<SUBMISSION>
<ACCESSION-NUMBER>0000912057-02-026007
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20020628
<ITEMS>5
<ITEMS>7
<FILING-DATE>20020701
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>HANMI FINANCIAL CORP
<CIK>0001109242
<ASSIGNED-SIC>6021
<IRS-NUMBER>954788120
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>000-30421
<FILM-NUMBER>02692901
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>3660 WILSHIRE BLVD SUITE PH-A
<CITY>LOS ANGELES
<STATE>CA
<ZIP>90010
<PHONE>2133822200
</BUSINESS-ADDRESS>
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<TYPE>8-K
<SEQUENCE>1
<FILENAME>a2083614z8-k.htm
<DESCRIPTION>8-K
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<P ALIGN="CENTER"><FONT SIZE=5><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>  </B></FONT><FONT SIZE=2><B>Washington, D.C. 20549  </B></FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><B> <A NAME="ba1785_form_8-k"> </A>
<A NAME="toc_ba1785_1"> </A> </B></FONT><FONT SIZE=5><B>FORM 8-K    <BR>  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>CURRENT REPORT<BR>  </B></FONT><FONT SIZE=2>Pursuant to Section&nbsp;13 or 15(d) of<BR>
The Securities Exchange Act of 1934 </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>Date
of Report: June&nbsp;28, 2002<BR>
(Date of earliest event reported) </FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=5><B>Hanmi Financial Corporation<BR>  </B></FONT><FONT SIZE=2>(exact name of registrant as specified in its charter) </FONT></P>

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<TD WIDTH="32%" ALIGN="CENTER"><FONT SIZE=2><B>Delaware</B></FONT><FONT SIZE=2><BR>
(State or other jurisdiction<BR>
of incorporation or organization)</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%" ALIGN="CENTER"><FONT SIZE=2><B>000-30421</B></FONT><FONT SIZE=2><BR>
(Commission File No.)</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%" ALIGN="CENTER"><FONT SIZE=2><B>95-4788120</B></FONT><FONT SIZE=2><BR>
(I.R.S. Employer Identification No.)</FONT></TD>
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<P ALIGN="CENTER"><FONT SIZE=2><B>3660 Wilshire Blvd. PH-A<BR>
Los Angeles, California 90010<BR>  </B></FONT><FONT SIZE=2>(Address of Principal executive offices, including zip code) </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>(213)&nbsp;382-2200</B></FONT><FONT SIZE=2><BR>
(Registrant's telephone number, including area code) </FONT></P>

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<P><FONT SIZE=2><A
NAME="de1785_item_5._other_events."> </A>
<A NAME="toc_de1785_1"> </A>
<BR></FONT><FONT SIZE=2><B>ITEM 5.&nbsp;&nbsp;&nbsp;&nbsp;Other Events.    <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On June&nbsp;28, 2002, the Registrant issued a press release announcing its exposure of WorldCom,&nbsp;Inc. Bond that it holds. Such press release is filed
herein as Exhibit&nbsp;99.1. </FONT></P>

<P><FONT SIZE=2><A
NAME="de1785_item_7._financial_statements,___ite02795"> </A>
<A NAME="toc_de1785_2"> </A>
<BR></FONT><FONT SIZE=2><B>ITEM 7.&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements, Pro Forma Financial Information and Exhibits.    <BR>  </B></FONT></P>

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<TH WIDTH="12%" ALIGN="CENTER"><FONT SIZE=1><B>Exhibit Number<BR> </B></FONT><HR NOSHADE></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="85%" ALIGN="CENTER"><FONT SIZE=1><B>Description of Exhibit</B></FONT><HR NOSHADE></TH>
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<TD WIDTH="12%" ALIGN="RIGHT"><FONT SIZE=2>99.1</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="85%"><FONT SIZE=2>Press Release of Hanmi Financial Corporation, dated June&nbsp;28, 2002, announcing its exposure of WorldCom,&nbsp;Inc. Bond.</FONT></TD>
</TR>
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<P ALIGN="CENTER"><FONT SIZE=2><A
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<A NAME="toc_de1785_3"> </A>
<BR></FONT><FONT SIZE=2><B>SIGNATURE    <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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, </FONT></P>

