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Wiki Wiki Summary
Fear, uncertainty, and doubt Fear, uncertainty, and doubt (often shortened to FUD) is a propaganda tactic used in sales, marketing, public relations, politics, polling and cults. FUD is generally a strategy to influence perception by disseminating negative and dubious or false information and a manifestation of the appeal to fear.
Uncertainty quantification Uncertainty quantification (UQ) is the science of quantitative characterization and reduction of uncertainties in both computational and real world applications. It tries to determine how likely certain outcomes are if some aspects of the system are not exactly known.
Uncertainty budget The uncertainty budget is an aid for specifying the expanded measurement uncertainty. The individual measurement uncertainty factors are summarised, usually in tabular form, in the measurement uncertainty budget.
Adverse effect An adverse effect is an undesired harmful effect resulting from a medication or other intervention, such as surgery. An adverse effect may be termed a "side effect", when judged to be secondary to a main or therapeutic effect.
Financial law Financial law is the law and regulation of the insurance, derivatives, commercial banking, capital markets and investment management sectors. Understanding Financial law is crucial to appreciating the creation and formation of banking and financial regulation, as well as the legal framework for finance generally.
Financial analysis Financial analysis (also referred to as financial statement analysis or accounting analysis or Analysis of finance) refers to an assessment of the viability, stability, and profitability of a business, sub-business or project. \nIt is performed by professionals who prepare reports using ratios and other techniques, that make use of information taken from financial statements and other reports.
Emergency operations center An emergency operations center (EOC) is a central command and control facility responsible for carrying out the principles of emergency preparedness and emergency management, or disaster management functions at a strategic level during an emergency, and ensuring the continuity of operation of a company, political subdivision or other organization.\nAn EOC is responsible for strategic direction and operational decisions and does not normally directly control field assets, instead leaving tactical decisions to lower commands.
Operations research Operations research (British English: operational research), often shortened to the initialism OR, is a discipline that deals with the development and application of advanced analytical methods to improve decision-making. It is sometimes considered to be a subfield of mathematical sciences.
The Walt Disney Company The Walt Disney Company, commonly known as Disney (), is an American multinational mass media and entertainment conglomerate headquartered at the Walt Disney Studios complex in Burbank, California.\nDisney was originally founded on October 16, 1923, by brothers Walt and Roy O. Disney as the Disney Brothers Cartoon Studio; it also operated under the names the Walt Disney Studio and Walt Disney Productions before changing its name to the Walt Disney Company in 1986.
Adverse party An adverse party is an opposing party in a lawsuit under an adversary system of law. In general, an adverse party is a party against whom judgment is sought or "a party interested in sustaining a judgment or decree." For example, the adverse party for a defendant is the plaintiff.
Hostile witness A hostile witness, also known as an adverse witness or an unfavorable witness, is a witness at trial whose testimony on direct examination is either openly antagonistic or appears to be contrary to the legal position of the party who called the witness. This concept is used in the legal proceedings in the United States, and analogues of it exist in other legal systems in Western countries.
Misophonia Misophonia is a disorder of decreased tolerance to specific sounds or their associated stimuli that has been characterized using different language and methodologies. Reactions to trigger sounds range from anger and annoyance to activating a fight-or-flight response.
List of global issues A global issue is a matter of public concern worldwide. This list of global issues presents problems or phenomena affecting people around the world, including but not limited to widespread social issues, economic issues, and environmental issues.
Net interest margin Net interest margin (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their (interest-earning) assets. It is similar to the gross margin (or gross profit margin) of non-financial companies.
Usury Usury () is the practice of making unethical or immoral monetary loans that unfairly enrich the lender. The term may be used in a moral sense—condemning, taking advantage of others' misfortunes—or in a legal sense, where an interest rate is charged in excess of the maximum rate that is allowed by law.
Fidelity Investments Fidelity Investments Inc., commonly referred to as Fidelity, earlier as Fidelity Management & Research or FMR, is an American multinational financial services corporation based in Boston, Massachusetts. The company was established in 1946 and is one of the largest asset managers in the world with $4.5 trillion in assets under management, now as of December 2021 their assets under administration amounts to $11.8 trillion.
Ariel Investments Ariel Investments is an investment company located in Chicago, Illinois. It specializes in small and mid-capitalized stocks based in the United States.
