Hanmi Financial Corporation (HAFC): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause der Hanmi Financial Corporation (HAFC), einem dynamischen regionalen Bankkonzern, der traditionelle Finanzdienstleistungen durch innovative Ansätze transformiert. Durch die sorgfältige Ausarbeitung eines Geschäftsmodells, das personalisiertes Community-Banking mit modernster digitaler Infrastruktur in Einklang bringt, hat sich HAFC als markanter Akteur in der wettbewerbsintensiven Finanzlandschaft Kaliforniens positioniert. Dieses umfassende Business Model Canvas zeigt, wie die Bank strategische Partnerschaften, gezielte Kundensegmente und einzigartige Wertversprechen nutzt, um ein robustes und anpassungsfähiges Finanzökosystem zu schaffen, das kleine und mittlere Unternehmen mit beispielloser Agilität und Präzision bedient.

Hanmi Financial Corporation (HAFC) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Partnerschaften mit Regionalbanken in Kalifornien

Seit dem vierten Quartal 2023 unterhält die Hanmi Financial Corporation strategische Partnerschaften mit Regionalbanken in ganz Kalifornien und konzentriert sich dabei auf kollaborative Kreditvergabe und Finanzdienstleistungsnetzwerke.

Partnerbank	Partnerschaftsfokus	Geografische Abdeckung
Pazifische Westbank	Zusammenarbeit bei der gewerblichen Kreditvergabe	Südkalifornien
Ost-Westjordanland	Marktübergreifende Unternehmensdienstleistungen	Bay Area und Los Angeles

Zusammenarbeit mit Small Business Administration (SBA)

Hanmi Financial unterhält eine aktive SBA-Kreditpartnerschaft mit den folgenden Kennzahlen:

• Gesamtes SBA-Darlehensvolumen im Jahr 2023: 187,4 Millionen US-Dollar
• Anzahl der verarbeiteten SBA-Darlehen: 342
• Durchschnittliche SBA-Darlehenshöhe: 547.664 $

Technologieanbieter für digitale Banking-Infrastruktur

Technologieanbieter	Service bereitgestellt	Jährlicher Vertragswert
Fiserv, Inc.	Kernbankenplattform	3,2 Millionen US-Dollar
Jack Henry & Mitarbeiter	Digitale Banking-Lösungen	1,8 Millionen US-Dollar

Lokale Wirtschaftsverbände und Handelskammern

Hanmi Financial engagiert sich aktiv mit 17 örtliche Handelskammern in ganz Kalifornien und unterstützt Initiativen zur Vernetzung kleiner Unternehmen und zur wirtschaftlichen Entwicklung.

Korrespondenzbankbeziehungen

Nationales Finanzinstitut	Beziehungstyp	Transaktionsvolumen (2023)
Wells Fargo Bank	Korrespondenzbanking	426 Millionen US-Dollar
Bank of America	Interbankkredite	312 Millionen Dollar

Hanmi Financial Corporation (HAFC) – Geschäftsmodell: Hauptaktivitäten

Kredite für gewerbliche und kleine Unternehmen

Im vierten Quartal 2023 meldete die Hanmi Financial Corporation Gesamtkredite in Höhe von 5,96 Milliarden US-Dollar, wobei gewerbliche Immobilienkredite 3,42 Milliarden US-Dollar und Gewerbe- und Industriekredite 1,34 Milliarden US-Dollar ausmachten.

Kreditkategorie	Gesamtbetrag (Milliarden US-Dollar)	Prozentsatz des Kreditportfolios
Gewerbliche Immobilienkredite	3.42	57.4%
Gewerbe- und Industriekredite	1.34	22.5%
Verbraucherkredite	0.85	14.3%

Einlagen- und Bankdienstleistungen

Die Hanmi Financial Corporation verfügte zum 31. Dezember 2023 über Gesamteinlagen in Höhe von 6,83 Milliarden US-Dollar.

• Unverzinsliche Einlagen: 1,97 Milliarden US-Dollar
• Verzinsliche Girokonten: 2,45 Milliarden US-Dollar
• Spar- und Geldmarkteinlagen: 1,86 Milliarden US-Dollar
• Festgelder: 0,55 Milliarden US-Dollar

Risikomanagement und Kreditbewertung

Die Bank unterhielt eine Quote der notleidenden Kredite von 0,35 % Stand: Q4 2023, mit einer Gesamtrücklage für Kreditverluste von 93,2 Millionen US-Dollar.

Risikometrik	Wert
Nettoausbuchungsverhältnis	0.12%
Kreditverlust-Reservequote	1.56%
Kernkapitalquote	13.7%

Entwicklung einer digitalen Banking-Plattform

Hanmi Financial investierte im Jahr 2023 12,3 Millionen US-Dollar in die Technologieinfrastruktur und digitale Banking-Fähigkeiten.

