Hanmi Financial Results Presentation Deck

Retail segment represented $1.1 billion or 18% of the loan portfolio at December 31, 2023. Illinois 2% Georgia 3% Texas 13% Other 10% California 72% H Hanmi Financial Corporation Retail Segment Average balance and median balance of the segment were $1.5 million and $0.7 million, respectively Weighted average debt coverage ratio (¹) of the segment was 2.02x Weighted average loan to value (1) of the segment was 47.50% $11.4 million, or 1.03%, of the retail segment was criticized at December 31, 2023 (1) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently • $2.0 million, or 0.18%, of the retail segment were on nonaccrual status at December 31, 2023 21

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