Borrowing center A borrowing center, borrowing shop, borrowing bar, item library or library of things is a library of household items and tools, usually organized as a volunteer cooperative, nonprofit organization, or operated by the local public library.Borrowing centers are part of the sharing economy, which was termed in 1984 by Harvard economist Martin Weitzman. In contrast to a rental store, which offers many of the same items, borrowing centres are operated on a non-profit or collective basis.
Borrowing base Borrowing base is an accounting metric used by financial institutions to estimate the available collateral on a borrower's assets in order to evaluate the size of the credit that may be extended. Typically, the calculation of borrowing base is used for revolving loans, and the borrowing base determines the maximum credit line available to the borrower.
Regulation Regulation is the management of complex systems according to a set of rules and trends. In systems theory, these types of rules exist in various fields of biology and society, but the term has slightly different meanings according to context.
Unitary authority A unitary authority is a local authority responsible for all local government functions within its area or performing additional functions that elsewhere are usually performed by a higher level of sub-national government or the national government.\nTypically unitary authorities cover towns or cities which are large enough to function independently of a council or other authority.
Strategic assumptions Strategic assumptions are the assumptions that are held by decision-makers when building a strategic plan. All strategic plans should be built upon a grounded, validated and accepted set of strategic assumptions.
Assumption Island Assumption Island is a small island in the Outer Islands of Seychelles north of Madagascar, 1,135 km (705 mi) south-west of the capital, Victoria, on Mahé Island.\nIn 2018, Seychelles and India signed an agreement to build and operate a joint military facility on a portion of the island, which the National Assembly of Seychelles refuted the agreement and deemed after protestation by the citizens of Seychelles.
Federal Direct Student Loan Program The William D. Ford Federal Direct Loan Program (also called FDLP, FDSLP, and Direct Loan Program) provides "low-interest loans for students and parents to help pay for the cost of a student's education after high school. The lender is the U.S. Department of Education ...
Regulation (European Union) A regulation is a legal act of the European Union that becomes immediately enforceable as law in all member states simultaneously. Regulations can be distinguished from directives which, at least in principle, need to be transposed into national law.
Formula One regulations The numerous Formula One regulations, made and enforced by the FIA and later the FISA, have changed dramatically since the first Formula One World Championship in 1950. This article covers the current state of F1 technical and sporting regulations, as well as the history of the technical regulations since 1950.
Regulation of therapeutic goods The regulation of therapeutic goods, defined as drugs and therapeutic devices, varies by jurisdiction. In some countries, such as the United States, they are regulated at the national level by a single agency.
Competition law Competition law is the field of law that promotes or seeks to maintain market competition by regulating anti-competitive conduct by companies. Competition law is implemented through public and private enforcement.
Deposit account A deposit account is a bank account maintained by a financial institution in which a customer can deposit and withdraw money. Deposit accounts can be savings accounts, current accounts or any of several other types of accounts explained below.
Disruptive innovation In business theory, disruptive innovation is innovation that creates a new market and value network or enters at the bottom of an existing market and eventually displaces established market-leading firms, products, and alliances. The concept was developed by the American academic Clayton Christensen and his collaborators beginning in 1995, and has been called the most influential business idea of the early 21st century.
Dividend tax A dividend tax is a tax imposed by a jurisdiction on dividends paid by a corporation to its shareholders (stockholders). The primary tax liability is that of the shareholder, though a tax obligation may also be imposed on the corporation in the form of a withholding tax.
Dividend discount model In finance and investing, the dividend discount model (DDM) is a method of valuing the price of a company's stock based on the fact that its stock is worth the sum of all of its future dividend payments, discounted back to their present value. In other words, DDM is used to value stocks based on the net present value of the future dividends.
Government-owned and controlled corporation In the Philippines, a government-owned and controlled corporation (GOCC), sometimes with an "and/or", is a state-owned enterprise that conducts both commercial and non-commercial activity. Examples of the latter would be the Government Service Insurance System (GSIS), a social security system for government employees.
Dividend yield The dividend yield or dividend–price ratio of a share is the dividend per share, divided by the price per share. It is also a company's total annual dividend payments divided by its market capitalization, assuming the number of shares is constant.
