#1KBW KEEFE, BRUYETTE & WOODS A Stifel Company Hanmi Financial Corporation 000 A.-AC Los Angeles New York/ New Jersey Virginia Chicago Dallas Houston San Francisco San Diego 2Q23 Investor Presentation August 8-9, 2023#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, the effects of COVID-19 on our business, 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, 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 July 25, 2023, 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 July 25, 2023, 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 10-22 23-24 25-29 30-34 35-36 37 38 39-42 43-47 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 2Q23 (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 VIRGINIA 1 2 NY/NJ 1 1 Branch Loan Production Office (LPO) As of 2Q23 Total Assets $7.3B Loans $6.0 B Deposits $6.3B Loan Growth (1) 11.3% TBVPS (2) $21.56 TCE/TA (2) Ratio 8.96% 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) 37 32 29 27 35 40 21 24 26 Hanmi Experience (Years) 10 8 10 8 9 9 LO 5 4 N 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 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 $2.3 billion, represents 37% of average deposits as of June 30, 2023 year-to-date, and reflects a 13% CAGR since 2013 • Business deposits represent 52% of total deposits as of June 30, 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 8.96% at the end of the ● second quarter. Common equity tier 1 capital ratio was 11.90% and total capital ratio was 15.11% Bank remains well-capitalized and Company exceeds minimum capital requirements as of June 30, 2023 H Hanmi Financial Corporation Premier Deposit Franchise Prudent Capital Management Diversified Loan Portfolio and Disciplined Credit Administration Strong Culture and Commitment to ESG (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, as of December 31, 2013 to 63%, as of June 30, 2023, through portfolio diversification that includes equipment finance, RRE, and multi- family ● • Allowance for credit losses to loans was 1.19% at June 30, 2023 and nonperforming assets were 0.30% 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 $20.6M ● ● Diluted EPS $0.67 ● • Net income was $20.6 million, or $0.67 per diluted share, down 6.2% from $22.0 million, or $0.72 per diluted share, for the prior quarter ➤ Net interest income was $55.4 million, down 4.2% from the prior quarter ➤ Noninterest income decreased by 4.8% from the prior quarter to $7.9 million ➤ Noninterest expense was $34.3 million, up 4.5% from the prior quarter Efficiency ratio was 54.11%, compared with 49.54% for the prior quarter Deposits increased by 1.9% from the prior quarter to $6.32 billion with noninterest-bearing demand deposits representing 34.9% of total deposits ➤ Cost of interest-bearing deposits increased 52 basis points from the prior quarter to 3.25% • Loans receivable remained relatively the same quarter over quarter at $5.97 billion ➤ Loan production was $259.3 million with an average rate of 7.39% Credit loss expense was negative $0.1 million; allowance for credit losses to loans was 1.19% at June 30, 2023 Tangible common equity to tangible assets (1) was 8.96%, Common equity tier 1 capital ratio was 11.91% and total capital ratio was 15.12% (1) Non-GAAP financial measure; refer to the non-GAAP reconciliation slide ROAA 1.12% H Hanmi Financial Corporation ROAE 11.14% NIM 3.11% 2Q23 Highlights Efficiency Ratio TBVPS (1) $21.56 54.11% 9#10Loan Production Loan production was $259.3 million for 2Q23, reflecting reduced demand because of higher interest rates. 