East West Bancorp, Inc.

Good afternoon and welcome to East West Bancorp's third quarter 2026 earnings call. All participants will be in a listen-only mode. Should you need assistance, please email 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 East West Bancorp's third quarter 2026 financial results. With me are Dominic Ng, Chairman and Chief Executive Officer, Chris Del Moral-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 welcome to all who have joined the call. This was delivered another quarter of strong performance, gathering, generating record revenue, record net interest income, record pre-tax, pre-provision income, and record diluted earnings per share. These results reflect the value of our customers' relationships, the resilience of our business model. Deposits reached new record levels with over $1.4 billion of net deposit growth and nice inflows of money market deposits. Deposit growth continued to be a key driver of our performance. We reduced our average deposit cost in the third quarter by two basis points, even as we grew balances to record levels. Deposit costs have been well controlled in the first two weeks of the fourth quarter. Loans also hit records this quarter with prudent growth led by residential and multifamily lending. This balance sheet growth contributed to record net interest income. Net interest income is up 9.5% year-over-year for the nine months through September, which leads us to raise our full-year guidance today. Just as importantly, asset quality remained solid. Charge-offs, non-performing assets, and criticized loans remained well-controlled and within our expectations reflecting the quality of our portfolio and our disciplined approach to risk management. Given our lower-than-expected year-to-date net charge-offs, we are also updating our net charge-off guidance lower for the year. This was continuous to operate from a position of strength, diversified business model, conservatively managed balance sheet, industry-leading profitability, allow us to deliver an over 17% return on average tangible common equity while maintaining a greater than 10% tangible common equity ratio. With that, let me turn the call over to Chris for a more detailed review of our financial results. Chris?