# EDGAR Filing Document

**Accession Number:** 0001128361
**File Stem:** 0001128361-25-000042
**Filing Date:** 2025-10
**Character Count:** 101927
**Document Hash:** 74c847c32aa787afee6a0d1cf36d7c41
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001128361-25-000042.hdr.sgml**: 20251028

**ACCESSION NUMBER**: 0001128361-25-000042

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 36

**CONFORMED PERIOD OF REPORT**: 20251028

**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**: 20251028

**DATE AS OF CHANGE**: 20251028

**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:** 251421505

**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-20251028

**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**

**October 28, 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 October 28, 2025, Hope Bancorp, Inc. ("HOPE" or the "Company") issued a news release concerning its results of operations and financial condition for the third quarter and nine months ended and as of September 30, 2025. A copy of the October 28, 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, October 28, 2025, at 9:30 a.m. Pacific Time / 12:30 p.m. Eastern Time to review financial results for its third quarter ended and as of September 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 October 28, 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 November 21, 2025, to all stockholders of record as of the close of business on November 7, 2025. A copy of the October 28, 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 October 28, 2025, concerning the results of operations and financial condition for the third quarter ended and as of September 30, 2025.](hope-09302025ex991financia.htm)</u> |
| 99.2 | <u>[2025 Third Quarter Earnings Presentation, dated October 28, 2025.](a3q25hopeccdeck.htm)</u> |
| 99.3 | <u>[News release, dated October 28, 2025, announcing the declaration of a quarterly cash dividend.](hope-09302025ex993q32025di.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: October 28, 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 FINANCIAL RESULTS FOR THE THIRD QUARTER OF 2025**

**Net income of $30.8 million, up 28% year-over-year**

**LOS ANGELES** – October 28, 2025 – Hope Bancorp, Inc. (the "Company") (NASDAQ: HOPE), the holding company of Bank of Hope (the "Bank"), today reported unaudited financial results for its third quarter ended September 30, 2025.

For the three months ended September 30, 2025, the Company recorded net income of $30.8 million, or $0.24 per diluted common share, up 28% from net income of $24.2 million, or $0.20 per diluted share, for the three months ended September 30, 2024, and up from a net loss of $27.9 million, or $(0.22) per diluted common share, for the three months ended June 30, 2025. The second quarter of 2025 reported loss reflected notable items related to a securities portfolio repositioning, the completion of the Territorial Bancorp Inc. ("Territorial") acquisition on April 2, 2025, and a change to the California state tax apportionment law.

Excluding notable items<sup>(1)</sup>, net income for the third quarter of 2025 was $31.6 million, or $0.25 per diluted common share, up 26% from $25.2 million year-over-year, and up 29% from $24.5 million for the second quarter of 2025.

"We are pleased to report strong earnings growth for the third quarter of 2025, driven by the momentum that we have been building in our business lines. Net interest income grew a robust 8% quarter-over-quarter, which was our highest linked quarter organic growth in three years," commented Kevin S. Kim, Chairman, President and Chief Executive Officer. "In addition, positive operating leverage and lower credit costs contributed to the strong earnings growth and improved profitability this quarter."

"Highlights this quarter included diversified loan growth, lower cost of deposits and improved asset quality with a 10% reduction in criticized loans from June 30, 2025. We have been making sustained investments in talent at Bank of Hope to strengthen our loan production capabilities, and we remain focused on enhancing our deposit mix and reducing our cost of funds. The linked quarter net interest margin expansion of 20 basis points for the third quarter of 2025 was our widest since 2012."

"Our capital levels are strong, and our liquidity is ample. This quarter reflects progress that we have been making on our strategic priorities to improve our financial performance, laying a strong foundation for the coming years. I want to extend my gratitude to all the bankers at Bank of Hope for their unwavering dedication and commitment to excellence. Their hard work is the driving force behind our continued growth and success, and I am proud of what we are building together as the leading regional bank catering to multicultural customers across the continental United States and Hawaii," concluded Kim.

<sup>(1)</sup> &nbsp;&nbsp;&nbsp;&nbsp;Net income excluding notable items is a non-GAAP financial measure. Notable items in the third quarter of 2025 and in the third quarter of 2024 comprised merger-related expenses. Notable items in the second quarter of 2025 comprised a loss on restructuring of investment securities, merger-related items and an impact of California state tax law change. 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

**<u>Operating Results for the Third Quarter of 2025</u>**

***Net interest income and net interest margin.*** Net interest income before provision for credit losses totaled $126.6 million for the third quarter of 2025, an increase of $9.1 million, or 8%, compared with $117.5 million for the second quarter of 2025. Net interest margin for the third quarter of 2025 expanded by 20 basis points to 2.89%, up from 2.69% for the second quarter of 2025.

The quarter-over-quarter increase in net interest income and expansion in net interest margin were primarily driven by average loan growth, higher yields on earning assets, and a lower cost of interest bearing deposits. Quarter-over-quarter, the yield on average investment securities increased 52 basis points to 3.77% for the third quarter of 2025, reflecting a securities portfolio repositioning executed in the second quarter of 2025. For the third quarter of 2025, the yield on average loans was up five basis points sequentially to 5.93% and the cost of average interest bearing deposits decreased eight basis points sequentially to 3.69%.

***Noninterest income.*** For the third quarter of 2025, noninterest income totaled $15.4 million, compared with $(23.0) million for the second quarter of 2025. Noninterest income for the second quarter of 2025 included a net loss on sales of available-for-sale securities of $38.9 million, pre-tax, related to an investment securities portfolio repositioning executed in June 2025. Excluding the net loss on sales of securities, which the Company considered a notable item, noninterest income<sup>(2)</sup> for the third quarter of 2025 decreased $515 thousand quarter-over-quarter. Growth in deposit service fees, international service fees, loan-related fees, foreign exchange and wire fees was offset by decreases in customer swap fee income and lower net gains on the sale of SBA loans. The Company sold $48.1 million of SBA loans in the third quarter of 2025, compared with $67.4 million in the second quarter of 2025.

***Noninterest expense.*** Noninterest expense for the third quarter of 2025 totaled $96.9 million, down from noninterest expense of $109.5 million for the second quarter of 2025. Excluding notable items, which consisted of merger-related expenses, noninterest expense<sup>(2)</sup> for the third quarter of 2025 was $95.9 million, up 4% from $92.2 million for the second quarter of 2025. The quarter-over-quarter change in noninterest expense, excluding notable items<sup>(2)</sup>, was primarily driven by an increase in compensation-related costs, reflecting the Company's sustained investment in talent to support growth. Revenue growth outpaced expense growth, generating positive operating leverage, and the efficiency ratio, excluding notable items<sup>(2)</sup>, improved quarter-over-quarter to 67.5% for the third quarter of 2025, compared with 69.1% for the second quarter of 2025.

***Income tax provision (benefit) and tax rate.*** For the third quarter of 2025, the Company recorded a provision for income tax of $5.6 million, compared with an income tax benefit of $2.0 million for the second quarter of 2025. For the second quarter of 2025, tax expense and tax rate included the impact of several notable items: a net loss on sales of securities related to an investment securities repositioning, merger-related items, and a change in California's state tax apportionment law. For the third quarter of 2025, the reported effective tax rate was 15.4%.

<sup>(2)</sup> Noninterest income excluding notable items, 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 accompanying financial information on Table Pages 10 to 12.

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

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

***Total assets.*** At September 30, 2025, total assets totaled $18.51 billion, compared with $18.55 billion as of June 30, 2025.

***Loans.*** At September 30, 2025, gross loans totaled $14.62 billion, up 1.2%, or 4.8% annualized, from $14.45 billion at June 30, 2025. All major loan segments grew in the third quarter of 2025, led by residential mortgage, which increased 4.6% quarter-over-quarter.

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2024** |
|  | **Balance** | **Percentage** | **Balance** | **Percentage** | **Balance** | **Percentage** |
| Commercial real estate ("CRE") loans | $8418797 | 57.6% | $8385764 | 58.0% | $8630757 | 63.3% |
| Commercial and industrial ("C&I") loans | 3736497 | 25.6% | 3725295 | 25.8% | 3901368 | 28.6% |
| Residential mortgage and other loans | 2431605 | 16.6% | 2323728 | 16.1% | 1085863 | 7.9% |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans receivable | 14586899 | 99.8% | 14434787 | 99.9% | 13617988 | 99.8% |
| Loans held for sale | 33118 | 0.2% | 12051 | 0.1% | 25714 | 0.2% |
| &nbsp;&nbsp;&nbsp;&nbsp;Gross loans | $14620017 | 100.0% | $14446838 | 100.0% | $13643702 | 100.0% |

---

***Deposits.*** Total deposits of $15.83 billion at September 30, 2025, decreased 1% from $15.94 billion at June 30, 2025, reflecting a decrease in brokered deposits, partially offset by growth in customer deposit balances. During the third quarter of 2025, brokered deposits decreased $139.5 million, down 18% quarter-over-quarter. Noninterest bearing demand deposits grew 1% quarter-over-quarter.

