Financial Data and Key Metrics Changes - The company reported net income of $57.7 million, earnings per share of $0.45, and a return on average tangible common equity of 15.08% [7] - Net interest income decreased by $3.5 million from the prior quarter to $133.9 million, primarily due to a $6.8 million drop in PPP loan fees and interest [13] - The net interest margin increased by 4 basis points to 2.42% [13] - The common equity Tier 1 capital increased to 12.27% [7] Business Line Data and Key Metrics Changes - Period-end loans and leases were $12.9 billion, a decrease of $70 million from the end of Q4, with total loans increasing by about $40 million, or 1.3% on an annualized basis, excluding PPP loans [9] - Deposits increased by 2.1% or $454 million to $22.3 billion at quarter-end, driven by consumer and commercial loan deposits [12] - Non-interest income was $41.4 million, essentially flat compared to the prior quarter [15] Market Data and Key Metrics Changes - The company noted strong visitor arrivals expected in Hawaii this summer, aided by the return of Japanese visitors [5] - The loan pipeline was reported as strong, with good origination activity and growth expected in the portfolio [11] Company Strategy and Development Direction - The company is positioned to benefit from higher interest rates, with expectations of a few basis points increase in net interest margin in Q2 due to the March rate hike [14] - The outlook for 2022 remains unchanged, with year-over-year loan growth expected in the mid-to-high single-digit range [11] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the improving Hawaii economy as COVID-related restrictions ease, predicting strong visitor numbers [5] - The bank is prepared for various scenarios regarding deposit levels and is focused on maintaining flexibility to fund loan demand [12][26] Other Important Information - The allowance for credit loss decreased by $7 million to $150.3 million, equating to 1.17% of all loans [18] - The company has returned 82% of its needs to shareholders since going public, with a focus on maintaining capital for loan growth before pursuing share repurchases [46] Q&A Session Summary Question: Commentary on loan growth and competition - Management indicated that mid-to-high single-digit loan growth is expected, driven by robust mainland growth, despite some unanticipated repayments and increased competition [22][23] Question: Update on dealer finance and balances - Dealer flooring balances are down over $600 million from pre-pandemic levels, with demand increasing but inventory challenges persisting [25] Question: Outlook for deposit growth amid Fed actions - Management is prepared for various scenarios regarding deposit balances and expects deposit betas to behave similarly to previous cycles [26] Question: C&I loan growth compared to other regional banks - Management noted that line usage has not increased yet due to strong liquidity among customers, impacting C&I loan growth [28] Question: Outlook for residential mortgage and home equity - Growth is expected primarily in commercial real estate, with residential and home equity slowing due to rising mortgage rates, but new home buying remains strong [30] Question: Non-interest income and BOLI impacts - Management expects service charges and transaction-based fees to trend higher as economic activity picks up, with BOLI income anticipated to stabilize around $3 million [39][57] Question: Credit quality and competitive dynamics - Management remains disciplined in credit underwriting, focusing on well-structured opportunities, while being cautious about external economic factors [44] Question: Update on core conversion - The core conversion is on track for the upcoming quarter, with customer notices already sent out [47] Question: Comments on unsecured consumer book - The company maintains a conservative approach to the unsecured consumer book, with low charge-offs and a disciplined underwriting strategy [79]

1 st QUARTER 2022 EARNINGS CALL 0 April 22, 2022 FORWARD-LOOKING STATEMENTS 1 This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as "may", "might", "should", "could", "predict", "potential", "believe", ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ 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 001-14585 FIRST HAWAIIAN, INC. (Exact Name of Registrant as Specified in its Charter) Delaware 99-0156159 (State or Other Jurisdiction of Incorporat ...

First Hawaiian, Inc. (NASDAQ:FHB) Q4 2021 Earnings Conference Call January 21, 2022 1:00 PM ET Company Participants Kevin Haseyama - Investor Relations Manager Robert Harrison - Chairman, President and CEO Ralph Mesick - Vice Chairman & Chief Risk Officer Conference Call Participants Steven Alexopoulos - JPMorgan Ebrahim Poonawala - the Bank of America Andrew Liesch - Piper Sandler David Feaster - Raymond James Kelly Motta - KBW Jared Shaw - Wells Fargo Laurie Hunsicker - Compass Point Disclaimer*: This tra ...

4 th QUARTER 2021 EARNINGS CALL 0 January 21, 2022 FORWARD-LOOKING STATEMENTS 1 This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as "may", "might", "should", "could", "predict", "potential", "believe" ...

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First Hawaiian, Inc. (NASDAQ:FHB) Q3 2021 Earnings Conference Call October 22, 2021 1:00 PM ET Company Participants Kevin Haseyama - Investor Relations Manager Bob Harrison - Chairman, President and CEO Ravi Mallela - Chief Financial Officer Ralph Mesick - Chief Risk Officer Conference Call Participants Ebrahim Poonawala - the Bank of America Steven Alexopoulos - JPMorgan David Feaster - Raymond James Andrew Liesch - Piper Sandler Jared Shaw - Wells Fargo Laurie Hunsicker - Compass Point Operator Good day ...

3 rd QUARTER 2021 EARNINGS CALL 0 October 22, 2021 FORWARD-LOOKING STATEMENTS 1 This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as "may", "might", "should", "could", "predict", "potential", "believe" ...

Financial Performance - Net income for Q2 2021 was $86.7 million, compared to $57.7 million in Q1 2021[11] - Loans grew by $151 million (excluding PPP loans) in Q2 2021[11] - Deposits increased by $701 million in Q2 2021, with a 1 basis point decrease in the cost of deposits[11] - A $35 million release in provision expense was recorded due to excellent credit quality[11, 21] - The company repurchased $22.4 million of common stock[11] Key Ratios - Net Interest Margin (NIM) decreased to 2.46% in Q2 2021 from 2.55% in Q1 2021[11] - The Efficiency Ratio was 54.7% in Q2 2021, compared to 55.5% in Q1 2021[11] - Return on Average Assets (ROA) was 1.45% and Return on Average Tangible Assets (ROATA) was 1.51%[11] - CET1 Capital Ratio was 12.76%[11] Loan Portfolio - Total Loans decreased by $197 million[12] - CRE loans increased by $132 million (+3.9%)[12] - Construction loans increased by $115 million (+15.5%)[12] - Residential loans increased by $106 million (+2.8%)[12]

0 Investor Presentation May 2021 DISCLAIMER 1 Forward-Looking Statements This presentation contains, and from time-to-time in connection with this presentation our management may make, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward looking statements reflect our views at such time with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or p ...