Hanmi Financial Corporation (HAFC): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumerja el plan estratégico de Hanmi Financial Corporation (HAFC), una potencia bancaria regional dinámica que transforma los servicios financieros tradicionales a través de enfoques innovadores. Al crear meticulosamente un modelo de negocio que equilibra la banca comunitaria personalizada con infraestructura digital de vanguardia, HAFC se ha posicionado como un jugador distintivo en el paisaje financiero competitivo de California. Este lienzo de modelo comercial integral revela cómo el banco aprovecha las asociaciones estratégicas, los segmentos de clientes específicos y las propuestas de valor únicas para crear un ecosistema financiero robusto y adaptable que sirva a empresas pequeñas a medianas con agilidad y precisión sin precedentes.

Hanmi Financial Corporation (HAFC) - Modelo de negocios: asociaciones clave

Asociaciones estratégicas con bancos regionales en California

A partir del cuarto trimestre de 2023, Hanmi Financial Corporation mantiene asociaciones estratégicas con bancos regionales en California, centrándose en las redes de préstamos y servicios financieros colaborativos.

Banco de socios	Enfoque de asociación	Cobertura geográfica
Pacific Western Bank	Colaboración de préstamos comerciales	Sur de California
East West	Servicios comerciales de mercado cruzado	Área de la Bahía y Los Ángeles

Colaboración con la Administración de Pequeñas Empresas (SBA)

Hanmi Financial mantiene una asociación activa de préstamos de la SBA con las siguientes métricas:

• Volumen total de préstamos de SBA en 2023: $ 187.4 millones
• Número de préstamos SBA procesados: 342
• Tamaño promedio del préstamo de la SBA: $ 547,664

Proveedores de tecnología para infraestructura bancaria digital

Proveedor de tecnología	Servicio proporcionado	Valor anual del contrato
Fiserv, Inc.	Plataforma bancaria central	$ 3.2 millones
Jack Henry & Asociado	Soluciones de banca digital	$ 1.8 millones

Asociaciones comerciales locales y cámaras de comercio

Hanmi Financial se involucra activamente con 17 cámaras locales de comercio En todo California, apoyando las iniciativas de redes y desarrollo económico de las pequeñas empresas.

Relaciones bancarias corresponsales

Institución financiera nacional	Tipo de relación	Volumen de transacción (2023)
Wells Fargo Bank	Banca corresponsal	$ 426 millones
Banco de América	Préstamos interbancarios	$ 312 millones

Hanmi Financial Corporation (HAFC) - Modelo de negocio: actividades clave

Préstamos comerciales y de pequeñas empresas

A partir del cuarto trimestre de 2023, Hanmi Financial Corporation reportó préstamos totales de $ 5.96 mil millones, con préstamos inmobiliarios comerciales que representan $ 3.42 mil millones y préstamos comerciales e industriales a $ 1.34 mil millones.

Categoría de préstamo	Monto total ($ mil millones)	Porcentaje de cartera de préstamos
Préstamos inmobiliarios comerciales	3.42	57.4%
Préstamos comerciales e industriales	1.34	22.5%
Préstamos al consumo	0.85	14.3%

Servicios de depósito y banca

Hanmi Financial Corporation mantuvo depósitos totales de $ 6.83 mil millones al 31 de diciembre de 2023.

• Depósitos de no interesados: $ 1.97 mil millones
• Cuentas corrientes de intereses: $ 2.45 mil millones
• Depósitos de ahorro y mercado monetario: $ 1.86 mil millones
• Depósitos de tiempo: $ 0.55 mil millones

Gestión de riesgos y evaluación de crédito

El banco mantuvo un relación de préstamo no realizado de 0.35% A partir del cuarto trimestre de 2023, con una reserva total de pérdidas de préstamos de $ 93.2 millones.

Métrico de riesgo	Valor
Relación de carga neta	0.12%
Relación de reserva de pérdida de préstamo	1.56%
Relación de capital de nivel 1	13.7%

Desarrollo de la plataforma de banca digital

Hanmi Financial invirtió $ 12.3 millones en infraestructura tecnológica y capacidades de banca digital en 2023.

• Usuarios de la aplicación de banca móvil: 65,000
• Transacciones bancarias en línea por mes: 285,000
• Tasa de apertura de cuenta digital: 37%

Gestión de la banca y las relaciones comunitarias

Hanmi Financial opera 40 sucursales en California, con un enfoque en servir a las comunidades asiáticoamericanas y de pequeñas empresas.