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

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2024** |
|  | **Balance** | **Percentage** | **Balance** | **Percentage** | **Balance** | **Percentage** |
| Noninterest bearing demand deposits | $3507659 | 22.2% | $3485502 | 21.9% | $3722985 | 25.3% |
| Money market, interest bearing demand, and savings deposits | 5995488 | 37.9% | 6102999 | 38.3% | 5013305 | 34.0% |
| Time deposits | 6328115 | 39.9% | 6354854 | 39.8% | 5993208 | 40.7% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits | $15831262 | 100.0% | $15943355 | 100.0% | $14729498 | 100.0% |
| &nbsp;&nbsp;&nbsp;&nbsp;Gross loan-to-deposit ratio |  | 92.3% |  | 90.6% |  | 92.6% |

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

***Criticized loans.*** Criticized loans decreased $41.9 million, or 10%, to $372.9 million at September 30, 2025, down from $414.7 million at June 30, 2025, driven by improvement in C&I criticized loans, which decreased 17% quarter-over-quarter. Total classified loans were down $35.9 million, or 13%, and total special mention loans were down $5.9 million, or 4%, from June 30, 2025. The criticized loans to total loans ratio improved to 2.56% at September 30, 2025, down 31 basis points from 2.87% at June 30, 2025.

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

The following table sets forth the breakdown of criticized loans at September 30, 2025, June 30, 2025, and September 30, 2024:

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| | | | |
|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **9/30/2025** | **6/30/2025** | **9/30/2024** |
| Special mention loans | $131384 | $137313 | $184443 |
| Classified loans | 241481 | 277418 | 321283 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total criticized loans | $372865 | $414731 | $505726 |
| Criticized loans/total loans | 2.56% | 2.87% | 3.71% |

---

***Nonperforming assets.*** Nonperforming assets totaled $112.2 million, or 0.61% of total assets, at September 30, 2025, compared with $112.9 million, or 0.61% of total assets, at June 30, 2025.

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

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| | | | |
|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **9/30/2025** | **6/30/2025** | **9/30/2024** |
| Loans on nonaccrual status <sup>(1)</sup> | $110008 | $110739 | $103602 |
| Accruing delinquent loans past due 90 days or more | 2149 | 2149 | 226 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total nonperforming loans | 112157 | 112888 | 103828 |
| Other real estate owned |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total nonperforming assets | $112157 | $112888 | $103828 |
| Nonperforming assets/total assets | 0.61% | 0.61% | 0.60% |

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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, $15.3 million and $13.1 million at September 30, 2025, June 30, 2025, and September 30, 2024, respectively.

***Net charge offs.*** The Company recorded net charge-offs of $5.1 million for the third quarter of 2025, equivalent to 0.14%, annualized, of average loans. This compares with net charge-offs of $12.0 million, or 0.33%, annualized, of average loans for the second quarter of 2025. The quarter-over-quarter improvement reflects lower charge-offs in C&I loans.

***Allowance for credit losses.*** The allowance for credit losses totaled $152.5 million at September 30, 2025, compared with $149.5 million at June 30, 2025. The allowance coverage ratio was 1.05% of loans receivable at September 30, 2025, compared with 1.04% at June 30, 2025.

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

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| | | | |
|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **9/30/2025** | **6/30/2025** | **9/30/2024** |
| Allowance for credit losses | $152509 | $149505 | $153270 |
| Allowance for credit losses/loans receivable | 1.05% | 1.04% | 1.13% |

---

***Provision for credit losses.*** For the third quarter of 2025, the Company recorded provision for credit losses of $8.7 million. This compares with provision for credit losses of $15.0 million for the second quarter of 2025, which included $4.5 million of merger-related provision expenses that the Company considered a notable item. The quarter-over-quarter decrease in the provision for credit losses, excluding notable items<sup>(3)</sup>, largely reflected lower net charge-offs during the third quarter of 2025.

<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 September 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. All capital ratios increased quarter-over-quarter from June 30, 2025. The completion of the Territorial acquisition on April 2, 2025, impacted prior year capital ratio comparisons.

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

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| | | | | |
|:---|:---|:---|:---|:---|
| *(unaudited)* | **9/30/2025** | **6/30/2025** | **9/30/2024** | **Minimum Guideline for "Well-Capitalized"** |
| Common Equity Tier 1 Capital Ratio | 12.12% | 12.06% | 13.07% | 6.50% |
| Tier 1 Capital Ratio | 12.81% | 12.76% | 13.79% | 8.00% |
| Total Capital Ratio | 13.83% | 13.76% | 14.82% | 10.00% |
| Leverage Ratio | 10.85% | 10.57% | 11.61% | 5.00% |

---

At September 30, 2025, total stockholders' equity was $2.26 billion, an increase of 1% compared with $2.22 billion at June 30, 2025. Tangible common equity ("TCE") per share<sup>(4)</sup> was $13.51 at September 30, 2025, compared with $13.26 at June 30, 2025. The TCE ratio<sup>(4)</sup> was 9.63% at September 30, 2025, up 20 basis points compared with 9.43% at June 30, 2025.

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

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| | | | |
|:---|:---|:---|:---|
| *(unaudited)* | **9/30/2025** | **6/30/2025** | **9/30/2024** |
| TCE per share | $13.51 | $13.26 | $14.10 |
| TCE ratio | 9.63% | 9.43% | 10.08% |

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<sup>(4)&nbsp;&nbsp;&nbsp;&nbsp;</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 Pages 10 to 12.

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

**Investor Conference Call**

The Company previously announced that it will host an investor conference call on Tuesday, October 28, 2025, at 9:30 a.m. Pacific Time / 12:30 p.m. Eastern Time to review its unaudited financial results for its third quarter ended September 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 November 4, 2025, replay access code 7734578.

**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 $18.51 billion in total assets as of September 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 45 full-service branches in California, New York, New Jersey, Washington, Texas, Illinois, 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.

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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 |
| Executive Vice President & Chief Financial Officer |
| 213-235-3235 |
| <u>julianna.balicka@bankofhope.com</u>  |

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\# \# \#

(tables follow)

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**Hope Bancorp, Inc.**

**Selected Financial Data**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Assets:** | **9/30/2025** | **6/30/2025** | % change | **9/30/2024** | % change |
| Cash and due from banks | $454909 | $689734 | (34)% | $680857 | (33)% |
| Investment securities | 2266034 | 2268889 | —% | 2177301 | 4% |
| Federal Home Loan Bank ("FHLB") stock and other investments | 106411 | 106752 | —% | 57158 | 86% |
| Gross loans, including loans held for sale | 14620017 | 14446838 | 1% | 13643702 | 7% |
| Allowance for credit losses | (152509) | (149505) | 2% | (153270) | —% |
| Accrued interest receivable | 53159 | 53589 | (1)% | 51898 | 2% |
| Premises and equipment, net | 69152 | 69141 | —% | 51543 | 34% |
| Goodwill and intangible assets | 524503 | 525428 | —% | 467182 | 12% |
| Other assets | 566059 | 536151 | 6% | 377818 | 50% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total assets | $18507735 | $18547017 | —% | $17354189 | 7% |
| **Liabilities:** |  |  |  |  |  |
| Deposits | $15831262 | $15943355 | (1)% | $14729498 | 7% |
| FHLB and Federal Reserve Bank ("FRB") borrowings | 24878 | 29752 | (16)% | 100000 | (75)% |
| Subordinated debentures and convertible notes, net | 110610 | 110263 | —% | 109249 | 1% |
| Accrued interest payable | 74376 | 72004 | 3% | 107017 | (31)% |
| Other liabilities | 210713 | 167526 | 26% | 138640 | 52% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total liabilities | $16251839 | $16322900 | —% | $15184404 | 7% |
| **Stockholders' Equity:** |  |  |  |  |  |
| Common stock, $0.001 par value | $146 | $146 | —% | $138 | 6% |
| Additional paid-in capital | 1521669 | 1520129 | —% | 1442993 | 5% |
| Retained earnings | 1152810 | 1139913 | 1% | 1174100 | (2)% |
| Treasury stock, at cost | (264667) | (264667) | —% | (264667) | —% |
| Accumulated other comprehensive loss, net | (154062) | (171404) | 10% | (182779) | 16% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total stockholders' equity | 2255896 | 2224117 | 1% | 2169785 | 4% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and stockholders' equity | $18507735 | $18547017 | —% | $17354189 | 7% |
| Common stock shares – authorized | 300000000 | 300000000 |  | 300000000 |  |
| Common stock shares – outstanding | 128185271 | 128124458 |  | 120737908 |  |
| Treasury stock shares | 17382835 | 17382835 |  | 17382835 |  |

