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Share via. Other banks said their branches have always been limited to certain geographical regions that simply don't include Hawaii. Many banks have even been shedding branches as they cut costs and focus on boosting their online and mobile presence, so there would need to be a very compelling reason for a bank to open a new brick and mortar branch anywhere -- especially in a place where they haven't had a presence before, said David Albertazzi, a senior analyst at Aite Group.
We're no longer maintaining this page. For the nation's 10 biggest banks, Hawaii is no paradise. Personal Finance. LendingTree Paid Partner. CNNMoney Sponsors. SmartAsset Paid Partner. The difference in commercial loans is even more dramatic. According to Ho, the decision of where to put your excess capital is tied to that question of liquidity. If I needed to sell bonds tomorrow, I hope to hell I could find a buyer for a U.
And the answer is yes. Although the balance sheet makes it easy to see how the two banks ended up weighted toward different asset classes, explaining why is somewhat harder. According to Ho, this simply reflects the slow growth in the state GDP.
We know where our investment assets are coming from. Treasury, for the most part, or from municipalities, including Hawaii. But where are the loan assets coming from? For us, the vast, vast, vast majority of our loan assets are sourced right here in the Islands and in Guam — we have a large Guam operation — and the source of repayment, the people and businesses underwriting those loans, are also right here in the Islands. He suggests that might not be the case with First Hawaiian.
Where could those loans be coming from? One possibility is that First Hawaiian is poaching business from other banks in Hawaii. So, where is it coming from? Is it coming from France? Is it coming from California?
Harrison acknowledges that First Hawaiian does, indeed, have clients on the mainland. Do we have some stuff on the mainland? The answer is yes. We do some loans for customers that are here and have operations on the mainland and for some of the big national chains that have business here in Hawaii. But if you look at the growth in our commercial loan portfolio over the last several years, the vast majority of that was right here in Hawaii. But if First Hawaiian seems to be more successful in its lending operations, Bank of Hawaii does much better on the investment side of the house.
Where First Hawaiian earned a measly 1.
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