Company Profile and Investment Overview East West Bancorp | Nasdaq: EWBC December 31, 2013

Safe Harbor Statement

This presentation may include forward-looking statements that involve

inherent risks and uncertainties. East West Bancorp, Inc. cautions

readers that a number of important factors could cause actual results to

differ materially from those in any forward-looking statements. These

factors include economic conditions and competition in the geographic

and business areas in which East West Bancorp and its subsidiaries

operate, inflation or deflation, fluctuation in interest rates, legislation and

governmental regulations, investigation of acquired banks and other

factors discussed in the company’s filings with the SEC.

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Our Vision To be recognized as the Premier Bridge between East and West, and acknowledged for delivering relationship driven financial solutions to an increasingly diverse and sophisticated customer base.

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East West Today (as of December 31, 2013)

• Market Capitalization of $4.8 Billion › 22st Largest Market Capitalization in the U.S. for Public Banks

• Total Assets of $24.7 Billion* › 26th Largest Total Assets in the U.S. for Public Banks › 2nd Largest Independent Bank Headquartered in Southern California

• Ranked in the Top 10 of the 100 Best Banks in America by Forbes for four consecutive years (2010-2013)

• Strong Earnings › Net Income of $295.0 million for 2013 › ROE of 12.65% for Q4 2013

• Over 120 Locations Worldwide*

• Full Service Branches in Greater China

• 2,400 Employees

* As of the close of the MetroCorp Bancshares, Inc. acquisition on January 17, 2014, East West has $26.0 billion in total assets and over 130 locations.

September 2013 – December 2013

2013 2000-2007

2009

1995

1998-1999

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1973

1980s/1990s

First S&L serving Chinese-American market in Southern California

Expansion of branch network in California

Converted to a state chartered commercial bank

Initiated management led buyout and trading on Nasdaq

Complemented organic growth with acquisition activities

With the $9.9B acquisition of United Commercial Bank, reached $20 Billion in total assets and became one of the 30 largest banks in the U.S.

Announced a definitive agreement to acquire MetroCorp Bancshares, Inc., a $1.6 Billion bank headquartered in Houston, TX and received all regulatory and shareholder approval of the acquisition

East West Bank Milestones

2013 marks the 40th anniversary of East West. The Bank is well-positioned to continue to grow our market share and profitability

Strong Growth and Performance

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Total Assets (in billions) Total Loans (in billions)

Deposits (in billions) Stockholders' Equity (in billions)

* CAGR from 2003 – 2013

CAGR* = 20% CAGR* = 19%

CAGR* = 20% CAGR* = 21%

$4.1 $6.0

$8.3

$10.8 $11.9 $12.4

$20.6 $20.7 $22.0 $22.5

$24.7

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

$3.2

$5.1

$6.7

$8.3 $8.8 $8.2

$14.1 $13.7 $14.5 $15.1

$18.1

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

$3.3 $4.5

$6.3 $7.2 $7.3

$8.1

$15.0 $15.6 $17.5

$18.3

$20.4

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

$0.4 $0.5

$0.7

$1.0 $1.2

$1.6

$2.3 $2.1

$2.3 $2.4 $2.4

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

Top 25 Banks by Market Capitalization

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Source: SNL Financial (includes all publicly traded banks)

Rank Company

Market Capitalization at 12/31/13 (in billions) Rank Company

Market Capitalization at 12/31/13 (in billions)

1 Wells Fargo & Company $239.15 14 Northern Trust Corporation $14.79

2 JPMorgan Chase & Co. 219.84 15 Regions Financial Corporation 13.62

3 Bank of America Corporation 166.07 16 KeyCorp 12.03

4 Citigroup Inc. 158.05 17 Comerica Incorporated 8.70

5 U.S. Bancorp 73.78 18 Huntington Bancshares Incorpora 8.02

6 Capital One Financial Corporatio 44.17 19 First Republic Bank 6.93

7 PNC Financial Services Group, In 41.28 20 Zions Bancorporation 5.53

8 Bank of New York Mellon Corpora 39.78 21 Signature Bank 5.08

9 State Street Corporation 32.22 22 East West Bancorp, Inc. 4.82

10 BB&T Corporation 26.31 23 BOK Financial Corporation 4.79

11 SunTrust Banks, Inc. 19.73 24 SVB Financial Group 4.56

12 Fifth Third Bancorp 18.57 25 Cullen/Frost Bankers, Inc. $4.50

13 M&T Bank Corporation 15.16

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East West Book Value Growth December 2011 to December 2013

East West has grown book value per common share by 15% since 2011 and increased 5% from 2012

East West Capital Levels Compared to Well Capitalized Guidelines

East West has excess capital above the well capitalized requirement by more than $600 million

