Bank of Hawaii Corporation (BOH): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Aninhado no coração do vibrante cenário financeiro do Havaí, o Bank of Hawaii Corporation (BOH) permanece como uma potência dinâmica, tecendo estratégias bancárias inovadoras e conexões comunitárias profundas. Esse modelo abrangente de negócios revela como o banco transforma os paradigmas bancários tradicionais, alavancando a experiência local, a infraestrutura digital de ponta e um compromisso focado a laser em servir residentes e empresas havaianas. De soluções financeiras personalizadas a plataformas tecnológicas avançadas, a abordagem única de Boh demonstra por que é mais do que apenas um banco - é um catalisador econômico crítico para as ilhas havaianas.

Bank of Hawaii Corporation (BOH) - Modelo de negócios: Parcerias -chave

Empresas havaianas locais e empresas comerciais

A partir de 2023, o Bank of Hawaii mantém parcerias estratégicas com aproximadamente 3.500 empresas havaianas locais em vários setores.

Setor de negócios	Número de parcerias	Volume total de negócios
Hospitalidade	672	US $ 215,6 milhões
Agricultura	413	US $ 87,3 milhões
Imobiliária	891	US $ 456,2 milhões

Banco Federal de Empréstimos à Criação de Des Moines

O Bank of Hawaii tem uma parceria abrangente de empréstimos com o Federal Home Loan Bank of Des Moines, com uma linha de adiantamento total de US $ 487 milhões a partir do quarto trimestre de 2023.

Parcerias de rede de pagamento

O Bank of Hawaii colabora com as principais redes de pagamento:

• Visto: volume de transações de US $ 2,3 bilhões em 2023
• MasterCard: volume de transações de US $ 1,9 bilhão em 2023

Provedores de serviços de seguro e investimento

Parceiro	Tipo de serviço	Valor da parceria
Prudential Financial	Serviços de investimento	US $ 124 milhões
Aig	Produtos de seguro	US $ 89,5 milhões

Fornecedores de tecnologia e segurança cibernética

O Bank of Hawaii investe US $ 37,6 milhões anualmente em parcerias de tecnologia e segurança cibernética.

• Microsoft: Parceria em Infraestrutura em Cloud
• Palo Alto Redes: Soluções de segurança cibernética
• Sistemas Cisco: Infraestrutura de Segurança de Rede

Bank of Hawaii Corporation (BOH) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir de 2023, o Bank of Havaí registrou ativos totais de US $ 20,2 bilhões e depósitos totais de US $ 17,5 bilhões. O banco opera 66 agências no Havaí e fornece serviços bancários abrangentes.

Categoria de serviço bancário	Receita anual (2023)	Número de clientes
Bancos comerciais	US $ 312 milhões	8.750 clientes comerciais
Banco de varejo	US $ 287 milhões	215.000 clientes individuais

Empréstimos e processamento hipotecários

Em 2023, o Bank of Havaí processou US $ 1,3 bilhão em empréstimos hipotecários com um tamanho médio de empréstimo de US $ 475.000.

• Origenas da hipoteca residencial: US $ 1,1 bilhão
• Empréstimos imobiliários comerciais: US $ 420 milhões
• Tempo médio de processamento de hipotecas: 37 dias

Gerenciamento de patrimônio e consultoria financeira

O segmento de gerenciamento de patrimônio gerou US $ 156 milhões em receita para 2023.

Categoria de serviço	Ativos sob gestão	Valor médio do portfólio de clientes
Gestão de patrimônio pessoal	US $ 4,2 bilhões	$875,000
Aviso institucional	US $ 2,6 bilhões	US $ 3,5 milhões

Desenvolvimento da plataforma bancária digital

Os investimentos em bancos digitais totalizaram US $ 42 milhões em 2023.

• Usuários bancários móveis: 185.000
• Transações bancárias online: 3,2 milhões mensais
• Orçamento de desenvolvimento de plataformas digitais: US $ 15,7 milhões

Gerenciamento de riscos e monitoramento de conformidade

O orçamento do departamento de conformidade e gerenciamento de riscos para 2023 foi de US $ 37,5 milhões.

Área de conformidade	Custos anuais de monitoramento	Funcionários dedicados
Conformidade regulatória	US $ 22,3 milhões	87 funcionários
Prevenção de fraudes	US $ 15,2 milhões	62 funcionários

Bank of Hawaii Corporation (BOH) - Modelo de negócios: Recursos -chave

Forte Rede Bancária Regional no Havaí

A partir do quarto trimestre de 2023, o Bank of Havaí opera 56 agências nas ilhas havaianas, com uma concentração significativa em Oahu.

