EastWest earnings reach all-time high P9.2 billion in 2025
East West Banking Corp. (EastWest) reported a record net income of P9.2 billion in 2025. This topped its previous all-time high and marked the bank’s best earnings year yet.
The latest full-year result rose 21 percent from EastWest’s previous record profit of P7.6 billion in 2024. This was driven by stronger core revenues, higher fee income and improved efficiency.
EastWest’s return on equity logged at 11.9 percent, reflecting improved profitability during the year.
Total revenues rose 20 percent year-on-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, underscoring the bank’s growing non-interest income base.
EastWest president Jacqueline Fernandez said the bank’s 2025 performance demonstrated its ability to grow efficiently amid competitive conditions.
“We strengthened revenue generation across businesses, supported by resilient asset growth and improved fee momentum,” Fernandez said.
Operating expenses increased by 8 percent to P25.4 billion. This was largely due to volume-related costs and continued investments in people and technology.
Despite this, pre-provision operating profit surged 33 percent to P25.5 billion, highlighting improved operating leverage.
The cost-to-income ratio improved to 49.7 percent from 55.2 percent in 2024.
Provisions for credit losses amounted to P14.2 billion, aligned with the bank’s prudent risk posture. Nonperforming loan coverage stood at 86 percent.
Total assets expanded 10 percent to P577.1 billion. Deposits grew 13 percent to P437.8 billion.
Current and savings accounts (CASA) comprised 82 percent of total deposits, supported by a 14-percent rise in CASA balances.
Assets under management in Priority Banking also increased 40 percent to surpass P100 billion.
Capital buffers remained sound, with capital adequacy ratio at 13.5 percent and Common Equity Tier 1 ratio at 12.6 percent. Both are above regulatory thresholds.
EastWest also continued investing in digital initiatives through its EasyWay ecosystem.
Digital penetration reached 51 percent, while the EasyWay app maintained high customer ratings of 4.9 on iOS and 4.8 on Google Play.
EastWest said it is entering 2026 with strong momentum, supported by continued investments in digital transformation, customer experience and risk management to sustain growth.
