Exhibit 99.1

2Q23 Investor Presentation August 8 - 9, 2023 Los Angeles New York/ New Jersey Virginia Chicago Dallas Houston San Francisco San Diego

Hanmi Financial Corporation (the “Company”) cautions investors that any statements contained herein that are not historical facts are forward - looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995 , including, but not limited to, those statements regarding operating and financial performance, financial position and liquidity, business strategies, regulatory, economic and competitive outlook, investment and expenditure plans, capital and financing needs and availability, litigation, plans and objectives, merger or sale activity, the effects of COVID - 19 on our business, financial condition and results of operations, and all other forecasts and statements of expectation or assumption underlying any of the foregoing . These statements involve known and unknown risks and uncertainties that are difficult to predict . Investors should not rely on any forward - looking statement and should consider risks, such as changes in governmental policy, legislation and regulations, economic uncertainty and changes in economic conditions, inflation, the continuing impact of the COVID - 19 pandemic on our business and results of operations, fluctuations in interest rate and credit risk, competitive pressures, the ability to succeed in new markets, balance sheet management, liquidity and sources of funding, the size and composition of our deposit portfolio, including the percentage of uninsured deposits in the portfolio, increased assessments by the Federal Deposit Insurance Corporation, and other operational factors . Forward - looking statements are based upon the good faith beliefs and expectations of management as of this date only and are further subject to additional risks and uncertainties, including, but not limited to, the risk factors set forth in our earnings release dated July 25 , 2023 , including the section titled “Forward Looking Statements and the Company’s most recent Form 10 - K, 10 - Q and other filings with the Securities and Exchange Commission (“SEC”) . Investors are urged to review our earnings release dated July 25 , 2023 , including the section titled “Forward Looking Statements and the Company’s SEC filings . The Company disclaims any obligation to update or revise the forward - looking statements herein . 2 Forward - Looking Statements

This presentation contains financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America (“GAAP”) . These non - GAAP measures include tangible common equity to tangible assets, and tangible common equity per share . Management uses these “non - GAAP” measures in its analysis of the Company’s performance . Management believes these non - GAAP financial measures allow for better comparability of period to period operating performance . Additionally, the Company believes this information is utilized by regulators and market analysts to evaluate a company’s financial condition and therefore, such information is useful to investors . These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non - GAAP performance measures that may be presented by other companies . A reconciliation of the non - GAAP measures used in this presentation to the most directly comparable GAAP measures is provided in the Appendix to this presentation . 3 Non - GAAP Financial Information

5 – 9 Overview & highlights 10 – 22 Loan portfolio 23 – 24 Deposit portfolio 25 – 29 Margin, fee income, expenses 30 – 34 Asset quality 35 – 36 Securities & liquidity 37 – 38 Capital management 39 – 42 Environmental Social Governance (ESG) 43 – 47 Appendix 4 Table of Contents

Hanmi Franchise at a Glance Loans $6.0B Deposits $6.3B TCE/TA (2) Ratio 8.96% Second Largest Korean - American Bank in the U.S. • Founded in 1982 in Los Angeles, as the first Korean - American bank • 35 full - service branches and 8 loan production offices across 9 states • Focused on MSAs with high Asian - American and multi - ethnic populations • Strong track record of growth • Well capitalized, significantly above regulatory requirements (1) CAGR based on the average loan growth between 2013, when new executive management was appointed, and 2Q23 (2) Non - GAAP financial measure; refer to the non - GAAP reconciliation slide Loan Growth (1) 11.3% TBVPS (2) $21.56 As of 2Q23 Total Assets $7.3B Experienced Bankers with Deep Community Ties 3 2 1 1 1 1 7 1 1 Branch Loan Production Office (LPO) 1 22 2 5

Previous Experience Hanmi Experience (Years) Banking Experience (Years) Position Name BBCN Bancorp, Shinhan Bank America, Nara Bank 10 37 President & CEO Bonnie Lee Opus Bank, First California Financial Group 8 32 SEVP, Chief Financial Officer Romolo Santarosa BBCN Bancorp 10 29 SEVP, Chief Banking Officer Anthony Kim Pacific Western Bank, FDIC 8 27 EVP, Chief Credit Officer Matthew Fuhr East West Bank 9 35 EVP, Chief Credit Risk Officer Mike Park East West Bank, Nara Bank, Wilshire Bank, First American Bank 9 40 EVP, Chief SBA Lending Officer Anna Chung Columbia Bank, American Marine Bank, First Capital Bank of Texas 5 21 EVP, Chief Technology Officer Navneeth Naidu Pacific Western Bank, Unify Financial Federal Credit Union 4 24 SVP, Chief Risk Officer Michael Du Bank of the West, Arthur Anderson 2 26 SVP, Chief Accounting Officer Joseph Pangrazio 6 Management Team

The Hanmi Timeline 1982 - First Korean American Bank in the U.S. 1988 - Began offering SBA loans - Acquired First Global Bank 2001 - Listed HAFC common stock 2004 - Acquired Pacific Union Bank ($1.2 billion in assets) 2007 - Completed $70 million secondary common stock offering 2013 - C.G. Kum appointed as the new CEO - Bonnie Lee appointed as the new COO 2014 - Acquired Central Bancorp, Inc. ($1.3 billion in assets) 2016 - Acquired Commercial Equipment Leasing Division ($228 million in assets) 2017 - Assets surpassed $5 billion - Opened a Manhattan, NY branch 2019 - Bonnie Lee appointed as the new CEO 2022 - Assets surpassed $7 billion - Celebrated 40 th Anniversary - Nasdaq Closing Bell Ceremony For 40 years, we have been dedicated to helping our stakeholders bank on their dreams . 7 2020 - Launch of USKC (1) - Revitalization of Mortgage Lending (1) U.S. subsidiaries of Korean Corporations 2018 - Opened Chinatown branch in Houston, Texas

