Hanmi Financial Results Presentation Deck

Commercial Real Estate (CRE) (1,2) Portfolio Outstanding ($ in millions) $3,890 4Q23 Average Yield 5.52% Residential Real Estate (RRE) (³) Portfolio Outstanding ($ in millions) $963 4Q23 Average Yield 4.98% Commercial & Industrial (C&I) (¹) Portfolio Outstanding ($ in millions) $748 4Q23 Average Yield 8.96% Equipment Finance Portfolio Outstanding ($ in millions) 4Q23 Average Yield $582 5.85% $6.2 Billion Loan Portfolio (as of December 31, 2023) Equipment Finance - 9% (2) CRE Construction - 2% C&I- 12% RRE (3) 16% (2) CRE Multifamily -7% (2) CRE Owner - 12% CRE Investor (non- owner) (2) - 42% Loan Portfolio CRE (2) Investor (non-owner) # of Loans Weighted Average Loan-to-Value Ratio (4) Weighted Average Debt Coverage Ratio (4) CRE (2) Owner Occupied # of Loans Weighted Average Loan-to-Value Ratio (4) Weighted Average Debt Coverage Ratio (4) CRE (2) Multifamily # of Loans Weighted Average Loan-to-Value Ratio (4) Weighted Average Debt Coverage Ratio (4) 893 50.3% 2.06x 753 47.8% 2.69x 155 55.1% 1.57x Note: Numbers may not add due to rounding (1) Includes syndicated loans of $297.8 million in total commitments ($239.3 million disbursed) across C&I ($238.4 million committed and $179.9 million disbursed) and CRE ($59.4 million committed and disbursed) (2) Commercial Real Estate (CRE) is a combination of Investor (non-owner), Owner Occupied, Multifamily, and Construction. Investor (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. (3) 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 $1.9 million of HELOCs and $4.5 million in consumer loans (4) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently H Hanmi Financial Corporation со 6

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