Bank of Hawaii Corporation (BOH): Business Model Canvas

Eingebettet im Herzen der pulsierenden Finanzlandschaft Hawaiis ist die Bank of Hawaii Corporation (BOH) ein dynamisches Kraftpaket, das innovative Bankstrategien und tief verwurzelte Community-Verbindungen miteinander verbindet. Dieses umfassende Business Model Canvas zeigt, wie die Bank traditionelle Bankparadigmen verändert, indem sie lokales Fachwissen, modernste digitale Infrastruktur und ein gezieltes Engagement für die Betreuung hawaiianischer Einwohner und Unternehmen nutzt. Von personalisierten Finanzlösungen bis hin zu fortschrittlichen Technologieplattformen zeigt der einzigartige Ansatz von BOH, warum das Unternehmen mehr als nur eine Bank ist – es ist ein entscheidender Wirtschaftskatalysator für die Hawaii-Inseln.

Bank of Hawaii Corporation (BOH) – Geschäftsmodell: Wichtige Partnerschaften

Lokale hawaiianische Unternehmen und Handelsunternehmen

Ab 2023 unterhält die Bank of Hawaii strategische Partnerschaften mit rund 3.500 lokalen hawaiianischen Unternehmen in verschiedenen Sektoren.

Unternehmenssektor	Anzahl der Partnerschaften	Gesamtgeschäftsvolumen
Gastfreundschaft	672	215,6 Millionen US-Dollar
Landwirtschaft	413	87,3 Millionen US-Dollar
Immobilien	891	456,2 Millionen US-Dollar

Federal Home Loan Bank von Des Moines

Die Bank of Hawaii unterhält eine umfassende Kreditpartnerschaft mit der Federal Home Loan Bank of Des Moines mit einer Gesamtvorschusslinie von 487 Millionen US-Dollar ab dem vierten Quartal 2023.

Zahlungsnetzwerkpartnerschaften

Die Bank of Hawaii arbeitet mit großen Zahlungsnetzwerken zusammen:

• Visa: Transaktionsvolumen von 2,3 Milliarden US-Dollar im Jahr 2023
• Mastercard: Transaktionsvolumen von 1,9 Milliarden US-Dollar im Jahr 2023

Versicherungs- und Investmentdienstleister

Partner	Servicetyp	Partnerschaftswert
Prudential Financial	Wertpapierdienstleistungen	124 Millionen Dollar
AIG	Versicherungsprodukte	89,5 Millionen US-Dollar

Anbieter von Technologie und Cybersicherheit

Die Bank of Hawaii investiert jährlich 37,6 Millionen US-Dollar in Technologie- und Cybersicherheitspartnerschaften.

• Microsoft: Cloud-Infrastrukturpartnerschaft
• Palo Alto Networks: Cybersicherheitslösungen
• Cisco Systems: Netzwerksicherheitsinfrastruktur

Bank of Hawaii Corporation (BOH) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im Jahr 2023 meldete die Bank of Hawaii ein Gesamtvermögen von 20,2 Milliarden US-Dollar und Gesamteinlagen von 17,5 Milliarden US-Dollar. Die Bank betreibt 66 Filialen in ganz Hawaii und bietet umfassende Bankdienstleistungen an.

Kategorie Bankdienstleistungen	Jahresumsatz (2023)	Anzahl der Kunden
Kommerzielles Banking	312 Millionen Dollar	8.750 Geschäftskunden
Privatkundengeschäft	287 Millionen Dollar	215.000 Privatkunden

Hypothekendarlehen und -abwicklung

Im Jahr 2023 verarbeitete die Bank of Hawaii Hypothekendarlehen in Höhe von 1,3 Milliarden US-Dollar mit einer durchschnittlichen Kredithöhe von 475.000 US-Dollar.

• Vergabe von Wohnhypotheken: 1,1 Milliarden US-Dollar
• Gewerbliche Immobilienkredite: 420 Millionen US-Dollar
• Durchschnittliche Hypothekenbearbeitungszeit: 37 Tage

Vermögensverwaltung und Finanzberatung

Das Segment Vermögensverwaltung erwirtschaftete im Jahr 2023 einen Umsatz von 156 Millionen US-Dollar.

Servicekategorie	Verwaltetes Vermögen	Durchschnittlicher Wert des Kundenportfolios
Persönliche Vermögensverwaltung	4,2 Milliarden US-Dollar	$875,000
Institutionelle Beratung	2,6 Milliarden US-Dollar	3,5 Millionen Dollar

Entwicklung einer digitalen Banking-Plattform

Die Investitionen in digitale Banken beliefen sich im Jahr 2023 auf insgesamt 42 Millionen US-Dollar.

