First Hawaiian, Inc. (FHB): Modelo de negócios Canvas [Jan-2025 Atualizado]

A First Hawaiian, Inc. (FHB) permanece como uma potência financeira dinâmica posicionada de maneira exclusiva no cenário bancário havaiano, oferecendo uma abordagem abrangente e inovadora dos serviços financeiros regionais. Ao misturar estrategicamente o entendimento do mercado local com as tecnologias bancárias digitais de ponta, a FHB criou um modelo de negócios robusto que atende às diversas necessidades financeiras de residentes, empresas e instituições havaianas. Sua proposta de valor distinta combina relacionamentos personalizados do cliente, infraestrutura tecnológica avançada e um profundo compromisso com o setor bancário orientado pela comunidade, tornando-os uma instituição financeira fundamental no ecossistema econômico da região do Pacífico.

First Hawaiian, Inc. (FHB) - Modelo de negócios: Parcerias -chave

Empresas havaianas locais e promotores imobiliários

O First Hawaiian Bank mantém parcerias estratégicas com empresas locais em todo o Havaí. A partir de 2023, o banco tem:

Categoria de parceria	Número de parcerias	Valor total
Empréstimos comerciais locais	1.247 parcerias ativas	US $ 892 milhões em empréstimos comerciais
Financiamento de desenvolvimento imobiliário	87 projetos de desenvolvimento ativo	US $ 1,3 bilhão em financiamento imobiliário

Provedores de serviços de tecnologia financeira (FinTech)

O First Hawaiian Bank colabora com vários parceiros da FinTech:

• Integração da plataforma bancária digital com 6 provedores de tecnologia
• Mobile Banking Solutions de 3 empresas de fintech especializadas
• Parcerias de segurança cibernética com 4 empresas de tecnologia

Empresas de seguro e gestão de patrimônio

Tipo de parceiro	Número de parcerias	Receita anual gerada
Provedores de seguros	12 parcerias estratégicas	US $ 47,2 milhões em receitas de referência
Empresas de gerenciamento de patrimônio	8 redes colaborativas	US $ 63,5 milhões em ativos gerenciados

Instituições governamentais e regulatórias

O primeiro banco havaiano mantém conformidade e colaboração com:

• Departamento de Comércio do Estado do Havaí e Assuntos do Consumidor
• Federal Reserve Bank de São Francisco
• Federal Deposit Insurance Corporation (FDIC)

Organizações comunitárias e redes sem fins lucrativos

Tipo de organização	Número de parcerias	Investimento comunitário
Organizações sem fins lucrativos locais	42 parcerias ativas	US $ 3,7 milhões em investimentos comunitários
Organizações de desenvolvimento econômico	17 redes colaborativas	US $ 2,1 milhões em apoio econômico

First Hawaiian, Inc. (FHB) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

O primeiro banco havaiano gerou US $ 1,21 bilhão em receita total para o ano fiscal de 2023. Os serviços bancários comerciais representavam aproximadamente US $ 456 milhões em receita total.

Categoria de serviço bancário	Receita anual	Quota de mercado
Empréstimos comerciais	US $ 287 milhões	42% no mercado do Havaí
Contas de corrente de negócios	US $ 89 milhões	38% no mercado do Havaí
Serviços de gerenciamento de caixa	US $ 80 milhões	45% no mercado do Havaí

Empréstimos hipotecários e financiamento imobiliário

O portfólio de empréstimos hipotecários totalizou US $ 5,2 bilhões em 2023, com um tamanho médio de empréstimo de US $ 475.000.

• Origenas da hipoteca residencial: US $ 1,3 bilhão
• Empréstimos imobiliários comerciais: US $ 2,7 bilhões
• Taxa média de juros da hipoteca: 6,75%

Desenvolvimento da plataforma bancária digital

Os investimentos bancários digitais atingiram US $ 42 milhões em 2023.

Serviço digital	Adoção do usuário	Investimento anual
Aplicativo bancário móvel	237.000 usuários ativos	US $ 18 milhões
Plataforma bancária online	312.000 usuários registrados	US $ 15 milhões
Sistemas de pagamento digital	156.000 usuários ativos	US $ 9 milhões

Gerenciamento de patrimônio e consultoria de investimento

Os ativos sob gerenciamento totalizaram US $ 8,7 bilhões em 2023.

