First Hawaiian

Minimum

Well-

First Hawaiian, Inc.

Bank

Capital

Capitalized

(dollars in thousands)

Amount

Ratio

Amount

Ratio

Ratio⁽¹⁾

March 31, 2021:

Common equity tier 1 capital to risk-weighted assets

$

1,731,573

12.82

%

$

1,717,126

12.71

%

4.50

%

6.50

%

Tier 1 capital to risk-weighted assets

1,731,573

12.82

%

1,717,126

12.71

%

6.00

%

8.00

%

Total capital to risk-weighted assets

1,901,254

14.07

%

1,886,793

13.97

%

8.00

%

10.00

%

Tier 1 capital to average assets (leverage ratio)

1,731,573

7.90

%

1,717,126

7.83

%

4.00

%

5.00

%

December 31, 2020:

Common equity tier 1 capital to risk-weighted assets

$

1,717,008

12.47

%

$

1,699,485

12.34

%

4.50

%

6.50

%

Tier 1 capital to risk-weighted assets

1,717,008

12.47

%

1,699,485

12.34

%

6.00

%

8.00

%

Total capital to risk-weighted assets

1,889,958

13.73

%

1,872,427

13.60

%

8.00

%

10.00

%

Tier 1 capital to average assets (leverage ratio)

1,717,008

8.00

%

1,699,485

7.92

%

4.00

%

5.00

%