• Mobile-Banking-Nutzer: 185.000
• Online-Banking-Transaktionen: 3,2 Millionen monatlich
• Budget für die Entwicklung digitaler Plattformen: 15,7 Millionen US-Dollar

Risikomanagement und Compliance-Überwachung

Das Budget der Compliance- und Risikomanagementabteilung für 2023 betrug 37,5 Millionen US-Dollar.

Compliance-Bereich	Jährliche Überwachungskosten	Engagiertes Personal
Einhaltung gesetzlicher Vorschriften	22,3 Millionen US-Dollar	87 Mitarbeiter
Betrugsprävention	15,2 Millionen US-Dollar	62 Mitarbeiter

Bank of Hawaii Corporation (BOH) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk in Hawaii

Im vierten Quartal 2023 betreibt die Bank of Hawaii 56 Filialen auf den Hawaii-Inseln, mit einem erheblichen Schwerpunkt auf Oahu.

Standort	Anzahl der Filialen
Oahu	38
Hawaii-Insel	9
Maui	6
Kauai	3

Erfahrenes Finanzmanagement-Team

Ab 2024 gehören zur Führungsspitze der Bank of Hawaii:

• Peter Ho – Vorsitzender, Präsident und CEO
• Dekan Shigemura – Finanzvorstand
• Kent Tsukamoto – Chief Operating Officer

Fortschrittliche digitale Banking-Infrastruktur

Kennzahlen der digitalen Banking-Plattform ab 2023:

Digitaler Service	Benutzeranzahl
Mobile-Banking-Benutzer	223,000
Online-Banking-Benutzer	185,000

Robuste Kundeneinlagenbasis

Gesamteinlagen zum 31. Dezember 2023: 18,2 Milliarden US-Dollar

Einzahlungsart	Betrag
Unverzinsliche Einlagen	4,3 Milliarden US-Dollar
Verzinsliche Einlagen	13,9 Milliarden US-Dollar

Proprietäre Finanztechnologiesysteme

Technologieinvestitionen im Jahr 2023: 42,5 Millionen US-Dollar

• Modernisierung des Kernbankensystems
• Upgrades der Cybersicherheitsinfrastruktur
• KI-gesteuerte Kundendienstplattformen

Bank of Hawaii Corporation (BOH) – Geschäftsmodell: Wertversprechen

Umfassende Finanzdienstleistungen für Einwohner Hawaiis

Ab dem vierten Quartal 2023 bietet die Bank of Hawaii das folgende Finanzdienstleistungsportfolio an:

Servicekategorie	Gesamtvermögen	Marktdurchdringung
Persönliches Banking	9,2 Milliarden US-Dollar	48,3 % der Einwohner Hawaiis
Kommerzielles Banking	6,7 Milliarden US-Dollar	37,6 % der lokalen Unternehmen
Vermögensverwaltung	3,5 Milliarden US-Dollar	22,1 % der vermögenden Kunden

Personalisierte Banklösungen für lokale Gemeinschaften

Zu den lokalisierten Banklösungen gehören:

• Spezialisierte Kreditprogramme für Kleinunternehmen
• Finanzinitiativen zur Gemeindeentwicklung
• Maßgeschneiderte Hypothekenprodukte für Einwohner Hawaiis

Wettbewerbsfähige Zinssätze und Bankprodukte

Produkt	Zinssatz	Marktvergleich
Sparkonto	3.25%	0,5 % über dem regionalen Durchschnitt
Persönliche Überprüfung	2.75%	0,3 % über dem regionalen Durchschnitt
Eigenheimhypothek	6.85%	0,2 % unter dem regionalen Durchschnitt

Bequeme digitale und mobile Banking-Erlebnisse

Digital-Banking-Kennzahlen für 2023:

• Mobile-Banking-Nutzer: 276.000
• Online-Transaktionsvolumen: 4,2 Millionen monatlich
• Akzeptanzrate des digitalen Bankings: 62,4 %

Starkes Engagement für die lokale Wirtschaftsentwicklung

Initiative zur wirtschaftlichen Unterstützung	Gesamtinvestition	Auswirkungen
Kredite für kleine Unternehmen	425 Millionen Dollar	Unterstützung für 3.200 lokale Unternehmen
Zuschüsse für die Gemeindeentwicklung	12,3 Millionen US-Dollar	Finanzierung von 87 lokalen Projekten
Unterstützung der lokalen Infrastruktur	58 Millionen Dollar	Projekte zur Verbesserung der Infrastruktur

Bank of Hawaii Corporation (BOH) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Die Bank of Hawaii bietet persönlichen Kundenservice über 56 Filialen in Hawaii und im Pazifik. Im Jahr 2022 betreute die Bank rund 535.000 Kunden mit einer durchschnittlichen Kundenzufriedenheitsbewertung von 4,2 von 5.

