# EDGAR Filing Document

**Accession Number:** 0001128361
**File Stem:** 0001128361-25-000033
**Filing Date:** 2025-7
**Character Count:** 106878
**Document Hash:** b33529025e6bf24aa7b62fd796b1803d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001128361-25-000033.hdr.sgml**: 20250722

**ACCESSION NUMBER**: 0001128361-25-000033

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 36

**CONFORMED PERIOD OF REPORT**: 20250722

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250722

**DATE AS OF CHANGE**: 20250722

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HOPE BANCORP INC
- **CENTRAL INDEX KEY:** 0001128361
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 954849715
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-50245
- **FILM NUMBER:** 251138667

**BUSINESS ADDRESS:**
- **STREET 1:** 3200 WILSHIRE BLVD
- **STREET 2:** SUITE 1400
- **CITY:** LOS ANGELES
- **STATE:** CA
- **ZIP:** 90010
- **BUSINESS PHONE:** 2136391700

**MAIL ADDRESS:**
- **STREET 1:** 3200 WILSHIRE BLVD
- **STREET 2:** SUITE 1400
- **CITY:** LOS ANGELES
- **STATE:** CA
- **ZIP:** 90010

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BBCN BANCORP INC
- **DATE OF NAME CHANGE:** 20111207

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NARA BANCORP INC
- **DATE OF NAME CHANGE:** 20001115

?xml version='1.0' encoding='ASCII'? hope-20250722

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K** 

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934**

**July 22, 2025**

Date of Report (Date of earliest event reported)

---

| |
|:---|
| **HOPE BANCORP INC** |
| **(Exact name of registrant as specified in its charter)** |

---

---

| | | |
|:---|:---|:---|
| **Delaware** | **000-50245** | **95-4849715** |
| (State of incorporation) | (Commission File Number) | (I.R.S. Employer Identification No.) |

---

**3200 Wilshire Boulevard, Suite 1400** 

**Los Angeles, California 90010** 

(Address of principal executives offices, including zip code)

**(213) 639-1700** 

(Registrant's telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Common Stock** | **,** | **par value $0.001 per share** | **HOPE** | **NASDAQ Global Select Market** |
| (Title of class) | (Title of class) | (Title of class) | (Trading Symbol) | (Name of exchange on which registered) |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

------

**Item 2.02 Results of Operations and Financial Condition.**

On July 22, 2025, Hope Bancorp, Inc. ("HOPE" or the "Company") issued a news release concerning its results of operations and financial condition for the second quarter and six months ended and as of June 30, 2025. A copy of the July 22, 2025, news release is furnished as Exhibit 99.1 and incorporated herein by reference.

**Item 7.01. Regulation FD Disclosure** 

The Company previously announced that it will host an investor conference call on Tuesday, July 22, 2025, at 9:30 a.m. Pacific Time / 12:30 p.m. Eastern Time to review financial results for its second quarter ended and as of June 30, 2025. A presentation to accompany the conference call ("Earnings Presentation"), which contains certain historical and forward-looking information relating to the Company, has been made available at the Investor Relations section of Hope Bancorp's website at www.ir-hopebancorp.com. A copy of the Earnings Presentation is furnished as Exhibit 99.2 and incorporated herein by reference.

The information furnished under Item 2.02, Item 7.01 and exhibits 99.1, and 99.2 under Item 9.01 of this Current Report on Form 8-K shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act") or otherwise subject to liabilities under that Section, nor shall they be deemed incorporated by reference in any registration statement or other filings of the Company under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be set forth as a specific reference in such filing.

**Item 8.01 Other Events.**

On July 22, 2025, the Company issued a news release announcing that its Board of Directors declared a quarterly cash dividend of $0.14 per common share. The cash dividend is payable on or about August 15, 2025, to all stockholders of record as of the close of business on August 1, 2025. A copy of the July 22, 2025, news release is furnished as Exhibit 99.3 and is incorporated herein by reference.

**Item 9.01 Financial Statements and Exhibits**

(d) Exhibits

---

| | |
|:---|:---|
| Exhibit No. | Description of Exhibit |
| 99.1 | <u>[News release, dated July 22, 2025, concerning the results of operations and financial condition for the second quarter ended and as of June 30, 2025.](hope-06302025ex991financia.htm)</u> |
| 99.2 | <u>[2025 Second Quarter Earnings Presentation, dated July 22, 2025.](a2q25hopeccdeck.htm)</u> |
| 99.3 | <u>[News release, dated July 22, 2025, announcing the declaration of a quarterly cash dividend.](hope-06302025ex993q22025di.htm)</u> |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

------

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| | | **HOPE BANCORP, INC.** |
| Date: July 22, 2025 | By: | */s/ Kevin S. Kim* |
|  |  | Kevin S. Kim |
|  |  | Chairman, President and Chief Executive Officer |

---

## Exhibit 99.1

![hb_logoxhorizxgradientxrgba.jpg](hb_logoxhorizxgradientxrgba.jpg)

**News Release**

**HOPE BANCORP REPORTS 2025 SECOND QUARTER FINANCIAL RESULTS**

**LOS ANGELES** – July 22, 2025 – Hope Bancorp, Inc. (the "Company") (NASDAQ: HOPE), the holding company of Bank of Hope (the "Bank"), today reported unaudited financial results for its second quarter ended June 30, 2025.

For the three months ended June 30, 2025, the Company recorded a net loss of $27.9 million, or $(0.22) per diluted common share, which reflected the impact of a securities portfolio repositioning, the completion of the Territorial Bancorp Inc. ("Territorial") transaction, and a change to the California state tax apportionment law. Excluding notable items<sup>(1)</sup>, net income for the second quarter of 2025 was $24.5 million, or $0.19 per diluted common share.

In comparison, for the three months ended March 31, 2025, the Company recorded net income of $21.1 million, or $0.17 per diluted common share, and net income of $22.9 million, or $0.19 per diluted common share, excluding notable items.

As previously reported, the Company completed its acquisition of Honolulu-based Territorial, the holding company of Territorial Savings Bank, effective April 2, 2025. In addition, the Company repositioned a portion of its legacy investment securities portfolio available for sale ("AFS") in June 2025. Accordingly, notable items in the 2025 second quarter totaled $52.4 million after tax, comprising the net loss on sales of securities related to the investment securities repositioning, merger-related items, and a one-time impact of a change in California's state tax apportionment law that was signed on June 27, 2025.

"The second quarter of 2025 was a milestone quarter for Hope Bancorp as we completed the acquisition of Territorial Bancorp Inc. and expanded into the strategically important market of Hawaii," said Kevin S. Kim, Chairman, President and Chief Executive Officer. "Quarter-over-quarter, our net interest income grew 17% in the second quarter, our net interest margin expanded 15 basis points, and our net income, excluding notable items, increased 7%. Strengthening organic production and the addition of Territorial's residential mortgage loans contributed to strong loan growth and further diversification of our loan portfolio. With the inclusion of Territorial's lower-cost deposit base, we saw meaningful reductions in our cost of deposits.

"In addition, we sold a portion of our legacy investment securities portfolio in June 2025 as part of a strategic repositioning to help improve the Company's future earnings and profitability. This transaction will contribute approximately $12 million to our interest income on an annual basis.

"We continue to maintain strong levels of capital and ample liquidity, and we believe we are better positioned than ever to capitalize on growth opportunities as the largest regional bank catering to multicultural customers across the continental United States and Hawaii," concluded Kim.

**<u>Operating Results for the 2025 Second Quarter</u>**

***Net interest income and net interest margin.*** Net interest income before provision for credit losses for the 2025 second quarter totaled $117.5 million, an increase of $16.7 million, or 17%, when compared with $100.8 million in the immediately preceding first quarter. Net interest margin for the 2025 second quarter expanded by 15 basis points to 2.69%, up from 2.54% for the 2025 first quarter. The increase in net interest income was primarily driven by average loan growth of 7%, which reflected the addition of Territorial and positive loan growth from the Hope legacy loan portfolio. The net interest margin expansion also reflected a 37 basis point reduction in the cost of average interest bearing deposits, which decreased to 3.77% in the 2025 second quarter, down from 4.14% in the 2025 first quarter. The cost of average total deposits was 2.96% in the 2025 second quarter, down 22 basis points from the immediately preceding first quarter. The improvement in the cost of deposits primarily reflected the impact of the Territorial acquisition and continued reduction of higher-cost deposits.

<sup>(1)</sup> &nbsp;&nbsp;&nbsp;&nbsp;Net income excluding notable items is a non-GAAP financial measure. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 to 12.

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2-2-2&nbsp;&nbsp;&nbsp;&nbsp;NASDAQ: HOPE

***Noninterest income.*** For the 2025 second quarter, noninterest income totaled $(23.0) million, which included a net loss on sales of legacy securities AFS of $38.9 million, pre-tax, related to the investment securities portfolio repositioning executed in June 2025. The securities portfolio repositioning is expected to contribute approximately $12 million to the Company's interest income on an annual basis.

Excluding the net loss on sales of legacy securities AFS, which the Company considers a notable item, noninterest income<sup>(2)</sup> for the 2025 second quarter was $15.9 million, compared with $15.7 million in the immediately preceding first quarter. Quarter-over-quarter, customer swap fee income, which is included in other income and fees, increased by $1.0 million, reflecting increased customer demand. First quarter 2025 other income included a favorable valuation mark of $1.7 million related to other non-SBA loans sold, which did not recur. The Company recorded net gains on the sale of SBA loans of $4.0 million in the 2025 second quarter, compared with $3.1 million in the preceding first quarter. In the second quarter of 2025, the Company sold $67.4 million of SBA loans, compared with $49.9 million in the immediately preceding first quarter.

***Noninterest expense.*** Noninterest expense for the 2025 second quarter totaled $109.5 million. Excluding notable items, which consisted primarily of merger-related expenses, noninterest expense<sup>(2)</sup> for the 2025 second quarter was $92.2 million. This compares with noninterest expense of $83.9 million, or $81.3 million excluding notable items, in the immediately preceding first quarter. The quarter-over-quarter increase in noninterest expense primarily reflected the addition of the Territorial franchise to ongoing operations. The efficiency ratio, excluding notable items<sup>(2)</sup>, improved quarter-over-quarter to 69.1% for the 2025 second quarter, compared with 69.8% for the 2025 first quarter.

***Income tax provision (benefit) and tax rate.*** For the 2025 second quarter, the Company recognized an income tax benefit of $(2.0) million, reflecting the reported GAAP net loss in the quarter, compared with a provision for income tax of $6.7 million for the 2025 first quarter. During the second quarter of 2025, income tax expense was negatively impacted by a deferred tax asset remeasurement of $4.9 million resulting from a change in California's state tax apportionment law that was signed on June 27, 2025, and which became effective for tax years beginning on or after January 1, 2025. This change in the tax law will serve to lower the Company's ongoing effective tax rate by approximately 1%. The $4.9 million discrete item is included in the GAAP reconciliation tables on Table Pages 10 to 12 as a notable, non-recurring expense in the quarter. For the second quarter of 2025, the reported GAAP effective tax rate was 6.7%, or 20.1% excluding notable items<sup>(2)</sup>, compared with an effective tax rate of 24.2% in the first quarter of 2025.

**<u>Balance Sheet Summary</u>**

***Cash and investment securities.*** At June 30, 2025, cash and due from banks totaled $689.7 million, compared with $733.5 million at March 31, 2025. As of the close of the acquisition of Territorial, Territorial had $86.7 million in cash and cash equivalents.

Investment securities totaled $2.27 billion at June 30, 2025, and $2.09 billion at March 31, 2025. The investment securities portfolio acquired from Territorial was sold on April 2, 2025, at the close of the acquisition, at a market value of $535.2 million, with no gain or loss impact to the Company. The excess cash from the Territorial securities sale was redeployed into investment securities throughout the quarter, contributing to the quarter-over-quarter growth in investment securities AFS.

