Company: BOH
Filing Date: 2025-07-28
Form Type: 10-Q
Source: 0001628280-25-036240
Chunk: 132

Company: BANK OF HAWAII CORP
Filing Date: 2025-07-28
Form: 10-Q
Item: Part I, Item 8
Chunk 132
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 Borrowers Experiencing Financial DifficultyModifications to borrowers experiencing financial difficulty may include interest rate reductions, principal or interest forgiveness, forbearances, term extensions, and other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral. The following illustrates the most common loan modifications by loan classes offered by the Company:Loan ClassesModification TypesCommercial:Term extension, interest rate reductions, other-than-insignificant payment delay, or combination thereof. These modifications extend the term of the loan, lower the payment amount, or result in an other-than-insignificant payment delay during a defined period for the purpose of providing borrowers additional time to return to compliance with the original loan term.Residential Mortgage/Home Equity:Forbearance period greater than six months. These modifications require reduced or no payments during the forbearance period for the purpose of providing borrowers additional time to return to compliance with the original loan term.Residential Mortgage/Home Equity:Term extension and rate adjustment. These modifications extend the term of the loan and provide for an adjustment to the interest rate, which reduces the monthly payment requirement.Automobile/Direct Installment:Term extension greater than three months. These modifications extend the term of the loan, which reduces the monthly payment requirement.

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The following table presents the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty during three and six months ended June 30, 2025 and 2024.(dollars in thousands)Term ExtensionPayment Delay and Term Extension1Term Extension and Interest Rate ReductionRate Reduction, Payment Delay, and Term ExtensionPayment DelayTotal% of Total Class of Loans and LeasesThree Months Ended June 30, 2025CommercialCommercial and Industrial$83 $— $— $— $— $83 0.01 %Total Commercial83 — — — — 83 0.01 ConsumerResidential Mortgage456 — — — — 456 0.01 Automobile3,680 — — — — 3,680 0.51 Other431 — — — — 431 0.11 Total Consumer4,567 — — — — 4,567 0.06 Total Loans and Leases$4,650 $— $— $— $— $4,650 0.03 %Six Months Ended June 30, 2025CommercialCommercial Mortgage$— $