Why Hanmi? • Strong average loan growth reflecting an 11% CAGR since 2013 • Significant progress reducing CRE concentration from 85% of the total portfolio, as of December 31, 2013 to 63%, as of June 30, 2023, through portfolio diversification that includes equipment finance, RRE, and multi - family • Allowance for credit losses to loans was 1.19% at June 30, 2023 and nonperforming assets were 0.30% of total assets • Strong average deposit growth reflecting a 10% CAGR since 2013 • Average noninterest - bearing deposit at $2.3 billion, represents 37% of average deposits as of June 30, 2023 year - to - date, and reflects a 13% CAGR since 2013 • Business deposits represent 52% of total deposits as of June 30, 2023 Premier Deposit Franchise Diversified Loan Portfolio and Disciplined Credit Administration 8 Strong Culture and Commitment to ESG (2) Prudent Capital Management • Cash dividend of $0.25 per share, demonstrating management’s confidence in the Company’s performance • Tangible common equity to tangible assets (1) was 8.96% at the end of the second quarter. Common equity tier 1 capital ratio was 11.90% and total capital ratio was 15.11% • Bank remains well - capitalized and Company exceeds minimum capital requirements as of June 30, 2023 • Hanmi Financial Corporation received highest ISS ESG designation in Governance in 2022 (2) • $7.5 million long - term commitment to a Community Reinvestment Act fund (2) • 426 Hanmi Bank Dream Scholarships awarded to support at - risk youth program (2) (1) Non - GAAP financial measure; refer to the non - GAAP reconciliation slide (2) Based on the 2023 Hanmi ESG Report (published on April 2023)

2Q23 Highlights Diluted EPS $0.67 ROAA 1.12% NIM 3.11% Efficiency Ratio 54.11% TBVPS (1) $21.56 Net Income $20.6M • Net income was $20.6 million, or $0.67 per diluted share, down 6.2% from $22.0 million, or $0.72 per diluted share, for the prior quarter » Net interest income was $55.4 million, down 4.2% from the prior quarter » Noninterest income decreased by 4.8% from the prior quarter to $7.9 million » Noninterest expense was $34.3 million, up 4.5% from the prior quarter » Efficiency ratio was 54.11%, compared with 49.54% for the prior quarter • Deposits increased by 1.9% from the prior quarter to $6.32 billion with noninterest - bearing demand deposits representing 34.9% of total deposits » Cost of interest - bearing deposits increased 52 basis points from the prior quarter to 3.25% • Loans receivable remained relatively the same quarter over quarter at $5.97 billion » Loan production was $259.3 million with an average rate of 7.39% • Credit loss expense was negative $0.1 million; allowance for credit losses to loans was 1.19% at June 30, 2023 • Tangible common equity to tangible assets (1) was 8.96%, Common equity tier 1 capital ratio was 11.91% and total capital ratio was 15.12% ROAE 11.14% (1) Non - GAAP financial measure; refer to the non - GAAP reconciliation slide 9

Loan Production 42% 27% 18% 15% 18% 29% 15% 17% 19% 23% 9% 25% 17% 29% 23% 11% $492.3 9% $473.8 11% $303.6 11% 32% $259.3 12% 39% 20% 13% 16% ($ in millions) $642.2 2Q22 3Q22 4Q22 1Q23 CRE C&I Equipment Finance RRE (2) 2Q23 (1) SBA • Average interest rate on new production up 20 basis points sequentially. • Residential mortgage (2) loan production was $100.2 million and commercial real estate loan production was $41.0 million for the second quarter. • Commercial and industrial loan production was $36.3 million and equipment finance production was $50.9 million for the second quarter. • SBA (1) loan production was $30.9 million for the second quarter. Loan production was $259.3 million for 2Q23, reflecting reduced demand because of higher interest rates. Average interest rate on new production (1) $67.9 million, $44.9 million, $53.2 million, $34.5 million, and $30.9 million of SBA loan production includes $47.3 million, $27.1 million, $36.7 million, $22.6 million, and $19.4 million of loans secured by CRE and the remainder representing C&I as of 2Q22, 3Q22, 4Q22, 1Q23, and 2Q23, respectively (2) Residential mortgage includes $0.3 million, $0.0, $0.1 million, $2.0 million, and $0.0 million of consumer loans for 2Q22, 3Q22, 4Q22, 1Q23 and 2Q23, respectively 4.35% 5.55% 6.85% 7.19% 7.39% 10

Average Loan Trend $4,039 $3,423 $2,902 $2,441 $2,157 $4,456 $4,508 $4,685 $4,795 $5,943 $5,597 2013 2014 2015 2016 2020 2021 2022 2023 YTD 2017 2018 2019 Average Loans Receivable Strong average loan growth reflecting an 11% CAGR since 2013. ($ in millions) 11

Successful Portfolio Diversification Strategy 12 Loan Composition (as of June 30, 2023) Loan Composition (as of December 31, 2013) $5.97 Billion $2.23 Billion (1) RRE includes Consumer loans (2) $144.5 million or 7.6% and $111.3 million or 3.0% of the CRE portfolio is unguaranteed SBA loans for December 2013 and June 2023, respectively (3) $7.0 million or 3.1% and $47.2 million or 6.3% of the C&I portfolio is unguaranteed SBA loans for December 2013 and June 2023, respectively CRE – 63% C&I – 13% Equipment Finance – 10% (1) RRE – 5% (1) RRE – 15% Significant progress reducing CRE concentration from 85% of total portfolio to 63%. (2) (3) (2) CRE – 85% (3) C&I – 10%

