Hanmi Financial Results Presentation Deck

Asset Quality - Gross & Net Loan Charge-offs Net charge-offs for the fourth quarter reflected $6.2 million in recoveries, primarily stemming from $6.1 million in recovery from a 2019 troubled loan relationship. Gross Charge-offs $1.2 $0.4 $0.8 4Q22 $2.2 $0.6 $1.6 $2.7 1Q23 $2.6 2Q23 Equipment Finance Charge-offs H Hanmi Financial Corporation $9.4 $6.6 $2.8 ($ in millions) $1.8 $1.8 3Q23 All Other Loan Charge-offs 4Q23 0.02% $0.3 $0.6 ($0.3) 4Q22 0.10% $1.5 $0.4 $1.1 Net Charge-offs 0.12% $1.7 $2.3 ($0.6) 1Q23 2Q23 Equipment Finance Net Charge-offs 0.60% $8.9 $6.4 $2.5 ($ in millions) -0.33% $1.2 ($6.2) ($5.0) 4Q23 3Q23 All Other Net Charge-offs Net Charge- offs / Average loans Note: Numbers may not add due to rounding 24

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