First Hawaiian

Minimum

Well-

First Hawaiian, Inc.

Bank

Capital

Capitalized

(dollars in thousands)

Amount

Ratio

Amount

Ratio

Ratio⁽¹⁾

September 30, 2022:

Common equity tier 1 capital to risk-weighted assets

$

1,863,915

11.79

%

$

1,846,735

11.68

%

4.50

%

6.50

%

Tier 1 capital to risk-weighted assets

1,863,915

11.79

%

1,846,735

11.68

%

6.00

%

8.00

%

Total capital to risk-weighted assets

2,042,219

12.92

%

2,025,039

12.81

%

8.00

%

10.00

%

Tier 1 capital to average assets (leverage ratio)

1,863,915

7.78

%

1,846,735

7.71

%

4.00

%

5.00

%

December 31, 2021:

Common equity tier 1 capital to risk-weighted assets

$

1,783,113

12.24

%

$

1,769,214

12.14

%

4.50

%

6.50

%

Tier 1 capital to risk-weighted assets

1,783,113

12.24

%

1,769,214

12.14

%

6.00

%

8.00

%

Total capital to risk-weighted assets

1,965,280

13.49

%

1,951,377

13.40

%

8.00

%

10.00

%

Tier 1 capital to average assets (leverage ratio)

1,783,113

7.24

%

1,769,214

7.18

%

4.00

%

5.00

%