Hanmi Financial : KBW Community Bank Investor Conference

Los Angeles

New York/

New Jersey

Virginia

Chicago

Dallas

Houston

San Francisco

San Diego

Community Bank Investor Conference

August 2022

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, business strategies, regulatory, economic and competitive outlook, investment and expenditure plans, capital and financing needs and availability, litigation, plans and objectives, merger or sale activity, the effects of COVID-19 on our business, financial condition and results of operations, and all other forecasts and statements of expectation or assumption underlying any of the foregoing. These statements involve known and unknown risks and uncertainties that are difficult to predict. Investors should not rely on any forward-looking statement and should consider risks, such as changes in governmental policy, legislation and regulations, economic uncertainty, inflation, the continuing impact of the COVID-19 pandemic on our business and results of operations, fluctuations in interest rate and credit risk, competitive pressures, the ability to succeed in new markets, balance sheet management, the ability to identify and remediate any material weakness in internal controls over financial reporting, and other operational factors.

Forward-looking statements are based upon the good faith beliefs and expectations of management as of this date only and are further subject to additional risks and uncertainties, including, but not limited to, the risk factors set forth in our earnings release dated July 26, 2022, including the section titled "Forward Looking Statements and the Company's most recent Form 10-K,10-Q and other filings with the Securities and Exchange Commission ("SEC"). Investors are urged to review our earnings release dated July 26, 2022, including the section titled "Forward Looking Statements and the Company's SEC filings. The Company disclaims any obligation to update or revise the forward- looking statements herein.

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Hanmi Franchise at a Glance

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7	1	Branch
Loan Production Office (LPO)

Experienced Bankers with Deep Community Ties

Second Largest Korean-American Bank in the U.S.

1. • Founded in 1982 in Los Angeles, as the first Korean-American bank
   • 35 full-service branches and 8 loan production offices across 9 states
   • Focused on MSAs with high Asian-American and multi-ethnic populations
   • Strong track record of growth
   • Well capitalized, significantly above regulatory requirements
2. Loan growth CAGR between 2013, when new executive management was appointed, and 2Q22
3. Non-GAAPfinancial measure; refer to the non-GAAP reconciliation slide

As of 2Q22

Total Assets

$6.9B

Loans

$5.6B

Deposits

$5.9B

Loan Growth(1)

11.6%

TBVPS(2)

$19.91

TCE/TA(2)

Ratio

8.74%

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Management Team

		Banking	Hanmi
Name	Position	Experience	Experience	Previous Experience
		(Years)	(Years)

Bonnie Lee	President & CEO	36	9
Romolo Santarosa	SEVP, Chief Financial Officer	31	7
Anthony Kim	EVP, Chief Banking Officer	28	9
Matthew Fuhr	EVP, Chief Credit Administration Officer	26	7
Mike Park	EVP, Chief Credit Risk Officer	34	8
Anna Chung	EVP, Chief SBA Lending Officer	39	8
Navneeth Naidu	EVP, Chief Technology Officer	20	4
Michael Du	SVP, Chief Risk Officer	23	3

BBCN Bancorp, Shinhan Bank America, Nara Bank

Opus Bank, First California Financial Group

BBCN Bancorp

Pacific Western Bank, FDIC

East West Bank

East West Bank, Nara Bank, Wilshire Bank, First American Bank

Columbia Bank, American Marine Bank, First Capital Bank of Texas

Pacific Western Bank, Unify Financial Federal Credit Union

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The Hanmi Story

1982

First Korean American

Bank in the U.S.

2007

Completed $70 million secondary common stock offering

"For 40 years, we have been dedicated to helping

our stakeholders bank on their dreams.

Our close customer partnerships, along with our

deep community ties, have enabled Hanmi to

grow and flourish and position us exceptionally

well for the next 40 years."

1988	2001
Began offering SBA loans;	Listed HAFC common stock
Acquired First Global Bank
2013	2014
C.G. Kum appointed as the new CEO;	Acquired Central Bancorp, Inc.
Bonnie Lee appointed as the new COO	($1.3B in assets acquired)

2004

Acquired Pacific Union Bank ($1.2B in assets)

2016

Acquired Commercial Equipment Leasing Division ($228M in assets)

2017	2018	2019
Assets surpassed $5 billion;	Opened Chinatown branch in	Bonnie Lee appointed as the
Opened a Manhattan, NY branch	Houston, Texas	new CEO

2020

Embarked on mortgage & digital banking initiatives

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