Hanmi Financial Results Presentation Deck

ACL Trends Allowance for credit losses was $71.0 million as of June 30, 2023, generating an allowance for credit losses to loans of 1.19% compared with 1.21% at the end of the prior quarter. 1.29% $73.1 2Q22 Allowance for Credit Losses 1.23% $71.6 3Q22 1.20% $71.5 4Q22 Allowance for credit losses H Hanmi Financial Corporation 1.21% $72.2 1Q23 ($ in millions) 1.19% $71.0 2Q23 ACL to Loans $1.6 2Q22 Credit Loss Expense (Recovery) ($ in millions) $0.6 3Q22 Credit loss recovery $0.1 4Q22 $2.1 1Q23 ($0.1) 2Q23 Credit loss expense 33

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