Servicekanal	Kundeninteraktionsvolumen (2022)
Persönlicher Filialservice	247.500 Kundeninteraktionen
Telefonbanking	189.300 Kundeninteraktionen
Online-Kundensupport	98.200 Kundeninteraktionen

Langfristiges Beziehungsmanagement

Die Bank weist ab 2022 eine durchschnittliche Kundenbindungsrate von 87,3 % auf dedizierte Beziehungsmanagementstrategien unterschiedliche Kundensegmente ansprechen.

• Durchschnittliche Kundenzugehörigkeit: 9,6 Jahre
• Mitgliedschaft im Kundenbindungsprogramm: 62 % des gesamten Kundenstamms
• Wiederholungskundenquote bei Finanzprodukten: 73 %

Digitale Self-Service-Banking-Plattformen

Die digitale Banking-Plattform der Bank of Hawaii verarbeitete im Jahr 2022 24,7 Millionen digitale Transaktionen, was 68 % der gesamten Bankinteraktionen entspricht.

Digitale Plattform	Monatlich aktive Benutzer (2022)
Mobile-Banking-App	276.500 Benutzer
Online-Banking-Website	342.700 Benutzer

Dedizierte Kundenbetreuer für Geschäftskunden

Die Bank of Hawaii betreut 22.300 Geschäftskunden mit spezialisierten Relationship-Management-Teams. Die Geschäftsbankabteilung der Bank erwirtschaftete im Jahr 2022 Einnahmen aus dem Geschäftsbankgeschäft in Höhe von 127,4 Millionen US-Dollar.

• Durchschnittliche Anzahl Kundenbetreuer: 87
• Durchschnittliche Größe des Geschäftskundenportfolios pro Manager: 256 Kunden
• Bindungsrate von Geschäftskunden: 91,2 %

Community-Engagement und lokale Unterstützungsprogramme

Im Jahr 2022 investierte die Bank of Hawaii 3,2 Millionen US-Dollar in lokale Gemeindeunterstützungsprogramme auf ganz Hawaii und unterstützte 127 lokale gemeinnützige Organisationen.

Community-Support-Kategorie	Investitionsbetrag (2022)
Bildungsinitiativen	1,1 Millionen US-Dollar
Wirtschaftsentwicklung	$892,000
Umweltprogramme	$678,000
Kulturerhaltung	$530,000

Bank of Hawaii Corporation (BOH) – Geschäftsmodell: Kanäle

Online-Banking-Website

Die Online-Banking-Plattform der Bank of Hawaii bedient im vierten Quartal 2023 246.000 aktive Digital-Banking-Nutzer. Die Website verarbeitet monatlich etwa 3,2 Millionen digitale Transaktionen mit einer Verfügbarkeitszuverlässigkeit von 99,7 %.

Digitale Kanalmetrik	Leistung 2023
Aktive Online-Banking-Benutzer	246,000
Monatliche digitale Transaktionen	3,200,000
Website-Verfügbarkeit	99.7%

Mobile-Banking-Anwendung

Die mobile App der Bank of Hawaii hat 185.000 aktive Mobile-Banking-Benutzer. Die App unterstützt Über 200 Bankfunktionen und verarbeitet 2,1 Millionen mobile Transaktionen pro Monat.

• Gesamtzahl der Downloads mobiler Apps: 275.000
• Mobiles Transaktionsvolumen: 2,1 Millionen/Monat
• App Store-Bewertung: 4,6/5

Physisches Filialnetz in Hawaii

Die Bank of Hawaii betreibt 66 physische Filialen auf den Hawaii-Inseln, davon 54 auf Oahu, 6 auf der Hawaii-Insel, 4 auf Maui und 2 auf Kauai.

Insel	Anzahl der Filialen
Oahu	54
Hawaii-Insel	6
Maui	4
Kauai	2

ATM-Infrastruktur

Die Bank of Hawaii unterhält 125 Geldautomaten auf ganz Hawaii, davon 85 auf Oahu, 20 auf der Insel Hawaii, 12 auf Maui und 8 auf Kauai.

Kundendienst-Callcenter

Die Bank of Hawaii betreibt zwei primäre Callcenter, die monatlich 95.000 Kundeninteraktionen mit einer durchschnittlichen Reaktionszeit von 2,3 Minuten abwickeln.

Callcenter-Metrik	Leistung
Monatliche Kundeninteraktionen	95,000
Durchschnittliche Reaktionszeit	2,3 Minuten

Bank of Hawaii Corporation (BOH) – Geschäftsmodell: Kundensegmente

Privatkunden im Privatkundengeschäft

Im Jahr 2023 betreut die Bank of Hawaii etwa 245.000 private Privatkunden in Hawaii. Die Aufschlüsselung des Kundenstamms umfasst:

Kundentyp	Prozentsatz	Geschätzte Anzahl
Inhaber persönlicher Girokonten	52%	127,400
Inhaber persönlicher Sparkonten	38%	93,100
Online-Banking-Benutzer	67%	164,300

Kleine und mittlere hawaiianische Unternehmen

Die Bank of Hawaii unterstützt rund 18.500 kleine und mittlere Unternehmen auf den Hawaii-Inseln.

