Bank Of Hawaii Corporation · NYSE:BOH
Bank Of Hawaii — Investor Presentation (March 2023)
19 slides from Bank Of Hawaii's investor presentation, Mar 13, 2023
Slide 1: Bank of Hawai‘i Corporation operational overview
Bank of Hawai‘i Corporation operational overview March 12, 2023 Exhibit 99.1
Slide 2: Operational highlights
operational highlights 2 unique and competitively advantageous deposit market exceptional deposit base substantial liquidity back up high quality assets
Slide 3: Notable accolades
notable accolades 3 Rated Aa3 by Moody’s Investor Service for Long-term Deposits – the highest deposit rating in Hawaii and of the highest in the U.S. Named “Hawaii’s Best Bank” by readers of the Honolulu Star- Advertiser for the last 12 years consecutively Ranked No. 3 among America’s Most Trusted
Slide 4: Our deposits
our deposits 4 Over our 125 year history in the islands, Bank of Hawaii has developed an exceptionally seasoned deposit base, built one relationship at a time, over many years, and in neighborhoods and communities we know
Slide 5: Steady, measured & balanced deposit growth
steady, measured & balanced deposit growth $ in billions 5 source: CAGR through February 28, 2023 balances increased by $33 million on March 10
Slide 6: Unique deposit market
unique deposit market 6 source: S&P Capital IQ FDIC Annual Summary of Deposits as of June 30, 2022 unique deposit market with five local competitors holding 97% of the bank deposit market
Slide 7: Granular deposits
granular 7 note: as of February 28, 2023 # depositors fully FDIC insured 98% $ balances FDIC insured 48% average consumer account balance $18,000 average commercial account balance $134,000
Slide 8: Diversified deposit base
diversified deposit base 8 note: as of February 28, 2023
Slide 9: Diversified deposit base
diversified deposit base 9 *note: as of February 28, 2023, no sector included in ‘other’ comprises more than 3.5% of total, excludes foreign currency and agency accounts
Slide 10: Highly operational in nature
highly operational in nature 10 note: as of February 28, 2023 overall demand: 52%
Slide 11: Tenured deposit base
tenured deposit base 11 note: as of February 28, 2023
Slide 12: Liquidity lines
liquidity lines 12 Bank of Hawaii carries substantial liquidity lines and equivalents for both day-to-day operational purposes as well as for liquidity back stop purposes. The high quality of our asset base provides us with ample access.
Slide 13: Available borrowing capacity
available borrowing capacity 13 $ in billions *does not include the Bank Term Funding Program.
Slide 14: Our assets
our assets 14 Serving an island based community for over 125 years has steered us to embrace values like stewardship and sustainability. It is with these values that we manage the assets of the organization.
Slide 15: Asset composition
asset composition 15 note: as of December 31, 2022
Slide 16: Loan portfolio
loan portfolio as of 12/31/22, excluding PPP 16 40% commercial 73% real estate secured wtd avg LTV 57% 57% w/ BOH ≥ 10 yrs avg balance $0.7MM commercial real estate commercial residential mortgage home equity auto leasing other consumer construction 60% consumer 84% real estate secured wtd avg LTV 5
Slide 17: Geographic focus
geographic focus 17 note: as of December 31, 2022 we lend in markets we know to customers we understand
Slide 18: Conservative and liquid investment portfolio
conservative and liquid investment portfolio 18 high-quality, low-risk investment portfolio note: as of December 31, 2022
Slide 19: Operational take aways
operational take aways 19 unique and competitively advantageous deposit market exceptional deposit base substantial liquidity back up high quality assets