• Gerenciamento de patrimônio privado: US $ 3,2 bilhões
• Serviços de consultoria de investimento: US $ 2,5 bilhões
• Contas de planejamento da aposentadoria: US $ 3 bilhões

Gerenciamento de riscos e consultoria financeira

A divisão de gerenciamento de riscos gerou US $ 97 milhões em 2023.

Serviço de gerenciamento de riscos	Receita anual	Base de clientes
Avaliação de risco corporativo	US $ 42 milhões	387 clientes corporativos
Consultoria de conformidade financeira	US $ 35 milhões	276 clientes comerciais
Gerenciamento de risco de crédito	US $ 20 milhões	214 Instituições Financeiras

First Hawaiian, Inc. (FHB) - Modelo de negócios: Recursos -chave

Forte infraestrutura bancária regional no Havaí

No quarto trimestre 2023, o First Hawaiian Bank mantém 62 agências no Havaí. Total de ativos: US $ 24,2 bilhões. Total de depósitos: US $ 20,1 bilhões.

Categoria de recursos	Detalhes específicos	Métricas quantitativas
Infraestrutura física	Rede de filiais	62 galhos no Havaí
Presença geográfica	Ilhas cobertas	Oahu, Maui, Havaí, Kauai

Tecnologia Bancária Digital Avançada

As plataformas bancárias digitais incluem serviços bancários móveis e on -line com:

• Downloads de aplicativos móveis: 250.000+
• Recursos de transação online
• Infraestrutura avançada de segurança cibernética

Equipe de gestão financeira experiente

Composição de liderança em 2024:

• PRODIÇÃO EXECUTIVO MÉDIA: 15+ anos
• Experiência bancária combinada: mais de 150 anos
• CEO: Robert Harrison (veterano bancário)

Extensa rede de filiais

Ilha	Número de ramificações	Penetração de mercado
Oahu	38	61.3%
Maui	9	14.5%
Havaí	8	12.9%
Kauai	7	11.3%

Sistemas robustos de gerenciamento de relacionamento com clientes

Métricas de plataforma CRM:

• Banco de dados de clientes: mais de 350.000 contas ativas
• Taxa de engajamento digital: 68%
• Taxa média de retenção de clientes: 87%

First Hawaiian, Inc. (FHB) - Modelo de negócios: proposições de valor

Soluções bancárias abrangentes para mercados havaianos locais

O First Hawaiian Bank oferece uma variedade de serviços bancários projetados especificamente para o mercado havaiano:

Categoria de serviço	Penetração total de mercado	Receita anual
Bancos pessoais	42,7% da participação de mercado do Havaí	US $ 287,6 milhões
Bancos comerciais	38,5% dos clientes comerciais locais	US $ 412,3 milhões
Serviços de hipoteca	33,2% dos empréstimos residenciais do Havaí	US $ 215,4 milhões

Serviços financeiros personalizados adaptados às necessidades regionais

Produtos financeiros especializados para o mercado exclusivo do Havaí:

• Programas de agricultura e empréstimos específicos para o turismo
• Pacotes de suporte para pequenas empresas
• Sensibilidade cultural em serviços de consultoria financeira

Experiências bancárias digitais e móveis convenientes

Métricas de desempenho bancário digital:

Plataforma digital	Usuários ativos	Volume de transação
Aplicativo bancário móvel	127.500 usuários ativos	3,2 milhões de transações mensais
Plataforma bancária online	98.300 usuários registrados	2,7 milhões de transações mensais

Taxas de juros competitivas e produtos financeiros

Taxa de juros e ofertas de produtos:

• Conta de poupança: 0,45% APY
• Conta de corrente: 0,15% APY
• CD de 12 meses: 1,75% APY
• Taxas de hipoteca: a partir de 6,25%

Forte abordagem bancária focada na comunidade

Métricas de engajamento da comunidade:

Área de investimento comunitário	Contribuição anual	Impacto
Subsídios de negócios locais	US $ 3,2 milhões	127 pequenas empresas suportadas
Bolsas de estudo educacionais	$750,000	92 estudantes financiados
Desenvolvimento comunitário	US $ 1,5 milhão	18 projetos comunitários

First Hawaiian, Inc. (FHB) - Modelo de Negócios: Relacionamentos do Cliente

Atendimento ao cliente personalizado

O First Hawaiian Bank mantém 62 agências no Havaí com 1.041 funcionários em período integral dedicados ao atendimento ao cliente em 31 de dezembro de 2022. O banco fornece serviço personalizado por meio de vários canais com um tempo médio de interação do cliente de 15 a 20 minutos por sessão.

