Hanmi Financial Results Presentation Deck

Noninterest Income Noninterest income for the fourth quarter was $6.7 million, down 40% from the previous quarter primarily due to the third quarter benefitting from a $4.0 million gain on a branch sale-and-leaseback. Service charges, fees & other Securities transactions $7.5 $1.9 $5.5 Noninterest Income 4Q22 $8.3 $1.9 $6.5 1Q23 $7.9 $1.9 $1.2 $6.7 ($1.9) 2Q23 H Hanmi Financial Corporation Gain on sale of SBA loans Legal settlements $11.2 $1.2 $10.0¹) 3Q23 Numbers may not add due to rounding (1) Includes $4.0 million gain on the sale-and-leaseback of bank premises ($ in millions) $6.7 $1.4 $5.3 4Q23 5.99% $53.2 $40.9 4Q22 4Q23 Service Charges and Fees $0.9 17% $0.8 15% $1.2 23% 7.85% $34.5 SBA 7(a) Loan Production and Sales $29.7 1Q23 SBA Production $2.4 45% 7.75% $30.9 Service charges on deposit accounts Trade finance and other service charges and fees Servicing income All other operating income $19.9 2Q23 SBA Loan Sales 6.84% $36.1 ($ in millions) $21.0 3Q23 ($ in millions) 6.17% $48.4 $29.9 4Q23 SBA Trade Premium 20

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