Loan Portfolio Commercial Real Estate (CRE) (1) Portfolio $3,738 Outstanding ($ in millions) 5.27% 2Q23 Average Yield $5.97 Billion Loan Portfolio (as of June 30, 2023) CRE 13 Owner - 12% CRE Multifamily - 7% C&I - 13% Equipment Finance - 10% (1) CRE Construction - 1% Note: Numbers add up to 101% due to rounding (1) Commercial Real Estate (CRE) is a combination of Investor Owned, Owner Occupied, Multifamily, and Construction. Investor Owned (or non - owner occupied) property is where the investor does not occupy the property. The primary source of repayment stems from the rental income associated with the respective properties. Owner occupied property is where the borrower owns the property and also occupies it. The primary source of repayment is the cash flow from the ongoing operations and activities conducted by the borrower/owner. Multifamily real estate is a residential property that has 5 or more housing units (2) Residential real estate is a loan (mortgage) secured by a single family residence, including one to four units (duplexes, triplexes, and fourplexes). RRE also includes $2.2 million of HELOCs and $4.6 million in consumer loans (3) Weighted average DCR and weighted average LTV when the loan was first underwritten or renewed subsequently CRE (1) Multifamily 156 # of Loans 57.0% Weighted Average Loan - to - Value Ratio (3) 1.61x Weighted Average Debt Coverage Ratio (3) CRE (1) Investor Owned (Non - owner Occupied) 892 # of Loans 50.7% Weighted Average Loan - to - Value Ratio (3) 2.07x Weighted Average Debt Coverage Ratio (3) CRE (1) Owner Occupied 763 # of Loans 47.8% Weighted Average Loan - to - Value Ratio (3) 2.69x Weighted Average Debt Coverage Ratio (3) Residential Real Estate (RRE) (2) Portfolio $887 Outstanding ($ in millions) 4.63% 2Q23 Average Yield Commercial & Industrial (C&I) Portfolio $753 Outstanding ($ in millions) 8.92% 2Q23 Average Yield Equipment Finance Portfolio $586 Outstanding ($ in millions) 5.39% 2Q23 Average Yield (1) (1) (1) CRE Investor Owned - 43% (2) RRE - 15%

Loan Portfolio Diversification Loan portfolio is well diversified across collateral types and industry types; CRE represents 63% of the total portfolio and C&I, excluding Equipment Finance Agreements, represents 13%. CRE Portfolio (1) $3.74B C&I Portfolio (2) $753M Retail – 29% Hospitality – 18% Office – 15% Industrial – 10% Multifamily – 10% Mixed Use – 3% Gas Station – 6% Other – 9% Manufacturing - 28% 14 Finance & Insurance - 10% Healthcare - 9% Retail Trade - 8% Wholesale Trade - 6% Administrative & Support Services - 4% Real Estate Rental & Leasing - 5% Other - 30% (1) $111.3 million, or 3.0%, of the CRE portfolio is unguaranteed SBA loans (2) $47.1 million, or 6.3%, of the C&I portfolio is unguaranteed SBA loans

CRE Portfolio Geographical Exposure CRE Composition by State $3,738 Multifamily by State $385 Construction by State $90 Owner Occupied by State $719 Investor Owned (Non - owner Occupied) by State $2,544 California – $2,565 69% Texas – $370 10% New York – $216 6% Illinois – $84 2% Other – $504 13% California – $211 55% Texas - $64 17% New York – $79 21% Illinois – $14 4% Other – $17 3% California – $60 67% New York – $18 20% Other – $12 13% California - $458 64% Texas – $47 6% New York – $7 1% Illinois – $14 2% Other – $193 27% California - $1,836 72% 15 Texas – $259 10% Illinois – $56 2% New York – $111 4% Other – $282 12% ($ in millions) ($ in millions)

Loan Portfolio Distribution CRE C&I ($ in millions) ($ in millions) (1) Construction Multifamily Investor Owned Owner Occupied $90 $385 $2,544 $719 Total Balance $8.96 $2.47 $2.85 $0.94 Average $3.84 $1.00 $1.12 $0.30 Median $55 $272 $1,810 $538 (3) Top Quintile Balance $23.4 or more $2.4 or more $3.3 or more $1.1 or more Top Quintile Loan Size $27.50 $8.76 $10.23 $3.54 Top Quintile Average $27.50 $4.32 $6.64 $2.00 Top Quintile Median Lines of Credit (2) Term (2) $381 $372 Total Balance $0.68 $0.37 Average $0.06 $0.05 Median $329 $336 (3) Top Quintile Balance $0.8 or more $0.1 or more Top Quintile Loan Size $4.21 $1.7 Top Quintile Average $1.75 $0.23 Top Quintile Median Residential Real Estate & Equipment Finance 16 Equipment Finance Residential Real Estate $586 $887 Total Balance $0.05 $0.52 Average $0.03 $0.45 Median $299 $364 Top Quintile Balance (3) $0.1 or more $0.7 or more Top Quintile Loan Size $0.12 $1.09 Top Quintile Average $0.10 $0.90 Top Quintile Median ($ in millions) (1) Represents the total commitment available at origination. Advances require authorization and disbursement requests, depending on the progress of the project and inspections. Advances are non - revolving and are made throughout the term, up to the original commitment amount (2) Term loans are commitment for a specified term. Majority of the Lines of Credit are revolving, including commercial revolvers, with some non - revolvers (sub - notes and working capital tranches) (3) Top quintile represents top 20% of the loans

<1 Year 1 - 3 Years >3 Years Total Real estate loans $ 1,090.7 $ 739.0 $ 248.4 $ 103.3 Retail 686.2 316.0 244.2 126.0 Hospitality 559.6 301.5 207.0 51.1 Office 1,312.2 786.3 424.4 101.5 Other 3,648.7 2,142.8 1,124.0 381.9 Commercial Property 89.6 - 28.3 61.3 Construction 887.0 882.3 0.1 4.6 RRE / Consumer 4,625.3 3,025.1 1,152.4 447.8 Total Real Estate Loans 753.5 283.6 117.5 352.4 (1) C&I 586.4 377.6 180.7 28.1 Equipment Finance $ 5,965.2 $ 3,686.3 $ 1,450.6 $ 828.3 Loans receivable 17 Loan Portfolio Maturities Note: numbers may not add due to rounding (1) $352.4 million of C&I are lines of credit expected to be renewed and maintain a maturity of less than one year ($ in millions)

