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 ...

[PART I - FINANCIAL INFORMATION](index=4&type=section&id=PART%20I%20-%20FINANCIAL%20INFORMATION) [Financial Statements](index=4&type=section&id=Item%201.%20FINANCIAL%20STATEMENTS) Unaudited consolidated financial statements as of September 30, 2020, reflect COVID-19 and CECL impacts, showing asset growth and decreased net income due to higher credit loss provisions [Consolidated Statements of Financial Condition (Unaudited)](index=5&type=section&id=Consolidated%20Statements%20of%20Financial%20Condition%20(Unaudited)) Total assets grew to $16.73 billion by September 30, 2020, driven by increased net loans and deposits, while stockholders' equity remained stable Consolidated Balance Sheet Highlights (in millions) | Account | September 30, 2020 | December 31, 2019 | | :--- | :--- | :--- | | **Total Assets** | **$16,733.8** | **$15,667.4** | | Cash and cash equivalents | $629.1 | $698.6 | | Loans receivable, net | $12,940.4 | $12,181.9 | | **Total Liabilities** | **$14,693.2** | **$13,631.4** | | Total deposits | $14,008.4 | $12,527.4 | | FHLB advances | $200.0 | $625.0 | | **Total Stockholders' Equity** | **$2,040.6** | **$2,036.0** | [Consolidated Statements of Income (Unaudited)](index=7&type=section&id=Consolidated%20Statements%20of%20Income%20(Unaudited)) Net income significantly decreased in Q3 and the first nine months of 2020, primarily due to a substantial increase in the provision for credit losses Income Statement Summary (in millions, except per share data) | Metric | Q3 2020 | Q3 2019 | Nine Months 2020 | Nine Months 2019 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $117.6 | $116.3 | $346.7 | $353.1 | | Provision for Credit Losses | $22.0 | $2.1 | $67.5 | $6.3 | | Noninterest Income | $17.5 | $13.0 | $42.0 | $36.7 | | Noninterest Expense | $73.4 | $70.0 | $212.6 | $212.2 | | **Net Income** | **$30.5** | **$42.6** | **$83.2** | **$128.0** | | Diluted EPS | $0.25 | $0.34 | $0.67 | $1.01 | [Consolidated Statements of Cash Flows (Unaudited)](index=11&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows%20(Unaudited)) Net cash used in investing activities significantly impacted overall cash flow, offset by strong financing activities driven by deposit growth Cash Flow Summary for Nine Months Ended Sep 30 (in millions) | Activity | 2020 | 2019 | | :--- | :--- | :--- | | Net Cash from Operating Activities | $122.3 | $148.9 | | Net Cash (used in) from Investing Activities | ($1,154.1) | $110.6 | | Net Cash from (used in) Financing Activities | $962.4 | ($169.7) | | **Net Change in Cash and Cash Equivalents** | **($69.4)** | **$89.8** | [Notes to Consolidated Financial Statements (Unaudited)](index=12&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements%20(Unaudited)) Notes detail CECL adoption, significant loan modifications due to COVID-19, and the company's well-capitalized regulatory status - The company adopted the CECL accounting standard (ASU 2016-13) on January 1, 2020, resulting in a day-one increase to the allowance for credit losses of **$26.2 million**[57](index=57&type=chunk)[60](index=60&type=chunk)[75](index=75&type=chunk) - As of September 30, 2020, the company had provided loan modifications totaling **$1.15 billion** due to hardships from the COVID-19 pandemic. These modifications, made under the CARES Act, were not classified as Troubled Debt Restructurings (TDRs)[86](index=86&type=chunk) - The company and its subsidiary, Bank of Hope, were categorized as "well-capitalized" under the regulatory framework for prompt corrective action as of September 30, 2020, with all capital ratios exceeding the required minimums[174](index=174&type=chunk)[176](index=176&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations (MD&A)](index=56&type=section&id=Item%202.%20MANAGEMENT'S%20DISCUSSION%20AND%20ANALYSIS%20OF%20FINANCIAL%20CONDITION%20AND%20RESULTS%20OF%20OPERATIONS) MD&A discusses the adverse impact of COVID-19, including decreased net income due to higher credit loss provisions, asset growth, and balance sheet management [Results of Operations](index=61&type=section&id=Results%20of%20Operations) Net income declined in Q3 2020 due to increased provision for credit losses, despite stable net interest income and higher noninterest income from securities sales Q3 2020 vs Q3 2019 Performance (in millions) | Metric | Q3 2020 | Q3 2019 | Change | | :--- | :--- | :--- | :--- | | Net Income | $30.5 | $42.6 | ($12.1) | | Provision for Credit Losses | $22.0 | $2.1 | +$19.9 | | Net Interest Income | $117.6 | $116.3 | +$1.3 | | Noninterest Income | $17.5 | $13.0 | +$4.5 | | Noninterest Expense | $73.4 | $70.0 | +$3.4 | - The net interest margin decreased to **2.91%** in Q3 2020 from **3.25%** in Q3 2019, primarily due to the decline in loan yields resulting from lower market interest rates[209](index=209&type=chunk) - Noninterest income was boosted by a **$7.5 million** net gain on the sale of securities available for sale, which was executed to offset a **$3.6 million** prepayment penalty on FHLB advances[228](index=228&type=chunk)[235](index=235&type=chunk)[215](index=215&type=chunk) [Financial Condition](index=73&type=section&id=Financial%20Condition) Total assets and loans grew significantly, driven by PPP loans, while the allowance for credit losses increased due to CECL and pandemic impacts Loan Portfolio Composition (in billions) | Loan Category | Sep 30, 2020 | Dec 31, 2019 | | :--- | :--- | :--- | | Commercial Real Estate | $8.35 | $8.32 | | Commercial Business | $3.70 | $2.72 | | Residential Mortgage | $0.66 | $0.84 | | **Total Loans Receivable** | **$13.12** | **$12.28** | - The increase in commercial business loans was significantly impacted by the origination of **$480.1 million** in SBA PPP loans during Q2 2020, with a remaining balance of **$464.6 million** at September 30, 2020[262](index=262&type=chunk) Allowance for Credit Losses (ACL) | Metric | Sep 30, 2020 | Dec 31, 2019 | | :--- | :--- | :--- | | ACL Balance | **$179.8 million** | **$94.1 million** | | ACL to Loans Receivable | **1.37%** | **0.77%** | - As of September 30, 2020, COVID-19 related loan modifications decreased significantly to **$1.15 billion** (**8.8%** of total loans) from **$3.12 billion** at June 30, 2020[273](index=273&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=84&type=section&id=Item%203.