#1Janney Hanmi Financial Corporation Los Angeles New York/ New Jersey Virginia Chicago Dallas Houston San Francisco San Diego 000 A.-AC 1Q24 Investor Presentation February 2024#2Forward-Looking Statements Hanmi Financial Corporation (the "Company") cautions investors that any statements contained herein that are not historical facts are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, including, but not limited to, those statements regarding operating and financial performance, financial position and liquidity, business strategies, regulatory, economic and competitive outlook, investment and expenditure plans, capital and financing needs and availability, litigation, plans and objectives, merger or sale activity, financial condition and results of operations, and all other forecasts and statements of expectation or assumption underlying any of the foregoing. These statements involve known and unknown risks and uncertainties that are difficult to predict. Investors should not rely on any forward-looking statement and should consider risks, such as changes in governmental policy, legislation and regulations, economic uncertainty and changes in economic conditions, inflation, the continuing impact of the COVID- 19 pandemic on our business and results of operations, fluctuations in interest rate and credit risk, competitive pressures, the ability to succeed in new markets, balance sheet management, liquidity and sources of funding, the size and composition of our deposit portfolio, including the percentage of uninsured deposits in the portfolio, increased assessments by the Federal Deposit Insurance Corporation, risk of natural disasters, a failure in or breach of our operational or security systems or infrastructure, including cyberattacks, the adequacy of our allowance for credit losses, and other operational factors. Forward-looking statements are based upon the good faith beliefs and expectations of management as of this date only and are further subject to additional risks and uncertainties, including, but not limited to, the risk factors set forth in our earnings release dated January 23, 2024, including the section titled "Forward Looking Statements and the Company's most recent Form 10-K, 10-Q and other filings with the Securities and Exchange Commission ("SEC"). Investors are urged to review our earnings release dated January 23, 2024, including the section titled "Forward Looking Statements and the Company's SEC filings. The Company disclaims any obligation to update or revise the forward-looking statements herein. H Hanmi Financial Corporation 2#3Non-GAAP Financial Information This presentation contains financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America ("GAAP"). These non-GAAP measures include tangible common equity to tangible assets, and tangible common equity per share. Management uses these "non-GAAP" measures in its analysis of the Company's performance. Management believes these non-GAAP financial measures allow for better comparability of period to period operating performance. Additionally, the Company believes this information is utilized by regulators and market analysts to evaluate a company's financial condition and therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. A reconciliation of the non-GAAP measures used in this presentation to the most directly comparable GAAP measures is provided in the Appendix to this presentation. H Hanmi Financial Corporation 3#4Overview & highlights Loan portfolio Deposit portfolio Margin, fee income, expenses Asset quality Securities & liquidity Capital management Environmental Social Governance (ESG) Appendix H Hanmi Financial Corporation Table of Contents 5-9 10-23 24 - 25 26-30 31-35 36-37 38 39 40-43 44-48 4#5● ● ● WASHINGTON ● 1 CALIFORNIA 22 2 1 . COLORADO TEXAS 7 3 Experienced Bankers with Deep Community Ties Second Largest Korean-American Bank in the U.S. • Founded in 1982 in Los Angeles, as the first Korean-American bank 35 full-service branches and 8 loan production offices across 9 states Focused on MSAs with high Asian-American and multi-ethnic populations Strong track record of growth Well capitalized, significantly above regulatory requirements (1) CAGR based on the average loan growth between 2013, when new executive management was appointed, and 2023 (2) Non-GAAP financial measure; refer to the non-GAAP reconciliation slide H Hanmi Financial Corporation ILLINOIS 1 GEORGIA 1 Hanmi Franchise at a Glance As of 4Q23 Total Assets $7.6B VIRGINIA 1 2 NY/NJ 1 1 Branch Loan Production Office (LPO) Loans $6.2B Deposits $6.3B Loan Growth (1) 10.7% TBVPS (²) $22.75 TCE/TA (2) Ratio 9.14% LO 5#6Name Bonnie Lee Romolo Santarosa Anthony Kim Matthew Fuhr Mike Park Anna Chung Navneeth Naidu Michael Du Joseph Pangrazio Position President & CEO SEVP, Chief Financial Officer SEVP, Chief Banking Officer EVP, Chief Credit Officer EVP, Chief Credit Risk Officer EVP, Chief SBA Lending Officer EVP, Chief Technology Officer SVP, Chief Risk Officer SVP, Chief Accounting Officer H Hanmi Financial Corporation Banking Experience (Years) 38 33 30 28 36 41 22 25 26 Hanmi Experience (Years) 11 9 11 9 10 10 6 5 Management Team Previous Experience BBCN Bancorp, Shinhan Bank America, Nara Bank Opus Bank, First California Financial Group BBCN Bancorp Pacific Western Bank, FDIC East West Bank East West Bank, Nara Bank, Wilshire Bank, First American Bank Columbia Bank, American Marine Bank, First Capital Bank of Texas Pacific Western Bank, Unify Financial Federal Credit Union Bank of the West, Arthur Anderson 6#7For over 40 years, we have been dedicated to helping our stakeholders bank on their dreams. 