Jeff Rulis

Kelly Motta

Jared Shaw

Andrew Liesch

Andrew Terrell

Matthew Clark

Jared David Shaw

- Bank of Hawaii Corporation reported strong third quarter 2025 results, with fully diluted earnings per share of **$1.20**, marking a **29% increase** from a year ago and a **13% increase** from the previous quarter.  **[0000046195_2205608_1]**  Net income for the quarter was **$53.3 million**.  **[0000046195_2205608_4]** 
- The net interest margin (NIM) improved for the sixth consecutive quarter, increasing by **seven basis points to 2.46%**.  **[0000046195_2205608_1]**  The company anticipates further NIM expansion, projecting a **25 basis point pickup per year**.  **[0000046195_2205608_6]** 
- Credit quality remained pristine, with net charge-offs at **$2.6 million** (seven basis points annualized) and non-performing assets at **12 basis points**.  **[0000046195_2205608_3]**  The allowance for credit losses (ACL) stood at **$148.8 million**, with the ratio to outstandings remaining flat at **1.06%**.  **[0000046195_2205608_3]** 
- The company declared a dividend of **$0.70 per common share** and indicated plans to engage in share repurchases, with **$126 million** remaining available under the current program.  **[0000046195_2205608_5]** **[0000046195_2205608_7]** 
- Strategic actions included the sale of its merchant services business, which resulted in an **$18 million gain**, and the repositioning of its AFS securities portfolio, expected to increase quarterly net interest income by approximately **$1.7 million**.  **[0000046195_2205608_5]**

Bank of Hawaii Corporation Reports Strong Q3 2025 Earnings and Continued NIM Expansion

- Bank of Hawaii Corporation reported strong **Q3 2025** results, with fully diluted earnings per share of **$1.20**, a **29%** increase year-over-year and **13%** quarter-over-quarter.  **[0000046195_2205665_1]** 
- The net interest margin (NIM) improved for the sixth consecutive quarter, increasing by **seven basis points to 2.46%**, with further expansion anticipated.  **[0000046195_2205665_1]** 
- Credit quality remained strong, with net charge-offs at **$2.6 million** (seven basis points annualized) and non-performing assets at **12 basis points**.  **[0000046195_2205665_3]** 
- Management expects **low single-digit loan growth** for Q4 2025 and 2026, and anticipates 2026 expenses to increase in the **3+% range**.  **[0000046195_2205665_6]** **[0000046195_2205665_8]**  The board declared a **$0.70 per common share** dividend for Q4 2025, and **$126 million** remains available for share repurchases, with activity likely in Q4 and next year.  **[0000046195_2205665_5]** **[0000046195_2205665_7]**

Bank of Hawaii Reports Strong Q3 2025 Earnings and Continued NIM Expansion

- Bank of Hawaii (BOH) reported **fully diluted earnings per share of $1.2** for Q3 2025, a **13% increase** from the previous quarter.  **[0000046195_2205561_1]**  The **net interest margin (NIM) improved to 2.46%**, marking the sixth consecutive quarter of expansion, and is anticipated to expand further.  **[0000046195_2205561_1]** 
- The company maintained strong credit quality with **net charge-offs at $2.6 million** (seven basis points annualized) and **nonperforming assets at 12 basis points**.  **[0000046195_2205561_2]**  The loan portfolio is **93% Hawaii-based** and diversified.  **[0000046195_2205561_2]** 
- BOH advanced its number one deposit market share position in Hawaii by **40 basis points** as of June 30, 2025.  **[0000046195_2205561_1]**  Strategic actions included remixing **$594 million** in fixed-rate assets and investments to a higher roll-on rate.  **[0000046195_2205561_1]** 
- The sale of the merchant services business, combined with securities repositioning, is expected to result in a **$1 million** or **$0.02 per share** improvement to quarterly pretax earnings.  **[0000046195_2205561_5]**  The company is also investing in its wealth management initiative and plans to add talent.  **[0000046195_2205561_1]** **[0000046195_2205561_7]** 
- BOH indicated a likelihood of **share buyback activity** in the current quarter and into next year, with **$126 million** remaining under the current repurchase program.  **[0000046195_2205561_5]** **[0000046195_2205561_7]**  The outlook for 2026 expense growth is projected to be in the **3% to 4% range**, likely closer to **3.5%**.  **[0000046195_2205561_8]**

Bank of Hawaii Reports Strong Q3 2025 Earnings with Expanding NIM and Strategic Initiatives

