Hanmi Financial : Piper Sandler California Community Bank Tour

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Piper Sandler California Community Bank Tour

October 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 October 25, 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 October 25, 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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Non-GAAP Financial Information

This presentation contains financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America ("GAAP"). These non-GAAP measures include tangible common equity to tangible assets, allowance for credit losses to loans receivable adjusted for PPP loans, net interest margin adjusted for PPP loans, and efficiency ratio adjusted for PPP loans and securities losses. Management uses these "non-GAAP" measures in its analysis of the Company's performance. Management believes these non-GAAP financial measures allow for better comparability of period to period operating performance. Additionally, the Company believes this information is utilized by regulators and market analysts to evaluate a company's financial condition and therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. A reconciliation of the non-GAAP measures used in this presentation to the most directly comparable GAAP measures is provided in the Appendix to this presentation.

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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 3Q22
3. Non-GAAPfinancial measure; refer to the non-GAAP reconciliation slide

As of 3Q22

Total Assets

$7.1B

Loans

$5.8B

Deposits

$6.2B

Loan Growth(1)

11.3%

TBVPS(2)

$19.60

TCE/TA(2) Ratio

8.40%

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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

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