Ubicación de la rama	Número de ramas
Área metropolitana de Los Ángeles	25
Área de la Bahía de San Francisco	10
Otras regiones de California	5

Hanmi Financial Corporation (HAFC) - Modelo de negocios: recursos clave

Red bancaria regional fuerte en California

A partir del cuarto trimestre de 2023, Hanmi Financial Corporation opera 64 ramas bancarias Predominantemente ubicado en California. La concentración geográfica del banco incluye:

Región	Número de ramas	Porcentaje de red
Área metropolitana de Los Ángeles	38	59.4%
Área de la Bahía de San Francisco	16	25%
Otras regiones de California	10	15.6%

Equipo de gestión experimentado

Composición del equipo de gestión a partir de 2024:

• Promedio de tenencia ejecutiva: 12.5 años
• Liderazgo con amplia experiencia bancaria en banca comercial y minorista
• Ejecutivos de C-suite con experiencia promedio de la industria de más de 20 años

Tecnología de banca digital avanzada

Inversión en infraestructura tecnológica en 2023: $ 8.2 millones

Categoría de tecnología	Monto de la inversión
Plataformas de banca digital	$ 3.6 millones
Sistemas de ciberseguridad	$ 2.5 millones
Aplicaciones de banca móvil	$ 2.1 millones

Capital financiero y reservas robustas

Métricas financieras a partir del cuarto trimestre 2023:

• Activos totales: $ 8.9 mil millones
• Relación de capital de nivel 1: 13.6%
• Relación de capital total basada en el riesgo: 15.2%
• Relación de cobertura de liquidez: 125%

Fuerza laboral hábil

Categoría de empleado	Total de empleados	Experiencia promedio
Especialistas en préstamos comerciales	127	9.3 años
Profesionales de la banca minorista	246	7.5 años
Tecnología y operaciones	89	6.8 años

Hanmi Financial Corporation (HAFC) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para pequeñas y medianas empresas

A partir del cuarto trimestre de 2023, Hanmi Financial Corporation informó una cartera total de préstamos para pequeñas empresas de $ 1.37 mil millones, con un 68% de préstamos por debajo de $ 500,000 dirigidos a pequeñas y medianas empresas (PYME).

Categoría de préstamo	Valor total de la cartera	Porcentaje de préstamos de PYME
Préstamos para pequeñas empresas	$ 1.37 mil millones	68%
Inmobiliario comercial	$ 892 millones	22%

Productos de préstamos competitivos con términos flexibles

Hanmi ofrece tasas de interés competitivas que van entre 5.75% a 8.25% para préstamos comerciales, con términos promedio de préstamos entre 36 y 84 meses.

• SBA 7 (a) Tasas de préstamo: 5.75% - 6.50%
• Préstamos a plazo comercial: 6.25% - 8.25%
• Tiempo promedio de procesamiento de préstamos: 15-22 días hábiles

Toma de decisiones locales y procesamiento rápido de préstamos

Hanmi mantiene 40 ubicaciones de sucursales principalmente en California, con el 92% de las decisiones de préstamos tomadas en los mercados locales.

Métrico	Valor
Ubicaciones de sucursales totales	40
Decisiones de préstamo local	92%
Tiempo promedio de aprobación del préstamo	17 días hábiles

Experiencia bancaria digital integral

La plataforma de banca digital admite 78,000 usuarios activos en línea con volumen de transacciones de banca móvil que aumenta un 22% en 2023.

• Usuarios de banca móvil: 78,000
• Crecimiento de la transacción digital: 22%
• Adopción de pago de facturas en línea: 65%

Servicios financieros sólidos centrados en la comunidad

Hanmi Financial atiende a mercados predominantemente asiáticoamericanos, con el 65% de la base de clientes en las áreas metropolitanas de California.

Segmento de mercado	Porcentaje
Base de clientes asiáticoamericanos	72%
Mercados metropolitanos de California	65%
Calificación de la Ley de Reinversión Comunitaria	Satisfactorio

Hanmi Financial Corporation (HAFC) - Modelo de negocios: relaciones con los clientes

Enfoque de banca de relación personalizada

Hanmi Financial Corporation mantiene 60 ubicaciones de sucursales de servicio completo en California, principalmente atendiendo a comunidades comerciales coreanas estadounidenses y multiculturales. A partir del cuarto trimestre de 2023, el banco reportó 220,675 cuentas de clientes totales con un enfoque en interacciones bancarias personalizadas.

