East West Banking Corp. (EastWest) reported a 14-percent increase in its net income in the first nine months of 2025 to P6.6 billion on consistent core revenue generation. The bank’s return on equity (ROE) stood at 11.6 percent.
Total revenues grew by 16 percent year-on-year to P37.3 billion, supported by an 18-percent rise in net interest income to P29.7 billion and fueled largely by the bank’s consumer lending business, which expanded by 17 percent and now constitutes 85 percent of the total loan portfolio. Fee income also saw a robust 27-percent increase to P5.3 billion.
Operating expenses increased at a slower pace of 7 percent to P19.2 billion, attributed to investments in personnel and business expansion. This led to an improved cost-to-income ratio of 51.4 percent, a reduction of 412 basis points, on the back of faster revenue growth, productivity gains and digital efficiencies.
EastWest chief executive Jerry Ngo said the core consumer banking business is thriving, aligning perfectly with the evolving needs of the bank’s customers.
“Our strategic funding initiatives are likewise effectively supporting our growth plans and fortifying our funding structure. These critical components have significantly contributed to our steady revenue generation,” he said.
Ngo said the bank continues to actively manage risks and ensure adequate provisions, which, combined with operational efficiencies, has resulted in robust and sustainable profitability.
EastWest’s total assets rose 11 percent to P552.9 billion, funded by a 12-percent growth in deposits, which reached P415.8 billion.
The bank maintained a high CASA ratio of 81 percent. The priority banking business also contributed to growth, with assets under management surpassing the P100-billion mark.
Capital ratios remain strong, with a capital adequacy ratio (CAR) of 13.6 percent and a CET1 ratio of 12.7 percent, both well above regulatory standards.
The bank also advanced its digital capabilities and retail services. It teamed up with AutoDeal, an online automotive marketplace, to streamline auto financing for car buyers in the Philippines.
EastWest also introduced new features on its EasyWay platform, including Personal Loan and Credit Card applications, digital CASA opening for both Peso and foreign currency deposits, and InstaPay transfers via QR in October.
The bank launched the EastWest BizAccess Visa Debit Card to simplify cash management for its business clients within its SME banking ecosystem.
EastWest has received several recognitions in the third quarter for its governance and management. It received two Golden Arrow citations for sustained good governance and a Philippine Quill Award for excellence in communication.
The People Management Association of the Philippines (PMAP) honored the bank with the People Program of the Year award.
 announced a 14 percent increase in its nine-month net income to P6.6 billion, driven by strong consumer lending, higher fee income, and digital expansion.){kind=link}