| June 2007 |
| Certain statements contained in this presentation, including, without limitation, statements containing the words "believes," "plans," "expects," "anticipates," and words of similar import, constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual results, performance or achievements of the Company to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. Such factors include, among others, the following: general economic and business conditions in those areas in which the Company operates; demographic changes; competition; fluctuations in market interest rates; changes in credit quality; our ability to successfully integrate any acquisition we may make; and other risks detailed in the most recent quarterly and annual reports filed with the Securities Exchange Commission, including the Company's Form 10-K for the year ended December 31, 2006, Form 10-Q for the quarter ended March 31, 2007 and other filings. Given these uncertainties, undue reliance should not be placed on such forward-looking statements. The Company disclaims any obligation to update any such factors or to publicly announce the results of any revisions to any of the forward-looking statements contained herein to reflect future events or developments except as required by laws. Safe Harbor Statement |
| Korean-American market nine-year (1997- 2006) history - Loans: 26% CAGR - Deposits: 23% CAGR 40% of 2.2 million Korean-American population reside in California. Highest rates of business ownership with one per every eight Korean-American High savings rate Korean-American Market (Source: US Korean Embassy and 2001 SBA Report) |
| Increased wealth in Korean-American community Korea is the 12th largest economy with a $6 billion current account surplus in 2006. Continuing immigration trend from Korea Wealthier and better educated recent immigrants Korea recently relaxed restrictions on overseas investment. Target Market Growth Drivers |
| Expertise in serving ethnic immigrant markets Expertise in real estate lending Expertise in small business lending Hanmi's Core Competencies |
| Commanding market share among Korean- American banks in California Loan & Deposit Market Shares HAFC 2984 NARA 1278 CLFC 1442 WIBC 1736 Others 1746 Deposits Net Loans Note: As of March 31, 2007, based on SEC & FDIC filings of each company. Excludes 27% of NARA's balances, which are not from California-based operations per 2006 FDIC deposit market share data. HAFC 2886 NARA 1263 CLFC 1557 WIBC 1598 Others 1611 |
| Experienced management team Extensive branch network Emphasis on sales & service Incentive compensation plan Contiguous market penetration Upgrade existing products Introduce new products Future Growth Organic and External |
| Financial Performance Consistent Balance Sheet Growth 2000 2001 2002 2003 2004 2005 2006 1Q 07 Loans 620 820 1000 1270 2235 2469 2837 2886 Deposits 940 1040 1290 1450 2529 2826 2945 2984 Assets 1030 1160 1460 1790 3104 3414 3725 3778 ($ in millions) |
| Financial Performance Consistent Balance Sheet Growth 2000 2001 2002 2003 2004 2005 2006 1Q 07 Loans 620 820 1000 1270 2235 2469 2837.4 2885.7 ($ in millions) 2000 2001 2002 2003 2004 2005 2006 1Q 07 Deposits 940 1040 1290 1450 2529 2826 2944.7 2984 Net Loans Deposits ($ in millions) |
| Loan Portfolio Construction Loans 216.1 Consumer Loans 169.7 CRE-Investment Propertirs 759.2 CRE - Owner/User 965.6 C & I Loans 792.4 As of March 31, 2007 |
| Robust SBA loan production - 9th largest SBA lender in California in 2005 - 7 loan production offices Specialized in low-income housing lending - $31 million low-income housing loans closed in the 1st quarter of 2007 Trade finance - The average loan portfolio balance in the first quarter of 2007 was $127 million. Specialty Lending Activities |
| Korean vs. Non-Korean Business 2000 2001 2002 2003 2004 2005 2006 1Q 07* Non-Korean New Loans 0.25 0.36 0.37 0.45 0.43 0.41 0.46 0.49 Korean New Loans 0.75 0.64 0.63 0.55 0.57 0.59 0.54 0.51 Hanmi has extended services to neighboring ethnic communities. 49% |
| Sound Asset Quality 2000 2001 2002 2003 2004 2005 2006 1Q 07 Hanmi 0.004 0.0063 0.0065 0.0068 0.0027 0.0041 0.005 0.0067 2000 2001 2002 2003 2004 2005 2006 1Q 07 Hanmi 0.0178 0.0119 0.0114 0.0106 0.01 0.01 0.0096 0.0108 Loan Loss Allowance / Gross Loans 1.08% 0.67% Non Performing Loans / Gross Loans |
