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2Q24 Earnings Supplemental Presentation July 23, 2024 Los Angeles New York/ New Jersey Virginia Chicago Dallas Houston San Francisco San Diego
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
operational orsecurity systems orinfrastructure, including cyberattacks, theadequacy ofandchanges inthemethodology ofcalculating our
allowance forcredit losses, andother operational factors .
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 July23,2024 ,
including thesection titled “Forward Looking Statements” and theCompany’s most recent Form 10-K,10-Qand other filings with the
Securities andExchange Commission (“SEC”) .TheCompany disclaims anyobligation toupdate orrevise theforward -looking statements
herein .Forward -Looking Statements
2This presentation contains financial information determined bymethods other than inaccordance with accounting principles generally
accepted intheUnited States ofAmerica (“GAAP”) .These non-GAAP measures include tangible common equity totangible assets, and
tangible common equity pershare .Management uses these “non-GAAP” measures initsanalysis oftheCompany’s performance .
Management believes these non-GAAP financial measures allow forbetter comparability ofperiod toperiod operating performance .
Additionally, theCompany believes thisinformation isutilized byregulators andmarket analysts toevaluate acompany’s financial condition
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