Segmento de clientes	Número de cuentas	Valor de cuenta promedio
Pequeñas empresas	38,542	$287,650
Clientes bancarios personales	182,133	$76,450

Gerentes de relaciones dedicadas para clientes comerciales

Hanmi Financial ofrece servicios especializados de gestión de relaciones con 87 gerentes de relaciones bancarias comerciales dedicadas a partir de 2023.

• Portafolio de clientes promedio por gerente de relaciones: 442 cuentas comerciales
• Duración de la relación de cliente comercial mediana: 4.7 años
• Tasa anual de retención de clientes comerciales: 88.3%

Soporte bancario en línea y móvil

Las plataformas de banca digital sirven al 72% de la base de clientes de Hanmi Financial. En 2023, el banco reportó 145,286 usuarios activos de banca digital.

Plataforma digital	Usuarios totales	Usuarios activos mensuales
Aplicación de banca móvil	128,642	94,375
Banca web en línea	145,286	112,456

Servicios de consulta financiera regular

Hanmi Financial ofrece consultas financieras gratuitas, con 12.845 consultas realizadas en 2023.

• Duración de consulta promedio: 47 minutos
• Tipos de consulta ofrecidos:
  • Planificación financiera comercial
  • Gestión de patrimonio personal
  • Estrategia de inversión
  • Servicios de asesoramiento de préstamos

Compromiso comunitario y eventos locales de redes

En 2023, Hanmi Financial organizó 76 eventos de redes comunitarias en California, involucrando aproximadamente 5,620 clientes comerciales e individuales.

Tipo de evento	Número de eventos	Participantes totales
Redes comerciales	42	3,275
Educación financiera	34	2,345

Hanmi Financial Corporation (HAFC) - Modelo de negocios: canales

Red de sucursales físicas en California

A partir de 2024, Hanmi Financial Corporation opera 33 ramas de servicio completo, principalmente concentrado en California. La red de sucursales está ubicada estratégicamente en áreas metropolitanas clave, que incluyen:

Región	Número de ramas
Área metropolitana de Los Ángeles	22
Área de la Bahía de San Francisco	7
Área de San Diego	4

Plataforma bancaria en línea

La plataforma de banca digital proporciona servicios completos con las siguientes características:

• Gestión de cuentas
• Transferencias de fondos
• Servicios de pago de facturas
• Historial de transacciones
• Declaraciones digitales

Aplicación de banca móvil

Estadísticas de banca móvil para Hanmi Financial Corporation:

Módulo de aplicación móvil	2024 datos
Descargas totales de aplicaciones móviles	87,500
Usuarios activos mensuales	62,300
Volumen de transacción móvil	$ 215 millones por trimestre

Centros de llamadas de servicio al cliente

Detalles operativos del centro de llamadas:

• Representantes de servicio al cliente total: 124
• Tiempo promedio de manejo de llamadas: 7.2 minutos
• Horario de servicio al cliente: 7:00 a.m. a 8:00 p.m. PST
• Idiomas compatibles: inglés, coreano

Canales de comunicación digital

Métricas de plataforma de comunicación digital:

Canal	Métricas de compromiso
Tráfico del sitio web	425,000 visitantes mensuales
Comunicación por correo electrónico	92,500 suscriptores de correo electrónico activos
Seguidores de redes sociales	LinkedIn: 18,700 Facebook: 12,400

Hanmi Financial Corporation (HAFC) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Hanmi Financial atiende a aproximadamente 3.750 clientes comerciales pequeños a medianos en California. Cartera total de préstamos comerciales para este segmento: $ 1.2 mil millones.

Desglose del segmento de negocios	Número de clientes	Volumen total del préstamo
Negocios minoristas	1,250	$ 425 millones
Industrias de servicios	1,100	$ 375 millones
Fabricación	850	$ 285 millones
Empresas tecnológicas	550	$ 115 millones

Empresas comerciales locales

Base de clientes de la empresa comercial local: 2.100 empresas en el sur de California. Tamaño promedio del préstamo: $ 750,000.

• Concentración geográfica: condado de Los Ángeles (65%)
• Condado de Orange (25%)
• Condado de San Diego (10%)

Proveedores de servicios profesionales

El segmento de proveedores de servicios profesionales totaliza a 1,450 clientes con $ 275 millones en préstamos totales.

