East West Banking Income Statement

Financials in millions PHP. Fiscal year is January - December.

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	41,114	36,627	29,841	22,410	21,102	28,004
Interest Income on Investments	6,601	5,701	4,721	3,710	2,151	2,706
Total Interest Income	47,714	42,328	34,561	26,120	23,252	30,710
Interest Paid on Deposits	7,817	7,037	5,231	2,262	1,768	3,561
Interest Paid on Borrowings	1,831	1,805	1,106	533.54	457.71	646.13
Total Interest Expense	9,648	8,842	6,337	2,795	2,226	4,207
Net Interest Income	38,066	33,486	28,225	23,325	21,027	26,503
Net Interest Income Growth (YoY)	15.87%	18.64%	21.00%	10.93%	-20.66%	23.46%
Trust Income	145.19	137.17	126.73	121.23	99.83	79.27
Income From Trading Activities	-113.42	401.14	337.83	-395.64	-841.42	1,464
Gain (Loss) on Sale of Assets	-1,044	-688.09	183.08	105.35	-223.61	20.74
Gain (Loss) on Sale of Investments	-	-	-	-	1,850	3,675
Other Non-Interest Income	9,268	7,878	6,174	5,098	5,623	1,793
Total Non-Interest Income	9,448	8,919	7,436	4,919	5,984	6,880
Non-Interest Income Growth (YoY)	0.05%	19.95%	51.16%	-17.79%	-13.03%	-4.85%
Revenues Before Loan Losses	47,513	42,405	35,660	28,244	27,010	33,383
Provision for Loan Losses	12,126	9,566	7,672	4,951	4,149	9,834
Revenue	35,387	32,839	27,988	23,294	22,861	23,549
Revenue Growth (YoY)	10.06%	17.33%	20.15%	1.89%	-2.92%	-4.49%
Salaries and Employee Benefits	9,056	8,533	7,349	5,960	5,671	5,711
Occupancy Expenses	2,147	2,092	1,640	1,985	2,229	1,957
Amortization of Goodwill & Intangibles	368.72	258.29	199.65	181.43	168.3	186.28
Selling, General & Administrative	1,679	1,750	1,617	971.76	824.19	886.07
Other Non-Interest Expense	11,323	10,645	9,372	7,831	7,553	7,442
Total Non-Interest Expense	24,729	23,165	20,329	17,159	16,682	16,483
EBT Excluding Unusual Items	10,658	9,675	7,659	6,135	6,179	7,066
Asset Writedown	-13.66	-13.66	-15.99	-	-	-
Legal Settlements	-145.03	-145.03	-115.9	-76.45	-73.71	-48.22
Pretax Income	10,499	9,516	7,527	6,059	6,105	7,018
Income Tax Expense	2,089	1,908	1,444	1,433	1,590	510.16
Net Income	8,410	7,608	6,083	4,625	4,515	6,508
Net Income to Common	8,410	7,608	6,083	4,625	4,515	6,508
Net Income Growth	19.55%	25.06%	31.52%	2.44%	-30.62%	4.26%
Basic Shares Outstanding	2,250	2,250	2,250	2,250	2,250	2,250
Diluted Shares Outstanding	2,250	2,250	2,250	2,250	2,250	2,250
EPS (Basic)	3.74	3.38	2.70	2.06	2.01	2.89
EPS (Diluted)	3.74	3.38	2.70	2.06	2.01	2.89
EPS Growth	19.66%	25.06%	31.52%	2.44%	-30.62%	4.42%
Dividend Per Share	0.680	0.680	0.540	0.410	0.400	-
Dividend Growth	25.93%	25.93%	31.71%	2.50%	-	-
Effective Tax Rate	19.89%	20.05%	19.18%	23.66%	26.05%	7.27%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.