East West Bancorp, Inc. reported a strong financial performance for the third quarter of 2025, with net income reaching $368.4 million, a 23% increase from $299.2 million in the same period last year. For the first nine months of 2025, net income totaled $968.9 million, up 11% from $872.5 million in 2024. The company's total revenue for the third quarter was $778 million, a 18% increase compared to $657 million in the prior year, driven by a rise in net interest income and noninterest income. Net interest income before provision for credit losses was $677.5 million, reflecting an 18% year-over-year increase, while noninterest income rose to $100.5 million, a 19% increase.
The company experienced significant growth in its loan portfolio, with total loans held-for-investment increasing to $55.8 billion as of September 30, 2025, up 4% from $53.7 billion at the end of 2024. This growth was attributed to a balanced increase across various loan types, including commercial and industrial loans, which rose to $18 billion, and commercial real estate loans, which reached $21 billion. Total deposits also grew to $66.6 billion, a 5% increase from $63.2 billion at the end of the previous year, primarily due to increases in time, money market, and noninterest-bearing demand deposits.
In terms of operational metrics, the company reported a return on average assets (ROA) of 1.84% and a return on average common equity (ROAE) of 17.44% for the third quarter of 2025, both showing improvements from the previous year. The efficiency ratio for the quarter was 35.59%, slightly higher than 34.36% in the same quarter of 2024, indicating a slight increase in operational costs relative to revenue. The company’s stockholders’ equity increased to $8.6 billion, an 11% rise from $7.7 billion at the end of 2024, with a book value per share of $62.39.
Strategically, East West Bancorp has focused on enhancing its capital position and managing risks associated with its loan portfolio. The allowance for credit losses increased to $790.5 million, reflecting a proactive approach to potential credit risks amid a challenging economic environment. The company has also engaged in stock repurchase activities, repurchasing $26 million of its common stock during the third quarter. Looking ahead, East West Bancorp remains committed to maintaining strong capital levels and managing liquidity effectively, with total available liquidity increasing to $39.5 billion as of September 30, 2025, compared to $35.4 billion at the end of 2024.
About EAST WEST BANCORP INC
East West Bancorp is a bank holding company primarily serving as a parent to East West Bank, which provides commercial and retail banking services. Its core activities include lending, deposit-taking, trade finance, foreign exchange, and wealth management, with a focus on U.S. and Asian markets. The bank leverages its international presence and cross-border expertise to serve individuals and businesses, especially within the Asian American community, offering innovative digital and traditional banking solutions.
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