Categoría profesional	Conteo de clientes	Volumen de préstamos
Firma legal	425	$ 85 millones
Prácticas médicas	550	$ 110 millones
Firmas de contabilidad	275	$ 50 millones
Grupos de consultoría	200	$ 30 millones

Clientes bancarios individuales en California

Total de clientes bancarios individuales: 87,500. Base de depósito: $ 2.3 mil millones.

• Cuentas corrientes personales: 52,300
• Cuentas de ahorro: 35,200
• Saldo promedio de la cuenta del cliente: $ 26,500

Empresarios y empresas de startups

Segmento de inicio y emprendedor: 650 clientes activos. Volumen total de préstamos de inicio: $ 95 millones.

Industria de inicio	Conteo de clientes	Volumen de préstamos
Tecnología	275	$ 45 millones
Biotecnología	125	$ 25 millones
Comercio electrónico	150	$ 15 millones
Otros sectores	100	$ 10 millones

Hanmi Financial Corporation (HAFC) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

A partir del cuarto trimestre de 2023, Hanmi Financial Corporation informó gastos de compensación de empleados totales de $ 98.4 millones para el año. El desglose de la compensación incluye:

Categoría de compensación	Monto ($)
Salarios base	68,200,000
Bonos de rendimiento	12,600,000
Beneficios de atención médica	9,800,000
Contribuciones de jubilación	7,800,000

Mantenimiento de la infraestructura tecnológica

Los costos de infraestructura tecnológica para Hanmi Financial en 2023 totalizaron $ 22.5 millones, lo que incluye:

• Mantenimiento de sistemas de TI: $ 8,700,000
• Inversiones de ciberseguridad: $ 5,600,000
• Licencias de software: $ 4,200,000
• Actualizaciones de hardware: $ 4,000,000

Gastos de operación de rama

Los costos operativos relacionados con la sucursal para 2023 ascendieron a $ 35.6 millones:

Categoría de gastos	Monto ($)
Alquiler e instalaciones	15,300,000
Utilidades	5,800,000
Equipo de rama	7,200,000
Apoyo al personal de la sucursal	7,300,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 fueron de $ 16.2 millones, distribuidos de la siguiente manera:

• Personal legal y de cumplimiento: $ 6,500,000
• Auditoría e informes: $ 4,300,000
• Capacitación regulatoria: $ 2,700,000
• Tecnología de cumplimiento: $ 2,700,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 totalizaron $ 12.3 millones:

Canal de marketing	Monto ($)
Marketing digital	4,900,000
Publicidad tradicional	3,700,000
Patrocinios comunitarios	2,100,000
Campañas de adquisición de clientes	1,600,000

Hanmi Financial Corporation (HAFC) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos comerciales

A partir del cuarto trimestre de 2023, Hanmi Financial Corporation informó ingresos por intereses netos de $ 127.4 millones. La cartera de préstamos totales se valoró en $ 4.76 mil millones, con préstamos comerciales que representan una parte significativa de esta cantidad.

Categoría de préstamo	Cantidad total	Porcentaje de cartera
Préstamos inmobiliarios comerciales	$ 2.93 mil millones	61.6%
Comercial & Préstamos industriales	$ 1.24 mil millones	26.1%

Servicios bancarios basados ​​en tarifas

En 2023, Hanmi Financial generó $ 35.2 millones en ingresos sin intereses de servicios basados ​​en tarifas.

• CARGOS DE SERVICIO DE CUENTA DE DISPOSITOS: $ 12.6 millones
• Tarifas de transacción de la tarjeta de débito y de la tarjeta de débito: $ 8.7 millones
• Tarifas de sobregiro: $ 4.9 millones

Tarifas de originación de préstamos de la SBA

Hanmi Bank se originó $ 287.4 millones en préstamos de SBA durante 2023, generando aproximadamente $ 14.3 millones En tarifas de originación de préstamos de la SBA.

Servicios de cuentas de depósito

Base de depósito total al 31 de diciembre de 2023: $ 5.91 mil millones

Tipo de depósito	Cantidad total	Tasa de interés
Depósitos de cojinete sin interés	$ 1.47 mil millones	0%
Verificación de intereses	$ 2.39 mil millones	1.85%
Cuentas de ahorro	$ 1.25 mil millones	2.15%

Servicios de inversión y gestión de patrimonio

Activos bajo gestión (AUM) para servicios de gestión de patrimonio: $ 612 millones

• Tarifas de asesoramiento de inversiones: $ 7.6 millones
• Gestión de cuentas de jubilación: $ 4.2 millones
• Servicios de planificación de fideicomiso y patrimonio: $ 3.1 millones

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.