- Bank of Hawaii reported **fully diluted earnings per share of $1.20** for Q3 2025, representing a **29% increase** from a year ago and a **13% increase** from the previous quarter.  **[0000046195_2205554_1]** 
- The company's **net interest margin (NIM) expanded for the sixth consecutive quarter**, increasing by **seven basis points to 2.46%** in Q3 2025, with further expansion anticipated in upcoming quarters.  **[0000046195_2205554_1]** 
- Average deposits grew by **7% annualized**, and end-of-period loans experienced modest growth, with a projected **low single-digit growth** for Q4 2025 and into 2026.  **[0000046195_2205554_1]** **[0000046195_2205554_6]** 
- Credit quality remained strong, with **net charge-offs at $2.6 million** (seven basis points annualized) and **non-performing assets at 12 basis points** in Q3 2025.  **[0000046195_2205554_3]** 
- Bank of Hawaii completed the sale of its merchant services business, which generated an **$18 million gain** (substantially offset by a securities portfolio repositioning), and forecasts normalized noninterest expense to be approximately **$109 million** for Q4 2025.  **[0000046195_2205554_5]**

- Bank of Hawai'i Corporation reported **diluted earnings per common share of $1.20** and **net income of $53.3 million** for Q3 2025.  **[0000046195_2205368:0]** **[0000046195_2205368:20]** 
- The company's **net interest margin expanded for the sixth consecutive quarter to 2.46%** in Q3 2025, and **return on average common equity increased to 13.59%**.  **[0000046195_2205368:0]** **[0000046195_2205368:20]** 
- Credit quality remained strong with a **stable net charge-off rate of 0.07%** and an **improved non-performing assets level of 0.12%** in Q3 2025.  **[0000046195_2205368:0]** **[0000046195_2205368:7]** 
- The balance sheet showed **average deposits increasing by 7.1% annualized** and strong capital with a **Tier 1 capital ratio of 14.34%** and a **total capital ratio of 15.40%** in Q3 2025.  **[0000046195_2205368:0]** **[0000046195_2205368:21]**

Bank of Hawai'i Corporation Reports Strong Q3 2025 Financial Results

- Bank of Hawai‘i Corporation reported **diluted earnings per common share of $1.20** for the third quarter of 2025, an increase from $1.06 in the linked quarter and $0.93 in the same period last year.  **[46195_0000046195-25-000034_ex991earningsrelease093025.htm:0]** **[46195_0000046195-25-000034_ex991earningsrelease093025.htm:6]** 
- **Net income for Q3 2025 was $53.3 million**, up **12.0%** from the linked quarter and **32.2%** from the same period last year.  **[46195_0000046195-25-000034_ex991earningsrelease093025.htm:0]** **[46195_0000046195-25-000034_ex991earningsrelease093025.htm:6]** 
- **Net interest income reached $136.7 million** in Q3 2025, with the **net interest margin expanding to 2.46%**, marking the sixth consecutive quarter of expansion for both metrics.  **[46195_0000046195-25-000034_ex991earningsrelease093025.htm:0]** **[46195_0000046195-25-000034_ex992earningsslides09302.htm:1]** **[46195_0000046195-25-000034_ex991earningsrelease093025.htm:6]** 
- Average deposit balances increased by **7.1% annualized** from the linked quarter.  **[46195_0000046195-25-000034_ex991earningsrelease093025.htm:0]** **[46195_0000046195-25-000034_ex992earningsslides09302.htm:1]** 
- The Board of Directors declared a **dividend of $0.70 per common share**.  **[46195_0000046195-25-000034_ex991earningsrelease093025.htm:0]** **[46195_0000046195-25-000034_ex991earningsrelease093025.htm:6]**

Bank of Hawai‘i Corporation Reports Strong Q3 2025 Financial Results

- Bank of Hawai\u2018i Corporation reported **diluted earnings per common share of $1.20** for the third quarter of 2025, an increase from **$1.06** in the linked quarter and **$0.93** in the same period last year.  **[46195_3b529fa77797405ca0ee513279937f3f_0]** 
- **Net income** for the third quarter of 2025 was **$53.3 million**, up **12.0%** from the linked quarter and **32.2%** from the same period last year.  **[46195_3b529fa77797405ca0ee513279937f3f_0]** 
- **Net interest income** reached **$136.7 million** in the third quarter of 2025, a **5.4%** increase from the linked quarter, with a **net interest margin of 2.46%**.  **[46195_3b529fa77797405ca0ee513279937f3f_0]** 
- **Average deposits** increased by **7.1% annualized** from the linked quarter, and the Board of Directors declared a **dividend of $0.70 per common share**.  **[46195_3b529fa77797405ca0ee513279937f3f_0]** 
- The company maintained strong asset quality, with **total non-performing assets** at **$16.9 million** as of September 30, 2025, and a **Tier 1 Capital Ratio** of **14.34%**.  **[46195_3b529fa77797405ca0ee513279937f3f_2]** **[46195_3b529fa77797405ca0ee513279937f3f_7]**

Bank of Hawai\u2018i Corporation Reports Strong Third Quarter 2025 Financial Results

- Bank of Hawaii Corporation reported **increased net interest income and net income** in U.S. dollars for the nine months ended September 30, 2025.  **[46195_fececa9e527c43fba851ba88ff9e73d1]** 
- The company's diluted earnings per share from continuing operations for the nine months rose to **USD 3.24** from USD 2.61 a year ago.  **[46195_fececa9e527c43fba851ba88ff9e73d1]**

BANK OF HAWAII (BOH)