Investor Presentaiton

Investment Highlights ❤ High-performing community bank with defined and proven strategy to grow both organically and through acquisitions . • High level of insider ownership and deposit concentration aligns interest with investors Experienced management team and Board of Directors with demonstrated industry knowledge, regulatory relationships, lending expertise and community involvement Niche markets with concentration on Asian Americans Products structured to address the needs of underserved individuals and businesses within those markets - Significant opportunities for future acquisitions across the U.S. Conservative risk profile with focused and diversified lending strategy and asset sensitive balance sheet • Sound asset quality from conservative credit culture and strict underwriting standards • Asset sensitive balance sheet benefits from rising interest rates Track record of attractive profitability • Diversified revenue with four lending products spread across multiple industries, geographies, and demographics • Substantial noninterest income growth Existing infrastructure supports bank growth RBB BANCORP 皇佳商業金控 4

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