Hanmi Financial Corporation Investor Presentation — July 2024

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2Q24 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, 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 and results ofoperations, fluctuations ininterest rate and credit risk, competitive pressures ourability to

access cost-effective funding, theability toenter into new markets successfully and capitalize ongrowth opportunities, balance sheet

management, liquidity andsources offunding, thesizeandcomposition ofourdeposit portfolio, andthepercentage ofuninsured deposits in

theportfolio, increased assessments bytheFederal Deposit Insurance Corporation, riskofnatural disasters, afailure inorbreach ofour