| Deposits Composition Non-Interest Bearing 738 TDs of $100,000 or More 1418 TDs of Less than $100,000 301 Interest Bearing Demand and Savings 526 As of March 31, 2007 |
| Non-interest Income Growth 2000 2001 2002 2003 2004 2005 2006 1Q 07 Service charges on deposits 8.9 9.2 9.2 10.3 14.4 15.8 17.1 4.5 Trade finance fees 1.9 1.9 2.4 2.9 4 4.3 4.6 1.3 Insurance commissions 0 0 0.1 0.1 0.3 0.7 0.8 1.1 Remittance fees 0.5 0.6 0.8 1 1.7 2.1 2.1 0.5 Other service charges 0.8 0.8 1.1 1.2 1.5 2.5 2.4 0.6 Other income 0.4 0.4 1.1 1.2 1.7 1.9 2.1 0.5 Non-core income 2.3 4.1 6.5 3.3 3.4 4.2 7.9 1.5 ($ in millions) |
| Net Income and Diluted EPS 2001 2002 2003 2004 2005 2006 Net Income 16.8 17 19.2 36.7 58.2 65.6 Net Income 2001 2002 2003 2004 2005 2006 Diluted EPS 0.6 0.6 0.67 0.84 1.17 1.33 Diluted EPS ($ in millions) |
| 1Q 06 2Q 06 3Q 06 4Q 06 1Q 07 Net Income 14.8 15.9 17.6 17.3 13 Net Income 1Q 06 2Q 06 3Q 06 4Q 06 1Q 07 Diluted EPS 0.3 0.32 0.36 0.35 0.26 Diluted EPS Net Income and Diluted EPS ($ in millions) |
| Return on Average Equity / Assets 2000 2001 2002 2003 2004 2005 2006 1Q 07 ROE 0.1981 0.1756 0.1508 0.1451 0.1251 0.1394 0.1433 0.1068 ROA 0.0178 0.0153 0.013 0.0118 0.0137 0.0179 0.0182 0.0142 ROTE 0.2045 0.1798 0.1535 0.1475 0.2573 0.2933 0.2709 0.1912 ROE ROA |
| Profitability Ratio Trends 2003 2004 2005 2006 1Q 07 Yield 5.03% 5.68% 7.00% 8.09% 8.23% Cost of Funds 1.97% 1.93% 3.04% 4.50% 4.87% Spread 3.06% 3.75% 3.96% 3.59% 3.36% NIM 3.68% 4.31% 4.83% 4.78% 4.61% |
| Efficiency Ratio 02 4Q 03 1Q 03 2Q 03 3Q 03 4Q 04 1Q 04 2Q 04 3Q 04 4Q 05 1Q 05 2Q 05 3Q 05 4Q 06 1Q 06 2Q 06 3Q 06 4Q 07 1Q Efficiency Ratio 0.5565 0.5374 0.528 0.5123 0.5131 0.4777 0.5181 0.5029 0.4951 0.4438 0.403 0.3834 0.4193 0.391 0.4159 0.4014 0.3959 0.4364 Acquisition 0 0 0 0 0 0 0.0557 0.0087 |
| Stock Performance 1/1/2007 2/1/2007 3/1/2007 4/1/2007 5/1/2007 6/1/2007 7/1/2007 8/1/2007 9/1/2007 10/1/2007 11/1/2007 12/1/2007 1/2/2007 2/2/2007 3/2/2007 4/2/2007 5/2/2007 6/2/2007 7/2/2007 8/2/2007 9/2/2007 10/2/2007 11/2/2007 12/2/2007 1/3/2007 2/3/2007 3/3/2007 4/3/2007 5/3/2007 6/3/2007 7/3/2007 8/3/2007 9/3/2007 10/3/2007 11/3/2007 12/3/2007 1/4/2007 2/4/2007 3/4/2007 4/4/2007 5/4/2007 6/4/2007 7/4/2007 8/4/2007 9/4/2007 10/4/2007 11/4/2007 12/4/2007 1/5/2007 2/5/2007 3/5/2007 4/5/2007 5/5/2007 6/5/2007 7/5/2007 8/5/2007 9/5/2007 10/5/2007 11/5/2007 12/5/2007 1/6/2007 2/6/2007 3/6/2007 4/6/2007 5/6/2007 6/6/2007 7/6/2007 8/6/2007 9/6/2007 10/6/2007 11/6/2007 12/6/2007 1/7/2007 2/7/2007 3/7/2007 4/7/2007 5/7/2007 HAFC 100 100 101.65 97.11 100.83 114.67 136.16 141.12 120.25 119.21 128.1 128.1 139.67 146.28 163.84 164.26 173.35 165.08 143.8 145.04 144.42 145.66 167.36 160.54 164.46 161.16 165.7 162.81 169.63 171.9 179.75 205.79 197.73 210.95 205.58 198.76 209.09 297.73 270.25 251.03 266.94 301.03 295.87 327.48 310.33 312.19 382.02 371.28 366.94 365.5 341.94 302.69 332.02 345.04 392.56 379.13 370.87 377.69 384.92 369.01 392.36 370.87 373.14 402.48 396.07 401.65 393.39 403.31 404.96 441.53 451.03 465.5 423.14 403.51 393.8 339.05 347.31 NASDAQ 100 77.61 66.37 76.32 76.12 77.92 73.11 65.11 54.06 60.96 69.63 70.34 69.75 62.45 66.55 60.89 58.27 52.77 47.9 47.42 42.27 47.96 53.33 48.17 47.64 48.24 48.37 52.81 57.56 58.53 62.57 65.29 64.45 69.69 70.7 72.25 74.52 73.21 71.92 69.25 71.65 73.85 68.07 66.29 68.41 71.23 75.62 78.46 74.38 74 72.1 69.31 74.59 74.19 78.8 77.62 77.6 76.47 80.53 79.54 83.16 82.28 84.39 83.76 78.58 78.34 75.53 78.76 81.45 85.36 87.7 87.11 88.86 87.14 87.34 91.07 92.27 S & P Financials 100 93.29 90.39 93.62 97.21 97.09 95.39 89.43 84.03 82.34 88.07 89.85 88.26 86.85 92.52 89.92 89.62 85.22 78.32 79.78 70.31 76.5 79.51 75.09 73.68 71.26 70.84 79.37 83.4 83.46 87.06 86.04 86.45 92.17 91.76 96.06 98.9 101.38 100.18 95.31 96.93 97.22 94.97 98.02 96.99 97.21 99.91 103.97 101.56 100.79 96.73 96.57 99.06 100.26 101.57 99.53 100.33 103.32 107.73 107.85 108.63 110.56 110.64 115.13 109.94 109.8 112.33 113.22 117.82 120.49 120.76 125.27 126.15 122.01 120.96 125.78 128.36 January 1, 2001 through May 18, 2007 Investing $100 (price reflects stock split impact) |
| Dominant franchise in the attractive, high growth California-based Korean-American marketplace Proven expertise serving growing immigrant markets Experienced management team High quality loan portfolio coupled with attractive core deposit franchise Compelling Investment Opportunity |