Hanmi Financial Corporation (HAFC): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Hanmi Financial Corporation (HAFC), uma potência bancária regional dinâmica que transforma os serviços financeiros tradicionais por meio de abordagens inovadoras. Ao criar meticulosamente um modelo de negócios que equilibra o banco comunitário personalizado com a infraestrutura digital de ponta, o HAFC se posicionou como um participante distinto no cenário financeiro competitivo da Califórnia. Esse modelo abrangente de negócios revela como o banco alavanca parcerias estratégicas, segmentos de clientes direcionados e proposições de valor exclusivas para criar um ecossistema financeiro robusto e adaptável que serve pequenas e médias empresas com agilidade e precisão sem precedentes.

Hanmi Financial Corporation (HAFC) - Modelo de negócios: Parcerias -chave

Parcerias estratégicas com bancos regionais na Califórnia

No quarto trimestre 2023, a Hanmi Financial Corporation mantém parcerias estratégicas com bancos regionais em toda a Califórnia, com foco em redes colaborativas de empréstimos e serviços financeiros.

Banco Parceiro	Foco em parceria	Cobertura geográfica
Pacific Western Bank	Colaboração de empréstimos comerciais	Sul da Califórnia
Cisjordânia leste	Serviços de negócios de mercado cruzado	Bay Area e Los Angeles

Colaboração com a Administração de Pequenas Empresas (SBA)

A Hanmi Financial mantém uma parceria ativa de empréstimos da SBA com as seguintes métricas:

• Volume total de empréstimos da SBA em 2023: US $ 187,4 milhões
• Número de empréstimos SBA processados: 342
• Tamanho médio do empréstimo da SBA: US $ 547.664

Fornecedores de tecnologia para infraestrutura bancária digital

Fornecedor de tecnologia	Serviço prestado	Valor anual do contrato
Fiserv, Inc.	Plataforma bancária principal	US $ 3,2 milhões
Jack Henry & Associados	Soluções bancárias digitais	US $ 1,8 milhão

Associações comerciais locais e câmaras de comércio

Hanmi financeiro se envolve ativamente 17 Câmaras de comércio locais Em toda a Califórnia, apoiando iniciativas de redes de pequenas empresas e desenvolvimento econômico.

Relacionamentos bancários correspondentes

Instituição Financeira Nacional	Tipo de relacionamento	Volume da transação (2023)
Wells Fargo Bank	Banco de correspondente	US $ 426 milhões
Bank of America	Empréstimos interbancários	US $ 312 milhões

Hanmi Financial Corporation (HAFC) - Modelo de negócios: Atividades -chave

Empréstimos comerciais e de pequenas empresas

No quarto trimestre 2023, a Hanmi Financial Corporation registrou empréstimos totais de US $ 5,96 bilhões, com empréstimos imobiliários comerciais representando US $ 3,42 bilhões e empréstimos comerciais e industriais em US $ 1,34 bilhão.

Categoria de empréstimo	Valor total (US $ bilhões)	Porcentagem de portfólio de empréstimos
Empréstimos imobiliários comerciais	3.42	57.4%
Empréstimos comerciais e industriais	1.34	22.5%
Empréstimos ao consumidor	0.85	14.3%

Serviços de depósito e bancos

A Hanmi Financial Corporation manteve depósitos totais de US $ 6,83 bilhões em 31 de dezembro de 2023.

• Depósitos não com juros: US $ 1,97 bilhão
• Contas de corrente portadoras de juros: US $ 2,45 bilhões
• Depósitos no mercado de poupança e dinheiro: US $ 1,86 bilhão
• Depósitos de tempo: US $ 0,55 bilhão

Gerenciamento de riscos e avaliação de crédito

O banco manteve um taxa de empréstimo sem desempenho de 0,35% A partir do quarto trimestre 2023, com uma reserva total de perda de empréstimo de US $ 93,2 milhões.

Métrica de risco	Valor
Índice de carregamento líquido	0.12%
Índice de reserva de perda de empréstimo	1.56%
Índice de capital de camada 1	13.7%

Desenvolvimento da plataforma bancária digital

A Hanmi Financial investiu US $ 12,3 milhões em recursos de infraestrutura de tecnologia e bancos digitais em 2023.

• Usuários de aplicativos bancários móveis: 65.000
• Transações bancárias online por mês: 285.000
• Taxa de abertura da conta digital: 37%

Comunidade bancária e gerenciamento de relacionamento

A Hanmi Financial opera 40 filiais em toda a Califórnia, com foco em servir comunidades asiáticas -americanas e de pequenas empresas.