As previously announced, the Company sold a portion of its legacy investment securities portfolio AFS in June 2025 as part of a strategic repositioning. The Company sold investment securities AFS with a fair value of $417.9 million and an aggregate weighted average book yield of 2.33%, consisting of lower-yielding mortgage-backed securities, collateralized mortgage obligations, municipal securities, and corporate bonds. Net proceeds from the sale of the legacy investment securities AFS were redeployed to purchase higher-yielding agency securities, mortgage-backed securities, and collateralized loan obligations, with an aggregate average current market yield of 5.42%.

<sup>(2)</sup> &nbsp;&nbsp;&nbsp;&nbsp;Noninterest income excluding notable items, noninterest expense excluding notable items, efficiency ratio excluding notable items, and effective tax rate excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 to 12.

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3-3-3&nbsp;&nbsp;&nbsp;&nbsp;NASDAQ: HOPE

***Loans.*** At June 30, 2025, loans receivable, which excludes loans held for sale, totaled $14.43 billion, an increase of 8% from $13.34 billion at March 31, 2025. As of the close of the acquisition of Territorial, Territorial's loans receivable totaled $1.07 billion after acquisition accounting discounts. Together with strong sequential growth in Hope's legacy residential mortgage portfolio, residential mortgage loans increased 96% from March 31, 2025. As a result, residential mortgage and other loans grew to represent 16% of the Company's loan mix at June 30, 2025, compared with 9% at March 31, 2025.

The following table sets forth the loan portfolio composition at June 30, 2025, March 31, 2025, and June 30, 2024:

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **6/30/2025** | **6/30/2025** | **3/31/2025** | **3/31/2025** | **6/30/2024** | **6/30/2024** |
|  | **Balance** | **Percentage** | **Balance** | **Percentage** | **Balance** | **Percentage** |
| Commercial real estate ("CRE") loans | $8385764 | 58.0% | $8377106 | 62.8% | $8679515 | 63.6% |
| Commercial and industrial ("C&I") loans | 3725295 | 25.8% | 3756046 | 28.2% | 3854284 | 28.3% |
| Residential mortgage and other loans | 2323728 | 16.1% | 1202142 | 9.0% | 1033203 | 7.6% |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans receivable | 14434787 | 99.9% | 13335294 | 100.0% | 13567002 | 99.5% |
| Loans held for sale | 12051 | 0.1% | 183 | —% | 68316 | 0.5% |
| &nbsp;&nbsp;&nbsp;&nbsp;Gross loans | $14446838 | 100.0% | $13335477 | 100.0% | $13635318 | 100.0% |

---

***Deposits.*** Total deposits of $15.94 billion at June 30, 2025, increased 10% quarter-over-quarter from $14.49 billion at March 31, 2025, reflecting the impact of the Territorial acquisition. As of the close of the acquisition of Territorial, Territorial's deposits totaled $1.67 billion after acquisition accounting adjustments, with a weighted average cost of deposits of 1.98%. During the 2025 second quarter, the Company continued to reduce its brokered deposit balances, which decreased $183.2 million, down 19% quarter-over-quarter. As of June 30, 2025, brokered deposits totaled $797.1 million, representing 5% of total deposits, which compares favorably with 7% as of March 31, 2025, and 9% as of June 30, 2024.

The following table sets forth the deposit composition at June 30, 2025, March 31, 2025, and June 30, 2024:

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **6/30/2025** | **6/30/2025** | **3/31/2025** | **3/31/2025** | **6/30/2024** | **6/30/2024** |
|  | **Balance** | **Percentage** | **Balance** | **Percentage** | **Balance** | **Percentage** |
| Noninterest bearing demand deposits | $3485502 | 21.9% | $3362842 | 23.2% | $3671192 | 24.9% |
| Money market, interest bearing demand, and savings deposits | 6102999 | 38.3% | 5410471 | 37.3% | 4907860 | 33.4% |
| Time deposits | 6354854 | 39.8% | 5715006 | 39.5% | 6132419 | 41.7% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits | $15943355 | 100.0% | $14488319 | 100.0% | $14711471 | 100.0% |
| &nbsp;&nbsp;&nbsp;&nbsp;Gross loan-to-deposit ratio |  | 90.6% |  | 92.0% |  | 92.7% |

---

***Borrowings.*** Federal Home Loan Bank and Federal Reserve Bank borrowings decreased to $29.8 million at June 30, 2025, from $100.0 million at March 31, 2025, largely reflecting the payoff of borrowings that matured during the quarter. As of the close of the acquisition of Territorial, Territorial's Federal Home Loan Bank borrowings totaled $160.8 million, of which $126.2 million was paid off effective April 2, 2025.

**<u>Credit Quality and Allowance for Credit Losses</u>**

***Criticized loans.*** Criticized loans decreased $34.0 million, or 8%, to $414.7 million at June 30, 2025, down from $448.7 million at March 31, 2025. This includes a 26% decrease in special mention loans, which were down by $47.3 million quarter-over-quarter. The criticized loans to total loans ratio improved to 2.87% at June 30, 2025, down from 3.36% at March 31, 2025.

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4-4-4&nbsp;&nbsp;&nbsp;&nbsp;NASDAQ: HOPE

***Nonperforming assets.*** Nonperforming assets were $112.9 million, or 0.61% of total assets, at June 30, 2025, compared with $83.9 million, or 0.49% of total assets, at March 31, 2025. The quarter-over-quarter change was largely driven by the migration of one commercial real estate loan that is well secured by collateral property in a prime location. As of the close of the acquisition of Territorial, Territorial's nonperforming assets amounted to $1.3 million, after acquisition accounting adjustments.

The following table sets forth the components of nonperforming assets at June 30, 2025, March 31, 2025, and June 30, 2024:

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| | | | |
|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **6/30/2025** | **3/31/2025** | **6/30/2024** |
| Loans on nonaccrual status <sup>(1)</sup> | $110739 | $83808 | $67003 |
| Accruing delinquent loans past due 90 days or more | 2149 | 98 | 273 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total nonperforming loans | 112888 | 83906 | 67276 |
| Other real estate owned |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total nonperforming assets | $112888 | $83906 | $67276 |
| Nonperforming assets/total assets | 0.61% | 0.49% | 0.39% |

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<sup>_____________________________________</sup>

<sup>(1)</sup> &nbsp;&nbsp;&nbsp;&nbsp;Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.3 million, $11.8 million and $11.2 million at June 30, 2025, March 31, 2025, and June 30, 2024, respectively.

***Net charge offs.*** The Company recorded net charge offs of $12.0 million in the 2025 second quarter, equivalent to 0.33%, annualized, of average loans. This compares with net charge offs of $8.3 million, or 0.25%, annualized, of average loans in the immediately preceding first quarter.

***Allowance for credit losses.*** The allowance for credit losses totaled $149.5 million at June 30, 2025, compared with $147.4 million at March 31, 2025. The allowance coverage ratio was 1.04% of loans receivable at June 30, 2025, compared with 1.11% at March 31, 2025. The change in the allowance coverage ratio largely reflects the impact of the Territorial acquisition, which added $1.07 billion of loans with pristine asset quality.

The following table sets forth the allowance for credit losses and the coverage ratios at June 30, 2025, March 31, 2025, and June 30, 2024:

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| | | | |
|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **6/30/2025** | **3/31/2025** | **6/30/2024** |
| Allowance for credit losses | $149505 | $147412 | $156019 |
| Allowance for credit losses/loans receivable | 1.04% | 1.11% | 1.15% |

---

***Provision for credit losses.*** For the 2025 second quarter, the Company recorded a provision for credit losses of $15.0 million. This included $4.5 million of merger-related provision expenses that the Company considered a notable item, and which comprised $3.9 million of Day 1 provision for Territorial loans at acquisition close and a $0.6 million net write-off related to the exit of Bank of Hope's legacy credit card portfolio. With the acquisition of Territorial, the Company adopted Territorial's white-label credit card program.

Excluding notable items<sup>(3)</sup>, the provision for credit losses for the 2025 second quarter was $10.5 million, which included $1.0 million of provision for unfunded loan commitments. This compares with a provision for credit losses of $4.8 million for the 2025 first quarter, which included a $0.4 million release of reserves for unfunded loan commitments. The quarter-over-quarter increase in the provision for credit losses, excluding notable items, largely reflected net charge offs in the 2025 second quarter, as well as a quarter-over-quarter increase in the allowance for unfunded loan commitments.

<sup>(3)</sup> &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses excluding notable items is a non-GAAP financial measure. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 to 12.

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5-5-5&nbsp;&nbsp;&nbsp;&nbsp;NASDAQ: HOPE

**<u>Capital</u>**

At June 30, 2025, the Company and the Bank's strong capital ratios continued to exceed all regulatory capital requirements generally required to meet the definition of a "well-capitalized" financial institution. The quarter-over-quarter change in capital ratios primarily reflected the impact of the Territorial acquisition.

The following table sets forth the capital ratios for the Company at June 30, 2025, March 31, 2025, and June 30, 2024:

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| | | | | |
|:---|:---|:---|:---|:---|
| *(unaudited)* | **6/30/2025** | **3/31/2025** | **6/30/2024** | **Minimum Guideline for "Well-Capitalized"** |
| Common Equity Tier 1 Capital Ratio | 12.06% | 13.28% | 12.70% | 6.50% |
| Tier 1 Capital Ratio | 12.76% | 14.02% | 13.40% | 8.00% |
| Total Capital Ratio | 13.76% | 15.06% | 14.41% | 10.00% |
| Leverage Ratio | 10.57% | 11.92% | 11.61% | 5.00% |

---

At June 30, 2025, total stockholders' equity was $2.22 billion, an increase of 3% when compared with $2.16 billion at March 31, 2025. Tangible common equity ("TCE") per share<sup>(4)</sup> was $13.26 at June 30, 2025, compared with $13.99 at March 31, 2025. The TCE ratio was 9.43% at June 30, 2025, compared with 10.20% at March 31, 2025.

The following table sets forth the TCE per share and the TCE ratio at June 30, 2025, March 31, 2025, and June 30, 2024. The quarter-over-quarter changes between June 30, 2025, and March 31, 2025, primarily reflected the impact of the Territorial acquisition.

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| | | | |
|:---|:---|:---|:---|
| *(unaudited)* | **6/30/2025** | **3/31/2025** | **6/30/2024** |
| TCE per share | $13.26 | $13.99 | $13.61 |
| TCE ratio | 9.43% | 10.20% | 9.72% |

---

Pursuant to the Territorial merger agreement, on April 2, 2025, Territorial shareholders received 0.8048 shares of Hope Bancorp common stock in exchange for each share of Territorial common stock; accordingly, the Company issued 6,976,754 shares, or $73.3 million of equity, as part of the transaction.

**Investor Conference Call**

The Company previously announced that it will host an investor conference call on Tuesday, July 22, 2025, at 9:30 a.m. Pacific Time / 12:30 p.m. Eastern Time to review unaudited financial results for its second quarter ended June 30, 2025. Investors and analysts are invited to access the conference call by dialing 866-235-9917 (domestic) or 412-902-4103 (international) and asking for the "Hope Bancorp Call." A presentation to accompany the earnings call will be available at the Investor Relations section of Hope Bancorp's website at www.ir-hopebancorp.com. Other interested parties are invited to listen to a live webcast of the call available at the Investor Relations section of Hope Bancorp's website. After the live webcast, a replay will remain available at the Investor Relations section of Hope Bancorp's website for at least one year. A telephonic replay of the call will be available at 877-344-7529 (domestic) or 412-317-0088 (international) for one week through July 29, 2025, replay access code 5724457.

<sup>(4)&nbsp;&nbsp;&nbsp;&nbsp;</sup>TCE per share is a non-GAAP financial measure. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 to 12.

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6-6-6&nbsp;&nbsp;&nbsp;&nbsp;NASDAQ: HOPE

**Non-GAAP Financial Metrics**

This news release and accompanying financial tables contain certain non-GAAP financial measure disclosures, including net income excluding notable items, earnings per share excluding notable items, noninterest income excluding notable items, noninterest expense excluding notable items, provision for credit losses excluding notable items, efficiency ratio excluding notable items, effective tax rate excluding notable items, PPNR, PPNR excluding notable items, ROA excluding notable items, ROE excluding notable items, ROTCE, ROTCE excluding notable items, TCE per share and TCE ratio. Management believes these non-GAAP financial measures provide meaningful supplemental information regarding the Company's operational performance and the Company's capital levels and has included these figures in response to market participant interest in these financial metrics. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 through 12.