%20QUANTITATIVE%20AND%20QUALITATIVE%20DISCLOSURES%20ABOUT%20MARKET%20RISK) The company manages interest rate risk as its primary market risk, with simulations indicating asset sensitivity to rate changes and ongoing LIBOR transition efforts Interest Rate Sensitivity Analysis (as of Sep 30, 2020) | Simulated Rate Change | Estimated Net Interest Income Sensitivity | Market Value of Equity Volatility | | :--- | :--- | :--- | | +200 bps | +8.31% | +7.26% | | +100 bps | +4.19% | +4.45% | | -100 bps | -0.79% | -7.63% | - The company is actively managing the transition from LIBOR, which is set to be discontinued after 2021. A committee has been formed to oversee the process and assess the impact on its various financial instruments indexed to LIBOR[311](index=311&type=chunk) [Controls and Procedures](index=86&type=section&id=Item%204.%20CONTROLS%20AND%20PROCEDURES) Management concluded that disclosure controls and procedures were effective as of September 30, 2020, with no material changes to internal controls during the quarter - Management concluded that the company's disclosure controls and procedures were effective as of the end of the reporting period, September 30, 2020[316](index=316&type=chunk) - No material changes to the company's internal control over financial reporting occurred during the third quarter of 2020[317](index=317&type=chunk) [PART II - OTHER INFORMATION](index=87&type=section&id=PART%20II%20-%20OTHER%20INFORMATION) [Legal Proceedings](index=87&type=section&id=Item%201.%20LEGAL%20PROCEEDINGS) The company is involved in various legal claims with accrued loss contingencies of approximately $1.4 million, not expected to be material to financial statements - Accrued loss contingencies for legal claims were approximately **$1.4 million** at September 30, 2020[320](index=320&type=chunk) [Risk Factors](index=87&type=section&id=Item%201A.%20RISK%20FACTORS) A new risk factor addresses increased credit risk from the COVID-19 pandemic, potentially impacting profitability through higher loan losses and delinquencies - A new risk factor was added to address the increased credit risk from the COVID-19 pandemic, which could adversely impact profitability through higher loan losses and delinquencies[322](index=322&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=88&type=section&id=Item%202.%20UNREGISTERED%20SALES%20OF%20EQUITY%20SECURITIES%20AND%20USE%20OF%20PROCEEDS) There were no unregistered sales of equity securities or use of proceeds to report for the period - None

[PART I - FINANCIAL INFORMATION](index=4&type=section&id=PART%20I%20-%20FINANCIAL%20INFORMATION) This section encompasses the unaudited consolidated financial statements, management's analysis, market risk, and internal controls [Item 1. Financial Statements](index=5&type=section&id=Item%201.%20FINANCIAL%20STATEMENTS) This section presents the unaudited consolidated financial statements, notes on accounting policies, CECL adoption, and COVID-19 impacts [Consolidated Statements of Financial Condition (Unaudited)](index=5&type=section&id=Consolidated%20Statements%20of%20Financial%20Condition%20%28Unaudited%29) This section details the company's unaudited financial condition, including assets, liabilities, and equity, as of June 30, 2020 Financial Condition Highlights (as of June 30, 2020 vs. December 31, 2019) | Metric | June 30, 2020 (in thousands) | December 31, 2019 (in thousands) | Change (%) | | :--- | :--- | :--- | :--- | | **Total Assets** | $17,169,062 | $15,667,440 | +9.6% | | Total Cash and Cash Equivalents | $1,468,949 | $698,567 | +110.3% | | Loans Receivable, net | $12,710,063 | $12,181,863 | +4.3% | | **Total Liabilities** | $15,138,286 | $13,631,429 | +11.1% | | Total Deposits | $14,123,532 | $12,527,364 | +12.7% | | **Total Stockholders' Equity** | $2,030,776 | $2,036,011 | -0.3% | [Consolidated Statements of Income (Unaudited)](index=7&type=section&id=Consolidated%20Statements%20of%20Income%20%28Unaudited%29) This section presents the unaudited consolidated income statements, detailing revenue, expenses, and net income for the periods presented Income Statement Highlights | Metric (in thousands, except per share data) | Q2 2020 | Q2 2019 | H1 2020 | H1 2019 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $109,814 | $117,221 | $229,105 | $236,829 | | Provision for Credit Losses | $17,500 | $1,200 | $45,500 | $4,200 | | **Net Income** | **$26,753** | **$42,681** | **$52,706** | **$85,439** | | **Diluted EPS** | **$0.22** | **$0.34** | **$0.42** | **$0.67** | [Consolidated Statements of Comprehensive Income (Unaudited)](index=9&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income%20%28Unaudited%29) This section presents the unaudited consolidated comprehensive income statements, including net income and other comprehensive income Comprehensive Income Highlights | Metric (in thousands) | Q2 2020 | Q2 2019 | H1 2020 | H1 2019 | | :--- | :--- | :--- | :--- | :--- | | Net Income | $26,753 | $42,681 | $52,706 | $85,439 | | Other Comprehensive Income, net of tax | $1,700 | $22,781 | $29,000 | $40,128 | | **Total Comprehensive Income** | **$28,453** | **$65,462** | **$81,706** | **$125,567** | [Consolidated Statements of Changes in Stockholders' Equity (Unaudited)](index=10&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Stockholders%27%20Equity%20%28Unaudited%29) This section presents the unaudited consolidated statements of changes in stockholders' equity, detailing capital, retained earnings, and comprehensive income - The company declared cash