2Q21 Earnings Supplemental Presentation July 27, 2021 1 Hanmi Financial Corporation Forward-Looking Statements Hanmi Financial Corporation (the "Company") cautions investors that any statements contained herein that are not historical facts are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, including, but not limited to, those statements regarding operating and financial performance, financial position and liquidity, bus ...

Part I – Financial Information [Financial Statements](index=3&type=section&id=Item%201.%20Financial%20Statements) Unaudited consolidated financial statements for Q1 2021, including balance sheets, income, comprehensive income, equity, and cash flow [Consolidated Balance Sheets](index=3&type=section&id=Consolidated%20Balance%20Sheets) Total assets grew to **$6.44 billion** driven by increased cash and deposits, while net loans slightly decreased Consolidated Balance Sheet Highlights (Unaudited) | Account | March 31, 2021 (in millions) | December 31, 2020 (in millions) | | :--- | :--- | :--- | | **Total Assets** | **$6,438.4M** | **$6,201.9M** | | Cash and due from banks | $646.4M | $391.8M | | Loans receivable, net | $4,728.8M | $4,789.7M | | **Total Liabilities** | **$5,856.6M** | **$5,624.8M** | | Total deposits | $5,509.8M | $5,275.0M | | **Total Stockholders' Equity** | **$581.8M** | **$577.0M** | [Consolidated Statements of Income](index=4&type=section&id=Consolidated%20Statements%20of%20Income) Net income surged to **$16.7 million** in Q1 2021, primarily due to reduced credit loss expense and higher noninterest income Consolidated Income Statement Highlights (Unaudited) | Metric | Three Months Ended March 31, 2021 (in millions) | Three Months Ended March 31, 2020 (in millions) | | :--- | :--- | :--- | | Net interest income before credit loss expense | $46.0M | $44.0M | | Credit loss expense | $2.1M | $15.7M | | **Net Income** | **$16.7M** | **$2.4M** | | **Diluted earnings per share** | **$0.54** | **$0.08** | [Consolidated Statements of Comprehensive Income](index=5&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income) Comprehensive income decreased to **$8.3 million** in Q1 2021, primarily due to an **$8.4 million** other comprehensive loss Comprehensive Income (Unaudited) | Item | Three Months Ended March 31, 2021 (in millions) | Three Months Ended March 31, 2020 (in millions) | | :--- | :--- | :--- | | Net Income | $16.7M | $2.4M | | Other comprehensive (loss) income, net of tax | ($8.4M) | $8.5M | | **Comprehensive Income** | **$8.3M** | **$10.8M** | [Consolidated Statements of Changes in Stockholders' Equity](index=6&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Stockholders%27%20Equity) Stockholders' equity increased to **$581.8 million** driven by net income, partially offset by unrealized losses and dividends - Declared cash dividends of **$0.10 per share**, totaling **$3.1 million** for the quarter[16](index=16&type=chunk) - Repurchased **55,000 shares** of common stock for **$0.946 million** during the quarter[16](index=16&type=chunk) [Consolidated Statements of Cash Flows](index=7&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Cash and due from banks increased by **$254.6 million**, primarily from financing activities driven by deposit growth Cash Flow Summary (Unaudited) | Cash Flow Activity | Three Months Ended March 31, 2021 (in millions) | | :--- | :--- | | Net cash provided by operating activities | $6.6M | | Net cash provided by investing activities | $17.3M | | Net cash provided by financing activities | $230.7M | | **Net increase in cash and due from banks** | **$254.6M** | [Notes to Consolidated Financial Statements](index=8&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) Detailed disclosures on accounting policies, loan portfolio, securities, deposits, borrowings, and regulatory capital - At March 31, 2021, the company held **$256.5 million** of Paycheck Protection Program (PPP) loans, included in commercial and industrial loans[35](index=35&type=chunk) - Loans modified under the CARES Act totaled **$116.4 million** at March 31, 2021[35](index=35&type=chunk) - The allowance for credit losses decreased to **$88.4 million** at March 31, 2021, from **$90.4 million** at December 31, 2020[41](index=41&type=chunk) - Total deposits grew to **$5.51 billion**, with noninterest-bearing deposits increasing to **$2.17 billion**, representing **39.5%** of total deposits[10](index=10&type=chunk)[203](index=203&type=chunk) - The company and Hanmi Bank remain **'well capitalized'** under regulatory standards, with the Bank's Common Equity Tier 1 (CET1) capital ratio at **14.01%** as of March 31, 2021[94](index=94&type=chunk)[97](index=97&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=39&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses Q1 2021 financial results, highlighting increased net income, improved credit quality, and stable capital [Executive Overview](index=41&type=section&id=MD%26A_Executive_Overview) Q1 2021 net income was **$16.7 million**, driven by lower credit loss expense, with increased cash and deposits - Net income increased primarily due to a **$7.4 million** qualitative provision for COVID-19 in the prior year period, along with other specific provisions in 2020 that did not recur in 2021[154](index=154&type=chunk) - Deposits grew to **$5.51 billion**, up from **$5.28 billion** at year-end 2020, led by a **$275.9 million** increase in non-interest bearing demand deposits[156](index=156&type=chunk) [Results of Operations](index=41&type=section&id=MD%26A_Results_of_Operations) Net