Bank of Hawaii Corporation (BOH): Business Model Canvas [Jan-2025 Mise à jour]

Niché au cœur du paysage financier dynamique d'Hawaï, Bank of Hawaii Corporation (BOH) est une puissance dynamique, tissant ensemble des stratégies bancaires innovantes et des connexions communautaires enracinées profondément. Cette toile complète du modèle commercial révèle comment la banque transforme les paradigmes bancaires traditionnels en tirant parti de l'expertise locale, une infrastructure numérique de pointe et un engagement axé sur le laser à servir les résidents et les entreprises hawaïennes. Des solutions financières personnalisées aux plateformes technologiques avancées, l'approche unique de Boh montre pourquoi c'est plus qu'une simple banque - c'est un catalyseur économique critique pour les îles hawaïennes.

Bank of Hawaii Corporation (BOH) - Modèle commercial: partenariats clés

Entreprises hawaïennes locales et entreprises commerciales

Depuis 2023, Bank of Hawaii maintient des partenariats stratégiques avec environ 3 500 entreprises hawaïennes locales dans divers secteurs.

Secteur des affaires	Nombre de partenariats	Volume commercial total
Hospitalité	672	215,6 millions de dollars
Agriculture	413	87,3 millions de dollars
Immobilier	891	456,2 millions de dollars

Banque fédérale de prêts immobiliers de Des Moines

La Bank of Hawaii a un partenariat de prêt complet avec la Federal Home Loan Bank of Des Moines, avec une ligne d'avance totale de 487 millions de dollars au quatrième trimestre 2023.

Partenaires au réseau de paiement

Bank of Hawaï collabore avec les principaux réseaux de paiement:

• Visa: volume de transaction de 2,3 milliards de dollars en 2023
• MasterCard: Volume de transaction de 1,9 milliard de dollars en 2023

Fournisseurs de services d'assurance et d'investissement

Partenaire	Type de service	Valeur de partenariat
Financier prudentiel	Services d'investissement	124 millions de dollars
Aig	Produits d'assurance	89,5 millions de dollars

Venseurs de technologie et de cybersécurité

Bank of Hawaii investit 37,6 millions de dollars par an en partenariats technologiques et cybersécurité.

• Microsoft: Cloud Infrastructure Partnership
• Palo Alto Networks: Cybersecurity Solutions
• Systèmes Cisco: infrastructure de sécurité du réseau

Bank of Hawaii Corporation (BOH) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et de détail

En 2023, la Banque d'Hawaï a déclaré un actif total de 20,2 milliards de dollars et des dépôts totaux de 17,5 milliards de dollars. La banque exploite 66 succursales à Hawaï et fournit des services bancaires complets.

Catégorie de service bancaire	Revenus annuels (2023)	Nombre de clients
Banque commerciale	312 millions de dollars	8 750 clients commerciaux
Banque de détail	287 millions de dollars	215 000 clients individuels

Prêts hypothécaires et traitement

En 2023, Bank of Hawaï a traité 1,3 milliard de dollars de prêts hypothécaires avec une taille de prêt moyenne de 475 000 $.

• Originations hypothécaires résidentielles: 1,1 milliard de dollars
• Prêts immobiliers commerciaux: 420 millions de dollars
• Temps de traitement hypothécaire moyen: 37 jours

Gestion de la patrimoine et avis financier

Le segment de gestion de patrimoine a généré 156 millions de dollars de revenus pour 2023.

Catégorie de service	Actifs sous gestion	Valeur moyenne du portefeuille client
Gestion de la richesse personnelle	4,2 milliards de dollars	$875,000
Avis institutionnel	2,6 milliards de dollars	3,5 millions de dollars

Développement de la plate-forme bancaire numérique

Les investissements bancaires numériques ont totalisé 42 millions de dollars en 2023.

• Utilisateurs de la banque mobile: 185 000
• Transactions bancaires en ligne: 3,2 millions par mois
• Budget de développement de la plate-forme numérique: 15,7 millions de dollars

Gestion des risques et surveillance de la conformité

Le budget du Département de la gestion des risques pour 2023 était de 37,5 millions de dollars.

Zone de conformité	Coûts de surveillance annuels	Personnel dédié
Conformité réglementaire	22,3 millions de dollars	87 employés
Prévention de la fraude	15,2 millions de dollars	62 employés

Bank of Hawaii Corporation (BOH) - Modèle d'entreprise: Ressources clés

Strait réseau bancaire régional à Hawaï

Depuis le quatrième trimestre 2023, Bank of Hawaï exploite 56 succursales à travers les îles hawaïennes, avec une concentration significative à Oahu.

