Hanmi Financial Results Presentation Deck

Net charge-offs for the second quarter represented 0.12% of average loans on an annualized basis. $0.6 $0.0 $0.6 (1) 2Q22 Gross Charge-offs $2.1 $1.4 $0.7 3Q22 $1.2 $0.4 $0.8 4Q22 Equipment Finance Charge-offs Asset Quality - Gross & Net Loan Charge-offs (1) Gross charge-offs for all other loans in 2Q22 were $21 thousand H Hanmi Financial Corporation $2.2 $0.6 $1.6 1Q23 ($ in millions) $2.7 $0.1 $2.6 2Q23 All Other Loan Charge-offs 0.01% $0.1 $0.3 ($0.2) 2Q22 0.08% $1.1 $0.8 $0.3 3Q22 Net Charge-offs 0.02% $0.3 $0.6 ($0.3) 4Q22 Equipment Finance Net Charge-offs 0.10% $1.5 $0.4 $1.1 1Q23 ($ in millions) 0.12% $1.7 $2.3 ($0.6) 2Q23 All Other Loan Net Charge-offs Net Charge- offs / Average loans 32

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