46195--2/28/2006--BANK_OF_HAWAII_CORP

related topics

{condition, economic, financial}

{loss, insurance, financial}

{debt, indebtedness, cash}

{loan, real, estate}

{system, service, information}

{regulation, change, law}

{competitive, industry, competition}

{cost, regulation, environmental}

Changes in the Hawaii and island market economies could adversely impact the Company. Changes in interest rates could adversely impact the Company. The Company's reserve for credit losses may not be adequate to cover actual loan losses. The Company is subject to extensive regulation. Competition may adversely affect the Company's business. The Parent's liquidity is dependent on dividends from the Bank. An interruption or breach in security of the Company's information systems may result in a loss of customers. Additional risks and uncertainties could have a negative effect on the Company's financial condition or results of operations.

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