East West Banking Corporation (EastWest) posted a net income of P6.6 billion in the first nine months of 2025, driven by strong core revenue growth. The figure represents a 14 percent increase year-on-year, with the bank’s return on equity reaching 11.6 percent.

Total revenues rose 16 percent to P37.3 billion, fueled largely by an 18 percent increase in net interest income to P29.7 billion. The growth was supported by the bank’s expanding consumer lending portfolio, which grew 17 percent and now accounts for 85 percent of EastWest’s total loan portfolio. Fee-based income also contributed positively, climbing 27 percent to P5.3 billion.

Operating expenses increased 7 percent to P19.2 billion, allowing EastWest’s cost-to-income ratio to improve by 412 basis points to 51.4 percent. The improvement was attributed to faster revenue growth, productivity gains, and continued digital efficiencies.

The bank’s total assets reached P552.9 billion, up 11 percent from the previous year, mainly driven by a 12 percent rise in deposits to P415.8 billion. EastWest maintained a strong current and savings account (CASA) ratio of 81 percent.

“Our core consumer banking business is thriving, aligning perfectly with the evolving needs of our 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,” said EastWest CEO Jerry G. Ngo. “At the same time, we continue to manage risks actively and ensure that provisions are adequate. Combined with our operational efficiencies, these have resulted in robust and sustainable profitability.”