Manila, Philippines – East West Banking Corporation (EastWest) closed 2025 with a net income of ₱9.2 billion, a 21% increase from the previous year, supported by stronger core revenue generation, double-digit growth in fee-basedincome, and disciplined focus on operational efficiency across the Bank. Return on Equity (ROE) ended at 11.9%.

Total revenues rose 20% year-on-year to ₱51.0 billion, driven by the continued expansion in net interest income to ₱40.6 billion and a 13% increase in interest-earning assets. This performance was further supported by a 21% rise in fee income to ₱7.1 billion, underscoring the Bank’s expanding capability to generate non-interest revenues.

“Our 2025 performance demonstrates the Bank’s ability to grow efficiently amidst a competitive environment and evolving market conditions,” said EastWest Bank President Jackie S. Fernandez. “We strengthened revenue generation across businesses, supported by resilient asset growth and improved fee momentum.”

Operating expenses increased by a modest 8% to ₱25.4 billion, largely due to volume-related costs and sustained investments in people and technology—investments that are now translating into productivity gains. As a result, Pre-Provision Operating Profit (PPOP) climbed 33% to ₱25.5 billion, highlighting improved operating leverage. The Bank’s cost-to-income ratio (CIR) improved to 49.7%, from 55.2% in 2024.

Provisions for credit losses amounted to ₱14.2 billion, aligned with the Bank’s prudent risk posture and continued strengthening of allowances. NPL coverage stood at 86%, consistent with industry benchmarks. 

“Our prudent provisioning strategy ensures the Bank remains well-positioned against macroeconomic uncertainties,” said EastWest CEO Jerry G. Ngo. “Even with these added buffers, we delivered solid profitability and improved returns.”

EastWest’s balance sheet expanded in step with funding strength. Total assets rose 10% to ₱577.1 billion, supported by deposits that grew 13% to ₱437.8 billion, maintaining a robust CASA ratio of 82%—with deposit growth primarily driven by CASA deposits, which rose 14%—underscoring durable, low-cost funding aligned with asset expansion. Priority Banking momentum also strengthened, with Assets Under Management increasing 40% to surpass ₱100 billion.

Capitalization remained sound, with a Capital Adequacy Ratio (CAR) of 13.5% and CET1 ratio of 12.6%, both well above regulatory thresholds. The Bank noted its core businesses remain resilient, supported by steady loan demand and improving asset quality trends.

The Bank also continued to advance digital and service initiatives that strengthen customer experience and operational scalability, anchored on the EasyWay ecosystem and core modernization priorities. EasyWay maintained strong customer feedback with an app rating of 4.9 on iOS and 4.8 on Google Play, while digital penetration reached 51%, reflecting continued progress in shifting customer activity to scalable digital channels. These efforts were complemented by strong external recognition during theyear, including multiple wins at the Asian Banking & Finance (ABF) Awards, recognition at the Euromoney Private Banking Awards for discretionary portfolio management in the Philippines, and Great Place to Work certification. EastWest was also recognized by the Bangko Sentral ng Pilipinas through the Outstanding BSP Stakeholders Award for its contribution to the Cash Service Alliance initiative, and received the Golden Arrow for Good Corporate Governance, underscoring continued focus on trust, discipline, and long-term resilience.

“We enter 2026 with strong momentum,” Ngo added. “Our continued investments in digital transformation, customer experience, and risk management will reinforce EastWest’s competitiveness and position us for sustained growth this year.”