Hanmi Financial (HAFC) investor relations material

Executive summary

• Achieved strong financial performance in 2025, with net income of $76.1 million, a 22% increase from the prior year, and a total stockholder return of 19.6%.

• Loan growth reached 5%, with significant expansion in C&I lending and diversification of the loan portfolio.

• Opened a new branch in Georgia and expanded the Corporate Korea initiative, resulting in over $1 billion in deposits.

• Increased quarterly dividend by 4% and expanded share repurchase authorization in January 2026.

• Enhanced community impact with a 32% increase in small business and community development loans and significant volunteer hours.

Voting matters and shareholder proposals

• Election of eleven directors for one-year terms expiring at the 2027 Annual Meeting.

• Advisory vote to approve executive compensation (Say-on-Pay).

• Approval of the 2026 Employee Stock Purchase Plan (ESPP), reserving 500,000 shares for eligible employees.

• Ratification of Crowe LLP as independent registered public accounting firm for fiscal year ending December 31, 2026.

• Board recommends voting “FOR” all proposals.

Board of directors and corporate governance

• Board consists of eleven nominees with diverse backgrounds in finance, banking, technology, and risk management.

• Majority of directors are independent; only the CEO is not independent.

• Four standing committees: Audit, Compensation and Human Resources (CHR), Nominating and Corporate Governance (NCG), and Risk, Compliance and Planning (RCP).

• Board leadership structure separates Chairman and CEO roles.

• Annual board and committee evaluations, with a focus on diversity and succession planning.