#1Hanmi Financial Corporation Los Angeles New York/ New Jersey Virginia Chicago Dallas Houston San Francisco San Diego 4Q23 Earnings Supplemental Presentation January 23, 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#4Net 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% • 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% 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 4Q23 Highlights Efficiency Ratio TBVPS (1) $22.75 58.86% 4#5Loan Production Fourth quarter observed the highest quarterly loan production in 2023. Loan production increased by 16% quarter- over-quarter. 6.85% ($ 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 $20.2 million of loans secured by CRE and the remainder representing C&I as of 4Q22, 1Q23, 2Q23, 3Q23, and 4Q23 respectively H Hanmi Financial Corporation LO 5#6Commercial Real Estate (CRE) (1,2) Portfolio Outstanding ($ 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 со 6#7Loan 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) $61.1 million, or 8.2%, of the C&I portfolio are unguaranteed SBA loans Retail Trade - 8% (2) Manufacturing - 24% Finance & Insurance - 17% Wholesale Trade - 7% 7#8($ 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% 8#9Total 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 9#10($ 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 10#11USKC (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 11#12The 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 12#13Hospitality 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 13#14Retail 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 14#15Residential 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 15#16Equipment 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% 16#17Deposit 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 17#18Net 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 18#1924% 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 19#20Noninterest 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 20#21Continued 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 21#22Asset 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 22#23Asset 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 23#24Asset 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 24#25ACL 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 ($2.9) 4Q23 Credit loss expense 25#26($ 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 26#27Securities 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 27#28The 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 28#29Capital 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 ($71.9) (2) 5-YR2 TSY 29#30The Company exceeds regulatory minimums and the Bank remains well capitalized at December 31, 2023. CET1 Capital Tier 1 Capital Total Capital 4.50% 6.00% Company 8.00% 2.50% 7.00% 11.86% 10.75% 12.20% 11.10% 2.50% Minimum Requirement Company 14.95% 13.85% 8.50% 2.50% 10.50% Capital Conservation Buffer (1) Pro Forma H Hanmi Financial Corporation CET1 Capital Tier 1 Capital Total Capital (1) Pro form a illustrates capital ratios with unrealized loses at December 31, 2023. Non-GAAP financial measure; refer to the non-GAAP reconciliation slide 6.50% Regulatory Capital 8.00% Bank 13.26% 12.16% 10.00% 13.26% 12.16% 14.27% 13.17% Well Capitalized Bank Pro Forma (1) 30#31Appendix H Hanmi Financial Corporation 31#32($ 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 32#33Non-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 33#34($ 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% 34