**About Hope Bancorp, Inc.**

Hope Bancorp, Inc. (NASDAQ: HOPE) is the holding company of Bank of Hope, the only regional Korean American bank in the United States, with $18.55 billion in total assets as of June 30, 2025. With the addition of Territorial Savings, a division of Bank of Hope, effective April 2, 2025, the Company became the largest regional bank catering to multicultural customers across the continental United States and Hawaii. Headquartered in Los Angeles, the Bank provides a full suite of commercial, corporate and consumer loans, deposit and fee-based products and services, including commercial and commercial real estate lending, SBA lending, residential mortgage and other consumer lending; treasury management services, foreign currency exchange solutions, interest rate derivative products, and international trade financing, among others. The Bank operates 46 full-service branches in California, New York, New Jersey, Washington, Texas, Illinois, New York, New Jersey, Alabama and Georgia under the Bank of Hope banner, and 29 branches in Hawaii under the Territorial Savings banner. The Bank also operates SBA loan production offices, commercial loan production offices, and residential mortgage loan production offices throughout the United States, and a representative office in Seoul, South Korea. Bank of Hope is a California-chartered bank, and its deposits are insured by the FDIC to the extent provided by law. Bank of Hope is an Equal Opportunity Lender. For additional information, please go to www.bankofhope.com for Bank of Hope and www.tsbhawaii.bank for Territorial Savings, a division of Bank of Hope. By including the foregoing website address links, the Company does not intend to and shall not be deemed to incorporate by reference any material contained or accessible therein.

(more)

------

7-7-7&nbsp;&nbsp;&nbsp;&nbsp;NASDAQ: HOPE

**Forward-Looking Statements**

*Some statements in this news release may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements include, but are not limited to, statements preceded by, followed by or that include the words "will," "believes," "expects," "anticipates," "intends," "plans," "estimates" and similar expressions. With respect to any such forward-looking statements, Hope Bancorp claims the protection provided for in the Private Securities Litigation Reform Act of 1995. These statements involve risks and uncertainties. Hope Bancorp's actual results, performance or achievements may differ significantly from the results, performance or achievements expressed or implied in any forward-looking statements. With the consummation of the acquisition of Territorial Bancorp, factors that may cause actual outcomes to differ from what is expressed or forecasted in these forward-looking statements include, among things: difficulties and delays in integrating Hope Bancorp and Territorial Bancorp and achieving anticipated synergies, cost savings and other benefits from the transaction; higher than anticipated transaction costs; and deposit attrition, operating costs, customer loss and business disruption following the acquisition, including difficulties in maintaining relationships with employees and customers, may be greater than expected. Other risks and uncertainties include, but are not limited to: possible renewed deterioration in economic conditions in Hope Bancorp's areas of operation or elsewhere; interest rate risk associated with volatile interest rates and related asset-liability matching risk; liquidity risks; risk of significant non-earning assets, and net credit losses that could occur, particularly in times of weak economic conditions or times of rising interest rates; the failure of or changes to assumptions and estimates underlying Hope Bancorp's allowances for credit losses; potential increases in deposit insurance assessments and regulatory risks associated with current and future regulations; the outcome of any legal proceedings that may be instituted against Hope Bancorp; the impact of U.S. and global trade policies and tensions, including changes in, or the imposition of, tariffs and/or trade barriers and the economic impacts, volatility and uncertainty resulting therefrom, and geopolitical instability; and risks from natural disasters. For additional information concerning these and other risk factors, see Hope Bancorp's most recent Annual Report on Form 10-K. Hope Bancorp does not undertake, and specifically disclaims any obligation, to update any forward-looking statements to reflect the occurrence of events or circumstances after the date of such statements except as required by law.*

**Contacts:**

---

| | |
|:---|:---|
| Julianna Balicka | Angie Yang |
| EVP & Chief Financial Officer | SVP, Director of Investor Relations  |
| 213-235-3235 | 213-251-2219 |
| <u>julianna.balicka@bankofhope.com</u>  | <u>angie.yang@bankofhope.com</u> |

---

\# \# \#

(tables follow)

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands, except share data)*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Assets:** | **6/30/2025** | **3/31/2025** | % change | **6/30/2024** | % change |
| Cash and due from banks | $689734 | $733482 | (6)% | $654044 | 5% |
| Investment securities | 2268889 | 2088586 | 9% | 2172859 | 4% |
| Federal Home Loan Bank ("FHLB") stock and other investments | 106752 | 103486 | 3% | 61528 | 74% |
| Gross loans, including loans held for sale | 14446838 | 13335477 | 8% | 13635318 | 6% |
| Allowance for credit losses | (149505) | (147412) | 1% | (156019) | (4)% |
| Accrued interest receivable | 53589 | 49986 | 7% | 57645 | (7)% |
| Premises and equipment, net | 69141 | 52296 | 32% | 50919 | 36% |
| Goodwill and intangible assets | 525428 | 466405 | 13% | 467583 | 12% |
| Other assets | 536151 | 386010 | 39% | 431214 | 24% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total assets | $18547017 | $17068316 | 9% | $17375091 | 7% |
| **Liabilities:** |  |  |  |  |  |
| Deposits | $15943355 | $14488319 | 10% | $14711471 | 8% |
| FHLB and Federal Reserve Bank ("FRB") borrowings | 29752 | 100000 | (70)% | 170000 | (82)% |
| Subordinated debentures and convertible notes, net | 110263 | 109921 | —% | 108918 | 1% |
| Accrued interest payable | 72004 | 81436 | (12)% | 86779 | (17)% |
| Other liabilities | 167526 | 128607 | 30% | 186641 | (10)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total liabilities | $16322900 | $14908283 | 9% | $15263809 | 7% |
| **Stockholders' Equity:** |  |  |  |  |  |
| Common stock, $0.001 par value | $146 | $138 | 6% | $138 | 6% |
| Additional paid-in capital | 1520129 | 1445153 | 5% | 1440963 | 5% |
| Retained earnings | 1139913 | 1185721 | (4)% | 1167978 | (2)% |
| Treasury stock, at cost | (264667) | (264667) | —% | (264667) | —% |
| Accumulated other comprehensive loss, net | (171404) | (206312) | 17% | (233130) | 26% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total stockholders' equity | 2224117 | 2160033 | 3% | 2111282 | 5% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and stockholders' equity | $18547017 | $17068316 | 9% | $17375091 | 7% |
| Common stock shares – authorized | 300000000 | 300000000 |  | 300000000 |  |
| Common stock shares – outstanding | 128124458 | 121074988 |  | 120731342 |  |
| Treasury stock shares | 17382835 | 17382835 |  | 17382835 |  |

---

Table Page 1

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands, except share and per share data)*

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Six Months Ended** | **Six Months Ended** | **Six Months Ended** |
| | **6/30/2025** | **3/31/2025** | % change | **6/30/2024** | % change | **6/30/2025** | **6/30/2024** | % change |
| &nbsp;&nbsp;Interest and fees on loans | $211441 | $194961 | 8% | $209683 | 1% | $406402 | $423309 | (4)% |
| &nbsp;&nbsp;Interest on investment securities | 17769 | 15892 | 12% | 16829 | 6% | 33661 | 34878 | (3)% |
| &nbsp;&nbsp;Interest on cash and deposits at other banks | 8783 | 5205 | 69% | 5284 | 66% | 13988 | 32467 | (57)% |
| &nbsp;&nbsp;Interest on other investments and FHLB dividends | 1177 | 1108 | 6% | 805 | 46% | 2285 | 1621 | 41% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest income | 239170 | 217166 | 10% | 232601 | 3% | 456336 | 492275 | (7)% |
| &nbsp;&nbsp;Interest on deposits | 118852 | 113585 | 5% | 122577 | (3)% | 232437 | 246610 | (6)% |
| &nbsp;&nbsp;Interest on borrowings | 2785 | 2764 | 1% | 4164 | (33)% | 5549 | 24758 | (78)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | 121637 | 116349 | 5% | 126741 | (4)% | 237986 | 271368 | (12)% |
| Net interest income before provision | 117533 | 100817 | 17% | 105860 | 11% | 218350 | 220907 | (1)% |
| Provision for credit losses | 15000 | 4800 | 213% | 1400 | 971% | 19800 | 4000 | 395% |
| Net interest income after provision | 102533 | 96017 | 7% | 104460 | (2)% | 198550 | 216907 | (8)% |
| &nbsp;&nbsp;Service fees on deposit accounts | 3106 | 2921 | 6% | 2681 | 16% | 6027 | 5268 | 14% |
| &nbsp;&nbsp;Net gains on sales of SBA loans | 3998 | 3131 | 28% | 1980 | 102% | 7129 | 1980 | 260% |
| &nbsp;&nbsp;Net (losses) gains on sales of securities available for sale | (38856) |  | 100% | 425 | N/A | (38856) | 425 | N/A |
| &nbsp;&nbsp;Other income and fees | 8796 | 9636 | (9)% | 5985 | 47% | 18432 | 11684 | 58% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total noninterest (loss) income | (22956) | 15688 | N/A | 11071 | N/A | (7268) | 19357 | N/A |
| &nbsp;&nbsp;Salaries and employee benefits | 52834 | 48460 | 9% | 44107 | 20% | 101294 | 91684 | 10% |
| &nbsp;&nbsp;Occupancy | 8884 | 7166 | 24% | 6906 | 29% | 16050 | 13692 | 17% |
| &nbsp;&nbsp;Furniture and equipment | 7817 | 5713 | 37% | 5475 | 43% | 13530 | 10815 | 25% |
| &nbsp;&nbsp;Data processing and communications | 3602 | 2907 | 24% | 2997 | 20% | 6509 | 5987 | 9% |
| &nbsp;&nbsp;FDIC assessment | 2488 | 2502 | (1)% | 3003 | (17)% | 4990 | 5929 | (16)% |
| &nbsp;&nbsp;FDIC special assessment |  |  | —% | (309) | (100)% |  | 691 | (100)% |
| &nbsp;&nbsp;Earned interest credit | 3310 | 3087 | 7% | 6139 | (46)% | 6397 | 11973 | (47)% |
| &nbsp;&nbsp;Merger and restructuring related costs | 17281 | 2519 | 586% | 2165 | 698% | 19800 | 3611 | 448% |
| &nbsp;&nbsp;Other noninterest expense | 13257 | 11507 | 15% | 10504 | 26% | 24764 | 21444 | 15% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense | 109473 | 83861 | 31% | 80987 | 35% | 193334 | 165826 | 17% |
| (Loss) income before income taxes | (29896) | 27844 | N/A | 34544 | N/A | (2052) | 70438 | N/A |
| Income tax (benefit) provision | (2015) | 6748 | N/A | 9274 | N/A | 4733 | 19304 | (75)% |
| **Net (loss) income** | $**(27881)** | $**21096** | N/A | $**25270** | N/A | $**(6785)** | $**51134** | N/A |
| (Loss) earnings per common share – diluted | $(0.22) | $0.17 |  | $0.21 |  | $(0.05) | $0.42 |  |
| Weighted average shares outstanding – diluted | 128223991 | 121433080 |  | 120939429 |  | 124859880 | 120964149 |  |

