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East West Bancorp Reports Net Income for First Quarter 2019 of $164 Million and Diluted Earnings Per Share of $1.12, Increases Quarterly Dividend by 20%

PASADENA, Calif.–(BUSINESS WIRE)–East West Bancorp, Inc. (“East West” or the “Company”) (Nasdaq: EWBC),
parent company of East West Bank, the financial bridge between the
United States and Greater China, today reported its financial results
for the first quarter of 2019. For the first quarter of 2019, net income
was $164.0 million or $1.12 per diluted share. First quarter 2019 return
on average assets was 1.63% and return on average equity was 14.7%.

“We started off the year with solid balance sheet growth. Our total
assets reached a record $42.1 billion. Total loans grew $478 million, or
6% annualized, to a record $32.9 billion from $32.4 billion as of
December 31, 2018,” stated Dominic Ng, Chairman and Chief Executive
Officer of East West. “Total deposits grew $834 million, or 10%
annualized, to a record $36.3 billion from $35.4 billion at the end of
2018.”

“Our first quarter 2019 net interest margin, excluding the impact of
accretion, was 3.77%1, a quarter-over-quarter increase of
four basis points from 3.73%, and a year-over-year increase of 10 basis
points from 3.67%,” continued Ng.

“Our balance sheet growth, the profitability of our business, and our
capital levels are strong. As of March 31, 2019, our tangible equity to
tangible assets ratio2 was 9.9%, an increase of 16 basis
points quarter-over-quarter. I am pleased to announce that East West’s
Board of Directors approved a 20% increase to the quarterly common stock
dividend. Our quarterly dividend will increase to $0.275 per share, up
from $0.23 per share. We are optimistic about the year ahead, and look
forward to delivering another year of strong returns for our
shareholders,” concluded Ng.

__________________________________

1

  See reconciliation of GAAP to non-GAAP financial measures in Table
12.

2

See reconciliation of GAAP to non-GAAP financial measures in Table
13.

 

HIGHLIGHTS OF RESULTS

  • First Quarter Earnings – First quarter net income was $164.0
    million and diluted earnings per share (“EPS”) were $1.12, compared to
    fourth quarter 2018 net income of $173.0 million and diluted EPS of
    $1.18. Excluding an impairment charge in the first quarter, adjusted3
    first quarter net income was $168.9 million and adjusted3
    diluted EPS were $1.16.

    During the first quarter, the
    Company recorded an impairment charge related to certain tax credit
    investments. Included in amortization of tax credit and other
    investments, this impairment charge reduced net income by $7.0 million
    before tax and $4.9 million after tax, impacting EPS by $0.04.

  • Dividend Increase – Second quarter 2019 common stock
    dividend has increased by 20%, or 4.5 cents per share. The new
    quarterly dividend will be $0.275, up from $0.23 per share. At the new
    rate, the annualized dividend will be $1.10, compared to the previous
    annualized rate of $0.92 per share.
  • Net Interest Income and Net Interest Margin – First quarter
    2019 net interest income (“NII”) was $362.5 million, compared to
    $369.4 million in the fourth quarter of 2018. Excluding the impact of
    ASC 310-30 discount accretion income, first quarter 2019 adjusted4
    NII was $360.3 million, compared to $363.6 million in the previous
    quarter. First quarter 2019 net interest margin (“NIM”) of 3.79% was
    unchanged linked quarter. Excluding the impact of ASC 310-30 discount
    accretion, adjusted4 NIM of 3.77% expanded by four basis
    points linked quarter from 3.73% in the fourth quarter of 2018.
  • Record Loans – Total loans of $32.9 billion as of March 31,
    2019 were up $477.8 million, or 6% linked quarter annualized, from
    $32.4 billion as of December 31, 2018. Total loans grew by $3.3
    billion or 11% year-over-year.
  • Record Deposits – Total deposits of $36.3 billion as of March
    31, 2019 were up $834.3 million, or 10% linked quarter annualized,
    from $35.4 billion as of December 31, 2018. Total deposits grew by
    $3.7 billion or 11% year-over-year.
  • Asset Quality Metrics – The allowance for loan losses
    was $317.9 million, or 0.97% of loans held-for-investment (“HFI”), as
    of March 31, 2019, compared to 0.96% of loans HFI as of December 31,
    2018, and 1.01% of loans HFI as of March 31, 2018. For the first
    quarter of 2019, net charge-offs were $14.4 million, or annualized
    0.18% of average loans HFI, compared to annualized net charge-offs of
    0.20% of average loans HFI for the previous quarter and 0.14% for the
    year-ago quarter. Non-purchased credit impaired (“Non-PCI”)
    nonperforming assets were $138.0 million, or 0.33% of total assets, as
    of March 31, 2019, compared to 0.23% of total assets as of December
    31, 2018, and 0.35% of total assets as of March 31, 2018.
  • Capital Levels – Capital levels for East West continue to be
    strong. As of March 31, 2019, stockholders’ equity was $4.6 billion,
    or $31.56 per share. Tangible equity5 per common share was
    $28.21 as of March 31, 2019, an increase of 4% linked quarter and 17%
    year-over-year. As of March 31, 2019, the tangible equity to tangible
    assets ratio was 9.9%, the common equity tier 1 (“CET1”) capital ratio
    was 12.4%, and the total risk-based capital ratio was 13.8%.

