How do you interpret consumerand business banking — interest spread on funds provided?

An increase reflects improved efficiency in deposit gathering or a favorable interest rate environment for deposit-heavy segments.

East-West Bancorp EWBC Consumerand Business Banking — Interest Spread On Funds Provided

Discontinued — last reported Q1 '19

Similar metrics at other companies

VLYConsumer Banking — Net interest margin

2.6%+0.4pp

WBSConsumer Banking — Net Interest Income

$208.32M+3.1%

WALConsumer Related Segment — Net Interest Income

$484.6M+21.4%

CBSHConsumer segment — Net Interest Income

$126.61M-1.8%

VLYConsumer Banking — Net Interest Income

$73.08M+28.2%

USBConsumer and Business Banking — Net interest income (taxable-equivalent basis)

$1.8B+1.9%

Other financials

Income statement

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Revenue$773.7M+11.8%

Net income$357.8M+23.3%

EPS (diluted)$2.57+23.6%

Balance sheet

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Cash & equivalents$4.4B+28.7%

Total debt$184.3M+49.8%

Total equity$9.0B+13.5%

Total assets$82.9B+8.8%

Cash flow

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Operating cash flow$428.6M+54.2%

CapEx$99.0M+3,852%

Free cash flow$329.6M+19.7%

Valuation

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Market cap$17.37B+18.2%

Enterprise value$13.12B+14.7%

P/E12.5×-0.1×

P/S5.8×+0.2×

Profitability

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Net margin46.2%+2.2pp

FCF margin58%—

Returns & leverage

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Return on equity16.5%+0.8pp

Debt / equity0×0.0×

Where this comes from

Reported directly by East-West Bancorp in its filing.

Tagged under the XBRL concept ewbc:InterestSpreadOnFundsProvided.

The official record: East-West Bancorp’s 10-Q, filed May 8, 2019, on SEC EDGAR. View the filing →

Questions, answered.

What does consumerand business banking — interest spread on funds provided mean?: The net margin earned by the segment on the deposits it gathers for the bank.
How do you interpret consumerand business banking — interest spread on funds provided?: An increase reflects improved efficiency in deposit gathering or a favorable interest rate environment for deposit-heavy segments.
How does consumerand business banking — interest spread on funds provided compare across companies?: Comparable to net interest spread on deposits at other commercial banks.