Exhibit 12. Computation of Ratios

BancWest Corporation and Subsidiaries

Computation of Consolidated Ratios of Earning to Fixed Charges

Year Ended December 31,
(Dollars in thousands)	2005			2004			2003			2002			2001
Income before income taxes	$	937,493		$	772,070		$	711,632		$	595,326		$	426,116
Fixed charges (1)
Interest expense		880,120			442,825			385,207			465,330			507,135
Rental expense		18,052			16,884			18,353			21,332			15,531
		898,172			459,709			403,560			486,662			522,666
Less interest on deposits		455,749			203,407			180,232			281,466			393,263
Net Fixed charges		442,423			256,302			223,328			205,196			129,403
Earnings, excluding interest on deposits	$	1,379,916		$	1,028,372		$	934,960		$	800,522		$	555,519
Earnings, including interest on deposits	$	1,835,665		$	1,231,779		$	1,115,192		$	1,081,988		$	948,782
Ratio of earnings to fixed charges:
Excluding interest on deposits		3.12	x		4.01	x		4.19	x		3.90x	x		4.29	x
Including interest on deposits		2.04	x		2.68	x		2.76	x		2.22	x		1.82	x

⁽¹⁾ For Purposes of computing the consolidated ratios of earnings to fixed charges, earnings represent income before income taxes and fixed charges. Fixed charges, excluding interest on deposits, include interest (other than on deposits), whether expensed or capitalized, and that portion of rental expense (generally one third) deemed representative of the interest factor. Fixed charges, including interest on deposits, consist of the foregoing items plus interest on deposits.