Hanmi Financial Results Presentation Deck
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Strong average deposit growth
reflecting a 10% CAGR since 2013
• Average noninterest-bearing deposit
at $2.2 billion, represents 35% of
average deposits at December 31,
2023 year-to-date, and reflects a
11% CAGR since 2013
• Business deposits represent 52% of
total deposits at December 31,
2023
• Cash dividend of $0.25 per share,
demonstrating management's confidence
in the Company's performance
• Tangible common equity to tangible
assets (1) was 9.14% at the end of the
●
Fourth quarter. Common equity tier 1
capital ratio was 11.86% and total capital
ratio was 14.95%
Bank remains well-capitalized and
Company exceeds minimum capital
requirements at December 31, 2023
H Hanmi Financial Corporation
Premier Deposit
Franchise
Prudent Capital
Management
Diversified Loan
Portfolio and
Disciplined
Credit
Administration
Strong Culture
and
Commitment to
Corporate
Sustainability (2)
(1) Non-GAAP financial measure; refer to the non-GAAP reconciliation slide
(2) Based on the 2023 Hanmi ESG Report (published on April 2023)
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Strong average loan growth reflecting an
11% CAGR since 2013
Why Hanmi?
• Significant progress reducing CRE
concentration from 85% of the total portfolio,
at December 31, 2013 to 63%, at December
31, 2023, through portfolio diversification that
includes equipment finance, RRE, and multi-
family
●
• Allowance for credit losses to loans was
1.12% at December 31, 2023 and
nonperforming assets were 0.21% of total
assets
●
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Hanmi Financial Corporation received
highest ISS ESG designation in
Governance in 2022(2)
• $7.5 million long-term commitment to
a Community Reinvestment Act
fund (2)
426 Hanmi Bank Dream Scholarships
awarded to support at-risk youth
program (2)
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