__________________________________

3

  See reconciliation of GAAP to non-GAAP financial measures in Table
10.

4

See reconciliation of GAAP to non-GAAP financial measures in Table
12.

5

See reconciliation of GAAP to non-GAAP financial measures in Table
13.

 
 

QUARTERLY RESULTS SUMMARY

    Quarter Ended
($ in millions, except per share data and ratios)     March 31,

2019

    December 31,

2018

    March 31,

2018

Net income $ 164.0     $ 173.0     $ 187.0
Adjusted net income (1) $ 168.9 $ 173.0 $ 164.9
Earnings per share (diluted) $ 1.12 $ 1.18 $ 1.28
Adjusted earnings per share (diluted) (1)     $ 1.16       $ 1.18       $ 1.13  
Book value per common share $ 31.56 $ 30.52 $ 27.46
Tangible equity (1) per common share $ 28.21 $ 27.15 $ 24.07
Tangible equity to tangible assets ratio (1)     9.87 %     9.71 %     9.38 %
Return on average assets (2) 1.63 % 1.69 %

 

2.03 %
Return on average equity (2) 14.7 % 15.8 %

 

19.3 %
Return on average tangible equity (1)(2)     16.5 %     18.0 %

 

  22.3 %
Adjusted return on average assets (1)(2) 1.68 % 1.69 %

 

1.79 %
Adjusted return on average equity (1)(2) 15.1 % 15.8 %

 

17.0 %
Adjusted return on average tangible equity (1)(2) 17.0 % 18.0 % 19.7 %
Adjusted pre-tax, pre-provision profitability ratio (1)(2)     2.43 %     2.50 %     2.38 %
Net interest income $ 362.5 $ 369.4 $ 326.7
Adjusted net interest income (1) $ 360.3 $ 363.6 $ 321.5
Net interest margin (2) 3.79 % 3.79 % 3.73 %
Adjusted net interest margin (1)(2)     3.77 %     3.73 %     3.67 %
Average loan yield (2) 5.30 % 5.22 % 4.69 %
Adjusted average loan yield (1)(2) 5.27 % 5.14 % 4.61 %
Cost of deposits (2)     1.07 %     0.90 %     0.49 %
Efficiency ratio 46.2 % 45.8 % 42.2 %
Adjusted efficiency ratio (1) 39.8 % 37.9 % 40.6 %
 
(1)     See reconciliation of GAAP to non-GAAP financial measures in Tables
10, 11, 12 and 13.
(2) Annualized.
 

MANAGEMENT OUTLOOK FOR 2019

Our current outlook for the expected full year 2019 results, compared to
our full year 2018 results, is unchanged relative to a quarter ago. The
components are as follows:

  • End of Period Loans: increase by approximately 10%.
  • Net Interest Income (ex. ASC 310-30 discount accretion income):
    increase at a percentage rate in the low double-digits.
  • Net Interest Margin (ex. impact of ASC 310-30 discount
    accretion): between 3.75% and 3.80%.
  • Noninterest Expense (ex. amortization of tax credit investments
    & core deposit intangibles): increase at a percentage rate
    in the mid-single-digits.
  • Provision for Credit Losses: in the range of $80 million to $90
    million.
  • Tax Items: projecting full year effective tax rate6
    of approximately 15%, including the impact of tax credit investments,
    which reduce our tax liability from statutory rates.
  • Interest Rates: No changes to the fed funds rate in the year
    2019.