Canal de serviço	Taxa de interação do cliente
Serviços de ramo	42%
Banco digital	38%
Telefonar bancário	20%

Plataformas bancárias de autoatendimento digital

O First Hawaiian oferece plataformas bancárias digitais com as seguintes estatísticas de uso:

• Downloads de aplicativos bancários móveis: 175.000
• Usuários bancários online: 245.000
• Volume de transação digital: 3,2 milhões de transações em 2022

Gerenciamento de relacionamento para clientes e clientes individuais

O banco atende a aproximadamente 95.000 clientes comerciais e 350.000 clientes individuais em todo o Havaí. Os gerentes de relacionamento são atribuídos com base nos segmentos de clientes:

Segmento de cliente	Gerentes de relacionamento dedicados
Banco corporativo	37 gerentes
Bancos de pequenas empresas	52 gerentes
Private Banking	22 gerentes

Consultas de consultoria financeira regulares

O First Hawaiian fornece serviços de consultoria financeira com as seguintes métricas:

• Total de consultores financeiros: 48
• Portfólio de clientes médios: US $ 2,3 milhões
• Consultas consultivas anuais por cliente: 2.4

Programas de envolvimento da comunidade e apoio local

Investimento comunitário em 2022 incluído:

• Doações totais da comunidade: US $ 1,2 milhão
• Organizações locais sem fins lucrativos suportadas: 87
• Horário de voluntariado de funcionários: 4.500 horas

First Hawaiian, Inc. (FHB) - Modelo de Negócios: Canais

Locais de ramificação física

Total de ramos: 62 locais no Havaí

Ilha	Número de ramificações
Oahu	38
Havaí (Big Island)	9
Maui	10
Kauai	5

Site bancário online

Recursos da plataforma digital:

• Gerenciamento de contas
• Serviços de pagamento de contas
• Transferências de fundos
• Depósito de cheque móvel

Tráfego do site: 1,2 milhão de visitantes mensais únicos

Aplicativo bancário móvel

Estatísticas de aplicativos móveis:

• Disponível no iOS e Android
• Mais de 250.000 usuários mensais ativos
• 4.7/5 Classificação na App Store
• 4,6/5 Classificação na loja do Google Play

Rede ATM

Tipo de atm	Contagem total
Caixas eletrônicos de propriedade de bancos	72
Caixas eletrônicos de rede compartilhada	150
Acesso total ao caixa eletrônico	222

Suporte ao cliente de telefone e digital

Canais de suporte:

• Linha telefônica de atendimento ao cliente 24/7
• Chat ao vivo no site
• Suporte por e -mail
• Canais de suporte de mídia social

Tempo médio de resposta: 12 minutos

Interações anuais de suporte ao cliente: 750,000

First Hawaiian, Inc. (FHB) - Modelo de negócios: segmentos de clientes

Residentes havaianos locais

A partir do quarto trimestre de 2023, o First Hawaiian Bank atende a aproximadamente 315.000 residentes havaianos locais por meio de serviços bancários pessoais.

Característica do segmento	Dados estatísticos
Contas bancárias pessoais totais	237,500
Saldo médio da conta	$42,300
Porcentagem de base de clientes local	68%

Pequenas e médias empresas

O First Hawaiian Bank suporta 22.750 empresas pequenas e médias em todo o Havaí.

• Relacionamentos bancários totais de PME: 22.750
• Tamanho médio de empréstimo comercial: US $ 375.000
• Portfólio total de empréstimos para PME: US $ 8,5 bilhões

Clientes corporativos e comerciais

O banco atende 1.850 clientes corporativos e comerciais com soluções bancárias especializadas.