Localização	Número de ramificações
Oahu	38
Ilha do Havaí	9
Maui	6
Kauai	3

Equipe de gestão financeira experiente

A partir de 2024, a liderança executiva do Bank of Havaí inclui:

• Peter Ho - Presidente, Presidente e CEO
• Dean Shigemura - Diretor Financeiro
• Kent Tsukamoto - Diretor de Operações

Infraestrutura bancária digital avançada

Métricas da plataforma bancária digital a partir de 2023:

Serviço digital	Contagem de usuários
Usuários bancários móveis	223,000
Usuários bancários online	185,000

Base robusta de depósito de clientes

Total de depósitos em 31 de dezembro de 2023: US $ 18,2 bilhões

Tipo de depósito	Quantia
Depósitos de rolamento não interessantes	US $ 4,3 bilhões
Depósitos portadores de juros	US $ 13,9 bilhões

Sistemas de tecnologia financeira proprietários

Investimento de tecnologia em 2023: US $ 42,5 milhões

• Modernização do sistema bancário principal
• Atualizações de infraestrutura de segurança cibernética
• Plataformas de atendimento ao cliente orientadas pela IA

Bank of Hawaii Corporation (BOH) - Modelo de negócios: proposições de valor

Serviços financeiros abrangentes para residentes havaianos

A partir do quarto trimestre 2023, o Bank of Hawaii oferece o seguinte portfólio de serviços financeiros:

Categoria de serviço	Total de ativos	Penetração de mercado
Bancos pessoais	US $ 9,2 bilhões	48,3% dos residentes do Havaí
Bancos comerciais	US $ 6,7 bilhões	37,6% das empresas locais
Gestão de patrimônio	US $ 3,5 bilhões	22,1% dos clientes de alta rede

Soluções bancárias personalizadas para comunidades locais

As soluções bancárias localizadas incluem:

• Programas especializados de empréstimos para pequenas empresas
• Iniciativas financeiras de desenvolvimento comunitário
• Produtos hipotecários personalizados para residentes havaianos

Taxas de juros competitivas e produtos bancários

Produto	Taxa de juro	Comparação de mercado
Conta poupança	3.25%	0,5% acima da média regional
Verificação pessoal	2.75%	0,3% acima da média regional
Hipoteca doméstica	6.85%	0,2% abaixo da média regional

Experiências bancárias digitais e móveis convenientes

Métricas bancárias digitais para 2023:

• Usuários bancários móveis: 276.000
• Volume de transações online: 4,2 milhões mensais
• Taxa de adoção bancária digital: 62,4%

Forte compromisso com o desenvolvimento econômico local

Iniciativa de apoio econômico	Investimento total	Impacto
Empréstimos para pequenas empresas	US $ 425 milhões	Suporte para 3.200 empresas locais
Subsídios de desenvolvimento comunitário	US $ 12,3 milhões	Financiando 87 projetos locais
Suporte de infraestrutura local	US $ 58 milhões	Projetos de melhoria de infraestrutura

Bank of Hawaii Corporation (BOH) - Modelo de Negócios: Relacionamentos do Cliente

Atendimento ao cliente personalizado

O Bank of Hawaii fornece atendimento ao cliente personalizado por meio de 56 filiais no Havaí e no Pacífico. Em 2022, o banco atendeu aproximadamente 535.000 clientes com uma classificação média de satisfação do cliente de 4,2 em 5.

Canal de serviço	Volume de interação do cliente (2022)
Serviços de filiais pessoais	247.500 interações com os clientes
Telefonar bancário	189.300 interações com os clientes
Suporte ao cliente online	98.200 interações com os clientes

Gerenciamento de relacionamento de longo prazo

O banco mantém uma taxa média de retenção de clientes de 87,3% a partir de 2022, com Estratégias dedicadas de gerenciamento de relacionamento direcionando diferentes segmentos de clientes.

• Posse média do cliente: 9,6 anos
• Associação do programa de fidelidade do cliente: 62% da base total de clientes
• Taxa repetida do cliente para produtos financeiros: 73%

Plataformas bancárias de autoatendimento digital

A plataforma bancária digital do Bank of Havaí processou 24,7 milhões de transações digitais em 2022, representando 68% do total de interações bancárias.

