Hanmi Financial Results Presentation Deck

ACL Trends Allowance for credit losses was $69.5 million as of December 31, 2023, generating an allowance for credit losses to loans of 1.12% consistent with the prior quarter. 1.20% $71.5 4Q22 Allowance for Credit Losses 1.21% $72.2 1Q23 1.19% $71.0 2Q23 Allowance for credit losses H Hanmi Financial Corporation 1.12% $67.3 3Q23 ($ in millions) 1.12% $69.5 4Q23 ACL to Loans $0.1 4Q22 Credit Loss Expense (Recovery) ($ in millions) $2.1 1Q23 Credit loss recovery ($0.1) 2Q23 $5.2 3Q23 ($2.9) 4Q23 Credit loss expense 34

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