Hanmi Financial Corporation · NASDAQ:HAFC
Hanmi Financial — Raymond James U.S. Bank Conference 2013
29 slides from Hanmi Financial's conference presentation, Aug 21, 2013
Slide 1: Raymond James U.S. Bank Conference
Te | © Hanmi Financial Corp. RAYMOND JAMES® U.S. Bank Conference August 22, 2013 Cc. G. Kum, President & CEO
Slide 2: Safe Harbor Statement
1 Safe Harbor St and uncertainti safe harbor’ economie: lines, bal: forward-looking statements herein.
Slide 3: Second Quarter 2013 Highlights
Second Quarter 2013 Highlighis Q y i $15.3MM from $14.8MM in Q113 » NIM to4 hil Id improved 16 bps to 4.59% 11 bps lo it quality N. en isd J to 1.04% of total " tch A I SN g Tangibl. it $12.47 per share, up 13.2% from $11.02 at Q212 Hanmi Financial Corp.
Slide 4: Hanmi Today
Hanmi Today The oldest and premier Korean-American bank: the 30! anniversary in 2012 Free from regulato! guratory Sustained profitability for enforcement actions ii eleven consecutive quarters December 2012 Stable asset quality: PL down to $28 MM in Q213 Ranked 16 of the m $219 MM in Q409 100 top pe
Slide 5: Hanmi Tomorrow
Hanmi Tomorrow Vision: “To be the premier jaximization of sharehokiers value ~ 1, Accomplishment of organic growth through new growth drivers Hanmi Financial Corp. ‘CHANGING THE WaY YOU
Slide 6: Franchise Network
Franchise Network Korean American communities omnes rast Washington (1 LPO) er > _Abiene 7 oy oe : Texas Dallas, Texas (1 LPO) Hanmi Financial Corp.
Slide 7: Expanding Franchise Network - Dallas LPO
Expanding Franchise Network - Dallas LPO Demographics a font sel between 2000 and 2010 Small Businesses =| SBA d $1.3 Billi SBA Loans s = d Hanmi Financial Corp.
Slide 8: Korean American Banking Opportunity
Korean American Banking Opportunity population in the U.S. largest Korean American population - Other key markets: New York, ieee Chicago, Texas, Seattle and Atlan 60% greater Higher level of education 2010 Korean American Population” Re CarHusene eS Pennsylvania pulation Free Trade Agreement betwee
Slide 9: Korean American Banks in U.S.
Korean American Banks in U.S. and Deposits as of Q213|$ in thousands Total Assets Total Deposits BBCN Bancorp Inc. 45 $5,863,014 576,799 Wilshire Bancorp In $2,787,401 si 2 25 $2,182,298 Central Bancorp Inc. 24 $1,693,385 $1,491,913 7 $1,072,840 $943,689 45 $989,202 $861,425 $680,841 $603,264 10 $54
Slide 10: Profitability - Sustained Earnings
Profitability - Sustained Earnings Net Income (in millions) I Net Income Il Net Income before taxes Qn2 212 312 412 ans 213 ‘CHANGING THE WAY YOU LVE
Slide 11: Profitability - Sustained Earnings
Profitability - Sustained Earnings Net Interest Margin 4.10% an2 22 312 412 ans Hanmi Financial Corp. Q213
Slide 12: Profitability - Return and Efficiency
Profitability - Return and Efficiency ROMA ROAE OROAE 74.63% OROAA 66.56% 14.97% 15.02% 10.71% 9.70% 187% 1.94% 5 4s 37%, as a2. @n2 aziz, sia aaai2_ a3 aais qn2 72, siz, at
Slide 13: Profitability - Improving Yield & Cost
Profitability — Improving Yield & Cost eld on Interest Earning Assets & Cost of Interest Bearing S 1.30% Cost of Interest Bearing Liabilities 1.12% 0.89% Se. 0.78% Qn2 212 312 Qai2 Qn 213
Slide 14: Safety - Improving Asset Quality
Safety - Improving Asset Quality Nonperforming Loans Gn mili Gr Net Charge-Offs_& — [i Nonperforming Loans ll Net Char INL / Gross Loans Loans _ a milion: e Wet Charge: on / Average Gross Loans (Annualized) $50.2 $13.4 @i2 © @ziz2,— i223 as ‘CHANGING THE WaY YOU LvE
Slide 15: Safety - Strong Capital
Safety - Strong Capital Tier! Leverage Capital Ratio Tier Risk Based Capital Ratio 19.52% 18.74! 17.48% ‘a 14.70% 14.71% 14.95% 14.68% 12.90% 6 5% Tow =eEY? % Regulatory requirement for fegulatory requirement for secapr ined ben well-capitalized banks wee cebheueeeanee Qi12 @212_Q312_ 412-13 213 QN2
