Hope Bancorp (HOPE) investor relations material

Executive summary

• Q3 net income was $35.6MM, up 8% QoQ and 16% YoY; diluted EPS was $0.28. Excluding notable items, net income was $37.5MM and EPS was $0.29.

• Revenue was $157.5MM, up 7% QoQ and 11% YoY; PPNR was $54.7MM, up 11% QoQ and 21% YoY, supported by loan growth, margin expansion and higher fee income.

• The October 1 MANUBANK commercial banking acquisition expanded Southern California reach and added commercial banking capabilities and Japanese business relationships.

Financial highlights

• Net interest income was $135.4MM, up 5% QoQ and 7% YoY; noninterest income was $22.1MM, up 17% QoQ and 44% YoY.

• Noninterest expense was $102.8MM, up 4% QoQ and 6% YoY; excluding $2.65MM of merger costs, expense was $100.1MM.

• Provision for credit losses was $8.6MM, versus $6.8MM in Q2; net income rose from $33.0MM in Q2 to $35.6MM.

• Q3 SBA loan sales totaled $72.2MM, generating a $4.7MM gain; other loan sales generated $3.1MM in net gains.

Outlook and guidance

• FY26 end-of-period gross loans are expected to grow ~15% YoY, including acquired balances and net of the SBA loan sale.

• FY26 revenue growth guidance is ~16%–18% and PPNR growth guidance is ~23%–25%, excluding notable items and including MANUBANK operations in Q4.

• Detailed 2027 guidance is expected with Q4 earnings; acquired balances and teams are expected to support growth in 2027 and beyond.

• Fully phased-in MANUBANK cost savings are expected to exceed 40% of its $136MM starting expense run rate; full savings are anticipated in 2028 after core conversion.