Strong Capital Generation

$14.92

$16.39

$17.18

$13.50

$14.50

$15.50

$16.50

$17.50

12/31/2011 12/31/2012 12/31/2013

12/31/2011 12/31/2012 12/31/2013

5.0%6.0%

10.0%8.6%

11.9%

13.5%

0.0%

5.0%

10.0%

15.0%

Tier 1 Leverage Capital Ratio

Tier 1 Risk-Based Capital Ratio

Total Risk-Based Capital Ratio

Well Capitalized East West 12/31/2013

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Active Capital Management

Capital Management Goals › Ensure excellent capital levels to support organic growth › Provide a strong return to our shareholders

Recent Capital Actions Taken 2012

Doubled annual dividend from $0.20 to $0.40 per share Repurchased 9.1 million shares of common stock at $200.0 million, under the 2012 authorized stock repurchase program Paid off $75.0 million of subordinated debt which carried an effective interest rate of 1.6%

2010 2011

Increased annual dividend from $0.04 to $0.20 per share Called or bought back $23.4 million of junior subordinated debt which carried rates over 10%

Repaid $306.5 million of TARP preferred stock

2013

Increased dividend 50% to $0.60 per share. Repurchased 8.0 million shares at a total cost of $200.0 million, under the January 2013 authorized stock repurchase program. Announced additional $100.0 million stock repurchase program in July 2013.

2014

Announced dividend increase of 20% to $0.72 per share.

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United States (111 Branches) California – 94 Branches:

Northern California – 30 Locations:

› 28 Full Service Branches

› 2 In-Store 99 Ranch Market Branches

Southern California – 64 Locations:

› 54 Full Service Branches

› 10 In-Store 99 Ranch Market Branches

New York – 6 Branches Georgia – 4 Branches Massachusetts – 2 Branches Texas – 1 Branch Washington – 4 Branches

Greater China (7 Locations) Full Service Branches - 3 Hong Kong, Shanghai and Shantou

Representative Offices - 4 Beijing, Guangzhou, Shenzhen, and Taipei

Our Distribution Channel

As of December 31, 2013 • Leading retail presence in Asian communities • Commercial banking centers strategically located • In-store branches located in 99 Ranch Markets, largest and fastest growing Asian supermarket chain • Only Chinese-American focused bank with full service banking offices in U.S. and China

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Making the U.S. – Greater China Connection

• Headquartered in California, East West Bank is a top performing commercial bank with exclusive focus on the United States and Greater China markets, including full service branches in China.

• Greater China is an increasingly important constituent of the global economy

› Increasing Chinese foreign direct investment in the U.S. › Cross-border trade between U.S. and Greater China companies

• Bank of choice for new immigrant Chinese-Americans

• The financial bridge between the East and West › Leading market share in the Chinese-American market – The East › Growing position in key mainstream banking markets – The West › Strengthening network to support cross border business – The East and West

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The Premier Bridge Between East and West

• Extensive network of contacts and resources in the area provides invaluable access to clients

› Assist clients in cross-border business and personal financial objectives › Bridge customers to manufacturers, distributors and investors in China › Bridge customers in China to business opportunities and personal goals in the U.S.

• Understanding of cultural and business practices on both sides of the Pacific enables us to guide clients through complex business and financial landscapes

• Gateway to U.S. Asian communities for mainstream corporations

› Companies and organizations such as Southern California Edison, Caltech, Sempra Energy, the LA Lakers and the Houston Rockets sought East West to tap into U.S. Asian communities and partner in “Green” initiatives

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• Strong Earnings › Net Income was $75.8 million or $0.55 per share › EPS up 11% from fourth quarter 2012

• Strong ROE and ROA › ROE increased to 12.65% up from 12.26% in fourth quarter 2012 › ROA remains steady at 1.21% compared to 1.28% in fourth quarter 2012

• Solid Net Interest Margin of 3.41% • Cost of Deposits Down 9bps from fourth quarter 2012 to 0.31% • Strong Expense Control with Efficiency Ratio of 47.69% • Strong Loan Growth (including covered and non-covered)

› Commercial & Trade Finance loans grew to $5.8 billion › Single family loans grew to $3.5 billion

• Core Deposits Grew to a record $14.6 billion • Strengthening Asset Quality

› Nonperforming loans remain low at 0.62% of total loans › Nonperforming assets remain low at 0.53% of total assets › Maintaining strong allowance for loan losses on non-covered loans of 1.54% as of