Plataforma digital	Usuários ativos mensais (2022)
Aplicativo bancário móvel	276.500 usuários
Site bancário online	342.700 usuários

Gerentes de relacionamento dedicados para clientes de negócios

O Bank of Hawaii atende a 22.300 clientes comerciais com equipes especializadas de gerenciamento de relacionamento. A Divisão de Bancos de Negócios do Banco gerou US $ 127,4 milhões em receita bancária comercial em 2022.

• Número médio de gerentes de relacionamento: 87
• Tamanho médio do portfólio de clientes de negócios por gerente: 256 clientes
• Taxa de retenção de clientes de negócios: 91,2%

Programas de envolvimento da comunidade e apoio local

Em 2022, o Bank of Hawaii investiu US $ 3,2 milhões em programas de apoio à comunidade local em todo o Havaí, apoiando 127 organizações sem fins lucrativos locais.

Categoria de suporte da comunidade	Valor do investimento (2022)
Iniciativas educacionais	US $ 1,1 milhão
Desenvolvimento econômico	$892,000
Programas ambientais	$678,000
Preservação cultural	$530,000

Bank of Hawaii Corporation (BOH) - Modelo de Negócios: Canais

Site bancário online

A plataforma bancária on -line do Bank of Hawaii atende 246.000 usuários de banco digital ativo a partir do quarto trimestre 2023. O site processa aproximadamente 3,2 milhões de transações digitais mensalmente com uma confiabilidade de 99,7% no tempo de atividade.

Métrica de canal digital	2023 desempenho
Usuários bancários online ativos	246,000
Transações digitais mensais	3,200,000
Tempo de atualização do site	99.7%

Aplicativo bancário móvel

O aplicativo móvel do Bank of Hawaii possui 185.000 usuários ativos de bancos móveis. O aplicativo suporta Mais de 200 funções bancárias e processa 2,1 milhões de transações móveis por mês.

• Downloads de aplicativos móveis totais: 275.000
• Volume de transação móvel: 2,1 milhões/mês
• App Store Classificação: 4.6/5

Rede de filiais físicas no Havaí

O Bank of Hawaii opera 66 agências físicas nas ilhas havaianas, com 54 localizadas em Oahu, 6 na ilha do Havaí, 4 em Maui e 2 em Kauai.

Ilha	Número de ramificações
Oahu	54
Ilha do Havaí	6
Maui	4
Kauai	2

Infraestrutura de caixas eletrônicos

O Banco do Havaí mantém 125 caixas eletrônicos em todo o Havaí, com 85 localizados em Oahu, 20 na ilha do Havaí, 12 em Maui e 8 em Kauai.

Centros de atendimento ao cliente

O Bank of Hawaii opera dois call centers primários lidando com 95.000 interações com os clientes mensalmente, com um tempo médio de resposta de 2,3 minutos.

Métrica de call center	Desempenho
Interações mensais do cliente	95,000
Tempo médio de resposta	2,3 minutos

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

Clientes bancários de varejo individuais

A partir de 2023, o Bank of Hawaii atende a aproximadamente 245.000 clientes bancários de varejo individuais no Havaí. A quebra da base de clientes inclui:

Tipo de cliente	Percentagem	Número estimado
Titulares de contas de corrente pessoal	52%	127,400
Titulares de contas de poupança pessoal	38%	93,100
Usuários bancários online	67%	164,300

Pequenas e médias empresas havaianas

O Bank of Hawaii suporta aproximadamente 18.500 empresas pequenas e médias nas ilhas havaianas.

• Empresas com receita anual abaixo de US $ 1 milhão: 14.200
• Empresas com receita anual $ 1-10 milhões: 3.600
• Tamanho médio de empréstimo comercial: US $ 275.000
• Portfólio de empréstimos comerciais totais: US $ 2,3 bilhões

Clientes bancários corporativos e comerciais

O banco atende a 850 clientes bancários corporativos e comerciais com diversas representação do setor:

Setor da indústria	Número de clientes	Valor do relacionamento bancário total
Turismo e hospitalidade	275	US $ 850 milhões
Imobiliária	210	US $ 675 milhões
Agricultura	125	US $ 325 milhões
Assistência médica	90	US $ 280 milhões
Tecnologia	150	US $ 450 milhões

Indivíduos de alta rede

O Bank of Hawaii gerencia a riqueza para 3.750 indivíduos de alta rede com ativos financeiros significativos:

