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8/3/2019 CH Capital Hanmi 582011 Final
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CH Capital Partners LLCPresents
Partnership for 2011 and 2012
FBO
Hanmi Holding Company
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CH CapitalPartners
LLC
Sok H. Cordell
Sr. Managing
Director
NicoleWhamond
Sheila Nordgren
Chris Chu Sr.
Managing
Partner Co CCO
500 Member of
Mortgage
Bankers
Shawn
MacDonald Sr.
Managing
Partner Co
CCO
Ellen Sim-Cordell
Mark Pizzuti Sr.
Managing
Partner -
Operations
Shawn ParkSr. Managing
Partners
Alex AdamsGeneral Counsel
SBA Certified
Mark HetrickManagingPrincipal
John DelanoManaging
Partner
Jim McConnellManaging
Partner
Terry Painter
Bruce Johnson
Troy Willis Kendra Schwindt
CH Capital Partner LLC Team
Expertise
Process
Execution
General Counsel is
one of few
Attorneys that are
SBA Certified
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CH Capital Partners & Hanmi Financial
Executive Management
Sok H. Cordell -shareholder Sr. Managing Director OR
Chris Chu Sr. Managing Partner WA Co-Chief Credit Officer
Alex Adams SBA Certified Attorney General Counsel of CH Capital
Partners
Shawn Park - shareholder Sr. Managing Partner WA
Shawn MacDonald Sr. Managing Partner CA
Co-Chief Credit Officer
Partners
Mark Pizzuti (Managing Partner) OR
Mark Hetrick (Managing Principal) OR
Troy Willis (Managing Partner) OR
Jim McConnell (Managing Partner) AK
John Delano (Managing Partner) AK
Steve Raycroft (Managing Partner) TX
Bruce Johnson (Managing Partner) TX
Nicole Whamond (Operations) OR
Kendra Schwindt (Marketing) WA Sheila Nordgren (Assistant) WA
Ellen Sim-Cordell (temp employee) OR
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Who We Are: CH Capital Executive Team
Combined 126+ years in the financial services industry
Experience in:
Money Center and Regional Bank: 45 years
Investment Bank: 16 years Community Bank: 65 years
SBA Certified Attorney as General Counsel
All have held Executive or Senior Management positions
Roles in: production, asset/risk/project management
Interest Rate hedging, investment banking, commercial banking,community banking, credit union, and savings loans
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What SBA 504 FMPP Means to Hanmi Financial
Conventional SBA 504 Loan 50%, 40%, 10%
SBA 504 FMPP Loan 50%, 40%, 10%
85% of the 50% gets sold off Estimated revenue of 6% - minus fees
Leverage for depository business
Non-demand deposits
Higher quality loans
SBA 504 FMPP Refinance Take existing non-SBA owner occupied sell it
Reduce the balance sheet for Hanmi and make premiums
Converting all owner occupied which qualifies to sell off the assets with no discounts
SBA 504 Conventional Loan
50% 40% 10%
5,000,000 4,000,000 1,000,000
100% risk
capital
CDC Equity
50% LTV Loan
SBA 504 FMPP Loan
50% 40% 10%
5,000,000 4,000,000 1,000,000
15% of
$5,000,000
CDC Equity
$750,000.00 $4,250,000
sells off
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FMPP PROGRAM CAN DO FOR YOU
Not goodloans
Non performingloans
Goodloans
SBA 504 FMPPProgram
SecondaryMarket
Write down loans
Replenish Capital
Blow out the earnings
Anotherbank or
non-bank
lender
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Due Diligence
Procedure
Analysis
Speed
Execution
Capital
CH Capital Partners LLC
Become leader in theSBA 504 FMPP
Program
Learn to reduce thecurrent CRE
Concentration
Teach othercommunity banks the
process with CHCapital
Become the dominantKorean American bank
IncomeIncrease
Earnings
Earnings
Earnings
Cross SellOpportunity
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CH Capital Partner Goals
Goal: Increase Earnings to Solve Financial Problems Diversify clients through intermediaries like CH Capital
Produce revenue split agreement with Hanmi Financial and bring non-demand deposit
Restructure credit products to replace CRE concentration
Increase loan production with higher credit quality Increase banking with non-Asian markets to increase deposits, cross sell
other financial service and use all opportunity to execute a new sale.