• Unternehmen mit einem Jahresumsatz unter 1 Million US-Dollar: 14.200
• Unternehmen mit einem Jahresumsatz von 1–10 Millionen US-Dollar: 3.600
• Durchschnittliche Kredithöhe für Unternehmen: 275.000 $
• Gesamtportfolio an gewerblichen Krediten: 2,3 Milliarden US-Dollar

Firmen- und Geschäftsbankkunden

Die Bank betreut 850 Firmen- und Geschäftsbankkunden mit unterschiedlichen Branchenvertretungen:

Industriesektor	Anzahl der Kunden	Gesamtwert der Bankbeziehung
Tourismus und Gastgewerbe	275	850 Millionen Dollar
Immobilien	210	675 Millionen Dollar
Landwirtschaft	125	325 Millionen Dollar
Gesundheitswesen	90	280 Millionen Dollar
Technologie	150	450 Millionen Dollar

Vermögende Privatpersonen

Die Bank of Hawaii verwaltet das Vermögen von 3.750 vermögenden Privatpersonen mit beträchtlichem Finanzvermögen:

• Kunden mit Vermögenswerten über 1 Million US-Dollar: 2.100
• Kunden mit Vermögenswerten über 5 Millionen US-Dollar: 850
• Gesamtvermögen der Vermögensverwaltung: 4,6 Milliarden US-Dollar
• Durchschnittliche Portfoliogröße: 1,23 Millionen US-Dollar

Kommunalverwaltung und institutionelle Kunden

Die Bank of Hawaii bietet Bankdienstleistungen für 65 lokale Regierungs- und institutionelle Kunden an:

Clienttyp	Anzahl der Kunden	Gesamtwert der Bankbeziehung
Landesregierungsbehörden	22	450 Millionen Dollar
Bezirksregierungen	15	210 Millionen Dollar
Bildungseinrichtungen	18	180 Millionen Dollar
Gemeinnützige Organisationen	10	85 Millionen Dollar

Bank of Hawaii Corporation (BOH) – Geschäftsmodell: Kostenstruktur

Gehälter und Vergütung der Mitarbeiter

Im Finanzbericht 2022 beliefen sich die gesamten Mitarbeitervergütungsaufwendungen der Bank of Hawaii Corporation auf 258,7 Millionen US-Dollar. Die Aufschlüsselung umfasst:

Vergütungskategorie	Betrag ($)
Grundgehälter	172,3 Millionen
Leistungsprämien	36,5 Millionen
Leistungen und Versicherung	49,9 Millionen

Wartung von Technologie und Infrastruktur

Die Kosten für die Technologieinfrastruktur der Bank of Hawaii beliefen sich im Jahr 2022 auf insgesamt 47,2 Millionen US-Dollar, darunter:

• Wartung der IT-Systeme: 22,6 Millionen US-Dollar
• Investitionen in Cybersicherheit: 9,8 Millionen US-Dollar
• Upgrades der digitalen Banking-Plattform: 14,8 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Ausgaben beliefen sich im Jahr 2022 auf 34,5 Millionen US-Dollar und verteilten sich wie folgt:

Compliance-Bereich	Betrag ($)
Regulatorische Berichterstattung	12,3 Millionen
Rechts- und Prüfungskosten	15,7 Millionen
Compliance-Schulung	6,5 Millionen

Betriebskosten der Filiale

Die branchenbezogenen Ausgaben für 2022 beliefen sich auf 63,4 Millionen US-Dollar:

• Miete und Belegung: 28,6 Millionen US-Dollar
• Versorgungsleistungen: 9,2 Millionen US-Dollar
• Filialausrüstung und Wartung: 25,6 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2022 beliefen sich auf 22,1 Millionen US-Dollar, darunter:

Marketingkanal	Betrag ($)
Digitales Marketing	8,7 Millionen
Traditionelle Medienwerbung	6,4 Millionen
Kundengewinnungsprogramme	7,0 Millionen

Bank of Hawaii Corporation (BOH) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Für das Geschäftsjahr 2023 meldete die Bank of Hawaii einen Gesamtzinsertrag von 511,1 Millionen US-Dollar. Der Nettozinsertrag betrug 393,3 Millionen US-Dollar.

Kreditkategorie	Gesamter ausstehender Saldo	Zinserträge
Gewerbliche Kredite	3,42 Milliarden US-Dollar	145,6 Millionen US-Dollar
Immobilienkredite	7,89 Milliarden US-Dollar	267,3 Millionen US-Dollar
Verbraucherkredite	1,15 Milliarden US-Dollar	98,2 Millionen US-Dollar

Bankgebühren und Servicegebühren

Im Jahr 2023 generierte die Bank of Hawaii 117,4 Millionen US-Dollar an Servicegebühren und Gebühren.

