Hanmi Financial Corporation (HAFC): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le plan stratégique de Hanmi Financial Corporation (HAFC), une puissance bancaire régionale dynamique qui transforme les services financiers traditionnels à travers des approches innovantes. En fabriquant méticuleusement un modèle commercial qui équilibre la banque communautaire personnalisée avec une infrastructure numérique de pointe, HAFC s'est positionné comme un acteur distinctif dans le paysage financier compétitif de Californie. Cette toile complète du modèle commercial révèle comment la banque exploite des partenariats stratégiques, des segments de clients ciblés et des propositions de valeur uniques pour créer un écosystème financier robuste et adaptable qui sert de petites à des entreprises de taille moyenne avec une agilité et une précision sans précédent.

Hanmi Financial Corporation (HAFC) - Modèle d'entreprise: partenariats clés

Partenariats stratégiques avec les banques régionales en Californie

Depuis le quatrième trimestre 2023, Hanmi Financial Corporation maintient des partenariats stratégiques avec les banques régionales de la Californie, en se concentrant sur les réseaux de prêts collaboratifs et de services financiers.

Banque partenaire	Focus de partenariat	Couverture géographique
Banque occidentale du Pacifique	Collaboration commerciale de prêts	Californie du Sud
East West	Services commerciaux commerciaux	Bay Area et Los Angeles

Collaboration avec Small Business Administration (SBA)

Hanmi Financial maintient un partenariat de prêt SBA actif avec les mesures suivantes:

• Volume total de prêts SBA en 2023: 187,4 millions de dollars
• Nombre de prêts SBA traités: 342
• Taille moyenne du prêt SBA: 547 664 $

Vendeurs technologiques pour l'infrastructure bancaire numérique

Fournisseur de technologie	Service fourni	Valeur du contrat annuel
Fiserv, Inc.	Plateforme bancaire de base	3,2 millions de dollars
Jack Henry & Associés	Solutions bancaires numériques	1,8 million de dollars

Associations commerciales locales et chambres de commerce

Hanmi Financial s'engage activement avec 17 chambres de commerce locales Dans toute la Californie, soutenir les initiatives de réseautage des petites entreprises et de développement économique.

Relations bancaires correspondantes

Institution financière nationale	Type de relation	Volume de transaction (2023)
Banque Wells Fargo	Banque correspondant	426 millions de dollars
Banque d'Amérique	Prêts interbancaires	312 millions de dollars

Hanmi Financial Corporation (HAFC) - Modèle d'entreprise: activités clés

Prêts commerciaux et petites entreprises

Au quatrième trimestre 2023, Hanmi Financial Corporation a déclaré des prêts totaux de 5,96 milliards de dollars, des prêts immobiliers commerciaux représentant 3,42 milliards de dollars et des prêts commerciaux et industriels à 1,34 milliard de dollars.

Catégorie de prêt	Montant total (milliards de dollars)	Pourcentage du portefeuille de prêts
Prêts immobiliers commerciaux	3.42	57.4%
Prêts commerciaux et industriels	1.34	22.5%
Prêts à la consommation	0.85	14.3%

Services de dépôt et bancaire

Hanmi Financial Corporation a maintenu des dépôts totaux de 6,83 milliards de dollars au 31 décembre 2023.

• Dépôts sans intérêt: 1,97 milliard de dollars
• Comptes chèques portant des intérêts: 2,45 milliards de dollars
• Dépôts du marché des économies et de l'argent: 1,86 milliard de dollars
• Dépôts de temps: 0,55 milliard de dollars

Gestion des risques et évaluation du crédit

La banque a maintenu un Ratio de prêt non performant de 0,35% Au quatrième trimestre 2023, avec une réserve de perte de prêt totale de 93,2 millions de dollars.

Métrique à risque	Valeur
Ratio de recharge nette	0.12%
Ratio de réserve de perte de prêt	1.56%
Ratio de capital de niveau 1	13.7%

Développement de la plate-forme bancaire numérique

Hanmi Financial a investi 12,3 millions de dollars dans les capacités d'infrastructure technologique et de banque numérique en 2023.

• Utilisateurs d'applications bancaires mobiles: 65 000
• Transactions bancaires en ligne par mois: 285 000
• Taux d'ouverture du compte numérique: 37%

Banque communautaire et gestion des relations

Hanmi Financial exploite 40 succursales à travers la Californie, en mettant l'accent sur le service des communautés asiatiques américaines et petites.