• Nutzer der Mobile-Banking-App: 65.000
• Online-Banking-Transaktionen pro Monat: 285.000
• Eröffnungsrate digitaler Konten: 37 %

Community Banking und Beziehungsmanagement

Hanmi Financial betreibt 40 Filialen in ganz Kalifornien und konzentriert sich dabei auf die Betreuung asiatisch-amerikanischer und kleiner Unternehmen.

Standort der Filiale	Anzahl der Filialen
Metropolregion Los Angeles	25
San Francisco Bay Area	10
Andere kalifornische Regionen	5

Hanmi Financial Corporation (HAFC) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk in Kalifornien

Ab dem 4. Quartal 2023 ist die Hanmi Financial Corporation tätig 64 Bankfilialen überwiegend in Kalifornien ansässig. Die geografische Konzentration der Bank umfasst:

Region	Anzahl der Filialen	Prozentsatz des Netzwerks
Metropolregion Los Angeles	38	59.4%
San Francisco Bay Area	16	25%
Andere kalifornische Regionen	10	15.6%

Erfahrenes Management-Team

Zusammensetzung des Managementteams ab 2024:

• Durchschnittliche Amtszeit der Führungskräfte: 12,5 Jahre
• Führungspersönlichkeit mit umfassender Bankerfahrung im Geschäfts- und Privatkundengeschäft
• Führungskräfte der C-Suite mit durchschnittlich mehr als 20 Jahren Branchenerfahrung

Fortschrittliche digitale Banking-Technologie

Investitionen in die Technologieinfrastruktur im Jahr 2023: 8,2 Millionen US-Dollar

Kategorie „Technologie“.	Investitionsbetrag
Digitale Banking-Plattformen	3,6 Millionen US-Dollar
Cybersicherheitssysteme	2,5 Millionen Dollar
Mobile-Banking-Anwendungen	2,1 Millionen US-Dollar

Robustes Finanzkapital und Reserven

Finanzkennzahlen ab Q4 2023:

• Gesamtvermögen: 8,9 Milliarden US-Dollar
• Kernkapitalquote: 13.6%
• Gesamtrisikokapitalquote: 15.2%
• Liquiditätsdeckungsquote: 125%

Qualifizierte Arbeitskräfte

Mitarbeiterkategorie	Gesamtzahl der Mitarbeiter	Durchschnittliche Erfahrung
Spezialisten für gewerbliche Kredite	127	9,3 Jahre
Profis im Privatkundengeschäft	246	7,5 Jahre
Technologie und Betrieb	89	6,8 Jahre

Hanmi Financial Corporation (HAFC) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für kleine und mittlere Unternehmen

Im vierten Quartal 2023 meldete die Hanmi Financial Corporation ein Gesamtkreditportfolio für Kleinunternehmen in Höhe von 1,37 Milliarden US-Dollar, wobei 68 % der Kredite unter 500.000 US-Dollar auf kleine und mittlere Unternehmen (KMU) ausgerichtet waren.

Kreditkategorie	Gesamtwert des Portfolios	Prozentsatz der KMU-Kredite
Kredite für kleine Unternehmen	1,37 Milliarden US-Dollar	68%
Gewerbeimmobilien	892 Millionen US-Dollar	22%

Wettbewerbsfähige Kreditprodukte mit flexiblen Laufzeiten

Hanmi bietet wettbewerbsfähige Zinssätze zwischen 5,75 % und 8,25 % für Geschäftskredite mit durchschnittlichen Kreditlaufzeiten zwischen 36 und 84 Monaten.

• SBA 7(a)-Darlehenszinsen: 5,75 % – 6,50 %
• Gewerblich befristete Kredite: 6,25 % – 8,25 %
• Durchschnittliche Kreditbearbeitungszeit: 15–22 Werktage

Lokale Entscheidungsfindung und schnelle Kreditbearbeitung

Hanmi unterhält 40 Niederlassungen hauptsächlich in Kalifornien, wobei 92 % der Kreditentscheidungen auf lokalen Märkten getroffen werden.

Metrisch	Wert
Gesamtzahl der Filialstandorte	40
Lokale Kreditentscheidungen	92%
Durchschnittliche Kreditgenehmigungszeit	17 Werktage

Umfassende Erfahrung im digitalen Banking

Die digitale Banking-Plattform unterstützt 78.000 aktive Online-Nutzer, wobei das Transaktionsvolumen im Mobile Banking im Jahr 2023 um 22 % steigt.