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Table Page 1

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**Hope Bancorp, Inc.**

**Selected Financial Data**

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

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| | **9/30/2025** | **6/30/2025** | % change | **9/30/2024** | % change | **9/30/2025** | **9/30/2024** | % change |
| &nbsp;&nbsp;Interest and fees on loans | $216859 | $211441 | 3% | $210022 | 3% | $623261 | $633331 | (2)% |
| &nbsp;&nbsp;Interest on investment securities | 21467 | 17769 | 21% | 16741 | 28% | 55128 | 51619 | 7% |
| &nbsp;&nbsp;Interest on cash and deposits at other banks | 5273 | 8783 | (40)% | 7507 | (30)% | 19261 | 39974 | (52)% |
| &nbsp;&nbsp;Interest on other investments and FHLB dividends | 1186 | 1177 | 1% | 814 | 46% | 3471 | 2435 | 43% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest income | 244785 | 239170 | 2% | 235084 | 4% | 701121 | 727359 | (4)% |
| &nbsp;&nbsp;Interest on deposits | 115425 | 118852 | (3)% | 127193 | (9)% | 347862 | 373803 | (7)% |
| &nbsp;&nbsp;Interest on borrowings | 2718 | 2785 | (2)% | 3082 | (12)% | 8267 | 27840 | (70)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | 118143 | 121637 | (3)% | 130275 | (9)% | 356129 | 401643 | (11)% |
| Net interest income before provision | 126642 | 117533 | 8% | 104809 | 21% | 344992 | 325716 | 6% |
| Provision for credit losses | 8710 | 15000 | (42)% | 3280 | 166% | 28510 | 7280 | 292% |
| Net interest income after provision | 117932 | 102533 | 15% | 101529 | 16% | 316482 | 318436 | (1)% |
| &nbsp;&nbsp;Service fees on deposit accounts | 3235 | 3106 | 4% | 2651 | 22% | 9262 | 7919 | 17% |
| &nbsp;&nbsp;Net gains on sales of SBA loans | 2774 | 3998 | (31)% | 2722 | 2% | 9903 | 4702 | 111% |
| &nbsp;&nbsp;Net (losses) gains on sales of securities available for sale |  | (38856) | (100)% | (326) | (100)% | (38856) | 99 | N/A |
| &nbsp;&nbsp;Other income and fees | 9376 | 8796 | 7% | 6792 | 38% | 27808 | 18476 | 51% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income (loss) | 15385 | (22956) | N/A | 11839 | 30% | 8117 | 31196 | (74)% |
| &nbsp;&nbsp;Salaries and employee benefits | 54910 | 52834 | 4% | 44160 | 24% | 156204 | 135844 | 15% |
| &nbsp;&nbsp;Occupancy | 9153 | 8884 | 3% | 6940 | 32% | 25203 | 20632 | 22% |
| &nbsp;&nbsp;Furniture and equipment | 7895 | 7817 | 1% | 5341 | 48% | 21425 | 16156 | 33% |
| &nbsp;&nbsp;Data processing and communications | 4231 | 3602 | 17% | 3112 | 36% | 10740 | 9099 | 18% |
| &nbsp;&nbsp;Amortization of investments in affordable housing partnerships | 3216 | 2430 | 32% | 2206 | 46% | 7607 | 6623 | 15% |
| &nbsp;&nbsp;FDIC assessment | 2942 | 2488 | 18% | 2200 | 34% | 7932 | 8129 | (2)% |
| &nbsp;&nbsp;FDIC special assessment |  |  | —% |  | —% |  | 691 | (100)% |
| &nbsp;&nbsp;Earned interest credit | 3529 | 3310 | 7% | 6869 | (49)% | 9926 | 18842 | (47)% |
| &nbsp;&nbsp;Merger and restructuring related costs | 958 | 17281 | (94)% | 1433 | (33)% | 20758 | 5044 | 312% |
| &nbsp;&nbsp;Other noninterest expense | 10027 | 10827 | (7)% | 9007 | 11% | 30400 | 26034 | 17% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense | 96861 | 109473 | (12)% | 81268 | 19% | 290195 | 247094 | 17% |
| Income (loss) before income taxes | 36456 | (29896) | N/A | 32100 | 14% | 34404 | 102538 | (66)% |
| Income tax provision (benefit) | 5613 | (2015) | N/A | 7941 | (29)% | 10346 | 27245 | (62)% |
| **Net income (loss)** | $**30843** | $**(27881)** | N/A | $**24159** | 28% | $**24058** | $**75293** | (68)% |
| Earnings (loss) per common share – diluted | $0.24 | $(0.22) |  | $0.20 |  | $0.19 | $0.62 |  |
| Weighted average shares outstanding – diluted | 128593874 | 128223991 |  | 121159977 |  | 126110136 | 121027793 |  |

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Table Page 2

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**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited*

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Nine Months Ended** | **For the Nine Months Ended** |
| **Profitability measures (annualized):** | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| &nbsp;&nbsp;Return on average assets ("ROA") | 0.67% | -0.60% | 0.56% | 0.18% | 0.56% |
| &nbsp;&nbsp;ROA excluding notable items <sup>(1)</sup> | 0.68% | 0.52% | 0.58% | 0.58% | 0.59% |
| &nbsp;&nbsp;Return on average equity ("ROE") | 5.52% | -5.02% | 4.52% | 1.46% | 4.73% |
| &nbsp;&nbsp;ROE excluding notable items <sup>(1)</sup> | 5.66% | 4.42% | 4.71% | 4.78% | 4.99% |
| &nbsp;&nbsp;Return on average tangible common equity ("ROTCE") <sup>(1)</sup> | 7.22% | -6.58% | 5.78% | 1.89% | 6.07% |
| &nbsp;&nbsp;ROTCE excluding notable items <sup>(1)</sup> | 7.39% | 5.79% | 6.02% | 6.21% | 6.40% |
| &nbsp;&nbsp;Net interest margin | 2.89% | 2.69% | 2.55% | 2.71% | 2.57% |
| &nbsp;&nbsp;Efficiency ratio (not annualized) | 68.20% | 115.75% | 69.67% | 82.18% | 69.23% |
| &nbsp;&nbsp;Efficiency ratio excluding notable items (not annualized) <sup>(1)</sup> | 67.52% | 69.09% | 68.44% | 68.74% | 67.62% |
| <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. |

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Table Page 3

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**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands)*

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **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** |
| | **9/30/2025** | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2024** | **9/30/2024** |
| | | **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 | $14518721 | $216859 | 5.93% | $14423923 | $211441 | 5.88% | $13574539 | $210022 | 6.16% |
| &nbsp;&nbsp;&nbsp;&nbsp;Investment securities | 2256228 | 21467 | 3.77% | 2192533 | 17769 | 3.25% | 2182847 | 16741 | 3.05% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest earning cash and deposits at other banks | 488992 | 5273 | 4.28% | 807979 | 8783 | 4.36% | 570754 | 7507 | 5.23% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB stock and other investments | 97584 | 1186 | 4.82% | 98052 | 1177 | 4.81% | 48956 | 814 | 6.61% |
| Total interest earning assets | $17361525 | $244785 | 5.59% | $17522487 | $239170 | 5.47% | $16377096 | $235084 | 5.71% |
| **INTEREST BEARING LIABILITIES:** |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Deposits: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market, interest bearing demand and savings | $6045464 | $49458 | 3.25% | $6278578 | $51884 | 3.31% | $4963727 | $50707 | 4.06% |
| &nbsp;&nbsp;&nbsp;&nbsp;Time deposits | 6359578 | 65967 | 4.12% | 6353525 | 66968 | 4.23% | 6053924 | 76486 | 5.03% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest bearing deposits | 12405042 | 115425 | 3.69% | 12632103 | 118852 | 3.77% | 11017651 | 127193 | 4.59% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB and FRB borrowings | 27286 | 273 | 3.97% | 48671 | 364 | 3.00% | 120326 | 329 | 1.09% |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debentures and convertible notes | 106485 | 2445 | 8.98% | 106150 | 2421 | 9.02% | 105152 | 2753 | 10.24% |
| Total interest bearing liabilities | $12538813 | $118143 | 3.74% | $12786924 | $121637 | 3.82% | $11243129 | $130275 | 4.61% |
| Noninterest bearing demand deposits | 3506559 |  |  | 3464085 |  |  | 3704088 |  |  |
| Total funding liabilities/cost of funds | $16045372 |  | 2.92% | $16251009 |  | 3.00% | $14947217 |  | 3.47% |
| Net interest income/net interest spread |  | $126642 | 1.85% |  | $117533 | 1.65% |  | $104809 | 1.10% |
| **Net interest margin** |  |  | **2.89%** |  |  | **2.69%** |  |  | **2.55%** |
| Cost of deposits: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest bearing demand deposits | $3506559 | $— | —% | $3464085 | $— | —% | $3704088 | $— | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing deposits | 12405042 | 115425 | 3.69% | 12632103 | 118852 | 3.77% | 11017651 | 127193 | 4.59% |
| Total deposits | $15911601 | $115425 | 2.88% | $16096188 | $118852 | 2.96% | $14721739 | $127193 | 3.44% |

