Hanmi Financial Results Presentation Deck

Net 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

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