Hanmi Financial : Piper Sandler Western Financial Services Conference

Piper Sandler's

2022 Western Financial Services Conference

March 8, 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 climate uncertainty, 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.

Further, given its ongoing and dynamic nature, it is difficult to predict the full impact of the COVID-19 pandemic on our business, financial condition and results of operations. The extent of such impact will depend on future developments, which are highly uncertain, including when the coronavirus can be controlled and abated. As the result of the COVID- 19 pandemic and the related adverse local and national economic consequences, we could be subject to various risks, any of which could have a material, adverse effect on our business, financial condition, liquidity, and results of operations.

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 January 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 January 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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The Hanmi Story

1982	2014
First Korean American Bank in the U.S.	Acquired Central Bancorp, Inc. ($1.3B
in assets acquired)
1988	2016
Began offering SBA loans	Acquired Commercial Equipment Leasing
Acquired First Global Bank	Division (CELD)
2001	2017
Listed HAFC common stock	Assets surpassed $5 billion
Opened a Manhattan, NY branch
2004	2018
Acquired Pacific Union Bank	Opened Houston Chinatown
($1.2B in assets acquired)	branch in Texas
2007	2020
Completed $70 million secondary	Embarked on mortgage & digital
common stock offering	banking initiatives by on-boarding
	new management team

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Management Team

		Banking	Hanmi
Name	Position	Experience	Experience	Previous Experience
		(Years)	(Years)
Bonnie Lee	President & CEO	35	8	BBCN Bancorp, Shinhan Bank America, Nara
Bank
Romolo Santarosa	SEVP, Chief Financial Officer	30	6	Opus Bank, First California Financial Group
Anthony Kim	EVP, Chief Banking Officer	27	8	BBCN Bancorp
Matthew Fuhr	EVP, Chief Credit Administration Officer	25	6	Pacific Western Bank, FDIC
Mike Park	EVP, Chief Credit Risk Officer	33	7	East West Bank
Anna Chung	EVP, Chief SBA Lending Officer	38	7	East West Bank, Nara Bank, Wilshire Bank,
First American Bank
Navneeth Naidu	EVP, Chief Technology Officer	19	3	Columbia Bank, American Marine Bank, First
Capital Bank of Texas
Michael Du	SVP, Chief Risk Officer	22	2	Pacific Western Bank, Unify Financial Federal
Credit Union

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Hanmi at a Glance

Equity Snapshot (as of January 27, 2022)
Headquarters:	Los Angeles, CA
Ticker:	NASDAQ: HAFC
Share Price:	$26.39
52 Week Range:	$13.68 - $28.84
Market Cap:	$796.0 Million
Avg. 3M Daily Volume:	181,260
Dividend Yield:	3.03%

Bank Network(1)

WASHINGTON

1			3	1	2	1
										NY / NJ
	1			ILLINOIS
							VIRGINIA
			COLORADO					1		1
CALIFORNIA
				GEORGIA
22	1
			1

TEXAS

7 1

Branch

Loan Production Office (LPO)

Focus on growth and value preservation for our shareholders

• Second largest Korean American Bank with 39 years of history and $6.9 billion in assets
• 35 branches coast-to-coast in major banking markets & 8 LPOs
• Commitment to conservative, disciplined underwriting, and strong asset quality
• Well capitalized, significantly above the regulatory requirements

		Assets					Loans
		$ billions					$ billions
	$5.2	$5.5	$5.5	$6.2	$6.9	$3.8	$4.3	$4.6	$4.6	$4.9	$5.2
$4.7

2016 2017 2018 2019 2020 2021 2016 2017 2018 2019 2020 2021

		Deposits						Net Income
		$ billions						$ millions
		$4.8	$4.7	$5.3	$5.8
	$4.4								$98.7
$3.8
					$56.5	$54.7	$57.9		$42.2
101%	99%	97%	98%	93%	89%					$32.8
2016	2017	2018	2019	2020	2021
					2016	2017	2018	2019	2020	2021

1. Branches and LPO's are strategically located in the top MSAs for Asian Americans: Los Angeles, San Francisco, New York, Chicago, Dallas, Houston, Seattle, Colorado, and Atlanta

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