interest income increased to **$46.0 million**, credit loss expense decreased, and noninterest income rose Net Interest Income Analysis | Metric | Q1 2021 | Q1 2020 | | :--- | :--- | :--- | | Net Interest Income (tax-equiv.) | $46.0M | $44.0M | | Net Interest Margin (tax-equiv.) | 3.09% | 3.36% | | Average Yield on Earning Assets | 3.50% | 4.50% | | Average Cost of Interest-Bearing Liabilities | 0.69% | 1.70% | - Noninterest income increased by **$3.6 million** YoY, primarily due to a **$2.5 million** gain on sale of PPP loans and a **$0.5 million** increase in gain on sale of SBA 7(a) loans[169](index=169&type=chunk) - Noninterest expense decreased by **$1.5 million** YoY, mainly from lower salaries and benefits (due to capitalized PPP origination costs) and reduced professional fees[171](index=171&type=chunk) [Financial Condition](index=45&type=section&id=MD%26A_Financial_Condition) Financial condition improved with decreased nonperforming assets and strong deposit growth to **$5.51 billion** Credit Quality Indicators | Metric | March 31, 2021 | December 31, 2020 | | :--- | :--- | :--- | | Nonperforming Assets | $56.6M | $85.4M | | Nonaccrual Loans | $55.1M | $83.0M | | Nonperforming Assets / Total Assets | 0.88% | 1.38% | | Allowance for Credit Losses / Loans | 1.83% | 1.85% | | Allowance for Credit Losses / Nonaccrual Loans | 160.54% | 108.91% | - Loans modified under the CARES Act declined **25.0%** to **$116.4 million** at March 31, 2021 from **$155.6 million** at December 31, 2020[188](index=188&type=chunk) - Net charge-offs were **$3.0 million**, or **0.25%** of average loans (annualized), for Q1 2021, a significant decrease from **$27.3 million**, or **2.41%**, in Q1 2020[201](index=201&type=chunk)[202](index=202&type=chunk) [Capital Resources and Liquidity](index=52&type=section&id=MD%26A_Capital_Resources_and_Liquidity) Strong capital position maintained, exceeding regulatory requirements, with increased dividends and adequate liquidity - The Board increased the quarterly cash dividend to **$0.10 per share** in Q1 2021 and authorized a further increase to **$0.12 per share** for Q2 2021, signaling confidence in the company's performance[213](index=213&type=chunk) Regulatory Capital Ratios (Hanmi Bank) | Ratio | March 31, 2021 | 'Well Capitalized' Minimum | | :--- | :--- | :--- | | Total Risk-Based Capital | 15.26% | 10.00% | | Tier 1 Risk-Based Capital | 14.01% | 8.00% | | Common Equity Tier 1 Capital | 14.01% | 6.50% | | Tier 1 Leverage Capital | 10.99% | 5.00% | [Quantitative and Qualitative Disclosures About Market Risk](index=53&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) The company is asset-sensitive, projecting a **5.63%** increase in net interest income with a **100 bps** rate rise Interest Rate Sensitivity Analysis (as of March 31, 2021) | Change in Interest Rate | Estimated % Change in Net Interest Income (1-12 Month Horizon) | Estimated % Change in Economic Value of Equity (EVE) | | :--- | :--- | :--- | | +300 bps | 16.92% | 29.45% | | +200 bps | 11.13% | 21.82% | | +100 bps | 5.63% | 12.97% | | -100 bps | (3.65%) | (23.57%) | [Controls and Procedures](index=53&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that disclosure controls and procedures were effective as of March 31, 2021 - Management concluded that the Company's disclosure controls and procedures are effective as of the end of the quarter[224](index=224&type=chunk) Part II – Other Information [Legal Proceedings](index=54&type=section&id=Item%201.%20Legal%20Proceedings) Ordinary course litigation is not expected to materially impact the company's financial condition or operations - In the opinion of management, the resolution of any ordinary course litigation would not have a material adverse impact on the company[226](index=226&type=chunk) [Risk Factors](index=54&type=section&id=Item%201A.%20Risk%20Factors) No material changes in risk factors from the 2020 Annual Report on Form 10-K are reported - No material changes in risk factors from the 2020 Form 10-K are reported[227](index=227&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=54&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) Stock repurchase program reinstated in February 2021, with **55,000 shares** repurchased in Q1 - The company's stock repurchase program, which was suspended due to the COVID-19 outbreak, was reinstated in February 2021[228](index=228&type=chunk) Common Stock Repurchases in Q1 2021 | Period | Total Shares Purchased | Average Price Paid Per Share | | :--- | :--- | :--- | | Jan 2021 | 0 | N/A | | Feb 2021 | 25,000 | $16.86 | | Mar 2021 | 30,000 | $17.48 | | **Total** | **55,000** | **$17.20** | [Defaults Upon Senior Securities](index=54&type=section&id=Item%203.%20Defaults%20Upon%20Senior%20Securities) No defaults upon senior securities were reported - No defaults upon senior securities were reported[230](index=230&type=chunk) [Mine Safety Disclosures](index=54&type=section&id=Item%204.%20Mine%20Safety%20Disclosures) Mine safety disclosures are not applicable - Not applicable[231](index=231&type=chunk) [Other Information](index=54&type=section&id=Item%205.%20Other%20Information) No other information was reported - No other information was reported[232](index=232&type=chunk) [Exhibits](index=55&type=section&id=Item%206.%20Exhibits) Exhibits filed include CEO and CFO certifications and Inline XBRL documents - Exhibits filed include CEO and CFO certifications (**31.1**, **31.2**, **32.1**, **32.2**) and Inline XBRL data files[234](index=234&type=chunk)

