46195--2/25/2008--BANK_OF_HAWAII

related topics

{condition, economic, financial}

{regulation, change, law}

{investment, property, distribution}

{personnel, key, retain}

{system, service, information}

{financial, litigation, operation}

{debt, indebtedness, cash}

{competitive, industry, competition}

Changes in business and economic conditions, in particular those of Hawaii and the Pacific Islands (Guam, 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. Credit losses may increase due to weaker economic conditions. 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. Negative public opinion could damage our reputation and adversely impact our earnings. Changes in income tax laws or interpretations or in accounting standards 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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46195--2/25/2008--BANK_OF_HAWAII_CORP