Hope Bancorp (HOPE) 8-K Regulation FD Disclosure

FRIEDMAN, BILLINGS, RAMSEY & CO., INC.

2005 INVESTOR CONFERENCE

November 29 & 30, 2005

NARA BANCORP, INC.

Nasdaq:  NARA

Exhibit 99.1

2

The

Company

may

make

projections

or

other

forward-looking

statements

under

Section

27A

of

the

Securities

Act

of

1933,

as

amended

(the

“Securities

Act”),

and

Section

21E

of

the

Securities

Exchange

Act

of

1934,

as

amended

(the

“Exchange

Act”)

regarding

future

events

or

the

future

financial

performance

of

the

Company.

Such

forward-looking

statements

involve

known

and

unknown

risks,

uncertainties

and

other

factors

that

may

cause

the

actual

results,

performance

or

achievements

of

the

Company

to

be

materially

different

from

any

future

results,

performance

or

achievements

expressed

or

implied

by

such

forward-looking

statements.

Such

factors

include,

among

others

things:

the

ability

of

the

Company

to

meet

the

competitive

challenges

of

new

markets;

general

economic

and

business

conditions

in

those

areas

in

which

the

Company

operates;

demographic

changes;

competition;

fluctuations

in

market

conditions,

including

interest

rates;

changes

in

business

strategies;

changes

in

governmental

regulation;

changes

in

credit

quality;

and

other

risks

and

uncertainties

including

those

detailed

in

the

documents

the

Company

files

from

time

to

time

with

the

Securities

Exchange

Commission.

We

wish

to

caution

you

that

such

statements

are

based

on

certain

assumptions

and

that

actual

events

or

results

may

differ

materially.

We

refer

you

specifically

to

the

Company’s

most

recent

reports

filed

with

the

Securities

and

Exchange

Commission.

SAFE HARBOR STATEMENT

SAFE HARBOR STATEMENT

3

KOREAN-AMERICAN MARKET

KOREAN-AMERICAN MARKET

OVERVIEW

OVERVIEW

Estimated 2.5 million Korean-American

Estimated 2.5 million Korean-American

Population in the U.S. *

Population in the U.S. *

High business ownership

High business ownership

High emphasis in business relationships

High emphasis in business relationships

High Savings Rate

High Savings Rate

High Real Estate Ownership

High Real Estate Ownership

Expanding business activities with Korea

Expanding business activities with Korea

High business investments from Korea

High business investments from Korea

High student immigration to US

High student immigration to US

* Per Korean Central Daily Newspaper Website 2005

* Per Korean Central Daily Newspaper Website 2005

4

1989

1989

–

–

Founded

Founded

with

with

one

one

branch

branch

in

in

Los

Los

Angeles

Angeles

1997

1997

–

–

Expanded

Expanded

to

to

N.

N.

CA

CA

with

with

Silicon

Silicon

Valley

Valley

branch

branch

1998

1998

–

–

Expanded

Expanded

to

to

NY

NY

with

with

acquisition

acquisition

of

of

Korea

Korea

Exchange

Exchange

Bank

Bank

in

in

Flushing

Flushing

($23

($23

million

million

in

in

assets)

assets)

2000

2000

–

–

Acquired

Acquired

Korea

Korea

First

First

Bank

Bank

in

in

NY

NY

($75

($75

million

million

in

in

assets)

assets)

2000

2000

–

–

Total

Total

assets

assets

of

of

$500

$500

million

million

with

with

10

10

branches

branches

and

and

3

3

LPOs

LPOs

2002

2002

–

–

Acquired

Acquired

deposits

deposits

of

of

Industrial

Industrial

Bank

Bank

of

of

Korea

Korea

Manhattan

Manhattan

branch

branch

($45

($45

million)

million)

2003

2003

–

–

Acquired

Acquired

Asiana

Asiana

Bank

Bank

in

in

N.

N.