dividends of **$0.14 per common share** in Q2 2020, totaling **$17.2 million**[20](index=20&type=chunk) - For the six months ended June 30, 2020, the company repurchased **2,716,034 shares** of treasury stock for **$36.2 million** and recorded a day 1 CECL impact that reduced retained earnings by a net **$18.8 million**[21](index=21&type=chunk) [Consolidated Statements of Cash Flows (Unaudited)](index=12&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows%20%28Unaudited%29) This section presents the unaudited consolidated cash flow statements, categorizing cash movements from operating, investing, and financing activities Cash Flow Summary (Six Months Ended June 30) | Cash Flow Activity (in thousands) | 2020 | 2019 | | :--- | :--- | :--- | | Net Cash from Operating Activities | $99,756 | $89,420 | | Net Cash (Used in) Provided by Investing Activities | ($727,982) | $204,973 | | Net Cash Provided by (Used in) Financing Activities | $1,398,608 | ($144,204) | | **Net Change in Cash and Cash Equivalents** | **$770,382** | **$150,189** | [Notes to Consolidated Financial Statements (Unaudited)](index=15&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements%20%28Unaudited%29) This section provides detailed notes to the unaudited consolidated financial statements, covering accounting policies, CECL adoption, and COVID-19 impacts - The company acknowledges that the COVID-19 pandemic has had, and could continue to have, a material and adverse effect on its business and that estimates are subject to significant uncertainty[30](index=30&type=chunk) - On January 1, 2020, the company adopted the CECL standard (ASU 2016-13), which resulted in a day 1 increase to the allowance for credit losses of **$26.2 million**[61](index=61&type=chunk)[76](index=76&type=chunk) - As of June 30, 2020, the company had granted COVID-19 related loan modifications on loans totaling **$3.12 billion**, representing approximately **24.2%** of the total loan portfolio[86](index=86&type=chunk)[275](index=275&type=chunk) - Due to the economic impact of COVID-19 and a decline in its stock price, the company performed an interim goodwill impairment test in Q2 2020 and concluded that goodwill was not impaired[125](index=125&type=chunk) [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations (MD&A)](index=63&type=section&id=Item%202.%20MANAGEMENT%27S%20DISCUSSION%20AND%20ANALYSIS%20OF%20FINANCIAL%20CONDITION%20AND%20RESULTS%20OF%20OPERATIONS) Management discusses the COVID-19 pandemic's impact on financial condition and results, highlighting increased credit loss provisions, compressed net interest margin, and balance sheet growth [COVID-19 Pandemic](index=63&type=section&id=MD%26A_COVID-19_Pandemic) The company activated a Pandemic Response Plan, adjusted operations, and assisted customers through CARES Act programs, including PPP loans and payment deferrals - The company is actively assisting customers under the CARES Act, including funding **$480.1 million** in SBA PPP loans in Q2 2020 and providing loan modifications[188](index=188&type=chunk) - A Pandemic Response Plan was activated, which included reducing branch hours, implementing social distancing and enhanced cleaning protocols, and enabling a majority of employees to work remotely on a rotational basis[190](index=190&type=chunk)[191](index=191&type=chunk) [Results of Operations](index=69&type=section&id=MD%26A_Results_of_Operations) Net income decreased significantly in Q2 2020 due to higher credit loss provisions, alongside declines in net interest income, noninterest income, and noninterest expense Q2 2020 vs Q2 2019 Performance | Metric (in millions) | Q2 2020 | Q2 2019 | Change | | :--- | :--- | :--- | :--- | | Net Income | $26.8 | $42.7 | -37.3% | | Net Interest Income | $109.8 | $117.2 | -6.3% | | Provision for Credit Losses | $17.5 | $1.2 | +1358% | | Noninterest Income | $11.2 | $12.3 | -8.5% | | Noninterest Expense | $67.0 | $71.4 | -6.1% | Key Performance Ratios | Ratio | Q2 2020 | Q2 2019 | | :--- | :--- | :--- | | Return on Average Assets (ROA) | 0.64% | 1.12% | | Net Interest Margin (NIM) | 2.79% | 3.31% | | Efficiency Ratio | 55.37% | 55.11% | [Financial Condition](index=81&type=section&id=MD%26A_Financial_Condition) Total assets grew to $17.17 billion, driven by cash and loan growth, deposits increased, and the allowance for credit losses significantly expanded due to CECL and pandemic impacts - Total assets grew to **$17.17 billion**, an increase of **$1.50 billion (9.6%)** from Dec 31, 2019, largely due to a precautionary increase in cash and cash equivalents to **$1.47 billion**[256](index=256&type=chunk) - The allowance for credit losses (ACL) increased to **$161.8 million (1.26% of loans)** from **$94.1 million (0.77% of loans)** at year-end, driven by the CECL adoption and increased reserves for the COVID-19 pandemic's impact[269](index=269&type=chunk)[271](index=271&type=chunk) - The company maintained strong liquidity with **$3.46 billion** in available FHLB borrowing capacity and **$726.6 million** from the FRB Discount Window[303](index=303&type=chunk) [Item 3. Quantitative and Qualitative Disclosures About Market Risk](index=93&type=section&id=Item%203.%20QUANTITATIVE%20AND%20QUALITATIVE%20DISCLOSURES%20ABOUT%20MARKET%20RISK) The company manages interest rate risk through ALCO, assessing NII and MVE sensitivity to rate changes, and is actively managing the transition away from LIBOR Interest Rate Sensitivity Analysis (as of June 30, 2020) | Simulated Rate Change | Estimated Net Interest Income Sensitivity | Market Value of Equity Volatility | | :--- | :--- | :--- | | +200 basis points | +9.96% | +8.02% | | +100 basis points | +5.01% | +4.89% | | -100 basis points | -0.63% | -6.42% | - The company has formed a committee to oversee the transition away from LIBOR, as it is expected to be discontinued after 2021[311](index=311&type=chunk) - The FASB has issued optional guidance (ASU 2020-04) to ease the accounting burden of this transition, which the committee is evaluating[312](index=312&type=chunk) [Item 4. Controls and Procedures](index=95&type=section&id=Item%204.