---

Table Page 2

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Six Months Ended** | **For the Six Months Ended** |
| **Profitability measures (annualized):** | **6/30/2025** | **3/31/2025** | **6/30/2024** | **6/30/2025** | **6/30/2024** |
| &nbsp;&nbsp;Return on average assets ("ROA") | -0.60% | 0.49% | 0.59% | -0.08% | 0.56% |
| &nbsp;&nbsp;ROA excluding notable items <sup>(1)</sup> | 0.52% | 0.54% | 0.62% | 0.53% | 0.60% |
| &nbsp;&nbsp;Return on average equity ("ROE") | -5.02% | 3.93% | 4.82% | -0.62% | 4.84% |
| &nbsp;&nbsp;ROE excluding notable items <sup>(1)</sup> | 4.42% | 4.26% | 5.07% | 4.34% | 5.13% |
| &nbsp;&nbsp;Return on average tangible common equity ("ROTCE") <sup>(1)</sup> | -6.58% | 5.02% | 6.20% | -0.80% | 6.22% |
| &nbsp;&nbsp;ROTCE excluding notable items <sup>(1)</sup> | 5.79% | 5.44% | 6.53% | 5.61% | 6.59% |
| &nbsp;&nbsp;Net interest margin | 2.69% | 2.54% | 2.62% | 2.62% | 2.58% |
| &nbsp;&nbsp;Efficiency ratio (not annualized) | 115.75% | 71.98% | 69.26% | 91.59% | 69.02% |
| &nbsp;&nbsp;Efficiency ratio excluding notable items (not annualized) <sup>(1)</sup> | 69.09% | 69.82% | 67.67% | 69.43% | 67.23% |
| <sup>(1)</sup> ROA excluding notable items, ROE excluding notable items, ROTCE, ROTCE excluding notable items, and efficiency ratio excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 through 12. | <sup>(1)</sup> ROA excluding notable items, ROE excluding notable items, ROTCE, ROTCE excluding notable items, and efficiency ratio excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 through 12. | <sup>(1)</sup> ROA excluding notable items, ROE excluding notable items, ROTCE, ROTCE excluding notable items, and efficiency ratio excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 through 12. | <sup>(1)</sup> ROA excluding notable items, ROE excluding notable items, ROTCE, ROTCE excluding notable items, and efficiency ratio excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 through 12. | <sup>(1)</sup> ROA excluding notable items, ROE excluding notable items, ROTCE, ROTCE excluding notable items, and efficiency ratio excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 through 12. | <sup>(1)</sup> ROA excluding notable items, ROE excluding notable items, ROTCE, ROTCE excluding notable items, and efficiency ratio excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 through 12. |

---

Table Page 3

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands)*

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| | **6/30/2025** | **6/30/2025** | **6/30/2025** | **3/31/2025** | **3/31/2025** | **3/31/2025** | **6/30/2024** | **6/30/2024** | **6/30/2024** |
| | | **Interest** | **Annualized** | | **Interest** | **Annualized** | | **Interest** | **Annualized** |
| | **Average** | **Income/** | **Average** | **Average** | **Income/** | **Average** | **Average** | **Income/** | **Average** |
| | **Balance** | **Expense** | **Yield/Cost** | **Balance** | **Expense** | **Yield/Cost** | **Balance** | **Expense** | **Yield/Cost** |
| **INTEREST EARNING ASSETS:** | | | | | | | | | |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans, including loans held for sale | $14423923 | $211441 | 5.88% | $13455201 | $194961 | 5.88% | $13591936 | $209683 | 6.20% |
| &nbsp;&nbsp;&nbsp;&nbsp;Investment securities | 2192533 | 17769 | 3.25% | 2083809 | 15892 | 3.09% | 2175379 | 16829 | 3.11% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest earning cash and deposits at other banks | 807979 | 8783 | 4.36% | 496512 | 5205 | 4.25% | 428062 | 5284 | 4.96% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB stock and other investments | 98052 | 1177 | 4.81% | 87065 | 1108 | 5.16% | 48463 | 805 | 6.68% |
| Total interest earning assets | $17522487 | $239170 | 5.47% | $16122587 | $217166 | 5.46% | $16243840 | $232601 | 5.76% |
| **INTEREST BEARING LIABILITIES:** |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Deposits: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market, interest bearing demand and savings | $6278578 | $51884 | 3.31% | $5452632 | $50619 | 3.76% | $4948708 | $48708 | 3.96% |
| &nbsp;&nbsp;&nbsp;&nbsp;Time deposits | 6353525 | 66968 | 4.23% | 5674095 | 62966 | 4.50% | 5921201 | 73869 | 5.02% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest bearing deposits | 12632103 | 118852 | 3.77% | 11126727 | 113585 | 4.14% | 10869909 | 122577 | 4.54% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB and FRB borrowings | 48671 | 364 | 3.00% | 121400 | 356 | 1.19% | 219402 | 1430 | 2.62% |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debentures and convertible notes | 106150 | 2421 | 9.02% | 105815 | 2408 | 9.10% | 104822 | 2734 | 10.32% |
| Total interest bearing liabilities | $12786924 | $121637 | 3.82% | $11353942 | $116349 | 4.16% | $11194133 | $126741 | 4.55% |
| Noninterest bearing demand deposits | 3464085 |  |  | 3344732 |  |  | 3666416 |  |  |
| Total funding liabilities/cost of funds | $16251009 |  | 3.00% | $14698674 |  | 3.21% | $14860549 |  | 3.43% |
| Net interest income/net interest spread |  | $117533 | 1.65% |  | $100817 | 1.30% |  | $105860 | 1.21% |
| **Net interest margin** |  |  | **2.69%** |  |  | **2.54%** |  |  | **2.62%** |
| Cost of deposits: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest bearing demand deposits | $3464085 | $— | —% | $3344732 | $— | —% | $3666416 | $— | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing deposits | 12632103 | 118852 | 3.77% | 11126727 | 113585 | 4.14% | 10869909 | 122577 | 4.54% |
| Total deposits | $16096188 | $118852 | 2.96% | $14471459 | $113585 | 3.18% | $14536325 | $122577 | 3.39% |

---

Table Page 4

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands)*

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Six Months Ended** | **Six Months Ended** | **Six Months Ended** | **Six Months Ended** | **Six Months Ended** | **Six Months Ended** |
| | **6/30/2025** | **6/30/2025** | **6/30/2025** | **6/30/2024** | **6/30/2024** | **6/30/2024** |
| | | **Interest** | **Annualized** | | **Interest** | **Annualized** |
| | **Average** | **Income/** | **Average** | **Average** | **Income/** | **Average** |
| | **Balance** | **Expense** | **Yield/Cost** | **Balance** | **Expense** | **Yield/Cost** |
| **INTEREST EARNING ASSETS:** | | | | | | |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans, including loans held for sale | $13942238 | $406402 | 5.88% | $13669078 | $423309 | 6.23% |
| &nbsp;&nbsp;&nbsp;&nbsp;Investment securities | 2138471 | 33661 | 3.17% | 2246266 | 34878 | 3.12% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest earning cash and deposits at other banks | 653106 | 13988 | 4.32% | 1223916 | 32467 | 5.33% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB stock and other investments | 92589 | 2285 | 4.98% | 48299 | 1621 | 6.75% |
| Total interest earning assets | $16826404 | $456336 | 5.47% | $17187559 | $492275 | 5.76% |
| **INTEREST BEARING LIABILITIES:** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Deposits: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market, interest bearing demand and savings | $5867886 | $102503 | 3.52% | $5010745 | $98852 | 3.97% |
| &nbsp;&nbsp;&nbsp;&nbsp;Time deposits | 6015687 | 129934 | 4.36% | 5953351 | 147758 | 4.99% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest bearing deposits | 11883573 | 232437 | 3.94% | 10964096 | 246610 | 4.52% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB and FRB borrowings | 84835 | 720 | 1.71% | 951368 | 19283 | 4.08% |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debentures and convertible notes | 105983 | 4829 | 9.06% | 104657 | 5475 | 10.35% |
| Total interest bearing liabilities | $12074391 | $237986 | 3.97% | $12020121 | $271368 | 4.54% |
| Noninterest bearing demand deposits | 3404738 |  |  | 3735143 |  |  |
| Total funding liabilities/cost of funds | $15479129 |  | 3.10% | $15755264 |  | 3.46% |
| Net interest income/net interest spread |  | $218350 | 1.50% |  | $220907 | 1.22% |
| **Net interest margin** |  |  | **2.62%** |  |  | **2.58%** |
| Cost of deposits: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest bearing demand deposits | $3404738 | $— | —% | $3735143 | $— | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing deposits | 11883573 | 232437 | 3.94% | 10964096 | 246610 | 4.52% |
| Total deposits | $15288311 | $232437 | 3.07% | $14699239 | $246610 | 3.37% |

---

Table Page 5

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands, except per share data)*

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Six Months Ended** | **Six Months Ended** | **Six Months Ended** |
| **AVERAGE BALANCES:** | **6/30/2025** | **3/31/2025** | % change | **6/30/2024** | % change | **6/30/2025** | **6/30/2024** | % change |
| Gross loans, including loans held for sale | $14423923 | $13455201 | 7% | $13591936 | 6% | $13942238 | $13669078 | 2% |
| Investment securities | 2192533 | 2083809 | 5% | 2175379 | 1% | 2138471 | 2246266 | (5)% |
| Interest earning cash and deposits at other banks | 807979 | 496512 | 63% | 428062 | 89% | 653106 | 1223916 | (47)% |
| Interest earning assets | 17522487 | 16122587 | 9% | 16243840 | 8% | 16826404 | 17187559 | (2)% |
| Goodwill and intangible assets | 525048 | 466633 | 13% | 467822 | 12% | 496002 | 468026 | 6% |
| Total assets | 18724864 | 17084378 | 10% | 17256638 | 9% | 17909153 | 18198707 | (2)% |
| Noninterest bearing demand deposits | 3464085 | 3344732 | 4% | 3666416 | (6)% | 3404738 | 3735143 | (9)% |
| Interest bearing deposits | 12632103 | 11126727 | 14% | 10869909 | 16% | 11883573 | 10964096 | 8% |
| Total deposits | 16096188 | 14471459 | 11% | 14536325 | 11% | 15288311 | 14699239 | 4% |
| Interest bearing liabilities | 12786924 | 11353942 | 13% | 11194133 | 14% | 12074391 | 12020121 | —% |
| Stockholders' equity | 2220633 | 2148079 | 3% | 2097108 | 6% | 2184556 | 2111720 | 3% |
| **LOAN PORTFOLIO COMPOSITION:** | **6/30/2025** | **3/31/2025** | % change | **6/30/2024** | % change |  |  |  |
| Commercial real estate ("CRE") loans | $8385764 | $8377106 | —% | $8679515 | (3)% |  |  |  |
| Commercial and industrial ("C&I") loans | 3725295 | 3756046 | (1)% | 3854284 | (3)% |  |  |  |
| Residential mortgage and other loans | 2323728 | 1202142 | 93% | 1033203 | 125% |  |  |  |
| &nbsp;&nbsp;&nbsp; Loans receivable | 14434787 | 13335294 | 8% | 13567002 | 6% |  |  |  |
| Loans held for sale | 12051 | 183 | 6485% | 68316 | (82)% |  |  |  |
| &nbsp;&nbsp;&nbsp; Gross loans | $14446838 | $13335477 | 8% | $13635318 | 6% |  |  |  |
| **CRE LOANS BY PROPERTY TYPE:** | **6/30/2025** | **3/31/2025** | % change | **6/30/2024** | % change |  |  |  |
| Multi-tenant retail | $1589994 | $1574711 | 1% | $1659083 | (4)% |  |  |  |
| Industrial warehouses | 1260991 | 1263037 | —% | 1249255 | 1% |  |  |  |
| Multifamily | 1211785 | 1202577 | 1% | 1199215 | 1% |  |  |  |
| Gas stations and car washes | 1106007 | 1084310 | 2% | 1007680 | 10% |  |  |  |
| Mixed-use facilities | 671144 | 699776 | (4)% | 844993 | (21)% |  |  |  |
| Hotels/motels | 754449 | 757814 | —% | 795253 | (5)% |  |  |  |
| Single-tenant retail | 647374 | 651950 | (1)% | 655540 | (1)% |  |  |  |
| Office | 340329 | 347115 | (2)% | 403861 | (16)% |  |  |  |
| All other | 803691 | 795816 | 1% | 864635 | (7)% |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total CRE loans | $8385764 | $8377106 | —% | $8679515 | (3)% |  |  |  |
| **DEPOSIT COMPOSITION:** | **6/30/2025** | **3/31/2025** | % change | **6/30/2024** | % change |  |  |  |
| Noninterest bearing demand deposits | $3485502 | $3362842 | 4% | $3671192 | (5)% |  |  |  |
| Money market, interest bearing demand, and savings | 6102999 | 5410471 | 13% | 4907860 | 24% |  |  |  |
| Time deposits | 6354854 | 5715006 | 11% | 6132419 | 4% |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits | $15943355 | $14488319 | 10% | $14711471 | 8% |  |  |  |

