Hanmi Financial Results Presentation Deck

Net Interest Income | Net Interest Margin Net interest income for the fourth quarter was $53.1 million and net interest margin (taxable equivalent) was 2.92%, both down from the previous quarter stemming from higher cost of interest-bearing deposits. 3.67% $64.6 4Q22 3.28% $57.9 1Q23 3.11% $55.4 2Q23 Net Interest Income ($ in millions) H Hanmi Financial Corporation 3.03% $54.9 3Q23 NIM 2.92% $53.1 4Q23 3.03% 3Q23 0.23% Loans -0.08% Other earning assets ☐NIM -0.17% IB-deposits Increase -0.09% FHLB Borrowings & other IB liabilities Decrease 2.92% 4Q23 26

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