It takes a little extra research on EWBC to see where it heads into: 1) The bank is heavily involved in trading business side, catipalizing on the merchant and money movement between Asia and US. So the lending is actually not the best earning part vs. other saving and loans. 2) As Chinese has a high saving rate compare to average america, you maybe can notice they do not like to borrow either. Many of the Chinese going into the real estate market with cash payment for all of the house or significant part of the down payment ( say way over 25% of house value), So the bank's asset should be safer then others. If you read the bank's statement, you will notice their none performance loan is under 0.04%, much lower then average bank in US.