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Table Page 4

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**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands)*

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| | **9/30/2025** | **9/30/2025** | **9/30/2025** | **9/30/2024** | **9/30/2024** | **9/30/2024** |
| | | **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 | $14136511 | $623261 | 5.89% | $13637335 | $633331 | 6.20% |
| &nbsp;&nbsp;&nbsp;&nbsp;Investment securities | 2178155 | 55128 | 3.38% | 2224972 | 51619 | 3.10% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest earning cash and deposits at other banks | 607549 | 19261 | 4.24% | 1004606 | 39974 | 5.32% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB stock and other investments | 94272 | 3471 | 4.92% | 48520 | 2435 | 6.70% |
| Total interest earning assets | $17016487 | $701121 | 5.51% | $16915433 | $727359 | 5.74% |
| **INTEREST BEARING LIABILITIES:** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Deposits: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market, interest bearing demand and savings | $5927729 | $151960 | 3.43% | $4994958 | $149560 | 4.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;Time deposits | 6131577 | 195902 | 4.27% | 5987121 | 224243 | 5.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest bearing deposits | 12059306 | 347862 | 3.86% | 10982079 | 373803 | 4.55% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB and FRB borrowings | 65441 | 993 | 2.03% | 672332 | 19612 | 3.90% |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debentures and convertible notes | 106153 | 7274 | 9.04% | 104824 | 8228 | 10.31% |
| Total interest bearing liabilities | $12230900 | $356129 | 3.89% | $11759235 | $401643 | 4.56% |
| Noninterest bearing demand deposits | 3439051 |  |  | 3724716 |  |  |
| Total funding liabilities/cost of funds | $15669951 |  | 3.04% | $15483951 |  | 3.46% |
| Net interest income/net interest spread |  | $344992 | 1.62% |  | $325716 | 1.18% |
| **Net interest margin** |  |  | **2.71%** |  |  | **2.57%** |
| Cost of deposits: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest bearing demand deposits | $3439051 | $— | —% | $3724716 | $— | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing deposits | 12059306 | 347862 | 3.86% | 10982079 | 373803 | 4.55% |
| Total deposits | $15498357 | $347862 | 3.00% | $14706795 | $373803 | 3.40% |

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Table Page 5

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**Hope Bancorp, Inc.**

**Selected Financial Data**

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

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| **AVERAGE BALANCES:** | **9/30/2025** | **6/30/2025** | % change | **9/30/2024** | % change | **9/30/2025** | **9/30/2024** | % change |
| Gross loans, including loans held for sale | $14518721 | $14423923 | 1% | $13574539 | 7% | $14136511 | $13637335 | 4% |
| Investment securities | 2256228 | 2192533 | 3% | 2182847 | 3% | 2178155 | 2224972 | (2)% |
| Interest earning cash and deposits at other banks | 488992 | 807979 | (39)% | 570754 | (14)% | 607549 | 1004606 | (40)% |
| Interest earning assets | 17361525 | 17522487 | (1)% | 16377096 | 6% | 17016487 | 16915433 | 1% |
| Goodwill and intangible assets | 525022 | 525048 | —% | 467419 | 12% | 505782 | 467822 | 8% |
| Total assets | 18545851 | 18724864 | (1)% | 17369169 | 7% | 18123718 | 17920176 | 1% |
| Noninterest bearing demand deposits | 3506559 | 3464085 | 1% | 3704088 | (5)% | 3439051 | 3724716 | (8)% |
| Interest bearing deposits | 12405042 | 12632103 | (2)% | 11017651 | 13% | 12059306 | 10982079 | 10% |
| Total deposits | 15911601 | 16096188 | (1)% | 14721739 | 8% | 15498357 | 14706795 | 5% |
| Interest bearing liabilities | 12538813 | 12786924 | (2)% | 11243129 | 12% | 12230900 | 11759235 | 4% |
| Stockholders' equity | 2234244 | 2220633 | 1% | 2139861 | 4% | 2201301 | 2121169 | 4% |
| **LOAN PORTFOLIO COMPOSITION:** | **9/30/2025** | **6/30/2025** | % change | **9/30/2024** | % change |  |  |  |
| Commercial real estate ("CRE") loans | $8418797 | $8385764 | —% | $8630757 | (2)% |  |  |  |
| Commercial and industrial ("C&I") loans | 3736497 | 3725295 | —% | 3901368 | (4)% |  |  |  |
| Residential mortgage and other loans | 2431605 | 2323728 | 5% | 1085863 | 124% |  |  |  |
| &nbsp;&nbsp;&nbsp; Loans receivable | 14586899 | 14434787 | 1% | 13617988 | 7% |  |  |  |
| Loans held for sale | 33118 | 12051 | 175% | 25714 | 29% |  |  |  |
| &nbsp;&nbsp;&nbsp; Gross loans | $14620017 | $14446838 | 1% | $13643702 | 7% |  |  |  |
| **CRE LOANS BY PROPERTY TYPE:** | **9/30/2025** | **6/30/2025** | % change | **9/30/2024** | % change |  |  |  |
| Multi-tenant retail | $1612673 | $1589994 | 1% | $1640769 | (2)% |  |  |  |
| Industrial warehouses | 1285752 | 1260991 | 2% | 1244891 | 3% |  |  |  |
| Multifamily | 1219701 | 1211785 | 1% | 1204734 | 1% |  |  |  |
| Gas stations and car washes | 1116447 | 1106007 | 1% | 1021537 | 9% |  |  |  |
| Mixed-use facilities | 665239 | 671144 | (1)% | 826045 | (19)% |  |  |  |
| Hotels/motels | 771089 | 754449 | 2% | 800707 | (4)% |  |  |  |
| Single-tenant retail | 629269 | 647374 | (3)% | 663178 | (5)% |  |  |  |
| Office | 330736 | 340329 | (3)% | 396131 | (17)% |  |  |  |
| All other | 787891 | 803691 | (2)% | 832765 | (5)% |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total CRE loans | $8418797 | $8385764 | —% | $8630757 | (2)% |  |  |  |
| **DEPOSIT COMPOSITION:** | **9/30/2025** | **6/30/2025** | % change | **9/30/2024** | % change |  |  |  |
| Noninterest bearing demand deposits | $3507659 | $3485502 | 1% | $3722985 | (6)% |  |  |  |
| Money market, interest bearing demand, and savings | 5995488 | 6102999 | (2)% | 5013305 | 20% |  |  |  |
| Time deposits | 6328115 | 6354854 | —% | 5993208 | 6% |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits | $15831262 | $15943355 | (1)% | $14729498 | 7% |  |  |  |

---

Table Page 6

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

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

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **CAPITAL & CAPITAL RATIOS:** | **9/30/2025** | **6/30/2025** | **9/30/2024** | | | | |
| Total stockholders' equity | $2255896 | $2224117 | $2169785 |  |  |  |  |
| Total capital | $2125254 | $2092212 | $2143477 |  |  |  |  |
| Common equity tier 1 ratio | 12.12% | 12.06% | 13.07% |  |  |  |  |
| Tier 1 capital ratio | 12.81% | 12.76% | 13.79% |  |  |  |  |
| Total capital ratio | 13.83% | 13.76% | 14.82% |  |  |  |  |
| Leverage ratio | 10.85% | 10.57% | 11.61% |  |  |  |  |
| Total risk weighted assets | $15368455 | $15206081 | $14466152 |  |  |  |  |
| Book value per common share | $17.60 | $17.36 | $17.97 |  |  |  |  |
| Tangible common equity ("TCE") per share <sup>(1)</sup> | $13.51 | $13.26 | $14.10 |  |  |  |  |
| TCE ratio <sup>(1)</sup> | 9.63% | 9.43% | 10.08% |  |  |  |  |
| <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** | **Nine Months Ended** | **Nine Months Ended** |
| **ALLOWANCE FOR CREDIT LOSSES CHANGES:** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| Balance at beginning of period | $149505 | $147412 | $150527 | $153270 | $156019 | $150527 | $158694 |
| Initial allowance for purchased credit deteriorated ("PCD") loans acquired |  | 63 |  |  |  | 63 |  |
| Provision for credit losses on loans | 8100 | 14000 | 5200 | 10100 | 3000 | 27300 | 8300 |
| Recoveries | 1517 | 2844 | 233 | 704 | 534 | 4594 | 3817 |
| Charge offs | (6613) | (14814) | (8548) | (13547) | (6283) | (29975) | (17541) |
| Balance at end of period | $152509 | $149505 | $147412 | $150527 | $153270 | $152509 | $153270 |
|  | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |  |  |
| Allowance for unfunded loan commitments | $3933 | $3323 | $2323 | $2723 | $2823 |  |  |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
|  | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| Provision for credit losses on loans | $8100 | $14000 | $5200 | $10100 | $3000 | $27300 | $8300 |
| Provision (credit) for unfunded loan commitments | 610 | 1000 | (400) | (100) | 280 | 1210 | (1020) |
| Provision for credit losses | $8710 | $15000 | $4800 | $10000 | $3280 | $28510 | $7280 |