• Mobile-Banking-Nutzer: 78.000
• Wachstum digitaler Transaktionen: 22 %
• Akzeptanz der Online-Rechnungszahlung: 65 %

Starke, gemeinschaftsorientierte Finanzdienstleistungen

Hanmi Financial bedient überwiegend asiatisch-amerikanische Märkte, wobei 65 % des Kundenstamms in den Metropolregionen Kaliforniens ansässig sind.

Marktsegment	Prozentsatz
Asiatisch-amerikanischer Kundenstamm	72%
Kalifornische Metropolmärkte	65%
Bewertung des Community Reinvestment Act	Zufriedenstellend

Hanmi Financial Corporation (HAFC) – Geschäftsmodell: Kundenbeziehungen

Personalisierter Relationship-Banking-Ansatz

Hanmi Financial Corporation unterhält 60 Full-Service-Filialen in ganz Kalifornien und bedient hauptsächlich koreanisch-amerikanische und multikulturelle Geschäftsgemeinschaften. Im vierten Quartal 2023 meldete die Bank insgesamt 220.675 Kundenkonten mit Schwerpunkt auf personalisierten Bankinteraktionen.

Kundensegment	Anzahl der Konten	Durchschnittlicher Kontowert
Kleinunternehmenskunden	38,542	$287,650
Persönliche Bankkunden	182,133	$76,450

Dedizierte Kundenbetreuer für Geschäftskunden

Hanmi Financial bietet ab 2023 spezialisierte Relationship-Management-Dienstleistungen mit 87 engagierten Business-Banking-Relationship-Managern an.

• Durchschnittliches Kundenportfolio pro Kundenbetreuer: 442 Geschäftskonten
• Mediane Geschäftskundenbeziehungsdauer: 4,7 Jahre
• Jährliche Bindungsrate von Geschäftskunden: 88,3 %

Online- und Mobile-Banking-Unterstützung

Digitale Banking-Plattformen bedienen 72 % des Kundenstamms von Hanmi Financial. Im Jahr 2023 meldete die Bank 145.286 aktive Digital-Banking-Nutzer.

Digitale Plattform	Gesamtzahl der Benutzer	Monatlich aktive Benutzer
Mobile-Banking-App	128,642	94,375
Online-Webbanking	145,286	112,456

Regelmäßige Finanzberatungsdienste

Hanmi Financial bietet kostenlose Finanzberatungen an. Im Jahr 2023 wurden 12.845 Beratungen durchgeführt.

• Durchschnittliche Beratungsdauer: 47 Minuten
• Angebotene Beratungsarten:
  • Finanzplanung für Unternehmen
  • Persönliche Vermögensverwaltung
  • Anlagestrategie
  • Kreditberatung

Community-Engagement und lokale Networking-Events

Im Jahr 2023 veranstaltete Hanmi Financial 76 Community-Networking-Events in ganz Kalifornien, an denen rund 5.620 Geschäfts- und Privatkunden teilnahmen.

Ereignistyp	Anzahl der Ereignisse	Gesamtzahl der Teilnehmer
Business-Networking	42	3,275
Finanzielle Bildung	34	2,345

Hanmi Financial Corporation (HAFC) – Geschäftsmodell: Kanäle

Physisches Filialnetz in Kalifornien

Ab 2024 ist die Hanmi Financial Corporation tätig 33 Full-Service-Filialen, hauptsächlich in Kalifornien konzentriert. Das Filialnetz ist strategisch in wichtigen Ballungsräumen gelegen, darunter:

Region	Anzahl der Filialen
Metropolregion Los Angeles	22
San Francisco Bay Area	7
Raum San Diego	4

Online-Banking-Plattform

Die digitale Banking-Plattform bietet umfassende Dienstleistungen mit folgenden Funktionen:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungsdienste
• Transaktionsverlauf
• Digitale Kontoauszüge

Mobile-Banking-Anwendung

Mobile-Banking-Statistiken für Hanmi Financial Corporation:

Metrik für mobile Apps	Daten für 2024
Gesamtzahl der Downloads mobiler Apps	87,500
Monatlich aktive Benutzer	62,300
Mobiles Transaktionsvolumen	215 Millionen US-Dollar pro Quartal

Kundendienst-Callcenter

Betriebsdetails des Callcenters:

• Gesamtzahl der Kundendienstmitarbeiter: 124
• Durchschnittliche Anrufbearbeitungszeit: 7,2 Minuten
• Kundendienstzeiten: 7:00 – 20:00 Uhr PST
• Unterstützte Sprachen: Englisch, Koreanisch

Digitale Kommunikationskanäle

Kennzahlen der digitalen Kommunikationsplattform:

Kanal	Engagement-Kennzahlen
Website-Traffic	425.000 monatliche Besucher
E-Mail-Kommunikation	92.500 aktive E-Mail-Abonnenten
Social-Media-Follower	LinkedIn: 18.700 Facebook: 12.400

Hanmi Financial Corporation (HAFC) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Hanmi Financial rund 3.750 kleine und mittlere Geschäftskunden in Kalifornien. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 1,2 Milliarden US-Dollar.