Bring new products to the Asian market place, merchant services, businessbanking, factoring, and business alliances
Earnings, earnings, and (surprise) more earnings
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CH Capital Partners Goals (Continued)
CH Capital Partners goal with Hanmi Financial
Increase revenue of 2010 of Hanmi Financial of 30-40%
Increase profits for the bottom line to .26 cent a share from .03 cent a share
Bring new source of clients and new ways of cross selling existing clients
Establish Hanmis goal of finally getting rid of the non-performing assets, andestablish what percentage of capital it would take the full losses
CH Capital Partners goal with Hanmi Financial
Originate $500 Million in SBA 504 FMPP loans 14 months
Originate $ 70 to 100 million loans in SBA 7a Bring non-demand deposit of $25 to 30 million a year
Bring a National Construction lenders to help Hanmi facilitate a NationalPresence
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CH Capital Services
Solution Based Service
Balance Sheet Analysis
Review the Stock Prices and other reports that pertain to loan loss reservesand capital, find the relationship stock price and capital
One year goal, 16 month goal Where would the bank board and bank CEO like to see their bank be in 16
months?
Create a economic game plan in place for execution and goal orientedtowards production goals
Review what OCC and other regulators would be reviewing
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CH Capital Partners, LLC
Result
Reduce Concentrated CRE
Improve Capital Ratio and earnings
Premium Income Planning to impact on current quarter earning
Income improves balance sheet, will allow you to finally sell off the nonperforming assets.
Have a much smaller balance sheet
Raise Non-Demand Deposit Operating Accounts
Re-deploy the cash into working assets
Earnings momentum drive the stock price higher
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Challenges: Expressed By Industry Participants
Current level of non-performing assets
Capital levels
Liquidity & funding
Reduced level of earnings
Inability to service existing customers
Take advantage of environment to convert desired prospects
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Goals: Expressed by Many Bankers
Reduce current level of non-performing assets to deploy freed-upliquidity into earning assets (new loans, security purchases, etc.)
Reduce loan concentrations, principally commercial real estate ordiversify assets
Improve capital levels to provide flexibility in executing strategic plansand reduce regulatory pressure
Restructure the liability side of the balance sheet to reduce high costborrowings, restrictive borrowings and, in general, lower cost of variousfunding sources
Normalize ALLL (allowances for loan and lease losses) expense
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How We Plan to Assist in Achieving Goals for Hanmi
Establish plan for SBA 7a and SBA 504 loan Current Comp Plan is (3% - 1% origination and 2% premium- negotiable)
Deposit relationship goal replace the 15% piece or 25% piece If we fulfill 50 million in SBA 504 FMPP loan, try to replace the depository relationship by 50%
If we originate $50 million, try to bring $25 million in new capital
Reserve options for construction loan
Establish a regional presence in the SBA 504 FMPP market Establish new sources of revenue stream from different clients
Cross sell opportunity in business credit line, factoring and other financialservices for diversification
Become the premier bank in the Korean community
CH Capital provides streamline goals for our partners to meet Hanmi Banksgoals
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Tools Available to Achieve Goals
Strategic alliances/partnerships established with:
Private Equity firms and Hedge Funds
Institutional Investors and Mutual Funds
Investment Banks
Community Development Corporations Wealth Management service providers
Expertise in the following commercial loan programs:
SBA 504 FMPP Agent agreement for Korean Banks and Northwest
Region SBA 504, 7(a) and all other SBA loan product enhancements
FHA, HUD, Fannie Mae & Freddie Mac
USDA rural development enhancement programs
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Tools Available to Achieve Goals (Continued)
We possess expertise in:
New market tax credits
Low income housing tax credits
CMBS lending
Loan pooling for partial or full sale/partial or non-recourse
Other capabilities include:
Interest rate hedging
Mezzanine and subordination financing
Bank owned life insurance (BOLI)
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SBA 7a Business
SBA 7a Premium Options for SBA 7a
Sell 75% and receive premium
CH Capital assists to get the highest premium in the market place
SBA 7a Excess Servicing Options for SBA 7a excess servicing model
Sell the 75% of the loan, and receive excess servicing income of 2 to 1 for 2 points ofpremium, receive 1% of excess servicing. So if the highest premium is 12, the excessservicing maybe 6%.
Hanmi sells the 75%: Hanmi receives gross rate on retained 25% and 75% of the soldloan, Hanmi receives 6%.
Just an option for future increase in earnings and dependable annuity income forHanmi bank and shareholders after expense.
