East West Bancorp
31 named things its latest annual report says its results depend on, each in the company's own words. 22 of them are also named by other companies we've read.
Customers
Non-depository financial institutions
insures or lends tonamed as a riskA portion of our lending portfolio is made to non-depository financial institutions to fund their lending activities.Risk factors (Item 1A)
Also named by FCNCA
Partners and platforms
Fintech partners
depends onnamed as a riskBank regulators have, and may in the future, hold banks responsible for the activities of these fintech companies, including in respect of BSA/AML and consumer compliance matters, or may take the view that these relationships present safety and soundness issues.Risk factors (Item 1A)
Federal Home Loan Bank of San Francisco
depends onThe Bank may also access both short- and long-term secured credit from the FHLB.Business (Item 1)
Other companies
Commercial real estate loans
insures or lends tonamed as a riskSince many of our loans are secured by real estate, a decline in the real estate markets could impact our business and financial condition.Risk factors (Item 1A)
Also named by KEY
Uninsured deposits above FDIC limits
depends onnamed as a riskDeposits that exceed applicable FDIC insurance limits, and the possibility of the withdrawal of such deposits over a short period of time, pose a liquidity risk and have been a source of instability in the banking system during prior periods of stress.Risk factors (Item 1A)
Places
California
concentrated innamed as a riskIn addition, because our operations and the collateral securing our real estate lending portfolio are primarily concentrated in California, we may be particularly susceptible to adverse economic conditions in California.Risk factors (Item 1A)
Also named by A, AAON, AFRM, ALK, ALLY, AN, ARE, AVAV and 88 more
China
operates innamed as a riskThis license allows the Bank to have branches, make loans and accept deposits in China.Business (Item 1)
Also named by A, AA, AAOI, AAP, AAPL, AB, ADI, AEHR and 261 more
Asia
earns fromnamed as a riskA substantial number of our customers have economic and cultural ties to Asia.Risk factors (Item 1A)
Also named by AAPL, AYI, CART, CB, CDW, CHD, CLS, COHR and 31 more
Hong Kong
operates innamed as a riskThe Bank's international presence includes locations in Hong Kong, China and Singapore.Risk factors (Item 1A)
Also named by CG, DECK, EXPD, LZB, MCO, MPWR, MXL, NVDA and 1 more
California real estate market
concentrated innamed as a riskFor example, the Bank has a concentration of real estate loans in California.Risk factors (Item 1A)
Hazards
California earthquakes and wildfires
concentrated innamed as a riskReal estate values and real estate markets are generally affected by changes in general economic conditions and employment levels, fluctuations in interest rates, the availability of loans to potential purchasers and the availability and demand for types of real property investments, changes in tax laws and other governmental statutes, regulations and policies, and natural disasters, such as wildfires and earthquakes, which are particularly prevalent in California, where a significant portion of our real estate collateral is located.Risk factors (Item 1A)
Commodities and inputs
Regulators
Office of Foreign Assets Control
subject tonamed as a riskA violation of any AML or OFAC-related law or regulation could subject us to significant civil and criminal penalties as well as regulatory enforcement actions, which may include restrictions on our ability to pay dividends and the necessity to obtain regulatory approvals to proceed with certain aspects of our business plan, including any acquisition plans.Risk factors (Item 1A)
Also named by ABNB, ADP, AIG, APP, BMI, BMNR, BPOP, CAT and 46 more
Consumer Financial Protection Bureau
subject toThe Dodd-Frank Act established the CFPB, which has the authority to implement, examine and enforce compliance with federal consumer financial laws that apply to banking institutions with total consolidated assets exceeding $10 billion (such as the Bank) and their affiliates.Business (Item 1)
Also named by ABNB, AFRM, ALLY, AN, AUB, AXP, BAC, CASH and 61 more
Federal Reserve
subject toAs a bank holding company, East West is subject to primary regulation, supervision, and examination by the Federal Reserve under the BHC Act.Business (Item 1)
Also named by AGNC, AUB, AXP, BAC, CASH, COF, DX, EFSC and 24 more
California Department of Financial Protection and Innovation
subject toThe Bank is regulated, supervised, and examined by the Federal Reserve, the California Department of Financial Protection and Innovation (“DFPI”), and, with respect to consumer laws, the Consumer Financial Protection Bureau (“CFPB”).Business (Item 1)
