East West Bancorp, Inc.

Good afternoon and welcome to the East-West Bancorp Second Quarter 2025 Earnings Conference Call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on your telephone keypad. To withdraw your question, please press star, then two. Please note, this event is being recorded. I would now like to turn the conference over to Adrienne Atkinson, Director of Investor Relations. Please go ahead.

Thank you, Operator. Good afternoon, and thank you, everyone, for joining us to review EastWest Bank Corp's second quarter 2025 financial results. With me are Dominic Ng, Chairman and Chief Executive Officer, Chris DelMoral-Niles, Chief Financial Officer, and Irene Oh, Chief Risk Officer. This call is being recorded and will be available for replay on our Investor Relations website. The slide deck referenced during this call is available on our Investor Relations site. Management may make projections or other forward-looking statements which may differ materially from the actual results due to a number of risks and uncertainties. Management may discuss non-GAAP financial measures. For a more detailed description of the risk factors and a reconciliation of GAAP to non-GAAP financial measures, please refer to our filings with the Securities and Exchange Commission, including the Form 8-K filed today. I will now turn the call over to Dominic.

Thank you, Adrienne. Good afternoon, and thank you for joining us for our second quarter earnings call. I'm pleased to report strong second quarter results We continued to grow the bank and reported record quarterly revenue and net interest income. Both loan and deposit growth was solid, with average growth up 2% quarter over quarter in each. Our relationship-driven model continued to support consumer and commercial growth on both sides of the balance sheet. This growth and another quarter of solid fee income fueled a 16.7% adjusted return on tangible common equity and a 1.6% return on average assets. Asset quality has remained resilient and credit is performing as expected. Both criticized and non-performing loans decreased from the end of first quarter. We continue to focus on using our capital to support customers and capitalize on any market opportunities that arise. With approximately 10% tangible common equity, we are operating from a position of strength. Lastly, I am pleased to announce that East West Bank has once again been ranked by Bank Director Magazine as the number one performing bank above 50 billions in assets. This is the third consecutive year we have earned a top spot and it's our fourth title in the past five years. This achievement is a testament to the steady execution of our associates and our ongoing customer focus. I will now turn the call over to Chris to provide more details on our second quarter financial performance.