Hope Bancorp, Inc. · NASDAQ:HOPE
Hope Bancorp — Q2 2026 Earnings Presentation
21 slides from Hope Bancorp's earnings presentation, Jul 27, 2026
Slide 1: 2026 Second Quarter Earnings Conference Call
2026 Second Quarter Earnings Conference Call July 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: Q2 2026 Financial Overview – Continued Progress on Key Priorities
Q2 2026 Financial Overview – Continued Progress on Key Priorities Capital - Strong position and effective deployment • Total capital ratio was 13.95% at 06/30/26; tangible common equity (“TCE”) ratio(1) was 9.58% at 06/30/26 • Repurchased ~773 thousand common shares in 1H26; declared common stock di
Slide 4: Strong Capital Ratios and Effective Capital Management
5.00% 5.00% 6.50% 10.00% TCE Ratio Leverage Ratio CET1 Capital Ratio Total Capital Ratio Well Capitalized Regulatory Minimum Capital above well capitalized regulatory minimum Strong Capital Ratios and Effective Capital Management • Returning capital to stockholders: – Dividend: Quarterly common stoc
Slide 5: Well-Diversified Loan Portfolio, Diverse & Granular Deposit Base
Nonowner- Occupied CRE C&I Owner- Occupied CRE Residential Mortgage & Other Multifamily Residential Noninterest Bearing Demand Deposits Money Market, Interest Bearing Demand & Savings Deposits Time Deposits Well-Diversified Loan Portfolio, Diverse & Granular Deposit Base Loan Composition by Product
Slide 6: Growing Net Interest Income and Improving Net Interest Margin
Growing Net Interest Income and Improving Net Interest Margin • 2Q26 net interest income (“NII”) of $129MM, up 4% QoQ, reflected net interest margin (“NIM”) expansion and average loan growth. NII up 10% YoY from $117MM • 2Q26 NIM of 2.96%, up 6bps QoQ, primarily driven by positive impact of higher l
Slide 7: Average Loans, Deposits, Yields & Rates
$12.6 $12.4 $12.3 $12.2 $12.3 $3.5 $3.5 $3.5 $3.3 $3.4 2Q25 3Q25 4Q25 1Q26 2Q26 Avg Interest Bearing ("IB") Deposits Avg Non IB Deposits 90% 91% 93% 94% 94% 2.96% 2.88% 2.75% 2.64% 2.60% 3.77% 3.69% 3.52% 3.37% 3.31% 4.50% 4.46% 4.02% 3.75% 3.75% 2Q25 3Q25 4Q25 1Q26 2Q26 Cost of Total Deposits (annu
Slide 8: Positive Momentum in Noninterest Income
Positive Momentum in Noninterest Income • 2Q26 noninterest income increased to $19MM, up $2MM QoQ, and up $3MM YoY, excluding notable items(1)(2) • QoQ growth reflected higher net gains on SBA loan sales, growth in customer-related income and fees, and increased net gains on the sale of AFS securiti
Slide 9: Noninterest Expense Discipline & Improved Efficiency
Noninterest Expense Discipline & Improved Efficiency 115.8% 68.2% 68.2% 67.0% 66.6% 69.1% 67.5% 68.2% 66.9% 65.2% 2Q25 3Q25 4Q25 1Q26 2Q26 Efficiency Ratio (GAAP) Efficiency Ratio (ex. notable items) $52.3 $54.1 $57.9 $56.2 $56.9 $11.1 $11.6 $11.5 $10.6 $11.4 $9.2 $9.7 $9.8 $9.9 $10.3 $19.6 $20.5 $2
Slide 10: Stable Asset Quality, Meaningfully Improved YoY
Stable Asset Quality, Meaningfully Improved YoY • Allowance for credit losses (“ACL”) of $153MM; ACL coverage ratio 1.03% of loans receivable at 06/30/26 vs. 1.06% at 03/31/26 and 1.04% at 06/30/25 • Criticized loans of $334MM at 06/30/26, up $9MM, or 3%, QoQ; meaningfully down $80MM, or 19%, YoY •