Métricas bancárias corporativas	Valor
Total de clientes corporativos	1,850
Tamanho médio de empréstimo comercial	US $ 2,3 milhões
Receita bancária comercial	US $ 127,6 milhões

Indivíduos de alta rede

O First Hawaiian Bank gerencia a riqueza para 4.500 clientes de alta rede.

• Clientes totais de alta rede: 4.500
• Saldo mínimo da conta: US $ 1 milhão
• Total de ativos de gerenciamento de patrimônio: US $ 3,2 bilhões

Governo local e clientes institucionais

O banco mantém as relações bancárias com 85 clientes do governo e institucionais.

Segmento bancário institucional	Estatística
Total de clientes governamentais/institucionais	85
Portfólio bancário institucional total	US $ 1,9 bilhão
Tamanho médio de depósito institucional	US $ 22,4 milhões

First Hawaiian, Inc. (FHB) - Modelo de negócios: estrutura de custos

Salários e benefícios dos funcionários

A partir de 2023 Relatório Anual, a First Hawaiian, Inc. registrou despesas totais de remuneração de US $ 310,5 milhões. O colapso inclui:

Categoria de despesa	Valor ($)
Despesas de salário	US $ 215,3 milhões
Benefícios dos funcionários	US $ 95,2 milhões

Manutenção de infraestrutura de tecnologia

O investimento em tecnologia e infraestrutura digital para 2023 totalizou US $ 42,7 milhões, com alocações específicas:

• Atualização de sistemas bancários do núcleo: US $ 18,2 milhões
• Infraestrutura de segurança cibernética: US $ 12,5 milhões
• Plataformas bancárias digitais: US $ 12,0 milhões

Despesas de operação de ramificação

A First Hawaiian opera 62 filiais com custos operacionais anuais de US $ 87,3 milhões:

Categoria de custo operacional	Valor ($)
Aluguel e instalações	US $ 37,6 milhões
Utilitários	US $ 16,2 milhões
Manutenção	US $ 33,5 milhões

Custos de conformidade regulatória

As despesas de conformidade para 2023 foram de US $ 24,6 milhões, incluindo:

• Relatórios legais e regulatórios: US $ 12,3 milhões
• Auditoria e gerenciamento de riscos: US $ 8,7 milhões
• Treinamento de conformidade: US $ 3,6 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 totalizaram US $ 19,4 milhões:

Canal de marketing	Valor ($)
Marketing digital	US $ 8,6 milhões
Mídia tradicional	US $ 6,3 milhões
Programas de aquisição de clientes	US $ 4,5 milhões

First Hawaiian, Inc. (FHB) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e hipotecas

Para o ano encerrado em 31 de dezembro de 2023, a First Hawaiian, Inc. reportou receita de juros líquidos de US $ 466 milhões. A quebra da carteira de empréstimos foi a seguinte:

Categoria de empréstimo	Saldo total de empréstimo	Rendimento médio
Empréstimos comerciais	US $ 4,2 bilhões	5.75%
Hipotecas residenciais	US $ 3,8 bilhões	5.25%
Empréstimos ao consumidor	US $ 1,1 bilhão	6.15%

Taxas de serviço bancário

A receita da taxa de serviço para 2023 totalizou US $ 92,3 milhões, com as seguintes categorias de taxas:

• Taxas de manutenção de conta: US $ 24,5 milhões
• Taxas de transação ATM: US $ 8,7 milhões
• Taxas de cheque especial: US $ 15,2 milhões
• Taxas de transferência de fio: US $ 6,9 milhões
• Outras taxas de serviço bancário: US $ 37 milhões

Comissões de gerenciamento de patrimônio

A receita de gestão de patrimônio para 2023 atingiu US $ 78,6 milhões, com a seguinte quebra:

Categoria de serviço	Receita
Serviços de consultoria de investimentos	US $ 42,3 milhões
Confiança e planejamento imobiliário	US $ 21,5 milhões
Planejamento de aposentadoria	US $ 14,8 milhões

Vendas de produtos de investimento

As vendas de produtos de investimento geraram US $ 53,4 milhões em receita para 2023:

• Vendas de fundos mútuos: US $ 22,7 milhões
• Vendas de anuidade: US $ 15,6 milhões
• Produtos de investimento estruturado: US $ 9,3 milhões
• Outros produtos de investimento: US $ 5,8 milhões

Receita de transação bancária digital

As receitas de transações bancárias digitais para 2023 totalizaram US $ 36,5 milhões:

Serviço digital	Receita
Transações bancárias móveis	US $ 18,2 milhões
Pagamento on -line	US $ 8,7 milhões
Processamento de pagamento digital	US $ 9,6 milhões

First Hawaiian, Inc. (FHB) - Canvas Business Model: Value Propositions

You're looking at the core reasons customers choose First Hawaiian, Inc. over competitors in the Pacific region, grounded in their late 2025 financial and service structure.

