Hope Bancorp, Inc. · NASDAQ:HOPE
Hope Bancorp — Q3 2026 Earnings Presentation
22 slides from Hope Bancorp's earnings presentation, Oct 28, 2026
Slide 1: 2026 Third Quarter Earnings Conference Call
2026 Third Quarter Earnings Conference Call October 28, 2026
Slide 2: Forward-Looking Statements & Additional Disclosures
Forward-Looking Statements & Additional Disclosures 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 statemen
Slide 3: Q3 2026 Financial Overview – Sustained Earnings Momentum
Q3 2026 Financial Overview – Sustained Earnings Momentum Capital – Strong Position and Disciplined Deployment • Total capital ratio of 13.92% and tangible common equity (“TCE”) ratio(1) of 9.28% at 09/30/26 • Continued capital returns through a quarterly common stock dividend of $0.14 per share • Co
Slide 4: Capital Ratios Supporting Continued Stockholder Returns
5.00% 6.50% 10.00% TCE Ratio Leverage Ratio CET1 Capital Ratio Total Capital Ratio Well Capitalized Regulatory Minimum Capital above well capitalized regulatory minimum Capital Ratios Supporting Continued Stockholder Returns • Regulatory capital ratios essentially stable quarter-over-quarter. At 09/
Slide 5: Well-Diversified Loan Portfolio, Diverse & Granular Deposit Base
Nonowner -Occupied CRE C&I Owner- Occupied CRE Residential Mortgage & Other Multifamily Residential Noninterest Bearing Demand Deposits Money Market, Interest Bearing Demand & Savings Deposits Time Deposits Well-Diversified Loan Portfolio, Diverse & Granular Deposit Base Loan Composition by Product
Slide 6: Growing Net Interest Income and Improving Net Interest Margin
Growing Net Interest Income and Improving Net Interest Margin • 3Q26 net interest income (“NII”) of $135MM, up 5% QoQ and 7% YoY, driven by earning-asset growth, higher loan yields and lower total deposit costs • 3Q26 NIM of 3.02%, up 6bps QoQ and 13bps YoY. QoQ margin expansion was supported by hig
Slide 7: Average Loans, Deposits, Yields & Rates
$12.4 $12.3 $12.2 $12.3 $12.4 $3.5 $3.5 $3.3 $3.4 $3.5 3Q25 4Q25 1Q26 2Q26 3Q26 Avg Interest Bearing ("IB") Deposits Avg Non IB Deposits 91% 93% 94% 94% 94% 2.88% 2.75% 2.64% 2.60% 2.58% 3.69% 3.52% 3.37% 3.31% 3.31% 4.46% 4.02% 3.75% 3.75% 3.79% 3Q25 4Q25 1Q26 2Q26 3Q26 Cost of Total Deposits (annu
Slide 8: Positive Momentum in Noninterest Income
Positive Momentum in Noninterest Income • 3Q26 noninterest income increased to $22MM, up $3.1MM or 17% QoQ, and up $6.7MM or 44% YoY • QoQ increase reflected growth in customer-related income and fees and SBA loan sale gains. In addition, recognized $3.1MM in net gains on sales of other loans, which
Slide 9: Noninterest Expense Discipline & Improved Efficiency
Noninterest Expense Discipline & Improved Efficiency 68.2% 68.2% 67.0% 66.6% 65.3% 67.6% 68.2% 66.9% 65.2% 63.6% 3Q25 4Q25 1Q26 2Q26 3Q26 Efficiency Ratio (GAAP) Efficiency Ratio (ex. notable items) $54.9 $57.9 $56.2 $56.9 $58.7 $11.6 $11.5 $10.6 $11.4 $11.7 $9.7 $9.8 $9.9 $10.3 $10.8 $19.7 $20.1 $1
Slide 10: Stable Asset Quality, Meaningfully Improved YoY
Stable Asset Quality, Meaningfully Improved YoY • Allowance for credit losses (“ACL”) of $154MM, and ACL coverage ratio 1.03% of loans receivable at 09/30/26, unchanged QoQ • Criticized loans essentially stable QoQ $335MM at 09/30/26; meaningfully down $38MM, or 10%, YoY • Criticized loan ratio at 2