Emplacement	Nombre de branches
Oahu	38
Île d'Hawaï	9
Maudi	6
Kauai	3

Équipe de gestion financière expérimentée

En 2024, la direction exécutive de la Banque d'Hawaï comprend:

• Peter Ho - président, président et chef de la direction
• Dean Shigemura - directeur financier
• Kent Tsukamoto - chef de l'exploitation

Infrastructure bancaire numérique avancée

Métriques de la plate-forme bancaire numérique à partir de 2023:

Service numérique	Nombre d'utilisateurs
Utilisateurs de la banque mobile	223,000
Utilisateurs de la banque en ligne	185,000

Base de dépôt client robuste

Dépôts totaux au 31 décembre 2023: 18,2 milliards de dollars

Type de dépôt	Montant
Dépôts d'intérêt sans intérêt	4,3 milliards de dollars
Dépôts porteurs d'intérêt	13,9 milliards de dollars

Systèmes technologiques financières propriétaires

Investissement technologique en 2023: 42,5 millions de dollars

• Modernisation du système bancaire de base
• Mises à niveau des infrastructures de cybersécurité
• Plates-formes de service à la clientèle axées sur l'IA

Bank of Hawaii Corporation (BOH) - Modèle d'entreprise: propositions de valeur

Services financiers complets pour les résidents hawaïens

Au quatrième trimestre 2023, Bank of Hawaii propose le portefeuille de services financiers suivants:

Catégorie de service	Actif total	Pénétration du marché
Banque personnelle	9,2 milliards de dollars	48,3% des résidents d'Hawaï
Banque commerciale	6,7 milliards de dollars	37,6% des entreprises locales
Gestion de la richesse	3,5 milliards de dollars	22,1% des clients à haute nette

Solutions bancaires personnalisées pour les communautés locales

Les solutions bancaires localisées comprennent:

• Programmes de prêts spécialisés pour les petites entreprises
• Développement communautaire Initiatives financières
• Produits hypothécaires sur mesure pour les résidents hawaïens

Taux d'intérêt concurrentiels et produits bancaires

Produit	Taux d'intérêt	Comparaison du marché
Compte d'épargne	3.25%	0,5% au-dessus de la moyenne régionale
Vérification personnelle	2.75%	0,3% au-dessus de la moyenne régionale
Hypothèque domestique	6.85%	0,2% inférieur à la moyenne régionale

Expériences de banque numérique et mobile pratique

Métriques bancaires numériques pour 2023:

• Utilisateurs de la banque mobile: 276 000
• Volume de transaction en ligne: 4,2 millions par mois
• Taux d'adoption des banques numériques: 62,4%

Engagement fort envers le développement économique local

Initiative de soutien économique	Investissement total	Impact
Prêts aux petites entreprises	425 millions de dollars	Support pour 3 200 entreprises locales
Subventions au développement communautaire	12,3 millions de dollars	Financement 87 projets locaux
Support d'infrastructure local	58 millions de dollars	Projets d'amélioration des infrastructures

Bank of Hawaii Corporation (BOH) - Modèle d'entreprise: relations avec les clients

Service client personnalisé

Bank of Hawaï fournit un service client personnalisé via 56 succursales à Hawaï et au Pacifique. En 2022, la banque a servi environ 535 000 clients avec une cote de satisfaction du client moyen de 4,2 sur 5.

Canal de service	Volume d'interaction client (2022)
Services de succursale en personne	247 500 interactions client
Banque téléphonique	189 300 interactions client
Support client en ligne	98 200 interactions client

Gestion des relations à long terme

La banque maintient un taux moyen de rétention de la clientèle de 87,3% en 2022, avec Stratégies de gestion des relations dédiées ciblant différents segments de clients.

• Pureur client moyen: 9,6 ans
• Adhésion au programme de fidélisation de la clientèle: 62% du total de la clientèle
• Taux client répété pour les produits financiers: 73%

Plates-formes bancaires numériques en libre-service

La plate-forme bancaire numérique de Bank of Hawaï a traité 24,7 millions de transactions numériques en 2022, représentant 68% du total des interactions bancaires.