• Clientes com ativos acima de US $ 1 milhão: 2.100
• Clientes com ativos acima de US $ 5 milhões: 850
• Total de ativos de gerenciamento de patrimônio: US $ 4,6 bilhões
• Tamanho médio do portfólio: US $ 1,23 milhão

Governo local e clientes institucionais

O Bank of Hawaii fornece serviços bancários a 65 clientes do governo e institucional::

Tipo de cliente	Número de clientes	Valor do relacionamento bancário total
Agências do governo do estado	22	US $ 450 milhões
Governos do condado	15	US $ 210 milhões
Instituições educacionais	18	US $ 180 milhões
Organizações sem fins lucrativos	10	US $ 85 milhões

Bank of Hawaii Corporation (BOH) - Modelo de negócios: estrutura de custos

Salários e compensação dos funcionários

A partir de 2022, os relatórios financeiros, as despesas totais de remuneração dos funcionários da Bank of Hawaii Corporation eram de US $ 258,7 milhões. O colapso inclui:

Categoria de compensação	Valor ($)
Salários da base	172,3 milhões
Bônus de desempenho	36,5 milhões
Benefícios e seguro	49,9 milhões

Manutenção de tecnologia e infraestrutura

Os custos de infraestrutura de tecnologia para o Bank of Hawaii em 2022 totalizaram US $ 47,2 milhões, incluindo:

• Manutenção de sistemas de TI: US $ 22,6 milhões
• Investimentos de segurança cibernética: US $ 9,8 milhões
• Atualizações da plataforma bancária digital: US $ 14,8 milhões

Despesas de conformidade regulatória

Os gastos relacionados à conformidade para 2022 foram de US $ 34,5 milhões, distribuídos da seguinte forma:

Área de conformidade	Valor ($)
Relatórios regulatórios	12,3 milhões
Despesas legais e de auditoria	15,7 milhões
Treinamento de conformidade	6,5 milhões

Custos de operação da filial

As despesas relacionadas à filial em 2022 totalizaram US $ 63,4 milhões:

• Aluguel e ocupação: US $ 28,6 milhões
• Utilitários: US $ 9,2 milhões
• Equipamento e manutenção da filial: US $ 25,6 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2022 foram de US $ 22,1 milhões, incluindo:

Canal de marketing	Valor ($)
Marketing digital	8,7 milhões
Publicidade tradicional da mídia	6,4 milhões
Programas de aquisição de clientes	7,0 milhões

Bank of Hawaii Corporation (BOH) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2023, o Bank of Hawaii registrou receita total de juros de US $ 511,1 milhões. A receita de juros líquidos foi de US $ 393,3 milhões.

Categoria de empréstimo	Balanço total em circulação	Receita de juros
Empréstimos comerciais	US $ 3,42 bilhões	US $ 145,6 milhões
Empréstimos imobiliários	US $ 7,89 bilhões	US $ 267,3 milhões
Empréstimos ao consumidor	US $ 1,15 bilhão	US $ 98,2 milhões

Taxas bancárias e cobranças de serviço

Em 2023, o Bank of Havaí gerou US $ 117,4 milhões em taxas e taxas de serviço.

• Cobranças de serviço da conta de depósito: US $ 42,6 milhões
• Taxas de transação de cartão ATM e de débito: US $ 28,7 milhões
• Taxas de cheque especial: US $ 15,3 milhões
• Outras taxas de serviço bancário: US $ 30,8 milhões

Taxas de originação hipotecária

As taxas de originação hipotecária de 2023 totalizaram US $ 23,6 milhões, com um volume total de empréstimos hipotecários de US $ 1,67 bilhão.

Tipo de hipoteca	Volume de empréstimo	Taxas de originação
Hipotecas residenciais	US $ 1,42 bilhão	US $ 19,8 milhões
Hipotecas comerciais	US $ 250 milhões	US $ 3,8 milhões

Serviços de consultoria de gestão de patrimônio

Os serviços de gestão e confiança de patrimônio geraram US $ 45,2 milhões em receita para 2023.

• Ativos sob gestão: US $ 8,3 bilhões
• Taxas de consultoria de investimento: US $ 26,7 milhões
• Serviços de confiança e fiduciários: US $ 18,5 milhões

Receita de processamento de transações

As receitas de processamento de transações para 2023 totalizaram US $ 37,9 milhões.

Tipo de transação	Receita
Processamento de cartão de crédito	US $ 22,6 milhões
Transferências de fundos eletrônicos	US $ 9,3 milhões
Outros serviços de transação	US $ 6,0 milhões

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.