Hanmi Financial Corporation Investor Presentation — April 2024

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1Q24 Earnings Supplemental Presentation

Hanmi Financial Corporation (the“Company”) cautions investors that anystatements contained herein that arenothistorical facts are

forward -looking statements within themeaning ofthe“safeharbor” 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, financial condition andresults ofoperations, andallother forecasts andstatements of

expectation orassumption underlying anyoftheforegoing .These statements involve known andunknown risks anduncertainties thatare

difficult topredict .Investors should notrelyonanyforward -looking statement andshould consider risks, such aschanges ingovernmental

policy, legislation andregulations, economic uncertainty andchanges ineconomic conditions, inflation, thecontinuing impact oftheCOVID -

19pandemic onourbusiness andresults ofoperations, fluctuations ininterest rate andcredit risk, competitive pressures, theability to

succeed innew markets, balance sheet management, liquidity andsources offunding, thesize andcomposition ofourdeposit portfolio,

including thepercentage ofuninsured deposits intheportfolio, increased assessments bytheFederal Deposit Insurance Corporation, riskof

natural disasters, afailure inorbreach ofouroperational orsecurity systems orinfrastructure, including cyberattacks, theadequacy ofand