Hanmi Financial Results Presentation Deck

Hospitality segment represented $740.5 million or 12% of the loan portfolio at December 31, 2023. Resort - 8% Convention Center - 3% Airport 7% (2) Destination / Suburban - 30% (2) Metropolitan - 52% ● Hospitality Segment ● Average balance and median balance of the segment (excluding construction) were $3.8 million and $0.9 million, respectively Weighted average debt coverage ratio (1) of the segment was 2.2x Weighted average loan to value (1) of the segment was 51.1% $1.8 million, or 0.25%, of the hospitality segment was criticized at December 31, 2023 • Segment includes three nonaccrual loans for $488 thousand - one in the metropolitan (2) area in Texas, and two in the suburban/destination areas in Tennessee and Washington (1) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently (2) Metropolitan is categorized as a location that is in a major city and in proximity to downtown areas; destination is categorized as a hotel whose location/amenities make it a distinct tourist location; suburban is defined as areas outside of major city hubs and can include more rural areas H Hanmi Financial Corporation 20

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