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Investor Presentaiton

Substantial Opportunities for Acquisitions: Chinese-American Banks Across the U.S. Chinese-American bank universe, including RBB, comprised of 37 banks': Chinese-American Bank¹ Locations in the U.S. (as of June 7, 2017) West Coast Texas, Midwest and East Coast O Current RBB branch locations Other Chinese-American bank' branches • 3 publicly-traded • 30 locally-owned • 4 subsidiaries of Taiwanese or Chinese banks Other Asian-American banks also represent compelling acquisition opportunities Target markets include select Metropolitan Statistic Areas ("MSAS") that fulfill the following conditions: High concentration of Asian-Americans High number of Chinese-American banks² and branches Identified strategic expansion areas Current markets HAWAII Specific Target Markets MSA Total Population Asian American Population Chinese-American Actual % of Total Banks² Branches New York-Newark-Jersey City, NY-NJ-PA 20,338,187 2,283,791 11.2% 8 50 Los Angeles-Long Beach-Anaheim, CA 13,502,916 2,145,175 15.9% 18 157 San Francisco-Oakland-Hayward, CA 4,737,729 1,227,422 25.9% 4 50 Chicago-Naperville-Elgin, IL-IN-WI 9,563,680 639,078 6.7% 3 15 Houston-The Woodlands-Sugar Land, TX Urban Honolulu, HI 6,866,117 531,106 7.7% 2 16 1,009,834 414,117 41.0% 1 12 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 6,096,952 364,862 6.0% 1 2 Las Vegas-Henderson-Paradise, NV 2,173,843 218,389 10.0% 0 3 (1) Chinese-American bank universe as defined by RBB's management team (2) Count refers to total number of Chinese-American banks that are headquartered in the indicated MSA Source: SNL Financial, 2010 Census מו RBB BANCORP 皇佳商業金控 8
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