Aufschlüsselung der Geschäftssegmente	Anzahl der Kunden	Gesamtkreditvolumen
Einzelhandelsunternehmen	1,250	425 Millionen Dollar
Dienstleistungsbranchen	1,100	375 Millionen Dollar
Herstellung	850	285 Millionen Dollar
Technologieunternehmen	550	115 Millionen Dollar

Lokale Handelsunternehmen

Kundenstamm lokaler Handelsunternehmen: 2.100 Unternehmen in ganz Südkalifornien. Durchschnittliche Kredithöhe: 750.000 $.

• Geografische Konzentration: Los Angeles County (65 %)
• Orange County (25 %)
• San Diego County (10 %)

Professionelle Dienstleister

Das Segment der professionellen Dienstleister umfasst insgesamt 1.450 Kunden mit einem Gesamtkreditvolumen von 275 Millionen US-Dollar.

Professionelle Kategorie	Kundenanzahl	Kreditvolumen
Anwaltskanzleien	425	85 Millionen Dollar
Arztpraxen	550	110 Millionen Dollar
Wirtschaftsprüfungsgesellschaften	275	50 Millionen Dollar
Beratungsgruppen	200	30 Millionen Dollar

Private Bankkunden in Kalifornien

Gesamtzahl der Privatbankkunden: 87.500. Einlagenbasis: 2,3 Milliarden US-Dollar.

• Persönliche Girokonten: 52.300
• Sparkonten: 35.200
• Durchschnittlicher Kontostand des Kunden: 26.500 $

Unternehmer und Startup-Unternehmen

Startup- und Unternehmersegment: 650 aktive Kunden. Gesamtkreditvolumen für Startups: 95 Millionen US-Dollar.

Startup-Branche	Kundenanzahl	Kreditvolumen
Technologie	275	45 Millionen Dollar
Biotechnologie	125	25 Millionen Dollar
E-Commerce	150	15 Millionen Dollar
Andere Sektoren	100	10 Millionen Dollar

Hanmi Financial Corporation (HAFC) – Geschäftsmodell: Kostenstruktur

Gehälter und Leistungen der Mitarbeiter

Im vierten Quartal 2023 meldete die Hanmi Financial Corporation für das Jahr Gesamtaufwendungen für Mitarbeitervergütungen in Höhe von 98,4 Millionen US-Dollar. Die Aufschlüsselung der Entschädigung umfasst:

Vergütungskategorie	Betrag ($)
Grundgehälter	68,200,000
Leistungsprämien	12,600,000
Gesundheitsleistungen	9,800,000
Altersvorsorgebeiträge	7,800,000

Wartung der Technologieinfrastruktur

Die Kosten für die Technologieinfrastruktur für Hanmi Financial beliefen sich im Jahr 2023 auf insgesamt 22,5 Millionen US-Dollar, darunter:

• Wartung der IT-Systeme: 8.700.000 US-Dollar
• Investitionen in Cybersicherheit: 5.600.000 US-Dollar
• Softwarelizenzierung: 4.200.000 US-Dollar
• Hardware-Upgrades: 4.000.000 $

Betriebskosten der Filiale

Die filialbezogenen Betriebskosten für 2023 beliefen sich auf 35,6 Millionen US-Dollar:

Ausgabenkategorie	Betrag ($)
Miete und Ausstattung	15,300,000
Dienstprogramme	5,800,000
Branchenausrüstung	7,200,000
Unterstützung des Filialpersonals	7,300,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 16,2 Millionen US-Dollar und verteilten sich wie folgt:

• Rechts- und Compliance-Mitarbeiter: 6.500.000 US-Dollar
• Prüfung und Berichterstattung: 4.300.000 US-Dollar
• Regulatorische Schulung: 2.700.000 US-Dollar
• Compliance-Technologie: 2.700.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf insgesamt 12,3 Millionen US-Dollar:

Marketingkanal	Betrag ($)
Digitales Marketing	4,900,000
Traditionelle Werbung	3,700,000
Gemeinschaftspatenschaften	2,100,000
Kampagnen zur Kundengewinnung	1,600,000

Hanmi Financial Corporation (HAFC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Gewerbekrediten

Im vierten Quartal 2023 meldete die Hanmi Financial Corporation einen Nettozinsertrag von 127,4 Millionen US-Dollar. Das gesamte Kreditportfolio hatte einen Wert von 4,76 Milliarden US-Dollar, wobei gewerbliche Kredite einen erheblichen Teil dieses Betrags ausmachten.