4.35% ($ in millions) $642.2 11% 17% 15% 15% 42% 2Q22 5.55% $492.3 9% 29% 17% 18% 27% 3Q22 6.85% $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 (1) Average interest rate on new production ● Average interest rate on new production up 20 basis points sequentially. Residential mortgage (2) loan production was $100.2 million and commercial real estate loan production was $41.0 million for the second quarter. Commercial and industrial loan production was $36.3 million and equipment finance production was $50.9 million for the second quarter. SBA (1) loan production was $30.9 million for the second quarter. CRE C&I Equipment Finance ☐RRE SBA (1) $67.9 million, $44.9 million, $53.2 million, $34.5 million, and $30.9 million of SBA loan production includes $47.3 million, $27.1 million, $36.7 million, $22.6 million, and $19.4 million of loans secured by CRE and the remainder representing C&I as of 2Q22, 3Q22, 4Q22, 1Q23, and 2Q23, respectively (2) Residential mortgage includes $0.3 million, $0.0, $0.1 million, $2.0 million, and $0.0 million of consumer loans for 2Q22, 3Q22, 4Q22, 1Q23 and 2Q23, respectively H Hanmi Financial Corporation 10#11Strong average loan growth reflecting an 11% CAGR since 2013. ($ in millions) $2,157 2013 $2,441 2014 $2,902 2015 H Hanmi Financial Corporation $3,423 2016 CAGR from 2013-2Q23: 11% $4,039 $4,456 2018 $4,508 2017 Average Loans Receivable 2019 Average Loan Trend 2020 $4,685 $4,795 T $5,597 2021 2022 $5,943 2023 YTD 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% Successful Portfolio Diversification Strategy CRE 85% H Hanmi Financial Corporation (2) Loan Composition (as of June 30, 2023) (3) 13% (1) RRE- 15% Equipment Finance - 10% $2.23 Billion (1) RRE includes Consumer loans (2) $144.5 million or 7.6% and $111.3 million or 3.0% of the CRE portfolio is unguaranteed SBA loans for December 2013 and June 2023, respectively (3) $7.0 million or 3.1% and $47.2 million or 6.3% of the C&I portfolio is unguaranteed SBA loans for December 2013 and June 2023, respectively $5.97 Billion (2) CRE 63% 12#13Commercial Real Estate (CRE) (1) Portfolio Outstanding ($ in millions) $3,738 2Q23 Average Yield 5.27% Residential Real Estate (RRE) (²) Portfolio Outstanding ($ in millions) $887 2Q23 Average Yield 4.63% Commercial & Industrial (C&I) Portfolio Outstanding ($ in millions) $753 2Q23 Average Yield 8.92% Equipment Finance Portfolio Outstanding ($ in millions) 2Q23 Average Yield $586 5.39% $5.97 Billion Loan Portfolio (as of June 30, 2023) Equipment Finance - 10% (1) CRE Construction - 1% C&I- 13% RRE 15% (2) (1) CRE Multifamily -7% (1) CRE Owner - 12% (1) CRE Investor Owned - 43% Loan Portfolio CRE (1) Investor Owned (Non-owner Occupied) # of Loans Weighted Average Loan-to-Value Ratio (3) Weighted Average Debt Coverage Ratio (3) CRE (1) Owner Occupied # of Loans Weighted Average Loan-to-Value Ratio (3) Weighted Average Debt Coverage Ratio (³) CRE (1) Multifamily # of Loans Weighted Average Loan-to-Value Ratio (3) Weighted Average Debt Coverage Ratio (³) 892 50.7% 2.07x 763 47.8% 2.69x 156 57.0% 1.61x Note: Numbers add up to 101% due to rounding (1) Commercial Real Estate (CRE) is a combination of Investor Owned, Owner Occupied, Multifamily, and Construction. Investor Owned (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 (2) 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 $2.2 million of HELOCs and $4.6 million in consumer loans (3) Weighted average DCR and weighted average LTV 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 13%. CRE Portfolio (¹) $3.74B Mixed Use - 3% Gas Station - 6% Multifamily - 10% Industrial - 10% Other - 9% Office - 15% H Hanmi Financial Corporation Retail - 29% Hospitality - 18% Administrative & Support Services - 4% Real Estate Rental & Leasing - 5% (1) $111.3 million, or 3.0%, of the CRE portfolio is unguaranteed SBA loans (2) $47.1 million, or 6.3%, of the C&I portfolio is unguaranteed SBA loans C&I Portfolio $753M Other - 30% Wholesale Trade - 6% (2) Manufacturing - 28% Finance & Insurance - 10% Healthcare - 9% Retail Trade - 8% 14#15($ in millions) Illinois $84 2% New York - $216 6% CRE Composition by State $3,738 Texas - $370 10% Other - $504 13% California - $2,565 69% H Hanmi Financial Corporation CRE Portfolio Geographical Exposure Construction by State $90 New York - $79 21% Texas - $64 17% Illinois - $14 2% New York $7 1% Multifamily by State $385 Texas - $47 6% Illinois - $14 4% Owner Occupied by State $719 Other - $17 3% Other - $193 27% California - $211 55% California $458 64% New York - $111 4% Texas - $259 10% ($ in millions) Other - $12 13% New York $18 20% Investor Owned (Non- owner Occupied) by State $2,544 California - $60 67% Illinois - $56 2% Other- $282 12% California - $1,836 72% 15#16Total Balance Average Median (3) Top Quintile Balance Top Quintile Loan Size Top Quintile Average Top Quintile Median Owner Occupied $719 $0.94 $0.30 $538 $1.1 or more $3.54 $2.00 CRE Investor Owned $2,544 $2.85 $1.12 $1,810 $3.3 or more $10.23 $6.64 Total Balance Average Median ($ in millions) Top Quintile Balance (³) Top Quintile Loan Size Top Quintile Average Top Quintile Median (1) Multifamily Construction $385 $90 $2.47 $8.96 $1.00 $3.84 $272 $55 $2.4 or more $23.4 or more $8.76 $27.50 $4.32 $27.50 Residential Real Estate & Equipment Finance Loan Portfolio Distribution Total Balance Average Median Residential Real Estate $887 $0.52 $0.45 $364 $0.7 or more $1.09 $0.90 (3) Top Quintile Balance Top Quintile Loan Size Top Quintile Average Top Quintile Median Equipment Finance $586 $0.05 $0.03 $299 $0.1 or more $0.12 $0.10 C&I (2) Term $372 $0.37 $0.05 $336 $0.1 or more $1.7 $0.23 ($ in millions) Lines of Credit $381 $0.68 $0.06 $329 $0.8 or more $4.21 $1.75 (2) ($ in millions) (1) Represents the total commitment available at origination. 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 (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 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 103.3 $ 126.0 51.1 101.5 381.9 61.3 4.6 447.8 352.4 28.1 828.3 $ 1-3 Years Note: numbers may not add due to rounding (1) $352.4 million of C&I are lines of credit expected to be renewed and maintain a maturity of less than one year 248.4 $ 244.2 207.0 424.4 1,124.0 28.3 0.1 1,152.4 117.5 180.7 1,450.6 $ Loan Portfolio Maturities >3 Years 739.0 $ 316.0 301.5 786.3 2,142.8 882.3 3,025.1 283.6 377.6 3,686.3 $ Total 1,090.7 686.2 559.6 1,312.2 3,648.7 89.6 887.0 4,625.3 753.5 586.4 5,965.2 17#18USKC (1) Loans & Deposits USKC portfolio represented $731.7 million in loans, or 12%, of the loan portfolio and $687.7 million in deposits, or 11%, of the deposit portfolio. USKC CRE portfolio had a weighted average debt coverage ratio (2) of 1.90x and weighted average loan-to- value (2) of 59.5%. USKC Loans - Top 10 Industries (as of 2Q23) Real Estate Investment Auto Part Manufacturer $742 28% Hotel Food Electronics/Home Appliances Computer Equipment Steel Healthcare Other 71% Education Golf Course $772 26% 75% 3% 4% 2% 2% 2% 1% 6% 4% USKC Loans by Product CRE $781 25% 75% 2Q22 3Q22 Note: Numbers may not add due to rounding H Hanmi Financial Corporation 4Q22 19% C&I $764 25% 75% 1Q23 23% 34% ($ in millions) $732 23% 77% 2Q23 USKC Deposits - Top 10 Industries (as of 2Q23) FNS Auto Part Manufacurer Steel Electronics/Home Appliances RE Investment/Leasing Research and Development Food All Other Financial Activities Foreign Financial Institution Hospitality Other $418 37% 63% Demand Noninterest-bearing $547 38% 3% 61% 4% 3% 3% 6% 6% 5% (3) USKC Deposits by Product ($ in millions) Money Market & Savings $575 38% 11% 58% 10% $565 32% 21% 60% $688 46% 49% 28% 2Q22 3Q22 4Q22 1Q23 U.S. subsidiaries of South Korean Corporations (2) Weighted average DCR and weighted average LTV when the loan was first underwritten or renewed subsequently Time deposits, not illustrated, are 5% at June 30, 2023. Therefore, the percentages do not add to 100% 2Q23 18#19The CRE office portfolio (¹) was $559.6 million at June 30, 2023, representing 9% of the total loan portfolio. 