1982 2007 Completed $70 million secondary common stock offering First Korean American Bank in the U.S. 2001 Listed HAFC common stock 2004 Acquired Pacific Union Bank ($1.2 billion in assets) 1988 - Began offering SBA loans Acquired First Global Bank H Hanmi Financial Corporation 2017 - Assets surpassed $5 billion Opened a Manhattan, NY branch 2014 - Acquired Central Bancorp, Inc. ($1.3 billion in assets) 2016 Acquired Commercial Equipment Leasing Division ($228 million in assets) The Hanmi Timeline 2013 - C.G. Kum appointed as the new CEO - Bonnie Lee appointed as the new COO 2022 - Assets surpassed $7 billion - Celebrated 40th Anniversary Nasdaq Closing Bell Ceremony 2019 Bonnie Lee appointed as the new CEO 2020 Launch of USKC (1) Revitalization of Mortgage Lending 2018 - Opened Chinatown branch in Houston, Texas (1) U.S. subsidiaries of Korean Corporations 7#8● Strong average deposit growth reflecting a 10% CAGR since 2013 • Average noninterest-bearing deposit at $2.2 billion, represents 35% of average deposits at December 31, 2023 year-to-date, and reflects a 11% CAGR since 2013 • Business deposits represent 52% of total deposits at December 31, 2023 • Cash dividend of $0.25 per share, demonstrating management's confidence in the Company's performance • Tangible common equity to tangible assets (1) was 9.14% at the end of the ● Fourth quarter. Common equity tier 1 capital ratio was 11.86% and total capital ratio was 14.95% Bank remains well-capitalized and Company exceeds minimum capital requirements at December 31, 2023 H Hanmi Financial Corporation Premier Deposit Franchise Prudent Capital Management Diversified Loan Portfolio and Disciplined Credit Administration Strong Culture and Commitment to Corporate Sustainability (2) (1) Non-GAAP financial measure; refer to the non-GAAP reconciliation slide (2) Based on the 2023 Hanmi ESG Report (published on April 2023) ● Strong average loan growth reflecting an 11% CAGR since 2013 Why Hanmi? • Significant progress reducing CRE concentration from 85% of the total portfolio, at December 31, 2013 to 63%, at December 31, 2023, through portfolio diversification that includes equipment finance, RRE, and multi- family ● • Allowance for credit losses to loans was 1.12% at December 31, 2023 and nonperforming assets were 0.21% of total assets ● ● Hanmi Financial Corporation received highest ISS ESG designation in Governance in 2022(2) • $7.5 million long-term commitment to a Community Reinvestment Act fund (2) 426 Hanmi Bank Dream Scholarships awarded to support at-risk youth program (2) 8#9Net Income $18.6M ● ● ● Diluted EPS $0.61 ➤ ➤ ROAA 0.99% (1) Non-GAAP financial measure; refer to the non-GAAP reconciliation slide ROAE 9.70% Net income was $18.6 million, or $0.61 per diluted share, down 0.9% from $18.8 million, or $0.62 per diluted share, for the prior quarter Net interest income was $53.1 million, down 3.1% from the prior quarter ➤ Noninterest income was $6.7 million, down 40.5% from the prior quarter primarily due to the third quarter benefitting from a $4.0 million gain on a branch sale-and-leaseback Noninterest expense was $35.2 million, up 2.8% from the prior quarter Efficiency ratio was 58.86%, compared with 51.82% for the prior quarter • Loans receivable were $6.18 billion, up 2.7% from the prior quarter ➤ Loan production was $389.5 million with a weighted average interest rate of 8.10% Deposits were $6.28 billion, up 0.3% from the prior quarter, with noninterest-bearing demand deposits representing 31.9% of total deposits ➤ Cost of interest-bearing deposits was 3.83%, up 30 basis points from the prior quarter • Credit loss recovery was $2.9 million; allowance for credit losses to loans was 1.12% at December 31, 2023 Tangible common equity to tangible assets (1) was 9.14%, Common equity tier 1 capital ratio was 11.86% and total capital ratio was 14.95% H Hanmi Financial Corporation NIM 2.92% 4Q23 Highlights Efficiency Ratio TBVPS (1) $22.75 58.86% 9#10Loan Production Fourth quarter observed the highest quarterly loan production in 2023. Loan production increased by 16% quarter- over-quarter. 6.85% ($ in millions) $473.8 11% 23% 19% 29% 18% 4Q22 7.19% $303.6 11% 32% 23% 9% 25% 1Q23 7.39% $259.3 12% 39% 20% 13% 16% 2Q23 7.80% $336.3 11% 16% 21% 20% 32% 3Q23 (1) 8.10% $389.5 12% 14% 15% 13% 46% 4Q23 Weighted average interest rate on new production Weighted average interest rate on new production was up 30 basis points sequentially. Commercial real estate loan production was $178.2 million and equipment finance production was $57.3 million for the fourth quarter. Residential mortgage (1) loan production was $53.5 million and commercial and industrial loan production was $52.1 million. SBA (2) loan production was $48.4 million for the fourth quarter. CRE C&I Equipment Finance RRE SBA (1) Residential mortgage includes $0.1 million, $2.0 million, $0.0, $0.0, and $0.0 of consumer loans for 4Q22, 1Q23, 2Q23, 3Q23, and 4Q23 respectively (2) $53.2 million, $34.5 million, $30.9 million, $18.5 million, and $28.2 million of SBA loan production includes $36.7 million, $22.6 million, $19.4 million, $17.6 million, and $20.2 million of loans secured by CRE and the remainder representing C&I as of 4Q22, 1Q23, 2Q23, 3Q23, and 4Q23 respectively H Hanmi Financial Corporation 10#11Strong average loan growth reflecting an 11% CAGR since 2013. ($ in millions) $2,157 2013 $2,441 2014 $2,902 2015 H Hanmi Financial Corporation $3,423 2016 CAGR from 2013 - 2023: 11% $4,039 $4,456 $4,508 2017 2018 Average Loans Receivable 2019 $4,685 2020 Average Loan Trend $4,795 2021 $5,597 2022 $5,968 2023 11#12Significant progress reducing CRE concentration from 85% of total portfolio to 63%. Loan Composition (as of December 31, 2013) (1) RRE 5% (3) C&I- 10% CRE 85% Successful Portfolio Diversification Strategy (2) $2.23 Billion H Hanmi Financial Corporation Loan Composition (as of December 31, 2023) Equipment Finance - 9% C&1³L 12% RRE 16% $6.18 Billion (1) RRE includes Consumer loans (2) $144.5 million or 7.6% and $115.5 million