| Schedule of regulatory capital ratios |
| | | | | | | | | | | | | | | | | | | | First Hawaiian | | Minimum | | Well- | | | | First Hawaiian, Inc. | | Bank | | Capital | | Capitalized | | (dollars in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Ratio(1) | | Ratio(1) | | June 30, 2026: | | | | | | | | | | | | | | | | Common equity tier 1 capital to risk-weighted assets | | $ | 2,189,274 | | 13.27 | % | $ | 2,183,260 | | 13.23 | % | 4.50 | % | 6.50 | % | Tier 1 capital to risk-weighted assets | | | 2,189,274 | | 13.27 | % | | 2,183,260 | | 13.23 | % | 6.00 | % | 8.00 | % | Total capital to risk-weighted assets | | | 2,395,002 | | 14.52 | % | | 2,388,988 | | 14.48 | % | 8.00 | % | 10.00 | % | Tier 1 capital to average assets (leverage ratio) | | | 2,189,274 | | 9.46 | % | | 2,183,260 | | 9.44 | % | 4.00 | % | 5.00 | % | | | | | | | | | | | | | | | | | December 31, 2025: | | | | | | | | | | | | | | | | Common equity tier 1 capital to risk-weighted assets | | $ | 2,142,013 | | 13.17 | % | $ | 2,129,855 | | 13.10 | % | 4.50 | % | 6.50 | % | Tier 1 capital to risk-weighted assets | | | 2,142,013 | | 13.17 | % | | 2,129,855 | | 13.10 | % | 6.00 | % | 8.00 | % | Total capital to risk-weighted assets | | | 2,345,269 | | 14.42 | % | | 2,333,149 | | 14.35 | % | 8.00 | % | 10.00 | % | Tier 1 capital to average assets (leverage ratio) | | | 2,142,013 | | 9.27 | % | | 2,129,855 | | 9.22 | % | 4.00 | % | 5.00 | % |
| (1) | As defined by the regulations issued by the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, and Federal Deposit Insurance Corporation (“FDIC”). |
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