79% Portfolio by State 13% 4% Remaining = 1% 3% H Hanmi Financial Corporation Rate Distribution 31% (1) Segment represents exposure in CRE and excludes $18.4 million in construction (2) Weighted average DCR and weighted average LTV when the loan was first underwritten or renewed subsequently 69% Fixed Variable Office Loan Portfolio ● ● ● ● Median balance within the portfolio was $1.0 million ● Weighted average debt coverage ratio (2) of the segment was 2.01x • 19.2% of the portfolio is expected to reprice in 1 to 3 months Weighted average loan to value (2) of the segment was 57.1% No delinquent loans Criticized loans represented 0.37% of the office portfolio 19#20Hospitality portfolio represented $686.2 million or 12% of the loan portfolio at June 30, 2023. Airport 7% Resort - 6% Convention Center - 3% (2) Destination / Suburban - 32% (2) Metropolitan - 52% ● ● Hospitality Portfolio ● Average balance and median balance of the portfolio (excluding construction) were $3.5 million and $0.9 million, respectively Weighted average debt coverage ratio (1) of the segment was 2.28x Weighted average loan to value (1) of the segment was 50.7% $1.4 million, or 0.20%, of the hospitality portfolio was criticized as of June 30, 2023 One nonaccrual hospitality loan for $49 thousand in the Texas metropolitan (2) location (1) Weighted average DCR and weighted average LTV 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#21Residential Real Estate Portfolio The RRE(¹) portfolio was $887.0 million at June 30, 2023, representing 15% 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. (4) Jumbo Non-QM - 7% Non-QM Non-QM - 91% Jumbo Non-QM H Hanmi Financial Corporation (2) QM- 2% QM ● 29.8% of the Residential Real Estate portfolio is fixed and 70.2% is variable. Of the variable mortgage portfolio, 86.0% is expected to reset after 12 months and 14.0% within the next 12 months Total delinquencies are 0.15%, consisting of 0.4% within 30-59 days and 0.11% in 60-89 days delinquency categories. (1) RRE includes $2.2 million of Home Equity Line of Credit (HELOC) and $4.6 million in consumer loans (2) QM loans conform to the to-Repay (ATR) rules/requirements of CFPB (3) Non-QM loans do not conform to the Dodd-Frank Act (4) Jumbo Non-QM loan amounts exceed FHFA limits, but generally conform to the ATR/QM rules 21#22Equipment finance portfolio represented $586.4 million or 10% of the loan portfolio at June 30, 2023. Healthcare - 4% Portfolio by Industry Professional Services 4% Retail Trade 3% Other - 21% Transportation 31% Manufacturing - 11% Construction - 14% Waste Management - 12% H Hanmi Financial Corporation Portfolio by Equipment Trucks Machine Tools Earth Moving Trailers Software General Construction Medical/Dental 7% 6% Other 5% 5% Printing 3% 3% Computers 2% 3% Equipment Finance Portfolio 26% 40% 14% Portfolio by State Remaining = 45% 9% 3% 3% 4% 8% 6% 4% 4% 22#23Average Deposit Trend Strong deposit growth reflecting a 10% CAGR since 2013. Average noninterest-bearing deposits have grown by 13% CAGR since 2013, and now represents 37% of total deposits. ($ in millions) $2,391 69% 31% 2013 $2,872 69% 31% 2014 Average Noninterest-Bearing Deposits CAGR from 2013-2Q23: 13% Average Deposit CAGR from 2013-2Q23: 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 2019 2020 Interest-bearing deposits 59% 41% 2021 $5,950 55% 45% 2022 $6,145 63% 37% 2023 YTD 23#24Deposit Base Noninterest-bearing demand deposits represented 35% of total deposits at June 30, 2023. Estimated uninsured deposit