EastWest Banking Corporation (EastWest) sustained its growth momentum in 2025, posting a net income of P6.6 billion in the first nine months—up 14% from the same period last year—driven by solid core revenue performance and disciplined cost management. The Bank’s return on equity (ROE) stood at 11.6%, reflecting efficient capital deployment and consistent profitability.
Total revenues climbed 16% year-on-year to P37.3 billion, anchored on an 18% increase in net interest income to P29.7 billion, fueled primarily by the robust expansion of its consumer lending portfolio, which grew 17% and now accounts for 85% of total loans. Fee income likewise surged by 27% to P5.3 billion, highlighting the strength of EastWest’s diversified income streams.
Operating expenses rose moderately by 7% to P19.2 billion, outpaced by revenue growth and supported by productivity gains and digital efficiencies. The Bank’s cost-to-income ratio improved by 412 basis points to 51.4%, demonstrating its success in managing costs while investing in people and business expansion.
EastWest continued to strengthen its retail and digital footprint. Its recent partnership with AutoDeal, an online automotive marketplace, allows car buyers to conveniently access auto loan options directly through the platform—simplifying and digitizing the financing experience. Meanwhile, enhancements to its EasyWay platform now enable customers to apply for personal loans and credit cards, open peso and foreign currency deposit accounts, and make InstaPay transfers via QR. For entrepreneurs, EastWest rolled out the BizAccess Visa Debit Card, designed to streamline cash management and empower SMEs.
The Bank’s total assets grew 11% to P552.9 billion, backed by a 12% rise in deposits to P415.8 billion, maintaining a high CASA ratio of 81%. Its priority banking arm also recorded milestone growth, with assets under management surpassing P100 billion. EastWest’s balance sheet remains strong, with a Capital Adequacy Ratio (CAR) of 13.6% and a Common Equity Tier 1 (CET1) ratio of 12.7%, both well above regulatory requirements.
“Our core consumer banking business continues to thrive in step with the evolving needs of our customers,” said EastWest CEO Jerry G. Ngo. “Strategic funding initiatives, active risk management, and operational efficiencies have all contributed to sustainable profitability and a stronger foundation for future growth.”
Recognized for its excellence beyond financial performance, EastWest earned multiple awards this year, including two Golden Arrow citations from the Institute of Corporate Directors for good governance, a Philippine Quill Award for communication excellence, and the People Program of the Year from the People Management Association of the Philippines. Its Trust and Asset Management Group was named Best Emerging New Equity Fund Manager at the International Finance Awards 2025, while its Priority Banking division received the Best Priority Banking Experience award for the third consecutive year.