CA

CA

($25

($25

million

million

in

in

assets)

assets)

2003

2003

–

–

Acquired

Acquired

deposits

deposits

&

&

loans

loans

of

of

Korea

Korea

Exchange

Exchange

Bank

Bank

in

in

Manhattan

Manhattan

(deposits

(deposits

-

-

$60

$60

million,

million,

loans

loans

-

-

$43

$43

million)

million)

2003

2003

–

–

Total

Total

assets

assets

of

of

$1.0

$1.0

billion

billion

with

with

13

13

branches

branches

and

and

5

5

LPOs

LPOs

2004

2004

–

–

Total

Total

assets

assets

of

of

$1.5

$1.5

billion

billion

with

with

16

16

branches

branches

and

and

8

8

LPOs

LPOs

Present

Present

–

–

Total

Total

assets

assets

of

of

$1.8

$1.8

billion

billion

with

with

18

18

branches

branches

and

and

8 LPOs

8 LPOs

HISTORICAL HIGHLIGHTS

HISTORICAL HIGHLIGHTS

5

COMPANY PROFILE

COMPANY PROFILE

Korean-American

Korean-American

bank

bank

with

with

Largest

Largest

Nationwide Network

Nationwide Network

Largest

Largest

Korean-American

Korean-American

bank

bank

in

in

New

New

York

York

Largest

Largest

Korean-American

Korean-American

bank

bank

in

in

Northern

Northern

California

California

Total assets $1.8 billion at September 30, 2005

Total assets $1.8 billion at September 30, 2005

Strong asset growth:  5-year CAGR of 26%

Strong asset growth:  5-year CAGR of 26%

Consistently high ROA of 1.71% and ROE of 23.73%

Consistently high ROA of 1.71% and ROE of 23.73%

*

*

High asset quality:

High asset quality:

NPA/Total Assets of 0.26% at September 30, 2005

NPA/Total Assets of 0.26% at September 30, 2005

Loan loss reserve of 1.20% at September 30, 2005

Loan loss reserve of 1.20% at September 30, 2005

Diversified loan mix nationwide

Diversified loan mix nationwide

* Historical 6 year annualized average

S CA -

12 Branches

N CA -

2 Branches

NY -

4 Branches

8 LPOs –

Oakland, Seattle, Denver, Dallas, Chicago, Atlanta, Virginia/Washington DC, and New Jersey

NATIONWIDE NETWORK

NATIONWIDE NETWORK

7

FINANCIAL HIGHLIGHTS

FINANCIAL HIGHLIGHTS

*  As restated

** Annualized

4.89%

**

4.58%

4.46%

4.82%

5.33%

6.46%

Net Interest Margin

1.20%

1.20%

1.25%

1.17%

1.33%

1.92%

ALLL

48.85%

**

53.06%

58.21%

65.61%

62.69%

60.95%

Efficiency Ratio

22.51%

**

21.44%

18.77%

22.64%

20.10%

31.02%

ROE

1.53%

**

1.45%

1.26%

1.76%

1.60%

2.25%

ROA

$0.77

$0.80

$0.59

$0.60

$0.44

$0.51

EPS (diluted)

18,947

19,782

13,728

13,851

10,163

$        10,781

Net Income

139,874

101,255

82,572

63,529

55,232

$        44,939

Total Equity

1,544,109

1,255,975

1,061,415

816,918

589,844

$      527,709

Total Deposits

17,068

14,627

12,471

8,458

6,710

$           6,980

Loan Loss Provision

1,410,026

1,207,108

984,868

715,019

498,483

$       355,724

Net Loans

$    1,789,101

$    1,507,665

$    1,259,771

$       981,407

$     679,324

$       602,539

Total Assets

09-2005

2004

2003*

2002*

2001

2000

($ in 000's)

8

NARA BUSINESS STRATEGY

NARA BUSINESS STRATEGY

Primarily focus on profitability

Primarily focus on profitability

Grow organically based on profitability

Grow organically based on profitability

Focus on market penetration

Focus on market penetration

-

-

California and New York

California and New York

-

-

Other locations with Korean-American population concentration

Other locations with Korean-American population concentration

-

-

Other ethnic markets

Other ethnic markets

Explore new lines of business such as wealth management

Explore new lines of business such as wealth management

and other advisory services to generate fee income

and other advisory services to generate fee income

Enhance the depth of the management team to enable us

Enhance the depth of the management team to enable us

to effectively accommodate growth and diversification

to effectively accommodate growth and diversification

Focus on technology for improved customer service,

Focus on technology for improved customer service,

operating effectiveness, and new markets

operating effectiveness, and new markets

Focus on risk management and regulatory compliance to

Focus on risk management and regulatory compliance to

support disciplined growth

support disciplined growth

9

ASSET GROWTH

ASSET GROWTH

$603

$679

$981

$1,260

$1,508

$1,789

$0

$500

$1,000

$1,500

$2,000

2000

2001

2002

2003

2004

09-05

($ in Millions)