liabilities, excluding preferred deposits and company deposits, were 38% of the total deposit liabilities. Brokered deposits remained low at 1% of the deposit base. Deposits Demand Noninterest-bearing Money Market & Savings Time >$250K $5,979 12% 35% -2% 47% 2Q22 $6,201 15% 33% 2% 45% 3Q22 $6,168 11% 21% 25% 2% 41% 4Q22 Note: Numbers may not add due to rounding H Hanmi Financial Corporation Demand Interest-bearing Time <= $250K $6,201 17% 21% 22% 2% 38% 1Q23 ($ in millions) $6,316 17% 21% 25% 2% 35% 2Q23 Deposits (as of 2Q23) O Average Interest-bearing Deposits 0.31% $3,157 2Q22 Personal $3,025 48% 0.78% $3,321 1.70% $3,487 Business $3,291 52% 2.73% $3,787 4Q22 3Q22 Average Balance of Interest-bearing Deposits Interest-bearing Deposit Costs 1Q23 ($ in millions) ($ in millions) 3.25% $3,966 2Q23 24#25Net Interest Income | Net Interest Margin Net interest income for the second quarter was $55.4 million and net interest margin (taxable equivalent) was 3.11%, both down from the previous quarter because of higher deposit interest expense. 3.55% $59.0 2Q22 3.66% $63.1 3Q22 3.67% $64.6 4Q22 Net Interest Income ($ in millions) H Hanmi Financial Corporation 3.28% $57.9 1Q23 NIM 3.11% $55.4 2Q23 3.28% 1Q23 0.09% Loans 0.04% Int-bearing deposits at banks NIM -0.35% IB-deposits Increase 0.04% FHLB Borrowings Decrease 0.01% Sub debt and Other liabilities 3.11% 2Q23 25#2622% of the loan portfolio reprices within 1-3 months. Loans - Months to Reset / Maturity (¹) $1,480.8 $1,333.1 $147.7 $417.3 $257.9 $159.4 $514.1 $129.4 $384.7 $643.6 $168.4 $475.2 1-3 Months 4-12 Months 1-2 Years 2-3 Years Fixed Variable H Hanmi Financial Corporation $2,007.0 $485.3 $1,521.7 ($ in millions) $907.9 $497.0 $410.8 3-5 Years >5 Years Net Interest Income Sensitivity Cost of CDs (2) Cost of CDs (4) 1.75% 0.39% 2Q22 Fed Funds Rate & Cost of CDs 3.07% $275.1 $161.5 $113.6 3Q23 3.25% 0.97% 3Q22 4.50% 2.17% 4Q22 4.02% Deposits - CD Maturities $1,014.4 $939.6 $74.8 4Q23 Wholesale 5.00% (1) Includes loans held for sale; numbers may not add due to rounding (2) Cost of CDs and interest-bearing deposits for the month of June 2023 was 3.81% and 3.37%, respectively (3) Fed funds rate represent the rate at the end of quarter (4) Represent weighted average contractual rates 3.31% 1Q23 4.18% $766.0 $749.9 $16.1 1Q24 Retail 5.25% 3.70% 2Q23 Fed Funds Rate (3) ($ in millions) 4.10% $334.7 $318.2 $16.5 2Q24 26#27Noninterest Income Noninterest income for the second quarter was $7.9 million, down 5% from the previous quarter, primarily on lower SBA gains. Service charges, fees & other Securities transactions $9.3 $2.8 $6.5 Noninterest Income 2Q22 $8.9 $2.3 $6.7 3Q22 $7.5 $1.9 $5.5 4Q22 H Hanmi Financial Corporation Gain on sale of SBA loans Legal settlements $8.3 $1.9 $6.5 ($ in millions) 1Q23 $7.9 $1.9 $1.2 $6.7 ($1.9) 2Q23 $0.3 4% 7.97% $67.9 $41.9 2Q22 2Q23 Service Charges and Fees $1.8 27% $0.8 12% $1.2 18% 6.67% $44.9 $43.7 Bank-owned life insurance income All other operating income SBA 7(a) Loan Production and Sales 3Q22 $2.6 39% SBA Production 5.99% $53.2 $40.9 Service charges on deposit accounts Trade finance and other service charges and fees Servicing income 4Q22 SBA Loan Sales 7.85% $34.5 ($ in millions) $29.7 1Q23 ($ in millions) 7.75% $30.9 $19.9 2Q23 SBA Trade Premium 27#28Continued focus on disciplined expense management. 