1Q21 Earnings Supplemental Presentation April 27, 2021 1 Hanmi Financial Corporation Forward-Looking Statements Hanmi Financial Corporation (the "Company") cautions investors that any statements contained herein that are not historical facts are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, including, but not limited to, those statements regarding operating and financial performance, financial position and liquidity, bu ...

Hanmi Financial Corp (NASDAQ:HAFC) Q1 2021 Earnings Conference Call April 27, 2021 5:00 PM ET Company Participants Bonita Lee - President, CEO & Director Lasse Glassen - ADDO Investor Relations Anthony Kim - EVP & Chief Banking Officer Romolo Santarosa - Senior EVP & CFO Conference Call Participants Matthew Clark - Piper Sandler & Co. Kelly Motta - KBW Timothy Coffey - Janney Montgomery Scott Jason Stewart - JonesTrading Institutional Services Gary Tenner - D.A. Davidson & Co. David Chiaverini - Wedbush Sec ...

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4Q20 Earnings Supplemental Presentation January 26, 2021 1 Hanmi Financial Corporation Forward-Looking Statements Hanmi Financial Corporation (the "Company") cautions investors that any statements contained herein that are not historical facts are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, including, but not limited to, those statements regarding operating and financial performance, financial position and liquidity, ...

Hanmi Financial Corporation (NASDAQ:HAFC) Q4 2020 Results Earnings Conference Call January 26, 2021 5:00 PM ET Company Participants Lasse Glassen - Managing Director, ADDO Investor Relations Bonnie Lee - President and CEO Anthony Kim - Chief Banking Officer Ron Santarosa - Chief Financial Officer Conference Call Participants Matthew Clark - Piper Sandler Kelly Motta - KBW Gary Tenner - D.A. Davidson Timothy Coffey - Janney David Chiaverini - Wedbush Securities Operator Ladies and gentlemen, welcome to Hanmi ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the Transition Period From ___________ To _____________ Commission File Number: 000-30421 HANMI FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Delaware 95-4788120 (State or Other Jurisdiction of (I.R.S. Employer Incor ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the Quarterly Period Ended June 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the Transition Period From ___________ To _____________ Commission File Number: 000-30421 HANMI FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Delaware 95-4788120 (State ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the Quarterly Period Ended March 31, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the Transition Period From ___________ To _____________ Commission File Number: 000-30421 HANMI FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) (State or Other Jurisdict ...