USKC (1) Loans & Deposits USKC portfolio represented $731.7 million in loans, or 12%, of the loan portfolio and $687.7 million in deposits, or 11%, of the deposit portfolio. USKC CRE portfolio had a weighted average debt coverage ratio (2) of 1.90x and weighted average loan - to - value (2) of 59.5%. 3% Golf Course 2% Electronics/Home Appliances 2% Computer Equipment 2% Steel 1% Healthcare 4% Other USKC Loans – Top 10 Industries (as of 2Q23) 34% Real Estate Investment 23% Auto Part Manufacturer 19% Hotel 6% Food 4% Education 71% 75% 75% 75% 77% $742 28% $772 26% $781 25% $764 25% $732 23% 4Q22 1Q23 2Q23 CRE C&I USKC Loans by Product ($ in millions) 2Q22 3Q22 Note: Numbers may not add due to rounding 21% 28% Auto Part Manufacurer 11% Steel 10% Electronics/Home Appliances 6% RE Investment/Leasing 6% Research and Development 5% Food 4% All Other Financial Activities 3% Foreign Financial Institution 3% IT 3% Hospitality Other USKC Deposits – Top 10 Industries (as of 2Q23) 61% 58% 60% 49% $418 37% 63% $547 38% $575 38% $565 32% $688 46% 2Q22 3Q22 4Q22 1Q23 2Q23 Demand Noninterest - bearing Money Market & Savings USKC Deposits by Product 18 ($ in millions) (1) U.S. subsidiaries of South Korean Corporations (2) (3) Weighted average DCR and weighted average LTV when the loan was first underwritten or renewed subsequently Time deposits, not illustrated, are 5% at June 30, 2023. Therefore, the percentages do not add to 100% (3)

Office Loan Portfolio The CRE office portfolio (1) was $559.6 million at June 30, 2023, representing 9% of the total loan portfolio. 79% 13% 4% Remaining = 1% 3% Portfolio by State • Median balance within the portfolio was $1.0 million • Weighted average debt coverage ratio (2) of the segment was 2.01x • Weighted average loan to value (2) of the segment was 57.1% • 19.2% of the portfolio is expected to reprice in 1 to 3 months • No delinquent loans • Criticized loans represented 0.37% of the office portfolio Rate Distribution (1) Segment represents exposure in CRE and excludes $18.4 million in construction (2) Weighted average DCR and weighted average LTV when the loan was first underwritten or renewed subsequently 69% 31% Fixed Variable 19

Resort – 6% 20 Airport – 7% (2) Metropolitan – 52% (2) Destination / Suburban – 32% Hospitality Portfolio Hospitality portfolio represented $686.2 million or 12% of the loan portfolio at June 30, 2023. Convention Center – 3% (1) Weighted average DCR and weighted average LTV when the loan was first underwritten or renewed subsequently (2) Metropolitan is categorized as a location that is in a major city and in proximity to downtown areas; destination is categorized as a hotel whose location/amenities make it a distinct tourist location; suburban is defined as areas outside of major city hubs and can include more rural areas • Average balance and median balance of the portfolio (excluding construction) were $3.5 million and $0.9 million, respectively • Weighted average debt coverage ratio (1) of the segment was 2.28x • Weighted average loan to value (1) of the segment was 50.7% • $1.4 million, or 0.20%, of the hospitality portfolio was criticized as of June 30, 2023 • One nonaccrual hospitality loan for $49 thousand in the Texas metropolitan (2) location

Residential Real Estate Portfolio (2) QM - 2% (3) Non - QM - 91% (4) Jumbo Non - QM - 7% Non - QM Jumbo Non - QM QM 21 The RRE (1) portfolio was $887.0 million at June 30, 2023, representing 15% of the total loan portfolio. Our conservative underwriting policy focuses on high - quality mortgage originations with maximum Loan - to - Value (LTV) between 60% and 70%, maximum Debt - to - Income (DTI) of 43% and minimum FICO scores of 680. (1) RRE includes $2.2 million of Home Equity Line of Credit (HELOC) and $4.6 million in consumer loans (2) QM loans conform to the Ability - to - Repay (ATR) rules/requirements of CFPB (3) Non - QM loans do not conform to the Dodd - Frank Act (4) Jumbo Non - QM loan amounts exceed FHFA limits, but generally conform to the ATR/QM rules • 29.8% of the Residential Real Estate portfolio is fixed and 70.2% is variable. Of the variable mortgage portfolio, 86.0% is expected to reset after 12 months and 14.0% within the next 12 months • Total delinquencies are 0.15%, consisting of 0.4% within 30 - 59 days and 0.11% in 60 - 89 days delinquency categories

Equipment Finance Portfolio Equipment finance portfolio represented $586.4 million or 10% of the loan portfolio at June 30, 2023. Transportation - 31% Construction - 14% Waste Management - 12% Manufacturing - 11% Professional Services - 4% Retail Trade – 3% Healthcare - 4% Other - 21% 40% 7% 6% 5% 5% 3% 3% 3% 2% 26% Trucks Machine Tools Earth Moving Trailers Software General Construction Printing Medical/Dental Computers Other Portfolio by Industry Portfolio by Equipment Portfolio by State 14% 22 9% 4% 8% 6% 4% 3% 3% Remaining = 45% 4%

31% 31% 30% 33% 30% 29% 27% 34% 41% 45% 37% 69% 69% 70% 67% 70% 71% 73% 66% 59% 55% 63% $2,391 $2,872 $3,503 $3,608 $4,160 $4,461 $4,691 $5,560 $4,946 $5,950 $6,145 2013 2014 2015 2021 2022 2023 YTD 2016 2017 2018 Noninterest - bearing deposits 2019 2020 Interest - bearing deposits ($ in millions) Strong deposit growth reflecting a 10% CAGR since 2013. Average noninterest - bearing deposits have grown by 13% CAGR since 2013, and now represents 37% of total deposits. 23 Average Deposit Trend

0.31% 0.78% 1.70% 2.73% 3.25% $3,157 $3,321 $3,487 $3,787 $3,966 3Q22 4Q22 1Q23 Average Balance of Interest - bearing Deposits Interest - bearing Deposit Costs 2Q22 2Q23 Deposit Base Noninterest - bearing demand deposits represented 35% of total deposits at June 30, 2023. Estimated uninsured deposit liabilities, excluding preferred deposits and company deposits, were 38% of the total deposit liabilities. Brokered deposits remained low at 1% of the deposit base. 2Q22 3Q22 Note: Numbers may not add due to rounding Deposits ($ in millions) Deposits (as of 2Q23) Average Interest - bearing Deposits ($ in millions) Business $3,291 52% Personal $3,025 48% ($ in millions) 47% 45% 41% 38% 35% 2% 2% 2% 2% 2% 35% 33% 25% 22% 25% 21% 21% $5,979 4% 12% $6,201 5% 15% $6,168 11% 21% $6,201 17% $6,316 17% 4Q22 1Q23 2Q23 Demand Noninterest - bearing Money Market & Savings Time >$250K Demand Interest - bearing Time <= $250K 24