Localização da filial	Número de ramificações
Área metropolitana de Los Angeles	25
Área da baía de São Francisco	10
Outras regiões da Califórnia	5

Hanmi Financial Corporation (HAFC) - Modelo de negócios: Recursos -chave

Forte Rede Bancária Regional na Califórnia

A partir do quarto trimestre 2023, a Hanmi Financial Corporation opera 64 galhos bancários predominantemente localizado na Califórnia. A concentração geográfica do banco inclui:

Região	Número de ramificações	Porcentagem de rede
Área metropolitana de Los Angeles	38	59.4%
Área da baía de São Francisco	16	25%
Outras regiões da Califórnia	10	15.6%

Equipe de gerenciamento experiente

Composição da equipe de gerenciamento a partir de 2024:

• PRODIÇÃO EXECUTIVO Média: 12,5 anos
• Liderança com extensa experiência bancária em bancos comerciais e de varejo
• Executivos C-Suite com experiência média do setor de mais de 20 anos

Tecnologia Bancária Digital Avançada

Investimento de infraestrutura de tecnologia em 2023: US $ 8,2 milhões

Categoria de tecnologia	Valor do investimento
Plataformas bancárias digitais	US $ 3,6 milhões
Sistemas de segurança cibernética	US $ 2,5 milhões
Aplicativos bancários móveis	US $ 2,1 milhões

Capital financeiro robusto e reservas

Métricas financeiras a partir do quarto trimestre 2023:

• Total de ativos: US $ 8,9 bilhões
• TIER 1 Ratio de capital: 13.6%
• Total de rácio de capital baseado em risco: 15.2%
• Índice de cobertura de liquidez: 125%

Força de trabalho qualificada

Categoria de funcionários	Total de funcionários	Experiência média
Especialistas em empréstimos comerciais	127	9,3 anos
Profissionais bancários de varejo	246	7,5 anos
Tecnologia e operações	89	6,8 anos

Hanmi Financial Corporation (HAFC) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para pequenas e médias empresas

A partir do quarto trimestre de 2023, a Hanmi Financial Corporation registrou uma carteira total de empréstimos para pequenas empresas de US $ 1,37 bilhão, com 68% dos empréstimos abaixo de US $ 500.000 direcionados a pequenas e médias empresas (PMEs).

Categoria de empréstimo	Valor total do portfólio	Porcentagem de empréstimos para PME
Empréstimos para pequenas empresas	US $ 1,37 bilhão	68%
Imóveis comerciais	US $ 892 milhões	22%

Produtos de empréstimos competitivos com termos flexíveis

A Hanmi oferece taxas de juros competitivas que variam de 5,75% a 8,25% para empréstimos comerciais, com termos médios de empréstimo entre 36-84 meses.

• SBA 7 (a) Taxas de empréstimo: 5,75% - 6,50%
• Empréstimos a termos comerciais: 6,25% - 8,25%
• Tempo médio de processamento de empréstimo: 15-22 dias úteis

Tomada de decisão local e processamento rápido de empréstimos

Hanmi mantém 40 locais de filiais principalmente na Califórnia, com 92% das decisões de empréstimos tomadas nos mercados locais.

Métrica	Valor
Locais totais de ramificação	40
Decisões de empréstimos locais	92%
Tempo médio de aprovação do empréstimo	17 dias úteis

Experiência bancária digital abrangente

A plataforma bancária digital suporta 78.000 usuários on -line ativos com volume de transações bancárias móveis aumentando 22% em 2023.

• Usuários bancários móveis: 78.000
• Crescimento da transação digital: 22%
• Adoção de pagamento de conta on -line: 65%

Fortes serviços financeiros focados na comunidade

A Hanmi Financial serve predominantemente mercados americanos asiáticos, com 65% da base de clientes nas áreas metropolitanas da Califórnia.

Segmento de mercado	Percentagem
Base de clientes asiáticos -americanos	72%
Mercados metropolitanos da Califórnia	65%
Classificação da Lei de Reinvestimento Comunitário	Satisfatório

Hanmi Financial Corporation (HAFC) - Modelo de Negócios: Relacionamentos do Cliente

Abordagem bancária de relacionamento personalizada

A Hanmi Financial Corporation mantém 60 localizações de filiais de serviço completo em toda a Califórnia, servindo principalmente comunidades de negócios coreanas-americanas e multiculturais. A partir do quarto trimestre de 2023, o banco registrou 220.675 contas totais de clientes, com foco nas interações bancárias personalizadas.