Emplacement de la succursale	Nombre de branches
Région métropolitaine de Los Angeles	25
Région de la baie de San Francisco	10
Autres régions de Californie	5

Hanmi Financial Corporation (HAFC) - Modèle d'entreprise: Ressources clés

Strong régional Banking Network en Californie

Depuis le quatrième trimestre 2023, Hanmi Financial Corporation exploite 64 succursales bancaires Principalement situé en Californie. La concentration géographique de la banque comprend:

Région	Nombre de branches	Pourcentage de réseau
Région métropolitaine de Los Angeles	38	59.4%
Région de la baie de San Francisco	16	25%
Autres régions de Californie	10	15.6%

Équipe de gestion expérimentée

Composition de l'équipe de gestion à partir de 2024:

• Pureur exécutif moyen: 12,5 ans
• Leadership ayant une vaste expérience bancaire dans les services bancaires commerciaux et commerciaux
• C-suite cadres ayant une expérience moyenne de l'industrie de plus de 20 ans

Technologie des banques numériques avancées

Investissement dans les infrastructures technologiques en 2023: 8,2 millions de dollars

Catégorie de technologie	Montant d'investissement
Plateformes bancaires numériques	3,6 millions de dollars
Systèmes de cybersécurité	2,5 millions de dollars
Applications bancaires mobiles	2,1 millions de dollars

Capital financier robuste et réserves

Mesures financières auprès du quatrième trimestre 2023:

• Actifs totaux: 8,9 milliards de dollars
• Ratio de capital de niveau 1: 13.6%
• Ratio de capital total basé sur les risques: 15.2%
• Ratio de couverture de liquidité: 125%

Main-d'œuvre qualifiée

Catégorie des employés	Total des employés	Expérience moyenne
Spécialistes des prêts commerciaux	127	9.3 ans
Professionnels de la banque de détail	246	7,5 ans
Technologie et opérations	89	6,8 ans

Hanmi Financial Corporation (HAFC) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les petites et moyennes entreprises

Au quatrième trimestre 2023, Hanmi Financial Corporation a déclaré un portefeuille total de prêts pour petites entreprises de 1,37 milliard de dollars, avec 68% des prêts de moins de 500 000 $ ciblant les petites et moyennes entreprises (PME).

Catégorie de prêt	Valeur totale du portefeuille	Pourcentage de prêts PME
Prêts aux petites entreprises	1,37 milliard de dollars	68%
Immobilier commercial	892 millions de dollars	22%

Produits de prêt compétitifs avec des conditions flexibles

Hanmi offre des taux d'intérêt concurrentiels allant de 5,75% à 8,25% pour les prêts commerciaux, avec des conditions de prêt moyen entre 36 et 84 mois.

• Taux de prêt SBA 7 (a): 5,75% - 6,50%
• Prêts à terme commercial: 6,25% - 8,25%
• Temps de traitement moyen des prêts: 15-22 jours ouvrables

Prise de décision locale et traitement rapide des prêts

Hanmi maintient 40 succursales principalement en Californie, avec 92% des décisions de prêt prises sur les marchés locaux.

Métrique	Valeur
Total des succursales	40
Décisions de prêt local	92%
Temps d'approbation du prêt moyen	17 jours ouvrables

Expérience bancaire numérique complète

La plate-forme bancaire numérique prend en charge 78 000 utilisateurs en ligne actifs avec un volume de transactions bancaires mobiles augmentant de 22% en 2023.

• Utilisateurs de la banque mobile: 78 000
• Croissance des transactions numériques: 22%
• Adoption de paiement des factures en ligne: 65%

Services financiers solides axés sur la communauté

Hanmi Financial dessert principalement les marchés américains asiatiques, avec 65% de la clientèle dans les zones métropolitaines de Californie.

Segment de marché	Pourcentage
Clientèle américain asiatique	72%
Marchés métropolitains de Californie	65%
Évaluation de la loi sur le réinvestissement communautaire	Satisfaisant

Hanmi Financial Corporation (HAFC) - Modèle d'entreprise: relations avec les clients

Approche bancaire des relations personnalisées

Hanmi Financial Corporation maintient 60 succursales à service complet à travers la Californie, servant principalement des communautés commerciales coréennes américaines et multiculturelles. Au quatrième trimestre 2023, la banque a déclaré 220 675 comptes clients totaux en mettant l'accent sur les interactions bancaires personnalisées.

