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 OF 1934 For the quarterly period ended March 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 000-50245 HOPE BANCORP INC (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identificatio ...

1 2021 First Quarter Earnings Conference Call Wednesday, April 28, 2021 Forward Looking Statements & Additional Disclosures This presentation may contain statements regarding future events or the future financial performance of the Company that constitute forward‐looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward‐looking statements relate to, among other things, expectations regardi ...

Financial Data and Key Metrics Changes - For Q1 2021, the company generated net income of $43.7 million or $0.35 per diluted share, a 54% increase compared to $28.3 million or $0.23 per diluted share in the previous quarter [9] - Net interest income totaled $122.6 million, a 2% increase from $120.8 million in the preceding quarter, marking the third consecutive quarter of growth [27] - The net interest margin increased by 4 basis points to 3.06%, also representing the third consecutive quarter of margin expansion [28] Business Line Data and Key Metrics Changes - Non-interest-bearing deposits increased by 13% quarter-over-quarter, reaching 38% of total deposits, up from 24% a year ago [10][11] - Mortgage originations increased by 12% over the preceding quarter and were up 87% compared to the same quarter last year, leading to a 30% increase in net gain on sale of loans [13] - Excluding PPP loans, the average rate on new loans increased by 17 basis points quarter-over-quarter [18] Market Data and Key Metrics Changes - The company funded $305 million in PPP loan originations during the quarter, with commercial real estate loans decreasing as a percentage of total loans from 69% to 64% year-over-year [14][16] - The hotel/motel sector represented 56% of all active modifications, while retail properties accounted for 20% [20] Company Strategy and Development Direction - The company aims to enhance long-term value by improving loan and deposit mix while maintaining disciplined expense control [8] - A strategic priority for 2021 includes increasing residential mortgage originations and generating higher levels of fee income [12] - The company has expanded its corporate banking group to focus on the healthcare vertical, expecting meaningful contributions to loan production [48] Management Comments on Operating Environment and Future Outlook - Management expects to deliver strong performance driven by reduced cost of deposits, expanded net interest margin, and lower credit costs as economic conditions improve [45] - The loan pipeline is increasing, with expectations for higher loan production in the coming quarters as customer confidence grows [47] - The company anticipates a steady decrease in active loan modifications as the economy recovers [24] Other Important Information - The company maintained a robust capital position with total risk-based capital ratios increasing from the prior quarter [44] - The provision for credit losses was recorded at $3.3 million, maintaining the allowance for credit losses at 1.52% of total loans [40] Q&A Session Summary Question: Future potential for remixing deposits and impact on net interest income - Management indicated that non-interest-bearing demand deposits could continue to expand, positively impacting net interest income [54][55] Question: Service charge run rate and expense outlook - Management expects the expense run rate to remain similar to the first quarter, with no significant changes anticipated [57][58] Question: Remaining PPP fees and amortization schedule - Remaining PPP fees to be recognized amount to $18.3 million, with the majority coming from the second round of PPP, amortized over three years [62] Question: Health of the SBA portfolio - The company holds approximately $220 million in SBA loans and is considering selling some loans due to high market premiums [68] Question: Provision level guidance for the year - Management expects to see some level of reserve release in the second half of the year, contingent on the recovery of the hotel portfolio [72][76]

1 Piper Sandler 2021 Western Financial Services Conference Virtual Conference March 2, 2021 Forward Looking Statements & Additional Disclosures This presentation may contain statements regarding future events or the future financial performance of the Company that constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements relate to, among other things, ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K _______________________________________ ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______ to ______ Commission File Number 000-50245 ________________________________________ HOPE BANCORP, INC. (Exact name of registran ...

1 2020 Fourth Quarter Earnings Conference Call Wednesday, January 27, 2021 Forward Looking Statements & Additional Disclosures 2 uncertainties include, but are not limited to: possible deterioration in economic conditions in our areas of operation; interest rate risk associated with volatile interest rates and related asset-liability matching risk; liquidity risks; risk of significant non-earning assets, and net credit losses that could occur, particularly This presentation may contain statements regarding ...

Commission File Number: 000-50245 HOPE BANCORP INC 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 OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identific ...

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 OF 1934 For the quarterly period ended June 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 000-50245 HOPE BANCORP INC (Exact name of registrant as specified in its charter) Delaware 95-4849715 (State or other jurisdiction of incorporation or organization) (I.R.S. Emp ...

