EAST WEST BANCORP INC

Deposits are the Company’s primary source of funding and have a significant impact on the Company’s net interest income and net interest margin. Additional funding sources include short-term borrowings and long-term debt. For further discussion of the Company’s liquidity position and funding strategy, see Item 2. MD&A — Risk Management — Liquidity Risk Management in this Form 10-Q. The following table summarizes the Company’s deposits by product type as of September 30, 2026 and December 31, 2025:

The Company’s deposit strategy focuses on growing and retaining relationship-based deposits to provide a stable and low-cost source of funding and liquidity. The Company offers a broad range of deposit products to meet the needs of its consumer and commercial customers and believes its deposit base is seasoned, stable and well-diversified. Total deposits increased $4.4 billion or 7% to $71.5 billion as of September 30, 2026 from $67.1 billion as of December 31, 2025. The increase was primarily driven by growth in noninterest-bearing demand and money market deposits.

The following table provides a breakdown of the Company’s deposits by segment and region as of September 30, 2026 and December 31, 2025:

(1)Prior-period balances have been reclassified to conform to the current period presentation due to a change in allocation methodology.

(2)Deposits of our Hong Kong branch and China subsidiary bank branches are a subset of Commercial Banking segment deposits.

(3)Treasury and Other segment deposits primarily consist of wholesale, public funds, and brokered deposits managed by the Company’s Treasury department.

Customer deposit accounts held at U.S. offices are insured by the FDIC for up to $250,000 per depositor, per ownership category. Consistent with regulatory reporting requirements, uninsured deposits represent the portion of deposit accounts that exceed FDIC insurance limits and are reported in Schedule RC-O Memorandum, Item 2 of the Bank's Call Report.

Management also monitors uninsured deposits excluding collateralized and affiliate deposits, as collateralized deposits are secured and affiliate deposits are eliminated in consolidation. Management believes this measure provides additional insight into the level of uninsured customer deposits that may be more directly sensitive to changes in market conditions. The following table summarizes the Company’s uninsured domestic deposit balances as reported on Schedule RC-O Memorandum, Item 2 of the Bank’s Call Report as of September 30, 2026 and December 31, 2025, after certain adjustments:

(1)Uninsured deposits, per regulatory requirements, represent the portion of deposit accounts in U.S. branches that exceed the FDIC insurance limit as reported on Schedule RC-O Memorandum, Item 2 of the Bank’s Call Report.

Additional information regarding the impact of deposits on net interest income, including average deposit balances and rates, is provided in Item 2. MD&A — Results of Operations — Net Interest Incomein this Form 10-Q. For further discussion on the impact of deposits as a liquidity and funding source, see Item 2. MD&A — Risk Management — Liquidity Risk Managementin this Form 10-Q.