SOURCE: World Street Fundamentals

July 01, 2011 09:00 ET

Equity Research on Hanmi Financial Corporation and Lloyds Banking Group - Banking on Optimistic Returns

HONG KONG--(Marketwire - Jul 1, 2011) - Today, www.WorldStreetFundamentals.com released its industry report highlighting Hanmi Financial Corporation (NASDAQ: HAFC) and Lloyds Banking Group (NYSE: LYG). Full fundamental and technical analysis is available at www.WorldStreetFundamentals.com/Reports.php.

The United States banking industry is still questionable even though we have seen a sizeable recovery in recent quarters and several catalysts are to blame: asset quality is in check, tight regulations and banks tightening their belts, and worst of all the continued rise of residential and commercial foreclosures and loan defaults. Better news is that while low liquidity, loan demand and revenues continue to plague the financial system, help from the government has kept the industry relatively stable. Banks are aggressively playing "catch-up," concentrating on problem credits in residential and commercial real estate and the government has raised the bar providing substantial capital and debt guarantees.

World Street Fundamentals has highlighted Hanmi Financial Corporation as a holding company for Hanmi Bank (the Bank). The Bank is a community bank conducting general business banking, with its primary market encompassing the Korean-American community and other communities in the multi-ethnic populations of Los Angeles County, Orange County, San Bernardino County, San Diego County, the San Francisco Bay area, and the Silicon Valley area in Santa Clara County. The Bank provides its banking services through its branch network to a variety of small- to medium-sized businesses. The entire report on Hanmi Financial Corporation (NASDAQ: HAFC) is available here: www.WorldStreetFundamentals.com/ViewFullReport.245.php.

World Street has highlighted Lloyds Banking Group as a financial services group providing a range of banking and financial services, primarily in the United Kingdom, to personal and corporate customers. The Company operates in four segments: Retail, Wholesale, Wealth and International, and Insurance. Its main business activities are retail, commercial and corporate banking, general insurance, and life, pensions and investment provision. It also operates an international banking business with a global footprint in over 30 countries. The entire report on Lloyds Banking Group (NYSE: LYG) is available here: www.WorldStreetFundamentals.com/ViewFullReport.138.php.

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