Local expertise and deep-rooted relationships in the Pacific region.

First Hawaiian, Inc. is the holding company for First Hawaiian Bank, which is Hawaii's oldest and largest financial institution, established in 1858. The bank maintains a physical presence with access to 48 branches across Hawaii. This local foundation supports the largest combined deposit base in Hawaii, Guam, and Saipan. The bank's market leadership is a key proposition.

Comprehensive suite of banking, wealth management, and trust services.

First Hawaiian, Inc. operates as a full-service community bank offering a complete suite of products. These services include:

• Deposit products.
• Loans.
• Wealth management.
• Insurance.
• Trust services.
• Retirement planning.
• Credit card services.
• Merchant processing services.

Digital tools providing personalized financial insights (MoneyMap).

The bank offers digital tools within its FHB Online Banking platform. Budgeting tools, specifically MoneyMap, help clients track spending and align it with their financial goals. This digital support complements personalized guidance from a banker.

Financial stability and strong credit quality metrics.

The financial strength as of September 30, 2025, underpins customer confidence. The bank reported total assets of $24.1 billion and total deposits of $20.7 billion. The Net Interest Margin (NIM) for the third quarter of 2025 stood at 3.19%, an increase of 8 basis points from the prior quarter. Credit quality metrics show a healthy profile:

Metric	Value (as of 9/30/2025)
Allowance for Credit Losses (ACL)	$165.3 million
ACL Coverage of Total Loans and Leases	1.17%
Non-Performing Assets (NPAs)	26 basis points
QTD Net Charge-Offs (Annualized)	$4.2 million (or 0.12% of average loans)
Common Equity Tier 1 (CET1) Ratio	13.24%
Tier 1 Leverage Ratio	9.16%

The Return on Average Assets (ROA) for Q2 2025 was 1.23%. The bank posted a net income of $73.8 million for Q3 2025. Stability is a clear message here.

Priority Banking with premium features like preferred CD rates.

Priority Banking offers premium features designed for high-value clients. The Priority Banking Platinum Checking Account has a monthly service charge of $22 per month, which is waived if the combined balance is $35,000 or if there is a direct deposit of at least $4,000 per statement cycle. Features include:

• Access to preferred rates on Certificates of Deposit (CDs).
• ATM surcharge fees rebate up to $8 per statement cycle.
• Waived incoming wire transfer fees.
• Two Overdraft/NSF Fee Rebates Annually.

For example, as of November 13, 2025, a 30-90 Days CD offered a Priority CD APY of 0.08% compared to the standard 0.03% APY, with a minimum opening deposit of $1,000. The minimum opening deposit for the Personal Priority Banking Checking Account itself is $20. A limited-time offer included a $250 statement credit for new customers setting up a $500 direct deposit within 30 days.

Finance: draft 13-week cash view by Friday.

First Hawaiian, Inc. (FHB) - Canvas Business Model: Customer Relationships

You're looking at how First Hawaiian, Inc. (FHB) manages its connections with its customers across its markets in Hawaii, Guam, and Saipan.

Dedicated, personalized support through Priority Banking bankers.

Priority Banking offers personalized financial guidance directly from a dedicated banker. This service is tied to specific account structures, like the Personal Priority Banking Checking Account, which has a Monthly Service Charge of $22 per month. That fee is waived if you maintain a combined balance of $35,000 or have a direct deposit of at least $4,000 per statement cycle. For new enrollees in late 2025, there was a limited-time offer to earn a $250 statement credit after setting up a $500 direct deposit within 30 days. Priority Banking customers also receive enhancements like ATM surcharge fees rebates up to $8 per statement cycle.

High-touch relationship management for commercial and wealth clients.

