First Hawaiian

Minimum

Well-

First Hawaiian, Inc.

Bank

Capital

Capitalized

(dollars in thousands)

Amount

Ratio

Amount

Ratio

Ratio⁽¹⁾

September 30, 2023:

Common equity tier 1 capital to risk-weighted assets

$

2,004,248

12.21

%

$

1,990,261

12.12

%

4.50

%

6.50

%

Tier 1 capital to risk-weighted assets

2,004,248

12.21

%

1,990,261

12.12

%

6.00

%

8.00

%

Total capital to risk-weighted assets

2,196,818

13.38

%

2,182,831

13.30

%

8.00

%

10.00

%

Tier 1 capital to average assets (leverage ratio)

2,004,248

8.45

%

1,990,261

8.39

%

4.00

%

5.00

%

December 31, 2022:

Common equity tier 1 capital to risk-weighted assets

$

1,912,767

11.82

%

$

1,895,693

11.71

%

4.50

%

6.50

%

Tier 1 capital to risk-weighted assets

1,912,767

11.82

%

1,895,693

11.71

%

6.00

%

8.00

%

Total capital to risk-weighted assets

2,090,502

12.92

%

2,073,428

12.81

%

8.00

%

10.00

%

Tier 1 capital to average assets (leverage ratio)

1,912,767

8.11

%

1,895,693

8.04

%

4.00

%

5.00

%