---

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** | **Nine Months Ended** | **Nine Months Ended** |
| **NET LOAN CHARGE OFFS (RECOVERIES):** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| CRE loans | $(933) | $(843) | $899 | $156 | $372 | $(877) | $389 |
| C&I loans | 5978 | 11829 | 7384 | 12607 | 5287 | 25191 | 13259 |
| Residential mortgage and other loans | 51 | 984 | 32 | 80 | 90 | 1067 | 76 |
| &nbsp;&nbsp;&nbsp;Net loan charge offs | $5096 | $11970 | $8315 | $12843 | $5749 | $25381 | $13724 |
| Net charge offs/average loans (annualized) | 0.14% | 0.33% | 0.25% | 0.38% | 0.17% | 0.24% | 0.13% |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **NONPERFORMING ASSETS:** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |
| Loans on nonaccrual status <sup>(1)</sup> | $110008 | $110739 | $83808 | $90564 | $103602 |
| Accruing delinquent loans past due 90 days or more | 2149 | 2149 | 98 | 229 | 226 |
| &nbsp;&nbsp;**Total nonperforming loans** | **112157** | **112888** | **83906** | **90793** | **103828** |
| Other real estate owned ("OREO") |  |  |  |  |  |
| &nbsp;&nbsp;**Total nonperforming assets** | $**112157** | $**112888** | $**83906** | $**90793** | $**103828** |
| Nonperforming assets/total assets | 0.61% | 0.61% | 0.49% | 0.53% | 0.60% |
| Nonperforming loans/loans receivable | 0.77% | 0.78% | 0.63% | 0.67% | 0.76% |
| Nonaccrual loans/loans receivable | 0.75% | 0.77% | 0.63% | 0.67% | 0.76% |
| Allowance for credit losses/loans receivable | 1.05% | 1.04% | 1.11% | 1.11% | 1.13% |
| Allowance for credit losses/nonperforming loans | 135.98% | 132.44% | 175.69% | 165.79% | 147.62% |
| <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.3 million, $15.3 million, $11.8 million, $12.8 million, and $13.1 million, at September 30, 2025, June 30, 2025, March 31, 2025, December 31, 2024, and September 30, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.3 million, $15.3 million, $11.8 million, $12.8 million, and $13.1 million, at September 30, 2025, June 30, 2025, March 31, 2025, December 31, 2024, and September 30, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.3 million, $15.3 million, $11.8 million, $12.8 million, and $13.1 million, at September 30, 2025, June 30, 2025, March 31, 2025, December 31, 2024, and September 30, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.3 million, $15.3 million, $11.8 million, $12.8 million, and $13.1 million, at September 30, 2025, June 30, 2025, March 31, 2025, December 31, 2024, and September 30, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.3 million, $15.3 million, $11.8 million, $12.8 million, and $13.1 million, at September 30, 2025, June 30, 2025, March 31, 2025, December 31, 2024, and September 30, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.3 million, $15.3 million, $11.8 million, $12.8 million, and $13.1 million, at September 30, 2025, June 30, 2025, March 31, 2025, December 31, 2024, and September 30, 2024, respectively. |
| **NONACCRUAL LOANS BY TYPE:** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |
| CRE loans | $54016 | $55368 | $24106 | $23396 | $72228 |
| C&I loans | 45494 | 46945 | 50544 | 60807 | 24963 |
| Residential mortgage and other loans | 10498 | 8426 | 9158 | 6361 | 6411 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total nonaccrual loans | $110008 | $110739 | $83808 | $90564 | $103602 |

---

Table Page 8

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands)*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **ACCRUING DELINQUENT LOANS 30-89 DAYS PAST DUE:** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |
| 30 - 59 days past due | $15786 | $4909 | $11927 | $8681 | $10746 |
| 60 - 89 days past due | 5117 | 2841 | 27719 | 5164 | 1539 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total accruing delinquent loans 30-89 days past due | $20903 | $7750 | $39646 | $13845 | $12285 |
| **ACCRUING DELINQUENT LOANS 30-89 DAYS PAST DUE BY TYPE:** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |
| CRE loans | $14872 | $4377 | $4993 | $3205 | $816 |
| C&I loans | 3356 | 1084 | 27455 | 1288 | 9037 |
| Residential mortgage and other loans | 2675 | 2289 | 7198 | 9352 | 2432 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total accruing delinquent loans 30-89 days past due | $20903 | $7750 | $39646 | $13845 | $12285 |
| **CRITICIZED LOANS:** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |
| Special mention loans | $131384 | $137313 | $184659 | $179073 | $184443 |
| Classified loans | 241481 | 277418 | 264064 | 270896 | 321283 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total criticized loans | $372865 | $414731 | $448723 | $449969 | $505726 |

---

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")** | **9/30/2025** | **6/30/2025** | **9/30/2024** |  |  |
| Total stockholders' equity | $2255896 | $2224117 | $2169785 |  |  |
| Goodwill and core deposit intangible assets, net | (524503) | (525428) | (467182) |  |  |
| TCE | $1731393 | $1698689 | $1702603 |  |  |
| Total assets | $18507735 | $18547017 | $17354189 |  |  |
| Goodwill and core deposit intangible assets, net | (524503) | (525428) | (467182) |  |  |
| Tangible assets | $17983232 | $18021589 | $16887007 |  |  |
| TCE ratio | 9.63% | 9.43% | 10.08% |  |  |
| Common shares outstanding | 128185271 | 128124458 | 120737908 |  |  |
| TCE per share | $13.51 | $13.26 | $14.10 |  |  |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| **RETURN ON AVERAGE TANGIBLE COMMON EQUITY ("ROTCE")** | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| Average stockholders' equity | $2234244 | $2220633 | $2139861 | $2201301 | $2121169 |
| Average goodwill and core deposit intangible assets, net | (525022) | (525048) | (467419) | (505782) | (467822) |
| Average TCE | $1709222 | $1695585 | $1672442 | $1695519 | $1653347 |
| Net income (loss) | $30843 | $(27881) | $24159 | $24058 | $75293 |
| ROTCE (annualized) | 7.22% | -6.58% | 5.78% | 1.89% | 6.07% |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| **PROVISION FOR CREDIT LOSSES EXCLUDING NOTABLE ITEMS** | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| Provision for credit losses | $8710 | $15000 | $3280 | $28510 | $7280 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Merger-related provision for credit losses |  | (4461) |  | (4461) |  |
| Provision for credit losses excluding notable items | $8710 | $10539 | $3280 | $24049 | $7280 |

