East West Bancorp, Inc.

Good day and welcome to the East West Bancorp's fourth quarter 2025 earnings call. All participants will be in a listen-only mode. Should you need assistance, please single 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 a touch-tone phone. 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 Bancorp's fourth quarter and full year 2025 financial results. With me are Dominic Ng, Chairman and Chief Executive Officer, Christelle Morrell-Niles, Chief Financial Officer, and Irene Oh, our Chief Risk Officer. This call is being recorded and will be available for replay on our investor relations website. The slide deck reference 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 the 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.

Dominic Rao Thank you, Adrienne. 2025 was another record-breaking year for EastWest. Our highlights include new full-year record levels for multiple categories, including revenue, net interest income, fees, non-interest income, earnings per share, loans, and deposits. Again, every one of the above-mentioned categories reached record level. The strength of our financial results reflects how our business model is designed to deliver meaningful values to clients, especially during periods of uncertainty when our ability to navigate challenging landscapes matters most. We grew end-of-period deposit by 6 percent year-over-year with significant traction in both non-interest bearing and time deposits. We also grew end-of-period loans by 6 percent with growth in CNI and residential mortgage lending leading the way. 2025 was also another consecutive year of record fee income driven in part by consistent sales execution across all of our fee-based businesses. This balance sheet growth, combined with our fee income growth and ability to grow our customer base, have collectively strengthened the durability of our business model and delivered substantial returns for shareholders. As a result, in 2025, We reported tangible book value per share growth of 17 percent and generated a 17 percent return on tangible common equity. I'm also pleased to announce our board declared a 20-cent increase to the quarterly dividend up to 80 cents per share, or 33 percent. We remain committed to disciplined capital management and the delivery of top-tier returns for shareholders via prudent growth, moving efficiency, and robust risk management. Now, let me turn it to Chris for more details on the balance sheet and income statement.