Kreditkategorie	Gesamtbetrag	Prozentsatz des Portfolios
Gewerbliche Immobilienkredite	2,93 Milliarden US-Dollar	61.6%
Kommerziell & Industriekredite	1,24 Milliarden US-Dollar	26.1%

Gebührenpflichtige Bankdienstleistungen

Im Jahr 2023 erwirtschaftete Hanmi Financial zinslose Einnahmen in Höhe von 35,2 Millionen US-Dollar aus gebührenpflichtigen Dienstleistungen.

• Gebühren für die Kontoführung: 12,6 Millionen US-Dollar
• Transaktionsgebühren für Geldautomaten und Debitkarten: 8,7 Millionen US-Dollar
• Überziehungsgebühren: 4,9 Millionen US-Dollar

SBA-Darlehensvergabegebühren

Die Hanmi Bank entstand 287,4 Millionen US-Dollar in SBA-Darlehen im Jahr 2023, was ungefähr 14,3 Millionen US-Dollar in SBA-Darlehensvergabegebühren.

Einlagenkontodienste

Gesamteinlagenbasis zum 31. Dezember 2023: 5,91 Milliarden US-Dollar

Einzahlungsart	Gesamtbetrag	Zinssatz
Unverzinsliche Einlagen	1,47 Milliarden US-Dollar	0%
Verzinsliche Prüfung	2,39 Milliarden US-Dollar	1.85%
Sparkonten	1,25 Milliarden US-Dollar	2.15%

Investment- und Vermögensverwaltungsdienstleistungen

Verwaltetes Vermögen (AUM) für Vermögensverwaltungsdienstleistungen: 612 Millionen US-Dollar

• Anlageberatungsgebühren: 7,6 Millionen US-Dollar
• Verwaltung des Rentenkontos: 4,2 Millionen US-Dollar
• Treuhand- und Nachlassplanungsdienste: 3,1 Millionen US-Dollar

Hanmi Financial Corporation (HAFC) - Canvas Business Model: Value Propositions

Specialized real estate, commercial, and SBA lending expertise.

Hanmi Financial Corporation (HAFC) focuses its lending activity heavily on commercial real estate, which represented 61.4% of its total loan portfolio as of the third quarter of 2025. Commercial and industrial (C&I) loans made up 16.1% of the portfolio at that time. Hanmi Financial Corporation has a stated goal to expand C&I lending and SBA activities while managing CRE exposure. For the second half of 2025, the quarterly SBA loan production target was increased to a range of $45 million to $50 million. Total loan production for the third quarter of 2025 reached $570.8 million, with C&I production specifically at $211 million for that quarter.

Here's a look at the loan portfolio mix as of September 30, 2025:

Loan Category	Percentage of Total Loans (Q3 2025)
Commercial Real Estate Loans	61.4%
Commercial and Industrial Loans	16.1%
Residential/Consumer Loans	16.0%

Deep cultural and linguistic competency for multi-ethnic communities.

Hanmi Bank was originally founded to serve the Korean American community in Los Angeles. Today, Hanmi Financial Corporation serves multi-ethnic communities across a network spanning nine states. This network includes 32 full-service branches, five loan production offices, and three loan centers as of late 2025. These locations are in California, Colorado, Georgia, Illinois, New Jersey, New York, Texas, Virginia, and Washington.

Relationship-based banking model for small and middle market businesses.

The relationship-based model is evidenced by the stability of core funding sources. Noninterest-bearing demand deposits remained healthy, accounting for approximately 31% of total bank deposits in the third quarter of 2025. Total deposits grew by 0.6% during that quarter, reaching $6.77 billion. The bank specializes in lending to small and middle market businesses.

Conservative credit underwriting and excellent asset quality.

Hanmi Financial Corporation emphasizes a conservative credit underwriting culture. This is reflected in strong asset quality metrics reported for the third quarter of 2025. Nonperforming assets stood at 0.27% of total loans. Criticized loans were reported at 0.69% of total loans. The allowance for credit losses was maintained at 1.07% of total loans at the end of the third quarter of 2025. Furthermore, the company's capital position was strong, with the ratio of tangible common equity to tangible assets at 9.80%.

Key Asset Quality Indicators (Q3 2025):

• Nonperforming Assets to Loans: 0.27%
• Criticized Loans to Total Loans: 0.69%
• Allowance for Credit Losses to Loans: 1.07%
• Tangible Common Equity to Tangible Assets: 9.80%

Comprehensive trade finance and treasury management solutions.

Hanmi Bank offers a range of services to support international trade and corporate cash flow management for its clients. Treasury management services are a key offering alongside specialized lending. Trade finance solutions are designed to reduce risk and facilitate cash flow for international transactions.