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<TD COLSPAN=3><FONT SIZE=2>Hanmi Financial Corporation</FONT></TD>
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Date: June&nbsp;28, 2002</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%"><FONT SIZE=2><BR>
By</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="40%"><FONT SIZE=2><BR>
&nbsp;&nbsp;&nbsp;&nbsp;/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>YONG KU CHOE</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE></TD>
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<TD WIDTH="47%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%"><FONT SIZE=2><I>Name:</I></FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="40%"><FONT SIZE=2>Yong Ku Choe</FONT></TD>
</TR>
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<TD WIDTH="47%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%"><FONT SIZE=2><I>Title:</I></FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="40%"><FONT SIZE=2>Senior Vice President and Chief Financial Officer<BR>
(principal financial and accounting officer)</FONT></TD>
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NAME="de1785_exhibit_index"> </A>
<A NAME="toc_de1785_4"> </A>
<BR></FONT><FONT SIZE=2><B>EXHIBIT INDEX    <BR>  </B></FONT></P>

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<TH WIDTH="91%" ALIGN="CENTER"><FONT SIZE=1><B>Description</B></FONT><HR NOSHADE></TH>
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<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2>99.1</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="91%"><FONT SIZE=2>Press Release of Hanmi Financial Corporation, dated June&nbsp;28, 2002, announcing its exposure of WorldCom,&nbsp;Inc. Bond.</FONT></TD>
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<BR>
<P><br><A NAME="02BHL1785_1">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_ba1785_1">FORM 8-K</A></FONT><BR>
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<FONT SIZE=2><A HREF="#toc_de1785_1">ITEM 5. Other Events.</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_de1785_2">ITEM 7. Financial Statements, Pro Forma Financial Information and Exhibits.</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_de1785_3">SIGNATURE</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_de1785_4">EXHIBIT INDEX</A></FONT><BR>
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<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>a2083614zex-99_1.htm
<DESCRIPTION>EXHIBIT 99.1
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<P ALIGN="RIGHT"><FONT SIZE=2><A
NAME="ka1785_exhibit_99.1"> </A>
<A NAME="toc_ka1785_1"> </A>
<BR></FONT><FONT SIZE=2><B>Exhibit 99.1    <BR>  </B></FONT></P>

<P><FONT SIZE=2><B>Hanmi Financial Corp. Announces WorldCom,&nbsp;Inc. Bond Exposure  </B></FONT></P>

<P><FONT SIZE=2>Hanmi
Financial Corporation (Nasdaq: </FONT><FONT SIZE=2><B>HAFC</B></FONT><FONT SIZE=2>), parent of Hanmi Bank, announced today that it holds $5&nbsp;million of WorldCom,&nbsp;Inc. bond due on
January&nbsp;15, 2003 in its $203&nbsp;million of investment portfolio. </FONT></P>

<P><FONT SIZE=2>The
Company is evaluating the magnitude of the "other than temporary" decline in fair market value of the WorldCom bond. The amount of the decline will be reflected as a realized loss and charged to
income. </FONT></P>

<P><FONT SIZE=2>The
Company expects that this event will not affect on the Company's future operating performance. </FONT></P>

<P><FONT SIZE=2>Hanmi
Financial Corporation is a publicly owned company with $1.2&nbsp;billion in assets, whose stock is traded on the Nasdaq National Market, under the symbol </FONT> <FONT SIZE=2><B>"HAFC"</B></FONT><FONT SIZE=2>. The Company's wholly-owned subsidiary,
Hanmi Bank, is the largest financial institution in the nation on the Korean-American community. Hanmi
Bank provides services to the multi-ethnic communities of Southern California with twelve full service offices in Los Angeles, Orange and San Diego counties. It specializes in commercial, SBA, trade
finance, and consumer lending. </FONT></P>

<P><FONT SIZE=2><I>Except for the historical information in this news release, the matters described herein are forward-looking statements within the meaning of the Private Securities Litigation
Reform Act of 1995 and are subject to risks and uncertainties that could cause results to differ materially. Such risks and uncertainties include those related to economic trends, credit risk
management, loan portfolio performance, interest rate changes, and other risks and uncertainties discussed from time to time in Hanmi Financial Corporation's securities
filings.</I></FONT></P>

<P><FONT SIZE=2>CONTACT:&nbsp;&nbsp;&nbsp;&nbsp;Hanmi
Financial Corporation<BR>
Yong Ku Choe, CFO, 213/368-3200 </FONT></P>

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<P><br><A NAME="02BHL1785_2">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_ka1785_1">Exhibit 99.1</A></FONT><BR>
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