46195--2/22/2007--BANK_OF_HAWAII_CORP

related topics
{regulation, change, law}
{investment, property, distribution}
{personnel, key, retain}
{loss, insurance, financial}
{system, service, information}
{debt, indebtedness, cash}
{condition, economic, financial}
{competitive, industry, competition}
Changes in business and economic conditions, in particular those of Hawaii and the Pacific Islands (Guam and nearby islands and American Samoa) could lead to lower revenue, lower asset quality, and lower earnings. Changes in interest rates could adversely impact our results of operations. Our reserve for credit losses may not be adequate to cover actual loan and lease losses. Our operations are subject to extensive regulation. Competition may adversely affect our business. Our liquidity is dependent on dividends from the Bank. An interruption or breach in security of our information systems may result in a loss of customers. Changes in accounting standards or in income tax laws or interpretations could materially affect our financial condition or results of operations. Our performance depends on attracting and retaining key employees and skilled personnel to operate our business effectively.

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