Net Interest Income | Net Interest Margin Net interest income for the second quarter was $55.4 million and net interest margin (taxable equivalent) was 3.11%, both down from the previous quarter because of higher deposit interest expense. $59.0 $63.1 $64.6 $57.9 $55.4 3.55% 3.66% 3.67% 3.28% 3.11% 2Q22 3Q22 4Q22 1Q23 2Q23 Net Interest Income NIM ($ in millions) 3.28% 3.11% 0.09% 0.04% 0.04% 0.01% - 0.35% 1Q23 Loans IB - deposits FHLB Borrowings Sub debt and Other liabilities 2Q23 Int - bearing deposits at banks NIM Increase Decrease 25

Deposits – CD Maturities Net Interest Income Sensitivity 22% of the loan portfolio reprices within 1 - 3 months. $384.7 $475.2 $1,521.7 $410.8 $1,333.1 $257.9 $168.4 $485.3 $497.0 $1,480.8 $417.3 $514.1 $129.4 $643.6 $2,007.0 $907.9 $147.7 $159.4 1 - 3 Months 4 - 12 Months 1 - 2 Years 2 - 3 Years 3 - 5 Years >5 Years Fixed Variable Loans – Months to Reset / Maturity (1) ($ . in millions) Fed Funds Rate & Cost of CDs $74.8 $16.1 $16.5 $161.5 $113.6 $939.6 $749.9 $318.2 $275.1 $1,014.4 $766.0 $334.7 3.07% 4.02% 4.18% 4.10% 3Q23 2Q24 4Q23 Wholesale 1Q24 Retail ($ in millions) 1.75% 3.25% 5.25% 4.50% 5.00% 2.17% 3.31% 3.70% 0.39% 2Q22 0.97% 3Q22 4Q22 1Q23 2Q23 Fed Funds Rate (3) Cost of CDs (2) Cost of CDs (4) (1) Includes loans held for sale; numbers may not add due to rounding (2) Cost of CDs and interest - bearing deposits for the month of June 2023 was 3.81% and 3.37%, respectively (3) Fed funds rate represent the rate at the end of quarter (4) Represent weighted average contractual rates 26

$2.6 39% $1.2 18% $0.8 12% $0.3 4% $1.8 27% Service charges on deposit accounts Trade finance and other service charges and fees Servicing income Bank - owned life insurance income All other operating income Noninterest Income SBA 7(a) Loan Production and Sales ($ in millions) $67.9 $44.9 $53.2 $34.5 $30.9 $41.9 $43.7 $40.9 $29.7 6.67% 5.99% 7.97% 7.85% 7.75% 2Q22 3Q22 4Q22 SBA Loan Sales SBA Production $19.9 1Q23 2Q23 SBA Trade Premium Noninterest income for the second quarter was $7.9 million, down 5% from the previous quarter, primarily on lower SBA gains. Noninterest Income 2Q23 Service Charges and Fees ($ in millions) ($ in millions) $6.5 $6.7 $5.5 $6.5 $6.7 $2.8 $2.3 $1.9 $1.9 $1.9 $1.2 $9.3 $8.9 $7.5 $8.3 $7.9 2Q22 3Q22 4Q22 1Q23 2Q23 Service charges, fees & other Securities transactions Gain on sale of SBA loans Legal settlements Total noninterest income ($1.9) 27

Noninterest Expense • Noninterest expense was $34.3 million in the second quarter, up 4.5% from the prior quarter • Salaries and employee benefit expense that represents approximately 60.0% of the noninterest expense remained relatively the same quarter over quarter despite inflationary pressure • The efficiency ratio for the second quarter was 54.11% compared to 49.54% for the prior quarter Continued focus on disciplined expense management. ($ in millions) Noninterest expense / Average assets $18.8 $19.4 $20.3 $20.6 $20.4 $4.5 $1.4 $3.5 $4.5 $31.5 $3.8 $1.2 $3.1 $4.6 $ 33.8 $ 33.3 $4.6 $4.6 $1.8 $1.2 $3.4 $3.4 $3.7 $4.7 $ 32.8 $3.2 $1.3 $3.3 $4.4 1.83% 1.88% 1.85% 1.81% 1.87% 4Q22 1Q23 2Q23 Occupancy and equipment Professional Fees 2Q22 3Q22 Salaries and employee benefits Data Processing All other expenses Noninterest expense/Average assets $ 34.3 28

Pretax, Pre - Provision Income (PTPP) (1) • Pretax, pre - provision income was $29.1 million for the second quarter, down 12.9% from the prior quarter and down 21.2% from the same quarter last year • PTPP over average assets for 2Q23 was 1.58% compared with 1.84% for the prior quarter $36.9 $38.7 $38.2 $33.4 $29.1 2.14% 2.17% 2.09% 1.84% 1.58% 2Q22 3Q22 4Q22 1Q23 Pretax, pre - provision income 2Q23 PTPP / Average assets 29 ($ in millions) (1) Refer to PTPP schedule in appendix

Asset Quality – Delinquent & Criticized Loans Delinquent loans / Total loans $53.0 $47.7 $46.2 $47.3 $38.8 $80.5 $123.0 $79.0 $64.3 $44.6 $133.5 $170.7 $125.2 $111.6 $83.5 2.36% 2.94% 2.10% 1.87% 1.40% 2Q22 3Q22 4Q22 1Q23 2Q23 Classified Special Mention Delinquent Loans (1) Criticized Loans Criticized loans / Total loans Asset quality remains strong. $4.2 $4.9 $7.5 $15.4 $13.7 0.07% 0.09% 0.13% 0.26% 0.23% 2Q22 3Q22 1Q23 2Q23 4Q22 Delinquent Loans (1) 30 ($ in millions) ($ in millions) (1) Represents loans 30 to 89 days past due and still accruing

