Raymond James 2016 U.S. Bank Conference
Wednesday, September 7, 2016 Chicago
1 Forward Looking Statements
This presentation may contain statements regarding future events or the future financial performance of the Company, including future financial and operating results, benefits and synergies of the merger of equals between BBCN Bancorp and Wilshire Bancorp, and other statements about the future expectations, beliefs, goals, plans or prospects of the management of the combined company. Such forward‐looking statements are based on current expectations, estimates, forecasts and projections and management assumptions about the future performance of Hope Bancorp, as well as the businesses and markets in which operate. These statements constitute forward‐looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. Words such as “expects,” “believes,” “estimates,” “anticipates,” “targets,” “goals,” “projects,” “intends,” “plans, “seeks,” and variations of such words and similar expressions are intended to identify such forward‐looking statements which are not statements of historical fact. These forward‐looking statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions that are difficult to assess. Actual outcomes and results may differ materially from what is expressed or forecasted in such forward‐looking statements. 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 the organization and achieving anticipated synergies, cost savings and other benefits from the transaction; higher than anticipated integration costs; deposit attrition, operating costs, customer loss and business disruption following the merger, including difficulties in maintaining relationships with employees, may be greater than expected; competitive pressures among depository and other financial institutions may increase significantly and have an effect on revenues; the strength of the United States economy in general, and of the local economies in which the combined company will operate, may be different than expected, which could result in, among other things, a deterioration in credit quality or a reduced demand for credit and have a negative effect on the combined company’s loan portfolio and allowance for loan losses; changes in the U.S. legal and regulatory framework; and adverse conditions in the stock market, the public debt market and other capital markets (including changes in interest rate conditions) which would negatively affect the combined company’s business and operating results.
NOTE: This presentation contains selected pro forma combined financial information as if the merger of BBCN and Wilshire had occurred on June 30, 2016. This pro forma information is intended to illustrate certain financial effects of the merger, which was completed on July 29, 2016, and is subject to change during the measurement period as the Company finalizes various valuations of the assets acquired.
2 Major Milestones Completed 2nd - Last 5 Years - Merger of Equals Creating Only Super Regional Korean‐ American Bank in the United States
st Expanded Completed 1 Established Signed MOE Chicago Merger of Equals Seoul Rep Agreement Operations Transformed the Office with Wilshire Foster Korean‐American Bank banking landscape Acquisition
Expanded Completed Seattle Integration Operations New Systems and PI Bank Business Unit Product Acquisition Consolidation Launch New Equipment Product Lease Launches Financing Credit Card Wealth Management Residential Mortgage
Dec Feb Aug Dec Apr Nov Dec Dec Jul Nov 30 Dec 31 Dec 31 Dec 31 Dec 31 Dec 31 2013 2013 2013 2013 2014 2014 2014 2015 2016 2011 2011 2012 2013 2014 2015
Completed Physical Enhanced BBCN’s Improved Stability, Invested Diversified Offerings, Cemented Integration Geographic Footprint in New Capabilities Solidified Leadership Leadership
3 New Brand Identity
Logo Brand Identity Goals: Development •Blues personify the •Memorable and Strength of our Bank Engaging •Greens embody Growth, •Simple and Striking Progress and Movement •Easy to Pronounce •Yellows symbolize •Timeless Opportunities in Hope •The flag represents Pride •Gradient colors built with •We are first and Bank and Dreams Blue‐Green, Green and foremost Bankers •Bars symbolize Yellow‐Green are unique •Our customers come to + Relationships between to us, and we call this us for our Expertise Bank of Hope and unique expression of •Most importantly, Bank Hope Constituents color “Hope Green” of Hope would not have •Design includes the letter been born without the = “H” and is symbolic of support and patronage of Elevated Steps and Hope Green its Community Bank of Hope Forward Progress “Bank of Hope” conveys the strength and stability of a Bank, while being Aspirational, Relatable and Understandable to All Generations and Ethnicities.