__________________________________

6   The tax rate outlook does not include any ASC 740-10 uncertain tax
position liabilities that the Company may potentially record related
to tax credit investments related to DC Solar, as disclosed in the
Company’s December 31, 2018 Form 10-K. The amount and timing of any
future reserve remain uncertain at this time.
 

OPERATING RESULTS SUMMARY

First Quarter 2019 Compared to Fourth Quarter
2018

Net Interest Income and Net Interest Margin
Net
interest income totaled $362.5 million, a 2% decrease from $369.4
million. Net interest margin remained unchanged at 3.79%.

  • Excluding the impact of ASC 310-30 discount accretion, adjusted NII of
    $360.3 million decreased by 1% and adjusted NIM of 3.77% increased by
    four basis points. ASC 310-30 discount accretion income was $2.2
    million, a decrease from $5.8 million last quarter.
  • Average loans of $32.4 billion grew by $879.9 million, or 11% linked
    quarter annualized. Growth was broad-based across the major portfolios
    of commercial real estate, commercial, and consumer loans.
  • Average deposits of $34.9 billion declined by $61.7 million, or 1%
    linked quarter annualized.
  • The yield on loans expanded by eight basis points to 5.30% from 5.22%.
    Excluding the impact of ASC 310-30 discount accretion, the adjusted7
    yield on loans expanded by 13 basis points to 5.27% from 5.14%.
  • The yield on interest-earning assets expanded by 16 basis points to
    4.85% from 4.69%.
  • The cost of deposits increased by 17 basis points to 1.07% from 0.90%.
  • The cost of funds increased by 17 basis points to 1.15% from 0.98%.

Noninterest Income
Noninterest income totaled $42.1
million, a 1% increase from $41.7 million.

  • Interest rate contracts and other derivative income, net gains on
    sales of AFS investment securities, wealth management fees, and
    deposit account fees increased linked quarter.
  • Foreign exchange income, net gains on sales of loans, and lending fees
    decreased linked quarter.

Noninterest Expense
Noninterest expense totaled
$186.9 million, a 1% decrease from $188.1 million. First quarter
noninterest expense consisted of $160.8 million of adjusted8
noninterest expense, $24.9 million in amortization of tax credit and
other investments, and $1.2 million in amortization of core deposit
intangibles.

  • Adjusted noninterest expense of $160.8 million increased by $5.0
    million, or 3%, from $155.9 million in the fourth quarter of 2018. The
    linked quarter change primarily reflected seasonal first quarter
    increase in compensation and employee benefits, partially offset by
    decreased other operating expense.
  • Included in the first quarter 2019 amortization of tax credit and
    other investments was a $7.0 million impairment charge related to
    certain tax credit investments.
  • The adjusted8 efficiency ratio was 39.8% in the first
    quarter, compared to 37.9% in the previous quarter.

__________________________________

7  

See reconciliation of GAAP to non-GAAP financial measures in Table
12.

8

See reconciliation of GAAP to non-GAAP financial measures in Table
11.

 

TAX RELATED ITEMS

First quarter 2019 tax expense was $31.1 million and the effective tax
rate was 16%, compared to a tax expense of $32.0 million and an
effective tax rate of 16% in the fourth quarter of 2018.

  • For the full year 2019, the Company expects to continue to invest in
    tax credits and projects an effective tax rate of approximately 15%.

CREDIT QUALITY

The allowance for loan losses totaled $317.9 million, or 0.97% of loans
HFI, as of March 31, 2019, compared to $311.3 million, or 0.96% of loans
HFI, as of December 31, 2018, and $297.7 million, or 1.01% of loans HFI,
as of March 31, 2018.

  • The provision for credit losses recorded for the current quarter was
    $22.6 million, compared to $18.0 million for the fourth quarter of
    2018, and $20.2 million for the first quarter of 2018.
  • Net charge-offs for the current quarter were $14.4 million, or
    annualized 0.18% of average loans HFI. This compares to net
    charge-offs of $16.0 million, or annualized 0.20% of average loans
    HFI, for the fourth quarter of 2018, and net charge-offs of $9.8
    million, or annualized 0.14% of average loans HFI, for the first
    quarter of 2018.
  • Non-PCI nonperforming assets were $138.0 million, or 0.33% of total
    assets, as of March 31, 2019, compared to $93.0 million, or 0.23% of
    total assets, as of December 31, 2018, and $131.0 million, or 0.35% of
    total assets, as of March 31, 2018. The quarter-over-quarter variance
    in nonperforming assets reflects an increase in commercial nonaccrual
    loans.