Segmento de clientes	Número de contas	Valor médio da conta
Clientes de pequenas empresas	38,542	$287,650
Clientes bancários pessoais	182,133	$76,450

Gerentes de relacionamento dedicados para clientes de negócios

A Hanmi Financial fornece serviços especializados de gerenciamento de relacionamento com 87 gerentes dedicados de relacionamento bancário de negócios a partir de 2023.

• Portfólio médio de clientes por gerente de relacionamento: 442 contas de negócios
• Relacionamento médio do cliente de negócios Duração: 4,7 anos
• Taxa anual de retenção de clientes de negócios: 88,3%

Suporte bancário online e móvel

As plataformas bancárias digitais atendem a 72% da base de clientes da Hanmi Financial. Em 2023, o banco registrou 145.286 usuários de bancos digitais ativos.

Plataforma digital	Usuários totais	Usuários ativos mensais
Aplicativo bancário móvel	128,642	94,375
Banco on -line da web	145,286	112,456

Serviços regulares de consulta financeira

A Hanmi Financial oferece consultas financeiras gratuitas, com 12.845 consultas realizadas em 2023.

• Duração média da consulta: 47 minutos
• Tipos de consulta oferecidos:
  • Planejamento financeiro de negócios
  • Gestão de patrimônio pessoal
  • Estratégia de investimento
  • Serviços de consultoria em empréstimos

Eventos de envolvimento da comunidade e networking local

Em 2023, a Hanmi Financial hospedou 76 eventos de rede comunitária em toda a Califórnia, envolvendo aproximadamente 5.620 clientes de negócios e indivíduos.

Tipo de evento	Número de eventos	Total de participantes
Rede de negócios	42	3,275
Educação Financeira	34	2,345

Hanmi Financial Corporation (HAFC) - Modelo de Negócios: Canais

Rede de filial física na Califórnia

A partir de 2024, a Hanmi Financial Corporation opera 33 galhos de serviço completo, concentrado principalmente na Califórnia. A rede de filiais está estrategicamente localizada em áreas metropolitanas -chave, incluindo:

Região	Número de ramificações
Área metropolitana de Los Angeles	22
Área da baía de São Francisco	7
Área de San Diego	4

Plataforma bancária online

A plataforma bancária digital fornece serviços abrangentes com os seguintes recursos:

• Gerenciamento de contas
• Transferências de fundos
• Serviços de pagamento da conta
• Histórico de transações
• Declarações digitais

Aplicativo bancário móvel

Estatísticas bancárias móveis para a Hanmi Financial Corporation:

Métrica de aplicativo móvel	2024 dados
Downloads de aplicativos móveis totais	87,500
Usuários ativos mensais	62,300
Volume de transação móvel	US $ 215 milhões por trimestre

Centros de atendimento ao cliente

Detalhes operacionais de call center:

• Representantes totais de atendimento ao cliente: 124
• Tempo médio de manuseio de chamadas: 7,2 minutos
• Horário de atendimento ao cliente: 7:00 - 20:00 PST
• Idiomas suportados: inglês, coreano

Canais de comunicação digital

Métricas da plataforma de comunicação digital:

Canal	Métricas de engajamento
Tráfego do site	425.000 visitantes mensais
Comunicação por e -mail	92.500 assinantes de e -mail ativos
Seguidores de mídia social	LinkedIn: 18.700 Facebook: 12.400

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

Pequenas e médias empresas

A partir do quarto trimestre de 2023, a Hanmi Financial atende aproximadamente 3.750 clientes comerciais pequenos e médios na Califórnia. Portfólio total de empréstimos comerciais para este segmento: US $ 1,2 bilhão.

Aparelhamento do segmento de negócios	Número de clientes	Volume total de empréstimos
Negócios de varejo	1,250	US $ 425 milhões
Indústrias de Serviço	1,100	US $ 375 milhões
Fabricação	850	US $ 285 milhões
Empresas de tecnologia	550	US $ 115 milhões

Empresas comerciais locais

Base de clientes da empresa comercial local: 2.100 empresas no sul da Califórnia. Tamanho médio do empréstimo: US $ 750.000.

• Concentração geográfica: Condado de Los Angeles (65%)
• Orange County (25%)
• Condado de San Diego (10%)

Provedores de serviços profissionais

O segmento de provedores de serviços profissionais totaliza 1.450 clientes, com US $ 275 milhões em empréstimos totais.

Categoria profissional	Contagem de clientes	Volume de empréstimo
Empresas jurídicas	425	US $ 85 milhões
Práticas médicas	550	US $ 110 milhões
Empresas de contabilidade	275	US $ 50 milhões
Grupos de consultoria	200	US $ 30 milhões

Clientes bancários individuais na Califórnia

Total de clientes bancários individuais: 87.500. Base de depósito: US $ 2,3 bilhões.