Naming Color Selection Process
4 Company Profile Today
• Only super regional Korean‐American bank in the nation – 3rd largest Asian‐American bank in the U.S.1 – 6th largest bank headquartered in Los Angeles1 – 82nd largest financial institution in the U.S.2 – Created through successful merger of BBCN and Wilshire • Bringing together 2 high‐performing banks • Combining top 2 lenders in the Korean‐American banking space – Highest lending capacity among niche peers – Top 10 SBA lender in the country by volume – Only Korean‐American bank with presence in Korea – Only Korean‐American bank (formerly known as BBCN Bank) ever to be listed on Forbes’ list of “Best Banks in America” • 2013 2014 2015 2016 • Leading national presence with full‐service branch operations in 9 states – strategically located in high density Korean‐American communities – Presence in 2 additional states with specialized Loan Production Offices – Dominant bank of Korean‐American deposits in all core geographic markets HOPE • Seasoned and experienced management and board • Most comprehensive product offering • Publicly traded on Nasdaq since 1998
1Source: S&P Global (formerly SNL) 2Source: Federal Reserve Statistical Release as of March 31, 2016; Insured U.S.‐chartered commercial banks ranked by consolidated assets 5 National Geographic Presence
Nationwide footprint with meaningful presence, providing full banking services to the largest Asian‐American communities in the U.S.
Seattle (4 branches + 1 SBA LPO)
Portland SBA LPO New York/ New Jersey (16 branches) Northern Illinois California (8 branches) DC Metro (2 branches + 1 LPO) (2 branches) Denver LPO
Southern Georgia California (1 branch + 1 SBA LPO) (48 branches + 2 Texas ResiMortgage LPOs) (3 branches + 1 SBA LPO) Alabama (1 branch)
6 Strong Track Record of Growth
Loans Receivable Total Deposits Total Assets
($ billions) ($ billions) ($ billions) $7.91
$6.25 $6.34 $7.14 $5.57 $5.69 $6.48 $5.07 $5.15 $5.64 $4.30 $4.38 $5.17 $3.74 $3.8 $3.94 $3.8 $4.7 $3.3 $3.4 $4.2 $2.9 $2.9 $3.6 $2.2 $2.2 $2.2 $2.0 $2.7 $2.8
2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 14% 13% 11% CAGR CAGR CAGR 18% 15% 15%
Legacy BBCN Bancorp, Inc. Former Wilshire Bancorp, Inc. 7 Strong Organic Loan Growth - Supplemented by Strategic Growth -
Loans Receivable New Loan Originations
$ billions $ billions $1.693 $10.44 5% $1.328 $550.2 62% $1.139 $1.093 $304.1 (Wilshire) Q4 $6.25 $322.9 Q3 $5.57 12% $371.2 $431.9 $5.07 10% $382.3 Q2 $4.30 9% 9% Q1 $3.74 15% $387.6 $496.2 $312.7 $360.2 $343.7 $208.0 $241.5 $ millions $298.4 $350.8 $333.5 $167.6 $220.9
12/31/2011 12/31/2012 12/31/2013 12/31/2014 12/31/2015 6/30/2016 2012 2013 2014 2015 2016 Pro forma
Organic Growth Strategic Growth 8 Q2 2016 Financial Highlights
Legacy BBCN Former Wilshire
Net income totaled $17.4 million, or $0.22 Net income totaled $23.4 million, or $0.29 per share, including merger‐related expenses per share, including merger‐related expenses of $527,000 Strong of $1.5 million ROAA of 1.46%, ROAE of 12.51%, included ROAA of 1.15%, ROAE of 9.67% Profitability gain on sale of OREO of $3.7 million Efficiency ratio of 49.34% notwithstanding Efficiency ratio of 44.16% benefited from merger‐related expenses gain on sale of OREO
Strong Loan Record 2nd quarter originations of $496.2 Loan originations of $408.1 million million Loans receivable (net of deferred fees and Growth Loans receivable increase 3.3% from 3/31/16 costs) increase 1.5% from 3/31/16
Total deposits increase of 2.6% to $6.64 Total deposits increase of 4.1% to $4.01 Solid DDA billion from 3/31/16 billion from 3/31/16 Growth Noninterest‐bearing demand deposits Noninterest‐bearing demand deposits increase 1.3% from 3/31/16 increase 2.5% from 3/31/16
