Hanmi Financial Results Presentation Deck

Commercial Real Estate (CRE) (1) Portfolio Outstanding ($ in millions) $3,738 2Q23 Average Yield 5.27% Residential Real Estate (RRE) (²) Portfolio Outstanding ($ in millions) $887 2Q23 Average Yield 4.63% Commercial & Industrial (C&I) Portfolio Outstanding ($ in millions) $753 2Q23 Average Yield 8.92% Equipment Finance Portfolio Outstanding ($ in millions) 2Q23 Average Yield $586 5.39% $5.97 Billion Loan Portfolio (as of June 30, 2023) Equipment Finance - 10% (1) CRE Construction - 1% C&I- 13% RRE 15% (2) (1) CRE Multifamily -7% (1) CRE Owner - 12% (1) CRE Investor Owned - 43% Loan Portfolio CRE (1) Investor Owned (Non-owner Occupied) # of Loans Weighted Average Loan-to-Value Ratio (3) Weighted Average Debt Coverage Ratio (3) CRE (1) Owner Occupied # of Loans Weighted Average Loan-to-Value Ratio (3) Weighted Average Debt Coverage Ratio (³) CRE (1) Multifamily # of Loans Weighted Average Loan-to-Value Ratio (3) Weighted Average Debt Coverage Ratio (³) 892 50.7% 2.07x 763 47.8% 2.69x 156 57.0% 1.61x Note: Numbers add up to 101% due to rounding (1) Commercial Real Estate (CRE) is a combination of Investor Owned, Owner Occupied, Multifamily, and Construction. Investor Owned (or non-owner occupied) property is where the investor does not occupy the property. The primary source of repayment stems from the rental income associated with the respective properties. Owner occupied property is where the borrower owns the property and also occupies it. The primary source of repayment is the cash flow from the ongoing operations and activities conducted by the borrower/owner. Multifamily real estate is a residential property that has 5 or more housing units (2) Residential real estate is a loan (mortgage) secured by a single family residence, including one to four units (duplexes, triplexes, and fourplexes). RRE also includes $2.2 million of HELOCs and $4.6 million in consumer loans (3) Weighted average DCR and weighted average LTV when the loan was first underwritten or renewed subsequently H Hanmi Financial Corporation 13

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