National Financial Regulatory Administration (China)
subject toIn addition, the Bank and its foreign subsidiaries and branches are regulated by the foreign regulatory agencies in the international jurisdictions where we have a presence, including the People’s Bank of China, China’s National Financial Regulatory Administration, the Hong Kong Monetary Authority, the Hong Kong Securities and Futures Commission, and the Monetary Authority of Singapore.Business (Item 1)
Laws and programs
FDIC special assessment
subject to · approximately $70 millionnamed as a riskThe Company recognized the entire initial FDIC special assessment charge (the “FDIC charge”) of approximately $70 million in the fourth quarter of 2023, and recognized additional charges of $9 million in 2024 due to changes in the FDIC’s estimate of the DIF losses.Business (Item 1)
Also named by BPOP, CFG, CFR, CUBI, EFSC, FCNCA, GBCI, HBAN and 10 more
One Big Beautiful Bill Act
subject tonamed as a riskThe OBBBA accelerated the phase‑out of many renewable energy tax credits, including solar and wind-related investment and production tax credits, which could require us to shift our tax credit investment strategy in the future.Risk factors (Item 1A)
Also named by AA, ABR, ADI, ADM, ALB, AMAT, AMGN, AMKR and 121 more
U.S. Foreign Corrupt Practices Act
subject tonamed as a riskIn addition, we face risks that our employees and affiliates may fail to comply with applicable U.S. and foreign laws and regulations governing our international operations, including the U.S. Foreign Corrupt Practices Act and other anti-corruption laws.Risk factors (Item 1A)
Also named by A, ADBE, ADP, AIR, AJG, ALB, AME, AMZN and 112 more
GENIUS Act
subject tonamed as a riskThe enactment of the GENIUS Act in July 2025 has the potential to accelerate stablecoin adoption.Risk factors (Item 1A)
Also named by AUB, C, CFR, COF, COIN, CUBI, FCNCA, FISV and 15 more
Bank Secrecy Act
subject tonamed as a riskWe may provide banking services to customers considered to be higher risk customers, which subjects us to greater enforcement risk under the BSA and requires us to ensure our third-party vendors adhere to the BSA and related regulations.Risk factors (Item 1A)
Also named by AUB, BAC, CASH, CPAY, CUBI, EFSC, EZPW, FISV and 10 more
U.S. tariffs and trade restrictions
subject tonamed as a riskThe imposition of tariffs, retaliatory tariffs, export controls or other trade restrictions on products, materials or other goods that our customers import or export could impact prices, reduce demand, or otherwise negatively impact our customers’ businesses and their ability to service debt.Risk factors (Item 1A)
Basel III Capital Rules
subject tonamed as a riskAs of December 31, 2025, we met the requirements of the Basel III Capital Rules, including the capital conservation buffer.Risk factors (Item 1A)
DOJ rule implementing Executive Order 14117
subject tonamed as a riskThe list of countries of concern includes, among others, the People’s Republic of China, including Hong Kong and Macau.Business (Item 1)
Affordable housing and renewable energy tax credits
subject tonamed as a riskWe invest in certain tax-advantaged investments that support qualified affordable housing projects, community development, and renewable energy resources.Risk factors (Item 1A)
Community Reinvestment Act
subject toThe Bank received a rating of “Outstanding” in its most recent performance evaluation, which was conducted as of August 12, 2024 using the CRA framework that existed prior to the October 2023 final rule.Business (Item 1)
Also named by ALLY, AMP, AUB, CFG, CFR, EFSC, FCNCA, FHN and 20 more
China Personal Information Protection Law
subject toThe Bank’s subsidiary, EWCN, operates under China’s privacy, cybersecurity, and data security regulatory framework, which includes the Personal Information Protection Law, the Cybersecurity Law as amended effective January 1, 2026, the Data Security Law, and the Network Data Security Management Regulation that was effective January 1, 2025.Business (Item 1)
Also named by ADSK, BSX, DCI, FBIN, GTLB, IDCC, KVUE, SBUX and 2 more
California SB 253 and SB 261
subject toThe Company is a reporting entity under both SB 253 and SB 261 and has engaged a third-party firm to support compliance with these laws.Business (Item 1)
California SB 132
subject toIn June 2025, California enacted Senate Bill No. 132 (“SB 132”), requiring banks and financial institutions to adopt a single sales factor for income apportionment, effective for tax years beginning on or after January 1, 2025.Business (Item 1)