This will allow diversification of loans in different NAIC code and geographical regionsfor Hanmi Bank. Regulators like diversification
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SBA 7a and SBA 504 FMPP
SBA 7a loan process Total time to close an average SBA 7a loan 30 to 40 days & commission
is twice the amount of a SBA 504 loan
SBA 504 loan process Average SBA 504 loan takes around 90 to 120 days and commission is
twice as less a SBA 7a loan1. Origination by the bank gather information/wait for borrower to get the
right information (3 weeks)2. Get information to the CDCs (2 weeks)3. CDC getting the LOI (1 week)4. First Lien Lender LOI (2 weeks)
5. After receiving the LOI from the First Lien, wait for CDC to submit the loanfor SBA loan number (1 week)6. Finding Debenture for the SBA 504 debenture (2 weeks)7. Waiting for the pooling rule ( 2 loans with one index )8. 45 days later close loan
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SBA 7a and SBA 504 FMPP
Investment of $50 Million
SBA 7a
Will control only 25% of the total loan, with some servicing
Total loan is $200 million
Average loans of $1.8 million loan Minimal deposit relationship
CH Capital will bring depository business to Hanmi Bank*
SBA 504 FMPP with CH Capital Partners LLC
Will control 50% of the total loan with some servicing income, really comes to7.5% of the total project
Total loan is $375 million Average loan of $5.5 million
*High deposit relationship through bank sweep program with Wells Fargo orUS Bank
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Challenges for SBA 504 FMP Program
SBA FMP 504 program launched in Sept 2010
National press coverage
$33.8 billion set aside for 2 years
Program ends in Sept 2012
Total loans funded to date $180 million
New rules for refinances has been issued
CH Capital have complete understanding of the SBA 504 FMPP programfor banks
Banks can refinance their existing owner occupied loan that is not anSBA or any government loan, into a SBA 504 FMPP Loan
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Current SBA 504 FMP Distribution
CDCsTerritory
No national information clearinghouse.CDCs are working for the banks whomthey service, but will not shareinformation with other CDCs Top 20CDC control most of the volume,information is not passed on.
CommunityBanks
Loan Officers not incentivized to do SBA 504 loan program, but are for SBA7A Loans. SBA 7A loan production easier for bankers. Greatercompensated for loan production with less third party involvement. SBA7A PLP can generate up to 12 to 12.5 points in premiums, with no braindamage from CDC, vs. more complicated SBA 504 Program sporting ahigher learning curve and greater CDC and third party involvement. Bothprograms carry similar risk. The credit criteria for community banks aretough, they want to lower CRE concentrations, have borrower lower theirleverage which will not qualify through SBA loans.
Borrower
Consumers are unaware of thedifferences between SBA 504 and SBA 7aloans, or that they have a choice.Generally, the interest rate changes andrisk dangers of a variable SBA 7A loanhave not been adequately explained.
Even though Bankers do not
like SBA 504 FMP program,CEOs, CFOs and CCO
support it because of the
regulators
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Current SBA Loan Production Needs
SBA Loan is closed then need to wait until the debenture settles, Average 45 to 90 days(Non- Bank Lenders cannot afford to wait 90 days for the opportunity to Pool the loan and buythe 85%) and community banks, because of regulatory issues cannot hold capital that long, alsodepending on the deal, community banks have limited capital and lending limits, so manycommunity banks cannot touch a deal the bigger deal need transitional capital
After the SBA Debenture is closed, then we wait another 45 days because the Pool rule forloans in the same index, since there is no volume, we wait another 15 to 30 days or longer.Take an average community bank with 200 to 400 million in assets, Tier 1 Capital, CREconcentration, credit committee jitters, FDIC audits. Many banks do not want to learnsomething new, furthermore regulatory constraints will not allow community banks to lend
Finally after we close the loan, the process for secondary market is weak at best. There isonly one bridge lender nationally, then there is only two non-bank lenders (currently sellingto FIG Partners ) who do not have the capital to close the loans in volume, onesy or twosiesat a time. Not enough to make a market . Zion's created this mess, Bank of the West died inwholesale, Community South has capital issues, Sterling in Texas is not coming back, GE doesnot want anything with it - exactly no possibility for volume. Except we are bringing anational REIT.
We need Bridge
lenders to keep
the whole
markets liquid
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Current SBA FMP 504 Loan Volume Issues
Currently, only 4 to 5 loans per month per CDC
No national originators to create the volume of loans
No market leader in making a market for the bonds
No premium incentives for non-bank lenders, as a result of a thinly
traded market
Limited availability of credit lines for bridge lending. Whoever brings thisand can execute will be the market leaders
Whoever can control the SBA 504 FMP volume nationally and deliversthe loan pools will be the winner and will reap the most reward
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SBA 504 Loans are Created, Not Originated
Example:
Hotel owner who is seeking $7.1 million dollars for a hotel construction toperm, has $14.7 million in Muni Bonds. Owner has a net-worth of $34 million,outside of $14.7 million.