Trade Finance Offerings Include:

• Letter of Credit (L/C) issuance and negotiation for importers and exporters.
• Import/Export Financing, such as Trust Receipt (T/R) and Purchase Advance (P/A).
• Handling of Documentary Collection, including Document against Acceptance (D/A's) and Document against Payment (D/P's).

Finance: draft 13-week cash view by Friday.

Hanmi Financial Corporation (HAFC) - Canvas Business Model: Customer Relationships

You're looking at how Hanmi Financial Corporation builds and maintains its client base, which is clearly centered on a relationship-first approach, especially for its core commercial audience. The management explicitly stated in their Q3 2025 earnings call that they remain focused on executing strategies, deepening client relationships, and optimizing the balance sheet. This isn't just about transactions; it's about being a long-term partner.

Dedicated relationship managers for commercial clients

For the small and middle market businesses that form the backbone of Hanmi Bank's lending-specializing in real estate, commercial, SBA, and trade finance-the dedicated relationship manager is key. This structure supports their strategic priority, which is growing the Commercial and Industrial (C&I) banking segment. You saw this focus translate into real production numbers; for the third quarter of 2025, C&I new loans hit $211,000,000. To put that in perspective, the C&I loan portfolio saw a 16% increase in 2024, showing the tangible results of this dedicated approach. Honestly, for complex business financing, having a dedicated person who understands your specific industry-like the U.S. subsidiaries of Korean companies they actively court-is non-negotiable.

High-touch, personalized service through the branch network

The physical footprint is designed to deliver that personalized service across key markets. Hanmi Bank serves multi-ethnic communities through a network that, as of late 2025, includes 32 full-service branches, five loan production offices, and three loan centers. This network spans states like California, Texas, Illinois, and Georgia, where they recently celebrated a new branch opening in Duluth, Georgia. The deposit growth in Q1 2025, which was up 3%, was directly attributed to contributions from these newly opened branches, which is a testament to the relationship-based banking model working on the ground. Here's a quick look at where that physical presence is concentrated, based on the latest available geographic breakdown for the loan portfolio as of March 31, 2025:

State/Region	Percentage of Portfolio (as of 3/31/2025)
California	71%
Texas	12%
Illinois	3%
Georgia	2%
Other	12%

What this estimate hides is the specific allocation of relationship managers, but the geographic spread shows where the high-touch effort is focused.

Self-service digital banking platforms (online and mobile)

While the high-touch service is crucial for commercial clients, Hanmi Bank supports its entire customer base with digital tools, including 24/7 mobile business banking. The health of the digital relationship is often reflected in the composition of deposits. For instance, noninterest-bearing demand deposits, which often signal active transactional use of bank services (both digital and physical), were strong. At the end of Q3 2025, these deposits accounted for 30.8% of total deposits, up from 31.2% at the end of Q1 2025. This stability, hovering around 31% to 33% across late 2024 and 2025, suggests clients are keeping significant operating cash within the bank, whether through online treasury management or in-person tellers.

Community-focused engagement to build long-term trust

Hanmi Bank's foundation is rooted in serving multi-ethnic communities, starting with the Korean American community in 1982. This community focus translates into specific engagement efforts, such as continuing to add new relationships and expand existing ones with the U.S. subsidiaries of Korean companies. They also show commitment through their lending practices, originating 420 small business and community development loans totaling $261 million in 2024, which included $96 million for affordable housing and economic growth. The overall relationship strategy is supported by solid operational metrics as of Q3 2025:

• Total Deposits: $6.77 billion as of September 30, 2025.
• Loans Receivable: $6.53 billion at September 30, 2025.
• Efficiency Ratio: Declined to 52.65% in Q3 2025, showing disciplined expense management alongside relationship growth.
• Q4 2025 Dividend Declared: $0.27 per share.

The bank is definitely focused on building connections that last.

Hanmi Financial Corporation (HAFC) - Canvas Business Model: Channels

You're looking at how Hanmi Financial Corporation (HAFC) gets its value proposition to its customers, which is a mix of traditional physical presence and modern digital tools. This is about access, plain and simple.

The physical footprint remains a core channel, especially for the commercial and relationship-focused lending business. As of the third quarter of 2025 reporting, Hanmi Bank operates a network designed to serve its multi-ethnic communities across key U.S. markets.

The physical distribution network is detailed below:

Channel Type	Count as of Q3 2025	Primary States of Operation Mentioned
Full-Service Branches	32	California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, Georgia
Loan Production Offices (LPOs)	5	Across key U.S. markets
Loan Centers	3	Across key U.S. markets

The emphasis on direct interaction is clear, supporting their specialization in real estate, commercial, SBA, and trade finance lending to small and middle-market businesses. The success of this channel is reflected in the loan production figures; for instance, loan production for the third quarter of 2025 accelerated to $570.8 million, which was up 73% from the prior quarter. Commercial loans were a strong contributor to this production.

