Hope Bancorp, Inc. · NASDAQ:HOPE
Hope Bancorp — Q4 2025 Earnings Presentation
20 slides from Hope Bancorp's earnings presentation, Jan 27, 2026
Slide 1: Fourth Quarter Earnings Conference Call
2025 Fourth Quarter Earnings Conference Call January 27, 2026
Slide 2: Forward Looking Statements & Additional Disclosures
Forward Looking Statements & Additional Disclosures Some statements in this news release may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statemen
Slide 3: Q4 2025 Financial Overview
Q4 2025 Financial Overview Total Capital & TCE Ratio (1) Strong Capital & Ample Liquidity at 12/31/25 • Total capital ratio was 13.99% at 12/31/25 13.99% / 9.76% • Tangible common equity (“TCE”) ratio(1) was 9.76% at 12/31/25 Deposits Total Deposits at 12/31/25 • Deposits of $15.6B at 12/31/25, -1%
Slide 4: Strong Capital Ratios
Strong Capital Ratios • Robust capital ratios: All capital ratios Capital Ratios increased QoQ; strong and well above requirements for “well-capitalized” financial Capital Metrics 12/31/2025 9/30/2025 12/30/2024 institutions Leverage Ratio 11.05% 10.86% 11.83% • Dividend: Quarterly common stock divi
Slide 5: Well-Diversified Loan Portfolio, Diverse & Granular Deposit Base
Well-Diversified Loan Portfolio, Diverse & Granular Deposit Base Loan Composition by Product Type Deposit Composition by Product Type $1.2B (8%) $4.6B $3.4B Multifamily (31%) (22%) Residential Time Deposits Noninterest Residential Bearing Demand Mortgage Nonowner- Deposits Occupied $15.6B & Other $1
Slide 6: Growing Net Interest Income & Expanding Net Interest Margin
Growing Net Interest Income & Expanding Net Interest Margin Net Interest Income & Net Interest Margin QoQ Change in Net Interest Margin ($ Millions) 2.89% -3bps +12bps +2bps 2.90% $127 $127 -10bps $117 Decrease in Decrease in $102 $101 other earning Decrease in Decrease in borrowing asset yield loan
Slide 7: Average Loans & Deposits, Yields & Rates
Average Loans & Deposits, Yields & Rates Average Loans Average Loan Yield Relative to Fed Funds Rate ($ Billions) $14.4 $14.5 $14.6 5.95% 5.88% 5.88% 5.92% 5.80% $13.6 $13.5 16.00 14.00 12.00 10.00 4.82% 8.00 6.00 4.50% 4.50% 4.46% 4.00 4.02% 2.00 0.00 4Q24 1Q25 2Q25 3Q25 4Q25 4Q24 1Q25 2Q25 3Q25 4Q
Slide 8: Growing Noninterest Income
Growing Noninterest Income Noninterest Income • Throughout 2025, management has been (excluding notable items) (1) focused on improving fee income ($ Millions) execution to diversify the Bank’s revenue streams GAAP Noninterest Income GAAP Noninterest Income $(23.0) $18.4 • 4Q25 noninterest income to
Slide 9: Noninterest Expense & Efficiency
Noninterest Expense & Efficiency Noninterest Expense Efficiency Ratio (excluding notable items) (1)(2) Reflects the close of the ($ Millions) Territorial Bancorp GAAP Noninterest Expense $99.4 acquisition on April 2, 2025 $96.9 115.8% $109.5 $83.9 $99.3 $77.6 $92.2 $95.9 $81.3 $23.7 $77.0 $23.9 $22.
Slide 10: Strengthened Asset Quality
Strengthened Asset Quality • Sustained improvement in asset quality Allowance for Credit Losses & Coverage Ratio Criticized Loans Ratio reflects proactive credit risk management ($ Millions) • Sequential quarterly balance decreases in $157 $153 criticized loans in each of the quarters of $151 $150 $
Slide 11: Management Financial Outlook for Full Year 2026 vs. 2025
Management Financial Outlook for Full Year 2026 vs. 2025 Metric 2025 Outlook for 2026 (1) Comments ($ Millions) 2026 loan growth driven by broad-based strengthening of production across major End-of-Period Gross Loans $ 14,788 ~ high single digit % growth loan segments, and impact from recent hiri
Slide 12: Medium-Term Financial Targets
Medium-Term Financial Targets(1) High single-digit >10% Mid-50% range ~1.2% % growth Targeting normalized annual Target efficiency ratio to be Targeting balanced growth across revenue growth to outpace loan achieved via revenue growth, growth, augmented by fee income Targeting attractive levels of b
Slide 13: Appendix
Appendix 13
Slide 14: Summary Balance Sheet
Summary Balance Sheet QoQ % YoY % ($ in millions, except per share data) 12/31/2025 9/30/2025 12/30/2024 change change Cash and due from banks $560.1 $454.9 23% $458.2 22% Investment securities 2,072.9 2,266.0 -9% 2,075.6 0% Federal Home Loan Bank (“FHLB”) stock and other investments 60.2 106.4 -43%
Slide 15: Summary Income Statement
Summary Income Statement QoQ % YoY % ($ in thousands, except share and per share data) 4Q25 3Q25 4Q24 change change Net interest income before provision for credit losses $127,405 $126,557 1% $102,135 25% Provision for credit losses 7,200 8,710 -17% 10,000 -28% Net interest income after provision fo
Slide 16: Summary Profitability Ratios
Summary Profitability Ratios (Ratios, except per share data; annualized, except as noted) 4Q25 3Q25 4Q24 FY2025 FY2024 Earnings per common share – diluted (not annualized) $0.27 $0.24 $0.20 $0.49 $0.82 Earnings per common share – diluted excluding notable items (not annualized)(1) $0.27 $0.25 $0.20
Slide 17: Non-GAAP Financial Measures Reconciliation
Non-GAAP Financial Measures Reconciliation Management reviews select non-GAAP financial measures in evaluating the Company’s and the Bank’s financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utiliz
Slide 18: Non-GAAP Financial Measures Reconciliation (cont'd)
Non-GAAP Financial Measures Reconciliation (cont’d) Management reviews select non-GAAP financial measures in evaluating the Company’s and the Bank’s financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measur
Slide 19: Diversified CRE Portfolio with Low LTVs
Diversified CRE Portfolio with Low LTVs Total CRE: Distribution by LTV (excl. SBA) $8.5B As a % of CRE Portfolio Avg Loan Size: > 55% - (at 12/31/25) > 60% - Gross Loans: Weighted Avg LTV(1): 60%: 65%: > 65% - 10% 7% 11% Multi-tenant Retail $2.5MM 70% $1,619MM 41.9% 50% - 55%: 5% 12% > 70%: 9% Indus
Slide 20: Granular CRE Portfolio, Diversified by Submarket
Granular CRE Portfolio, Diversified by Submarket 12/31/2025 CRE Portfolio by Size Segment CRE Portfolio by Geographic Submarket ($ Millions) Nevada Georgia Other States Average Weighted LA Fashion District Loan Size Balance # of Illinois Loan Size Average (at 12/31/25) ($ Millions) Loans Gateway Cit