---

Table Page 6

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands, except share and per share data)*

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **CAPITAL & CAPITAL RATIOS:** | **6/30/2025** | **3/31/2025** | **6/30/2024** | | | | |
| Total stockholders' equity | $2224117 | $2160033 | $2111282 |  |  |  |  |
| Total capital | $2092212 | $2153418 | $2137513 |  |  |  |  |
| Common equity tier 1 ratio | 12.06% | 13.28% | 12.70% |  |  |  |  |
| Tier 1 capital ratio | 12.76% | 14.02% | 13.40% |  |  |  |  |
| Total capital ratio | 13.76% | 15.06% | 14.41% |  |  |  |  |
| Leverage ratio | 10.57% | 11.92% | 11.61% |  |  |  |  |
| Total risk weighted assets | $15206801 | $14297471 | $14828905 |  |  |  |  |
| Book value per common share | $17.36 | $17.84 | $17.49 |  |  |  |  |
| Tangible common equity ("TCE") per share <sup>(1)</sup> | $13.26 | $13.99 | $13.61 |  |  |  |  |
| TCE ratio <sup>(1)</sup> | 9.43% | 10.20% | 9.72% |  |  |  |  |
| <sup>(1)</sup> TCE per share and TCE ratio are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Page 10. | <sup>(1)</sup> TCE per share and TCE ratio are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Page 10. | <sup>(1)</sup> TCE per share and TCE ratio are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Page 10. | <sup>(1)</sup> TCE per share and TCE ratio are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Page 10. | <sup>(1)</sup> TCE per share and TCE ratio are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Page 10. | <sup>(1)</sup> TCE per share and TCE ratio are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Page 10. | <sup>(1)</sup> TCE per share and TCE ratio are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Page 10. | <sup>(1)</sup> TCE per share and TCE ratio are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Page 10. |
| **ALLOWANCE FOR CREDIT LOSSES CHANGES:** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Six Months Ended** | **Six Months Ended** |
| **ALLOWANCE FOR CREDIT LOSSES CHANGES:** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** | **6/30/2024** | **6/30/2025** | **6/30/2024** |
| Balance at beginning of period | $147412 | $150527 | $153270 | $156019 | $158758 | $150527 | $158694 |
| Initial allowance for purchased credit deteriorated ("PCD") loans acquired | 63 |  |  |  |  | 63 |  |
| Provision for credit losses on loans | 14000 | 5200 | 10100 | 3000 | 1700 | 19200 | 5300 |
| Recoveries | 2844 | 233 | 704 | 534 | 2099 | 3077 | 3283 |
| Charge offs | (14814) | (8548) | (13547) | (6283) | (6538) | (23362) | (11258) |
| Balance at end of period | $149505 | $147412 | $150527 | $153270 | $156019 | $149505 | $156019 |
|  | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** | **6/30/2024** |  |  |
| Allowance for unfunded loan commitments | $3323 | $2323 | $2723 | $2823 | $2543 |  |  |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Six Months Ended** | **Six Months Ended** |
|  | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** | **6/30/2024** | **6/30/2025** | **6/30/2024** |
| Provision for credit losses on loans | $14000 | $5200 | $10100 | $3000 | $1700 | $19200 | $5300 |
| Provision (credit) for unfunded loan commitments | 1000 | (400) | (100) | 280 | (300) | 600 | (1300) |
| Provision for credit losses | $15000 | $4800 | $10000 | $3280 | $1400 | $19800 | $4000 |

---

Table Page 7

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands)*

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Six Months Ended** | **Six Months Ended** |
| **NET LOAN CHARGE OFFS (RECOVERIES):** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** | **6/30/2024** | **6/30/2025** | **6/30/2024** |
| CRE loans | $(843) | $899 | $156 | $372 | $514 | $56 | $17 |
| C&I loans | 11829 | 7384 | 12607 | 5287 | 3900 | 19213 | 7972 |
| Residential mortgage and other loans | 984 | 32 | 80 | 90 | 25 | 1016 | (14) |
| &nbsp;&nbsp;&nbsp;Net loan charge offs | $11970 | $8315 | $12843 | $5749 | $4439 | $20285 | $7975 |
| Net charge offs/average loans (annualized) | 0.33% | 0.25% | 0.38% | 0.17% | 0.13% | 0.29% | 0.12% |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **NONPERFORMING ASSETS:** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** | **6/30/2024** |
| Loans on nonaccrual status <sup>(1)</sup> | $110739 | $83808 | $90564 | $103602 | $67003 |
| Accruing delinquent loans past due 90 days or more | 2149 | 98 | 229 | 226 | 273 |
| &nbsp;&nbsp;**Total nonperforming loans** | **112888** | **83906** | **90793** | **103828** | **67276** |
| Other real estate owned ("OREO") |  |  |  |  |  |
| &nbsp;&nbsp;**Total nonperforming assets** | $**112888** | $**83906** | $**90793** | $**103828** | $**67276** |
| Nonperforming assets/total assets | 0.61% | 0.49% | 0.53% | 0.60% | 0.39% |
| Nonperforming loans/loans receivable | 0.78% | 0.63% | 0.67% | 0.76% | 0.50% |
| Nonaccrual loans/loans receivable | 0.77% | 0.63% | 0.67% | 0.76% | 0.49% |
| Allowance for credit losses/loans receivable | 1.04% | 1.11% | 1.11% | 1.13% | 1.15% |
| Allowance for credit losses/nonperforming loans | 132.44% | 175.69% | 165.79% | 147.62% | 231.91% |
| <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.3 million, $11.8 million, $12.8 million, $13.1 million, and $11.2 million, at June 30, 2025, March 31, 2025, December 31, 2024, September 30, 2024, and June 30, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.3 million, $11.8 million, $12.8 million, $13.1 million, and $11.2 million, at June 30, 2025, March 31, 2025, December 31, 2024, September 30, 2024, and June 30, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.3 million, $11.8 million, $12.8 million, $13.1 million, and $11.2 million, at June 30, 2025, March 31, 2025, December 31, 2024, September 30, 2024, and June 30, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.3 million, $11.8 million, $12.8 million, $13.1 million, and $11.2 million, at June 30, 2025, March 31, 2025, December 31, 2024, September 30, 2024, and June 30, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.3 million, $11.8 million, $12.8 million, $13.1 million, and $11.2 million, at June 30, 2025, March 31, 2025, December 31, 2024, September 30, 2024, and June 30, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.3 million, $11.8 million, $12.8 million, $13.1 million, and $11.2 million, at June 30, 2025, March 31, 2025, December 31, 2024, September 30, 2024, and June 30, 2024, respectively. |
| **NONACCRUAL LOANS BY TYPE:** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** | **6/30/2024** |
| CRE loans | $55368 | $24106 | $23396 | $72228 | $27292 |
| C&I loans | 46945 | 50544 | 60807 | 24963 | 33456 |
| Residential mortgage and other loans | 8426 | 9158 | 6361 | 6411 | 6255 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total nonaccrual loans | $110739 | $83808 | $90564 | $103602 | $67003 |

---

Table Page 8

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**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands)*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **ACCRUING DELINQUENT LOANS 30-89 DAYS PAST DUE:** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** | **6/30/2024** |
| 30 - 59 days past due | $4909 | $11927 | $8681 | $10746 | $9073 |
| 60 - 89 days past due | 2841 | 27719 | 5164 | 1539 | 552 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total accruing delinquent loans 30-89 days past due | $7750 | $39646 | $13845 | $12285 | $9625 |
| **ACCRUING DELINQUENT LOANS 30-89 DAYS PAST DUE BY TYPE:** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** | **6/30/2024** |
| CRE loans | $4377 | $4993 | $3205 | $816 | $5586 |
| C&I loans | 1084 | 27455 | 1288 | 9037 | 2530 |
| Residential mortgage and other loans | 2289 | 7198 | 9352 | 2432 | 1509 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total accruing delinquent loans 30-89 days past due | $7750 | $39646 | $13845 | $12285 | $9625 |
| **CRITICIZED LOANS:** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** | **6/30/2024** |
| Special mention loans | $137313 | $184659 | $179073 | $184443 | $204167 |
| Classified loans | 277418 | 264064 | 270896 | 321283 | 243635 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total criticized loans | $414731 | $448723 | $449969 | $505726 | $447802 |

---

Table Page 9

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands, except share and per share data)*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Reconciliation of GAAP financial measures to non-GAAP financial measures** | **Reconciliation of GAAP financial measures to non-GAAP financial measures** | **Reconciliation of GAAP financial measures to non-GAAP financial measures** | **Reconciliation of GAAP financial measures to non-GAAP financial measures** | **Reconciliation of GAAP financial measures to non-GAAP financial measures** | **Reconciliation of GAAP financial measures to non-GAAP financial measures** |
| Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. | Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. | Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. | Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. | Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. | Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. |
| Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. | Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. | Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. | Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. | Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. | Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. |
| **TANGIBLE COMMON EQUITY ("TCE")** | **6/30/2025** | **3/31/2025** | **6/30/2024** |  |  |
| Total stockholders' equity | $2224117 | $2160033 | $2111282 |  |  |
| Goodwill and core deposit intangible assets, net | (525428) | (466405) | (467583) |  |  |
| TCE | $1698689 | $1693628 | $1643699 |  |  |
| Total assets | $18547017 | $17068316 | $17375091 |  |  |
| Goodwill and core deposit intangible assets, net | (525428) | (466405) | (467583) |  |  |
| Tangible assets | $18021589 | $16601911 | $16907508 |  |  |
| TCE ratio | 9.43% | 10.20% | 9.72% |  |  |
| Common shares outstanding | 128124458 | 121074988 | 120731342 |  |  |
| TCE per share | $13.26 | $13.99 | $13.61 |  |  |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Six Months Ended** | **Six Months Ended** |
| **RETURN ON AVERAGE TANGIBLE COMMON EQUITY ("ROTCE")** | **6/30/2025** | **3/31/2025** | **6/30/2024** | **6/30/2025** | **6/30/2024** |
| Average stockholders' equity | $2220633 | $2148079 | $2097108 | $2184556 | $2111720 |
| Average goodwill and core deposit intangible assets, net | (525048) | (466633) | (467822) | (496002) | (468026) |
| Average TCE | $1695585 | $1681446 | $1629286 | $1688554 | $1643694 |
| Net (loss) income | $(27881) | $21096 | $25270 | $(6785) | $51134 |
| ROTCE (annualized) | -6.58% | 5.02% | 6.20% | -0.80% | 6.22% |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Six Months Ended** | **Six Months Ended** |
| **PROVISION FOR CREDIT LOSSES EXCLUDING NOTABLE ITEMS** | **6/30/2025** | **3/31/2025** | **6/30/2024** | **6/30/2025** | **6/30/2024** |
| Provision for credit losses | $15000 | $4800 | $1400 | $19800 | $4000 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Merger-related provision for credit losses | (4461) |  |  | (4461) |  |
| Provision for credit losses excluding notable items | $10539 | $4800 | $1400 | $15339 | $4000 |

