Hanmi Financial Results Presentation Deck
Forward-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
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