First Hawaiian

Minimum

Well-

First Hawaiian, Inc.

Bank

Capital

Capitalized

(dollars in thousands)

Amount

Ratio

Amount

Ratio

Ratio⁽¹⁾

September 30, 2025:

Common equity tier 1 capital to risk-weighted assets

$

2,125,068

13.24

%

$

2,112,938

13.16

%

4.50

%

6.50

%

Tier 1 capital to risk-weighted assets

2,125,068

13.24

%

2,112,938

13.16

%

6.00

%

8.00

%

Total capital to risk-weighted assets

2,325,664

14.49

%

2,313,572

14.41

%

8.00

%

10.00

%

Tier 1 capital to average assets (leverage ratio)

2,125,068

9.16

%

2,112,938

9.11

%

4.00

%

5.00

%

December 31, 2024:

Common equity tier 1 capital to risk-weighted assets

$

2,083,938

12.80

%

$

2,070,403

12.71

%

4.50

%

6.50

%

Tier 1 capital to risk-weighted assets

2,083,938

12.80

%

2,070,403

12.71

%

6.00

%

8.00

%

Total capital to risk-weighted assets

2,277,178

13.99

%

2,263,643

13.90

%

8.00

%

10.00

%

Tier 1 capital to average assets (leverage ratio)

2,083,938

9.14

%

2,070,403

9.08

%

4.00

%

5.00

%