or 3.0% of the CRE portfolio is unguaranteed SBA loans at December 31, 2013 and December 31, 2023, respectively (3) $7.0 million or 3.1% and $61.1 million or 8.2% of the C&I portfolio is unguaranteed SBA loans at December 31, 2013 and December 31, 2023, respectively (2) CRE 63% 12#13Commercial Real Estate (CRE) (1,2) Portfolio Outstanding ($ in millions) $3,890 4Q23 Average Yield 5.52% Residential Real Estate (RRE) (³) Portfolio Outstanding ($ in millions) $963 4Q23 Average Yield 4.98% Commercial & Industrial (C&I) (¹) Portfolio Outstanding ($ in millions) $748 4Q23 Average Yield 8.96% Equipment Finance Portfolio Outstanding ($ in millions) 4Q23 Average Yield $582 5.85% $6.2 Billion Loan Portfolio (as of December 31, 2023) Equipment Finance - 9% (2) CRE Construction - 2% C&I- 12% RRE (3) 16% (2) CRE Multifamily -7% (2) CRE Owner - 12% CRE Investor (non- owner) (2) - 42% Loan Portfolio CRE (2) Investor (non-owner) # of Loans Weighted Average Loan-to-Value Ratio (4) Weighted Average Debt Coverage Ratio (4) CRE (2) Owner Occupied # of Loans Weighted Average Loan-to-Value Ratio (4) Weighted Average Debt Coverage Ratio (4) CRE (2) Multifamily # of Loans Weighted Average Loan-to-Value Ratio (4) Weighted Average Debt Coverage Ratio (4) 893 50.3% 2.06x 753 47.8% 2.69x 155 55.1% 1.57x Note: Numbers may not add due to rounding (1) Includes syndicated loans of $297.8 million in total commitments ($239.3 million disbursed) across C&I ($238.4 million committed and $179.9 million disbursed) and CRE ($59.4 million committed and disbursed) (2) Commercial Real Estate (CRE) is a combination of Investor (non-owner), Owner Occupied, Multifamily, and Construction. Investor (or non-owner occupied) property is where the investor does not occupy the property. The primary source of repayment stems from the rental income associated with the respective properties. Owner occupied property is where the borrower owns the property and also occupies it. The primary source of repayment is the cash flow from the ongoing operations and activities conducted by the borrower/owner. Multifamily real estate is a residential property that has 5 or more housing units. (3) Residential real estate is a loan (mortgage) secured by a single family residence, including one to four units (duplexes, triplexes, and fourplexes). RRE also includes $1.9 million of HELOCs and $4.5 million in consumer loans (4) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently H Hanmi Financial Corporation 13#14Loan Portfolio Diversification Loan portfolio is well diversified across collateral types and industry types; CRE represents 63% of the total portfolio and C&I, excluding Equipment Finance Agreements, represents 12%. CRE Portfolio (¹) $3.89B Construction 3% Mixed Use - 3% Gas Station - 6% Multifamily - 10% Industrial - 10% Other 6% Office 15% H Hanmi Financial Corporation Retail - 28% Hospitality - 19% Real Estate Rental & Leasing - 5% Other - 32% Healthcare - 7% C&I Portfolio $748M (1) $115.5 million, or 3.0%, of the CRE portfolio are unguaranteed SBA loans (2) $61.1 million, or 8.2%, of the C&I portfolio are unguaranteed SBA loans Retail Trade - 8% (2) Manufacturing - 24% Finance & Insurance - 17% Wholesale Trade - 7% 14#15($ in millions) Illinois - $85 2% New York - $216 6% CRE Composition by State $3,890 Texas - $398 10% Other - $589 15% California - $2,602 67% H Hanmi Financial Corporation CRE Portfolio Geographical Exposure Construction by State $100 New York - $80 19% Texas - $97 23% Illinois - $14 2% New York $9 1% Multifamily by State $419 Texas - $47 6% Illinois - $14 3% Owner Occupied by State $764 Other - $17 4% Other - $225 29% California - $211 51% California $469 62% Texas - $254 10% New York - $109 4% ($ in millions) Other - $19 19% New York $18 18% Illinois - $56 2% Investor (Non-owner Occupied) by State $2,607 California - $63 63% Other - $329 13% California - $1,859 71% 15#16Total Balance Average Median (3) Top Quintile Balance Top Quintile Loan Size Top Quintile Average Top Quintile Median Owner Occupied $763 $1.01 $0.32 $573 $1.2 or more $3.82 $2.09 CRE Non-owner Occupied $2,607 $2.95 $1.12 $1,866 $3.5 or more $10.67 $6.79 Multifamily $419 $2.70 $1.11 $302 $2.5 or more $9.74 $4.71 Total Balance Average Median ($ in millions) Top Quintile Balance (³) Top Quintile Loan Size Top Quintile Average Top Quintile Median (1) Construction $100 $11.15 $7.99 $58 $22.3 or more $29.23 $29.23 Residential Real Estate & Equipment Finance Loan Portfolio Distribution Total Balance Average Median Residential Real Estate $963 $0.54 $0.46 $397 $0.7 or more $1.12 $0.92 (3) Top Quintile Balance Top Quintile Loan Size Top Quintile Average Top Quintile Median Equipment Finance $582 $0.05 $0.03 $298 $0.1 or more $0.12 $0.10 C&I (2) Term $374 $0.36 $0.05 $331 $0.1 or more $1.63 $0.24 (1) (2) Term loans are commitment for a specified term. Majority of the Lines of Credit are revolving, including commercial revolvers, with some non-revolvers (sub-notes and working capital tranches) (3) Top quintile represents top 20% of the loans H Hanmi Financial Corporation ($ in millions) (2) Lines of Credit $374 $0.64 $0.06 $314 $0.7 or more $3.78 $1.43 ($ in millions) Represents the total outstanding amount. Advances require authorization and disbursement requests, depending on the progress of the project and inspections. Advances are non-revolving and are made throughout the term, up to the original commitment amount 16#17($ in millions) Real estate loans Retail Hospitality Office Other Commercial Property Construction RRE / Consumer Total Real Estate Loans C&I (1) Equipment Finance Loans receivable $ H Hanmi Financial Corporation $ <1 Year 143.3 $ 223.2 44.7 161.3 572.5 90.3 4.4 667.2 300.6 32.5 1,000.3 $ 1-3 Years 302.5 144.7 Note: numbers may not add due to rounding (1) $274.1 million of C&I are lines of credit expected