Plate-forme numérique	Utilisateurs actifs mensuels (2022)
Application bancaire mobile	276 500 utilisateurs
Site Web de banque en ligne	342 700 utilisateurs

Gestionnaires de relations dédiés pour les clients commerciaux

Bank of Hawaï dessert 22 300 clients commerciaux avec des équipes de gestion des relations spécialisées. La division bancaire des affaires de la banque a généré 127,4 millions de dollars de revenus bancaires commerciaux en 2022.

• Nombre moyen de gestionnaires de relations: 87
• Taille moyenne du portefeuille client par gestion: 256 clients
• Taux de rétention des clients d'entreprise: 91,2%

Engagement communautaire et programmes de soutien local

En 2022, Bank of Hawaï a investi 3,2 millions de dollars dans des programmes de soutien communautaire local à Hawaï, soutenant 127 organisations locales à but non lucratif.

Catégorie de soutien communautaire	Montant d'investissement (2022)
Initiatives d'éducation	1,1 million de dollars
Développement économique	$892,000
Programmes environnementaux	$678,000
Conservation culturelle	$530,000

Bank of Hawaii Corporation (BOH) - Modèle d'entreprise: canaux

Site Web de banque en ligne

La plate-forme bancaire en ligne de Bank of Hawaï dessert 246 000 utilisateurs de banque numérique actifs au quatrième trimestre 2023. Le site Web traite environ 3,2 millions de transactions numériques par mois avec une fiabilité de disponibilité de 99,7%.

Métrique du canal numérique	Performance de 2023
Utilisateurs bancaires en ligne actifs	246,000
Transactions numériques mensuelles	3,200,000
Time de disponibilité du site Web	99.7%

Application bancaire mobile

L'application mobile de Bank of Hawaï compte 185 000 utilisateurs actifs des banques mobiles. L'application prend en charge Plus de 200 fonctions bancaires et traite 2,1 millions de transactions mobiles par mois.

• Téléchargements totaux d'applications mobiles: 275 000
• Volume de transaction mobile: 2,1 millions / mois
• Évaluation de l'App Store: 4.6 / 5

Réseau de succursale physique à Hawaï

La Banque d'Hawaï exploite 66 succursales physiques à travers les îles hawaïennes, avec 54 situées à Oahu, 6 sur l'île d'Hawaï, 4 à Maui et 2 à Kauai.

Île	Nombre de branches
Oahu	54
Île d'Hawaï	6
Maudi	4
Kauai	2

Infrastructure ATM

La Banque d'Hawaï maintient 125 distributeurs automatiques de billets à Hawaï, avec 85 situés à Oahu, 20 sur l'île d'Hawaï, 12 à Maui et 8 à Kauai.

Centres d'appels de service client

Bank of Hawaii exploite deux centres d'appels principaux gantant 95 000 interactions client tous les mois, avec un temps de réponse moyen de 2,3 minutes.

Métrique du centre d'appel	Performance
Interactions mensuelles du client	95,000
Temps de réponse moyen	2,3 minutes

Bank of Hawaii Corporation (BOH) - Modèle d'entreprise: segments de clientèle

Clients bancaires de détail individuels

En 2023, Bank of Hawaï dessert environ 245 000 clients de banque de détail individuels à Hawaï. La ventilation de la clientèle comprend:

Type de client	Pourcentage	Nombre estimé
Tapisseurs de compte courant personnel	52%	127,400
Contiseurs de compte d'épargne personnelle	38%	93,100
Utilisateurs de la banque en ligne	67%	164,300

Petites et moyennes entreprises hawaïennes

La Bank of Hawaï soutient environ 18 500 petites et moyennes entreprises à travers les îles hawaïennes.

• Les entreprises avec des revenus annuels de moins de 1 million de dollars: 14 200
• Les entreprises avec des revenus annuels de 1 à 10 millions de dollars: 3 600
• Taille moyenne des prêts commerciaux: 275 000 $
• Portfolio total de prêts commerciaux: 2,3 milliards de dollars

Clients bancaires d'entreprise et commerciaux

La banque dessert 850 clients bancaires d'entreprise et commerciaux avec une représentation diversifiée de l'industrie:

Secteur de l'industrie	Nombre de clients	Valeur totale de la relation bancaire
Tourisme et hospitalité	275	850 millions de dollars
Immobilier	210	675 millions de dollars
Agriculture	125	325 millions de dollars
Soins de santé	90	280 millions de dollars
Technologie	150	450 millions de dollars

Individus à haute nette

La Banque d'Hawaï gère la richesse pour 3 750 personnes à haute teneur en noue avec des actifs financiers importants:

• Clients avec des actifs de plus d'un million de dollars: 2 100
• Clients avec des actifs de plus de 5 millions de dollars: 850
• Actifs totaux de gestion de patrimoine: 4,6 milliards de dollars
• Taille moyenne du portefeuille: 1,23 million de dollars

Gouvernement local et clients institutionnels

La Banque d'Hawaï fournit des services bancaires à 65 clients locaux et clients institutionnels:

Type de client	Nombre de clients	Valeur totale de la relation bancaire
Agences gouvernementales de l'État	22	450 millions de dollars
Gouvernements de comté	15	210 millions de dollars
Établissements d'enseignement	18	180 millions de dollars
Organisations à but non lucratif	10	85 millions de dollars

Bank of Hawaii Corporation (BOH) - Modèle d'entreprise: Structure des coûts

Salaires et compensation des employés

En 2022, les rapports financiers, les frais totaux de rémunération des employés de Bank of Hawaii Corporation étaient de 258,7 millions de dollars. La ventilation comprend:

Catégorie de compensation	Montant ($)
Salaires de base	172,3 millions
Bonus de performance	36,5 millions
Avantages et assurance	49,9 millions

Maintenance de technologie et d'infrastructure

Les coûts des infrastructures technologiques pour Bank of Hawaii en 2022 ont totalisé 47,2 millions de dollars, notamment:

• Maintenance des systèmes informatiques: 22,6 millions de dollars
• Investissements en cybersécurité: 9,8 millions de dollars
• Mises à niveau de la plate-forme bancaire numérique: 14,8 millions de dollars

Frais de conformité réglementaire

Les dépenses liées à la conformité pour 2022 étaient de 34,5 millions de dollars, distribuées comme suit:

Zone de conformité	Montant ($)
Représentation réglementaire	12,3 millions
Dépenses juridiques et d'audit	15,7 millions
Formation de la conformité	6,5 millions

Coûts d'exploitation de la succursale

Les dépenses liées aux succursales pour 2022 s'élevaient à 63,4 millions de dollars:

• Loyer et occupation: 28,6 millions de dollars
• Services publics: 9,2 millions de dollars
• Équipement de succursale et entretien: 25,6 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2022 étaient de 22,1 millions de dollars, notamment:

Canal de marketing	Montant ($)
Marketing numérique	8,7 millions
Publicité médiatique traditionnelle	6,4 millions
Programmes d'acquisition de clients	7,0 millions

Bank of Hawaii Corporation (BOH) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des investissements

Pour l'exercice 2023, la Banque d'Hawaï a déclaré un revenu total d'intérêts de 511,1 millions de dollars. Le revenu net des intérêts était de 393,3 millions de dollars.

Catégorie de prêt	Solde total en suspens	Revenu d'intérêt
Prêts commerciaux	3,42 milliards de dollars	145,6 millions de dollars
Prêts immobiliers	7,89 milliards de dollars	267,3 millions de dollars
Prêts à la consommation	1,15 milliard de dollars	98,2 millions de dollars

Frais bancaires et frais de service

En 2023, la Banque d'Hawaï a généré 117,4 millions de dollars en frais de service et en frais de service.

• Frais de service de compte de dépôt: 42,6 millions de dollars
• Frais de transaction ATM et carte de débit: 28,7 millions de dollars
• Frais de découvert: 15,3 millions de dollars
• Autres frais de service bancaire: 30,8 millions de dollars

Frais d'origine hypothécaire

Les frais d'origine hypothécaire pour 2023 ont totalisé 23,6 millions de dollars, avec un volume de prêt hypothécaire total de 1,67 milliard de dollars.

Type hypothécaire	Volume de prêt	Frais d'origine
Hypothèques résidentielles	1,42 milliard de dollars	19,8 millions de dollars
Hypothèques commerciales	250 millions de dollars	3,8 millions de dollars

Services de conseil en gestion de patrimoine

Les services de gestion de patrimoine et de fiducie ont généré 45,2 millions de dollars de revenus pour 2023.

• Actif sous gestion: 8,3 milliards de dollars
• Frais de conseil en investissement: 26,7 millions de dollars
• Services de fiducie et fiduciaire: 18,5 millions de dollars

Revenus de traitement des transactions

Les revenus de traitement des transactions pour 2023 s'élevaient à 37,9 millions de dollars.

Type de transaction	Revenu
Traitement des cartes de crédit	22,6 millions de dollars
Transferts de fonds électroniques	9,3 millions de dollars
Autres services de transaction	6,0 millions de dollars

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.