EAST WEST BANCORP INC

To supplement the Company’s unaudited interim Consolidated Financial Statements prepared in accordance with U.S. GAAP, the Company uses certain non-GAAP financial measures to evaluate operating performance, financial condition and capital strength. These non-GAAP financial measures are not prepared in accordance with U.S. GAAP and should not be considered as a substitute for, or superior to, the most directly comparable U.S. GAAP financial measure. The non-GAAP financial measures presented in this Form 10-Q include, among others, ROATCE, tangible book value per share, adjusted net interest margin, adjusted loan yield, and TCE ratio. The Company believes these non-GAAP financial measures, when taken together with the corresponding U.S. GAAP financial measures, provide meaningful supplemental information to investors and management by facilitating period-to-period comparisons, enhancing the assessment of the Company’s operating performance and capital position, and providing additional insight into financial measures commonly used by investors, analysts and banking regulators. Because non-GAAP financial measures are not standardized, they may not be comparable to similarly titled measures reported by other companies. Reconciliations of the non-GAAP financial measures presented in this Form 10-Q to the most directly comparable GAAP measures are provided in the following tables.

(1)Applied blended statutory tax rate of 28.02% for the three and nine months ended September 30, 2026. Applied statutory tax rate of 28.18% for the three and nine months ended September 30, 2025.

(2)Annualized.