Bank of Hawaii Corporation (BOH) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.436 Good day and thank you for standing by. Welcome to the Bank of Hawaii Corporation third 00:00:03.436 -- 00:00:07.942 quarter 2025 earnings conference call. At this time, all participants are on a listen-only 00:00:07.942 -- 00:00:12.228 mode. After the speaker's presentation, there will be a question and answer session. 00:00:12.228 -- 00:00:15.633 To ask a question during the session, you'll need to press star 1-1 on your telephone. 00:00:15.633 -- 00:00:18.537 You will then hear an automated message advising your hand is raised. 00:00:18.537 -- 00:00:20.901 To withdraw your question, please press star 1-1 again. 00:00:20.901 -- 00:00:23.845 Please be advised today's conference is being recorded. 00:00:23.845 -- 00:00:26.108 I would now like to hand the conference over to your speaker today, Chang Park. 00:00:26.108 -- 00:00:28.469 Please go ahead. 00:00:31.942 -- 00:00:35.607 Good morning and good afternoon. Thank you for joining us today for our third quarter 00:00:35.607 -- 00:00:40.653 2025 earnings conference call. Joining me today is our chairman and CEO, 00:00:40.653 -- 00:00:45.940 Peter Ho, President and Chief Banking Officer, Jim Polk, CFO, Brass Attenberg, 00:00:45.940 -- 00:00:50.526 and Chief Risk Officer, Brash Erson. Before we get started, I want to remind you that 00:00:50.526 -- 00:00:54.151 today's conference call will contain some forward-looking statements. 00:00:54.151 -- 00:00:58.777 And while we believe our assumptions are reasonable, the actual results may differ materially 00:00:58.777 -- 00:01:03.141 from those projected. During the call today, we'll be referencing a slide presentation 00:01:03.141 -- 00:01:08.166 as well as the earnings release. Both of these are available on our website, boh.com, 00:01:...