General improvements and stability in asset Sound Continued stability in asset quality and a low quality trends with declines in all problem level of charge‐offs Credit loan categories
9 Profitability Measurements
ROAA ROAE 1.50% 13.00% 1.46% 12.51%
1.30% 11.00%
1.15% 9.67% 1.10% 1.10% 9.00% 8.92%
0.90% 7.00% 2Q15 3Q15 4Q15 1Q16 2Q16 2Q15 3Q15 4Q15 1Q16 2Q16
Net Interest Margin Efficiency Ratio 65.00% 4.00% 60.00% 3.80% 56.53% 55.00% 3.67% 3.60% 3.53% 50.00% 49.34% 3.40% 45.00% 44.16% 3.20% 40.00% 2Q15 3Q15 4Q15 1Q16 2Q16 2Q15 3Q15 4Q15 1Q16 2Q16
Legacy BBCN Bancorp, Inc. Note: Peer Group includes continental U.S. commercial banks with total assets between Former Wilshire Bancorp, Inc. 70% and 200% of BBCN Bank as of 12/31/15, excluding banks with extremely Peer Group aberrant balance sheet structures. Source: S&P Global 10 Loan Portfolio by Region
$10.4 billion (pro forma as of 6/30/2016) Southern California • 1986: Founded by Los Angeles‐based Korean‐ Others American investors 9% Pacific Northern California Northwest • 1997: Expanded de novo into Northern California; 3% Acquired Asiana Bank in 2003 Texas Midwest 3% Eastern Region 3% • 1998: Expanded into New York/New Jersey through multiple acquisitions Eastern Region Midwest 15% • 2004: Expanded into Chicago through branch Southern acquisition; Acquired Foster Bank in 2013 California 61% Pacific Northwest Northern • 2005: Expanded de novo into Seattle; Acquired California Pacific International Bank in 2013 6% Southwest and Southeast • 2016: Expanded into Texas, Georgia and Alabama through merger with Wilshire Bancorp
Diverse national footprint spreads credit risk and provides greater growth opportunities
Note: Region based on collateral location 11 Loan Portfolio Composition (as of 6/30/2016)
BBCN Wilshire Pro Forma
2% 7% 4% 17% 23% 19% 29% 26% 21%
52% 49% 51%
$6.59 Billion $3.85 Billion $10.44 Billion
Owner‐Occupied Nonowner‐Occupied Commercial & Industrial Consumer
12 Loan Portfolio Rate Sensitivity (as of 6/30/2016)
BBCN Wilshire Pro Forma
Variable Variable Variable 47% 42% 45% $3.48 Billion $2.27 Billion $5.75 Billion @4.62% 1 @4.31% 1 @4.50% 1
$3.10 Billion $1.62 Billion $4.70 Billion 1 1 @4.11% Fixed @4.22% Fixed @4.14% 1 Fixed 53% 58% 55%
Loans with Floors Loans with Floors Loans with Floors $276.0 Million $267.2 Million $543.2 Million
Avg Size Avg Size Avg Size Loan Type Avg Yield Avg Yield Avg Yield ($ thousands) ($ thousands) ($ thousands)
CRE $1,395 4.46% $1,115 4.39% $1,285 4.43%
C&I $390 4.05% $272 3.97% $328 4.02%
Consumer $79 3.84% $456 4.01% $175 3.95%
Total Portfolio 4.38% 4.27% 4.34%
1The weighted average yield on the variable rate and fixed rate loan portfolios as presented excludes loan discount accretion. 13 CRE Portfolio By Property Type (as of 6/30/2016)
BBCN Wilshire Pro Forma
14% 18% 21% 26% 33% 36%
20% 12% 39% 26% 4% 13% 10% 9% 12% 7%
$5.33 Billion $3.00 Billion $8.33 Billion
Hotel & Motel Retail ‐ Multi Warehouse Gas Station & Car Wash
Office Building All Others Note: All Others includes Mixed Use, Retail‐Single, Church, Residential, Golf Course and Other smaller segments of the total CRE portfolio. 14 C&I Portfolio By Industry (as of 6/30/2016)
BBCN Wilshire Pro Forma
15% 13% 14%
37% 17% 44% 41% 24% 30% 1%
32% 7% 11% 14%
$1.11 Billion $0.84 Billion $1.95 Billion
Manufacturing Wholesale Trade Supermarkets Warehouse Line
All Others Note: All Others includes Gas Station, Restaurant, Real Estate & Leasing, Retail, Laundries/Drycleaners, Liquor Stores, Hotel/Motel, Services, and Other smaller segments C&I portfolio. 15 Transformation to a Diversified Financial Institution
Equipment Lease Residential Financing Mortgage
Commercial SBA Lending Lending
CRE Lending
Int’l Trade Foreign Finance Currency
Credit Card Wealth Management
How far will your bank go with you?
