Hanmi Financial : 1Q23 Earnings Supplemental Presentation

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 and changes in economic conditions, 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, liquidity and sources of funding, the size and composition of our deposit portfolio, including the percentage of uninsured deposits in the portfolio, increased assessments by the Federal Deposit Insurance Corporation, 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 April 25, 2023, 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 April 25, 2023, 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, and tangible common equity per share. 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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1Q23 Highlights

1. • Net income was $22.0 million, or $0.72 per diluted share, down 22.8% from $28.5 million, or $0.93 per diluted share, for the prior quarter
   • • Net interest income was $57.9 million, down 10.4% from the prior quarter
     • Noninterest income increased by 11.8% from the prior quarter to $8.3 million
     • Noninterest expense was $32.8 million, down 3.1% from the prior quarter
     • Efficiency ratio was 49.54%, compared with 46.99% for the prior quarter
   • Deposits increased by 0.5% from the prior quarter to $6.20 billion with noninterest-bearing demand deposits representing 37.6% of total deposits
   • • Cost of interest-bearingdeposits increased 103 basis points from the prior quarter to 2.73%
   • Loans receivable increased by 0.2% from the prior quarter to $5.98 billion
   • • Loan production was $303.6 million with an average rate of 7.19%
   • Credit loss expense was $2.1 million; allowance for credit losses to loans was 1.21% at March 31, 2023
   • Tangible common equity to tangible assets(1) was 8.77%, Common equity tier 1 capital ratio was 11.59% and total capital ratio was 14.80%
2. Non-GAAPfinancial measure; refer to the non-GAAP reconciliation slide

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