---

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** | **Nine Months Ended** | **Nine Months Ended** |
| **PRE-PROVISION NET REVENUE ("PPNR")** | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| Net interest income before provision for credit losses | $126642 | $117533 | $104809 | $344992 | $325716 |
| Noninterest income | 15385 | (22956) | 11839 | 8117 | 31196 |
| Revenue | 142027 | 94577 | 116648 | 353109 | 356912 |
| Less: Noninterest expense | 96861 | 109473 | 81268 | 290195 | 247094 |
| PPNR | $45166 | $(14896) | $35380 | $62914 | $109818 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Loss on investment portfolio repositioning | $— | $38856 | $— | $38856 | $— |
| &nbsp;&nbsp;&nbsp;FDIC special assessment expense |  |  |  |  | 691 |
| &nbsp;&nbsp;&nbsp;Merger and restructuring-related costs | 958 | 17281 | 1433 | 20758 | 5044 |
| &nbsp;&nbsp;&nbsp;Total notable items included in PPNR | 958 | 56137 | 1433 | 59614 | 5735 |
| PPNR, excluding notable items | $46124 | $41241 | $36813 | $122528 | $115553 |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| **PROFITABILITY RATIOS EXCLUDING NOTABLE ITEMS** | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| Net income (loss) | $30843 | $(27881) | $24159 | $24058 | $75293 |
| 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 |  |  |  |  | 691 |
| &nbsp;&nbsp;&nbsp;Merger and restructuring-related costs | 958 | 17281 | 1433 | 20758 | 5044 |
| &nbsp;&nbsp;&nbsp;Total notable items included in pre-tax income | 958 | 60598 | 1433 | 64075 | 5735 |
| &nbsp;&nbsp;&nbsp;Tax effect on notable items in pre-tax income | (208) | (13064) | (421) | (14013) | (1687) |
| &nbsp;&nbsp;&nbsp;Notable impact from California state tax apportionment law change |  | 4878 |  | 4878 |  |
| &nbsp;&nbsp;&nbsp;Total notable items, net of tax | 750 | 52412 | 1012 | 54940 | 4048 |
| Net income excluding notable items | $31593 | $24531 | $25171 | $78998 | $79341 |
| Diluted common shares | 128593874 | 128223991 | 121159977 | 126110136 | 121027793 |
| EPS excluding notable items | $0.25 | $0.19 | $0.21 | $0.63 | $0.66 |
| Average assets | $18545851 | $18724864 | $17369169 | $18123718 | $17920176 |
| ROA excluding notable items (annualized) | 0.68% | 0.52% | 0.58% | 0.58% | 0.59% |
| Average equity | $2234244 | $2220633 | $2139861 | $2201301 | $2121169 |
| ROE excluding notable items (annualized) | 5.66% | 4.42% | 4.71% | 4.78% | 4.99% |
| Average TCE | $1709222 | $1695585 | $1672442 | $1695519 | $1653347 |
| ROTCE excluding notable items (annualized) | 7.39% | 5.79% | 6.02% | 6.21% | 6.40% |

---

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** | **Nine Months Ended** | **Nine Months Ended** |
| **NONINTEREST INCOME EXCLUDING NOTABLE ITEMS** | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| Noninterest income (loss) | $15385 | $(22956) | $11839 | $8117 | $31196 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Loss on investment portfolio repositioning |  | 38856 |  | 38856 |  |
| Noninterest income excluding notable items | $15385 | $15900 | $11839 | $46973 | $31196 |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| **EFFICIENCY RATIO EXCLUDING NOTABLE ITEMS** | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| Noninterest expense | $96861 | $109473 | $81268 | $290195 | $247094 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;FDIC special assessment expense |  |  |  |  | (691) |
| &nbsp;&nbsp;&nbsp;Merger and restructuring-related costs | (958) | (17281) | (1433) | (20758) | (5044) |
| Noninterest expense excluding notable items | $95903 | $92192 | $79835 | $269437 | $241359 |
| Revenue | $142027 | $94577 | $116648 | $353109 | $356912 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Loss on investment portfolio repositioning |  | 38856 |  | 38856 |  |
| Revenue excluding notable items | $142027 | $133433 | $116648 | $391965 | $356912 |
| Efficiency ratio excluding notable items | 67.52% | 69.09% | 68.44% | 68.74% | 67.62% |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| **EFFECTIVE TAX RATE EXCLUDING NOTABLE ITEMS** | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| Income (loss) before income taxes | $36456 | $(29896) | $32100 | $34404 | $102538 |
| Notable items before tax effect | 958 | 60598 | 1433 | 64075 | 5735 |
| Income before tax excluding notable items | $37414 | $30702 | $33533 | $98479 | $108273 |
| GAAP income tax provision (benefit) | $5613 | $(2015) | $7941 | $10346 | $27245 |
| Tax effect on notable items in pre-tax income | 208 | 13064 | 421 | 14013 | 1687 |
| Notable impact from California state tax apportionment law change |  | (4878) |  | (4878) |  |
| Income tax provision excluding notable items | $5821 | $6171 | $8362 | $19481 | $28932 |
| Effective tax rate excluding notable items | 15.56% | 20.10% | 24.94% | 19.78% | 26.72% |

---

Table Page 12

## Exhibit 99.2

![](a3q25hopeccdeck001.jpg)

2025 Third Quarter Earnings Conference Call October 28, 2025

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![](a3q25hopeccdeck002.jpg)

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 & Ample Liquidity • Total capital ratio was 13.83% at 9/30/25 • Tangible common equity ("TCE") ratio(1) was 9.63% at 9/30/25 Deposits • Deposits of $15.8B at 9/30/25, -1% QoQ: decrease in brokered deposits partially offset by growth in customer deposits • Noninterest bearing demand deposits up 1% QoQ, represented 22% of total deposits at 9/30/25 • Cost of average total deposits down 8bps QoQ Loans • Gross loans of $14.6B at 9/30/25, up 1.2% QoQ (5% annualized), with growth across all major loan segments • Gross loan-to-deposit ratio of 92.3% at 9/30/25 • Average loan yield of 5.93% for 3Q25, up 5bps QoQ Asset Quality • Classified loans at 9/30/25 down 13% QoQ, represented 1.66% of total loans • Nonperforming assets ("NPA") of $112MM at 9/30/25, represented 0.61% of total assets Earnings • 3Q25 net income: $30.8MM, or $0.24 per diluted common share • Net income excluding notable items(1): $31.6MM in 3Q25, or $0.25(1) per diluted common share, up 29% QoQ • 3Q25 highlights: net interest income growth of 8% QoQ, net interest margin expansion of +20bps QoQ, positive operating leverage, and lower credit management costs Q3 2025 Financial Overview Total Capital & TCE Ratio(1) at 9/30/25 13.83% / 9.63% NPA/Total Assets at 9/30/25 0.61% Gross Loans at 9/30/25 $14.6B Total Deposits at 9/30/25 $15.8B 3 3Q25 GAAP Net Income / EPS $30.8MM / $0.24 3Q25 Net Income / EPS, excluding notable items (1) $31.6MM / $0.25 (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 Common Equity Tier 1 Capital Ratio • Robust capital ratios: All capital ratios increased QoQ; strong and well above requirements for "well-capitalized" financial institutions • Pro forma capital strong: Adjustments for the allowance for credit losses ("ACL") and hypothetical adjustments for investment security marks not otherwise already reflected in equity, still result in strong capital ratios • Dividend: Quarterly common stock dividend of $0.14 per share, or $0.56 per share annualized. Equivalent to a dividend yield of 5.20% at 9/30/25 • Equity: Increased book value per common share to $17.60 & TCE per share(1) to $13.51 at 9/30/25, up compared with book value per 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 Well Capitalized Reg. Minimum 6.50% Well Capitalized Reg. Minimum 10.00% Well Capitalized Reg. Minimum 5.00% 4 (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. \* Pro forma ratios at 9/30/25 are non-GAAP financial measures and reflect (a) inclusion of on- and off-balance sheet ACL not already in capital; (b) treatment of held-to-maturity ("HTM") securities as if they were available- for-sale ("AFS"), with unrealized losses in accumulated other comprehensive income ("AOCI"); and (c) removal of the AOCI opt-out in calculating regulatory capital.

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Diverse & Granular Deposit Base Deposit Composition by Product Type Noninterest Bearing Demand Deposits 22% Money Market, Interest Bearing Demand & Savings Deposits 38% Time Deposits 40% $15.8B Total Deposits (at 9/30/25) • Total deposits of $15.8B at 9/30/25, down 1% QoQ: planned decrease in brokered deposit balances, partially offset by growth in customer deposit balances • Noninterest bearing demand deposits up 1% QoQ, represented 22% of total deposits at 9/30/25 Deposit Composition by Customer Type 51% 50% 51% 46% 45% 39% 40% 40% 47% 48% 3% 3% 2% 2% 3% 7% 7% 7% 5% 4% 9/30/24 12/31/24 3/31/25 6/30/25 9/30/25 Commercial Consumer Public & Other Brokered Change in deposit composition reflected Territorial Savings Bank acquisition 5

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Well-Diversified Loan Portfolio Nonowner- Occupied CRE C&I Owner- Occupied CRE Residential Mortgage & Other Multifamily Residential $14.6B Gross Loans (at 9/30/25) $2.4B Avg Size: $0.4MM $4.5B Avg Size: $1.9MM $2.7B Avg Size: $2.3MM $3.7B Avg Size: $1.4MM $1.2B Avg Size: $2.4MM • Loan portfolio well-diversified across major loan types of nonowner- occupied CRE, C&I, owner-occupied CRE, residential mortgage, and multifamily residential loans • Gross loans totaled $14.6B at 9/30/25, up 1.2% QoQ or 5% annualized: well-diversified production, slower payoffs & paydowns in 3Q25 6 17% 8% 18% 26% 31% Held for Sale, 0.2% $33MM Avg Size: $1.2MM