He exceeded the liquidity test, thus he was not approved. By understandingliquidity test, I was able to convince the client that by adding another projecthe would pass the liquidity test. However he still failed the aggregate $5million SBA loan limit. Again, I found that the project passed the EPA 10%energy savings test, thus was exempt from the SBA loan limit. This allowedhim to have as many SBA loans as he wants. This has resulted in anapproval from CDC Resource Capital (see attached)
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CH Capital Partners LLC
We have a stream line system to efficiently move through SBA 504FMPP program
CH Capital Partners and all poolers have a network to push through the deal
There are too many criteria per investors for bank BDOs to understand, also
understand the sweet spot Review and approve FMPP program
Software and technology is all aligned
Shawn MacDonald, Co-CCO, and Chris Chu, Co-CCO, will work to funnelthrough the deal
Out streamline is based on the CDCs, FMPP, investors and banks and non-banks we work with
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One
Application Intake
Full Package Only
Do not waste time with incomplete files
Two
FMPP Approval
CDC Approval
Hanmi Credit Approval
Three
Condition of the loan
Terms of the loan
Deposit Banking Relationship goal
Four
Packaging
90 days of payment for closing
Financial UCC Sweep prior to funding
CH Capital Partners LLC Process
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CH Capital Partners LLC 45 day process goal
Stage 1 ClientInterview
Stage 1 ClientInterview
Stage 2 IntegratedUnderwriting
Stage 2 IntegratedUnderwriting
Stage 3 FMPP &CDC Approval
Stage 3 FMPP &CDC Approval
Stage 4 LOI andFMPP Letter
LOI from HanmiBank
Stage 4 LOI andFMPP Letter
LOI from HanmiBank
Stage 5 ThirdParty Order
Stage 5 ThirdParty Order
Stage 6 Review therates
Stage 6 Review therates
State 7 Packagethe loan
State 7 Packagethe loan
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CH Capital Partners Process
Eligibility Test
2 days at most after receiving the file
Application and all CDC forms done through Adobe or Echosign
LOI from CDC
Deliver through Microsoft SharePoint a full package as the way the CDCsrequested they like to see the document 2 days touch and go system
Third Party Orders
Title
Appraisal
Phase I 2 weeks at the latest
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CH Capital Partners Process
1. LOI from first lien lender Jordan approval for two programs, broker dealer approval for non-bank deals
Non-bank lenders, we would issue out LOI after we process our ownapproval for FMP program guidelines 1 day after CDC send out the LOI
2. SBA loan number on its way 3 days average
3. After full package, CDCs work to get SBA loan number in 5 days atmost
4. Find first lien lender commitment 5 days from full package can do ratio test, leverage test, stress test, all the items
requested by banks but not by CDC5. Final Close
How we can get 30 to 50 days close no bank can do it better.