CAPITAL STRENGTH

Capital levels for East West continue to be strong. The following table
presents the regulatory capital ratios for the quarters ended March 31,
2019, December 31, 2018, and March 31, 2018.

 
EWBC Regulatory Capital Metrics   Basel III    

($ in millions)

March 31,

2019 (a)

 

December 31,

2018

 

March 31,

2018

 

Minimum

Capital

Ratio

 

Well

Capitalized

Ratio

 

Minimum

Capital Ratio +

Conservation

Buffer (b)

 
CET1 capital ratio 12.4 % 12.2 % 11.9 % 4.5 % 6.5 % 7.0 %
Tier 1 risk-based capital ratio 12.4 % 12.2 % 11.9 % 6.0 % 8.0 % 8.5 %
Total risk-based capital ratio 13.8 % 13.7 % 13.4 % 8.0 % 10.0 % 10.5 %
Tier 1 leverage capital ratio 10.2 % 9.9 % 9.6 % 4.0 % 5.0 % 4.0 %
Risk-Weighted Assets (“RWA”) (c) $

33,187

$ 32,497 $ 29,891 N/A N/A

N/A

 

N/A Not applicable.

(a)     The Company’s March 31, 2019 regulatory capital ratios and RWA are
preliminary.
(b)

An additional 2.5% capital conservation buffer above the minimum
capital ratios is required in order to avoid limitations on
distributions, including dividend payments and certain
discretionary bonus payments to executive officers.

(c) Under regulatory guidelines, on-balance sheet assets and credit
equivalent amounts of derivatives and off-balance sheet items are
assigned to one of several broad risk categories based on the nature
of the obligor, or, if relevant, the guarantor or the nature of any
collateral. The aggregate dollar value in each risk category is then
multiplied by the risk weight associated with that category. The
resulting weighted values from each of the risk categories are
aggregated for determining total RWA.
 

DIVIDEND PAYOUT AND CAPITAL ACTIONS

East West’s Board of Directors has declared second quarter 2019
dividends for the Company’s common stock. The common stock cash dividend
of $0.275 per share is payable on May 15, 2019 to shareholders of record
on May 1, 2019. This represents a 20% increase, or 4.5 cents per share,
to the quarterly common stock dividend, up from $0.23 per share
previously. At the new rate, the annualized dividend is $1.10, compared
to the previous annualized rate of $0.92 per share.

Conference Call

East West will host a conference call to discuss first quarter 2019
earnings with the public on Thursday, April 18, 2019 at 8:30 a.m.
PT/11:30 a.m. ET. The public and investment community are invited to
listen as management discusses first quarter 2019 results and operating
developments.

  • The following dial-in information is provided for participation in the
    conference call: calls within the U.S. – (877) 506-6399; calls within
    Canada – (855) 669-9657; international calls – (412) 902-6699.
  • A presentation to accompany the earnings call will be available on the
    Investor Relations page of the Company’s website at www.eastwestbank.com/investors.
  • A listen-only live broadcast of the call will also be available on the
    Investor Relations page of the Company’s website at www.eastwestbank.com/investors.
  • A replay of the conference call will be available on April 18, 2019 at
    11:30 a.m. Pacific Time through May 18, 2019. The replay numbers are:
    within the U.S. – (877) 344-7529; within Canada – (855) 669-9658;
    International calls – (412) 317-0088; and the replay access code is:
    10129569.

About East West

East West Bancorp, Inc. is a publicly owned company with total assets of
$42.1 billion and is traded on the Nasdaq Global Select Market under the
symbol “EWBC”. The Company’s wholly-owned subsidiary, East West Bank, is
one of the largest independent banks headquartered in California. East
West is a premier bank focused exclusively on the United States and
Greater China markets and operates over 130 locations worldwide,
including in the United States markets of California, Georgia,
Massachusetts, Nevada, New York, Texas and Washington. In Greater China,
East West’s presence includes full service branches in Hong Kong,
Shanghai, Shantou and Shenzhen, and representative offices in Beijing,
Chongqing, Guangzhou, Taipei and Xiamen. For more information on East
West, visit the Company’s website at www.eastwestbank.com.

