Hanmi Financial Results Presentation Deck

Noninterest Income Noninterest income for the second quarter was $7.9 million, down 5% from the previous quarter, primarily on lower SBA gains. Service charges, fees & other Securities transactions $9.3 $2.8 $6.5 Noninterest Income 2Q22 $8.9 $2.3 $6.7 3Q22 $7.5 $1.9 $5.5 4Q22 H Hanmi Financial Corporation Gain on sale of SBA loans Legal settlements $8.3 $1.9 $6.5 ($ in millions) 1Q23 $7.9 $1.9 $1.2 $6.7 ($1.9) 2Q23 $0.3 4% 7.97% $67.9 $41.9 2Q22 2Q23 Service Charges and Fees $1.8 27% $0.8 12% $1.2 18% 6.67% $44.9 $43.7 Bank-owned life insurance income All other operating income SBA 7(a) Loan Production and Sales 3Q22 $2.6 39% SBA Production 5.99% $53.2 $40.9 Service charges on deposit accounts Trade finance and other service charges and fees Servicing income 4Q22 SBA Loan Sales 7.85% $34.5 ($ in millions) $29.7 1Q23 ($ in millions) 7.75% $30.9 $19.9 2Q23 SBA Trade Premium 27

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