Investor Presentaiton

Outlook Loan pipeline expected to support double-digit loan growth • Residential mortgage loan production positively impacted by expansion of lending activity in Las Vegas, Northern California and San Diego • SBA loan production will remain at lower level until additional loan officers are hired Net interest margin expected to benefit from additional rate increases • • Approximately 70% of variable rate loans are above floors Declining impact of accretion income will limit NIM expansion Wealth Management business launching at beginning of 2018 • Steady, recurring fee income will provide new source of revenue growth and diversification Modest increase in expense levels • Increase in headcount related to personnel added to strengthen infrastructure and the launch of the Wealth Management business Consolidation of offices into new headquarters will provide modest cost savings Continued balance sheet growth should drive further improvement in profitability RBB BANCORP 皇佳商業金控 22 22

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