Slide 11: Management Financial Outlook for Full Year 2026 vs. 2025
Management Financial Outlook for Full Year 2026 vs. 2025 Metric 2025 ($ Millions) Outlook for 2026 (1) Comments End-of-Period Gross Loans $ 14,788 ~ 20% growth (unchanged) ▪ Combination of organic growth and impact of the pending MANUBANK acquisition, expected to close in second half of 2026, subjec
Slide 12: Appendix
APPENDIX
Slide 13: 2Q26: Summary Balance Sheet
2Q26: Summary Balance Sheet ($ in millions, except per share data) 06/30/2026 03/31/2026 QoQ % change 06/30/2025 YoY % change Cash and due from banks $640.4 $594.8 8% $689.7 -7% Investment securities 2,179.3 2,186.0 0% 2,268.9 -4% Federal Home Loan Bank (“FHLB”) stock and other investments 70.4 68.8
Slide 14: 2Q26: Summary Income Statement
2Q26: Summary Income Statement ($ in thousands, except share and per share data) 2Q26 1Q26 QoQ % change 2Q25 YoY % change Net interest income before provision for credit losses $128,969 $124,057 4% $117,455 10% Provision for credit losses 6,770 8,650 -22% 11,092 -39% Net interest income after provis
Slide 15: 2Q26: Summary Profitability Ratios
2Q26: Summary Profitability Ratios (Ratios, except per share data; annualized, except as noted) 2Q26 1Q26 2Q25 Earnings (loss) per common share – diluted (not annualized) $0.26 $0.23 $(0.19) Earnings per common share – diluted excluding notable items (not annualized)(1) $0.27 $0.23 $0.19 Return on a
Slide 16: 2Q26: Non-GAAP Financial Measures Reconciliation
2Q26: Non-GAAP Financial Measures Reconciliation Management reviews select non-GAAP financial measures in evaluating the Company’s and the Bank’s financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures
Slide 17: 2Q26: Non-GAAP Financial Measures Reconciliation (cont'd)
2Q26: Non-GAAP Financial Measures Reconciliation (cont’d) Profitability & Ratios Excluding Notable Items ($ in thousands, except share and per share info) 2Q26 1Q26 2Q25 Net income (loss) (GAAP) $33,031 $29,540 $(24,750) Notable items: Merger related provision for credit losses $- $- $553 Loss on in
Slide 18: 2Q26: Diversified CRE Portfolio with Low LTVs
2Q26: Diversified CRE Portfolio with Low LTVs Total CRE: Distribution by LTV (excl. SBA) < 50%, 59% 50% - 55%: 9% > 55% - 60%: 9% > 70%: 8%$8.5B CRE Portfolio (at 06/30/26) 47% Weighted Avg LTV(1) (1) Excludes loans held for sale. (2) Weighted average loan-to-value (“LTV”): Current loan balance divi
Slide 19: 2Q26: Granular CRE Portfolio, Diversified by Submarket
LA Fashion District Gateway Cities San Gabriel Valley South Bay LA Koreatown Other LA County (No exposure to downtown LA commercial business district) Orange County San Bernardino County Riverside County Other SoCal San Francisco, $45 Greater SF Bay Area Other NorCal Manhattan Queens County Kings Co
Slide 20: 2Q26: California Core with a Diversified National Deposit Franchise
California $9.3B New York & New Jersey $2.6B Hawaii $2.0B Other States $2.0B 2Q26: California Core with a Diversified National Deposit Franchise Deposits by State at 06/30/26 $15.9B Total Deposits (at 06/30/26) 20 • California represents 59% of total deposits. More than 40% of deposits are sourced o
Slide 21: Thank you
ih Thank you Hope Bancorp