Slide 11: Completed Strategic MANUBANK Acquisition on October 1, 2026
▪ $2.0B loan portfolio (net of subsequent SBA loan sale); spot coupon at 09/30/26: 5.69% (before purchase accounting (“P.A.”) adjustments) ▪ $2.6B in deposits; spot rate at 09/30/26: 2.22% (before P.A. adjustments) ▪ Estimated P.A. discount on loans of ~$90MM (interest rate, accretable and nonaccret
Slide 12: MANUBANK Provides Liquidity and Improves Funding Mix
MANUBANK Provides Liquidity and Improves Funding Mix 12 (1) Balances and loan-to-deposit ratios exclude purchase and other accounting adjustments. Loan balances are net of the subsequent SBA loan sale. (2) The net cash settlement reflects an estimated final closing statement and remains subject to a
Slide 13: Management Financial Outlook for Full-Year 2026 vs. 2025
Management Financial Outlook for Full-Year 2026 vs. 2025 Metric 2025 ($ Millions) Expected Outlook for 2026 (1) YoY Growth Comments End-of-Period Gross Loans $ 14,788 ~ 15% growth ▪ YoY growth reflects a combination of organic growth and acquired loan balances from the MANUBANK acquisition Total Rev
Slide 14: Appendix
APPENDIX
Slide 15: 3Q26: Summary Balance Sheet
3Q26: Summary Balance Sheet ($ in millions, except per share data) 09/30/2026 06/30/2026 QoQ % change 09/30/2025 YoY % change Cash and due from banks $491.9 $640.4 -23% $454.9 8% Investment securities 2,395.4 2,179.3 10% 2,266.0 6% Federal Home Loan Bank (“FHLB”) stock and other investments 66.1 70.
Slide 16: 3Q26: Summary Income Statement
3Q26: Summary Income Statement ($ in thousands, except share and per share data) 3Q26 2Q26 QoQ % change 3Q25 YoY % change Net interest income before provision for credit losses $135,365 $128,969 5% $126,557 7% Provision for credit losses 8,560 6,770 26% 8,710 -2% Net interest income after provision
Slide 17: 3Q26: Summary Profitability Ratios
3Q26: Summary Profitability Ratios (Ratios, except per share data; annualized, except as noted) 3Q26 2Q26 3Q25 Earnings per common share – diluted (not annualized) $0.28 $0.26 $0.24 Earnings per common share – diluted excluding notable items (not annualized)(1) $0.29 $0.27 $0.25 Return on average as
Slide 18: 3Q26: Non-GAAP Financial Measures Reconciliation
3Q26: Non-GAAP Financial Measures Reconciliation Management reviews select non-GAAP financial measures in evaluating the Company’s and the Bank’s financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures
Slide 19: 3Q26: Non-GAAP Financial Measures Reconciliation (cont'd)
3Q26: Non-GAAP Financial Measures Reconciliation (cont’d) Profitability & Ratios Excluding Notable Items ($ in thousands, except share and per share info) 3Q26 2Q26 3Q25 Net income (GAAP) $35,577 $33,031 $30,776 Notable items: Merger related costs 2,650 2,058 958 Total notable items included in pre-
Slide 20: 3Q26: Diversified CRE Portfolio with Low LTVs
3Q26: Diversified CRE Portfolio with Low LTVs Total CRE: Distribution by LTV (excl. SBA) < 50%, 57% 50% - 55%: 10% > 55% - 60%: 9% > 70%: 7%$8.5B CRE Portfolio (at 09/30/26) 47% Weighted Avg LTV(1) (1) Excludes loans held for sale. (2) Weighted average loan-to-value (“LTV”): Current loan balance div
Slide 21: 3Q26: Granular CRE Portfolio, Diversified by Submarket
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, $53 Greater SF Bay Area Other NorCal Manhattan Queens County Kings Co
Slide 22: Thank you
ih Thank you Hope Bancorp