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Jan Feb March April May June July August Sep Oct Nov Dec
2011
2011
2012
EXAMPLE TEXT
SBA 504 FMPP Ends
CH Capital & Hanmi Establish relationship - FMPP Continues
CH Capital Partners LLC
Hanmi: $1.25
Earnings Earnings
Earnings Earnings EarningsEarnings
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SS OOWW TT
Strengths
15 Partners 500 Mortgage
Bankers
Distributions Experts
Opportunities
Bridge Lenders Premium Model Excess Servicing
Model
Pooler Model
Weaknesses
No Leader Bankers are lost Too Many
Regulations Lost in the
process
Threats Market Figures out Lack of
understanding
Process Dont know who is
who I
Waste lots of time 15 months left
Strengths
Complete process Speed and
Execution
Dominate Market
Opportunities
Clean off all the loans Help other banks
clean their balance
sheet
Increase Stock Price
Weaknesses
CRE concentration
Regulators Exit report Losing focus
Threats
Time Time Time 15 months
2011
2012
CH Capital Partners LLC
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Washington
Oregon
California
Nevada
Idaho
Montana
Wyoming
ColoradoUtah
New MexicoArizona
Texas
Oklahoma
Kansas
Nebraska
South Dakota
North DakotaMinnesota
Wisconsin
Illinois
Iowa
Missouri
Arkansas
Louisiana
Alabama
Tennessee
Michigan
Pennsylvania
New York
Vermont
Georgia
Florida
Mississippi
Kentucky
South Carolina
North Carolina
MarylandOhioDelaware
Indiana
West
Virginia
New Jersey
Connecticut
Massachusetts
Maine
Rhode Island
Virginia
New HampshireMichigan
(upper penisula)
Alaska
Hawaii
CH Capital Partners Reach
San Jose
CH Capital
Hanmi Bank
500 Mortgage
Banking Distribution
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Current SBA Technology
Only 1communicationsystem email
No one answerstheir phone
anymore
No stream line
processLose documents
through email, losetime trying tocommunicate
Untimely Deliveryof Documents (taxreports, third party
reports)
Mobile society
cannot sit still andneeds continual
mobilecommunication
This is our biggest time waster
we lose about 60% of our daytrying to reach some one or
communicating to someone: we
need something more
Emails kill business productivity,it is being used as an excuse not
to communicate to clients, but
also use to deny ever receiving
the document
Document, are you seeing what
I am seeing, this simple process
is breaking the backs of the SBA
504 loan process, this simple
problem is the excuses that the
industry accepts as the norm
Nobody agrees on technology,excel spread sheet to underwrite,
some use LMS, some use Fiserv,
some use PFS 2000, so manually
underwriting again, and then
again, and then again
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Current SBA technology
No standardized software or document management system CDC LMS (Resource Capital) used by 80% of all CDCs nationally and eDoc
Lending are just a couple
Banks primarily use Fiserv, PFSF 2000, Moodys and SBA has no preference
Excel spreadsheet Major lenders such as Zions use self-created Excel sizers to analyze a loan,
while most CDCs uses LMS and banks use Fiserv. This results in substantialtime loss.
E-mails, e-mails, and e-mails Only method of communicating losing documentation is a normal process
No e-signature, digital signature or other technology that isaccepted as a standard. A simple and clear way to get all documentation digitally for application, loan
approval, loan closing documentation
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CH Capital Partners LLC
Collaboration through Technology
LMS which is the SBA 504 loan origination and document management system, butalso have access to all PFCS 2000, SBA open, Fiserv, Moodys, T-Soft, and the listgoes on. So if we run into a lender who uses certain software , we will give it to themtheir way.
Microsoft SharePoint creates a proprietary system where all lenders (CDCs, banks,
non- banks, third parties) are looking same items Giving CDCs what they want, giving banks what they want, giving borrower what they
want
Reduce time. Electronic signature. Most of time is wasted in document management,current markets choice is email. Most of the time, when e-mailing from one remoteplace to another, people can lose files, very easy to say I did not receive it. Electronicsignatures on the SBA application and using Microsoft SharePoint to make sure the
processor to the CCO of the CDC, and bankers from small to large all are looking atthe same thing and same file. Our Microsoft SharePoint is created in a organizedfolder system with adobe as digital signature delivery system in which a booklet iscreated with ADOBE: CH Capital and all of our lenders have access to the databaseunder secure logins.
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CH Capital Partners LLC
Underwriting
Loan Management System
All Spreads according to RMA standards
Review all credit, UCC and business credit
Project Cash Flow Analysis Global Cash Flow Analysis
Peer Review Analytical
Executive Summary Review
Personal Resume Review
Matching the underwriting of CDC and FMPP Guidelines
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CH Capital Partners LLC
Due Diligence Service
Loan Management System
Dunn & Brad Street Loan Rating
Proprietary Loan Rating System
SBA All data Review for default risk, early prepay risk, Deferment risk andlate payment risk.
