Hanmi Financial Corporation Investor Presentation — August 2021

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Virtual Community Bank Investor Conference

Forward -Looking Statements

Hanmi Financial Corporation (the “Company”) cautions investors thatanystatements contained herein thatarenot

historical facts areforward -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 and competitive

outlook, investment andexpenditure plans, capital andfinancing needs andavailability, litigation plans andobjectives,

merger orsale activity, theeffects ofCOVID -19onourbusiness, financial condition andresults ofoperations, andall

other forecasts and statements ofexpectation orassumption underlying any oftheforegoing .These statements

involve known and unknown risks and uncertainties that aredifficult topredict .Investors should notrelyonany

forward -looking statement and should consider risks, such aschanges ingovernmental policy, legislation and

regulations, economic climate uncertainty, fluctuations ininterest rateandcredit risk, competitive pressures, theability

tosucceed innew markets, balance sheet management, theability toidentify andremediate anymaterial weakness in

internal controls over financial reporting, andother operational factors .

Further, given itsongoing anddynamic nature, itisdifficult topredict thefullimpact oftheCOVID -19outbreak onour

business, financial condition andresults ofoperations .Theextent ofsuch impact willdepend onfuture developments,

which arehighly uncertain, including when thecoronavirus canbecontrolled andabated andwhether thecontinued