16 Stable Asset Quality Trends
Legacy BBCN Nonperforming Assets Nonaccrual Loans . General improvements and to Total Assets to Total Loans
stability in asset quality trends 1.60% 0.87% 1.43% 1.39% 1.44% with declines in all problem 1.32% 0.74% 0.68% 0.68% loan categories 0.65% 0.64% 0.81% 0.81% 0.75% . Total nonperforming assets 0.65% 0.63% 0.54% 0.51% declined to 1.32% of total 0.56% 0.65% assets 6/30/15 9/30/15 12/31/15 3/31/16 6/30/16 6/30/15 9/30/15 12/31/15 3/31/16 6/30/16 . 64% of nonaccrual loan balances are “Current and Classified Loans Net Charge Offs Paying as Agreed” as of to Tier‐1 Capital + ALLL to Average Loans Receivable 6/30/2016 21.61% 21.59% 21.20% 20.61% . Classified loans continue 19.38% downward trend, driven by 0.10% 18.38% payoffs and loan upgrades 0.03% 0.01% . Net charge offs to loans 15.59% 14.55% 14.44% 14.03% 0.00% ‐0.03% ‐0.03% receivable remain at minimal 6/30/15 9/30/15 12/31/15 3/31/16 6/30/16 6/30/15 9/30/15 12/31/15 3/31/16 6/30/16 levels ‐0.02% ‐0.02% ‐0.01% ‐0.06%
Legacy BBCN Bancorp, Inc. Former Wilshire Bancorp, Inc.
17 Deposit Growth Trends
$10.65 Billion (pro forma as of 6/30/2016) Growth Trends by Category ($ billions)
CDs $10.65 <$100,000 10% $1,031 Noninterest bearing DDAs $3,236 27% CDs $6.34 $100,000+ $5.69 $348 $5.15 30% ($ millions) $4.38 $3.94 $3,182
MMAs $2,852 Savings 30% 3% 12/31/11 12/31/12 12/31/13 12/31/14 12/31/15 6/30/16 Pro Forma
18 Capital Strength & Deployment
• Redeemed $122 million TARP capital in 2Q 2012 (Legacy BBCN as of 6/30/2016) • Re‐initiated quarterly cash dividend in 4Q 2012 – Increased cash dividend by 50% in Q3 2013 13.63% – Increased cash dividend by 33% in Q3 2014 11.44% 11.95% – Increased cash dividend by 10% in Q3 2015 10.73% • Acquired Pacific International Bancorp – Became dominant player in the Pacific Northwest 10.00% • Acquired Foster Bankshares – Became the only Korean‐American bank in the Mid‐West • Opened Seoul Representative Office – First ever expansion by a Korean‐American bank into Korea 5.00% 5.00% • New branch openings – Opened new branch in Palisades Park, NJ, strengthening market leadership in the New York/New Jersey markets – Opened new branch in Centreville, VA, expanding presence in the metropolitan Washington, DC area Total Risk‐ Tier 1 Leverage Tier 1 Common Tangible • Increasing loan portfolio mostly through organic growth Based Capital Capital Ratio Equity Ratio Common – 15% year‐over‐year growth in 2012 Ratio Equity/ – 18% year‐over‐year growth in 2013 Tangible Assets • 9% through strategic acquisitions – 10% year‐over‐year growth in 2014 Excess Capital – 12% year‐over‐year growth in 2015 • Completed merger of equals with Wilshire Bancorp 7/29/2016 Proven History of Driving Consolidation in the Korean‐American banking sector