%20CONTROLS%20AND%20PROCEDURES) Management, including the CEO and CFO, concluded that the company's disclosure controls and procedures were effective as of June 30, 2020, with no material changes to internal control over financial reporting - The Chairman, President, and CEO, along with the CFO, concluded that the company's disclosure controls and procedures were **effective** as of June 30, 2020[316](index=316&type=chunk) - No material changes to the company's internal control over financial reporting occurred during the quarter ended June 30, 2020[317](index=317&type=chunk) [PART II - OTHER INFORMATION](index=96&type=section&id=PART%20II%20-%20OTHER%20INFORMATION) This section covers legal proceedings, risk factors, equity sales, defaults, mine safety, other information, and exhibits [Item 1. Legal Proceedings](index=96&type=section&id=Item%201.%20LEGAL%20PROCEEDINGS) The company is involved in various legal claims, accruing approximately $1.2 million for loss contingencies, with no expected material financial impact - Accrued loss contingencies for all legal claims totaled approximately **$1.2 million** at June 30, 2020[320](index=320&type=chunk) [Item 1A. Risk Factors](index=96&type=section&id=Item%201A.%20RISK%20FACTORS) This section refers to previously disclosed risk factors in the company's Annual Report on Form 10-K and Quarterly Report on Form 10-Q [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](index=97&type=section&id=Item%202.%20UNREGISTERED%20SALES%20OF%20EQUITY%20SECURITIES%20AND%20USE%20OF%20PROCEEDS) The company reported no unregistered sales of equity securities or use of proceeds during the period - None[323](index=323&type=chunk) [Item 3. Defaults Upon Senior Securities](index=97&type=section&id=Item%203.%20DEFAULTS%20UPON%20SENIOR%20SECURITIES) The company reported no defaults upon senior securities - None[324](index=324&type=chunk) [Item 4. Mine Safety Disclosures](index=97&type=section&id=Item%204.%20MINE%20SAFETY%20DISCLOSURES) This item is not applicable to the company - Not Applicable[325](index=325&type=chunk) [Item 5. Other Information](index=97&type=section&id=Item%205.%20OTHER%20INFORMATION) The company reported no other information - None[326](index=326&type=chunk) [Item 6. Exhibits](index=97&type=section&id=Item%206.%20EXHIBITS) This section refers to the Index to Exhibits, listing certifications and XBRL data files submitted with the report

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].

Part I [Business](index=4&type=section&id=Item%201.%20Business) Hope Bancorp operates as a regulated bank holding company, generating net interest income through its subsidiary Bank of Hope by serving commercial and retail clients in ethnic communities - Hope Bancorp operates through its subsidiary, Bank of Hope, offering commercial and retail banking products with a focus on ethnic communities in metropolitan areas including California, New York/New Jersey, Chicago, and Texas[12](index=12&type=chunk) - The company's primary revenue is derived from the net interest income spread between interest earned on loans and securities and interest paid on deposits and borrowings[16](index=16&type=chunk)[152](index=152&type=chunk) - The Bank operates a network of 58 branches and 11 loan production offices, offering a range of services including commercial loans, real estate loans, SBA loans, and wealth management[17](index=17&type=chunk) - As a banking organization with assets exceeding $10 billion, the company is subject to heightened supervision and regulation under the Dodd-Frank Act, including examination by the Consumer Financial Protection Bureau (CFPB)[56](index=56&type=chunk)[75](index=75&type=chunk) [Lending, Investing, and Funding Activities](index=5&type=section&id=Lending%2C%20Investing%2C%20and%20Funding%20Activities) The Bank's operations include diverse lending, a conservative investment strategy for liquidity, primary funding from customer deposits, and long-term debt for strategic initiatives - The Bank's lending activities are diverse, covering commercial business loans, various types of real estate loans, SBA 7(a) and 504 loans, and consumer loans such as mortgages and auto loans[18](index=18&type=chunk)[22](index=22&type=chunk)[24](index=24&type=chunk)[28](index=28&type=chunk) - The investment strategy focuses on providing liquidity and managing interest rate risk, with a portfolio consisting of government-sponsored agency bonds, mortgage-backed securities (MBS), and collateralized mortgage obligations (CMOs), all classified as available for sale[29](index=29&type=chunk) - Primary funding sources are FDIC-insured customer deposits, and the Bank also utilizes borrowings from the Federal Home Loan Bank (FHLB) and the Federal Reserve Bank for liquidity and longer-term strategies[31](index=31&type=chunk)[32](index=32&type=chunk) - The company has long-term debt including **$126.0 million in trust preferred securities** and **$217.5 million in convertible senior notes** issued in 2018 to fund a common stock repurchase program[34](index=34&type=chunk)[35](index=35&type=chunk) [Supervision and Regulation](index=9&type=section&id=Supervision%20and%20Regulation) The company and its bank subsidiary are subject to extensive supervision by federal and state agencies, including Basel III capital rules and the Community Reinvestment Act - Hope Bancorp, as a bank holding company, and Bank of Hope are subject to extensive regulation and supervision by the Federal Reserve Board (FRB), the FDIC, and the California Department of Business Oversight (DBO)[40](index=40&type=chunk)[42](index=42&type=chunk)[48](index=48&type=chunk) - The company and the Bank are subject to the Basel III Capital Rules, and as of December 31, 2019, both entities **met all requirements to be considered "well-capitalized"**[51](index=51&type=chunk)[54](index=54&type=chunk)[55](index=55&type=chunk) - The Bank is subject to the Community Reinvestment Act (CRA) and received a **"Satisfactory" rating** in its most recent evaluation in 2018[64](index=64&type=chunk) - The ability of Hope Bancorp to pay dividends and repurchase stock is restricted by Delaware law and FRB policy, which emphasizes maintaining the company's role as a source of strength for its bank subsidiary[73](index=73&type=chunk) [Risk Factors](index=16&type=section&id=Item%201A.