For commercial and wealth segments, the relationship is managed through dedicated teams. FHB's total assets stood at $23.84 billion as of Q2 2025, supporting this structure. The Commercial Banking segment, which includes Commercial and Industrial (C&I) lending, saw C&I lending expand by 4.8% to $109 million in Q2 2025. The total loan portfolio was $14.35 billion in that same quarter. Wealth management services are a key offering alongside deposit products and lending.

Automated self-service via FHB Online and mobile banking.

Digital channels provide the backbone for routine customer interactions. FHB has been investing in technology to streamline service delivery. For instance, in retail lending, an AI/ML automated loan underwriting platform was deployed, which increased loan application approvals in previously un-scorable populations. This technology drove automated approvals to reach 40% of loan applications at one point (data as of December 31, 2024). Budgeting tools, such as MoneyMap, are available within FHB Online Banking to help customers track spending.

Transactional service at branch and ATM locations.

Physical presence remains important, with FHB maintaining access to 48 branches across Hawaii, Guam, and Saipan. This network supports transactional needs for all customer types. Total deposits were $20.3 billion at the end of 2024. Customers use these locations for face-to-face service and access to ATMs.

Digital engagement with personalized smart insights.

The bank uses data to drive engagement, moving toward proactive service models. The use of AI/ML in underwriting is an example of using data to refine risk measurement and decision speed. The bank's Q2 2025 Return on Average Assets (ROA) was 1.23%, and the Net Interest Margin (NIM) was 3.11%, reflecting efficient asset utilization that underpins the ability to invest in these digital insights. The efficiency ratio improved to 57.2% in Q2 2025.

Here's a quick look at the quantitative aspects of these relationship channels:

Relationship Channel Focus	Key Metric	Value (as of late 2025/latest report)	Unit/Context
Priority Banking Support	Priority Banking Platinum Monthly Service Charge	$22	Per month
Priority Banking Support	Waiver Threshold for Combined Balance	$35,000	Combined Balance
Priority Banking Support	ATM Fee Rebate Maximum	$8	Per statement cycle
Commercial/Wealth Management	Total Assets	$23.84 billion	Q2 2025
Commercial/Wealth Management	Total Loans and Leases	$14.35 billion	Q2 2025
Automated Self-Service	Automated Loan Approval Rate (Max Observed)	40%	Of loan applications (as of 12/31/2024)
Transactional Service	Branch Network Size	48	Locations

The bank's Q2 2025 net income was $73.2 million. You should check the Q3 2025 earnings release on October 24, 2025, for the most current figures on digital adoption and client segment growth.

Finance: draft 13-week cash view by Friday.

First Hawaiian, Inc. (FHB) - Canvas Business Model: Channels

You're looking at how First Hawaiian, Inc. (FHB) gets its services to customers as of late 2025. It's a mix of the traditional and the digital, which makes sense for a bank with deep roots in the Pacific region.

The physical footprint remains a core channel, especially for relationship-driven business and wealth segments. As of the Q2 2025 context, First Hawaiian Bank operated a network of 48 branches across Hawaii, plus locations in Guam and Saipan. This physical presence is complemented by an extensive ATM network for cash access, which is critical for day-to-day consumer needs across the islands.

On the digital front, the bank is actively pushing adoption. You see the FHB Mobile app for both consumer and business banking, which got a refresh with a new version launched in July 2025. For more complex or commercial needs, customers use the FHB Online and FHB Commercial Online platforms. Honestly, the push to digital is about efficiency; the Q3 2025 efficiency ratio improved to 55.3% from 57.2% the prior quarter.

For the high-touch segments, the channel shifts to dedicated personnel. Relationship managers are the primary delivery mechanism for commercial lending and wealth management clients. These teams help translate the bank's overall financial strength-like the $24.1 billion in total assets as of September 30, 2025-into tailored solutions for those clients.

Here's a quick look at some of the hard numbers from the latest reported quarter, Q3 2025, which gives you a sense of the scale these channels support:

Metric	Amount (Q3 2025)
Net Income	$73.8 million
Total Deposits	$20.7 billion
Net Interest Margin (NIM)	3.19%
Efficiency Ratio	55.3%
Quarterly Dividend Per Share	$0.26

The bank's strategy clearly involves using its physical locations to support high-value interactions while driving transactional volume through digital means. The focus on relationship managers for commercial and wealth segments means those channels are staffed by personnel who can leverage the bank's strong capital position, evidenced by the 3.19% net interest margin in Q3 2025.