1.83% $31.5 $3.8 $3.1 $4.6 $18.8 2Q22 1.88% $33.3 $4.6 $3.4 $4.7 $19.4 3Q22 Salaries and employee benefits Data Processing All other expenses 1.85% $33.8 $4.6 $1.8 $3.4 $3.7 $20.3 4Q22 H Hanmi Financial Corporation ($ in millions) 1.81% $32.8 $3.2 $3.3 $4.4 $20.6 1Q23 Occupancy and equipment Professional Fees 1.87% $34.3 $4.5 $3.5 $4.5 $20.4 2Q23 Noninterest expense / Average assets Noninterest Expense Noninterest expense was $34.3 million in the second quarter, up 4.5% from the prior quarter Salaries and employee benefit expense that represents approximately 60.0% of the noninterest expense remained relatively the same quarter over quarter despite inflationary pressure The efficiency ratio for the second quarter was 54.11% compared to 49.54% for the prior quarter 28#292.14% $36.9 2Q22 2.17% $38.7 3Q22 2.09% $38.2 ($ in millions) 1.84% 4Q22 Pretax, pre-provision income (1) Refer to PTPP schedule in appendix H Hanmi Financial Corporation $33.4 1Q23 1.58% $29.1 2Q23 Pretax, Pre-Provision Income (PTPP)(¹) PTPP / Average assets ● Pretax, pre-provision income was $29.1 million for the second quarter, down 12.9% from the prior quarter and down 21.2% from the same quarter last year • PTPP over average assets for 2Q23 was 1.58% compared with 1.84% for the prior quarter 29#30Asset quality remains strong. 0.07% $4.2 2Q22 Delinquent Loans (1) 0.09% $4.9 3Q22 0.13% $7.5 4Q22 Delinquent Loans (1) Asset Quality - Delinquent & Criticized Loans (1) Represents loans 30 to 89 days past due and still accruing H Hanmi Financial Corporation 0.26% $15.4 1Q23 ($ in millions) 0.23% $13.7 2Q23 Delinquent loans / Total loans 2.36% $133.5 $80.5 $53.0 2Q22 2.94% $170.7 $123.0 $47.7 3Q22 Criticized Loans Classified 2.10% $125.2 $79.0 $46.2 4Q22 1.87% $111.6 $64.3 $47.3 1Q23 Special Mention ($ in millions) Criticized loans / 1.40% Total loans $83.5 $44.6 $38.8 2Q23 30#31Nonperforming assets and loans remained relatively stable quarter over quarter. 0.17% $11.7 $0.7 $11.0 Asset Quality - Nonperforming Assets & Nonaccrual Loans 2Q22 Nonperforming Assets 0.17% $12.4 $0.8 $11.6 0.14% $10.0 $0.1 $9.8 4Q22 3Q22 Nonperforming loans 0.27% $20.2 $0.1 $20.1 1Q23 MOREO ($ in millions) 0.30% Nonperforming assets/ Total assets $22.3 $0.1 $22.2 2Q23 $11.0 $3.9 $1.3 $5.8 2Q22 (1) $11.6 $5.2 $0.9 $5.5 Nonaccrual Loans (1) 3Q22 Equipment Finance All other CRE and C&I < $3M (1) $9.8 $3.6 $5.7 4Q22 $20.1 $10.0 $2.9 $6.7 (1) 1Q23 (2) ($ in millions) (1) $22.2 Note: Numbers may not add due to rounding (1) Specific allowance for credit losses at June 30, 2022, September 30, 2022, December 31, 2022, March 31, 2023, and June 30, 2023 was $2.0 million, $2.2 million, $3.3 million, $6.2 million, and $7.4 million, respectively (2) RRE includes consumer loans H Hanmi Financial Corporation $10.0 $5.3 $6.9 2Q23 RRE All other CRE and C&I >= $3M 31#32Net charge-offs for the second quarter represented 0.12% of average loans on an annualized basis. $0.6 $0.0 $0.6 (1) 2Q22 Gross Charge-offs $2.1 $1.4 $0.7 3Q22 $1.2 $0.4 $0.8 4Q22 Equipment Finance Charge-offs Asset Quality - Gross & Net Loan Charge-offs (1) Gross charge-offs for all other loans in 2Q22 were $21 thousand H Hanmi Financial Corporation $2.2 $0.6 $1.6 1Q23 ($ in millions) $2.7 $0.1 $2.6 2Q23 All Other Loan Charge-offs 0.01% $0.1 $0.3 ($0.2) 2Q22 0.08% $1.1 $0.8 $0.3 3Q22 Net Charge-offs 0.02% $0.3 $0.6 ($0.3) 4Q22 Equipment Finance Net Charge-offs 0.10% $1.5 $0.4 $1.1 1Q23 ($ in millions) 0.12% $1.7 $2.3 ($0.6) 2Q23 All Other Loan Net Charge-offs Net Charge- offs / Average loans 32#33ACL Trends Allowance for credit losses was $71.0 million as of June 30, 2023, generating an allowance for credit losses to loans of 1.19% compared with 1.21% at the end of the prior quarter. 