to be renewed and maintain a maturity of less than one year 304.7 449.6 1,201.5 8.0 0.1 1,209.6 211.6 199.1 1,620.3 $ $ Loan Portfolio Maturities >3 Years 661.6 372.6 225.6 755.6 2,015.4 2.0 958.2 2,975.6 235.6 350.6 3,561.8 $ $ Total 1,107.4 740.5 575.0 1,366.5 3,789.4 100.3 962.7 4,852.4 747.8 582.2 6,182.4 17#18USKC (1) Loans & Deposits USKC portfolio represented $764.1 million in loans, or 12% of the loan portfolio and $818.7 million in deposits, or 13% of the deposit portfolio. USKC CRE portfolio had a weighted average debt coverage ratio (2) of 1.94x and weighted average loan-to- value (2) of 58.2%. USKC Loans - Top 10 Industries (as of 4Q23) Real Estate Investment Hotel Auto Part Manufacturer Electronics/Home Appliances Computer Equipment Steel $781 25% 75% Food Education Golf Course 4Q22 Transportation Other $764 25% 75% 1Q23 4% 3% 3% 3% 2% 2% 6% 3% USKC Loans by Product CRE $732 23% 77% 2Q23 H Hanmi Financial Corporation 21% C&I 20% $720 20% 80% 3Q23 33% ($ in millions) $764 20% 80% 4Q23 USKC Deposits - Top 10 Industries (as of 4Q23) Auto Part Manufacurer Steel Electronics/Home Appliances All Other Financial Investment Activities RE Investment/Leasing Food Research and Development IT Tire Hospitality Other $565 32% 60% 1Q23 Demand Noninterest-bearing $688 46% 49% 6% 5% 5% 2Q23 4% 3% 3% 3% USKC Deposits by Product 11% 10% (3) 46% 23% Money Market & Savings $795 49% 3Q23 ($ in millions) $575 38% 58% 4Q22 (1) U.S. subsidiaries of Korean Corporations (2) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently (3) Time deposits, not illustrated, were 5% of total USKC deposits at December 31, 2023. Hence, the percentages do not add to 100% $819 54% 27% 41% 4Q23 18#19The CRE office portfolio (¹) was $575.0 million at December 31, 2023, representing 9% of the total loan portfolio. 81% Portfolio by State 12% 3% Remaining = 3% 1% H Hanmi Financial Corporation Rate Distribution 33% 67% Office Loan Portfolio Fixed Variable ● • Average balance and median. balance of the portfolio were $4.6 million and $1.0 million, respectively ● ● ● ● Weighted average debt coverage ratio (2) of the segment was 2.03x Weighted average loan to value (²) of the segment was 56.50% 21.29% of the portfolio is expected to reprice in 1 to 3 months No delinquent or nonaccrual loans Criticized loans represented 1.76% of the office portfolio (1) Segment represents exposure in CRE and excludes $18.4 million in construction. 7.3% of the portfolio is owner occupied (2) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently 19#20Hospitality segment represented $740.5 million or 12% of the loan portfolio at December 31, 2023. Resort - 8% Convention Center - 3% Airport 7% (2) Destination / Suburban - 30% (2) Metropolitan - 52% ● Hospitality Segment ● Average balance and median balance of the segment (excluding construction) were $3.8 million and $0.9 million, respectively Weighted average debt coverage ratio (1) of the segment was 2.2x Weighted average loan to value (1) of the segment was 51.1% $1.8 million, or 0.25%, of the hospitality segment was criticized at December 31, 2023 • Segment includes three nonaccrual loans for $488 thousand - one in the metropolitan (2) area in Texas, and two in the suburban/destination areas in Tennessee and Washington (1) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently (2) Metropolitan is categorized as a location that is in a major city and in proximity to downtown areas; destination is categorized as a hotel whose location/amenities make it a distinct tourist location; suburban is defined as areas outside of major city hubs and can include more rural areas H Hanmi Financial Corporation 20#21Retail segment represented $1.1 billion or 18% of the loan portfolio at December 31, 2023. Illinois 2% Georgia 3% Texas 13% Other 10% California 72% H Hanmi Financial Corporation Retail Segment Average balance and median balance of the segment were $1.5 million and $0.7 million, respectively Weighted average debt coverage ratio (¹) of the segment was 2.02x Weighted average loan to value (1) of the segment was 47.50% $11.4 million, or 1.03%, of the retail segment was criticized at December 31, 2023 (1) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently • $2.0 million, or 0.18%, of the retail segment were on nonaccrual status at December 31, 2023 21#22Residential Real Estate Portfolio The RRE(¹) portfolio was $962.7 million at December 31, 2023, representing 16% of the total loan portfolio. Our conservative underwriting policy focuses on high-quality mortgage originations with maximum Loan-to-Value (LTV) between 60% and 70%, maximum Debt-to-Income (DTI) of 43% and minimum FICO scores of 680. Jumbo Non-QM¹ 7% Non-QM Non-QM- 91% Jumbo Non-QM H Hanmi Financial Corporation (2) QM - 2% QM 27.6% of the Residential Real Estate portfolio is fixed and 72.4% is variable. Of the variable mortgage portfolio, 84.8% is expected to reset after 12 months and 15.2% within the next 12 months Total delinquencies are 0.09% of the residential portfolio, consisting of 0.05% within 30-59 and 0.03% in 60-89 days delinquency categories (1) RRE includes $1.9 million of Home Equity Line of Credit (HELOC) and $4.5 million in consumer loans (2) QM loans conform to the Abili to-Repay (ATR) rules/requirements of CFPB (3) Non-QM loans do not conform to the CFPB Dodd-Frank Act (4) Jumbo Non-QM loan amounts exceed FHFA limits, but generally conform to the ATR/QM rules 22#23Equipment finance portfolio represented $582.3 million or 9% of the loan portfolio at December 31, 2023. Wholesale Trade, 4% Healthcare, 4% Portfolio by Industry Professional Services, 5% Other, 21% (1) Manufacturing, 11% Transportation, 28% Construction, 15% Waste Management, 12% H Hanmi Financial Corporation Portfolio by Equipment Trucks Machine Tools Earth Moving Trailers Software General Construction Printing (1) Other includes retail trade, agriculture, and other services of 3%, 3%, and 3%, respectively Medical/Dental Material Handling Other 5% 3% 7% 4% 3% 3% 8% Equipment Finance Portfolio 6% 24% 37% 14% Portfolio by State Remaining 45% 9% 3% 4% 8% 6% 4% 3% 4% 23#24Average Deposit Trend Strong deposit growth reflecting a 10% CAGR since 2013. Average noninterest-bearing deposits have grown by 11% CAGR since 2013, and now represents 35% of total deposits. ($ in millions) $2,391 69% 31% 2013 $2,872 69% 31% 2014 Average Noninterest-Bearing Deposits CAGR from 2013-2023: 11% Average Deposit CAGR from 2013 - 2023: 10% $3,503 70% 30% 2015 H Hanmi Financial Corporation $3,608 67% 33% 2016 $4,160 70% 30% 2017 $4,461 71% 29% 2018 Noninterest-bearing deposits $4,691 73% 27% $4,946 66% 34% $5,560 2020 2019 Interest-bearing deposits 59% 41% 2021 $5,950 55% 45% 2022 $6,191 65% 35% 2023 24#25Deposit Base Noninterest-bearing demand deposits represented 32% of total deposits at December 31, 2023. Estimated uninsured deposit liabilities were 40% of the total deposit liabilities. Brokered deposits remained low at 1% of the deposit base. Time <= $250K Money Market & Savings Demand Noninterest-bearing $6,168 21% 11% 25% 2% 41% 4Q22 $6,201 21% 17% 22% 2% 38% 1Q23 Deposits $6,316 21% 17% 25% 2% 35% 2Q23 Note: Numbers may not add due to rounding H Hanmi Financial Corporation Time > $250K Demand Interest-bearing $6,260 23% 16% 25% 1% 35% ($ in millions) 3Q23 $6,281 23% 16% 28% 1% 32% 4Q23 1.70% $3,487 Deposits (as of 4Q23) O Average Interest-bearing Deposits 4Q22 Personal $3,036 48% 2.73% $3,787 3.25% Business $3,245 52% $3,966 3.53% $4,135 1Q23 2Q23 Average Balance of Interest-bearing Deposits Interest-bearing Deposit Costs 3Q23 ($ in millions) ($ in millions) 3.83% $4,174 4Q23 25#26Net Interest Income | Net Interest Margin Net interest income for the fourth quarter was $53.1 million and net interest margin (taxable equivalent) was 2.92%, both down from the previous quarter stemming from higher cost of interest-bearing deposits. 3.67% $64.6 4Q22 3.28% $57.9 1Q23 3.11% $55.4 2Q23 Net Interest Income ($ in millions) H Hanmi Financial Corporation 3.03% $54.9 3Q23 NIM 2.92% $53.1 4Q23 3.03% 3Q23 0.23% Loans -0.08% Other earning assets ☐NIM -0.17% IB-deposits Increase -0.09% FHLB Borrowings & other IB liabilities Decrease 2.92% 4Q23 26#2724% of the loan portfolio reprices within 1-3 months. Loans - Months to Reset / Maturity (1) $1,807.1 $1,509.6 $1,406.9 $658.3 $338.1 $320.2 $517.5 $110.1 $407.4 $858.6 $298.6 $560.0 $102.7 1-3 Months 4-12 Months 1-2 Years 2-3 Years Fixed Variable H Hanmi Financial Corporation $414.8 $1,392.3 ($ in millions) $841.4 $498.3 $343.1 3-5 Years >5 Years Net Interest Income Sensitivity Cost of CDs (2) Cost of CDs (4) 4.50% 2.17% 4Q22 Numbers may not add due to rounding (1) Includes loans held for sale; numbers may not add due to rounding Fed Funds Rate & Cost of CDs 4.27% $785.7 $710.7 $75.0 1Q24 5.00% 3.31% 1Q23 5.25% 3.70% 2Q23 4.45% $480.2 Deposits - CD Maturities 4.75% $405.1 $75.1 2Q24 Wholesale 5.50% (2) Cost of CDs and interest bearing-deposits for the month of December 2023 was 4.40% and 3.97%, respectively (3) Fed funds rate represent the rate at the end of the quarter Represent weighted average contractual rates (4) 3.95% 3Q23 $505.1 $490.1 $15.0 3Q24 Retail 5.50% 4.24% 4Q23 Fed Funds Rate (3) ($ in millions) 4.72% $668.2 $655.0 $13.2 4Q24 27#28Noninterest Income Noninterest income for the fourth quarter was $6.7 million, down 40% from the previous quarter primarily due to the third quarter benefitting from a $4.0 million gain on a branch sale-and-leaseback. Service charges, fees & other Securities transactions $7.5 $1.9 $5.5 Noninterest Income 4Q22 $8.3 $1.9 $6.5 1Q23 $7.9 $1.9 $1.2 $6.7 ($1.9) 2Q23 H Hanmi Financial Corporation Gain on sale of SBA loans Legal settlements $11.2 $1.2 $10.0¹) 3Q23 Numbers may not add due to rounding (1) Includes $4.0 million gain on the sale-and-leaseback of bank premises ($ in millions) $6.7 $1.4 $5.3 4Q23 5.99% $53.2 $40.9 4Q22 4Q23 Service Charges and Fees $0.9 17% $0.8 15% $1.2 23% 7.85% $34.5 SBA 7(a) Loan Production and Sales $29.7 1Q23 SBA Production $2.4 45% 7.75% $30.9 Service charges on deposit accounts Trade finance and other service charges and fees Servicing income All other operating income $19.9 2Q23 SBA Loan Sales 6.84% $36.1 ($ in millions) $21.0 3Q23 ($ in millions) 6.17% $48.4 $29.9 4Q23 SBA Trade Premium 28#29Continued focus on disciplined expense management. 1.85% $33.8 $4.6 $1.8 $3.4 $3.7 $20.3 4Q22 1.81% $32.8 $3.2 $3.3 $4.4 $20.6 1Q23 Salaries and employee benefits Data Processing All other expenses 1.87% $34.3 $4.5 H Hanmi Financial Corporation $3.5 $4.5 $20.4 2Q23 ($ in millions) 1.83% $34.2 $3.9 $3.5 $4.8 $20.4 3Q23 Occupancy and equipment Professional Fees 1.87% $35.2 $5.0 $2.0 $3.5 $4.6 $20.1 4Q23 Noninterest expense / Average assets Noninterest Expense ● ● ● Noninterest expense was $35.2 million in the fourth quarter, up 2.8% from the prior quarter Salaries and employee benefit expense as a percentage of total noninterest expense dropped from 59.5% in the third quarter to 57.0% in the fourth quarter, despite the continued inflationary pressure The efficiency ratio for the fourth quarter was 58.86% compared to 51.82% for the prior quarter 29#302.09% $38.2 $38.2 1.84% $33.4 $33.4 4Q22 1Q23 Gain on sale of Bank premise 1.58% $29.1 $29.1 2Q23 ($ in millions) 1.70% (1) Refer to PTPP schedule in appendix H Hanmi Financial Corporation 1.49% $31.8 $4.0 $27.8 3Q23 1.31% $24.6 $24.6 4Q23 Pretax, pre-provision income Pretax, Pre-Provision Income (PTPP)(¹) PTPP / Average assets (1) ● Pretax, pre-provision income was $24.6 million for the fourth quarter, down 22.7% from the prior quarter and down 35.5% from the same quarter last year • PTPP over average assets for 4Q23 was 1.31% compared with 1.70% for the prior quarter 30#31Asset quality remains strong. 