Bank of Hawaii Corp. Products and Services

# Bank of Hawaii Corp. Products and Services

## Overview Bank of Hawaii Corp. is the holding company for Bank of Hawaii, one of the largest financial institutions in Hawaii. Through its subsidiaries and divisions, the company delivers a broad range of banking and financial services to individuals, small businesses, large corporations, and institutional clients throughout Hawaii and the broader Pacific region.

## Consumer Banking Products The consumer banking division offers traditional deposit products including checking and savings accounts, money market accounts, and certificates of deposit (CDs). Bank of Hawaii provides various checking account options designed for different customer needs, ranging from basic accounts to premium accounts with enhanced features and benefits. The institution also offers consumer lending products, including personal loans, auto loans, and home equity lines of credit.

## Mortgage Services Bank of Hawaii provides mortgage lending services for both primary residences and investment properties. The company offers conventional mortgages, government-backed loans (FHA, VA, and USDA), and jumbo mortgage products. Their mortgage services include fixed-rate and adjustable-rate mortgage options to accommodate different borrowing preferences and financial situations.

## Commercial and Business Banking The commercial banking division serves small to mid-sized businesses and larger corporate clients with tailored financial solutions. Services include business lending, lines of credit, equipment financing, and commercial real estate loans. Bank of Hawaii also provides treasury management services, trade financing, and cash management solutions to support business operations and growth strategies.

## Investment and Wealth Management Services Bank of Hawaii offers investment advisory services and wealth management solutions through its trust and investment services division. These services include investment management, financial planning, estate planning assistance, and retirement planning. The company provides access to brokerage services and investment products, serving both individual and institutional clients seeking sophisticated wealth management solutions.

## Digital Banking Services Bank of Hawaii operates a robust digital banking platform providing online banking, mobile banking, and digital payment solutions. Customers can manage accounts, transfer funds, pay bills, and access other banking services through internet and mobile applications. The company has invested in digital technology infrastructure to enhance customer convenience and security.

## Other Financial Services Beyond traditional banking, Bank of Hawaii Corp. offers additional financial services including credit cards for personal and business use, safe deposit boxes, and foreign exchange services. The company serves the unique financial needs of the Pacific region, including services for international clients and businesses with cross-border operations.

## Market Focus Given its primary market in Hawaii, Bank of Hawaii tailors many products and services to address the unique economic conditions and needs of the Hawaiian islands, including tourism-related businesses, real estate markets, and the state's diverse population. The bank maintains a significant presence throughout the Hawaiian islands and extends services to key Pacific markets.

## Regulatory Compliance As a financial institution, Bank of Hawaii Corp. operates under the regulatory framework established by federal banking authorities, including the Federal Deposit Insurance Corporation (FDIC), and complies with state banking regulations. The company maintains capital and liquidity requirements and undergoes regular examinations to ensure financial stability and consumer protection.