Hanmi Financial Corporation Investor Presentation — October 2022

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3Q22 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 and regulations, economic uncertainty and changes ineconomic conditions,

inflation, thecontinuing impact oftheCOVID -19pandemic onourbusiness andresults ofoperations, fluctuations ininterest rateandcredit

risk, competitive pressures, theability tosucceed innew markets, balance sheet management, theability toidentify andremediate any

material weakness ininternal controls over financial reporting, andother operational factors .

Forward -looking statements arebased upon thegood faith beliefs andexpectations ofmanagement asofthisdate only andarefurther