Segment de clientèle	Nombre de comptes	Valeur moyenne du compte
Clients des petites entreprises	38,542	$287,650
Clients bancaires personnels	182,133	$76,450

Gestionnaires de relations dédiés pour les clients commerciaux

Hanmi Financial fournit des services de gestion des relations spécialisés avec 87 gestionnaires de relations bancaires commerciaux dédiés à 2023.

• Portefeuille client moyen par gestion des relations: 442 comptes d'entreprise
• Durée médiane de la relation client: 4,7 ans
• Taux de rétention de clientèle annuel: 88,3%

Assistance bancaire en ligne et mobile

Les plates-formes bancaires numériques desservent 72% de la clientèle de Hanmi Financial. En 2023, la banque a signalé 145 286 utilisateurs de banque numérique actifs.

Plate-forme numérique	Total utilisateurs	Utilisateurs actifs mensuels
Application bancaire mobile	128,642	94,375
Banque Web en ligne	145,286	112,456

Services de consultation financière réguliers

Hanmi Financial propose des consultations financières complémentaires, avec 12 845 consultations menées en 2023.

• Durée moyenne de la consultation: 47 minutes
• Types de consultation offerts:
  • Planification financière des entreprises
  • Gestion de la richesse personnelle
  • Stratégie d'investissement
  • Services de conseil aux prêts

Engagement communautaire et événements de réseautage local

En 2023, Hanmi Financial a accueilli 76 événements de réseautage communautaire à travers la Californie, engageant environ 5 620 clients commerciaux et individuels.

Type d'événement	Nombre d'événements	Total des participants
Réseautage d'entreprise	42	3,275
Éducation financière	34	2,345

Hanmi Financial Corporation (HAFC) - Modèle d'entreprise: canaux

Réseau de succursales physiques en Californie

Depuis 2024, Hanmi Financial Corporation exploite 33 branches à service complet, principalement concentré en Californie. Le réseau de succursales est stratégiquement situé dans des zones métropolitaines clés, notamment:

Région	Nombre de branches
Région métropolitaine de Los Angeles	22
Région de la baie de San Francisco	7
Région de San Diego	4

Plateforme bancaire en ligne

La plate-forme bancaire numérique fournit des services complets avec les fonctionnalités suivantes:

• Gestion des comptes
• Transferts de fonds
• Services de paiement de factures
• Historique des transactions
• Déclarations numériques

Application bancaire mobile

Statistiques des banques mobiles pour Hanmi Financial Corporation:

Métrique de l'application mobile	2024 données
Téléchargements totaux d'applications mobiles	87,500
Utilisateurs actifs mensuels	62,300
Volume de transaction mobile	215 millions de dollars par trimestre

Centres d'appels de service client

Détails opérationnels du centre d'appels:

• Représentants totaux du service à la clientèle: 124
• Temps moyen de gestion des appels: 7,2 minutes
• Heures de service à la clientèle: 7h00 - 20h00 PST
• Langues soutenues: anglais, coréen

Canaux de communication numériques

Métriques de la plate-forme de communication numérique:

Canal	Métriques d'engagement
Trafic	425 000 visiteurs mensuels
Communication par e-mail	92 500 abonnés par e-mail actifs
Abonnés des médias sociaux	LinkedIn: 18 700 Facebook: 12 400

Hanmi Financial Corporation (HAFC) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Hanmi Financial dessert environ 3 750 clients commerciaux de taille petite et moyenne en Californie. Portfolio total de prêts commerciaux pour ce segment: 1,2 milliard de dollars.

Répartition des segments des entreprises	Nombre de clients	Volume total des prêts
Commerces de détail	1,250	425 millions de dollars
Industries des services	1,100	375 millions de dollars
Fabrication	850	285 millions de dollars
Entreprises technologiques	550	115 millions de dollars

Entreprises commerciales locales

Base de clientèle commerciale locale: 2 100 entreprises à travers le sud de la Californie. Taille moyenne du prêt: 750 000 $.

• Concentration géographique: comté de Los Angeles (65%)
• Comté d'Orange (25%)
• Comté de San Diego (10%)

Fournisseurs de services professionnels

Le segment du fournisseur de services professionnels totalise 1 450 clients avec 275 millions de dollars de prêts totaux.

Catégorie professionnelle	Nombre de clients	Volume de prêt
Cabinets juridiques	425	85 millions de dollars
Pratiques médicales	550	110 millions de dollars
Compagnies comptables	275	50 millions de dollars
Groupes de conseil	200	30 millions de dollars

Clients bancaires individuels en Californie

Total des clients bancaires individuels: 87 500. Base de dépôt: 2,3 milliards de dollars.