19 Growth Opportunities in Southeastern U.S.
. C&I banking opportunities Alabama Georgia linked to U.S. subsidiaries of Korean-national companies Atlanta LPO . 250-plus businesses in Hyundai and Kia supply chains in Georgia and Alabama LaGrange . 28 Tier-1 Hyundai/KIA Branch suppliers with $1MM- $2MM in DDA Montgomery Branch
Suppliers of Suppliers of
20 Significant Franchise & Shareholder Value
• Only super regional Korean-American commercial bank, created through Premier combination of two strongest existing franchises KorAm Bank • Expanded product set; increased geographic reach; strengthened regulatory and compliance platforms
Strong Value • Combination with Wilshire accretive to earnings • Improved core earnings power potential Creation • Enhanced operating leverage
Attractive • Cemented leadership position with greater visibility across national platform Markets • Increased convenience for customers
Proven • Experienced board and management focused on execution and maximizing Leadership shareholder value
21 2016 Outlook & Strategies
• Board and management focus on integrating two organizations into one new high‐ performance culture • Continuing strength in new loan originations as a combined company • Ongoing transformation to a more diversified financial institution with cross sales of new products and services across larger combined platform
– Equipment lease financing, foreign currency exchange, consumer and commercial credit cards, wealth management services, residential mortgage • Stable to improving asset quality and credit costs, assuming steady global economic conditions • Improving core earnings power, particularly following systems conversion in Nov 2016 • Proactive planning and preparation to cross the $10 billion threshold • Committed to building on the foundation for sustained growth and value creation
22 Investment Opportunity
The Only Super Regional Korean‐American Bank in the Nation
• Definitive leadership position and emergence as the only super regional Korean‐American bank
• Strong and consistent core earnings power and capital
• National platform and solid presence across all geographic markets with largest populations of Asian Americans
• Well positioned to continue proven track record of growth with combination of top 2 lenders in the market
• Deep and experienced executive management team
• Most comprehensive offering of products and services for commercial and consumer clients
• Best positioned to progressively transition to less CRE‐focused portfolio
• Only Korean‐American bank with presence in Korea
• Proven history of driving consolidation in the Korean‐American banking industry
23 Appendix – Q2 2016 Financial Summary 1
Legacy BBCN Legacy BBCN Legacy BBCN ($ thousands) Q2 2016 Q1 2016 Q2 2015 Net income $ 23,390 $ 23,623 $ 21,9418 Diluted earnings per share $ 0.29 $ 0.30 $ 0.29 Net interest income $ 71,064 $ 71,607 $ 67,391 GAAP Net interest margin 3.67% 3.84% 3.91% Noninterest income $ 10,707 $ 8,775 $ 10,483 Noninterest expense $ 40,348 $ 40,049 $ 38,613 Merger‐related expenses $ 1,533 $ 1,207 $ 26 Net loans receivable $ 6,507,812 $ 6,295,079 $ 5,745,706 Deposits $ 6,637,522 $ 6,467,411 $ 5,758,290 Nonaccrual loans 2 $ 42,398 $ 43,548 $ 39,681 ALLL to gross loans 1.16% 1.21% 1.21% ALLL to nonaccrual loans 2 180.26% 176.49% 176.70% ALLL to nonperforming assets 2, 3 69.62% 66.17% 59.63% Provision for loan losses $ 1,200 $ 500 $ 1,000 Net (recoveries) charge‐offs $ 1,631 $ 52 $ 475 ROA 1.15% 1.20% 1.26% ROE 9.67% 9.99% 10.13% Efficiency ratio 49.34% 49.82% 49.58%
1 Financial results include pre‐tax acquisition accounting adjustments related to mergers, as detailed on Appendix slide 24. 2 Excludes delinquent SBA loans that are guaranteed and currently in liquidation. 3 Nonperforming assets exclude acquired credit impaired loans. 24 Appendix – Major Pre-Tax Acquisition Accounting Adjustments Related to Mergers
Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 (Legacy BBCN) 2016 2016 2015 2015 2015 2015 2014 2014 2014 2014
Accretion of discount on $ 898 $ 1,966 $ 2,648 $ 2,496 $ 2,515 $ 2,183 $ 3,190 $ 4,157 $ 4,575 $ 3,202 acquired performing loans
Accretion of discount on 1,436 1,965 2,206 1,723 1,694 1,555 1,670 1,863 2,096 2,645 acquired credit impaired loans Amortization of premium on 97 97 97 97 95 94 96 95 94 92 acquired FHLB borrowings
Accretion of discount on (44) (44) (44) (43) (42) (41) (41) (41) (40) (91) acquired subordinated debt
Amortization of premium on 24 24 28 34 49 75 105 125 231 314 acquired time deposits
Increase/(decrease) to pre‐ $ 2,411 $ 4,008 $ 4,935 $ 4,307 $ 4,311 $ 3,866 $ 5,020 $ 6,199 $ 6,956 $ 6,162 tax income
25 Appendix – Impact of Acquisition Accounting Adjustments
Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 (Legacy BBCN) 2016 2016 2015 2015 2015 2015 2014 2014 2014 2014
Reported ─ NIM 3.67% 3.84% 3.88% 3.87% 3.91% 3.87% 3.90% 4.15% 4.20% 4.29%
Acquisition accounting adjustments (0.14)% (0.24)% (0.29)% (0.27)% (0.28)% (0.26)% (0.33)% (0.42)% (0.48)% (0.47)%
NIM, excluding effect of acquisition 3.53% 3.60% 3.59% 3.60% 3.63% 3.61% 3.57% 3.73% 3.72% 3.82% accounting adjustments
Reported ─ Weighted avg loan yield 4.80% 4.95% 4.99% 4.94% 4.98% 5.03% 5.11% 5.29% 5.44% 5.37%
Acquisition accounting adjustments (0.17)% (0.29)% (0.35)% (0.32)% (0.34)% (0.32)% (0.40)% (0.51)% (0.58)% (0.54)%
Weighted avg loan yield, excluding 4.63% 4.66% 4.64% 4.62% 4.64% 4.71% 4.71% 4.78% 4.86% 4.83% effect of acquisition accounting adjustments Reported ─ Weighted avg cost of 0.64% 0.63% 0.60% 0.57% 0.55% 0.55% 0.55% 0.54% 0.54% 0.52% deposits Acquisition accounting adjustments ――――0.01% 0.01% 0.01% 0.01% 0.01% 0.03%
Weighted avg cost of deposits, 0.64% 0.63% 0.60% 0.57% 0.56% 0.56% 0.56% 0.55% 0.55% 0.55% excluding effect of acquisition accounting adjustments
26 Appendix – Reconciliation of TCE/TA
6/30/2016 Total stockholders’ equity $ 971,740 Less: Common stock warrant ― Goodwill and intangible assets, net (107,796) Tangible common equity $ 863,944
Total assets $ 8,337,172 Less: Goodwill and intangible assets, net (107,796) Tangible assets $ 8,229,376
Common shares outstanding 79,606,821
Tangible common equity per share $ 10.85
Tangible common equity to tangible assets 10.50%
27 Premier Korean-American Bank
Total Net Total Holding Company/Bank Branches Total Assets Branch Operations (financial data as of 6/30/2016) Loans Deposits
1. Hope Bancorp (pro forma) 85 $13,223,957 $10,436,165 $10,647,841 CCA, NY, NJ, TX, IL, WA, VA, GA 2. Hanmi Financial Corporation 40 $4,441,333 $3,449,310 $3,589,289 CA, TX, IL, NY, NJ, VA
3. Pacific City Bank 12 $1,116,110 $935,778 $1,003,769 CA, NJ
4. Commonwealth Business Bank 7 $825,493 $700,395 $711,504 CA, TX
5. Metro City Bank 8 $793,267 $671,674 $653,808 GA, AL, VA
6. Open Bank 7 $673,267 $583,175 $581,736 CA
7. First Intercontinental Bank 5 $332,957 $235,879 $279,660 GA
8. Noah Bank 5 $300,828 $230,068 $249,030 PA, NJ, NY
9. NewBank 5 $286,511 $185,619 $240,583 NJ, NY
10. New Millennium Bank 4 $264,796 $184,861 $230,861 NJ, NY
11. NOA Bank 3 $262,124 $191,202 $217,720 GA
12. UniBank 4 $244,769 $178,506 $209,279 WA
13. Uniti Bank 3 $244,476 $171,155 $208,901 CA
14. US Metro Bank 2 $153,151 $115,725 $133,089 CA
15. Ohana Pacific Bank 2 $125,392 $95,195 $108,970 HI
U.S. Operating Entities of Korean National Banks
Woori America Bank 18 $1,509,925 $1,246,217 $1,333,142 NY, NJ, CA, VA, MD, PA
Shinhan Bank America 15 $1,051,313 $948,525 $948,525 NY, NJ, CA, TX, GA Source: BNB Hana Bank 4 $256,027 $155,873 $198,860 NY, NJ SNL Financial
28