December 31, 2013

Fourth Quarter 2013 Highlights

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Strong Loan Growth

• Strong total loan growth of $3.01 billion or 20% from December 31, 2012

Diversified Loan Portfolio

C&I29%

Const & Land2%

CRE24%

MFR5%

SFR18%

Consumer9%

Loans HFS1% Covered

12%

(in billions) 12/31/12 to 12/31/2013

Loan Category 12/31/2013 12/31/12 12/31/11 $ %SFR 3.19 2.19 1.80 1.00 46%C&I & Trade Finance 5.36 4.23 3.14 1.13 27%CRE 4.30 3.64 3.49 0.66 18%MFR 0.99 0.90 0.93 0.09 10%Consumer 1.55 0.75 0.59 0.80 107%Const & Land 0.29 0.25 0.34 0.04 16%

Noncovered 15.68 11.96 10.29 3.72 31%

Covered 2.20 2.94 3.93 -0.74 -25%Loans Held for Sale 0.20 0.17 0.28 0.03 18%

Total Loans 18.08 15.07 14.50 3.01 20%

Change From

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Strong Credit Quality

• Asset quality continues to remain strong • NPAs have remained under 1% of total assets for the third consecutive year • Net Charge-offs continue to decline while ALLL level remains strong

* Excludes covered loans

Credit Quality($ in millions) 12/31/13 09/30/13 06/30/13 03/31/13 12/31/12

NPAs

Total NPAs $130.6 $124.1 $133.5 $159.5 $141.0

NPA to Total Assets 0.53% 0.51% 0.57% 0.69% 0.63%

Nonaccrual loans to total loans 0.62% 0.60% 0.69% 0.83% 0.72%

Allowance for Loan Losses

ALLL to non-covered nonaccrual loans 216.68% 225.48% 208.41% 179.92% 212.18%

ALLL to total gross non-covered loans* 1.54% 1.60% 1.73% 1.85% 1.92%

Credit Costs

Quarterly Annualized Charge-off %* (0.03%) 0.01% 0.12% 0.02% 0.33%Quarterly Provision for Loan Losses on

Non-covered Loans $6.29 $4.53 $8.28 ($0.76) $13.77

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Diversified Commercial Real Estate Portfolio

* Based on original appraisal

Non-covered CRE Loans as of 12/31/13Loan Balance $4.3 Billion

Average Loan Size $1.7 Million

Average LTV *54%

Hotel/Motel11%

Industrial15%

Other7%

Medical5%

Shopping Centers

13%

Small Commercial

Retail12%

Office14%

Mixed Use15%

Mfr/Warehouse6%

Restaurant2%

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Commercial Real Estate Portfolio

• Non-covered CRE loans total 24% of loans as of December 31, 2013

• East West is well within the FFIEC high CRE concentration definition › CRE, construction, land, and MFR to total capital is at 194% − under the 300%

FFIEC threshold › Construction and land loans to total capital is at 12% − under the 100% FFIEC

threshold

• As of December 31, 2013: › Nonaccrual CRE to CRE = 0.90% › 30-89 day delinquent CRE to CRE = 0.37%

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Commercial Real Estate Loans by LTV

• Only 6% of portfolio with an LTV greater than 75% • Weighted average LTV is 54%*

* Based on original appraisal

($ in millions)

CLTV Distribution at December 31, 2013 # of Loans Balance % of Total Cumulative % of TotalLess than 50% 1,271 1,593$ 37% 37%50% to 55% 331 501 12% 49%55% to 60% 376 727 16% 65%60% to 65% 307 615 14% 79%65% to 70% 167 426 10% 89%70% to 75% 63 202 5% 94%75% and Above 81 237 6% 100%Total Loans 2,596 4,301$ 100%

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Strong Deposit Growth

• Total deposits of $20.4 billion as of December 31, 2013, an increase of $2.1 billion from December 31, 2012

• Core deposits grew to a record $14.6 billion in the fourth quarter of 2013

(in billions) Core Deposits – December 31, 2013

(in billions)

$17.5 $18.3

$20.4

$10.4 $12.2

$14.6

$7.1 $6.1

$5.8

$-

$3.0

$6.0

$9.0

$12.0

$15.0

$18.0

$21.0

12/31/11 12/31/12 12/31/13

Core Deposits Time Deposits

Now$1.8 12%

Savings$1.6 11%

Money Market

$5.4 37%

DDA$5.8 40%

Build fee-based business lines, i.e. F/X,

wealth management and cash management

Maintain solid net interest income and net interest margin

Grow core deposits and improve deposit

mix

Maintain low NPA/total assets and total

delinquency ratios

Increase profitability and expand market

footprint

Remain disciplined on expense management

Actively manage capital to deliver long

term shareholder value

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2014 and beyond

Key Focus Areas

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Summary

• Strengthened position as the leading Asian-American bank

• Financially bridge Asian and mainstream customers

• Strong financial performance and balance sheet

• Focusing on growing core earnings and fee income

• Large California, domestic, and China growth opportunities

• Only Asian-American focused bank with full service banking

offices in U.S. and China