Slide 16: Growth - Leveraging Balance Sheet
Growth — Leveraging Balance Sheet an2 212 312 aai2 aus 213 Hanmi Financial Corp. ‘CHANGING THE WAY YOU LIVE ~
Slide 17: Growth - Solid Loan Growth
Growth - Solid Loan Growth mTotal Assets ™ Gross Loans 52,847 2,842 $2,771 7 $2,792 $2,773 $2,122 $2,187 $2,049 $1,977 $1,949 $1,958 | il Qll2 Q212 Q312 Q213
Slide 18: Growth - Increasing Demand Deposits
Growth - Increasing Demand Deposits Total Deposits & Demand Deposits/Total Deposits (in millions) Total Deposits @ Demand Deposits / Total Deposits 2.385 $2,396 $2,364 28 $2,363 $2,362 $2,333 30.47% aa 30.1% 298% a 29.4% 28.5% Qn2 212 312 Qai2 ans 213 ‘CHANGING THE WAY YOK
Slide 19: Investment Highlights
Investment Highlights ¢ Attractive valuation Stock Price Change (%) since August 2011 1B Price/Earnings? 11.9x LTM EPS mm Hanmi Finanetal Corp. Atesi2/i3 © Pricet/Tangible Book? 1.42 x = KBW Bank NIM (Q213) 4.10% 100% E2/TA? 4.22% 80% HAFC 127%] A bank with loyal customers 60% Attractive target mark
Slide 20: Q&A
Q&A
Slide 21: Appendix
Appendix
Slide 22: Growth - Diversified CRE Loan Portfolio
Growth — Diversified CRE Loan Portfolio $1.8 Billion* At Q213 Gas Station 15% Mixed Use 10% Apartment 6% Hotel/Motel 19% Church 4% Warehouse 2% Office 2% ‘ar Wash 1%. Retail 27% Wholesale 2% Others 8% * CRE loans include real estate loans and commercial and industrialloans backed by owner occupied r
Slide 23: Growth - Loan Portfolio
Growth —- Loan Portfolio ‘Owner occupied CRE, Non-owner occupied CRE, Cal" and Consumer Loans (in millions) Owner Occupied CRE li Non-owner Occupied CRE IIC&l and Consumer Loans $1,026 $849 $838 $860 ana ani2 @3i2 asia ans ais ‘CHANGING THE WAY YOU LVE
Slide 24: Growth - Increasing Core Deposits
Growth - Increasing Core Deposits Total Deposits (in millions) Demand Deposits Gin i $2,396 Demand Deposits $2,385 $2,384 92, soase 9288 04 $679 4 8 30.0% (31.1% 9.8% | 30.1% LK 29.4% ‘ODemand Deposits / Total Deposits 63 a2 a2 o4i2 ans —_aais MMDA & Savings Gin milions IMMA (Incl. Now)&Sovings OMMO
Slide 25: Safety - Improving Asset Quality
Safety - Improving Asset Quality Total Assets & Nonperforming Assets/Total Assets (in millions) nz $2,847 212 $2,842 312 I Total Assets @ Nonperto $2,883 ts ming Assets / Total Assets $2,773 Qs 213 ‘CHANGING THE WAY YOK
Slide 26: Safety - Improving Asset Quality
Safety - Improving Asset Quality fin millions) ALLL @ ALLL to Gross Loar @ Alito Nonperforming Loans Qi 212 312 412 ans 213
Slide 27: Safety - Strong Capital Leverage Capital Ratio
Safety — Strong Capital 1 Leverage Capital Ratio 14.70% 14.71% 14.95% = 14.68% va 12.90% 19.52% 17.46% 18.17% OOO ae 18.74% 19.37% @2 aziz, asi2,aai2, asa. Total Risk Based Capital Ratio 20.79% 20.88% ye.7ay 70.02% 1 9.457% i @2 22. @si2—~—=«CIDSCTTS SCOTS q@u2 aziz, @si2_—s asia a3 as. le Common Eq
Slide 28: Non-GAAP Reconciliation
Non-GAAP Reconciliation (in thousands, except per share data) Hanmi Financial Corporation Total as Less he rinangie assets Tangible a Total stockholders’ eg Less othe ange sits Tangible stockholders’ equity Toa stocked city ttt sets rngible common equity to tangible assets Common shares outstanding
Slide 29: Milestones
Milestones ith Successfully wed! .— Imenagement | ses $120 business ‘equity capital i ili cl operon ot Financial Masks $4bilion | pimorly om fe tae ‘Olymy ‘ca in asset sete American. Celebrates community 30” Anniversary, 1962 108619082001 2004. 200720082010 201120122013 Acquires . * 4 Pubic _ Pacifi
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