$11.0 $11.6 $9.8 2Q22 2Q23 3Q22 4Q22 1Q23 Nonperforming loans OREO Asset Quality – Nonperforming Assets & Nonaccrual Loans Nonperforming Assets Nonaccrual Loans Nonperforming assets and loans remained relatively stable quarter over quarter. ($ in millions) ($ in millions) Note: Numbers may not add due to rounding (1) Specific allowance for credit losses at June 30, 2022, September 30, 2022, December 31, 2022, March 31, 2023, and June 30, 2023 was $2.0 million, $2.2 million, $3.3 million, $6.2 million, and $7.4 million, respectively (2) RRE includes consumer loans $0.5 $6.9 $6.7 $5.7 $5.5 $5.8 2Q23 1Q23 4Q22 3Q22 2Q22 Equipment Finance RRE All other CRE and C&I < $3M All other CRE and C&I >= $3M 31 (2) (1) $22.2 (1) $20.1 Nonperforming assets / 0.30% 0.27% 0.14% 0.17% 0.17% $10.0 $5.3 $10.0 $2.9 (1) $9.8 $3.6 $0.5 (1) $11.6 $5.2 $0.9 (1) $11.0 $3.9 $1.3 Total assets $22.3 $0.1 $22.2 $20.2 $0.1 $20.1 $10.0 $0.1 $12.4 $0.8 $11.7 $0.7

$1.1 $2.3 ($0.2) $0.8 $0.3 ($0.6) $0.1 $0.3 $1.1 $0.3 $0.6 ($0.3) $1.5 $0.4 $1.7 0.01% 0.08% 0.02% 0.10% 0.12% 2Q22 3Q22 4Q22 Equipment Finance Net Charge - offs 1Q23 2Q23 All Other Loan Net Charge - offs Asset Quality – Gross & Net Loan Charge - offs Gross Charge - offs Net Charge - offs Net Charge - offs / Average loans Net charge - offs for the second quarter represented 0.12% of average loans on an annualized basis. ($ in millions) ($ in millions) $0.7 $0.8 $1.6 $2.6 $1.4 $0.4 $0.6 $2.1 $1.2 $2.2 $2.7 $0.1 $0.6 (1) $0.0 $0.6 2Q22 3Q22 4Q22 Equipment Finance Charge - offs 1Q23 2Q23 All Other Loan Charge - offs (1) Gross charge - offs for all other loans in 2Q22 were $21 thousand 32

ACL Trends Allowance for credit losses was $71.0 million as of June 30, 2023, generating an allowance for credit losses to loans of 1.19% compared with 1.21% at the end of the prior quarter. $73.1 $71.6 $71.5 $72.2 $71.0 1.29% 1.23% 1.20% 1.21% 1.19% 2Q22 3Q22 4Q22 1Q23 2Q23 Allowance for credit losses ACL to Loans ($0.1) $1.6 $0.6 $0.1 $2.1 2Q22 3Q22 4Q22 1Q23 2Q23 Credit loss recovery Credit loss expense Allowance for Credit Losses Credit Loss Expense (Recovery) 33 ($ in millions) ($ in millions)

ACL Analysis by Loan Type June 30, 2022 September 30, 2022 December 31, 2022 March 31, 2023 June 30, 2023 ($ in millions) Loans Allowance Loans Allowance Loans Allowance Loans Allowance Loans Allowance $ 3,829.7 $ 45.6 $ 3,853.9 $ 42.7 $ 3,833.4 $ 40.6 $ 3,784.2 $ 39.2 $ 3,738.3 $ 38.4 CRE 766.8 14.3 732.0 14.9 804.5 15.3 778.1 15.3 753.5 16.0 C&I 537.4 12.7 565.4 11.2 594.8 12.2 600.2 13.4 586.4 11.9 Equipment Finance 521.6 0.5 649.6 2.9 734.5 3.4 817.9 4.3 887.0 4.7 RRE & Consumer $ 5,655.4 $ 73.1 $ 5,801.0 $ 71.6 $ 5,967.1 $ 71.5 $ 5,980.5 $ 72.2 $ 5,965.2 $ 71.0 Total Note: Numbers may not add due to rounding 34

US Agy Residential MBS - Maturity 15 Year - 74% 20 Year - 19% Securities Portfolio Securities portfolio (all AFS, no HTM) represented 13% of assets at June 30, 2023, and had a weighted average modified duration of 4.9 years with $119 million in an unrealized loss position. 11% of the portfolio’s principal is expected to be paid down in 2023. Principal Paydowns ($ in millions) $123 $17 $121 $123 $19 $17 $137 $102 $106 $137 $14 $154 2022 Actual 2023 Projection 2024 Projection 2025 Projection Principal Interest Note: Numbers may not add due to rounding Unrealized Loss UST - 1% US Agy - 9% US Agy MBS - Residential - 60% US Agy MBS - Commercial - 10% US Agy CMO - 10 % Municipal - 10% Available for Sale UST - 6% US Agy - 15% US Agy MBS - Residential - 54% US Agy MBS - Commerical - 7% US Agy CMO - 10 % Municipal - 8% $956 Million Securities Duration < 1 Year 10% 1 to 3 Year 15% 3 to 5 Years 48% > 5 Years 27% 4.9 Years $516 Million (2) 30 Year - 7% $119 Million (1) Based on the book value (2) 89% constitutes CRA bonds (3) 2023 Projection includes $37.8 million of actual principal paydown and $9.7 million of actual interest payment for the first six months of the year and $64.6 million of projected principal paydown and $9.1 million of projected interest payment for the balance of the year 35 (1) (3)