1.29% $73.1 2Q22 Allowance for Credit Losses 1.23% $71.6 3Q22 1.20% $71.5 4Q22 Allowance for credit losses H Hanmi Financial Corporation 1.21% $72.2 1Q23 ($ in millions) 1.19% $71.0 2Q23 ACL to Loans $1.6 2Q22 Credit Loss Expense (Recovery) ($ in millions) $0.6 3Q22 Credit loss recovery $0.1 4Q22 $2.1 1Q23 ($0.1) 2Q23 Credit loss expense 33#34($ in millions) CRE C&I Equipment Finance RRE & Consumer Total June 30, 2023 Allowance $ 38.4 16.0 11.9 4.7 $ 71.0 Loans $ 3,738.3 753.5 586.4 887.0 $ 5,965.2 Note: Numbers may not add due to rounding H Hanmi Financial Corporation March 31, 2023 Allowance $ 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 $ $ ACL Analysis by Loan Type 40.6 15.3 12.2 3.4 71.5 Loans $ 3,833.4 804.5 594.8 734.5 $ 5,967.1 September 30, 2022 Allowance $ $ 42.7 14.9 11.2 2.9 71.6 Loans $ 3,853.9 732.0 565.4 649.6 $ 5,801.0 Allowance $ June 30, 2022 $ 45.6 14.3 12.7 0.5 73.1 Loans $ 3,829.7 766.8 537.4 521.6 $ 5,655.4 34#35Securities Portfolio Securities portfolio (all AFS, no HTM) represented 13% of assets at June 30, 2023, and had a weighted average modified duration of 4.9 years with $119 million in an unrealized loss position. 11% of the portfolio's principal is expected to be paid down in 2023. US Agy CMO - 10% Available for Sale Municipal - 8% US Agy MBS Commerical 7% (1) Based on the book value (2) UST- 6% $956 Million Principal Interest $123 89% constitutes CRA bonds $106 2022 Actual (1) US Agy - 15% US Agy MBS - Residential - 54% $121 $19 $102 Principal Paydowns $154 2023 Projection US Agy Residential MBS - Maturity (3) 30 Year - 7% (2) 20 Year - 19% $137 2024 Projection $516 Million $137 $123 2025 Projection 15 Year - 74% ($ in millions) (3) 2023 Projection includes $37.8 million of actual principal paydown and $9.7 million of actual interest payment for the first six months of the year and $64.6 million of projected principal paydown and $9.1 million of projected interest payment for the balance of the year H Hanmi Financial Corporation US Agy CMO 10% Unrealized Loss Municipal - 10% US Agy MBS - Commercial 10% $119 Million > 5 Years 27% UST- 1% Securities Duration < 1 Year 10% 4.9 Years US Agy - 9% US Agy MBS - Residential - 60% 1 to 3 Year 15% 3 to 5 Years 48% Note: Numbers may not add due to rounding 35#36The Bank and the Company have ample liquidity resources at June 30, 2023. Liquidity Position Cash & cash equivalents Securities (unpledged) Liquid assets FHLB available borrowing capacity 1,294 FRB discount window borrowing capacity 26 115 Federal funds lines (unsecured) available Secondary liquidity sources 1,435 Bank liquidity (liquid assets + secondary liquidity) $ 2,564 Cash Securities (AFS) 2036 Trust Preferred Securitites 2031 Subordinated Debt $ Par $ Cash & Securities at Company only Balance $ Balance 345 784 1,129(1) 27 $ 110 13 26 39 ($ in millions) Amortized Cost 21 108 % of Assets Company only Subordinated Debentures 4.7% 10.7% 15.4%(1) 17.7% 0.4% 1.6% 19.6% 35.0% ($ in millions) ($ in millions) Rate (2) 6.95% (2 (3) 3.75% -Liquid Assets to Total Assets Liquid Assets to Total Liabilities 17.7% 17.1% 15.3% 1.8% 2Q22 $ 137 $ 129 (1) Liquid assets includes 1) cash & cash equivalents, 2) securities (unpledged), and 3) $7.3 million of loans held for sale (not shown above) (2) Rate at June 30, 2023, based on 3-month LIBOR + 140 bps Issued in August 2021 and due in July 2031. Commencing on September 1, 2026, the interest rate will reset quarterly to three-month SOFR + 310 bps H Hanmi Financial Corporation 17.4% 16.8% 15.2% 1.5% Liquidity Ratios 3Q22 19.0% ...... 17.7% 16.0% 1.3% 4Q22 -Liquid Assets to Deposits Broker Deposits to Deposits 19.7% 18.4% 16.5% 1.3% Liquidity 1Q23 18.0% 17.3% 15.5% 1.3% 2Q23 36#37Capital Management Tangible book value per share (TBVPS) (1) increased to $21.56 from $21.30 at the end of the prior quarter. 2Q23 TBVPS(¹) and TCE/TA(1) ratio were impacted by $84.6 million of negative AOCI reflecting changes in the value of the securities portfolio resulting from interest rate changes during the quarter. 