The service delivery points for First Hawaiian, Inc. can be summarized by their function:

• Physical branch network for in-person service across the region.
• FHB Mobile app for on-the-go consumer and business transactions.
• FHB Online and FHB Commercial Online for desktop access.
• Extensive ATM fleet ensuring ubiquitous cash access.
• Dedicated Relationship Managers for complex commercial and wealth needs.

Finance: draft 13-week cash view by Friday.

First Hawaiian, Inc. (FHB) - Canvas Business Model: Customer Segments

The customer base for First Hawaiian, Inc. is geographically concentrated yet segmented by the nature of the financial relationship.

Retail consumers across Hawai'i, Guam, and Saipan form a core segment, supported by a physical presence of 50 banking locations throughout the State of Hawaii, Guam and Saipan as of February 2024. Consumer deposits, categorized under Retail Banking, represented 44% of the total deposit base as of December 31, 2024. By March 31, 2025, total deposits stood at $20,215.8 million.

Commercial businesses, from small local firms to large enterprises, are served through the Commercial Banking segment. This group accounted for 56% of the total deposit base as of December 31, 2024. The loan portfolio shows significant commercial exposure, with Commercial Real Estate (CRE) balances at $729 million, representing 16.5% of total loan balances as of the second quarter of 2025.

The customer segments are further detailed by the structure of the loan and deposit book, as reflected in the Q3 2025 figures:

• Total Deposits as of September 30, 2025: $20.7 billion.
• Total Loans and Leases as of September 30, 2025: $14.1 billion.
• Total Assets as of September 30, 2025: $24.1 billion.
• Retail deposits growth offset fluctuations in commercial accounts in Q1 2025.

High-net-worth individuals requiring wealth management and trust services are included within the Retail Banking offering. First Hawaiian, Inc. reported $22.2 billion in assets under administration as of December 31, 2024.

Public sector entities with significant operating accounts are managed within the broader commercial or Treasury and Other segments, which handles corporate asset and liability management activities. The bank maintains a leading position with the largest combined deposit base in Hawaii, Guam and Saipan.

Here is a snapshot of key balance sheet metrics relevant to the customer base as of late 2025 reporting periods:

Metric	Value (as of Date)	Segment Relevance
Total Deposits	$20.7 billion (Q3 2025)	Retail Consumers & Commercial Businesses
Commercial Deposit Share	56% (Dec 31, 2024)	Commercial Businesses
Consumer Deposit Share	44% (Dec 31, 2024)	Retail Consumers
Assets Under Administration	$22.2 billion (Dec 31, 2024)	High-Net-Worth Individuals
CRE Loans	$729 million (Q2 2025)	Commercial Businesses

The bank is recognized as the oldest and largest financial institution in Hawaii, with operations extending to Guam and Saipan.

First Hawaiian, Inc. (FHB) - Canvas Business Model: Cost Structure

You're looking at the core expenses First Hawaiian, Inc. (FHB) is managing to deliver its services across the Hawaiian Islands in late 2025. The cost structure is heavily influenced by managing funding costs, maintaining a physical presence, and investing in its digital future.

The interest expense tied to deposits is a major component, though FHB showed success in managing this cost through Q1 2025. Net Interest Income (NII) for the first quarter of 2025 was $160.5 million, which represented an increase of $1.8 million compared to the prior quarter. This improvement was explicitly attributed to lower deposit costs and the benefit from the Q4 2024 investment portfolio restructuring. The Net Interest Margin (NIM) reflected this success, expanding 5 basis points to 3.08% in Q1 2025, up from 3.03% in Q4 2024. By Q2 2025, the NIM further increased to 3.11%. The funding mix remained supportive, with the noninterest-bearing deposit ratio holding strong at 34% in Q1 2025.

