Bank of Hawaii Corporation (NYSE:BOH) Q3 2022 Earnings Conference Call October 24, 2022 2:00 PM ET Company Participants Jennifer Lam - EVP, Treasurer and Director of IR Peter Ho - Chairman, President and CEO Dean Shigemura - VC and CFO Mary Sellers - VC and Chief Risk Officer Conference Call Participants Jeffrey Rulis - D.A. Davidson & Co. Kelly Motta - Keefe, Bruyette & Woods, Inc. Andrew Liesch - Piper Sandler & Co. Laurie Hunsicker - Compass Point Operator Good day, and thank you for standing by. Welcome ...

Bank of Hawaii Corporation (NYSE:BOH) Q2 2022 Earnings Conference Call July 25, 2022 2:00 PM ET Company Participants Jennifer Lam - Executive Vice President, Treasurer and Director of Investor Relations Peter Ho - Chairman, President and Chief Executive Officer Dean Shigemura - Vice Chairman and Chief Financial Officer Mary Sellers - Vice Chairman and Chief Risk Officer Conference Call Participants Andrew Liesch - Piper Sandler & Co. Kelly Motta - Keefe, Bruyette & Woods, Inc. Laurie Hunsicker - Compass Poi ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) Honolulu (City) Hawaii (State) 96813 (ZipCode) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the quarterly period ended June 30, 2022 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the transition period from to Commission File Number: 1-6887 BANK OF HAWAII CORPORATION (Exact name of registrant as spec ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the quarterly period ended March 31, 2022 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the transition Hawaii (State) 96813 (ZipCode) period from to Commission File Number: 1-6887 BANK OF HAWAII CORP (Exact name of registrant as specified in its charter) ...

Bank of Hawaii Corporation (NYSE:BOH) Q1 2022 Results Conference Call April 25, 2022 2:00 PM ET Company Participants Janelle Higa - Head of IR Peter Ho - Chairman, President and CEO Dean Shigemura - CFO Mary Sellers - CRO Conference Call Participants Jeff Rulis - D.A. Davidson Andrew Liesch - Piper Sandler Ebrahim Poonawala - Bank of America Kelly Motta - KBW Laurie Hunsicker - Compass Point Operator Ladies and gentlemen, thank you for standing by, and welcome to the Bank of Hawaii Corporation First Quarter ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the fiscal year ended December 31, 2021 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the transition period from to Commission File Number: 1-6887 BANK OF HAWAII CORP (Exact name of registrant as specified in its charter) Delaware 99-0148992 (State of incorp ...

Financial Data and Key Metrics Changes - Bank of Hawaii achieved record net income of $253.4 million and record earnings per common share of $6.25 for 2021 [19] - Net income for the fourth quarter was $63.8 million, translating to $1.55 per common share [19] - Return on assets during the fourth quarter was 1.12%, and return on common equity was 17.4% [31] - Net interest margin in the fourth quarter was 2.34%, an increase of 2 basis points from the third quarter [31] Business Line Data and Key Metrics Changes - Core loans net of PPP waivers increased by $327 million, or 2.8% linked quarter, and by $710 million year-over-year, or 6.2% [13] - Non-interest income totaled $42.6 million in the fourth quarter, up $1.2 million from the third quarter, driven by higher deposit fees and service charges [20] - Non-interest expense in the fourth quarter totaled $101.7 million, up from $96.5 million in the third quarter [22] Market Data and Key Metrics Changes - Unemployment rate improved to about 6% as of November 2021, showing steady recovery from the distressed levels in April 2020 [7] - Single-family home sales on Oahu increased by almost 18% in 2021, with median sales price up 19.3% to $990,000 [8] - The visitor market showed strong performance, nearly reaching parity with 2019 levels during the summer of 2021 [10] Company Strategy and Development Direction - The company plans to continue strategic innovation investments, expecting total expenses to increase by 5.9% over 2021's normalized expenses [29] - The focus remains on maintaining a strong base of low-cost deposits to support growth and take advantage of rising rates [18] - The company aims to enhance market share and revenue growth through strategic initiatives [56] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the return of international travelers in the latter half of 2022, which is expected to positively impact the visitor industry [12] - The company anticipates continued improvement in core margin due to loan and deposit growth and higher interest rates [32] - Management noted that credit metrics remain strong, with a negative provision for credit losses of $9.7 million in the fourth quarter [37] Other Important Information - The company repurchased 87,000 shares of common stock for a total of $7.3 million during the fourth quarter [33] - The Board declared a dividend of $0.70 per common share for the first quarter of 2022 [33] Q&A Session Summary Question: What is the margin guidance assuming higher rates? - The company assumes three rate hikes starting in March, with a long-term outlook of about a 2% 10-year [41] Question: What is the timing of repricing for adjustable loans? - The average repricing period for adjustable loans is roughly three years, with about $400 million repricing in two years or less [42] Question: How should the tax rate be estimated for 2022? - The estimated tax rate for 2022 is expected to be around 23% [61]

Bank of Hawaii Corporation (NYSE:BOH) Q3 2021 Earnings Conference Call October 25, 2021 2:00 PM ET Company Participants Janelle Higa - Head of IR Peter Ho - Chairman, President and CEO Dean Shigemura - CFO Mary Sellers - CRO Conference Call Participants Andrew Liesch - Piper Sandler Jeff Rulis - D.A. Davidson Laurie Hunsicker - Compass Point Operator Good day, and thank you for standing by. Welcome to the Bank of Hawaii Corporation Third Quarter 2021 Earnings Conference Call. At this time, all participants ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the quarterly period ended September 30, 2021 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the transition Hawaii 96813 (ZipCode) period from to Commission File Number: 1-6887 BANK OF HAWAII CORP (Exact name of registrant as specified in its charter) Dela ...

Bank of Hawaii Corporation (NYSE:BOH) Q2 2021 Earnings Conference Call July 26, 2021 2:00 PM ET Company Participants Janelle Higa - Head of Investor Relations Peter Ho - Chairman, President and CEO Dean Shigemura - Chief Financial Officer Mary Sellers - Chief Risk Officer Conference Call Participants Ebrahim Poonawala - Bank of America Jeff Rulis - D.A. Davidson Andrew Liesch - Piper Sandler Jackie Bohlen - KBW Laurie Hunsicker - Compass Point Operator Good day, everyone, and thank you for standing by. Welc ...