Hanmi Financial Corporation · NASDAQ:HAFC
Hanmi Financial — Sandler O'Neill + Partners West Coast Financial Services Conference (March 2013)
18 slides from Hanmi Financial's conference presentation, Mar 5, 2013
Slide 1: West Coast Financial Services Conference
SANDLER O’NEILL + PARTNERS, L.P. a West Coast Financial Services Conference THE Bank of Choice © Hanmi Bank Hanmi Financial Corp.| Nasdaq: HAFC Jay S. Yoo / President & CEO Mark Yoon / SVP & Interim CFO, Chief Strategy Officer March 5* 2013
Slide 2: Forward Looking Statement Disclaimer
Forward Looking Statement Disclaimer Please read the following information before reviewing the information contained herein: This presentation contains forward-looking statements, which are included in accordance with the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1
Slide 3: Vision
Vision “We will be the quality market leader in the banking industry, thereby becoming the FIRST CHOICE of employees, customers and shareholders." Hanmi Financial Corp. ‘CHANGING THE WAY YoU UV!
Slide 4: Investment Highlights
The oldest and = Completely removed all regulatory orders in December 2012 Investment Highlights premier Korean- Free from regulatory = Sharply reduced non-performing assets to $38 million in 2012, from $245 million in 2009 Maintained strong capital levels, with tangible book value increasing nearly
Slide 5: Milestones
Milestones SBA Pir'teNdeR Obtains SBA. Launches wealth Preferred management ieee, NASDAQ | Program i Successfully Commences license Lists Hanmi Monks $4 billion | rcises $120 operations at Financial million in equity 3737 Olympic Corporation capital primarily Blvd. stock on from the Korean Celebrate
Slide 6: Premier Korean-American Bank in the U.S.
As of Q412|$in thousands Po Bank | Branches | __ Total Assets Total US D Premier Korean-American Bank in the U.S. BBCN Bancorp Inc. $5,640,661 $4; a 035 on Wilshire Bancorp Inc. 24 $2,750,863 $2,166,809 United Central Bank 24 $1,862,389 $1,642,101 Woori America Bank* 7 $990,245 $870,916 Shinhan Bank
Slide 7: Franchise Network Branches & LPO in Major Korean Communities
Franchise Network 27 Branches & 1 LPO strategically positioned in and near major Korean Communities % ssrangereruns La Canada Flintridge WA State (1 LPO)
Slide 8: 2012 Developments
* Q412 earnings marked its ninth sustained profitable quarter, with DTA valuation allowance reversal contributing $47.4 million in 2012 2012 Developments * Credit quality continued to improve > NPAs declined 28% to $38.1 million from $52.6 million ONM > Classified assets to tier 1 capital plus ALLL
Slide 9: Financial Highlights
Financial High! ights Total Assets O Net Loans to Deposits “Net Income 2,907 2,880 2883 58 10 5 1314 Saatia til Q4 Ql Q2 G3 Q4 QI Q2 Q3 Q4 Q4 Ql G2 Q3 G4 Ql Q2 G3 Q4 Q4 Ql Q2 Q3 Q4 QI Q2 GQ Q4 2010. 2011 2012 2010-2011 2012 2010-2011 2012 | richights — Balance sheet (in mitions) | asio | ain Laan aa
Slide 10: Loan Portfolio
Loan Portfolio = — lMReal Estate Loans = ros Loans’ ICA and Consumer Loans* ALLL to Gross Loans 1,189 1.160 1143 Lio 1118 ait an 212 312 siz aan a2 212 312 aai2 * Commercial and industrial loans include owner-occupied commercial real estate loans Hanmi Financi
Slide 11: Loan Portfolio - continued
Loan Portfolio - continued oan Port $1.7 Billion At Q412 Gas Station 15% Mixed Use 10% Apartment 6% Motel 19% L—_ Church 4% ——— Industrial 4% SS Chic Car Wash 2% Wholesale 2% Warehouse 2% Retail 27% Others 7% * CRE loans include real estate loans and commercial and industrial loans backed by owner o
Slide 12: Deposit Portfolio
Deposit Portfolio 'HNon-Interest Bearing Deposits ‘ONon-Int. Bearing Dep. / Total Deposits Q4il Quiz Q2i2 Q312 Q4i2 etlificate of Deposit (TCD) finmilions) mqcD OICD/ Total Deposits aa Quiz 212 Q3i2 412 IMMDA (Incl. Now}&Savings OMMDA Incl. Now]&Savings/Total Dep. 6 212 312 Total Deposits 2,363 uz 2
Slide 13: Profitability
Profitability A © ROAA © ROAE pain) pale} 8.24% ai 74.63% 3.24% seed 27.55% 87% 1 15.02% sim 208 iis 9.50% 10.24: — 1100 aa a2 az2 siz aai2 211 2012 Qa a2 Qz2 @I2_— N21 NIM. ncy ONM O Efficiency felis) palo) we 3.77% 69.03% 66: 3.84% os ef “ . we 61.07% . 59.81%, 3.66% 3.69% 3.69% 57.66% nS aie _q2i
Slide 14: Asset Quality
Asset Quality lM Nonperforming Loans Classified Loans ONPL / Gross Loans special Mention 2.28% rming Los aii Quiz 212 312 412 ait au Q2i2 312 ai Hanmi Financi
Slide 15: Capital Adequacy
Capital Adequacy Tier! Leverage Capital Ratio 14.70% 14.71% 14.95% 13.34% 13.40% aan a2 212 312 ai2 aan a2 212 312 aai2 18.66% 18.74% 12.20% 10.36% 10.55% ‘Non-GAAP financial measures at Qn2 212 312 ai al Qn2 212 312 ai Hanmi Financial Cor
Slide 16: Yield/Cost/Rate
Yield/Cost/Rate Cost of Interest Bearing Liability Yield Earned on Interest Earning Assets and Yield on Loans Yield Eamed on interest Eaming Assets geile} pale) ap Yield on Loans yID ee 1.41% 1.30% 5.55% a pg 5.44% 5.38% aig 5.47% 1.12% I 1.01% 0.83% Qa Qi2 212 @si2__ aaa 2011 Qa Qn2 212,32 aaa 2011
Slide 17: 2013 Business Focuses
2013 Business Focuses Accelerate organic growth with an emphasis ‘on C&l and SBA loan production Cultivate a motivated culture through a fair reward system & smart investments in human capital Optimize debt and capital structure THE Bank of Choice Differentiate customer experience & increase noninte
Slide 18: Non-GAAP Reconciliation
Non-GAAP Reconciliation NON-GAAP FINANCIAL MEASURES (UNAUDITED) TANGIBLE COMMON EQUITY TO TANGIBLE ASSETS RATIO (dh Thousands, Except Per Share Data) December 31, September 30, December 31, HANMI FINANCIAL CORPORATION 2012 2012 2011 Total Assets S$ 2.982520 $ 2841857 $2,744,804 Less Other Intangible