4.7% $ 345 Cash & cash equivalents Liquid Assets to Deposits Liquid Assets to Total Assets 10.7% 784 Securities (unpledged) Broker Deposits to Deposits 1) Liquid Assets to Total Liabilities 15.4% ( 1,129 (1) Liquid assets 17.7% 1,294 FHLB available borrowing capacity 0.4% 26 FRB discount window borrowing capacity 1.6% 115 Federal funds lines (unsecured) available 19.6% 1,435 Secondary liquidity sources 35.0% $ 2,564 Bank liquidity (liquid assets + secondary liquidity) Balance % of Assets Liquidity The Bank and the Company have ample liquidity resources at June 30, 2023. (1) Liquid assets includes 1) cash & cash equivalents, 2) securities (unpledged), and 3) $7.3 million of loans held for sale (not shown above) (2) Rate at June 30, 2023, based on 3 - month LIBOR + 140 bps (3) Issued in August 2021 and due in July 2031. Commencing on September 1, 2026, the interest rate will reset quarterly to three - month SOFR + 310 bps Liquidity Position ($ in millions) 15.3% 15.2% 16.0% 16.5% 15.5% 17.7% 17.4% 19.7% 19.0% 18.0% 17.1% 16.8% 17.7% 18.4% 17.3% 1.8% 1.5% 1.3% 1.3% 1.3% 2Q22 3Q22 4Q22 1Q23 2Q23 Liquidity Ratios 36 2036 Trust Preferred Securitites $ Par Amortized Cost 27 $ 21 Rate 6.95% (2) (3) 3.75% 108 110 2031 Subordinated Debt $ 129 $ 137 Company only Subordinated Debentures ($ in millions) Cash & Securities at Company only ($ in millions) Balance Cash $ 13 Securities (AFS) 26 $ 39

(1) Non - GAAP financial measure, refer to the non - GAAP reconciliation slides (2) Rate at the end of the quarter Capital Management Tangible book value per share (TBVPS) (1) increased to $21.56 from $21.30 at the end of the prior quarter. 2Q23 TBVPS (1) and TCE/TA (1) ratio were impacted by $84.6 million of negative AOCI reflecting changes in the value of the securities portfolio resulting from interest rate changes during the quarter. 3.04% 4.09% 4.00% 3.57% 4.16% ($66.6) ($96.1) ($88.7) ($79.1) ($84.6) 2Q22 3Q22 4Q22 1Q23 2Q23 AOCI $19.91 $19.60 $20.54 $21.30 $21.56 8.74% 8.40% 8.50% 8.77% 8.96% 2Q22 3Q22 4Q22 1Q23 2Q23 (1) TBVPS TBVPS (1) & TCE/TA (1) AOCI & 5 - YR TSY (2) 5 - YR TSY TCE / (1) TA ($ in millions) 37

Regulatory Capital The Company exceeds regulatory minimums and the Bank remains well capitalized at June 30, 2023. 8.00% 6.00% 4.50% 2.50% 2.50% 2.50% 15.11% 12.25% 11.90% 13.78% 10.91% 10.56% 10.50% 8.50% 7.00% Minimum Requirement Company Capital Conservation Buffer (1) Pro Forma 10.00% 8.00% 6.50% 14.45% 13.39% 13.39% 13.12% 12.05% 12.05% Well Capitalized Bank Pro Forma 38 CET1 Capital Tier 1 Capital Total Capital Company Bank CET1 Capital Tier 1 Capital Total Capital (1) Pro forma illustrates capital ratios with unrealized loses at June 30, 2023. Non - GAAP financial measure; refer to the non - GAAP reconciliation slide (1)

Top: Foundations of Hanmi (1982). Bottom: New Corporate Headquarter (2021) The Hanmi Story & Commitment to ESG Established in 1982 in Los Angeles, Hanmi Bank was originally founded to serve the underserved immigrant community in Koreatown. From our humble beginnings as the first Korean - American bank, Hanmi Bank has grown to embrace and support the dreams of all Americans. “Our dedication to effectively serve our customers and the communities we operate in helps us deliver attractive returns on your investment.” Bonnie Lee, President and Chief Executive Officer 2022: Hanmi Financial Corporation received highest ISS ESG designation in Governance 39 2022: Hanmi Bank recognized among the Top 10 in two categories by Bank Director #3 in $5B - $50B asset category #6 in 2022 list of Top 25 Banks Source: 2023 Hanmi ESG Report (published April 2023)

The board recognizes that sustainability broadly encompasses corporate activities that enhance the long - term value of the Company. (E nvironmental )SG Donated 40 solar panels to the Koreatown Senior and Community Center in Los Angeles. Source: 2023 Hanmi ESG Report (published April 2023) 40 Sustainability Enterprise Risk Management Committee (ERMC) In 2021, Hanmi Financial Corporation moved its headquarters to the Wilshire Grand Center, a LEED certified space furthering environmentally sustainable practices in Downtown Los Angeles. • The Bank’s Enterprise Risk Management Committee (ERMC) is a forum for management to engage in a collaborative discussion on the evolving risk positions of the bank, emerging risks, control gaps and mitigation strategies • The ERMC reviews ten risk pillars, including credit risk, in which management has begun discussions regarding climate risk to our loan portfolio

As a community bank, we are an equal opportunity employer and we are proud to work with our communities to build a stronger future for all of our stakeholders. E(S ocial )G Source: 2023 Hanmi ESG Report (published April 2023) Fostering Human Capital 68% Female Workforce 91% Ethnically Diverse Workforce 60% Female Managers 43% Current staff have been with us at least 5 years 13% Workforce promotions via Annual Review Hanmi Bank Dream Scholarship Provided Almost $1M in Scholarships Assisting 426 at - risk Students Across 12 States Serving Our Communities $7.5M Long - term commitment to a Community Reinvestment Act fund 289 Small business and community development loans Financial Wellness $380M Originated for small businesses and community development $300K+ Donated to non - profit partners Partnered with HoneyBee to provide financial wellness programs and Choice Checking account to meet the needs of the unbanked and underbanked. 41 (1) (1) Launched in 2016, the Hanmi Bank Dream Scholarship for At - Risk Youth Program provides educational support to at - risk students

Governance and management of environmental and social impact create long - term value for our stakeholders. ES(G overnance ) Source: 2023 Proxy Statement, 2023 Hanmi ESG Report (published April 2023) Oversight Diverse Board Members Our Board Shareholder Engagement • Annual shareholder engagement program to discuss executive compensation and governance practices • Ethics Hotline that allows for confidential reporting of any suspected concerns or improper conduct The NCG Committee believes the Board should encompass a broad range of talent, skill, knowledge, experience, diversity, and expertise. Hanmi is committed to sound corporate governance principles and maintains formal Corporate Governance Guidelines and a Code of Business Conduct and Ethics for employees, executive officers, and directors. 70% Board Members Ethnically Diverse 42 30% Board Members Female 90% Board Members Independent Nominating and Corporate Governance (NCG) Committee NCG Committee identifies individuals qualified to become directors, and has oversight over corporate governance principles applicable to Hanmi. ESG sub - committee, within NCG Committee, has the primary oversight of corporate citizenship and ESG - related matters. The NCG Committee held 4 meetings in 2022. Risk, Compliance and Planning (RCP) Committee The RCP Committee provides oversight of the enterprise risk management framework, and also oversees the strategic planning and the budgetary function. The RCP Committee held 8 meetings in 2022. Audit Committee The Audit Committee is responsible for overseeing and monitoring financial accounting and reporting, the system of internal controls established by management, and our audit process and policies. The Audit Committee held 12 meetings in 2022. Compensation and Human Resources (CHR) Committee The CHR Committee oversees the compensation of Hanmi’s executive officers and administers Hanmi’s compensation plans . The CHR Committee held 9 meetings in 2022 .

