Banco de Hawaii Corporation (BOH): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Ubicado en el corazón del vibrante panorama financiero de Hawai, el Banco de la Corporación de Hawái (BOH) se erige como una potencia dinámica, entrelazando estrategias bancarias innovadoras y conexiones comunitarias profundamente arraigadas. Este lienzo de modelo comercial integral revela cómo el banco transforma los paradigmas bancarios tradicionales al aprovechar la experiencia local, la infraestructura digital de vanguardia y un compromiso centrado en el láser para servir a los residentes y empresas hawaianas. Desde soluciones financieras personalizadas hasta plataformas tecnológicas avanzadas, el enfoque único de Boh demuestra por qué es más que un banco: es un catalizador económico crítico para las islas hawaianas.

Bank of Hawaii Corporation (BOH) - Modelo de negocios: asociaciones clave

Empresas y empresas comerciales locales

A partir de 2023, el Banco de Hawai mantiene asociaciones estratégicas con aproximadamente 3.500 empresas hawaianas locales en varios sectores.

Sector empresarial	Número de asociaciones	Volumen empresarial total
Hospitalidad	672	$ 215.6 millones
Agricultura	413	$ 87.3 millones
Bienes raíces	891	$ 456.2 millones

Banco federal de préstamos hipotecarios de Des Moines

Bank of Hawaii tiene una asociación de préstamos integral con el Federal Home Loan Bank of Des Moines, con una línea anticipada total de $ 487 millones al cuarto trimestre de 2023.

Asociaciones de la red de pago

Bank of Hawaii colabora con las principales redes de pago:

• Visa: volumen de transacción de $ 2.3 mil millones en 2023
• MasterCard: volumen de transacción de $ 1.9 mil millones en 2023

Proveedores de servicios de seguros e inversiones

Pareja	Tipo de servicio	Valor de asociación
Prudencial Financiero	Servicios de inversión	$ 124 millones
Aig	Productos de seguro	$ 89.5 millones

Vendedores de tecnología y ciberseguridad

Bank of Hawaii invierte $ 37.6 millones anuales en asociaciones de tecnología y ciberseguridad.

• Microsoft: Asociación de infraestructura en la nube
• Palo Alto Networks: soluciones de ciberseguridad
• Cisco Systems: infraestructura de seguridad de red

Bank of Hawaii Corporation (BOH) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir de 2023, el Banco de Hawai informó activos totales de $ 20.2 mil millones y depósitos totales de $ 17.5 mil millones. El banco opera 66 sucursales en Hawai y brinda servicios bancarios integrales.

Categoría de servicio bancario	Ingresos anuales (2023)	Número de clientes
Banca comercial	$ 312 millones	8.750 clientes comerciales
Banca minorista	$ 287 millones	215,000 clientes individuales

Préstamo y procesamiento hipotecario

En 2023, el Banco de Hawai procesó $ 1.3 mil millones en préstamos hipotecarios con un tamaño de préstamo promedio de $ 475,000.

• Originaciones de hipotecas residenciales: $ 1.1 mil millones
• Préstamos inmobiliarios comerciales: $ 420 millones
• Tiempo promedio de procesamiento de hipotecas: 37 días

Gestión de patrimonio y asesoramiento financiero

El segmento de gestión de patrimonio generó $ 156 millones en ingresos para 2023.

Categoría de servicio	Activos bajo administración	Valor promedio de cartera de clientes
Gestión de patrimonio personal	$ 4.2 mil millones	$875,000
Asesoramiento institucional	$ 2.6 mil millones	$ 3.5 millones

Desarrollo de la plataforma de banca digital

Las inversiones bancarias digitales totalizaron $ 42 millones en 2023.

• Usuarios de banca móvil: 185,000
• Transacciones bancarias en línea: 3.2 millones mensuales
• Presupuesto de desarrollo de la plataforma digital: $ 15.7 millones

Gestión de riesgos y monitoreo de cumplimiento

El presupuesto del departamento de cumplimiento y gestión de riesgos para 2023 fue de $ 37.5 millones.

Área de cumplimiento	Costos de monitoreo anual	Personal dedicado
Cumplimiento regulatorio	$ 22.3 millones	87 empleados
Prevención de fraude	$ 15.2 millones	62 empleados

Bank of Hawaii Corporation (BOH) - Modelo de negocios: recursos clave

Red bancaria regional fuerte en Hawaii

A partir del cuarto trimestre de 2023, el Banco de Hawai opera 56 sucursales en las islas hawaianas, con una concentración significativa en Oahu.