Forward-Looking Statements
Certain matters set forth
herein (including any exhibits hereto) constitute “forward-looking
statements” within the meaning of the Private Securities Litigation
Reform Act of 1995, including forward-looking statements relating to our
current business plans and expectations regarding future operating
results. Forward-looking statements may include, but are not limited to,
the use of forward-looking language, such as “likely result in,”
“expects,” “anticipates,” “estimates,” “forecasts,” “projects,” “intends
to,” “assumes,” or may include other similar words or phrases, such as
“believes,” “plans,” “trend,” “objective,” “continues,” “remains,” or
similar expressions, or future or conditional verbs, such as “will,”
“would,” “should,” “could,” “may,” “might,” “can,” or similar verbs, and
the negative thereof. These forward-looking statements are subject to
risks and uncertainties that could cause actual results, performance or
achievements to differ materially from those projected. These risks and
uncertainties, some of which are beyond our control, include, but are
not limited to, our ability to compete effectively against other
financial institutions in our banking markets; success and timing of our
business strategies; our ability to retain key officers and employees;
impact on our funding costs, net interest income and net interest margin
due to changes in key variable market interest rates, competition,
regulatory requirements and our product mix; changes in our costs of
operation, compliance and expansion; our ability to adopt and
successfully integrate new technologies into our business in a strategic
manner; impact of failure in, or breach of, our operational or security
systems or infrastructure, or those of third parties with whom we do
business, including as a result of cyber attacks; and other similar
matters which could result in, among other things, confidential and/or
proprietary information being disclosed or misused; adequacy of our risk
management framework, disclosure controls and procedures and internal
control over financial reporting; future credit quality and performance,
including our expectations regarding future credit losses and allowance
levels; impact of adverse changes to our credit ratings from major
credit rating agencies; impact of adverse judgments or settlements in
litigation; changes in the commercial and consumer real estate markets;
changes in consumer spending and savings habits; changes in the United
States (“U.S.”) economy, including inflation, deflation, employment
levels, rate of growth and general business conditions; changes in
government interest rate policies; impact of benchmark interest rate
reform in the U.S. that resulted in the Secured Overnight Financing Rate
selected as the preferred alternative reference rate to the London
Interbank Offered Rate; impact of political developments, wars or other
hostilities that may disrupt or increase volatility in securities or
otherwise affect economic conditions; changes in laws or the regulatory
environment including regulatory reform initiatives and policies of the
U.S. Department of Treasury, the Board of Governors of the Federal
Reserve Board System, the Federal Deposit Insurance Corporation, the
Office of the Comptroller of the Currency, the U.S. Securities and
Exchange Commission, the Consumer Financial Protection Bureau and the
California Department of Business Oversight — Division of Financial
Institutions; impact of the Dodd-Frank Wall Street Reform and Consumer
Protection Act on our business, business practices, cost of operations
and executive compensation; heightened regulatory and governmental
oversight and scrutiny of our business practices, including dealings
with consumers; impact of reputational risk from negative publicity,
fines and penalties and other negative consequences from regulatory
violations and legal actions and from our interactions with business
partners, counterparties, service providers and other third parties;
impact of regulatory enforcement actions; changes in accounting
standards as may be required by the Financial Accounting Standards Board
or other regulatory agencies and their impact on critical accounting
policies and assumptions; changes in income tax laws and regulations and
the impact of the Tax Cuts and Jobs Act of 2017; impact of other
potential federal tax changes and spending cuts; our capital
requirements and our ability to generate capital internally or raise
capital on favorable terms; changes in our ability to receive dividends
from our subsidiaries; any future strategic acquisitions or
divestitures; continuing consolidation in the financial services
industry; changes in the equity and debt securities markets;
fluctuations of our stock price; fluctuations in foreign currency
exchange rates; a recurrence of significant turbulence or disruption in
the capital or financial markets, which could result in, among other
things, a reduction in the availability of funding or increases in
funding costs, a reduction in investor demand for mortgage loans and
declines in asset values and/or recognition of other-than-temporary
impairment on securities held in our available-for-sale investment
securities portfolio; changes in the economy of and monetary policy in
the People’s Republic of China; impact of natural or man-made disasters
or calamities or conflicts or other events that may directly or
indirectly result in a negative impact on our financial performance; and
other factors set forth in our public reports including its Annual
Report on Form 10-K for the year ended December 31, 2018, and
particularly the discussion of risk factors within that document. If any
of these risks or uncertainties materializes or if any of the
assumptions underlying such forward-looking statements proves to be
incorrect, our results could differ materially from those expressed in,
implied or projected by such forward-looking statements. We assume no
obligation to update or revise such forward-looking statements, whether
as a result of new information, future events, or otherwise, except as
required by law.