%20Risk%20Factors) The company faces significant credit, market, operational, and regulatory risks, including high real estate loan concentration and the upcoming LIBOR transition - **Credit Risk:** A significant portion of the loan portfolio (**approximately 77%** as of Dec 31, 2019) is secured by real estate, exposing the company to downturns in the real estate market[80](index=80&type=chunk)[81](index=81&type=chunk)[82](index=82&type=chunk) - **Accounting Risk:** The allowance for loan losses may not cover actual losses, and the adoption of the new **CECL standard is expected to increase the allowance by 30% to 40%**[85](index=85&type=chunk)[86](index=86&type=chunk)[87](index=87&type=chunk) - **Market Risk:** Profitability is highly sensitive to changes in interest rates and faces uncertainty from the scheduled **phase-out of LIBOR** at the end of 2021[88](index=88&type=chunk)[90](index=90&type=chunk) - **Operational & Geographic Risk:** The company is exposed to risks from natural disasters due to its concentration in Southern California and also faces cybersecurity risks[94](index=94&type=chunk)[102](index=102&type=chunk) - **Regulatory Risk:** As an institution with over $10 billion in assets, the company is subject to increased compliance costs and regulations under the Dodd-Frank Act[114](index=114&type=chunk)[128](index=128&type=chunk)[129](index=129&type=chunk) [Properties](index=25&type=section&id=Item%202.%20Properties) The company operates from its Los Angeles headquarters, a network of 58 branches, and 11 loan production offices, utilizing both owned and leased properties - As of year-end 2019, the company operated **58 full-service branches** (51 leased, 7 owned) and 11 leased loan production offices[132](index=132&type=chunk) [Legal Proceedings](index=25&type=section&id=Item%203.%20Legal%20Proceedings) The company faces various legal claims in the normal course of business, with total loss contingencies of $440 thousand not expected to be material - Loss contingencies for legal claims totaled approximately **$440 thousand** at December 31, 2019, and management does not expect any material impact on the financial statements[133](index=133&type=chunk) Part II [Market for Common Equity and Share Repurchases](index=26&type=section&id=Item%205.%20Market%20for%20Registrant's%20Common%20Equity%2C%20Related%20Stockholder%20Matters%20and%20Issuer%20Purchases%20of%20Equity%20Securities) The company's stock trades on NASDAQ under "HOPE", and a $50 million share repurchase program was active in Q4 2019 - The company's common stock is traded on the NASDAQ Global Select Market under the symbol "HOPE"[137](index=137&type=chunk) Q4 2019 Share Repurchase Activity | Period | Total Shares Purchased | Average Price Paid per Share | Total Cost (in millions) | | :--- | :--- | :--- | :--- | | Oct 2019 | — | — | $0.0 | | Nov 2019 | 462,307 | $14.53 | $6.7 | | Dec 2019 | 480,787 | $14.77 | $7.1 | | **Total Q4 2019** | **943,094** | **$14.65** | **$13.8** | - As of December 31, 2019, approximately **$36.2 million remained available for repurchase** under the authorized program[142](index=142&type=chunk) [Selected Financial Data](index=28&type=section&id=Item%206.%20Selected%20Financial%20Data) Fiscal year 2019 saw a decline in net income to $171.0 million and diluted EPS to $1.35, alongside decreased ROA and ROE, despite asset growth to $15.67 billion Selected Financial Data (2019 vs. 2018) | Metric | 2019 | 2018 | | :--- | :--- | :--- | | Net Income | $171.0 M | $189.6 M | | Diluted EPS | $1.35 | $1.44 | | Total Assets (Year-End) | $15.67 B | $15.31 B | | Net Loans Receivable (Year-End) | $12.28 B | $12.10 B | | Total Deposits (Year-End) | $12.53 B | $12.16 B | | Return on Average Assets (ROA) | 1.12% | 1.29% | | Return on Average Stockholders' Equity (ROE) | 8.63% | 9.92% | | Net Interest Margin (NIM) | 3.27% | 3.53% | | Nonperforming Assets to Total Assets | 0.78% | 0.74% | [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=31&type=section&id=Item%207.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Net income decreased 10% in 2019 due to net interest margin compression, though this was partly offset by a lower loan loss provision, while assets and deposits grew [Critical Accounting Policies](index=32&type=section&id=Critical%20Accounting%20Policies) Management's critical accounting policies involve significant subjective judgments, particularly for the allowance for loan losses, goodwill, and income taxes - Management identifies several critical accounting policies that require subjective and complex judgments, including: - **Allowance for Loan Losses:** Estimating probable incurred losses in the loan portfolio - **Business Combinations:** Determining the fair value of assets and liabilities acquired - **Investment Securities:** Evaluating for other-than-temporary impairment - **Purchased Credit Impaired (PCI) Loans:** Estimating expected cash flows to determine accretable yield - **Goodwill:** Assessing for impairment using qualitative factors and, if necessary, quantitative tests - **Income Taxes:** Determining deferred tax asset valuation allowances and reserves for uncertain tax positions[156](index=156&type=chunk)[163](index=163&type=chunk)[169](index=169&type=chunk) [Results of Operations](index=35&type=section&id=Results%20of%20Operations) A 10% net income decline in 2019 was driven by lower net interest income