• Gebühren für die Kontoführung: 42,6 Millionen US-Dollar
• Transaktionsgebühren für Geldautomaten und Debitkarten: 28,7 Millionen US-Dollar
• Überziehungsgebühren: 15,3 Millionen US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 30,8 Millionen US-Dollar

Gebühren für die Vergabe von Hypotheken

Die Hypothekenvergabegebühren beliefen sich im Jahr 2023 auf insgesamt 23,6 Millionen US-Dollar, bei einem Gesamthypothekendarlehensvolumen von 1,67 Milliarden US-Dollar.

Hypothekentyp	Kreditvolumen	Entstehungsgebühren
Wohnhypotheken	1,42 Milliarden US-Dollar	19,8 Millionen US-Dollar
Gewerbliche Hypotheken	250 Millionen Dollar	3,8 Millionen US-Dollar

Beratungsdienstleistungen im Bereich Vermögensverwaltung

Vermögensverwaltungs- und Treuhanddienste erwirtschafteten im Jahr 2023 einen Umsatz von 45,2 Millionen US-Dollar.

• Verwaltetes Vermögen: 8,3 Milliarden US-Dollar
• Anlageberatungsgebühren: 26,7 Millionen US-Dollar
• Treuhand- und Treuhanddienstleistungen: 18,5 Millionen US-Dollar

Einnahmen aus der Transaktionsverarbeitung

Die Einnahmen aus der Transaktionsverarbeitung beliefen sich im Jahr 2023 auf 37,9 Millionen US-Dollar.

Transaktionstyp	Einnahmen
Kreditkartenabwicklung	22,6 Millionen US-Dollar
Elektronische Geldtransfers	9,3 Millionen US-Dollar
Andere Transaktionsdienste	6,0 Millionen US-Dollar

Bank of Hawaii Corporation (BOH) - Canvas Business Model: Value Propositions

You're looking at the core strengths Bank of Hawaii Corporation delivers to its customers and the market, which is really about deep local roots combined with rock-solid financial discipline. This is what sets Bank of Hawaii Corporation apart in its operating geography.

Localized expertise: Bank of Hawaii Corporation offers deep, long-standing knowledge of the unique Hawaii and West Pacific markets. This isn't just a branch presence; it's about market penetration built over decades. The bank advanced its #1 deposit market share position in Hawaii by 40 basis points as of 6/30/2025 and has grown market share by 600 basis points since 2005, well in excess of any competitor in the Hawaii market. The loan book reflects this focus, with 93% of loans tied to Hawaii, 4% in the Western Pacific, and 3% on the Mainland as of Q3 2025.

Fortress risk profile: The bank consistently emphasizes its fortress risk profile, which is backed by pristine credit quality metrics as of the third quarter of 2025. This discipline translates directly into stability for clients. Non-performing assets as a percentage of total loans and leases and foreclosed real estate stood at just 0.12% at the end of Q3 2025. Furthermore, the Tier 1 Capital Ratio was strong at 14.34% at September 30, 2025.

Here's a quick look at some key performance indicators that underscore this stability and performance:

Metric	Value (Q3 2025)	Context/Comparison
Non-Performing Assets (% of Loans/RE)	0.12%	Decrease of 2 basis points from September 30, 2024
Return on Average Common Equity (ROACE)	13.59%	Up from 11.50% in Q3 2024
Net Interest Margin (NIM)	2.46%	Sixth consecutive quarter of NIM expansion
Total Assets	$24.0 billion	Increase of 0.9% from September 30, 2024
Tier 1 Capital Ratio	14.34%	Well above regulatory well-capitalized minimums

Comprehensive financial services: Bank of Hawaii Corporation provides a full suite of services, covering the spectrum from everyday banking to managing substantial wealth. The business is structured across three main segments: Consumer Banking, Commercial Banking, and Treasury and Other. The loan portfolio breakdown shows a significant presence in both consumer and business lending as of Q3 2025:

• Consumer loans comprised 57%, totaling $7.9 billion.
• Commercial loans represented 43%, totaling $6.1 billion.

On the sophisticated side, the bank is actively modernizing its wealth offering, recently teaming with Cetera for a new broker-dealer platform named Bankoh Advisors to enhance service for the mass affluent space.

Relationship-based service: Personalized attention is key, especially for the bank's larger clients. The commercial book has a substantial $4 billion in Commercial Real Estate (CRE) assets, which is 29% of total loans. The bank emphasizes stronger client coordination within the high net worth space. This focus on deep relationships within its core geographic footprint supports its dominant market position.

