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Business Description
UCBH Holdings, Inc. is a bank holding company whose principal business is conducted primarily through its wholly owned banking subsidiary, United Commercial Bank (the Bank). UCB is a California state-chartered commercial bank that provides a range of personal and commercial banking services to small- and medium-sized businesses, business executives, professionals and other individuals. The Bank offers multilingual services to all of its customers in English, Cantonese and Mandarin. Its operations are concentrated in the San Francisco Bay area, which includes the City of San Francisco, the South Bay and the East Bay; the Sacramento/Stockton metropolitan area, and the Los Angeles metropolitan area, focusing on areas with a high concentration of ethnic Chinese. The Bank operates through a branch network consisting of 41 offices in the State of California (26 in the north and 15 in the south); one office in Brooklyn, New York, and one office in Hong Kong, China.

Financial Information
For the nine months ended 9/30/04, interest income rose 14% to $218.5 million. Net interest income after LLP rose 28% to $147.4 million. Net income rose 34% to $61.9 million. Net interest income reflects increased interest earned on loans and reduced cost of funds. Net income also reflects increased gains on the sale of loans.