 

EAST WEST BANCORP, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED BALANCE SHEET

($ and shares in thousands, except per share data)

(unaudited)

Table 1

         

March 31, 2019

% or Basis Point Change

March 31,

2019

   

December 31,

2018

   

March 31,

2018

Qtr-o-Qtr

 

Yr-o-Yr

Assets

Cash and due from banks

$

462,254

$

516,291

$

413,017

(10.5

)%

11.9

%

 

Interest-bearing cash with banks   3,323,071         2,485,086     1,901,921   33.7 74.7
Cash and cash equivalents 3,785,325 3,001,377 2,314,938 26.1 63.5
Interest-bearing deposits with banks 134,000 371,000 478,871 (63.9 ) (72.0

)

 

Securities purchased under resale agreements
(“resale agreements”) (1) 1,035,000 1,035,000 1,050,000 (1.4

)

 

Available-for-sale (“AFS”) investment securities

2,640,158

2,741,847

2,811,416

(3.7

)

(6.1

)

 

Federal Home Loan Bank (“FHLB”) and
Federal Reserve Bank (“FRB”) stock

74,736

74,069

73,787 0.9 1.3
Loans held-for-sale (“HFS”)

275

46,181 (100.0 ) (100.0

)

 

Loans held-for-investment (net of allowance for loan losses of
$317,894, $311,322 and

$297,654)

32,545,392

32,073,867

29,257,594

1.5

11.2

Investments in qualified affordable housing partnerships, net

197,470

184,873

160,574

6.8

23.0

Investments in tax credit and other investments, net

217,445

231,635

246,183

(6.1

)

(11.7

)

 

Goodwill 465,697 465,547 465,547 0.0 0.0
Operating lease right-of-use assets (2) 104,289 100.0 100.0
Other assets   891,921     862,866     766,847   3.4 16.3
Total assets $ 42,091,433   $ 41,042,356   $ 37,671,938   2.6 % 11.7

%

 

 
Liabilities and Stockholders’ Equity
Deposits $ 36,273,972 $ 35,439,628 $ 32,608,777 2.4 %

11.2

%

 

Short-term borrowings 39,550 57,638 30,277 (31.4 )

30.6

FHLB advances

Securities sold under repurchase agreements

344,657 326,172 324,451 5.7

 

6.2

(“repurchase agreements”) (1) 50,000 50,000 50,000
Long-term debt and finance lease liabilities 152,433 146,835 166,640 3.8 (8.5

)

 

Operating lease liabilities (2) 112,843 100.0 100.0
Accrued expenses and other liabilities   526,048     598,109     513,038   (12.0 ) 2.5
Total liabilities 37,499,503 36,618,382 33,693,183 2.4 11.3
Stockholders’ equity (2)   4,591,930     4,423,974     3,978,755   3.8 15.4
Total liabilities and stockholders’ equity $ 42,091,433   $ 41,042,356   $ 37,671,938   2.6 % 11.7

%

 

 
Book value per common share $ 31.56 $ 30.52 $ 27.46 3.4 % 14.9

%

 

Tangible equity (3) per common share $ 28.21 $ 27.15 $ 24.07 3.9 17.2
Number of common shares at period-end 145,501 144,961 144,873 0.4 0.4
Tangible equity to tangible assets ratio (3) 9.87 % 9.71 % 9.38 %

16

bps

49

bps

                                               

Contacts

FOR INVESTOR INQUIRIES, CONTACT:
Irene Oh
Chief
Financial Officer
T: (626) 768-6360
E: [email protected]

Julianna Balicka
Director of Strategy and Corporate Development
T:
(626) 768-6985
E: [email protected]

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