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1Q22 Earnings Supplemental Presentation April 26, 2022 Los Angeles New York/ New Jersey Virginia Chicago Dallas Houston San Francisco San Diego
1Q22 Earnings Supplemental Presentation
Hanmi Financial Corporation (the “Company”) cautions investors that anystatements contained herein that arenothistorical facts are
forward -looking statements within themeaning ofthe“safe harbor” provisions ofthePrivate Securities Litigation Reform Actof1995 ,
including, butnotlimited to,those statements regarding operating and financial performance, financial position and liquidity, business
strategies, regulatory, economic andcompetitive outlook, investment andexpenditure plans, capital andfinancing needs andavailability,
litigation, plans andobjectives, merger orsale activity, theeffects ofCOVID -19onourbusiness, financial condition andresults ofoperations,
andallother forecasts andstatements ofexpectation orassumption underlying anyoftheforegoing .These statements involve known and
unknown risks anduncertainties thataredifficult topredict .Investors should notrelyonanyforward -looking statement andshould consider
risks, such aschanges ingovernmental policy, legislation andregulations, economic climate uncertainty, inflation, fluctuations ininterest rate
and credit risk, competitive pressures, theability tosucceed innew markets, balance sheet management, theability toidentify and
remediate anymaterial weakness ininternal controls over financial reporting, andother operational factors .
Further, given itsongoing anddynamic nature, itisdifficult topredict thefullimpact oftheCOVID -19pandemic onourbusiness, financial
condition andresults ofoperations .The extent ofsuch impact willdepend onfuture developments, which arehighly uncertain, including
when thecoronavirus canbecontrolled andabated .Astheresult oftheCOVID -19pandemic andtherelated adverse local andnational
economic consequences, wecould besubject tovarious risks, anyofwhich could have amaterial, adverse effect onourbusiness, financial
condition, liquidity, andresults ofoperations .
Forward -looking statements arebased upon thegood faith beliefs andexpectations ofmanagement asofthisdate only andarefurther
subject toadditional risks anduncertainties, including, butnotlimited to,theriskfactors setforth inourearnings release dated April 26,
2022 ,including thesection titled “Forward Looking Statements andtheCompany’s most recent Form 10-K,10-Qandother filings with the
Securities andExchange Commission (“SEC”) .Investors areurged toreview ourearnings release dated April 26,2022 ,including thesection
titled “Forward Looking Statements andtheCompany’s SEC filings .TheCompany disclaims anyobligation toupdate orrevise theforward -
looking statements herein .Forward -Looking Statements
$0.68 1.22% 3.10% 53.29% $20.02Efficiency Ratio TBVPS* ROAA NIM Net Income Diluted EPS
*Non -GAAP financial measure; refer to the non -GAAP reconciliation slide •Net income was $20.7 million, or $0.68 per diluted share, down 37.9% from $33.3 million, or $1.09 per diluted share for the prior quarter and
up 24.2% from $16.7 million, or $0.54 per diluted share for the first quarter in 2021
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Champion Iron