21,571.7 +10% Total deposits $ 28,596.2 $ 27,476.0 +4% $ 25,162.8 +14% Total assets $ 33,109.2 $ 32,350.9 +2% $ 29,906.8 +11% Selected ratios

Return on average assets 1.33% 1.14% +19 bps 1.39% -6 bps

Return on average equity 13.59% 11.67% +1.92% 13.93% -0.34%

Net interest margin 3.32% 3.26% +6 bps 3.51% -19 bps

Cost of deposits 0.28% 0.29% Improved 1 bp 0.28% -

Adjusted efficiency ratio1 44.53% 43.99% +54 bps 42.65% +188 bps

1 Represents noninterest expense, excluding 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) reversal of credit losses, and noninterest income.

7 First Quarter Net Interest Income and Margin

3.51% 3.60%

3.50%

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

$252.2 3.20% $246.9 $235.7 $240.3 $227.5 3.10%

3.00%

2.90% ($ in millions) ($in

2.80%

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

Net Interest Income Net Interest Margin

Net Interest Income Net Interest Margin

$252.2 million 3.32% 1Q16 Net Interest Income 1Q16 Net Interest Margin +$5.3 million or +2% +6 basis points From 4Q15 Net Interest Income From 4Q15 Net Interest Margin

Due to loan portfolio growth Due to higher yield on interest-earning assets

8 Strong Growth and Performance

($ in billion) Total Assets** Stockholders' Equity** $3.2 $33.1 $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 1Q16 06 07 08 09 10 11 12 13 14 15 1Q16 QTD QTD

Total Loans Deposits

$28.6 $23.8 $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 1Q16 06 07 08 09 10 11 12 13 14 15 1Q16 QTD QTD

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

9 Sixth Consecutive Year of Record Earnings* for 2015

>18% CAGR for Net Income

$384.7

$345.9

$293.3

$277.7

$242.8

$164.6

Earnings ($ million) Earnings $107.5

2010 2011 2012 2013 2014 2015 2016 1Q * 2010-2014 were restated to reflect the retrospective application of adopting the new accounting guidance related to the Company's investments in qualified affordable housing projects ASU 2014-01.

10 Seventh Consecutive Year of EPS* Growth for 2015

42% CAGR for Earnings Per Share

$2.66

$2.41

$2.09 $1.87 $1.58

$0.83 $0.74

$0.33

20092009 20102010 2011 2012 2013 20142014 2015 20162016 Q1 1Q

* 2010-2014 were restated to reflect the retrospective application of adopting the new accounting guidance related to the Company's investments in qualified affordable housing projects ASU 2014-01.

11 Strong Efficiency Ratio

East West Bank has better operating efficiency compared to peer banks

50%

59% 42% 45%

2015 Full-Year 2016 1Q Industry Average*

* Industry average based on FDIC’s 4Q15 Quarterly Banking Profile for FDIC Insured Banks with Asset size >$10B.

12 Diversified Loan Portfolio

$23.8 billion RECORD loans as of March 31, 2016 Loan Distribution

$23.8 MFR Land/Construction $23.7 6% 3%

$23.0 Consumer 8%

$22.2 C&I SFR 37% billions) $21.6

in in 13% ($

CRE 33% 03.31.15 06.30.15 09.30.15 12.31.15 03.31.16

+$105.0 million QoQ increase QoQ organic loan growth mostly driven 1Q16 average loan yield by CRE, consumer and SFR was 4.28% +$2.2 billion or 10% YoY increase

13 Diversified Commercial Real Estate Portfolio*

Medical 3% Other 7%

Retail Office 29% 14% $7.8 billion CRE loan portfolio $2.1 million Average outstanding CRE loan size Mixed Use 14% 47% Average LTV Industrial 18% Hotel 15%

*As of March 31, 2016

14 Strong Deposit Growth

$28.6 billion RECORD deposits as of March 31, 2016 Deposit Distribution

$28.6 CD $27.5 21%

$26.8

Savings DDA $25.5 7% 33%

$25.2 billions)

in in Checking

($ 12%

MMDA 27%

03.31.15 06.30.15 09.30.15 12.31.15 03.31.16

+$1.1 billion or 4% QoQ increase $22.5 billion record core deposits 1Q16 cost of deposit was 0.28%

+$3.4 billion or 14% YoY increase

15 Low Levels of Nonaccrual Loans & Net Charge-Offs

Nonperforming assets Nonaccrual loans Nonaccrual: HFI Loans $ in millions Nonperforming assets: Total assets 0.51% 0.68% $250.0 0.42% 0.40% 0.38% 0.40% 0.52% 0.51% $168.7 0.41% 0.40% $162.6 $120.5 $129.8 $128.4 $117.5 $121.4 $112.9 $87.8 $87.2

$- 0.00% $- 0.00% 03.31.15 06.30.15 09.30.15 12.31.15 03.31.16 03.31.15 06.30.15 09.30.15 12.31.15 03.31.16

Allowance for loan losses Allowance for loan losses: HFI Loans

1.21% 1.19% 1.17% 1.12% 1.09% Net charge-offs (recoveries): Avg. HFI Loans

$257.7 $261.2 $264.4 $265.0 $260.2 0.11% 0.09% 0.09%

$100.0 0.00% 03.31.15 06.30.15 09.30.15 12.31.15 03.31.16 03.31.15 06.30.15 09.30.15 12.31.15 03.31.16

-0.10% -0.08% -0.07%

Nonaccrual loans and nonperforming assets exclude purchased credit impaired loans. HFI represents held-for-investment.

16 Strong Capital Levels

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

12.4% 10.7% 10.7% 10% 8.5% 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 03.31.16

17 Providing a Healthy Dividend to Shareholders

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

$0.80 $0.80 EWBC has consistently paid an annual dividend on the common stock $0.72 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*

*Annualized based on dividend rate for the first and second quarters of 2016.

18

Strong Total Shareholder Return

Ticker EWBC EWBC stock has outperformed peers and Exchange NASDAQ major indices over the last 5 years Market Cap $5.1B (as of 05.13.16) Closing Price $35.56 $35.56 (as of 05.13.16) May 13, 2016 52-week high $46.50 52-week low $27.25 No. of shares 144M outstanding Annual Dividend $0.80 $20.49 May 13, 2011 Total Shareholder Return 91%

5/13/2011

52%

EWBC S&P 500 KBW Regional Bank Index DJIA

Total Shareholder Return as of 05.13.16. Source: SNL Financial LC. 3-YR 5-YR

19 Key Focus Areas

Expand Grow MARKET CORE DEPOSITS

Build Maintain good FEE-BASED LOAN CREDIT businesses LONG-TERM

SHAREHOLDER VALUE

Control Maintain solid EXPENSES NII* & NIM*

Increase PROFITABILITY

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

20 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 Greater China

21