Noninterest expense, which covers the day-to-day running of the business outside of interest costs, was $123.6 million in the first quarter of 2025. This was a slight decrease of $0.6 million from the $124.1 million reported in the fourth quarter of 2024. Management reiterated its full-year 2025 noninterest expense guidance to be approximately $510 million. The efficiency ratio improved significantly, moving from 65.5% in Q4 2024 to 58.2% in Q1 2025, and further to 57.2% in Q2 2025.

Here's a look at the key quarterly expense and related items for the first half of 2025:

Metric (USD Millions)	Q1 2025	Q2 2025	Q4 2024 (Prior Quarter Comparison)
Noninterest Expense	123.6	124.9	124.1
Provision for Credit Losses (PCL)	10.5	4.5	(0.8) (Negative Provision)
Net Interest Income (NII)	160.5	N/A	158.8

The Provision for Credit Losses (PCL) is a critical, though variable, cost reflecting forward-looking risk assessment. FHB recorded a PCL of $10.5 million in Q1 2025, a significant increase from the $0.8 million negative provision (reversal) recorded in Q4 2024, reflecting a more pessimistic macro forecast under CECL (Current Expected Credit Loss) methodology. This provision moderated to $4.5 million in Q2 2025.

Technology investment is an ongoing operational cost. Management commentary indicated that FHB plans to continue investing in technology to enhance customer service. While specific dollar amounts for digital transformation or MX platforms were not detailed as a separate line item, the overall Noninterest Expense guidance of approximately $510 million for the full year 2025 incorporates these strategic technology outlays.

Costs associated with the physical footprint, such as branch network maintenance and associated operational expenses, are embedded within the reported Noninterest Expense figures. The overall expense management strategy resulted in an efficiency ratio improvement to 58.2% in Q1 2025 and 57.2% in Q2 2025.

• The allowance for credit losses stood at $166.6 million as of March 31, 2025, representing 1.17% of total loans and leases.
• Annualized net charge-offs for Q1 2025 were 0.11% of average loans and leases.
• The reserve for unfunded commitments was $33.3 million at the end of Q1 2025.

Finance: draft Q3 2025 expense forecast by October 15th.

First Hawaiian, Inc. (FHB) - Canvas Business Model: Revenue Streams

You're looking at how First Hawaiian, Inc. actually brings in the money, which is key for any financial model. The revenue streams are clearly split between interest-based earnings and non-interest fees, just like you'd expect from a community bank with deep local roots.

The core engine is the Net Interest Income (NII). For the second quarter of 2025, First Hawaiian, Inc. reported NII totaling exactly $163.6 million. This figure was up 1.9 percent quarter-over-quarter from the prior quarter's $160.5 million, driven by a net interest margin (NIM) that expanded 3 basis points to 3.11% as of June 30, 2025.

Here's a quick look at the main components driving that interest income and the asset base supporting it:

• Loan and lease interest is generated from a gross portfolio size of $14.35 billion as of Q2 2025.
• Investment portfolio income comes from securities classified as Available-for-Sale (AFS) and Held-to-Maturity (HTM).

To give you the scale of the assets generating that interest, check out the Q2 2025 balance sheet snapshot:

Asset Category	Balance as of June 30, 2025 (in millions)
Gross Loans and Leases	$14,351.9
Investment Securities - AFS	$1,891.7
Investment Securities - HTM	$3,658.8

The second major bucket is Noninterest Income. For Q2 2025, this hit $54.0 million, which was a 6.9 percent increase from the first quarter's $50.5 million. Management anticipates a more stable, recurring run-rate for this stream moving forward.

This Noninterest Income covers several service-related activities. You can expect the regular, recurring piece of this revenue to settle around a specific range:

• Anticipated recurring Noninterest Income run-rate: approximately $51 million to $52 million per quarter.
• This stream includes revenue from service charges, fees associated with wealth management, and specific transaction-based services.

Specifically regarding merchant processing and credit card fees, these fall under the broader Noninterest Income category. First Hawaiian, Inc. offers these services to its consumer and commercial customers across Hawaii, Guam, and Saipan, contributing to the quarterly fee revenue.

Let's put the key Q2 2025 revenue numbers side-by-side for clarity:

Revenue Stream Component	Q2 2025 Amount (in millions)
Net Interest Income (NII)	$163.6
Total Noninterest Income	$54.0
Total Revenue (NII + Noninterest Income)	$217.6 (Calculated: $163.6 + $54.0)