Financial Performance - Interest income for Q1 2020 was $166,868,000, a decrease of 3.6% from $173,130,000 in Q1 2019[202]. - Net income for Q1 2020 was $25,953,000, down 39.4% from $42,758,000 in Q1 2019[202]. - Net income for Q1 2020 was $26.0 million, a decrease of 39.3% from $42.8 million in Q1 2019, primarily due to an increase in the provision for credit losses[211]. - Noninterest income for Q1 2020 was $13.3 million, an increase of $1.8 million, or 16.1%, compared to $11.4 million in Q1 2019[232]. - Total noninterest expense for Q1 2020 was $72.1 million, an increase of $1.3 million, or 1.8%, from $70.8 million in Q1 2019[240]. Credit Losses and Provisions - Provision for credit losses increased significantly to $28,000,000 in Q1 2020 from $3,000,000 in Q1 2019, indicating heightened credit risk due to the pandemic[202]. - The allowance for credit losses to loans receivable ratio rose to 1.15% in Q1 2020 from 0.78% in Q1 2019, reflecting increased provisions for potential loan losses[206]. - The provision for credit losses for Q1 2020 was $28.0 million, an increase of $25.0 million from $3.0 million in Q1 2019, attributed to the implementation of CECL and the economic impact of COVID-19[230]. - The net loan charge-offs for Q1 2020 were $3.42 million, resulting in a net loan charge-off ratio of 0.11%[273]. Assets and Liabilities - Total assets at March 31, 2020, were $16,021,434,000, up from $15,398,669,000 at the same time in 2019[206]. - Total interest earning assets increased to $14.49 billion in Q1 2020 from $14.32 billion in Q1 2019[226]. - Loans receivable totaled $12.58 billion, an increase of $307.4 million from $12.28 billion at December 31, 2019[260]. - The allowance for credit losses was $144.9 million at March 31, 2020, compared to $94.1 million at December 31, 2019, representing 1.15% of loans receivable[267]. - Nonperforming assets totaled $139.9 million, with a ratio of nonperforming assets to loans receivable and OREO at 1.11%[263]. Capital and Equity - The common equity Tier 1 capital ratio was 11.44% at March 31, 2020, slightly down from 11.59% in 2019, indicating stable capital adequacy[206]. - Common equity Tier 1 capital was $1.53 billion, with a common equity Tier 1 capital ratio of 11.44% as of March 31, 2020[291]. - Total stockholders' equity decreased to $2.02 billion at March 31, 2020, compared to $2.04 billion at December 31, 2019[289]. - The Bank of Hope's common equity Tier 1 capital ratio was 13.52% as of March 31, 2020, with a total risk-based capital ratio of 14.61%[292]. Interest and Yield - Net interest income before provision for credit losses was $119.3 million for Q1 2020, a slight decrease of $317 thousand, or 0.3%, compared to $119.6 million in Q1 2019[214]. - The net interest margin for Q1 2020 was 3.31%, a decrease of 8 basis points from 3.39% in Q1 2019[217]. - The weighted average yield on loans decreased to 5.06% in Q1 2020 from 5.31% in Q1 2019, attributed to lower interest rates[218]. - The weighted average cost of deposits for Q1 2020 was 1.34%, a decrease of 23 basis points from 1.57% in Q1 2019[221]. Liquidity and Funding - Liquid assets amounted to $2.08 billion at March 31, 2020, compared to $1.95 billion at December 31, 2019[296]. - Cash and cash equivalents increased to $802.0 million at March 31, 2020, from $698.6 million at December 31, 2019[296]. - The company has not experienced any meaningful deposit runoff due to the COVID-19 pandemic, and its sources of funds remain available[297]. - The liquidity management strategy focuses on maintaining sufficient funds to meet cash flow requirements arising from fluctuations in deposit levels[294]. Operational Efficiency - The efficiency ratio for Q1 2020 was 54.42%, compared to 54.06% in Q1 2019, indicating a slight increase in operational efficiency[203]. - The efficiency ratio was 54.42% for Q1 2020, compared to 54.06% for the same period in 2019[212].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 _______________________________ FORM 10-K _______________________________ ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______ to ______ Commission File Number 000-50245 ________________________________________ HOPE BANCORP, INC. ...