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Outstanding Financial Performance Core Return on Average Assets¹ 0.42% 0.79% 1.68% 1.32% 1.16% 1.05% 2012 2013 2014 2015 67.87% 2012 Efficiency Ratio (FTE) 62.69% 56.07% 2013 2014 48.73% 2015 Core Return on Average Tangible Common Equity¹ 7.58% 6.02% 4.30% 2.69% 2016 2017Q3 2012 2013 2014 2015 42.38% 38.87% 2016 2017Q3 Note: 2017Q3 profitability metrics reflect annualized values for the quarter (1) Non-GAAP reconciliation in Appendix on page 27 for RBB's calculation of core, or "adjusted," earnings metrics 12.98% 12.34% 2016 2017Q3 Noninterest Income / Average Assets 0.40% 0.51% 0.78% 0.68% 0.66% 2012 2013 2014 2015 2016 0.95% 2017Q3 RBB BANCORP 皇佳商業金控 19

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