Risk Factors
BANK OF HAWAII CORP Item 1A Risk Factors 7 Item 1A Risk Factors There are a number of risks and uncertainties, many of which are beyond the Companyapstas control that could have a material adverse impact on the Companyapstas financial condition or results of operations
The Company describes below some of these risks and uncertainties
Changes in the Hawaii and island market economies could adversely impact the Company
The Companyapstas business is closely tied to the economies of Hawaii and its other island markets, which are heavily influenced by tourism, government and other service-based industries
A sustained economic downturn could adversely affect the Companyapstas financial condition or results of operations
7 _________________________________________________________________ Changes in interest rates could adversely impact the Company
The Companyapstas earnings are highly dependent on the spread between the interest earned on loans and investments and the interest paid on deposits and borrowings
Changes in market interest rates impact the rates earned on loans and investment securities and the rates paid on deposits and borrowings
In addition, changes to the market interest rates could impact the level of loans, deposits and investments, and the credit profile of existing loans
These rates may be affected by many factors beyond the Companyapstas control, including general and economic conditions and the monetary and fiscal policies of various governmental and regulatory authorities
Changes in interest rates may negatively impact the Companyapstas ability to attract deposits, make loans and achieve satisfactory interest rate spreads which could adversely affect the Companyapstas financial condition or results of operations
The Companyapstas reserve for credit losses may not be adequate to cover actual loan losses
The risk of nonpayment of loans is inherent in all lending activities, and nonpayment, if it occurs, may have an adverse effect on the Companyapstas financial condition or results of operation
The Company maintains a Reserve for Credit Losses (the &quote Reserve &quote ) to absorb estimated probable credit losses inherent in the loan and commitment portfolios as of the balance sheet date
In determining the level of the Reserve, management makes various assumptions and judgments about the loan portfolio
If the Companyapstas assumptions are incorrect, the Reserve may not be sufficient to cover losses which could adversely affect the Companyapstas financial condition or results of operations
Many of the Companyapstas loans are secured by real estate in Hawaii and Guam
If these locations experience an economic downturn that impacted real estate values and customers &apos ability to repay, loan losses could exceed the estimates that are currently included in the Reserve
The Company is subject to extensive regulation
The Companyapstas operations are subject to extensive regulation by federal and state governmental authorities which impose requirements and restrictions on the Companyapstas operations
The impact of changes to laws and regulations or other actions by regulatory agencies could make regulatory compliance more difficult or expensive for the Company and could adversely affect the Companyapstas financial condition or results of operations
Competition may adversely affect the Companyapstas business
The Company faces competition for its services from a variety of competitors
The Companyapstas future growth and success depends on its ability to compete effectively
The Company competes for deposits, loans and other financial services with numerous banks, thrifts, credit unions, mortgage companies, broker dealers, and insurance companies that are based in and out of Hawaii
The financial services industry is also likely to become more competitive as further technological advances enable more companies to provide financial services, this could adversely affect the Companyapstas financial condition or results of operations
The Parentapstas liquidity is dependent on dividends from the Bank
The Bankapstas ability to pay dividends to the Parent is limited by various statutes and regulations
It is possible, depending upon the financial condition of the Bank and other factors, that the Federal Reserve Board could assert that payment of dividends from the Bank to the Parent is an unsafe or unsound practice
In the event the Bank was unable to pay dividends to the Parent, dividends on the Companyapstas common stock could be jeopardized
The Companyapstas failure to pay dividends or a reduction in the dividend rate could have a material adverse effect on the market price of the Companyapstas common stock
The Company relies heavily on communications and information systems to conduct its business
In addition, the Company depends, to a significant extent, on several third party service providers
Third parties provide key components of the Companyapstas infrastructure including loan, deposit and general ledger processing, internet connections and network access
Any disruption in service of these key components could adversely affect the Companyapstas ability to deliver products and services to its customers and otherwise to conduct its business
Further, any security breach of the Companyapstas information systems or data, whether managed by the Company or by third parties, could harm the Companyapstas reputation, cause a decrease in the number of customers, and adversely affect the Companyapstas financial condition or results of operations
Additional risks and uncertainties could have a negative effect on the Companyapstas financial condition or results of operations
Such factors include, but are not limited to: new litigation or changes in existing litigation, claims and assessments; environmental liabilities, asset impairments; real or threatened acts of war or terrorist activity, adverse weather, public health; changes in accounting standards, taxing authority interpretations; and an inability on the Companyapstas part to retain and attract skilled people