Total Assets

$356

$499

$715

$985

$1,207

$1,410

$0

$500

$1,000

$1,500

2000

2001

2002

2003

2004

09-05

($ in Millions)

Net Loans

10

LOAN PORTFOLIO

LOAN PORTFOLIO

Real Estate

61%

Consumer

5%

Business,

SBA &

Trade

Finance

34%

Type of

Type of

Average

Average

Loan

Loan

Loan Size

Loan Size

Real Estate       $890,000

Real Estate       $890,000

Business

Business

138,000

138,000

Consumer

Consumer

14,000

14,000

Other

6%

S. CA

53%

NY

29%

N. CA

12%

Real Estate Loans By Region

Real Estate Loans By Region

11

OUTSTANDING ASSET QUALITY

OUTSTANDING ASSET QUALITY

0.38%

0.26%

0.22%

0.44%

0.19%

0.26%

0.00%

0.10%

0.20%

0.30%

0.40%

0.50%

2000

2001

2002

2003

2004

09-05

NPA / Total Assets

0.56%

0.35%

0.15%

0.51%

0.22%

0.27%

0.00%

0.10%

0.20%

0.30%

0.40%

0.50%

0.60%

2000

2001

2002

2003

2004

09-05

NPL / Gross Loans

12

Core Deposits

Distribution

@

09-05

DEPOSIT GROWTH & MIX

DEPOSIT GROWTH & MIX

$1,544

$810

$734

$1,256

$850

$407

$1,061

$713

$349

$817

$549

$268

$590

$432

$158

$528

$402

$126

2000

2001

2002

2003

2004

09-05

Jumbo CDs

Core Deposits

Total

OTHER

13%

MONEY

MARKET

29%

NON-INT.

DDA

45%

SAVINGS

13%

($ in Millions)

13

NET INCOME GROWTH

NET INCOME GROWTH

$10.8

$10.2

$13.9

$13.7

$19.8

$18.9

$0.0

$5.0

$10.0

$15.0

$20.0

$25.0

2000

2001

2002

2003

2004

09-05

($ in Millions)

Net Income

$0.51

$0.44

$0.60

$0.59

$0.80

$0.77

$0.00

$0.20

$0.40

$0.60

$0.80

$1.00

2000

2001

2002

2003

2004

09-05

Diluted EPS

14

CONSISTENT PROFITABILITY

CONSISTENT PROFITABILITY

2.25%

1.60%

1.76%

1.26%

1.45%

1.53%

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

2000

2001

2002

2003

2004

09-05

Return on Average Assets

31.02%

20.10%

22.64%

18.77%

21.44%

22.51%

0.00%

10.00%

20.00%

30.00%

40.00%

2000

2001

2002

2003

2004

09-05

Return on Average Equity

15

NET INTEREST MARGIN

NET INTEREST MARGIN

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

7.00%

2000

2001

2002

2003

2004

9-05

Net Interest Margin

16

LOAN TO DEPOSIT RATIO

LOAN TO DEPOSIT RATIO

0.0%

20.0%

40.0%

60.0%

80.0%

100.0%

120.0%

2000

2001

2002

2003

2004

9-05

Loan to Deposit Ratio

17

NIM vs LTD RATIO

NIM vs LTD RATIO

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

7.00%

2000

2001

2002

2003

2004

9-05

0.0%

20.0%

40.0%

60.0%

80.0%

100.0%

120.0%

Net Interest Margin

Loan to Deposit Ratio

18

EFFICIENCY RATIO

EFFICIENCY RATIO

61.0%

62.7%

65.6%

58.2%

53.1%

48.9%

0.0%

20.0%

40.0%

60.0%

80.0%

2000

2001

2002

2003

2004

09-05

Efficiency Ratio

19

STOCK SUMMARY

STOCK SUMMARY

Ticker

Symbol:

NARA

Recent

Price¹:

$19.02

Shares

Outstanding:

25.4

million

Market

Capitalization¹:

$483

million

Average

Daily

Volume²:

137,682

shares

Price/Earnings

Ratio

Trailing

12

months³:

18.3

2005

Analysts

AVG:

18.0

Annual

Dividend:

$0.11

per

share

Current

Dividend

Yield¹:

0.58%

1.  As of November 15, 2005

2.  Three-month average volume as of November 15, 2005

3.  Trailing twelve months through September 30, 2005