---

Table Page 10

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands, except share and per share data)*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Six Months Ended** | **Six Months Ended** |
| **PRE-PROVISION NET REVENUE ("PPNR")** | **6/30/2025** | **3/31/2025** | **6/30/2024** | **6/30/2025** | **6/30/2024** |
| Net interest income before provision for credit losses | $117533 | $100817 | $105860 | $218350 | $220907 |
| Noninterest income | (22956) | 15688 | 11071 | (7268) | 19357 |
| Revenue | 94577 | 116505 | 116931 | 211082 | 240264 |
| Less: Noninterest expense | 109473 | 83861 | 80987 | 193334 | 165826 |
| PPNR | $(14896) | $32644 | $35944 | $17748 | $74438 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Loss on investment portfolio repositioning | $38856 | $— | $— | $38856 | $— |
| &nbsp;&nbsp;&nbsp;FDIC special assessment expense |  |  | (309) |  | 691 |
| &nbsp;&nbsp;&nbsp;Merger and restructuring-related costs | 17281 | 2519 | 2165 | 19800 | 3611 |
| &nbsp;&nbsp;&nbsp;Total notable items included in PPNR | 56137 | 2519 | 1856 | 58656 | 4302 |
| PPNR, excluding notable items | $41241 | $35163 | $37800 | $76404 | $78740 |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Six Months Ended** | **Six Months Ended** |
| **PROFITABILITY RATIOS EXCLUDING NOTABLE ITEMS** | **6/30/2025** | **3/31/2025** | **6/30/2024** | **6/30/2025** | **6/30/2024** |
| Net (loss) income | $(27881) | $21096 | $25270 | $(6785) | $51134 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Merger-related provision for credit losses | 4461 |  |  | 4461 |  |
| &nbsp;&nbsp;&nbsp;Loss on investment portfolio repositioning | 38856 |  |  | 38856 |  |
| &nbsp;&nbsp;&nbsp;FDIC special assessment expense |  |  | (309) |  | 691 |
| &nbsp;&nbsp;&nbsp;Merger and restructuring-related costs | 17281 | 2519 | 2165 | 19800 | 3611 |
| &nbsp;&nbsp;&nbsp;Total notable items included in pre-tax income | 60598 | 2519 | 1856 | 63117 | 4302 |
| &nbsp;&nbsp;&nbsp;Tax effect on notable items in pre-tax income | (13064) | (741) | (547) | (13805) | (1266) |
| &nbsp;&nbsp;&nbsp;Notable one-time impact from California state tax apportionment law change | 4878 |  |  | 4878 |  |
| &nbsp;&nbsp;&nbsp;Total notable items, net of tax | 52412 | 1778 | 1309 | 54190 | 3036 |
| Net income excluding notable items | $24531 | $22874 | $26579 | $47405 | $54170 |
| Diluted common shares | 128223991 | 121433080 | 120939429 | 124859880 | 120964149 |
| EPS excluding notable items | $0.19 | $0.19 | $0.22 | $0.38 | $0.45 |
| Average assets | $18724864 | $17084378 | $17256638 | $17909153 | $18198707 |
| ROA excluding notable items (annualized) | 0.52% | 0.54% | 0.62% | 0.53% | 0.60% |
| Average equity | $2220633 | $2148079 | $2097108 | $2184556 | $2111720 |
| ROE excluding notable items (annualized) | 4.42% | 4.26% | 5.07% | 4.34% | 5.13% |
| Average TCE | $1695585 | $1681446 | $1629286 | $1688554 | $1643694 |
| ROTCE excluding notable items (annualized) | 5.79% | 5.44% | 6.53% | 5.61% | 6.59% |

---

Table Page 11

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands, except share and per share data)*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Six Months Ended** | **Six Months Ended** |
| **NONINTEREST INCOME EXCLUDING NOTABLE ITEMS** | **6/30/2025** | **3/31/2025** | **6/30/2024** | **6/30/2025** | **6/30/2024** |
| Noninterest (loss) income | $(22956) | $15688 | $11071 | $(7268) | $19357 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Loss on investment portfolio repositioning | 38856 |  |  | 38856 |  |
| Noninterest income excluding notable items | $15900 | $15688 | $11071 | $31588 | $19357 |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Six Months Ended** | **Six Months Ended** |
| **EFFICIENCY RATIO EXCLUDING NOTABLE ITEMS** | **6/30/2025** | **3/31/2025** | **6/30/2024** | **6/30/2025** | **6/30/2024** |
| Noninterest expense | $109473 | $83861 | $80987 | $193334 | $165826 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;FDIC special assessment expense |  |  | 309 |  | (691) |
| &nbsp;&nbsp;&nbsp;Merger and restructuring-related costs | (17281) | (2519) | (2165) | (19800) | (3611) |
| Noninterest expense excluding notable items | $92192 | $81342 | $79131 | $173534 | $161524 |
| Revenue | $94577 | $116505 | $116931 | $211082 | $240264 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Loss on investment portfolio repositioning | 38856 |  |  | 38856 |  |
| Revenue excluding notable items | $133433 | $116505 | $116931 | $249938 | $240264 |
| Efficiency ratio excluding notable items | 69.09% | 69.82% | 67.67% | 69.43% | 67.23% |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Six Months Ended** | **Six Months Ended** |
| **EFFECTIVE TAX RATE EXCLUDING NOTABLE ITEMS** | **6/30/2025** | **3/31/2025** | **6/30/2024** | **6/30/2025** | **6/30/2024** |
| (Loss) income before income taxes | $(29896) | $27844 | $34544 | $(2052) | $70438 |
| Notable items before tax effect | 60598 | 2519 | 1856 | 63117 | 4302 |
| Income before tax excluding notable items | $30702 | $30363 | $36400 | $61065 | $74740 |
| GAAP income tax (benefit) provision | $(2015) | $6748 | $9274 | $4733 | $19304 |
| Tax effect on notable items in pre-tax income | 13064 | 741 | 547 | 13805 | 1266 |
| Notable one-time impact from California state tax apportionment law change | (4878) |  |  | (4878) |  |
| Income tax provision excluding notable items | $6171 | $7489 | $9821 | $13660 | $20570 |
| Effective tax rate excluding notable items | 20.10% | 24.66% | 26.98% | 22.37% | 27.52% |

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Table Page 12

## Exhibit 99.2

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2025 Second Quarter Earnings Conference Call July 22, 2025

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Forward Looking Statements & Additional Disclosures Some statements in this presentation may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements include, but are not limited to, statements preceded by, followed by or that include the words "will," "believes," "expects," "anticipates," "intends," "plans," "estimates" and similar expressions. With respect to any such forward-looking statements, Hope Bancorp claims the protection provided for in the Private Securities Litigation Reform Act of 1995. These statements involve risks and uncertainties. Hope Bancorp's actual results, performance or achievements may differ significantly from the results, performance or achievements expressed or implied in any forward-looking statements. With the consummation of the merger of Territorial Bancorp, factors that may cause actual outcomes to differ from what is expressed or forecasted in these forward-looking statements include, among things: difficulties and delays in integrating Hope Bancorp and Territorial Bancorp and achieving anticipated synergies, cost savings and other benefits from the transaction; higher than anticipated transaction costs; and deposit attrition, operating costs, customer loss and business disruption following the merger, including difficulties in maintaining relationships with employees and customers, may be greater than expected. Other risks and uncertainties include, but are not limited to: possible renewed deterioration in economic conditions in Hope Bancorp's areas of operation or elsewhere; interest rate risk associated with volatile interest rates and related asset-liability matching risk; liquidity risks; risk of significant non-earning assets, and net credit losses that could occur, particularly in times of weak economic conditions or times of rising interest rates; the failure of or changes to assumptions and estimates underlying Hope Bancorp's allowances for credit losses; potential increases in deposit insurance assessments and regulatory risks associated with current and future regulations; the outcome of any legal proceedings that may be instituted against Hope Bancorp; the impact of U.S. global trade policies and tensions, including changes in, or the imposition of, tariffs and/or trade barriers and the economic impacts, volatility and uncertainty resulting therefrom, and geopolitical instability; and risks from natural disasters. For additional information concerning these and other risk factors, see Hope Bancorp's most recent Annual Report on Form 10-K. Hope Bancorp does not undertake, and specifically disclaims any obligation, to update any forward-looking statements to reflect the occurrence of events or circumstances after the date of such statements except as required by law. 2

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Strong Capital & Liquidity • Total capital ratio was 13.76% at 6/30/25, reflecting the completion of the Territorial Bancorp Inc. acquisition • Strategically compelling acquisition added $1.7B of stable, low-cost deposits and $1.0B of residential mortgage loans with pristine asset quality • Tangible common equity ("TCE") ratio(1) was 9.43% at 6/30/25 Deposits • Deposits of $15.9B at 6/30/25, up 10% QoQ, largely reflecting the Territorial acquisition • Total cost of deposits down 22bps QoQ; average cost of interest bearing deposits down 37bps QoQ • Brokered deposits down $183MM QoQ to 5% of deposits at 6/30/25 Loans • Loans receivable of $14.4B at 6/30/25, up 8% QoQ, largely reflecting the Territorial acquisition • Residential mortgage and other loans increased to 16% of total loans at 6/30/25, up from 9% at 3/31/25 • Gross loan-to-deposit ratio of 90.6% at 6/30/25 Asset Quality • Criticized loans at 6/30/25 down 8% QoQ (2.87% of total loans). Special mention loans down 26% QoQ • Nonperforming assets ("NPA") of $113MM at 6/30/25 (0.61% of total assets) Earnings • 2Q25 net income (loss): $(27.9MM), or $(0.22) per diluted share mainly due to acquisition and securities repositioning • 2Q25 net income excluding notable items(1): $24.5MM, or $0.19(1) per diluted common share • 2Q25 notable items after tax of $(52MM). Included net loss on sales of securities related to the legacy investment portfolio repositioning, merger-related items, and one-time impact of California state tax apportionment law change • Repositioned $418MM of legacy investment securities available-for-sale ("AFS") in June 2025; expected to contribute approximately $12MM to interest income annually Q2 2025 Financial Overview Total Capital & TCE Ratio(1) at 6/30/25 13.76% / 9.43% NPA/Total Assets at 6/30/25 0.61% Loans Receivable at 6/30/25 $14.4B Total Deposits at 6/30/25 $15.9B 3 2Q25 GAAP Net Income (Loss) / EPS $(27.9MM) / $(0.22) 2Q25 Net Income & EPS excluding notable items $24.5MM / $0.19 (1) TCE ratio, net income excluding notable items and earnings per share ("EPS") excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the Appendix of this presentation.

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Strong Capital Ratios 4 Common Equity Tier 1 Capital Ratio • Robust capital ratios: All capital ratios remain strong after Territorial Bancorp Inc. ("Territorial") acquisition and well above requirements for "well-capitalized" financial institutions • Dividend: Quarterly common stock dividend of $0.14 per share, or $0.56 per share annualized. Equivalent to a dividend yield of 5.22% at 6/30/25 • Territorial impact on shares (closed 4/2/25): Fixed exchange ratio: 0.8048x HOPE shares per Territorial share in an all-stock transaction. Company issued 6,976,754 shares, or $73MM of equity • Equity: Book value per common share of $17.36 & TCE per share(1) of $13.26 at 6/30/25 Tangible Common Equity ("TCE") Ratio(1) Total Capital Ratio Leverage Ratio (1) TCE ratio and TCE per share are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the Appendix of this presentation.