0.13% $7.5 $1.3 $6.2 4Q22 Delinquent Loans (1) 0.26% $15.4 $8.3 $7.1 0.23% $13.7 $6.7 $7.0 1Q23 2Q23 Equipment Finance Delinquent Loans Asset Quality - Delinquent & Criticized Loans (1) Represents loans 30 to 89 days past due and still accruing H Hanmi Financial Corporation 0.16% $9.5 $2.6 $6.9 ($ in millions) 0.14% $10.3 $2.3 $8.0 3Q23 4Q23 All Other Delinquent Loans Delinquent loans / Total assets 2.10% $125.2 $79.0 $46.2 4Q22 1.87% $111.6 $64.3 $47.3 1Q23 Criticized Loans Classified 1.40% $83.5 $44.6 $38.8 2Q23 1.82% $109.6 $76.5 $33.1 3Q23 Special Mention ($ in millions) 1.28% $96.7 $65.3 $31.4 4Q23 Criticized loans / Total assets 31#32Asset Quality - Nonperforming Assets & Nonaccrual Loans Nonperforming assets were $15.6 million at the end of the fourth quarter, down from $15.9 million at the end of the third quarter. 0.14% $10.0 $0.1 $9.8 Nonperforming Assets (1) 4Q22 0.27% $20.2 $0.1 $20.1 0.30% $22.3 $0.1 $22.2 0.22% 2Q23 $15.9 $0.1 $15.8 3Q23 ($ in millions) MOREO 0.21% $15.6 $0.1 $15.5 Nonperforming assets/ Total assets 4Q23 (2) $9.8 $3.6 $5.7 4Q22 (2) $20.1² $10.0 $2.9 Nonaccrual Loans $6.7 1Q23 M Equipment Finance All other CRE and C&I < $3M $22.2 $10.0 $5.3 (2) $6.9 2Q23 $15.8 $4.9 $3.0 $7.9 (2) 3Q23 (3) ($ in millions) 1Q23 Nonperforming loans Note: Numbers may not add due to rounding (1) Nonperforming assets exclude repossessed personal property of $0.5 million, $0.6 million, $0.8 million, $1.3 million, and $1.3 million for December 31, 2022, March 31, 2023, June 30, 2023, September 30, 2023, and December 31, 2023 respectively (2) Specific allowance for credit losses at December 31, 2022, March 31, 2023, June 30, 2023, September 30, 2023, and December 31, 2023 was $3.3 million, $6.2 million, $7.4 million, $2.9 million, and $3.4 million respectively (3) RRE includes consumer loans H Hanmi Financial Corporation (2) $15.5 $4.9 $3.3 $7.3 4Q23 RRE All other CRE and C&I >= $3M 32#33Asset Quality - Gross & Net Loan Charge-offs Net charge-offs for the fourth quarter reflected $6.2 million in recoveries, primarily stemming from $6.1 million in recovery from a 2019 troubled loan relationship. Gross Charge-offs $1.2 $0.4 $0.8 4Q22 $2.2 $0.6 $1.6 $2.7 1Q23 $2.6 2Q23 Equipment Finance Charge-offs H Hanmi Financial Corporation $9.4 $6.6 $2.8 ($ in millions) $1.8 $1.8 3Q23 All Other Loan Charge-offs 4Q23 0.02% $0.3 $0.6 ($0.3) 4Q22 0.10% $1.5 $0.4 $1.1 Net Charge-offs 0.12% $1.7 $2.3 ($0.6) 1Q23 2Q23 Equipment Finance Net Charge-offs 0.60% $8.9 $6.4 $2.5 ($ in millions) -0.33% $1.2 ($6.2) ($5.0) 4Q23 3Q23 All Other Net Charge-offs Net Charge- offs / Average loans Note: Numbers may not add due to rounding 33#34ACL Trends Allowance for credit losses was $69.5 million as of December 31, 2023, generating an allowance for credit losses to loans of 1.12% consistent with the prior quarter. 1.20% $71.5 4Q22 Allowance for Credit Losses 1.21% $72.2 1Q23 1.19% $71.0 2Q23 Allowance for credit losses H Hanmi Financial Corporation 1.12% $67.3 3Q23 ($ in millions) 1.12% $69.5 4Q23 ACL to Loans $0.1 4Q22 Credit Loss Expense (Recovery) ($ in millions) $2.1 1Q23 Credit loss recovery ($0.1) 2Q23 $5.2 3Q23 ($2.9) 4Q23 Credit loss expense 34#35($ in millions) CRE C&I Equipment Finance RRE & Consumer Total December 31, 2023 Allowance $ 40.2 10.3 13.7 5.3 $ 69.5 Loans $ 3,889.7 747.8 582.2 962.7 $ 6,182.4 Note: Numbers may not add due to rounding H Hanmi Financial Corporation September 30, 2023 Allowance $ 38.9 11.2 12.3 4.9 $ 67.3 Loans $ 3,773.0 728.8 592.7 926.3 $ 6,020.8 Allowance $ $ June 30, 2023 ACL Analysis by Loan Type 38.4 16.0 11.9 4.7 71.0 Loans $ 3,738.3 753.5 586.4 887.0 $ 5,965.2 Allowance $ March 31, 2023 $ 39.2 15.3 13.4 4.3 72.2 Loans $ 3,784.2 778.1 600.2 817.9 $ 5,980.5 December 31, 2022 Allowance $ 40.6 15.3 12.2 3.4 71.5 $ Loans $ 3,833.4 804.5 594.8 734.5 $ 5,967.1 35#36Securities Portfolio The $967 million securities portfolio (all AFS, no HTM) represented 13% of assets at December 31, 2023, and had a weighted average modified duration of 4.8 years with $101.0 million in an unrealized loss position. US Agy CMO - 11% Available for Sale Municipal - 8% US Agy MBS Commerical 6% UST - 9% $967 Million Principal Interest $120 $19 $101 2023 Actual (1) US Agy - 14% US Agy MBS - Residential - 52% $174 $21 Principal Paydowns $153 2024 US Agy Residential MBS - Maturity (3) 20 Year - 18% $187 $170 2025 (1) Based on the book value (2) 96% constitutes CRA bonds (3) 2024 Projection consists of $153 million principal paydown and $21 million of interest payments H Hanmi Financial Corporation $504 Million $155 $13 $142 2026 (2) 30 Year - 10% 15 Year - 72% ($ in millions) US Agy CMO - 9% US Agy MBS Commercial 12% Unrealized Loss Municipal - 9% UST- 1% $101 Million > 5 Years 36% Securities Duration < 1 Year 6% 4.8 Years US Agy - 8% US Agy MBS - Residential 61% 1 to 3 Year 19% 3 to 5 Years 39% Note: Numbers may not add due to rounding 36#37The Bank and the Company have ample liquidity resources at December 31, 2023. Liquidity Position Cash & cash equivalents Securities (unpledged) Liquid assets FHLB available borrowing capacity FRB discount window borrowing capacity Federal funds lines (unsecured) available Secondary liquidity sources Bank liquidity (liquid assets + secondary liquidity) $ Cash Securities (AFS) 2036 Trust Preferred Securitites $ 2031 Subordinated Debt Cash & Securities at Company only Balance $ Par Balance $ 302 809 1,111 1,092 23 115 1,230 2,341 7 33 40 ($ in millions) % of Assets 4.0% 10.7% 14.7% Company only Subordinated Debentures Amortized Cost 27 $ 22 110 108 137 $ 130 14.4% 0.3% 1.5% 16.2% 30.9% ($ in millions) ($ in millions) Rate 7.07% (1) 3.75% (2) -Liquid Assets to Total Assets Liquid Assets to Total Liabilities 19.0% 17.7% 16.0% ...... 