• Comptes de chèques personnels: 52 300
• Comptes d'épargne: 35 200
• Solde moyen du compte client: 26 500 $

Entrepreneurs et startups

Segment de démarrage et d'entrepreneur: 650 clients actifs. Volume total de prêt de démarrage: 95 millions de dollars.

Industrie du démarrage	Nombre de clients	Volume de prêt
Technologie	275	45 millions de dollars
Biotechnologie	125	25 millions de dollars
Commerce électronique	150	15 millions de dollars
Autres secteurs	100	10 millions de dollars

Hanmi Financial Corporation (HAFC) - Modèle d'entreprise: Structure des coûts

Salaires et avantages sociaux des employés

Au quatrième trimestre 2023, Hanmi Financial Corporation a déclaré des frais totaux de rémunération des employés de 98,4 millions de dollars pour l'année. La rupture de la rémunération comprend:

Catégorie de compensation	Montant ($)
Salaires de base	68,200,000
Bonus de performance	12,600,000
Avantages sociaux	9,800,000
Contributions à la retraite	7,800,000

Maintenance des infrastructures technologiques

Les coûts d'infrastructure technologique pour Hanmi Financial en 2023 ont totalisé 22,5 millions de dollars, ce qui comprend:

• Maintenance des systèmes informatiques: 8 700 000 $
• Investissements en cybersécurité: 5 600 000 $
• Licence de logiciel: 4 200 000 $
• Mises à niveau matériel: 4 000 000 $

Dépenses de fonctionnement de la succursale

Les coûts d'exploitation liés à la succursale pour 2023 s'élevaient à 35,6 millions de dollars:

Catégorie de dépenses	Montant ($)
Loyer et installations	15,300,000
Services publics	5,800,000
Équipement de succursale	7,200,000
Soutien du personnel de la succursale	7,300,000

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 étaient de 16,2 millions de dollars, distribuées comme suit:

• Personnel juridique et de conformité: 6 500 000 $
• Audit et rapport: 4 300 000 $
• Formation réglementaire: 2 700 000 $
• Technologie de conformité: 2 700 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 ont totalisé 12,3 millions de dollars:

Canal de marketing	Montant ($)
Marketing numérique	4,900,000
Publicité traditionnelle	3,700,000
Parrainages communautaires	2,100,000
Campagnes d'acquisition de clients	1,600,000

Hanmi Financial Corporation (HAFC) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts commerciaux

Au quatrième trimestre 2023, Hanmi Financial Corporation a déclaré un revenu net d'intérêts de 127,4 millions de dollars. Le portefeuille total des prêts était évalué à 4,76 milliards de dollars, les prêts commerciaux représentant une partie importante de ce montant.

Catégorie de prêt	Montant total	Pourcentage de portefeuille
Prêts immobiliers commerciaux	2,93 milliards de dollars	61.6%
Commercial & Prêts industriels	1,24 milliard de dollars	26.1%

Services bancaires basés sur les frais

En 2023, Hanmi Financial a généré 35,2 millions de dollars de revenus non intérêts à partir de services fondés sur les frais.

• Frais de service de compte de dépôt: 12,6 millions de dollars
• Frais de transaction ATM et carte de débit: 8,7 millions de dollars
• Frais de découvert: 4,9 millions de dollars

Frais d'origine du prêt SBA

Hanmi Bank est originaire 287,4 millions de dollars dans les prêts SBA en 2023, générant environ 14,3 millions de dollars dans les frais d'origine des prêts SBA.

Services de compte de dépôt

Base de dépôt totale au 31 décembre 2023: 5,91 milliards de dollars

Type de dépôt	Montant total	Taux d'intérêt
Dépôts d'intérêt sans intérêt	1,47 milliard de dollars	0%
Vérification porteuse d'intérêt	2,39 milliards de dollars	1.85%
Comptes d'épargne	1,25 milliard de dollars	2.15%

Services d'investissement et de gestion de la patrimoine

Actifs sous gestion (AUM) pour les services de gestion de patrimoine: 612 millions de dollars

• Frais de conseil en investissement: 7,6 millions de dollars
• Gestion des comptes de retraite: 4,2 millions de dollars
• Services de planification de la confiance et de la succession: 3,1 millions de dollars

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.