Appendix 43

2Q23 Financial Summary Note: numbers may not add due to rounding (1) Percentage change calculated from dollars in thousands; change in basis points for profitability metrics (2) Non - GAAP financial measure, refer to the non - GAAP reconciliation slide $ 0.82 $ 0.72 $ 0.67 EPS - Diluted ($ in millions, except EPS) Change (1) June 30, 2023 March 31, 2023 June 30, 2022 Q/Q Y/Y Income Statement Summary - 6.1% - 4.2% $ 59.0 $ 57.9 $ 55.4 Net interest income - 14.8% - 4.8% 9.3 8.3 7.9 Noninterest income - 7.3% - 4.3% 68.4 66.2 63.4 Operating revenue 8.9% 4.5% 31.5 32.8 34.3 Noninterest expense - 104.8% - 103.6% 1.6 2.1 (0.1) Credit loss (recovery) expense - 17.4% - 6.8% 35.3 31.3 29.2 Pretax income - 16.6% - 8.0% 10.2 9.3 8.5 Income tax expense - 17.7% - 6.2% $ 25.1 $ 22.0 $ 20.6 Net income Selected balance sheet items 5.5% - 0.3% $ 5,655 $ 5,980 $ 5,965 Loans receivable 5.6% 1.9% 5,979 6,201 6,316 Deposits 5.6% - 1.2% 6,956 7,434 7,345 Total assets 8.2% 1.0% $ 618 $ 662 $ 669 Stockholders' equity Profitability Metrics (33) (9) 1.45% 1.21% 1.12% Return on average assets (378) (105) 14.92% 12.19% 11.14% Return on average equity 22 19 8.74% 8.77% 8.96% TCE/TA (2) (44) (17) 3.55% 3.28% 3.11% Net interest margin 806 457 46.05% 49.54% 54.11% Efficiency ratio 44

Pretax, Pre - Provision Income (PTPP) Schedule Note: numbers may not add due to rounding June 30, 2023 March 31, 2023 December 31, 2022 June 30, 2022 $ 57.9 $ 55.4 $ 7.9 8.3 September 30, 2022 64.6 $ 63.1 $ 7.5 8.9 59.0 9.3 34.3 $ 29.1 32.8 $ 33.4 33.8 $ 38.2 33.3 $ 38.7 31.5 $ 36.9 $ 7,374.6 $ 7,367.2 $ 7,252.2 $ 6,919.7 7,095.4 $ ($ in millions) Net interest revenue Noninterest income Noninterest expense PTPP Average assets PTPP/Average assets 1.58% 1.84% 2.09% 2.17% 2.14% 45

Non - GAAP Reconciliation: Tangible Common Equity to Tangible Asset Ratio 46 (1) There were no preferred shares outstanding at the periods indicated June 30, September 30, December 31, March 31, June 30, 2022 2022 2022 2023 2023 Hanmi Financial Corporation $ 6,955,968 $ 7,128,511 $ 7,378,262 $ 7,434,130 $ 7,344,924 Assets (11,310) (11,267) (11,225) (11,193) (11,162) Less goodwill and other intangible assets $ 6,944,658 $ 7,117,244 $ 7,367,037 $ 7,422,937 $ 7,333,762 Tangible assets $ 618,296 $ 608,893 $ 637,515 $ 662,165 $ 668,560 Stockholders' equity (1) (11,310) (11,267) (11,225) (11,193) (11,162) Less goodwill and other intangible assets $ 606,986 $ 597,626 $ 626,290 $ 650,972 $ 657,398 Tangible stockholders' equity (1) 8.89% 8.54% 8.64% 8.91% 9.10% Stockholders' equity to assets 8.74% 8.40% 8.50% 8.77% 8.96% Tangible common equity to tangible assets (1) 30,482,990 30,484,004 30,485,621 30,555,287 30,485,788 Common shares outstanding $ 19.91 $ 19.60 $ 20.54 $ 21.30 $ 21.56 Tangible common equity per common share ($ in thousands, except per share data)

Non - GAAP Reconciliation: Pro Forma Regulatory Capital Total Risk - Based Tier 1 Common Equity Tier 1 Total Risk - Based Tier 1 Common Equity Tier 1 $ 887,666 $ 821,995 $ 821,995 $ 927,843 $ 752,172 $ 730,721 Regulatory capital (84,445) (84,445) (84,445) (84,639) (84,639) (84,639) Unrealized losses on AFS securities $ 803,221 $ 737,550 $ 737,550 $ 843,204 $ 667,533 $ 646,082 Adjusted regulatory capital 14.45% 13.39% 13.39% 15.11% 12.25% 11.90% Regulatory capital ratio as reported - 1.33% - 1.33% - 1.33% - 1.33% - 1.34% - 1.34% Impact of unrealized losses on AFS securities 13.12% 12.05% 12.05% 13.78% 10.91% 10.56% Pro forma regulatory capital ratio Company 47 Bank Risk weighted assets $ 6,141,199 $ 6,141,199 $ 6,141,199 $ 6,141,109 $ 6,141,109 $ 6,141,109 (21,030) (21,030) (21,030) $ 6,120,079 $ 6,120,079 $ 6,120,079 Risk weighted assets impact of unrealized losses on AFS securities (20,498) (20,498) (20,498) Adjusted Risk weighted assets $ 6,120,701 $ 6,116,652 $ 6,116,652 ($ in thousands) Note: numbers may not add due to rounding