Direct commercial lending teams and relationship officers are the human interface for these larger transactions. The company noted that ongoing investments in these commercial lending teams helped drive production in key asset classes, such as Commercial & Industrial (C&I) lending, which surged by 296% to $211 million in Q3 2025. This suggests the relationship officers are the primary channel for deploying capital in their target segments.

Digital channels support the retail and business banking side of the house, handling the day-to-day flow of funds. Hanmi Bank offers services through:

• Online & Mobile Banking
• Merchant Services
• Treasury Management

The scale of the deposit base managed through these channels as of September 30, 2025, was $6.77 billion. A significant portion of this base, specifically 30.8% of total deposits, was held in noninterest-bearing demand deposits at the end of the third quarter. This mix indicates that while digital platforms handle transactional banking, the core relationship remains tied to the deposit relationship, often facilitated by the in-person teams.

Finance: draft 13-week cash view by Friday.

Hanmi Financial Corporation (HAFC) - Canvas Business Model: Customer Segments

You're looking at the core client base for Hanmi Financial Corporation (HAFC) as of the third quarter of 2025. Honestly, their strategy is quite focused, blending deep community ties with targeted commercial lending.

Small and middle market businesses (SMEs).

This group is central to Hanmi Bank's lending activity. They specialize in real estate, commercial, SBA, and trade finance lending specifically to these SMEs. The Commercial and Industrial (C&I) loan portfolio shows this focus clearly. For instance, at September 30, 2025, C&I loans made up 16.1% of the total loans receivable, which stood at $6.53 billion. You also see their commitment to the Small Business Administration (SBA) business mentioned as a driver for loan production in earlier quarters, which directly serves the SME segment.

Multi-ethnic communities, primarily Korean-American.

This is a key differentiator for Hanmi Financial Corporation. The bank serves multi-ethnic communities across its network, which spans 9 states. The focus on the Korean-American community is supported by specific strategic initiatives. The Corporate Korea initiative, for example, drove significant growth in the C&I portfolio. Furthermore, deposits tied to the U.S. Korea Corporate (USKC) initiative were reported at 15% of total deposits in the first quarter of 2025. They support this with a physical footprint including 32 full-service branches, five loan production offices, and three loan centers in key markets like California, Texas, and New York.

Here's a quick look at the geographic reach supporting these communities:

• California: 71% of a specific portfolio segment as of Q1 2025.
• Texas: 12% of that same segment.
• Illinois: A smaller but present market share.
• Georgia: A newer expansion market, with a representative office opened to deepen Korean client relationships.

Commercial Real Estate (CRE) investors and owner-operators.

CRE remains the largest single asset class on Hanmi Bank's books. As of the third quarter of 2025, Commercial Real Estate loans accounted for 61.4% of the total loans receivable. Management has noted an ongoing effort to manage and reduce this exposure as a percentage of the total portfolio over time, but it still represents the largest customer base for their lending products. They remain disciplined in underwriting practices for this segment.

Individual consumers for deposit and residential mortgage products.

While commercial activity drives much of the headlines, individual consumers are vital for deposit funding and residential lending. At the end of Q3 2025, total deposits were $6.77 billion. A significant portion of this funding base comes from core relationships, with noninterest-bearing demand deposits holding steady at 30.8% of total deposits in Q3 2025. On the asset side, Residential/Consumer loans represented 16.0% of the loan portfolio as of September 30, 2025.

The Residential Real Estate (RRE) portfolio specifically was valued at $979.5 million at March 31, 2025, making up 16% of the total loan portfolio then. For these consumer mortgage products, Hanmi targets high-quality originations, often focusing on conservative Loan-to-Value (LTV) ratios between 60% and 70%.

Here's a breakdown of the loan portfolio composition as of September 30, 2025:

Loan Category	Percentage of Total Loans Receivable
Commercial Real Estate (CRE)	61.4%
Commercial and Industrial (C&I)	16.1%
Residential/Consumer	16.0%
Other (including SBA, Trade Finance)	6.5% (Calculated as 100% - 61.4% - 16.1% - 16.0%)

Finance: draft the next section on Value Propositions by Friday.

Hanmi Financial Corporation (HAFC) - Canvas Business Model: Cost Structure

You're looking at the core costs driving Hanmi Financial Corporation's operations as of late 2025, based on the third quarter results.

