Hope Bancorp, Inc. · NASDAQ:HOPE
Hope Bancorp — Q3 2025 Earnings Presentation
19 slides from Hope Bancorp's earnings presentation, Oct 28, 2025
Slide 1: Third Quarter 2025 Earnings Conference Call
2025 Third Quarter Earnings Conference Call October 28, 2025
Slide 2: Forward Looking Statements & Additional Disclosures
Forward Looking Statements & Additional Disclosures Some statements in this presentation 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: Q3 2025 Financial Overview
Q3 2025 Financial Overview Total Capital & TCE Ratio(1) at 9/30/25 Strong Capital & Ample Liquidity • Total capital ratio was 13.83% at 9/30/25 13.83% / 9.63% • Tangible common equity (“TCE”) ratio(1) was 9.63% at 9/30/25 Total Deposits at 9/30/25 Deposits • Deposits of $15.8B at 9/30/25, -1% QoQ: d
Slide 4: Strong Capital Ratios
Strong Capital Ratios Common Equity Tier 1 Capital Ratio Tangible Common Equity (“TCE”) Ratio(1) • Robust capital ratios: All capital ratios increased QoQ; strong and well above requirements for “well-capitalized” financial institutions • Pro forma capital strong: Adjustments for the allowance for c
Slide 5: Diverse & Granular Deposit Base
Diverse & Granular Deposit Base Deposit Composition by Product Type Deposit Composition by Customer Type Change in deposit composition reflected Territorial Savings Bank Noninterest Bearing acquisition Demand Deposits 22% 7% 7% 7% 5% 4% Time Deposits 3% 3% 2% 2% 3% 40% 39% 40% 40% 47% 48% $15.8B Tot
Slide 6: Well-Diversified Loan Portfolio
Well-Diversified Loan Portfolio Held for Sale, 0.2% $33MM • Loan portfolio well-diversified across $1.2B Avg Size: $1.2MM major loan types of nonowner- Avg Size: $2.4MM occupied CRE, C&I, owner-occupied Multifamily CRE, residential mortgage, and Residential $4.5B multifamily residential loans 8% Avg
Slide 7: Net Interest Income & Net Interest Margin
Net Interest Income & Net Interest Margin Net Interest Income & Net Interest Margin QoQ Change in Net Interest Margin ($ Millions) +6bps 2.89% $127 +5bps $118 +4bps $105 $102 +5bps Decrease in $101 funding costs 2.69% Increase in Increase in securities & 2.89% loan yield other earning Change in bala
Slide 8: Average Loans & Deposits, Yields & Rates
Average Loans & Deposits, Yields & Rates Average Loans Average Loan Yield Relative to Fed Funds Rate ($ Billions) 6.16% $14.4 $14.5 5.95% 5.88% 5.88% 5.93% $13.6 $13.6 $13.5 16.00 14.00 12.00 10.00 5.43% 4.82% 8.00 6.00 4.50% 4.50% 4.46% 4.00 2.00 0.00 3Q24 4Q24 1Q25 2Q25 3Q25 3Q24 4Q24 1Q25 2Q25 3Q
Slide 9: Noninterest Income
Noninterest Income Noninterest Income (excluding notable items) (1) ($ Millions) • 3Q25 noninterest income totaled GAAP Noninterest Income $15.4MM compared with GAAP Noninterest Income $(23.0) $15.9MM, excluding notable $15.9 items(3), for 2Q25 $15.7 $15.9(3) (2) $15.4 $14.9 • Growth QoQ in deposit
Slide 10: Noninterest Expense & Efficiency
Noninterest Expense & Efficiency Noninterest Expense Efficiency Ratio (excluding notable items) (1)(2) Reflects the close of the ($ Millions) Territorial Savings Bank acquisition on April 2, 2025 GAAP Noninterest Expense $96.9 115.8% $109.5 $81.3 $83.9 $77.6 $92.2 $95.9 $79.8 $81.3 $77.0 $23.9 $22.7
Slide 11: Asset Quality Metrics
Asset Quality Metrics • Improving asset quality metrics reflect Allowance for Credit Losses & Coverage Ratio Criticized Loans Ratio prudent risk management ($ Millions) • Allowance for credit losses (“ACL”) coverage $153 ratio: 1.05% of loans receivable as of $153 $151 $150 9/30/25 vs. 1.04% as of 6
Slide 12: Updated Management Financial Outlook for Full Year 2025 vs. 2024
Updated Management Financial Outlook for Full Year 2025 vs. 2024 Metric 2024 Outlook for 2025 (1) Comments on Update ($ Millions) End-of-Period Loans High single-digit % growth 4Q25 loan growth driven by continued strengthening of production trends, gains in $ 13,633 (including HFS) (Unchanged) fr
Slide 13: Appendix
Appendix 13
Slide 14: Summary Balance Sheet
Summary Balance Sheet QoQ YoY ($ in millions, except per share data) 9/30/25 6/30/25 9/30/24 % change % change Cash and due from banks $ 454.9 $ 689.7 (34)% $ 680.9 (33)% Investment securities 2,266.0 2,268.9 0% 2,177.3 4% Federal Home Loan Bank (“FHLB”) stock and other investments 106.4 106.8 0% 57
Slide 15: Summary Income Statement
Summary Income Statement QoQ YoY ($ in thousands, except share and per share data) 3Q25 2Q25 3Q24 % change % change Net interest income before provision for credit losses $ 126,642 $ 117,533 8% $ 104,809 21% Provision for credit losses 8,710 15,000 (42)% 3,280 166% Provision for credit losses exclud
Slide 16: Appendix: Non-GAAP Financial Measures Reconciliation
Appendix: 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 measu
Slide 17: Appendix: Non-GAAP Financial Measures Reconciliation (cont’d)
Appendix: 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 financ
Slide 18: Diversified CRE Portfolio with Low LTVs
Diversified CRE Portfolio with Low LTVs Total CRE: Distribution by LTV (excl. SBA) $8.4B As a % of CRE Portfolio Avg Loan Size: (at 9/30/25) > 55% - > 60% - Total Loans: Weighted Avg LTV(1): 60%: 65%: > 65% - 9% 7% 70% 11% Multi-tenant Retail $2.5MM $1,613MM 41.3% 6% 50% - 55%: 12% > 70%: 9% Industr
Slide 19: Granular CRE Portfolio, Diversified by Submarket
Granular CRE Portfolio, Diversified by Submarket 9/30/2025 CRE Portfolio by Size Segment CRE Portfolio by Geographic Submarket ($ Millions) Nevada Weighted Georgia Other States # of Average LA Fashion District Loan Size Balance Average Illinois (at 9/30/25) ($ Millions) Loans Loan Size Gateway Citie