Ubicación	Número de ramas
Oahu	38
Isla de Hawái	9
Maui	6
Kauai	3

Equipo experimentado de gestión financiera

A partir de 2024, el liderazgo ejecutivo del Banco de Hawai incluye:

• Peter Ho - Presidente, Presidente y CEO
• Dean Shigemura - Director Financiero
• Kent Tsukamoto - Director de Operaciones

Infraestructura de banca digital avanzada

Métricas de plataforma de banca digital a partir de 2023:

Servicio digital	Recuento de usuarios
Usuarios de banca móvil	223,000
Usuarios bancarios en línea	185,000

Base de depósito de cliente robusta

Depósitos totales al 31 de diciembre de 2023: $ 18.2 mil millones

Tipo de depósito	Cantidad
Depósitos de cojinete sin interés	$ 4.3 mil millones
Depósitos con intereses	$ 13.9 mil millones

Sistemas de tecnología financiera patentada

Inversión tecnológica en 2023: $ 42.5 millones

• Modernización del sistema bancario central
• Actualizaciones de infraestructura de ciberseguridad
• Plataformas de servicio al cliente impulsadas por IA

Bank of Hawaii Corporation (BOH) - Modelo de negocio: propuestas de valor

Servicios financieros integrales para residentes hawaianos

A partir del cuarto trimestre de 2023, Bank of Hawaii ofrece la siguiente cartera de servicios financieros:

Categoría de servicio	Activos totales	Penetración del mercado
Banca personal	$ 9.2 mil millones	48.3% de los residentes de Hawaii
Banca comercial	$ 6.7 mil millones	37.6% de las empresas locales
Gestión de patrimonio	$ 3.5 mil millones	22.1% de los clientes de alto nivel de red

Soluciones bancarias personalizadas para comunidades locales

Las soluciones bancarias localizadas incluyen:

• Programas de préstamos para pequeñas empresas especializadas
• Iniciativas financieras de desarrollo comunitario
• Productos hipotecarios a medida para residentes hawaianos

Tasas de interés competitivas y productos bancarios

Producto	Tasa de interés	Comparación de mercado
Cuenta de ahorros	3.25%	0.5% por encima del promedio regional
Comprobación personal	2.75%	0.3% por encima del promedio regional
Hipoteca de la casa	6.85%	0.2% por debajo del promedio regional

Convenientes experiencias de banca digital y móvil

Métricas de banca digital para 2023:

• Usuarios de banca móvil: 276,000
• Volumen de transacciones en línea: 4.2 millones mensuales
• Tasa de adopción de banca digital: 62.4%

Fuerte compromiso con el desarrollo económico local

Iniciativa de apoyo económico	Inversión total	Impacto
Préstamos para pequeñas empresas	$ 425 millones	Soporte para 3.200 empresas locales
Subvenciones de desarrollo comunitario	$ 12.3 millones	Financiamiento 87 proyectos locales
Soporte de infraestructura local	$ 58 millones	Proyectos de mejora de la infraestructura

Bank of Hawaii Corporation (BOH) - Modelo de negocios: relaciones con los clientes

Servicio al cliente personalizado

Bank of Hawaii brinda servicio al cliente personalizado a través de 56 sucursales en Hawai y el Pacífico. En 2022, el banco sirvió a aproximadamente 535,000 clientes con una calificación promedio de satisfacción del cliente de 4.2 de 5.

Canal de servicio	Volumen de interacción del cliente (2022)
Servicios de sucursales en persona	247,500 interacciones con los clientes
Banca telefónica	189,300 interacciones con los clientes
Atención al cliente en línea	98,200 interacciones con los clientes

Gestión de relaciones a largo plazo

El banco mantiene una tasa promedio de retención de clientes de 87.3% a partir de 2022, con Estrategias dedicadas de gestión de relaciones dirigido a diferentes segmentos de clientes.

• Promedio de la tenencia del cliente: 9.6 años
• Membresía del programa de fidelización del cliente: 62% de la base total de clientes
• Tasa de cliente repetida para productos financieros: 73%

Plataformas de banca de autoservicio digital

La plataforma de banca digital del Banco de Hawai procesó 24.7 millones de transacciones digitales en 2022, lo que representa el 68% de las interacciones bancarias totales.