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Net Interest Income & Net Interest Margin 7 Net Interest Income & Net Interest Margin ($ Millions) $105 $102 $101 $118 $127 2.55% 2.50% 2.54% 2.69% 2.89% 3Q24 4Q24 1Q25 2Q25 3Q25 2.89% 2.69% Increase in loan yield +5bps 3Q25 NIM change: +20bps QoQ Net Interest Income Net Interest Margin (annualized) QoQ Change in Net Interest Margin 2Q25 3Q25 Change in balance sheet mix +4bps Decrease in funding costs +5bps Increase in securities & other earning assets yield • 3Q25 net interest income of $127MM, up 8% QoQ: average loan growth, improved earning asset yields, and lower cost of funds • 3Q25 average investment yield up 52bps QoQ to 3.77%. Executed repositioning of investment securities portfolio in June 2025 • 3Q25 net interest margin ("NIM") of 2.89%, up 20bps QoQ, widest linked quarter expansion since 2012 +6bps

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6.16% 5.95% 5.88% 5.88% 5.93% 5.43% 4.82% 4.50% 4.50% 4.46% 3Q24 4Q24 1Q25 2Q25 3Q25 Avg Loan Yield (annualized) Avg Fed Funds Rate $11.0 $11.0 $11.1 $12.6 $12.4 $3.7 $3.6 $3.4 $3.5 $3.5 3Q24 4Q24 1Q25 2Q25 3Q25 Avg Interest Bearing ("IB") Deposits Avg Non IB Deposits 92% 93% 93% 90% 91% 3.44% 3.32% 3.18% 2.96% 2.88% 4.59% 4.38% 4.14% 3.77% 3.69% 5.43% 4.82% 4.50% 4.50% 4.46% 3Q24 4Q24 1Q25 2Q25 3Q25 Cost of Total Deposits (ann.) Cost of IB Deposits (ann.) Avg Fed Funds Rate Average Loans & Deposits, Yields & Rates Average Deposits Average Loans ($ Billions) ($ Billions) $13.6 $13.6 $13.5 $14.4 $14.5 0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 3Q24 4Q24 1Q25 2Q25 3Q25 Avg Loan-to-Deposit Ratio Cost of Average Deposits Relative to Fed Funds Rate Average Loan Yield Relative to Fed Funds Rate $16.1 $14.5$14.6$14.7 $15.9 8

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$2.7 $2.8 $2.9 $3.1 $3.2 $2.7 $3.1 $3.1 $4.0 $2.8 $6.4 $9.0 $9.7 $8.8 $9.4 3Q24 4Q24 1Q25 2Q25 3Q25 Service Fees on Deposit Accounts Net Gains on SBA Loan Sales Other Income & Fees $(23.0) Noninterest Income Noninterest Income (excluding notable items) (1) ($ Millions) $11.8 $14.9(2) $15.7 $15.9(3) • 3Q25 noninterest income totaled $15.4MM compared with $15.9MM, excluding notable items(3), for 2Q25 • Growth QoQ in deposit service fees, international service fees, loan- related fees, foreign exchange and wire fees • Sold $48MM of the guaranteed portion of SBA 7(a) loans during 3Q25 vs. $67MM in 2Q25. Recorded a net gain on sale of $2.8MM in 3Q25 compared to $4.0MM in 2Q25. 2Q25 gain on sale slightly elevated due to timing of sales that closed in March and April 2025 (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 GAAP Noninterest Income $15.9 $15.4 (2) 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 (3) Notable items in 2Q25 included a net loss on sales of securities AFS of $38.9MM 9 GAAP Noninterest Income

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69.7% 65.7% 72.0% 115.8% 68.2% 68.4% 65.8% 69.8% 69.1% 67.5% 3Q24 4Q24 1Q25 2Q25 3Q25 Efficiency Ratio (GAAP) Efficiency Ratio (ex. notable items) $44.2 $42.0 $48.5 $52.8 $54.9 $12.3 $12.3 $12.9 $16.7 $17.1 $23.3 $22.7 $19.9 $22.7 $23.9 3Q24 4Q24 1Q25 2Q25 3Q25 Salary & Employee Benefits Occupancy & FF&E Other Expenses Efficiency Ratio Noninterest Expense & Efficiency $79.8 $77.0 $81.3 $92.2 Noninterest Expense (excluding notable items) (1)(2) ($ Millions) • 3Q25 GAAP noninterest expense of $97MM, included $1MM of merger-related costs • Excluding notable items(2), 3Q25 noninterest expense of $96MM, up QoQ primarily driven by higher compensation-related costs, reflecting sustained investment in talent to support growth GAAP Noninterest Expense $77.6 $83.9 $109.5 (2) $81.3 $95.9 $96.9 (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 • 3Q25 revenue growth exceeded expense growth (excluding notable items(2)), generating positive operating leverage • 3Q25 efficiency ratio, excluding notable items(2), improved to 67.5% from 69.1% in 2Q25 10 Reflects the close of the Territorial Savings Bank acquisition on April 2, 2025

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$153 $151 $147 $150 $153 1.13% 1.11% 1.11% 1.04% 1.05% 9/30/24 12/31/24 3/31/25 6/30/25 9/30/25 ACL ACL Coverage Ratio • Improving asset quality metrics reflect prudent risk management • Allowance for credit losses ("ACL") coverage ratio: 1.05% of loans receivable as of 9/30/25 vs. 1.04% as of 6/30/25 • Criticized loans of $373MM at 9/30/25, down $42MM, or 10%, QoQ. Decreases in both special mention and classified loans. C&I criticized loans decreased 17% QoQ • Nonperforming assets ("NPA") of $112MM, or 0.61% of total assets at 9/30/25 • Net charge offs ("NCO"): $5MM in 3Q25, or 14bps of average loans, annualized. Net charge-offs down 57% QoQ • 3Q25 provision for credit losses of $9MM, compared with $15MM for 2Q25, which included a merger-related provision of $4.5MM. QoQ decrease in provision for credit losses, excluding merger-related items(1), primarily driven by lower net charge-offs Asset Quality Metrics Provision for Credit Losses(1) & Net Charge Offs Nonperforming Assets Ratio Allowance for Credit Losses & Coverage Ratio Criticized Loans Ratio $3 $10 $5 $11 $9 $6 $13 $8 $12 $5 0.17% 0.38% 0.25% 0.33% 0.14% 3Q24 4Q24 1Q25 2Q25 3Q25 Provision for Credit Losses NCO NCO Ratio (ann.) 3.71% 3.30% 3.36% 2.87% 2.56% 3Q24 4Q24 1Q25 2Q25 3Q25 Total Criticized Loans as a % of Total Loans ($ Millions) ($ Millions) 0.60% 0.53% 0.49% 0.61% 0.61% 3Q24 4Q24 1Q25 2Q25 3Q25 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 11

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Updated Management Financial Outlook for Full Year 2025 vs. 2024 12 Metric 2024 ($ Millions) Outlook for 2025 (1) Comments on Update End-of-Period Loans (including HFS) $13,633 High single-digit % growth (Unchanged) ▪ 4Q25 loan growth driven by continued strengthening of production trends, gains in frontline productivity and impact from frontline hiring Net Interest Income $428 ~ 10% growth (Updated) ▪ Forward interest rate curve assumes two Fed Funds rate cuts: 25bps each in Oct. and Dec. 2025 Noninterest Income (2) (excluding notable items) $47 ~ 30% growth (Updated) ▪ Continued positive momentum across broad base of fee income lines Noninterest Expense (2) (excluding notable items) $318 ~ 15% growth (Updated) ▪ Reflects investment in front line talent to support Company growth ▪ Expecting to generate sequential positive operating leverage in 4Q25 Memo: Effective Tax Rate (2) (excluding notable items) ▪ Anticipating 4Q25 effective tax rate of approximately 14%, excluding impact of notable items (1) The Financial Outlook for 2025 is presented as of October 28, 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, noninterest expense 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 Appendix of this presentation.

