MANILA, Philippines — East West Banking Corp. (EastWest) has reached a new financial milestone, reporting an all-time high net income of ₱9.2 billion for the full year 2025. This represents a 21% increase from its previous record of ₱7.6 billion in 2024.
The Gotianun-led bank credited the historic performance to robust growth in core revenues, a surge in fee-based income, and significant improvements in operational efficiency.
Key Financial Highlights:
- Total Revenues: Surged by 20% to ₱51 billion.
- Net Interest Income: Rose to ₱40.6 billion, supported by a 13% expansion in interest-earning assets.
- Profitability Metrics: Return on Equity (ROE) stood at 11.9%, while the cost-to-income ratio improved remarkably to 49.7% (down from 55.2% the previous year).
- Asset Growth: Total assets grew by 10% to ₱577.1 billion, while deposits rose 13% to ₱437.8 billion.
- High-Quality Deposits: Current and Savings Accounts (CASA) comprised 82% of total deposits.
Digital Transformation and Priority Banking
EastWest President Jacqueline Fernandez highlighted the bank’s efficient growth and digital momentum. The bank’s “EasyWay” digital ecosystem saw a 51% penetration rate, while its mobile app maintained top-tier ratings on both iOS and Android platforms.
Additionally, the bank’s Priority Banking segment saw a 40% jump in assets under management, surpassing the ₱100-billion mark. Despite an 8% increase in operating expenses (₱25.4 billion) due to investments in technology and personnel, pre-provision operating profit jumped 33% to ₱25.5 billion.
Future Outlook
The bank remains well-capitalized with a Capital Adequacy Ratio (CAR) of 13.5%, comfortably above regulatory requirements. EastWest enters 2026 with strong momentum, focusing on sustaining growth through continued digital transformation, enhanced customer experience, and prudent risk management.