The cost structure is heavily influenced by funding costs, which are the interest paid to depositors and lenders. For the three months ended September 30, 2025, the average cost paid on interest-bearing deposits declined eight basis points to 3.56%. Conversely, the average cost of borrowings increased to 4.63% for the same period, up from 4.33% in the prior year period, as lower-rate borrowings matured or were paid off. The resulting Net Interest Income for Q3 2025 was $61.1 million.

Noninterest expenses reflect the cost of running the business outside of funding. Hanmi Financial Corporation managed these costs well, as evidenced by the efficiency ratio declining to 52.65% in Q3 2025, down from 55.74% in Q2 2025. This expense management, combined with higher net interest income and noninterest income, led to Preprovision Net Revenue (PPNR) increasing by 16.4%, or $4.7 million, quarter-over-quarter.

The physical footprint cost associated with the 32 full-service branch network and other facilities is captured in occupancy and equipment. For Q3 2025, occupancy and equipment expense saw an increase of $0.2 million compared to the previous quarter. For context, the absolute figure for Q4 2024 was $4,503 thousand (or $4.503 million).

Credit risk management is a direct cost component. The Allowance for Credit Losses (ACL) stood at $69.8 million at September 30, 2025, representing 1.07% of total loans. The actual Credit Loss Expense recognized for Q3 2025 was $2.1 million, which was a decrease of $5.5 million from the second quarter.

Technology and data processing expenditures are necessary for modern banking operations. While specific 2025 figures for total technology spend aren't detailed, the latest available component data from Q4 2024 shows Data processing expenditures were $3,800 thousand (or $3.800 million).

Here's a quick look at the key cost-related metrics from Q3 2025:

• Allowance for Credit Losses (ACL) to Loans Ratio: 1.07%
• Credit Loss Expense (Q3 2025): $2.1 million
• Efficiency Ratio (Q3 2025): 52.65%
• Noninterest-bearing demand deposits as a percentage of total deposits: 30.8%

You can see the breakdown of the latest reported expense figures in the table below:

Cost Component	Latest Reported Period	Amount (USD)
Allowance for Credit Losses (ACL)	Q3 2025 End of Period	$69.8 million
Credit Loss Expense	Q3 2025	$2.1 million
Net Interest Income (Result of Funding Costs)	Q3 2025	$61.1 million
Occupancy and Equipment Expense Change	Q3 2025 vs. Q2 2025	Increase of $0.2 million
Data Processing Expenditure	Q4 2024	$3,800 thousand

The management of noninterest expenses is clearly a focus, given the drop in the efficiency ratio. Also, the cost of borrowings is rising, which is something to watch as older, lower-rate debt rolls off.

Hanmi Financial Corporation (HAFC) - Canvas Business Model: Revenue Streams

You're looking at the core ways Hanmi Financial Corporation brings in money, which is really the engine room of any bank's business model. For late 2025, based on the third quarter results, the revenue streams are clearly dominated by traditional banking activities, but with some nice boosts from asset sales.

The primary driver remains the spread between what Hanmi Financial earns on its assets and what it pays out on its liabilities. This is the Net Interest Income, and it was strong in Q3 2025.

Here's a look at the key components making up the top line for the third quarter of 2025:

Revenue Component	Q3 2025 Amount	Context/Detail
Net Interest Income	$61.1 million	Up 6.9% from the second quarter of 2025.
Total Noninterest Income	$9.9 million	A 22.4% increase from the prior quarter.
Total Reported Revenue	$70.96 million	Reported revenue for the quarter ended September 2025.

The Noninterest Income stream, which is everything outside of the core lending spread, saw a healthy bump. It's important to see what's driving that 22.4% quarter-over-quarter growth, as it often includes less predictable items.

You can break down that noninterest income into a few specific, reportable sources that Hanmi Financial relies on:

• Income from bank-owned life insurance (BOLI) death benefits was $900,000 in Q3 2025.
• Gains from selling residential mortgages contributed to the total.
• Fees and gains from originating and selling SBA loans are also part of this bucket.

Let's drill down on the specific gains from loan sales, as these are transactional revenue sources that can fluctuate:

The Gains on the sale of residential mortgage loans were a notable contributor. For the third quarter of 2025, Hanmi Financial sold $67.8 million worth of residential mortgages, which generated a specific gain of $1.2 million.

For the Fees from trade finance and SBA loan origination, the Small Business Administration (SBA) program provided a clear number. Hanmi Financial originated $45 million in SBA loans during the quarter. Selling a portion of these, specifically $32.6 million in SBA loans, resulted in a gain of $1.9 million.

Finally, the Income from bank-owned life insurance (BOLI) is a steady, albeit smaller, component. The death benefits received in Q3 2025 were $900,000. Honestly, this is a nice, non-operational boost when it hits.

Finance: draft 13-week cash view by Friday.