Finance: draft 13-week cash view by Friday.

Bank of Hawaii Corporation (BOH) - Canvas Business Model: Customer Relationships

You're looking at how Bank of Hawaii Corporation builds and keeps its customer base, which is deeply rooted in the local economy. It's a relationship-first model, but with clear digital support running underneath.

Dedicated relationship managers: High-touch service for Commercial and Private Banking clients

The core of Bank of Hawaii Corporation's high-touch approach is client longevity. Honestly, the numbers here speak volumes about trust built over time. A significant portion of their lending book reflects this deep connection.

Here's the quick math on client tenure:

• Approximately 60% of commercial and consumer clients have been with Bank of Hawaii Corporation for over a decade.
• The loan portfolio is heavily concentrated locally: 93% in Hawaii, 4% in the Western Pacific, and just 3% on the Mainland, supporting clients with local operations.

This focus on long-standing relationships is definitely a key part of their 'fortress risk profile,' which helps keep credit quality pristine, like the net charge-off rate reported at just 0.07% in Q2 2025.

Digital self-service: High-volume, low-cost interactions via the mobile and online platforms

While the high-touch service anchors the big relationships, digital channels handle the volume efficiently. Bank of Hawaii Corporation is clearly investing here; they projected an allocation of 1% of core expenses in 2025 toward revenue-enhancing initiatives in mobile and data analytics. This supports their dominant market position, as they hold over 90% of market deposits alongside three other local banks, and their market share advanced by 40 basis points as of June 30, 2025.

The reliance on digital channels mirrors broader trends, where a significant majority of consumers-around 77 percent nationally in 2025 estimates-prefer managing accounts via mobile app or computer.

Metric	Value (as of mid-2025)	Context
Noninterest-bearing Deposits Percentage	26.1% of total deposit balances (Q2 2025)	Indicates a stable base of low-cost funding, often associated with transactional accounts.
Market Share Growth (Since 2005)	600 basis points	Demonstrates consistent brand strength and customer acquisition in the core market.
Investment in Digital/Mobile (2025 Projection)	1% of core expenses	Direct investment supporting digital self-service capabilities.

Community engagement: Local philanthropy and support, which reinforces the brand's trusted status

Community support isn't just goodwill; it's a deliberate reinforcement of the trusted local brand status. For their 125th anniversary in late 2025, Bank of Hawaii Corporation announced a $400,000 community investment.

This engagement takes concrete forms:

• Partnering to plant 6,500 trees across the state.
• The Bank of Hawaii Foundation plans to donate $125 to a nonprofit of choice for each of its approximately 2,100 employees, potentially adding over $260,000 in funds.
• The Foundation focuses on areas like Community Development, Human Services, and Education in Hawaii, Guam, and Saipan.
• They run grant programs, like the Saipan Small Business Revitalization and Development Grant, awarding up to $5,000 per recipient.

Automated service: Utilizing the ATM network and digital tools for transactional efficiency

Automated services ensure transactional needs are met quickly, freeing up relationship managers for more complex needs. While specific ATM network size isn't detailed in recent earnings reports, the focus on digital efficiency is clear from expense allocation and deposit mix. The bank's Consumer Banking segment handles high-volume retail needs, including credit cards, auto loans, and standard deposit accounts. The stability of their dividend, affirmed at $0.70 per common share in late 2025, signals confidence in the underlying operational stability that these automated and digital systems help maintain.

The Consumer Banking segment also supports wealth services, offering investment management and trust services to individuals and high-net-worth clients, which often bridges the gap between automated transactions and dedicated management.

Finance: draft 13-week cash view by Friday.

Bank of Hawaii Corporation (BOH) - Canvas Business Model: Channels

The distribution of Bank of Hawaii Corporation's value proposition relies on a multi-pronged channel strategy, balancing physical presence with digital reach.

Physical branch network: Bank of Hawaii Corporation maintains the most branches of any financial institution in the state of Hawaii. The bank is actively modernizing locations under the strategic 'Branches of Tomorrow' concept across Hawaii and the West Pacific. For instance, in November 2025, Bank of Hawaii Corporation blessed two newly upgraded locations: the Ka'ū Branch, which is 1,920 sq. ft. and features two private Pili rooms, and the Kona Branch, spanning 6,918 sq. ft. with six Pili rooms for consultations. The contractual obligations for real estate property, primarily for branch premises, extend through the year 2052.

Digital platforms: High-volume, low-cost transactions are heavily driven through digital channels. As of the first quarter of 2025, over 245,000 customers had adopted the modernized mobile app. This platform holds a 4.8-star rating. For context on digital transaction volume, the bank processed 7.3 million mobile wallet transactions in 2024.