and noninterest income, despite a significantly reduced provision for loan losses Consolidated Income Statement Summary (2019 vs. 2018) | (In thousands) | 2019 | 2018 | % Change | | :--- | :--- | :--- | :--- | | Net Interest Income | $466,595 | $487,927 | (4.4)% | | Provision for Loan Losses | $7,300 | $14,900 | (51.0)% | | Noninterest Income | $49,683 | $60,180 | (17.4)% | | Noninterest Expense | $282,628 | $277,726 | 1.8% | | **Net Income** | **$171,040** | **$189,589** | **(9.8)%** | - **Net income decreased by 10% in 2019** primarily due to a $21.3 million decline in net interest income, driven by a 34% increase in interest expense that outpaced the 5% growth in interest income[182](index=182&type=chunk)[183](index=183&type=chunk) - **Net interest margin (NIM) compressed by 26 basis points to 3.27%** in 2019 from 3.53% in 2018, mainly caused by an increase in the cost of interest-bearing deposits[188](index=188&type=chunk)[193](index=193&type=chunk) - Noninterest income fell 17% primarily due to a **$9.7 million (100%) decrease in gains on sales of SBA loans**, following a strategic decision to retain these loans[210](index=210&type=chunk)[213](index=213&type=chunk) - Noninterest expense increased by 2%, driven by higher salaries and benefits ($7.7M increase) and professional fees ($6.2M increase)[220](index=220&type=chunk)[221](index=221&type=chunk) [Financial Condition](index=46&type=section&id=Financial%20Condition) Total assets grew to $15.67 billion, supported by loan and deposit growth, while credit quality saw a slight increase in nonperforming assets Balance Sheet Summary (Year-End) | (In billions) | Dec 31, 2019 | Dec 31, 2018 | | :--- | :--- | :--- | | Total Assets | $15.67 | $15.31 | | Net Loans Receivable | $12.18 | $12.01 | | Total Deposits | $12.53 | $12.16 | | Total Stockholders' Equity | $2.04 | $1.90 | Loan Portfolio Composition | Loan Type | Dec 31, 2019 (in billions) | % of Total | | :--- | :--- | :--- | | Total Real Estate | $8.66 | 71% | | Commercial Business | $2.56 | 21% | | Consumer and Other | $0.89 | 7% | | Trade Finance | $0.16 | 1% | | **Total Loans** | **$12.27** | **100%** | - **Nonperforming assets increased to $122.1 million** (0.78% of total assets) at year-end 2019 from $113.0 million (0.74% of total assets) at year-end 2018[265](index=265&type=chunk) - The allowance for loan losses was $94.1 million, or **0.77% of gross loans**, at December 31, 2019, unchanged from the year-end 2018 ratio[272](index=272&type=chunk) - **Total deposits grew by $372 million (3%)** in 2019, driven by increases in money market and demand deposits[289](index=289&type=chunk)[290](index=290&type=chunk) - The company's and the Bank's capital ratios **exceeded all regulatory requirements to be deemed "well-capitalized"**, with the holding company's Common Equity Tier 1 ratio at 11.76%[304](index=304&type=chunk)[667](index=667&type=chunk) [Quantitative and Qualitative Disclosures about Market Risk](index=65&type=section&id=Item%207A.%20Quantitative%20and%20Qualitative%20Disclosures%20about%20Market%20Risk) The company's primary market risk is interest rate sensitivity, with models showing varied impacts on net interest income from rate changes, alongside emerging LIBOR transition risk Interest Rate Sensitivity Analysis (as of Dec 31, 2019) | Simulated Rate Change | Estimated Net Interest Income Sensitivity | Market Value of Equity Volatility | | :--- | :--- | :--- | | +200 basis points | +1.57% | (1.84)% | | +100 basis points | +0.88% | (0.42)% | | -100 basis points | (1.10)% | (1.12)% | | -200 basis points | (2.68)% | (4.43)% | - The company's interest rate sensitivity gap analysis shows a **liability-sensitive position in the short term**, with a cumulative negative gap of $3.25 billion for instruments repricing within one year[329](index=329&type=chunk) - The company acknowledges the upcoming **LIBOR transition after 2021** and is assessing the impact on its financial instruments indexed to LIBOR[333](index=333&type=chunk) [Controls and Procedures](index=70&type=section&id=Item%209A.%20Controls%20and%20Procedures) Management concluded that the company's disclosure controls, procedures, and internal control over financial reporting were effective as of year-end 2019 - Management concluded that the company's **disclosure controls and procedures were effective** as of December 31, 2019[341](index=341&type=chunk) - Based on an assessment using the COSO framework, management believes the company's **internal control over financial reporting was effective** as of December 31, 2019[345](index=345&type=chunk) Part III [Directors, Executive Compensation, and Corporate Governance](index=73&type=section&id=Items%2010-14) Required disclosures on directors, compensation, governance, and related matters are incorporated by reference from the 2020 Annual Meeting proxy statement - Detailed information regarding directors, executive officers, corporate governance, executive compensation, and other related matters is **incorporated by reference from the forthcoming 2020 Proxy Statement**[351](index=351&type=chunk)[352](index=352&type=chunk)[354](index=354&type=chunk)[355](index=355&type=chunk) Part IV [Exhibits and Financial Statement Schedules](index=74&type=section&id=Item%2015.%20Exhibits%20and%20Financial%20Statement%20Schedules) This section lists the financial statements and exhibits filed with the Form 10-K, with financial statements beginning on page F-1 - The Consolidated Financial Statements of Hope Bancorp are filed as part of this report, **beginning on page F-1**[335](index=335&type=chunk)[358](index=358&type=chunk) - A list of exhibits filed with the report is provided, including corporate governance documents, indentures for debt instruments, and executive compensation plans[359](index=359&type=chunk)[361](index=361&type=chunk)

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, 2019 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 ...