• Contas de corrente pessoal: 52.300
• Contas de poupança: 35.200
• Saldo médio da conta do cliente: US $ 26.500

Empresários e empresas iniciantes

Segmento de inicialização e empreendedor: 650 clientes ativos. Volume total de empréstimos para startups: US $ 95 milhões.

Indústria de startups	Contagem de clientes	Volume de empréstimo
Tecnologia	275	US $ 45 milhões
Biotech	125	US $ 25 milhões
Comércio eletrônico	150	US $ 15 milhões
Outros setores	100	US $ 10 milhões

Hanmi Financial Corporation (HAFC) - Modelo de negócios: estrutura de custos

Salários e benefícios dos funcionários

A partir do quarto trimestre de 2023, a Hanmi Financial Corporation registrou despesas totais de remuneração de funcionários de US $ 98,4 milhões no ano. A quebra da compensação inclui:

Categoria de compensação	Valor ($)
Salários da base	68,200,000
Bônus de desempenho	12,600,000
Benefícios de saúde	9,800,000
Contribuições de aposentadoria	7,800,000

Manutenção de infraestrutura de tecnologia

Os custos de infraestrutura tecnológica da Hanmi Financial em 2023 totalizaram US $ 22,5 milhões, que incluem:

• Manutenção de sistemas de TI: US $ 8.700.000
• Investimentos de segurança cibernética: US $ 5.600.000
• Licenciamento de software: US $ 4.200.000
• Atualizações de hardware: US $ 4.000.000

Despesas de operação de ramificação

Os custos operacionais relacionados à filial para 2023 totalizaram US $ 35,6 milhões:

Categoria de despesa	Valor ($)
Aluguel e instalações	15,300,000
Utilitários	5,800,000
Equipamento de ramificação	7,200,000
Apoio à equipe da filial	7,300,000

Custos de conformidade regulatória

As despesas de conformidade para 2023 foram de US $ 16,2 milhões, distribuídas da seguinte forma:

• Equipe legal e de conformidade: US $ 6.500.000
• Auditoria e relatórios: US $ 4.300.000
• Treinamento regulatório: US $ 2.700.000
• Tecnologia de conformidade: US $ 2.700.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 totalizaram US $ 12,3 milhões:

Canal de marketing	Valor ($)
Marketing digital	4,900,000
Publicidade tradicional	3,700,000
Patrocínio da comunidade	2,100,000
Campanhas de aquisição de clientes	1,600,000

Hanmi Financial Corporation (HAFC) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos comerciais

A partir do quarto trimestre de 2023, a Hanmi Financial Corporation registrou receita de juros líquidos de US $ 127,4 milhões. A carteira total de empréstimos foi avaliada em US $ 4,76 bilhões, com empréstimos comerciais representando uma parcela significativa desse valor.

Categoria de empréstimo	Montante total	Porcentagem de portfólio
Empréstimos imobiliários comerciais	US $ 2,93 bilhões	61.6%
Comercial & Empréstimos industriais	US $ 1,24 bilhão	26.1%

Serviços bancários baseados em taxas

Em 2023, a Hanmi Financial gerou US $ 35,2 milhões em receita não de juros de serviços baseados em taxas.

• Cobranças de serviço da conta de depósito: US $ 12,6 milhões
• Taxas de transação em caixas eletrônicos e de débito: US $ 8,7 milhões
• Taxas de cheque especial: US $ 4,9 milhões

Taxas de originação de empréstimo SBA

O Hanmi Bank se originou US $ 287,4 milhões em empréstimos da SBA durante 2023, gerando aproximadamente US $ 14,3 milhões nas taxas de originação de empréstimos da SBA.

Serviços de conta de depósito

Base total de depósito em 31 de dezembro de 2023: US $ 5,91 bilhões

Tipo de depósito	Montante total	Taxa de juro
Depósitos de rolamento não interessantes	US $ 1,47 bilhão	0%
Verificação por juros	US $ 2,39 bilhões	1.85%
Contas de poupança	US $ 1,25 bilhão	2.15%

Serviços de investimento e gerenciamento de patrimônio

Ativos sob gestão (AUM) para serviços de gerenciamento de patrimônio: US $ 612 milhões

• Taxas de consultoria de investimento: US $ 7,6 milhões
• Gerenciamento de contas de aposentadoria: US $ 4,2 milhões
• Serviços de confiança e planejamento imobiliário: US $ 3,1 milhões

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.