Baker Hill Statement Analyzers
Integrated credit risk models for SBA loans
Portfolio Analytical
Effective Rate of return and IRR values Interest rate hedges and risk assessment
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CH Capital Partners LLC
SBA FMPP Packaging
First Lien Lender Packaging (FDIC and OCC requirements)
SBA 504 CDC Packaging
Package all items needed for guarantee to be in force
Review with a SBA Certified Attorney the documents required for theguarantee by the Federal Government
All of SBA Documents needed
Application
Pre-Qualification Approval Documents
Closing Documents
Funding Documents
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CH Capital Partners LLC
Servicing
Third party servicing for .55 to .65 basis points
SBA SOP guidelines are specialized
Business Partners manage over 3.5 Billion in serving SBA loans
Tickler Reports and review All compliance reviews annually and quarterly
Business partners have over $1.8 billion in the SBA loan servicing
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Hanmi Financial Stock AnalysisHanmi Financial Technical
Hanmi Stock break through
would be 1.98 as a shareprice
Earnings surprise alwayschanges the technical
MACD will turn positive
Parabolic SAR is alreadyset, need the momentum to
change Bring more loans to the
table through CH Capital toproduce earnings
Regional analyst invitations
0
5
10
15
20
25
30
35
40
5/9/1997
5/9/1998
5/9/1999
5/9/2000
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5/9/2005
5/9/2006
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5/9/2008
5/9/2009
5/9/2010
Moving Average Crossover
Close
0
5
10
15
20
25
30
35
40
45
5/9/1997
5/9/1998
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Parabolic SAR
High
Low
0
5
10
15
20
25
30
35
40
5/9/1997
5/9/1998
5/9/1999
5/9/2000
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Relative Streng
th Index
Close
0
5
10
15
20
25
30
35
40
5/9/1997
5/9/1998
5/9/1999
5/9/2000
5/9/2001
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5/9/2010
Bollinger Bands
Close
0
5
10
15
20
25
30
35
40
Moving Average ConvergenceDivergence
Close
0
5
10
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25
30
35
40
Average Directional Movement
Close
0
5
10
15
20
25
30
35
40
Stochastic %D
Close
EarningSurprise
ShortSqueeze
EMA 100Day
MACDnegative
Earnings
Street -.02
HighCredit
Quality
StrongvolumeLoans
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Hanmi Financial Holdings
FINANCIAL STRENGTH HAFC Industry Average Sector Average S&P 500
Quick Ratio (MRQ)NA NA NA NA
Current Ratio (MRQ)NA NA 2.01 1.79
LT Debt to Equity (MRQ)49.67 202.51 181.82 41.00
Total Debt to Capital
(MRQ)137.15 391.03 310.52 51.11
Return On Equity-45.68 1.00 1.00 1.00
Return On Assets
-2.81 0.96 -29.67 8.84
Return On Invested Capital-21.35 3.35 -5.45 14.18
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Hanmis Last Quarterly Earnings
Revenue Loan Loss ProvisionNet Income EPS Dec. Price CH Cap 7a CH Cap Sba 504
FMPP
Hanmi Revenue Est.
-300
-200
-100
0
100
200
300
400
AxisTitle
Revenue Potential
2006
2007
2008
2009
2010
2011
2012
2013
Expon. (2006)
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Hanmi Quarterly Earnings
QTR(6/11) QTR(9/11) FY(12/11) FY(12/12)
Average Estimate 0.01 0.02 0.08 0.10
Number of Analysts 2 2 2 2
High Estimate 0.04 0.04 0.15 0.19
Low Estimate -0.02 0.00 0.00 0.02
Year Ago EPS -0.57 -0.12 -0.93 0.08
Growth Rate +101.75% +116.67% +108.06% +40.00%
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Hanmi Financial Holding
Bullish Stock After Earnings
Money Flow (MF) weak
EMA 100 Strong
Slow MACD Strong
Fast MACD Weak
First Barrier $2.50
Earnings of .26 cent ashare
Next Barrier $4.87
Break out barrier $9.76
Stock goes over $4.87,money managers jump inRussell Index rating
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Hanmi Holdings Stock
2.50 break out
price of EMA and
Money Flow
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Hanmi Financial Holdings
Executives
Joseph K. Rho Chairman
Jay S. Yoo CEO (2013)
Brian Cho CFO
Jung Hak Son CCO
Largest Shareholders
Black Rock Mutual Funds 8,662,795
Joseph K. Rho 2,966,838 Joon Hyoung Lee 2,465,275
Share Information
52-Week Range: $0.86-2.80 Market Capitalization: $196 mil
Common Shares Outstanding: 151 mil
Number of Institutional Shareholders: 192
Shares Held By Institutions: 31 mil
% Held By Institutions: 20.66%
Dividend: N/A
Dividend Yield: N/A
Last Stock Split 2 for 1
Last Split Date: 2/16/2005 Book Value Per Share: $1.14
EPS Estimate 2011: $-0.10
EPS Estimate : N/A
P/E on Estimate 2011: N/A
P/E on Estimate : N/A
Number of Analysts 2
Rating on stock 1 hold, 1 no rating
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Thank You for YourTime
CH Capital Partners LLC
Headquarters: 19720 NW Tanasbourne Dr. Suite 330
Hillsboro OR 97124
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