Leverage • First Hawaiian
FHB
First Hawaiian Inc is a bank holding company. It provides a diversified range of banking services to consumer and commercial customers, including deposit products, lending services, and wealth management and trust services. The company offers a variety of deposit products to its customers, including checking and savings accounts and other types of deposit accounts. It provides commercial and industrial lending, including auto dealer flooring, commercial real estate, and construction lending. It also offers comprehensive consumer lending services focused on residential real estate lending, indirect auto financing, and other consumer loans. The company's segments are Retail Banking, Commercial Banking, and Treasury, and others of which key revenue is derived from Retail Banking.
2,3B
Total Capital
Total capital is Tier 1 equity capital, consisting of equity capital, disclosed reserves and Tier 2 capital, made up of revaluation reserves, undisclosed reserves, hybrid instruments and subordinated term debt.
16,2B
RWA
Risk-weighted assets are used to determine the minimum amount of capital a bank must hold in relation to the risk profile of its lending activities and other assets. This is done in order to reduce the risk of insolvency and protect depositors. The more risk a bank has, the more capital it needs on hand. The capital requirement is based on a risk assessment for each type of bank asset. For example, a loan that is secured by a letter of credit is considered to be riskier than a mortgage loan that is secured with collateral and thus requires more capital.
14,2%
Total Capital Ratio
Minimum capital adequacy ratios are critical in ensuring that banks have enough cushion to absorb a reasonable amount of losses before they become insolvent and consequently lose depositors’ funds. The minimum ratio of capital to risk-weighted assets is 8% under Basel II and 10.5% under Basel III.
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LCR
The liquidity coverage ratio (LCR) refers to the proportion of highly liquid assets held by financial institutions, to ensure their ongoing ability to meet short-term obligations. The LCR is a requirement under Basel III whereby banks are required to hold an amount of high-quality liquid assets that's enough to fund cash outflows for 30 days.
17,8M
NPA
A nonperforming asset (NPA) refers to a classification for loans or advances that are in default or in arrears. A loan is in arrears when principal or interest payments are late or missed. A loan is in default when the lender considers the loan agreement to be broken and the debtor is unable to meet his obligations. In most cases, debt is classified as nonperforming when loan payments have not been made for a period of 90 days.
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