PART I - FINANCIAL INFORMATION [Financial Statements](index=4&type=section&id=Item%201.%20FINANCIAL%20STATEMENTS) Hope Bancorp reported net income of **$85.4 million** for the six months ended June 30, 2019, a decrease from **$98.8 million** in the prior year, driven by lower net interest and noninterest income, while total assets slightly increased to **$15.34 billion** and stockholders' equity grew to **$2.00 billion** [Consolidated Statements of Financial Condition](index=4&type=section&id=Consolidated%20Statements%20of%20Financial%20Condition) Total assets slightly increased to **$15.34 billion** as of June 30, 2019, driven by higher cash and cash equivalents, while total liabilities decreased and stockholders' equity rose to **$1.995 billion** Consolidated Balance Sheet Highlights (Unaudited) | Account | June 30, 2019 ($ in thousands) | December 31, 2018 ($ in thousands) | | :--- | :--- | :--- | | **Total Assets** | **$15,338,827** | **$15,305,952** | | Cash and cash equivalents | $609,795 | $459,606 | | Securities available for sale | $1,826,903 | $1,846,265 | | Loans receivable, net | $11,883,068 | $12,005,558 | | Goodwill | $464,450 | $464,450 | | **Total Liabilities** | **$13,343,655** | **$13,402,741** | | Total deposits | $12,172,384 | $12,155,656 | | FHLB advances | $695,000 | $821,280 | | **Total Stockholders' Equity** | **$1,995,172** | **$1,903,211** | [Consolidated Statements of Income](index=6&type=section&id=Consolidated%20Statements%20of%20Income) Net income for the six months ended June 30, 2019, decreased to **$85.4 million** from **$98.8 million** in the prior year, primarily due to lower net interest and noninterest income, resulting in diluted EPS of **$0.67** Key Income Statement Data (Unaudited) | Metric ($ in thousands) | Three Months Ended June 30, 2019 | Three Months Ended June 30, 2018 | Six Months Ended June 30, 2019 | Six Months Ended June 30, 2018 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $117,221 | $122,819 | $236,829 | $242,887 | | Provision for Loan Losses | $1,200 | $2,300 | $4,200 | $4,800 | | Noninterest Income | $12,287 | $15,269 | $23,709 | $35,119 | | Noninterest Expense | $71,371 | $71,629 | $142,204 | $140,082 | | **Net Income** | **$42,681** | **$47,530** | **$85,439** | **$98,762** | | Diluted EPS | $0.34 | $0.36 | $0.67 | $0.73 | [Consolidated Statements of Comprehensive Income](index=7&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income) Total comprehensive income significantly increased to **$125.6 million** for the six months ended June 30, 2019, driven by **$85.4 million** in net income and a **$40.1 million** positive swing in other comprehensive income Comprehensive Income Summary (Unaudited) | Metric ($ in thousands) | Six Months Ended June 30, 2019 | Six Months Ended June 30, 2018 | | :--- | :--- | :--- | | Net Income | $85,439 | $98,762 | | Other comprehensive income (loss), net of tax | $40,128 | $(23,622) | | **Total Comprehensive Income** | **$125,567** | **$75,140** | [Consolidated Statements of Changes in Stockholders' Equity](index=8&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Stockholders%27%20Equity) Stockholders' equity increased to **$1.995 billion** by June 30, 2019, primarily due to **$85.4 million** in net income and **$40.1 million** in other comprehensive income, partially offset by **$35.5 million** in cash dividends - Key drivers for the increase in stockholders' equity in the first half of 2019 were net income of **$85.4 million** and other comprehensive income of **$40.1 million**, partially offset by cash dividends of **$35.5 million**[19](index=19&type=chunk) [Consolidated Statements of Cash Flows](index=10&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Cash and cash equivalents increased by **$150.2 million** for the six months ended June 30, 2019, with **$89.4 million** from operating activities and **$205.0 million** from investing activities, partially offset by **$144.2 million** used in financing activities Cash Flow Summary (Unaudited) | Activity ($ in thousands) | Six Months Ended June 30, 2019 | Six Months Ended June 30, 2018 | | :--- | :--- | :--- | | Net cash provided by operating activities | $89,420 | $105,549 | | Net cash provided by (used in) investing activities | $204,973 | $(727,748) | | Net cash (used in) provided by financing activities | $(144,204) | $596,563 | | **Net Change in Cash and Cash Equivalents** | **$150,189** | **$(25,636)** | [Notes to Consolidated Financial Statements](index=13&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) The notes detail accounting policies, including the expected material increase in allowance for loan losses due to CECL adoption, the impact of new lease accounting standards, and the company's continued well-capitalized regulatory ratios [Management's Discussion and Analysis of Financial Condition and Results of Operations (MD&A)](index=66&type=section&id=Item%202.