1.3% 4Q22 $ (1) Rate at December 31, 2023, based on 3-month LIBOR + 166 bps. (2) Issued in August 2021 and due in July 2031. Commencing on September 1, 2026, the interest rate will reset quarterly to the three-month SOFR + 310 bps H Hanmi Financial Corporation 19.7% 18.4% 16.5% 1.3% Liquidity Ratios 1Q23 18.0% 17.3% ...... 15.5% 1.3% 2Q23 Liquid Assets to Deposits Broker Deposits to Deposits 17.0% 16.2% 14.6% 1.2% Liquidity 3Q23 17.9% 16.6% 14.9% 0.9% 4Q23 37#38Capital Management Tangible book value per share (TBVPS) (1) increased to $22.75 from $21.45 at the end of the prior quarter. The increase reflects a $27.3 million decrease in the unrealized after-tax loss on AFS, and $11.0 million increase in net income, net of cash dividends paid. 8.50% $20.54 4Q22 TBVPS (1) & TCE/TA (1) 8.77% $21.30 8.96% $21.56 III 1Q23 2Q23 TBVPS (1) 8.89% H Hanmi Financial Corporation $21.45 3Q23 9.14% $22.75 4Q23 TCE/ (1) ΤΑ 4.00% 4Q22 ($88.7) 3.57% 1Q23 ($79.1) (1) Non-GAAP financial measure, refer to the non-GAAP reconciliation slides Rate at the end of the quarter (2) AOCI & 5-YR TSY 4.16% 2Q23 ($84.6) ДАОС 4.61% 3Q23 ($99.4) ($ in millions) 3.85% 4Q23 ($71.9) (2) 5-YR2 TSY 38#39The Company exceeds regulatory minimums and the Bank remains well capitalized at December 31, 2023. CET1 Capital Tier 1 Capital Total Capital 4.50% 6.00% Company 8.00% 2.50% 7.00% 11.86% 10.75% 12.20% 11.10% 2.50% Minimum Requirement Company 14.95% 13.85% 8.50% 2.50% 10.50% Capital Conservation Buffer (1) Pro Forma H Hanmi Financial Corporation CET1 Capital Tier 1 Capital Total Capital (1) Pro form a illustrates capital ratios with unrealized loses at December 31, 2023. Non-GAAP financial measure; refer to the non-GAAP reconciliation slide 6.50% Regulatory Capital 8.00% Bank 13.26% 12.16% 10.00% 13.26% 12.16% 14.27% 13.17% Well Capitalized Bank Pro Forma (1) 39#40The Hanmi Story & Corporate Sustainability Established in 1982 in Los Angeles, Hanmi Bank was originally founded to serve the underserved immigrant community in Koreatown. From our humble beginnings as the first Korean-American bank, Hanmi Bank has grown to embrace and support the dreams of all Americans. Future Home of HANMI BANK (in organization) 한미은행 (설립준비중) THE BIRTH OF HANMI BANK In 1982 HANMI Bank was founded by a group of Korean businessman who were living the ideal of American Financial Success. The bank's founding principle at the time was to help guide and support fellow Korean-Americans in fulfilling their dreams. They named the bank HANMI. THE ER Top: Foundations of Hanmi (1982). Bottom: New Corporate Headquarter (2021) H Hanmi Financial Corporation "Our dedication to effectively serve our customers and the communities we operate in helps us deliver attractive returns on your investment." QUALITYSCORE 1 HIGHEST RANKED BY ISS ESG Bank Director RANKING BANKING. THE BEST U.S. BANKS BankDirector RANKING BANKING. TOP 25 U.S. BANKS Bonnie Lee, President and Chief Executive Officer 2022: Hanmi Financial Corporation received highest ISS ESG designation in Governance 2022: Hanmi Bank recognized among the Top 10 in two categories by Bank Director #3 in $5B-$50B asset category #6 in 2022 list of Top 25 Banks Source: 2023 Hanmi ESG Report (published April 2023) 40#41Corporate Sustainability (1 of 3) The board recognizes that sustainability broadly encompasses corporate activities that enhance the long-term value of the Company. ● Sustainability In 2021, Hanmi Financial Corporation moved its headquarters to the Wilshire Grand Center, a LEED certified space furthering environmentally sustainable practices in Downtown Los Angeles. H Hanmi Financial Corporation Koreatown Senior and Community Center 한인타운 노인 및 커뮤니티 센터 Koreatown Serior & Corsmunity Center H Hanmi Bank Donated 40 solar panels to the Koreatown Senior and Community Center in Los Angeles. Enterprise Risk Management Committee (ERMC) The Bank's Enterprise Risk Management Committee (ERMC) is a forum for management to engage in a collaborative discussion on the evolving risk positions of the bank, emerging risks, control gaps and mitigation strategies The ERMC reviews ten risk pillars, including credit risk, in which management has begun discussions regarding climate risk to our loan portfolio Source: 2023 Hanmi ESG Report (published April 2023) 41#42Corporate Sustainability (2 of 3) As a community bank, we are an equal opportunity employer and we are proud to work with our communities to build a stronger future for all of our stakeholders. Fostering Human Capital 91% Ethnically Diverse Workforce 68% Female Workforce 13% Workforce promotions via Annual Review Provided Almost $1 M in Scholarships 43% Current staff have been with us at least 5 years Hanmi Bank Dream Scholarship 60% Female Managers Assisting 426 at-risk Students (1) Across 12 States (1) Launched in 2016, the Hanmi Bank Dream Scholarship for At-Risk Youth Program provides educational support to at-risk students H Hanmi Financial Corporation Serving Our Communities $7.5M 289 Long-term commitment to a Community Reinvestment Act fund Small business and community development loans $380M Originated for small businesses and community development $300K+ Donated to non-profit partners Financial Wellness Partnered with Honey Bee to provide financial wellness programs and Choice Checking account to meet the needs of the unbanked and underbanked. H÷neyBee Source: 2023 Hanmi ESG Report (published April 2023) 42#43Corporate Sustainability (3 of 3) Governance and management of environmental and social impact create long-term value for our stakeholders. Oversight Hanmi is committed to sound corporate governance principles and maintains formal Corporate Governance Guidelines and a Code of Business Conduct and Ethics for employees, executive officers, and directors. Nominating and Corporate Governance (NCG) Committee NCG Committee identifies individuals qualified to become directors, and