Plataforma digital	Usuarios activos mensuales (2022)
Aplicación de banca móvil	276,500 usuarios
Sitio web de banca en línea	342,700 usuarios

Gerentes de relaciones dedicadas para clientes comerciales

Bank of Hawaii atiende a 22.300 clientes comerciales con equipos especializados de gestión de relaciones. La división de banca comercial del banco generó $ 127.4 millones en ingresos de banca comercial en 2022.

• Número promedio de gerentes de relaciones: 87
• Tamaño promedio de la cartera de clientes comerciales por gerente: 256 clientes
• Tasa de retención de clientes comerciales: 91.2%

Programas de participación comunitaria y apoyo local

En 2022, el Banco de Hawai invirtió $ 3.2 millones en programas de apoyo comunitario local en Hawai, apoyando a 127 organizaciones locales sin fines de lucro.

Categoría de apoyo comunitario	Monto de inversión (2022)
Iniciativas educativas	$ 1.1 millones
Desarrollo económico	$892,000
Programas ambientales	$678,000
Preservación cultural	$530,000

Bank of Hawaii Corporation (BOH) - Modelo de negocios: canales

Sitio web de banca en línea

La plataforma de banca en línea del Bank of Hawaii atiende a 246,000 usuarios de banca digital activa a partir del cuarto trimestre de 2023. El sitio web procesa aproximadamente 3.2 millones de transacciones digitales mensualmente con una confiabilidad del tiempo de actividad del 99.7%.

Métrico de canal digital	2023 rendimiento
Usuarios bancarios en línea activos	246,000
Transacciones digitales mensuales	3,200,000
Tiempo de actividad del sitio web	99.7%

Aplicación de banca móvil

La aplicación móvil del Bank of Hawaii tiene 185,000 usuarios de banca móvil activa. La aplicación es compatible Más de 200 funciones bancarias y procesa 2.1 millones de transacciones móviles por mes.

• Descargas totales de aplicaciones móviles: 275,000
• Volumen de transacciones móviles: 2.1 millones/mes
• Calificación de la tienda de aplicaciones: 4.6/5

Red de sucursales físicas en Hawaii

Bank of Hawaii opera 66 sucursales físicas en las islas hawaianas, con 54 ubicados en Oahu, 6 en la isla de Hawai, 4 en Maui y 2 en Kauai.

Isla	Número de ramas
Oahu	54
Isla de Hawái	6
Maui	4
Kauai	2

Infraestructura de cajeros automáticos

El Banco de Hawai mantiene 125 cajeros automáticos en Hawai, con 85 ubicados en Oahu, 20 en la isla de Hawai, 12 en Maui y 8 en Kauai.

Centros de llamadas de servicio al cliente

Bank of Hawaii opera dos centros de llamadas principales que manejan 95,000 interacciones de clientes mensualmente, con un tiempo de respuesta promedio de 2.3 minutos.

Métrico del centro de llamadas	Actuación
Interacciones mensuales del cliente	95,000
Tiempo de respuesta promedio	2.3 minutos

Bank of Hawaii Corporation (BOH) - Modelo de negocios: segmentos de clientes

Clientes de banca minorista individual

A partir de 2023, Bank of Hawaii atiende a aproximadamente 245,000 clientes de banca minorista individual en Hawai. El desglose de la base de clientes incluye:

Tipo de cliente	Porcentaje	Número estimado
Titulares de cuentas corrientes personales	52%	127,400
Titulares de cuentas de ahorro personal	38%	93,100
Usuarios bancarios en línea	67%	164,300

Pequeñas y medianas empresas hawaianas

Bank of Hawaii apoya aproximadamente 18.500 pequeñas y medianas empresas en las islas hawaianas.

• Empresas con ingresos anuales por debajo de $ 1 millón: 14,200
• Empresas con ingresos anuales $ 1-10 millones: 3,600
• Tamaño promedio del préstamo comercial: $ 275,000
• Cartera total de préstamos comerciales: $ 2.3 mil millones

Clientes de banca corporativa y comercial

El banco atiende a 850 clientes de banca corporativa y comercial con una representación de la industria diversa:

Sector industrial	Número de clientes	Valor total de la relación bancaria
Turismo y hospitalidad	275	$ 850 millones
Bienes raíces	210	$ 675 millones
Agricultura	125	$ 325 millones
Cuidado de la salud	90	$ 280 millones
Tecnología	150	$ 450 millones

Individuos de alto nivel de red

Bank of Hawaii administra la riqueza para 3,750 personas de alto patrimonio neto con activos financieros significativos:

• Clientes con activos superiores a $ 1 millón: 2,100
• Clientes con activos superiores a $ 5 millones: 850
• Activos totales de gestión de patrimonio: $ 4.6 mil millones
• Tamaño promedio de la cartera: $ 1.23 millones

Gobierno local e clientes institucionales

Bank of Hawaii ofrece servicios bancarios a 65 clientes locales e institucionales:

Tipo de cliente	Número de clientes	Valor total de la relación bancaria
Agencias gubernamentales estatales	22	$ 450 millones
Gobiernos del condado	15	$ 210 millones
Instituciones educativas	18	$ 180 millones
Organizaciones sin fines de lucro	10	$ 85 millones

Bank of Hawaii Corporation (BOH) - Modelo de negocio: Estructura de costos

Salarios de empleados y compensación

A partir de los informes financieros de 2022, los gastos de compensación de empleados totales de Bank of Hawaii Corporation fueron de $ 258.7 millones. El desglose incluye:

Categoría de compensación	Monto ($)
Salarios base	172.3 millones
Bonos de rendimiento	36.5 millones
Beneficios y seguro	49.9 millones

Mantenimiento de tecnología e infraestructura

Los costos de infraestructura tecnológica para Bank of Hawaii en 2022 totalizaron $ 47.2 millones, que incluyen:

• Mantenimiento de sistemas de TI: $ 22.6 millones
• Inversiones de ciberseguridad: $ 9.8 millones
• Actualizaciones de la plataforma de banca digital: $ 14.8 millones

Gastos de cumplimiento regulatorio

Los gastos relacionados con el cumplimiento para 2022 fueron de $ 34.5 millones, distribuidos de la siguiente manera:

Área de cumplimiento	Monto ($)
Informes regulatorios	12.3 millones
Gastos legales y de auditoría	15.7 millones
Capacitación de cumplimiento	6.5 millones

Costos de operación de sucursal

Los gastos relacionados con la sucursal para 2022 ascendieron a $ 63.4 millones:

• Alquiler y ocupación: $ 28.6 millones
• Utilidades: $ 9.2 millones
• Equipo de sucursal y mantenimiento: $ 25.6 millones

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2022 fueron de $ 22.1 millones, que incluyen:

Canal de marketing	Monto ($)
Marketing digital	8.7 millones
Publicidad de medios tradicional	6.4 millones
Programas de adquisición de clientes	7.0 millones

Bank of Hawaii Corporation (BOH) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos e inversiones

Para el año fiscal 2023, el Banco de Hawai informó ingresos por intereses totales de $ 511.1 millones. Los ingresos por intereses netos fueron de $ 393.3 millones.

Categoría de préstamo	Saldo pendiente total	Ingresos por intereses
Préstamos comerciales	$ 3.42 mil millones	$ 145.6 millones
Préstamos inmobiliarios	$ 7.89 mil millones	$ 267.3 millones
Préstamos al consumo	$ 1.15 mil millones	$ 98.2 millones

Tarifas bancarias y cargos de servicio

En 2023, el Banco de Hawai generó $ 117.4 millones en cargos y tarifas de servicio.

• CARGOS DE SERVICIO DE CUENTA DE DISPOSITOS: $ 42.6 millones
• Tarifas de transacción de tarjetas de cajero automático y de débito: $ 28.7 millones
• Tarifas de sobregiro: $ 15.3 millones
• Otras tarifas de servicio bancario: $ 30.8 millones

Tarifas de origen de la hipoteca

Las tarifas de origen de la hipoteca para 2023 totalizaron $ 23.6 millones, con un volumen total de préstamos hipotecarios de $ 1.67 mil millones.

Tipo de hipoteca	Volumen de préstamo	Tarifas de origen
Hipotecas residenciales	$ 1.42 mil millones	$ 19.8 millones
Hipotecas comerciales	$ 250 millones	$ 3.8 millones

Servicios de asesoramiento de gestión de patrimonio

Los servicios de gestión de patrimonio y fideicomiso generaron $ 45.2 millones en ingresos para 2023.

• Activos bajo administración: $ 8.3 mil millones
• Tarifas de asesoramiento de inversiones: $ 26.7 millones
• Servicios fiduciarios y fiduciarios: $ 18.5 millones

Ingresos del procesamiento de transacciones

Los ingresos del procesamiento de transacciones para 2023 ascendieron a $ 37.9 millones.

Tipo de transacción	Ganancia
Procesamiento de tarjetas de crédito	$ 22.6 millones
Transferencias de fondos electrónicos	$ 9.3 millones
Otros servicios de transacción	$ 6.0 millones

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.