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Diverse & Granular Deposit Base 5 Noninterest Bearing Demand Deposits 22% Money Market, Interest Bearing Demand & Savings Deposits 38% Time Deposits 40% $15.9B Total Deposits (at 6/30/25) • Brokered deposit exposure down to 5% at 6/30/25 from 7% at 3/31/25 and 9% at 6/30/24 • QoQ increase in consumer deposits as a percentage of total deposits reflects Territorial's historically consumer-focused franchise • Total deposits of $15.9B at 6/30/25, up 10% QoQ, largely reflecting Territorial acquisition • As of the close of the acquisition, Territorial's deposits totaled $1.7B, with a weighted average cost of 1.98% • Brokered deposits decreased $183MM QoQ, or down 19% Deposit Composition by Product Type Deposit Composition by Customer Type 49% 51% 50% 51% 46% 39% 39% 40% 40% 47% 3% 3% 3% 2% 2%9% 7% 7% 7% 5% 6/30/24 9/30/24 12/31/24 3/31/25 6/30/25 Commercial Consumer Public & Other Brokered

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Well-Diversified Loan Portfolio 6 Nonowner- Occupied CRE 31% C&I 26% Owner- Occupied CRE 19% Residential Mortgage & Other 16% Multifamily Residential 8% $14.4B Loans Receivable (at 6/30/25) $2.3B Avg Size: $0.4MM $4.5B Avg Size: $1.8MM $2.7B Avg Size: $2.3MM $3.7B Avg Size: $1.4MM $1.2B Avg Size: $2.3MM • Loan portfolio well-diversified across major loan types of nonowner-occupied CRE, C&I, owner-occupied CRE, residential mortgage and other, and multifamily residential loans • Addition of Territorial nearly doubled residential mortgage loan portfolio to represent 16% of total loans at 6/30/25, up from 9% at 3/31/25 • Loans receivable, excluding loans held for sale, were $14.4B at 6/30/25, up 8% QoQ, reflecting the Territorial acquisition and moderate legacy net loan growth • 2Q25 organic loan production improved 57% QoQ

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Diversified CRE Portfolio with Low LTVs Total CRE: Distribution by LTV (excl. SBA) < 50%: 59% 50% - 55%: 13% > 55% - 60%: 9% > 60% - 65%: 6% > 65% - 70% > 70%: 8%$8.4B CRE Portfolio (at 6/30/25) 46% Weighted Avg LTV(1) (1) Weighted average loan-to-value ("LTV"): Current loan balance divided by updated collateral value. Collateral value updates most recent available appraisal by using CoStar market and property-specific data, including submarket appreciation or depreciation, and changes to vacancy, debt service coverage or rent/sq foot • Total CRE loans of $8.4B at 6/30/25, stable QoQ. Portfolio consists of $4.5B of nonowner-occupied CRE, $2.7B of owner-occupied CRE, and $1.2B of multifamily residential loans • CRE office: represented approximately 2% of total loans at 6/30/25 with no central business district exposure 7 $8.4B CRE Portfolio (at 6/30/25) As a % of Total Loans: Avg Loan Size: Weighted Avg LTV(1): 11% Multi-tenant Retail $1,590MM $2.4MM 41.4% 9% Industrial & Warehouse $1,261MM $2.5MM 40.2% 8% Multifamily $1,212MM $2.3MM 59.1% 8% Gas Station & Car Wash $1,106MM $1.9MM 49.4% 5% Hotel/Motel $755MM $2.1MM 40.8% 5% Mixed Use $671MM $1.8MM 48.0% 4% Single-tenant Retail $647MM $1.4MM 45.7% 2% Office $340MM $1.9MM 55.5% 6% All Other $804MM $1.6MM 41.6% 5%

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LA Fashion District Gateway Cities San Gabriel Valley South Bay LA Koreatown Other LA County (No exposure to downtown LA commercial business district) Orange County San Bernardino County Riverside County Other SoCalSan Francisco, $46 Greater SF Bay Area Other NorCal Manhattan Queens County Kings County Other New York New Jersey Texas Washington Illinois Other States Granular CRE Portfolio, Diversified by Submarket 8 CRE Portfolio by Geographic Submarket ($ Millions) Loan Size (at 6/30/25) Balance ($ Millions) # of Loans Average Loan Size ($ Millions) Weighted Average LTV(1) > $30MM $324 8 $40.5 62.9% $20MM - $30MM $597 25 $23.9 49.5% $10MM - $20MM $1,173 87 $13.5 50.8% $5MM - $10MM $1,682 247 $6.8 48.2% $2MM - $5MM $2,340 751 $3.1 45.6% < $2MM $2,270 3,008 $0.8 39.7% Total CRE Portfolio $8,386 4,126 $2.0 46.2% • Loan-to-value ratios are consistently low across segments by size and by property type • Vast majority of CRE loans have full recourse and personal guarantees CRE Portfolio by Size Segment (1) Weighted average LTV: Current loan balance divided by updated collateral value. Collateral value updates most recent available appraisal by using CoStar market and property-specific data, including submarket appreciation or depreciation, and changes to vacancy, debt service coverage or rent/sq foot $8.4B CRE Portfolio (at 6/30/25) SoCal NorCal NY/NJ Texas Washington Illinois Other States $309

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Net Interest Income & Net Interest Margin 9 Net Interest Income ($ Millions) $106 $105 $102 $101 $118 2Q24 3Q24 4Q24 1Q25 2Q25 Net Interest Income Net Interest Margin (annualized) ($ in thousands) 2Q25 Pre-tax Income Impact Estimated Timeline (Discount) Premium at 06/30/25 Accretion of discount on acquired loans $4,149 12 Years $(205,536) Amortization of net premium on acquired time deposits 207 0.5 Years (60) Amortization of discount on acquired FHLB borrowings (193) 1.3 Years (248) Amortization of core deposit intangibles (in OpEx) (775) 15 Years 45,745 Total acquisition accounting adjustments $3,388 Territorial Acquisition Accounting Adjustments in Pre-tax Income • Sales of lower-yielding AFS securities: aggregate fair value of $418MM with a weighted avg. book yield of 2.33%. Net loss on sale: $39MM • Net proceeds from sales redeployed into higher-yielding securities: $387MM with avg. current market yield of 5.42% • Anticipated contribution to interest income: $12MM annually Repositioned Legacy Investment Securities Net Interest Margin 2.62% 2.55% 2.50% 2.54% 2.69% 2Q24 3Q24 4Q24 1Q25 2Q25

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3.39% 3.44% 3.32% 3.18% 2.96% 4.54% 4.59% 4.38% 4.14% 3.77% 5.50% 5.43% 4.82% 4.50% 4.50% 2Q24 3Q24 4Q24 1Q25 2Q25 Cost of Total Deposits (ann.) Cost of IB Deposits (ann.) Avg Fed Funds Rate Average Loans & Deposits, Yields & Rates 10 Average Deposits Average Loans ($ Billions) ($ Billions) $13.6 $13.6 $13.6 $13.5 $14.4 0.0 0 2.0 0 4.00 6.0 0 8.0 0 10. 00 12. 00 14. 00 16. 00 2Q24 3Q24 4Q24 1Q25 2Q25 $10.9 $11.0 $11.0 $11.1 $12.6 $3.6 $3.7 $3.6 $3.4 $3.5 2Q24 3Q24 4Q24 1Q25 2Q25 Avg Interest Bearing ("IB") Deposits Avg Non IB Deposits 6.20% 6.16% 5.95% 5.88% 5.88% 5.50% 5.43% 4.82% 4.50% 4.50% 2Q24 3Q24 4Q24 1Q25 2Q25 Avg Loan Yield (annualized) Avg Fed Funds Rate Avg Loan-to-Deposit Ratio 94% 92% 93% 93% 90% Average Cost of Deposits Relative to Fed Funds Rate Average Loan Yield Relative to Fed Funds Rate $14.5 $16.1 $14.5$14.6$14.7

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$2.7 $2.7 $2.8 $2.9 $3.1 $2.0 $2.7 $3.1 $3.1 $4.0 $6.4 $6.4 $9.0 $9.7 $8.8 2Q24 3Q24 4Q24 1Q25 2Q25 Service Fees on Deposit Accounts Net Gains on SBA Loan Sales Other Income & Fees $(23.0) Noninterest Income 11 Noninterest Income (excluding notable items) (1) ($ Millions) $11.8 $14.9(3) $15.7 $15.9(2) $11.1 • 2Q25 noninterest income totaled $(23MM) and included net loss on legacy securities AFS repositioning of $39MM • 2Q25 noninterest income, excluding notable items: $16MM, up 1% QoQ and up 44% YoY • Sold $67MM of the guaranteed portion of SBA 7(a) loans during 2Q25 vs. $50MM in 1Q25. Recorded a net gain on sale of $4.0MM in 2Q25 and $3.1MM in 1Q25 • 2Q25 swap fee income increased $1MM QoQ and $1.6MM YoY, reflecting improving customer demand. Swap fee income is included in other income and fees • In 1Q25, other income and fees included a favorable valuation mark of $1.7MM related to other non-SBA loans sold, which did not recur in 2Q25 (1) Noninterest income excluding notable items is a non-GAAP financial measure. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the Appendix of this presentation (2) Notable items in 2Q25 included a net loss on sales of securities AFS of $38.9MM (3) Notable items in 4Q24 included a net gain of $1.0MM related to the sale of the Company's two branches in Virginia, which closed 10/1/24 GAAP Noninterest Income $15.9

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69.3% 69.7% 65.7% 72.0% 115.8% 67.7% 68.4% 65.8% 69.8% 69.1% 2Q24 3Q24 4Q24 1Q25 2Q25 Efficiency Ratio (GAAP) Efficiency Ratio (ex. notable items) $44.1 $44.2 $42.0 $48.5 $52.8 $12.4 $12.3 $12.3 $12.9 $16.7 $22.6 $23.3 $22.7 $19.9 $22.7 2Q24 3Q24 4Q24 1Q25 2Q25 Salary & Employee Benefits Occupancy & FF&E Other Expenses Efficiency Ratio Noninterest Expense & Efficiency 12 $79.8 $77.0 $81.3 $92.2 $79.1 Noninterest Expense (excluding notable items) (1)(2) ($ Millions) • 2Q25 GAAP noninterest expense of $109MM included merger-related costs. Ex. notable items(3), 2Q25 noninterest expense of $92MM, up 13% QoQ, reflected addition of Territorial to ongoing operations (1) The noninterest expense chart columns present noninterest expense excluding notable items (2) Noninterest expense excluding notable items and efficiency ratio excluding notable items are non- GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non- GAAP financial measures are provided in the Appendix of this presentation. (3) 2Q25 notable items (pre-tax) included $17.3MM in merger and restructuring-related expenses GAAP Noninterest Expense $77.6 $83.9 $109.5 $81.0 (2) $81.3 • 2Q25 notable tax item (in income tax provision): California state tax apportionment law changed on June 27, 2025, and became effective for tax years beginning on or after January 1, 2025. Consequently, deferred tax asset ("DTA") was remeasured. • 2Q25 income tax expense was negatively impacted by the DTA remeasurement in the amount of $4.9MM. This tax law change is expected to lower the Company's ongoing effective tax rate by ~1%.

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$156 $153 $151 $147 $150 1.15% 1.13% 1.11% 1.11% 1.04% 6/30/24 9/30/24 12/31/24 3/31/25 6/30/25 ACL ACL Coverage Ratio • Asset quality remains stable, Territorial contributed residential mortgage loans with pristine asset quality • Allowance for credit losses ("ACL") coverage ratio: 1.04% of loans as of 6/30/25 vs. 1.11% as of 3/31/25. Change in ratio reflects impact of Territorial acquisition • Criticized loans of $415MM at 6/30/25, down $34MM, or 8%, QoQ. Includes decrease in special mention loans of $47MM, or 26%, QoQ • Nonperforming assets ("NPA") of $113MM, or 0.61% of total assets at 6/30/25. QoQ increase driven by one CRE loan that is well- secured by collateral property in prime location • Net charge offs ("NCO"): $12MM in 2Q25, or 33bps of average loans, annualized • 2Q25 GAAP provision for credit losses of $15MM included notable, merger-related provision of $4.5MM. Ex. notable items(1), 2Q25 provision for credit losses was $10.5MM, up QoQ due to NCOs and increase provision for unfunded loan commitments Asset Quality Metrics 13 Provision for Credit Losses(1) & Net Charge Offs Nonperforming Assets Ratio Allowance for Credit Losses & Coverage Ratio Criticized Loans Ratio $1 $3 $10 $5 $10.5 $4 $6 $13 $8 $12 0.13% 0.17% 0.38% 0.25% 0.33% 2Q24 3Q24 4Q24 1Q25 2Q25 Provision for Credit Losses NCO NCO Ratio (ann.) 3.30% 3.71% 3.30% 3.36% 2.87% 2Q24 3Q24 4Q24 1Q25 2Q25 Total Criticized Loans as a % of Total Loans ($ Millions) ($ Millions) 0.39% 0.60% 0.53% 0.49% 0.61% 2Q24 3Q24 4Q24 1Q25 2Q25 NPAs/Total Assets GAAP Provision $15 (1) The provision for credit losses for each quarter is presented in the chart as GAAP reported, with the exception of 2Q25, which excludes notable items. Provision for credit losses excluding notable items is a non-GAAP financial measure. Quantitative reconciliations of the most directly comparable GAAP to non- GAAP financial measures are provided in the Appendix of this presentation