ATM network: Access is expanded through proprietary ATMs and the Allpoint Network. Bank of Hawaii Corporation debit card holders gain access to 40,000 no-fee ATMs across the United States via the Allpoint network. Globally, this access extends to over 55,000 ATMs. Bank of Hawaii Corporation has the most ATMs of any financial institution in the state.

Relationship officers: Direct sales and high-touch service are facilitated through dedicated personnel. The structure includes Relationship Managers within The Private Bank segment. Furthermore, the role of the Teller is evolving; repetitive tasks are channeled to technology, freeing up staff to become today's Relationship Banker. For commercial clients, the Primary Relationship Officer (PRO) serves as the main contact point between the bank and assigned commercial clients.

Here is a snapshot of the channel scale as of late 2025 data:

Channel Component	Metric	Value/Count	Reporting Period/Date
Digital Adoption (Mobile App Users)	Number of Customers	245,000+	Q1 2025
Digital Platform Rating	App Store Rating	4.8-star	2025 Data
ATM Reach (Allpoint Network)	U.S. No-Fee ATMs	40,000+	Late 2025
ATM Reach (Global)	Total Accessible ATMs	55,000+	Late 2025
Physical Network Commitment	Lease Obligations End Year	2052	2025 10-K Data
Branch Modernization (Kona)	Square Footage	6,918 sq. ft.	November 2025
Branch Modernization (Ka'ū)	Private Consultation Rooms	2	November 2025

The operational support for these channels includes:

• Specialists available from 7 a.m. to 7 p.m. HST, 7 days a week for account self-service support.
• The Ka'ū Branch operates five days a week: Monday through Friday, from 9 a.m. to 1 p.m.
• The Kona Branch operates six days a week: Monday through Friday from 8 a.m. to 4 p.m., and Saturdays from 9 a.m. to 1 p.m.
• The bank's market share in its core market is approximately 33-34%.

Bank of Hawaii Corporation (BOH) - Canvas Business Model: Customer Segments

You're looking at the core groups Bank of Hawaii Corporation (BOH) serves to generate its revenue, which is heavily concentrated in the local market. This focus defines their entire operational strategy.

Hawaii residents form the bedrock of Bank of Hawaii Corporation's consumer business. This group is the core consumer base for essential banking products. For instance, the total consumer loan portfolio stood at $7.9 billion as of September 30, 2025, making up 57% of the total loan book.

Within this consumer base, the emphasis on secured lending is clear. Here's a quick look at the quality metrics for the residential mortgage and home equity portion, which accounts for 86% of the consumer portfolio:

• Weighted average Loan-to-Value (LTV): 48%.
• Combined weighted average FICO score: 799.
• The remaining 14% of consumer loans (auto and personal) have average FICO scores of 731 and 761, respectively.

Small and middle-market businesses (SME) are served through the Commercial Banking segment, which provides commercial lending and cash management services primarily within the local market. As of the third quarter of 2025, the total commercial loan portfolio was $6.1 billion, representing 43% of all loans. The Consumer Banking segment also supports smaller enterprises with small business loans and leases.

Commercial real estate investors and developers represent the single largest identified commercial loan segment. This group drives significant volume within the Commercial Banking segment. The commercial real estate (CRE) exposure was reported at $4 billion in Q3 2025. This single segment equates to 29% of Bank of Hawaii Corporation's total loans.

For clients requiring more sophisticated asset management, high-net-worth and mass affluent individuals are targeted. These clients receive wealth management and private banking services, often channeled through Bankoh Advisors, which the company is modernizing. The Consumer Banking segment also offers private and international client banking, investment, credit, and trust services to individuals and families, and high-net-worth individuals.

To summarize the loan book concentration across these customer-driven activities, you can see the geographic and segment focus:

Loan Segment Category	Portfolio Size (as of Q3 2025)	Percentage of Total Loans (Approx.)
Total Consumer Loans	$7.9 billion	57%
Total Commercial Loans	$6.1 billion	43%
Commercial Real Estate (CRE) Loans (Largest Commercial Sub-Segment)	$4 billion	29%
Total Loans and Leases (Implied Total)	$14.0 billion	100%

It's important to note the geographic concentration of these customer relationships, which is a key feature of Bank of Hawaii Corporation's model:

• Lending concentration in Hawaii: 93%.
• Lending in Western Pacific: 4%.
• Lending on the Mainland: 3%.

The bank's strategy is defintely centered on its home turf.

Bank of Hawaii Corporation (BOH) - Canvas Business Model: Cost Structure

You're looking at Bank of Hawaii Corporation's (BOH) cost base as of late 2025, which is heavily influenced by interest rate management and personnel expenses, given the bank's focus on its core Hawaii market and fortress capital profile.