%20MANAGEMENT%27S%20DISCUSSION%20AND%20ANALYSIS%20OF%20FINANCIAL%20CONDITION%20AND%20RESULTS%20OF%20OPERATIONS) Net income decreased for Q2 and H1 2019 due to a compressed net interest margin of **3.31%** and cessation of SBA loan sales, while total assets remained stable at **$15.34 billion** and asset quality remained strong with nonperforming assets at **0.73%** of total assets - Net income for Q2 2019 was **$42.7 million**, a **10.2%** decrease from Q2 2018, primarily due to a **$5.6 million** reduction in net interest income and a **$3.5 million** decline in gains from SBA loan sales[211](index=211&type=chunk) - The net interest margin for Q2 2019 decreased by **30 basis points** to **3.31%** compared to the same period in 2018, driven by a **56 basis point** increase in the weighted average cost of deposits[222](index=222&type=chunk)[226](index=226&type=chunk) - Total assets remained stable at **$15.34 billion** as of June 30, 2019, with loans receivable decreasing by **$121.0 million** from year-end 2018 to **$11.98 billion**[210](index=210&type=chunk)[271](index=271&type=chunk) - Nonperforming assets were **$111.7 million**, or **0.73%** of total assets, at June 30, 2019, remaining stable compared to year-end 2018[275](index=275&type=chunk)[277](index=277&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=93&type=section&id=Item%203.%20QUANTITATIVE%20AND%20QUALITATIVE%20DISCLOSURES%20ABOUT%20MARKET%20RISK) The company's primary market risk is interest rate risk, with a **100 basis point** upward shift projected to increase net interest income by **2.37%** and a downward shift projected to decrease it by **2.77%** over 12 months Interest Rate Sensitivity Analysis (as of June 30, 2019) | Simulated Rate Change | Estimated Net Interest Income Sensitivity | Market Value of Equity Volatility | | :--- | :--- | :--- | | +200 basis points | 4.45% | (2.78)% | | +100 basis points | 2.37% | (1.04)% | | -100 basis points | (2.77)% | 0.08% | | -200 basis points | (7.00)% | 0.76% | [Controls and Procedures](index=94&type=section&id=Item%204.%20CONTROLS%20AND%20PROCEDURES) Management concluded that disclosure controls and procedures were effective as of June 30, 2019, with no material changes to internal control over financial reporting during the quarter - The Chairman, President, and CEO, along with the CFO, determined that the company's disclosure controls and procedures were effective as of June 30, 2019[318](index=318&type=chunk) - No material changes to the internal control over financial reporting were identified during the quarter ended June 30, 2019[319](index=319&type=chunk) PART II - OTHER INFORMATION [Legal Proceedings](index=95&type=section&id=Item%201.%20LEGAL%20PROCEEDINGS) Accrued loss contingencies for legal claims totaled approximately **$170 thousand** as of June 30, 2019, with management not expecting a material impact on financial statements - Accrued loss contingencies for legal claims were approximately **$170 thousand** at June 30, 2019[322](index=322&type=chunk) [Risk Factors](index=95&type=section&id=Item%201A.%20RISK%20FACTORS) No material changes to the risk factors previously disclosed in the Annual Report on Form 10-K for the year ended December 31, 2018 - There are no material changes to the risk factors discussed in the Annual Report on Form 10-K for the year ended December 31, 2018[323](index=323&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=95&type=section&id=Item%202.%20UNREGISTERED%20SALES%20OF%20EQUITY%20SECURITIES%20AND%20USE%20OF%20PROCEEDS) There were no unregistered sales of equity securities during the reporting period - None[324](index=324&type=chunk) [Defaults Upon Senior Securities](index=95&type=section&id=Item%203.%20DEFAULTS%20UPON%20SENIOR%20SECURITIES) No defaults upon senior securities occurred during the reporting period - None[325](index=325&type=chunk) [Mine Safety Disclosures](index=95&type=section&id=Item%204.%20MINE%20SAFETY%20DISCLOSURES) This item is not applicable to the company's operations - Not Applicable[326](index=326&type=chunk) [Other Information](index=95&type=section&id=Item%205.%20OTHER%20INFORMATION) No other information is required to be reported under this item - None[327](index=327&type=chunk) [Exhibits](index=95&type=section&id=Item%206.%20EXHIBITS) This section lists the exhibits filed with the report, including the 2019 Incentive Compensation Plan and certifications by the CEO and CFO

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, 2019 Commission File Number: 000-50245 ______________________________________________ HOPE BANCORP, INC. (Exact name of registrant as specified in its charter) ______________________________________________ ...

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, 2018 Commission File Number 000-50245 ________________________________________ HOPE BANCORP, INC. (Exact name of registrant as specified in its charter) _________________________________________ (State or other jurisdiction of incorporation o ...