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Updated Management Financial Outlook for Full Year 2025 vs. 2024 14 2024 ($ Millions) Outlook for 2025 (1) Anticipated Drivers & Comments on Update End-of-Period Loans (including HFS) $13,633 High single-digit % growth (unchanged) ▪ Growth in 2H25 driven by strengthening production trends and frontline hiring Net Interest Income $428 High single-digit % growth (Outlook unchanged, drivers updated) ▪ Fewer Fed Funds rate cuts: two Fed Funds target rate cuts of 25bps each in Oct. and Dec. 2025 (versus cuts in June, Sep. & Dec. 2025 expected a quarter ago) ▪ ~$12MM of loan accretion income in 2025 from Territorial acquisition (vs. ~$14MM anticipated initially) ▪ Legacy securities portfolio repositioning contributes ~$6MM to interest income in 2H25 Noninterest Income (2) (excluding notable items) $47 Upper-20s % growth (updated) ▪ Continued positive momentum across broad base of fee income lines ▪ Full year of SBA loan sales in 2025, compared with three quarters in 2024 Noninterest Expense (2) (excluding notable items) $318 Low double-digit % growth (unchanged) ▪ Addition of Territorial to ongoing operations ▪ Continued investment in talent and technology to support Company growth Effective Tax Rate 25.1% ~ 21% ▪ Effective tax rate of 14% in each of 3Q25 and 4Q25 (1) The Financial Outlook for 2025 is presented as of July 22, 2025, reflects the Company's updated financial outlook for 2025 vs. actual results in 2024, and will not be updated or affirmed unless and until the Company publicly announces such update or affirmation. The Company's financial outlook for 2025 is dependent on macroeconomic factors, including, but not limited to, the impact of U.S. and global trade policies and tensions, changes to market interest rates, and reflects expectations as of the date of this presentation. The Financial Outlook for 2025 contains forward-looking statements and actual results or conditions may differ materially and adversely from those included in the Financial Outlook for 2025. Please refer to the "forward-looking statements" on Slide 2 of this presentation. (2) Noninterest income excluding notable items and noninterest expense excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the Appendix of this presentation.

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Appendix 15

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Summary Balance Sheet 16 ($ in millions, except per share data) 6/30/25 3/31/25 QoQ % change 6/30/24 YoY % change Cash and due from banks $689.7 $733.5 (6)% $654.0 5 % Investment securities 2,268.9 2,088.6 9 % 2,172.9 4 % Federal Home Loan Bank ("FHLB") stock and other investments 106.8 103.5 3 % 61.5 74 % Gross loans 14,446.8 13,335.5 8 % 13,635.3 6 % Allowance for credit losses (149.5) (147.4) 1 % (156.0) (4)% Goodwill and intangible assets 525.4 466.4 13 % 467.6 12 % Other assets 658.9 488.2 35 % 539.8 22 % Total assets $18,547.0 $17,068.3 9 % $17,375.1 7 % Deposits $15,943.4 $14,488.3 10 % $14,711.5 8 % Borrowings & other debt 140.0 209.9 (33) % 278.9 (50)% Other liabilities 239.5 210.1 14 % 273.4 (12)% Total liabilities $16,322.9 $14,908.3 9 % $15,263.8 7 % Total stockholders' equity $2,224.1 $2,160.0 3 % $2,111.3 5 % Book value per share $17.36 $17.84 (3)% $17.49 (1)% Tangible common equity ("TCE") per share(1) $13.26 $13.99 (5)% $13.61 (3)% Tangible common equity ratio(1) 9.43% 10.20% 9.72% Loan-to-deposit ratio 90.6% 92.0% 92.7% (1) TCE per share and TCE ratio are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the Appendix of this presentation.

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Summary Income Statement 17 ($ in thousands, except share and per share data) 2Q25 1Q25 QoQ % change 2Q24 YoY % change Net interest income before provision for credit losses $117,533 $100,817 17 % $105,860 11 % Provision for credit losses 15,000 4,800 213 % 1,400 971 % Provision for credit losses excluding notable items(1) 10,500 4,800 120 % 1,400 653 % Net interest income after provision for credit losses 102,533 96,017 7 % 104,460 (2)% Noninterest (loss) income (22,956) 15,688 N/A 11,071 N/A Noninterest income excluding notable items(1) 15,900 15,688 1% 11,071 44 % Noninterest expense 109,473 83,861 31 % 80,987 35 % Noninterest expense excluding notable items(1) 92,192 81,342 13 % 79,131 17 % (Loss) income before income taxes (29,896) 27,844 N/A 34,544 N/A Income tax (benefit) provision (2,015) 6,748 N/A 9,274 N/A Net (loss) income $(27,881) $21,096 N/A $25,270 N/A Net income excluding notable items(1) $24,531 $22,874 7 % $26,579 (8)% Earnings (Loss) Per Common Share ("EPS") – Diluted $(0.22) $0.17 $0.21 EPS excluding notable items(1) – Diluted $0.19 $0.19 $0.22 Weighted Average Shares Outstanding – Diluted 128,223,991 121,433,080 120,939,429 (1) Provision for credit losses excluding notable items, noninterest income excluding notable items, noninterest expense excluding notable items, net income excluding notable items, and diluted EPS excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the Appendix of this presentation.

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Appendix: Non-GAAP Financial Measures Reconciliation (cont'd) Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. 18 Tangible Common Equity (TCE) ($ in thousands, except share and per share info) 6/30/25 3/31/25 6/30/24 Total stockholders' equity $2,224,117 $2,160,033 $2,111,282 Goodwill and core deposit intangible assets, net (525,428) (466,405) (467,583) TCE $1,698,689 $1,693,628 $1,643,699 Total assets $18,547,017 $17,068,316 $17,375,091 Goodwill and core deposit intangible assets, net (525,428) (466,405) (467,583) Tangible assets $18,021,589 $16,601,911 $16,907,508 TCE ratio 9.43% 10.20% 9.72% Common shares outstanding 128,124,458 120,074,988 120,731,342 TCE per share $13.26 $13.99 $13.61 Pre-provision Net Revenue (PPNR) Excluding Notable Items ($ in thousands) 2Q25 1Q25 2Q24 Net interest income before provision $117,533 $100,817 $105,860 Noninterest income (22,956) 15,688 11,071 Revenue 94,577 116,505 116,931 Less: noninterest expense 109,473 83,861 80,987 PPNR $(14,896) $32,644 $35,944 Notable items: Loss on investment portfolio repositioning 38,856 — — FDIC special assessment expense (benefit) — — (309) Merger and restructuring related costs 17,281 2,519 2,165 Total notable items included in PPNR 56,137 2,519 1,856 PPNR, excluding notable items $41,241 $35,163 $37,800 ($ in thousands, except share and per share info) 2Q25 1Q25 2Q24 Net (loss) income $(27,881) $21,096 $25,270 Notable items: Merger-related provision for credit losses 4,461 — — Loss on investment portfolio repositioning 38,856 — — FDIC special assessment expense — — (309) Merger and restructuring-related costs 17,281 2,519 2,165 Total notable items included in pre-tax income 60,598 2,519 1,856 Tax effect on notable items in pre-tax income (13,064) (741) (547) Notable one-time impact from CA state tax apportionment law change 4,878 — — Total notable items, net of tax 52,412 1,778 1,309 Net income excluding notable items $24,531 $22,874 $26,579 Diluted common shares 128,223,991 121,433,080 120,939,429 EPS excluding notable items $0.19 $0.19 $0.22 Average assets $18,724,864 17,084,378 $17,256,638 ROA excluding notable items (annualized) 0.52% 0.54% 0.62% Average Equity $2,220,633 2,148,079 $2,097,108 ROE excluding notable items (annualized) 4.42% 4.26% 5.07% Average TCE $1,695,585 $1,681,446 $1,629,286 ROTCE excluding notable items (annualized) 5.79% 5.44% 6.53% Profitability & Ratios Excluding Notable Items

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Appendix: Non-GAAP Financial Measures Reconciliation Management reviews select non-GAAP financial measures in evaluating the Company's and the Bank's financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. 19 ($ in thousands) 2Q25 1Q25 2Q24 Noninterest expense $109,473 $83,861 $80,987 Notable items: FDIC special assessment expense — — 309 Merger and restructuring-related costs (17,281) (2,519) (2,165) Noninterest expense excluding notable items $92,192 $81,342 $79,131 Revenue $94,577 $116,505 $116,931 Loss on investment portfolio repositioning 38,856 — — Revenue excluding notable items $133,433 $116,505 $116,931 Efficiency ratio excluding notable items 69.09% 69.82% 67.67% Efficiency Ratio Excluding Notable Items ($ in thousands) 2Q25 1Q25 2Q24 Provision for credit losses $15,000 $4,800 $1,400 Notable merger-related provision for credit losses (4,461) — — Provision for credit losses excluding notable items $10,539 $4,800 $1,400 Provision for Credit Losses Excluding Notable Items ($ in thousands) 2Q25 1Q25 2Q24 (Loss) income before income taxes $(29,896) $27,844 $34,544 Notable items before tax effect 60,598 2,519 1,856 Income before tax excluding notable items $30,702 $30,363 $36,400 GAAP income tax (benefit) provision $(2,015) $6,748 $9,274 Tax effect on notable items in pre-tax income 13,064 741 547 Notable one-time impact from California state tax apportionment law change (4,878) — — Income tax provision excluding notable items $6,171 $7,489 $9,821 Effective tax rate excluding notable items 20.10% 24.66% 26.98% Effective Tax Rate Excluding Notable Items ($ in thousands) 2Q25 1Q25 2Q24 Noninterest (loss) Income $(22,956) $15,688 $11,071 Loss on investment portfolio repositioning 38,856 — — Noninterest income excluding notable items $15,900 $15,688 $11,071 Noninterest Income Excluding Notable Items

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## Exhibit 99.3

![hopebancorpa03a.jpg](hopebancorpa03a.jpg)

**News Release**

**HOPE BANCORP DECLARES QUARTERLY CASH DIVIDEND OF $0.14 PER SHARE**

**LOS ANGELES** - **July 22, 2025** - Hope Bancorp, Inc. (the "Company") (NASDAQ: HOPE) today announced that its Board of Directors declared a quarterly cash dividend of $0.14 per common share. The dividend is payable on or about August 15, 2025, to all stockholders of record as of the close of business on August 1, 2025.

**About Hope Bancorp, Inc.**

Hope Bancorp, Inc. (NASDAQ: HOPE) is the holding company of Bank of Hope, the only regional Korean American bank in the United States, with $18.55 billion in total assets as of June 30, 2025. With the addition of Territorial Savings, a division of Bank of Hope, effective April 2, 2025, the Company became the largest regional bank catering to multicultural customers across the continental United States and Hawaii. Headquartered in Los Angeles, the Bank provides a full suite of commercial, corporate and consumer loans, deposit and fee-based products and services, including commercial and commercial real estate lending, SBA lending, residential mortgage and other consumer lending; treasury management services, foreign currency exchange solutions, interest rate derivative products, and international trade financing, among others. The Bank operates 46 full-service branches in California, New York, New Jersey, Washington, Texas, Illinois, New York, New Jersey, Alabama and Georgia under the Bank of Hope banner, and 29 branches in Hawaii under the Territorial Savings banner. The Bank also operates SBA loan production offices, commercial loan production offices, and residential mortgage loan production offices throughout the United States, and a representative office in Seoul, South Korea. Bank of Hope is a California-chartered bank, and its deposits are insured by the FDIC to the extent provided by law. Bank of Hope is an Equal Opportunity Lender. For additional information, please go to www.bankofhope.com for Bank of Hope and www.tsbhawaii.bank for Territorial Savings, a division of Bank of Hope. By including the foregoing website address links, the Company does not intend to and shall not be deemed to incorporate by reference any material contained or accessible therein.

**Contacts:**

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| | |
|:---|:---|
| Julianna Balicka | Angie Yang |
| EVP & Chief Financial Officer | SVP, Director of Investor Relations  |
| 213-235-3235 | 213-251-2219 |
| <u>julianna.balicka@bankofhope.com</u>  | <u>angie.yang@bankofhope.com</u> |

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