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Appendix 13

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Summary Balance Sheet ($ in millions, except per share data) 9/30/25 6/30/25 QoQ % change 9/30/24 YoY % change Cash and due from banks $454.9 $689.7 (34)% $680.9 (33)% Investment securities 2,266.0 2,268.9 0% 2,177.3 4% Federal Home Loan Bank ("FHLB") stock and other investments 106.4 106.8 0% 57.2 86% Gross loans 14,620.0 14,446.8 1% 13,643.7 7% Allowance for credit losses (152.5) (149.5) 2% (153.3) 0% Goodwill and intangible assets 524.5 525.4 0% 467.2 12% Other assets 688.4 658.9 4% 481.2 43% Total assets $18,507.7 $18,547.0 0% $17,354.2 7% Deposits $15,831.3 $15,943.4 (1)% $14,729.5 7% Borrowings & other debt 135.5 140.0 (3)% 209.2 (35)% Other liabilities 285.0 239.5 19% 245.7 16% Total liabilities $16,251.8 $16,322.9 0% $15,184.4 7% Total stockholders' equity $2,255.9 $2,224.1 1% $2,169.8 4% Book value per share $17.60 $17.36 1% $17.97 (2)% Tangible common equity ("TCE") per share(1) $13.51 $13.26 2% $14.10 (4)% TCE ratio(1) 9.63% 9.43% 10.08% Loan-to-deposit ratio 92.3% 90.6% 92.6% (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. 14

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Summary Income Statement ($ in thousands, except share and per share data) 3Q25 2Q25 QoQ % change 3Q24 YoY % change Net interest income before provision for credit losses $126,642 $117,533 8% $104,809 21% Provision for credit losses 8,710 15,000 (42)% 3,280 166% Provision for credit losses excluding notable items(1) 8,710 10,539 (17)% 3,280 166% Net interest income after provision for credit losses 117,932 102,533 15% 101,529 16% Noninterest income (loss) 15,385 (22,956) N/A 11,839 30% Noninterest income excluding notable items(1) 15,385 15,900 (3)% 11,839 30% Noninterest expense 96,861 109,473 (12)% 81,268 19% Noninterest expense excluding notable items(1) 95,903 92,192 4% 79,835 20% Income (loss) before income taxes 36,456 (29,896) N/A 32,100 14% Income tax provision (benefit) 5,613 (2,015) N/A 7,941 (29)% Net income (loss) $30,843 $(27,881) N/A $24,159 28% Net income excluding notable items(1) $31,593 $24,531 29% $25,171 26% Earnings (Loss) Per Common Share ("EPS") – Diluted $0.24 $(0.22) $0.20 EPS excluding notable items(1) – Diluted $0.25 $0.19 $0.21 Weighted Average Shares Outstanding – Diluted 128,593,874 128,223,991 121,159,977 (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. 15

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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. Tangible Common Equity (TCE) ($ in thousands, except share and per share info) 9/30/25 6/30/25 9/30/24 Total stockholders' equity $2,255,896 $2,224,117 $2,169,785 Goodwill and core deposit intangible assets, net (524,503) (525,428) (467,182) TCE $1,731,393 $1,698,689 $1,702,603 Total assets $18,507,735 $18,547,017 $17,354,189 Goodwill and core deposit intangible assets, net (524,503) (525,428) (467,182) Tangible assets $17,983,232 $18,021,589 $16,887,007 TCE ratio 9.63% 9.43% 10.08% Common shares outstanding 128,185,271 128,124,458 120,737,908 TCE per share $13.51 $13.26 $14.10 Pre-provision Net Revenue (PPNR) Excluding Notable Items ($ in thousands) 3Q25 2Q25 3Q24 Net interest income before provision $126,642 $117,533 $104,809 Noninterest income 15,385 (22,956) 11,839 Revenue 142,027 94,577 116,648 Less: noninterest expense 96,861 109,473 81,268 PPNR $45,166 $(14,896) $35,380 Notable items: Loss on investment portfolio repositioning — 38,856 — Merger and restructuring related costs 958 17,281 1,433 Total notable items included in PPNR 958 56,137 1,433 PPNR, excluding notable items $46,124 $41,241 $36,813 ($ in thousands, except share and per share info) 3Q25 2Q25 3Q24 Net income (loss) $30,843 $(27,881) $24,159 Notable items: Merger-related provision for credit losses — 4,461 — Loss on investment portfolio repositioning — 38,856 — Merger and restructuring-related costs 958 17,281 1,433 Total notable items included in pre-tax income 958 60,598 1,433 Tax effect on notable items in pre-tax income (208) (13,064) (421) Notable impact from CA state tax apportionment law change — 4,878 — Total notable items, net of tax 750 52,412 1,012 Net income excluding notable items $31,593 $24,531 $25,171 Diluted common shares 128,593,874 128,223,991 121,159,977 EPS excluding notable items $0.25 $0.19 $0.21 Average assets $18,545,851 18,724,864 $17,369,169 ROA excluding notable items (annualized) 0.68% 0.52% 0.58% Average Equity $2,234,244 2,220,633 $2,139,861 ROE excluding notable items (annualized) 5.66% 4.42% 4.71% Average TCE $1,709,222 $1,695,585 $1,672,442 ROTCE excluding notable items (annualized) 7.39% 5.79% 6.02% Profitability & Ratios Excluding Notable Items 16

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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. ($ in thousands) 3Q25 2Q25 3Q24 Noninterest expense $96,861 $109,473 $81,268 Notable items: Merger and restructuring-related costs (958) (17,281) (1,433) Noninterest expense excluding notable items $95,903 $92,192 $79,835 Revenue $142,027 $94,577 $116,648 Loss on investment portfolio repositioning — 38,856 — Revenue excluding notable items $142,027 $133,433 $116,648 Efficiency ratio excluding notable items 67.52% 69.09% 68.44% Efficiency Ratio Excluding Notable Items ($ in thousands) 3Q25 2Q25 3Q24 Provision for credit losses $8,710 $15,000 $3,280 Notable merger-related provision for credit losses — (4,461) — Provision for credit losses excluding notable items $8,710 $10,539 $3,280 Provision for Credit Losses Excluding Notable Items ($ in thousands) 3Q25 2Q25 3Q24 Income (loss) before income taxes $36,456 $(29,896) $32,100 Notable items before tax effect 958 60,598 1,433 Income before tax excluding notable items $37,414 $30,702 $33,533 GAAP income tax provision (benefit) $5,613 $(2,015) $7,941 Tax effect on notable items in pre-tax income 208 13,064 421 Notable impact from California state tax apportionment law change — (4,878) — Income tax provision excluding notable items $5,821 $6,171 $8,362 Effective tax rate excluding notable items 15.56% 20.10% 24.94% Effective Tax Rate Excluding Notable Items ($ in thousands) 3Q25 2Q25 3Q24 Noninterest income (loss) $15,385 $(22,956) $11,839 Loss on investment portfolio repositioning — 38,856 — Noninterest income excluding notable items $15,385 $15,900 $11,839 Noninterest Income Excluding Notable Items 17 Appendix: Non-GAAP Financial Measures Reconciliation (cont'd)

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Diversified CRE Portfolio with Low LTVs Total CRE: Distribution by LTV (excl. SBA) < 50%: 58% 50% - 55%: 12% > 55% - 60%: 9% > 60% - 65%: 7% > 65% - 70% > 70%: 8%$8.4B CRE Portfolio (at 9/30/25) 47% 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 9/30/25. 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 9/30/25 with no central business district exposure $8.4B CRE Portfolio (at 9/30/25) 6% As a % of Total Loans: Avg Loan Size: Weighted Avg LTV(1): 11% Multi-tenant Retail $1,613MM $2.5MM 41.3% 9% Industrial & Warehouse $1,286MM $2.6MM 41.3% 8% Multifamily $1,220MM $2.4MM 59.3% 8% Gas Station & Car Wash $1,116MM $1.9MM 49.7% 5% Hotel/Motel $771MM $2.2MM 40.5% 5% Mixed Use $665MM $1.8MM 49.0% 4% Single-tenant Retail $629MM $1.4MM 45.9% 2% Office $331MM $1.9MM 55.5% 6% All Other $788MM $1.6MM 41.6% 18

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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 SoCal San Francisco, $46 Greater SF Bay Area Other NorCal Manhattan Queens County Kings County Other New York New Jersey Texas Washington Arizona Illinois Georgia Nevada Other States 9/30/2025 CRE Portfolio by Geographic Submarket ($ Millions) Granular CRE Portfolio, Diversified by Submarket Loan Size (at 9/30/25) Balance ($ Millions) # of Loans Average Loan Size ($ Millions) Weighted Average LTV(1) > $30MM $323 8 $40.4 62.7% $20MM - $30MM 596 25 23.8 49.8% $10MM - $20MM 1,226 90 13.6 51.2% $5MM - $10MM 1,681 243 6.9 48.6% $2MM - $5MM 2,339 748 3.1 46.0% < $2MM 2,254 2,975 0.8 39.7% Total CRE Portfolio $8,419 4,089 $2.1 46.5% • 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 9/30/25) SoCal NorCal NY/NJ Texas Washington Arizona Illinois Georgia Nevada Other 19

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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** - **October 28, 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 November 21, 2025, to all stockholders of record as of the close of business on November 7, 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 $18.51 billion in total assets as of September 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 45 full-service branches in California, New York, New Jersey, Washington, Texas, Illinois, 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 |
| Executive Vice President & Chief Financial Officer |
| 213-235-3235 |
| <u>julianna.balicka@bankofhope.com</u>  |

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