Interest expense: Cost of deposits, which BOH is actively managing to reprice lower. The management team is clearly focused on the cost of funding. For the third quarter of 2025, the average cost of deposits declined by 12 basis points to 159 basis points (or 1.59%). This repricing effort is visible in their Certificate of Deposit (CD) book; over 52% of CDs maturing in the next three months carried an average rate of 3.5%, with expectations for renewals to come in lower, around 2.5%-3%. The benefit of this is seen in the year-over-year NII increase, which was primarily due to lower interest-bearing deposit rates.

Personnel costs: Salaries and benefits, which drove noninterest expense to $112.4 million in Q3 2025. The reported noninterest expense for the third quarter of 2025 hit $112.4 million. This figure included a $2.1 million severance-related charge. The increase from the linked quarter was primarily attributed to higher salaries and benefits and the impact of one additional payday during the quarter. Looking ahead, normalized non-interest expense for the fourth quarter of 2025 was projected to be approximately $109 million.

Technology and infrastructure: Investment in digital platforms and branch modernization. While specific investment figures aren't explicitly broken out in the latest reports, the bank is managing its overall expense base. The recent sale of the merchant services business is expected to reduce quarterly noninterest expense by approximately $2.2 million. This optimization effort supports continued investment in the business model.

Regulatory and compliance costs: Maintaining the 'fortress' capital and risk profile. Maintaining a strong capital position is a core tenet of Bank of Hawaii Corporation's strategy. As of Q3 2025, key capital ratios reflected this focus:

Metric	Q3 2025 Value
Tier One Capital Ratio	14.3%
Total Risk-Based Capital Ratio	15.4%
Non-Performing Assets (NPA) to Loans	0.12%

The cost structure is also influenced by the ongoing management of the balance sheet, as shown by the following expense and cost-related data points from recent quarters:

• Noninterest Expense (Q3 2025, including severance): $112.4 million
• Noninterest Expense (Q2 2025, including severance): $110.8 million
• Average Cost of Total Deposits (Q3 2025): 159 basis points
• Average Rate of Interest-Bearing Deposits (Q3 2025): 2.14%
• Severance Charge Included in Q3 2025 Noninterest Expense: $2.1 million

The bank is definitely managing its funding costs aggressively. Finance: review the Q4 2025 projected normalized OpEx against the Q3 actuals by next Tuesday.

Bank of Hawaii Corporation (BOH) - Canvas Business Model: Revenue Streams

You're looking at the core ways Bank of Hawaii Corporation generates its top line, which is heavily weighted toward traditional banking activities, as of late 2025. The primary engine is definitely the spread between what they earn on loans and investments versus what they pay on deposits.

Net Interest Income (NII): Primary Driver

Net Interest Income is the biggest piece of the pie for Bank of Hawaii Corporation. For the third quarter of 2025, NII reached $136.7 million, showing a strong increase of 16.2% compared to the same period last year. This performance is directly tied to the expansion of the Net Interest Margin (NIM), which hit 2.46% in Q3 2025, marking the sixth consecutive quarter of expansion. The drivers here were fixed asset repricing, which added $3.3 million to NII, and lower deposit costs, though this was partially offset by a deposit mix shift that negatively impacted NII by $800,000 in Q3 2025.

Here's a quick look at the key financial metrics driving that NII:

Metric	Value (Q3 2025)	Comparison Point
Net Interest Income (NII)	$136.7 million	Up 5.4% from linked quarter
Net Interest Margin (NIM)	2.46%	Up 7 basis points from linked quarter
Average Yield on Loans and Leases	4.86%	Up 6 basis points from linked quarter

Non-interest Income

This stream covers the fees and charges Bank of Hawaii Corporation collects for services beyond core lending and investing. For the third quarter of 2025, noninterest income was reported at $46.0 million. This figure includes several components that you need to track:

• Fees, exchange and other service charges.
• Higher trust and asset management earnings.
• Service charges on deposit accounts.
• Bank-owned life insurance (BOLI) income.
• Customer derivative activity revenue.

You should note that Q3 2025 noninterest income included a $0.8 million charge related to a Visa Class B share conversion ratio change, while the linked quarter had a $0.8 million gain related to a BOLI recovery.

Loan Interest

Income from the loan portfolio is central to the NII story. As of the end of the third quarter of 2025, total loans and leases stood at $14 billion. This portfolio is balanced between consumer and commercial segments, with consumer loans representing 56% of the total portfolio ($7.9 billion) and commercial loans making up the remaining 44% ($6.1 billion) as of Q2 2025. The average yield on this earning asset was 4.86% in Q3 2025.

Investment Income

Earnings from the investment securities portfolio also contribute to the overall revenue picture, particularly as yields improve. The size of this portfolio was $7.6 billion at June 30, 2025. The yield on earning assets in Q3 2025 benefited from an improvement in the yield on the securities portfolio, alongside the loan portfolio yield. The investment portfolio at that time was largely comprised of securities issued by U.S. government agencies and U.S. government-sponsored enterprises.