East West Banking Corp. reported a 2025 net income of P9.2 billion, up 21 percent from the previous year, driven by stronger core revenues, double-digit fee growth and tighter cost management.
Return on equity stood at 11.9 percent.
Total revenues rose 20 percent year over year to P51 billion. Net interest income increased to P40.6 billion as interest-earning assets expanded 13 percent. Fee income climbed 21 percent to P7.1 billion, reflecting a higher non-interest revenue contribution.
“Our 2025 performance demonstrates the bank’s ability to grow efficiently amidst a competitive environment and evolving market conditions,” EastWest president Jackie Fernandez said. “We strengthened revenue generation across businesses, supported by resilient asset growth and improved fee momentum.”
Operating expenses increased 8 percent to P25.4 billion due to volume-related costs and continued investments in people and technology. Pre-provision operating profit rose 33 percent to P25.5 billion.
The bank’s cost-to-income ratio improved to 49.7 percent from 55.2 percent in 2024.
Provisions for credit losses reached P14.2 billion, while nonperforming loan coverage stood at 86 percent.
“Our prudent provisioning strategy ensures the bank remains well-positioned against macroeconomic uncertainties,” EastWest chief executive Jerry Ngo said. “Even with these added buffers, we delivered solid profitability and improved returns.”
Total assets grew 10 percent to P577.1 billion. Deposits increased 13 percent to P437.8 billion, with current and savings account deposits rising 14 percent. Assets under management in the bank’s priority banking segment surged 40 percent to more than P100 billion.
“We enter 2026 with strong momentum,” Ngo said. “Our continued investments in digital transformation, customer experience and risk management will reinforce EastWest’s competitiveness and position us for sustained growth this year.”