has oversight over corporate governance principles applicable to Hanmi. ESG sub- committee, within NCG Committee, has the primary oversight of corporate citizenship and ESG-related matters. The NCG Committee held 4 meetings in 2022. Risk, Compliance and Planning (RCP) Committee The RCP Committee provides oversight of the enterprise risk management framework, and also oversees the strategic planning and the budgetary function. The RCP Committee held 8 meetings in 2022. Audit Committee The Audit Committee is responsible for overseeing and monitoring financial accounting and reporting, the system of internal controls established by management, and our audit process and policies. The Audit Committee held 12 meetings in 2022. Compensation and Human Resources (CHR) Committee The CHR Committee oversees the compensation of Hanmi's executive officers and administers Hanmi's compensation plans. The CHR Committee held 9 meetings in 2022. H Hanmi Financial Corporation Our Board The NCG Committee believes the Board should encompass a broad range of talent, skill, knowledge, experience, diversity, and expertise. ● ● 30% Board Members Female 70% Board Members Ethnically Diverse 90% Board Members Independent Shareholder Engagement Annual shareholder engagement program to discuss executive compensation and governance practices Ethics Hotline that allows for confidential reporting of any suspected concerns or improper conduct Source: 2023 Proxy Statement, 2023 Hanmi ESG Report (published April 2023) 43#44Appendix H Hanmi Financial Corporation 44#45($ in millions, except EPS) Income Statement Summary Net interest income Noninterest income Operating revenue Noninterest expense Credit loss (recovery) expense Pretax income Income tax expense Net income EPS-Diluted Selected balance sheet items Loans receivable Deposits Total assets Stockholders' equity Profitability Metrics Return on average assets Return on average equity TCE/TA(2) Net interest margin Efficiency ratio $ H Hanmi Financial Corporation $ $ $ December 31, 2023 $ 53.1 6.7 59.8 35.2 (2.9) 27.5 8.8 18.6 $ 0.61 $ 6,182 6,281 7,570 702 0.99% 9.70% $ 9.14% 2.92% 58.86% $ $ September 30, 2023 Note: numbers may not add due to rounding (1) Percentage change calculated from dollars in thousands; change in basis points for profitability metrics (2) Non-GAAP financial measure, refer to the non-GAAP reconciliation slide 54.9 11.2 66.1 34.2 5.2 26.7 7.9 18.8 0.62 1.00% 9.88% 4Q23 Financial Summary Change (¹) 8.89% 3.03% 51.82% $ 6,021 $ 6,260 7,350 663 $ $ $ December 31, 2022 64.6 7.5 72.0 33.8 0.1 38.1 9.6 28.5 0.93 5,967 6,168 7,378 638 1.56% 15.90% 8.50% 3.67% 46.99% Q/Q -3.1% -40.5% -9.5% 2.8% -155.7% 3.0% 12.1% -0.9% 2.7% 0.3% 3.0% 5.8% (18) 25 (11) 704 Y/Y -17.7% -10.4% -16.9% 4.0% -5619.2% -27.9% -8.3% -34.6% 3.6% 1.8% 2.6% 10.1% (57) (620) 64 (75) 1,187 45#46($ in millions) Average assets Net interest revenue Noninterest income Noninterest expense PTPP Noninterest income less gain on a branch sale-and-leaseback Adjusted noninterest income PTPP less gain on a branch sale-and-leaseback Adjusted PTPP PTPP/Average assets Adjusted PTPP/Average assets Note: numbers may not add due to rounding H Hanmi Financial Corporation December 31, 2023 7,475.2 $ Pretax, Pre-Provision Income (PTPP) Schedule $ 53.1 6.7 35.2 24.6 6.7 6.7 24.6 24.6 1.31% 1.31% September 30, 2023 7,434.7 $ $ $ $ $ $ $ 54.9 11.2 34.2 31.8 11.2 (4.0) 7.2 31.8 (4.0) 27.8 1.70% 1.49% $ $ $ $ $ $ $ June 30, 2023 7,382.0 55.4 7.9 34.3 29.1 7.9 7.9 29.1 29.1 1.58% 1.58% $ $ $ $ March 31, 2023 7,367.2 57.9 8.3 32.8 33.4 8.3 8.3 33.4 December 31, 2022 7,252.2 1.84% 1.84% $ $ $ $ 33.4 $ $ $ 64.6 7.5 33.8 38.2 7.5 7.5 38.2 38.2 2.09% 2.09% 46#47Non-GAAP Reconciliation: Tangible Common Equity to Tangible Asset Ratio ($ in thousands, except per share data) Hanmi Financial Corporation Assets Less goodwill and other intangible assets Tangible assets Stockholders' equity (1) Less goodwill and other intangible assets Tangible stockholders' equity (1) Stockholders' equity to assets Tangible common equity to tangible assets (¹) Common shares outstanding Tangible common equity per common share (1) There were no preferred shares outstanding at the periods indicated H Hanmi Financial Corporation $ $ $ $ December 31, 2023 7,570,341 $ (11,099) 7,559,242 9.27% 9.14% $ 701,891 (11,099) 690,792 $ 30,368,655 22.75 $ September 30, 2023 7,350,140 $ (11,131) 7,339,009 663,359 (11,131) 652,228 $ 9.03% 8.89% 30,410,582 21.45 June 30, 2023 7,344,924 $ (11,162) $ 7,333,762 668,560 $ (11,162) 657,398 $ 9.10% 8.96% $ 30,485,788 21.56 March 31, 2023 7,434,130 $ (11,193) 7,422,937 $ 662,165 (11,193) 650,972 $ 8.91% 8.77% $ 30,555,287 21.30 $ December 31, 2022 7,378,262 (11,225) 7,367,037 637,515 (11,225) 626,290 8.64% 8.50% 30,485,621 20.54 47#48($ in thousands) Regulatory capital Unrealized losses on AFS securities Adjusted regulatory capital Risk weighted assets Risk weighted assets impact of unrealized losses on AFS securities Adjusted Risk weighted assets Regulatory capital ratio as reported Impact of unrealized losses on AFS securities Pro forma regulatory capital ratio Non-GAAP Reconciliation: Pro Forma Regulatory Capital Note: numbers may not add due to rounding H Hanmi Financial Corporation Common Equity Tier 1 $ 751,515 (71,928) $ 679,587 $ 6,336,136 (16,677) $ 6,319,459 11.86% -1.11% 10.75% Company Tier 1 $ 773,178 (71,928) $ 701,250 $ 6,336,136 (16,677) $ 6,319,459 12.20% -1.11% 11.10% Total Risk-based $ 947,285 (71,928) $ 875,357 $ 6,336,136 (16,677) $ 6,319,459 14.95% -1.10% 13.85% Common Equity Tier 1 $ 840,046 (71,924) $ 768,122 $ 6,334,263 13.26% -1.10% Bank 12.16% Tier $ 6,334,263 (17,254) (17,254) $ 6,317,009 $ 6,317,009 $ 840,046 (71,924) 768,122 13.26% -1.10% 12.16% Total Risk-based $ 904,153 (71,924) $ 832,229 $ 6,334,263 (17,254) $ 6,317,009 14.27% -1.10% 13.17% 48