EastWest Bank nets P4.1B in H1 as consumer lending and fees drive gains

August 1, 2025
5:06PM PHT

The Gotianun family led East West Banking Corp. grew its net income to P4.1 billion in the first half of 2025, up 19 percent year-on-year, as strong demand for loans and banking services drove revenue.

Total revenues climbed 17 percent to P23.8 billion, led by net interest income of P19.2 billion, fueled by a 15 percent rise in consumer loans, which now make up 84 percent of EastWest’s loan book. Return on equity stood at 11.1 percent.

Management’s view 

“Our core consumer banking businesses are performing well, growing in line with the needs of our customers,” said EastWest CEO Jerry G. Ngo.

“Our funding initiatives are likewise supporting our funding structure and growth plans. These are key components of our performance that have led to our steady core income improvement, which combined with operational efficiencies pushed our profitability,” he added. 

Digital, customer-first approach

EastWest also benefited from a 29 percent jump in fee income to P3.5 billion, while keeping cost growth in check. 

Operating expenses rose just 9 percent, pushing its cost-to-income ratio down to 53.2 percent.

The bank also enhanced client experience through the EasyWay App, store transformations, lifestyle events, and new credit card partnerships. 

With assets up 8 percent to P537.6 billion and deposits growing 11 percent to P412.6 billion, EastWest capped the first half with multiple industry awards and regulatory recognition.

—Edited by Miguel R. Camus 

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