8.74% $19.91 2Q22 TBVPS (1) & TCE/TA (1) 8.40% $19.60 3Q22 8.50% $20.54 4Q22 TBVPS (1) H Hanmi Financial Corporation 8.77% $21.30 1Q23 8.96% $21.56 2Q23 TCE / ΤΑ 3.04% 2Q22 ($66.6) 4.09% 3Q22 ($96.1) (1) Non-GAAP financial measure, refer to the non-GAAP reconciliation slides Rate at the end of the quarter (2) AOCI & 5-YR TSY 4.00% 4Q22 ($88.7) ДАОС 3.57% 1Q23 ($79.1) ($ in millions) (2) 5-YR 4.16% TSY 2Q23 ($84.6) 37#38The Company exceeds regulatory minimums and the Bank remains well capitalized at June 30, 2023. CET1 Capital Tier 1 Capital Total Capital 4.50% 6.00% Company 8.00% 2.50% 7.00% 11.90% 10.56% 12.25% 10.91% 2.50% Minimum Requirement Company 15.11% 13.78% 8.50% 2.50% 10.50% Capital Conservation Buffer (1) Pro Forma CET1 Capital Tier 1 Capital Total Capital (1) Pro form a illustrates capital ratios with unrealized loses at June 30, 2023. Non-GAAP financial measure; refer to the non-GAAP reconciliation slide H Hanmi Financial Corporation 6.50% 8.00% Regulatory Capital 13.39% 12.05% 13.39% 12.05% 10.00% Bank 14.45% 13.12% Well Capitalized Bank Pro Forma 38#39The Hanmi Story & Commitment to ESG 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) 39#40(Environmental)SG 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) 40#41E(Social) G 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) 41#42ES(Governance) 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) 42#43Appendix H Hanmi Financial Corporation 43#44($ 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 $ $ $ $ June 30, 2023 55.4 7.9 63.4 34.3 (0.1) 29.2 8.5 20.6 0.67 1.12% 11.14% $ 5,965 $ 6,316 7,345 669 8.96% 3.11% 54.11% $ $ $ March 31, 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 57.9 8.3 66.2 32.8 2.1 31.3 9.3 22.0 0.72 5,980 6,201 7,434 662 1.21% 12.19% 8.77% 3.28% 49.54% $ $ $ $ $ 2Q23 Financial Summary June 30, 2022 59.0 9.3 68.4 31.5 1.6 35.3 10.2 25.1 0.82 5,655 5,979 6,956 618 1.45% 14.92% 8.74% 3.55% 46.05% Q/Q Change -4.2% -4.8% -4.3% 4.5% -103.6% -6.8% -8.0% -6.2% -0.3% 1.9% -1.2% 1.0% (9) (105) 19 (17) (1) Y/Y -6.1% -14.8% -7.3% 8.9% -104.8% -17.4% -16.6% -17.7% 5.5% 5.6 5.6% 8.2% (33) (378) 22 (44) 806 44#45($ in millions) Net interest revenue Noninterest income Noninterest expense PTPP Average assets PTPP/Average assets $ $ $ Note: numbers may not add due to rounding June 30, 2023 H Hanmi Financial Corporation 55.4 7.9 34.3 29.1 $ 7,374.6 $ 1.58% $ Pretax, Pre-Provision Income (PTPP) Schedule March 31, 2023 57.9 8.3 32.8 33.4 7,367.2 1.84% December 31, 2022 $ $ $ 64.6 7.5 33.8 38.2 7,252.2 2.09% September 30, 2022 63.1 $ $ 8.9 33.3 38.7 7,095.4 2.17% $ $ $ June 30, 2022 59.0 9.3 31.5 36.9 6,919.7 2.14% 45#46Non-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 $ $ $ $ June 30, 2023 7,344,924 $ (11,162) 7,333,762 9.10% 8.96% $ 668,560 (11,162) 657,398 $ 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 $ 7,128,511 (11,225) (11,267) $ 7,367,037 7,117,244 $ $ 637,515 $ (11,225) 626,290 $ 8.64% 8.50% $ 30,485,621 20.54 September 30, 2022 608,893 $ (11,267) 597,626 $ 8.54% 8.40% $ 30,484,004 19.60 $ June 30, 2022 6,955,968 (11,310) 6,944,658 618,296 (11,310) 606,986 8.89% 8.74% 30,482,990 19.91 46#47($ in thousands) Regulatory capital Unrealized losses on AFS securities Adjusted regulatory capital Non-GAAP Reconciliation: Pro Forma 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 Note: numbers may not add due to rounding H Hanmi Financial Corporation Common Equity Tier 1 $ 730,721 (84,639) $ 646,082 $ 6,141,199 (20,498) $ 6,120,701 11.90% -1.34% 10.56% Company Tier 1 $ 752,172 (84,639) $ 667,533 $ 6,141,199 (20,498) $ 6,116,652 12.25% -1.34% 10.91% Total Risk-Based $ 927,843 (84,639) $ 843,204 $ 6,141,199 (20,498) $ 6,116,652 15.11% -1.33% 13.78% Common Equity Tier 1 $ 821,995 (84,445) $ 737,550 $ 6,141,109 (21,030) $ 6,120,079 13.39% -1.33% 12.05% Bank Tier 1 $ 821,995 (84,445) $ 737,550 $ 6,141,109 (21,030) $ 6,120,079 13.39% -1.33% 12.05% Total Risk-Based $ 887,666 (84,445) $ 803,221 $ 6,141,109 (21,030) $ 6,120,079 14.45% -1.33% 13.12% 47