Hanmi Financial (HAFC) Investor presentation summary

Business overview and strategy

• Operates 32 full-service branches and 8 loan production offices across 9 states, focusing on MSAs with high Asian-American and multi-ethnic populations.

• Second largest Korean-American bank in the U.S., with a strong track record of growth since 1982.

• Demonstrated successful portfolio diversification, reducing CRE concentration from 85% in 2013 to 62% in 2025.

• Maintains a well-capitalized position, significantly above regulatory requirements.

• Strong corporate governance with 90% independent board and robust shareholder engagement.

Financial performance and growth

• Achieved 10% CAGR in average loans and 9% CAGR in average deposits since 2013.

• 3Q25 net income was $22.1 million ($0.73 per diluted share), up 45.9% year-over-year.

• Net interest income for 3Q25 was $61.1 million, with a net interest margin of 3.22%.

• Efficiency ratio improved to 52.65% in 3Q25, reflecting well-managed expenses.

• Tangible book value per share increased to $25.64 at quarter-end.

Loan and deposit portfolio

• Loans receivable reached $6.53 billion, up 3.5% from the prior quarter; deposits totaled $6.77 billion.

• CRE loans comprise 62% of the portfolio, C&I 16%, RRE 16%, and equipment finance 6%.

• Noninterest-bearing deposits represent 30.8% of total deposits; estimated uninsured deposits are 44.2%.

• USKC loans and deposits represent 14% and 15% of respective portfolios, with strong credit metrics.