Lawrence M. Johnson, Bank of Hawaii chief executive officer and chairman, said the arrangement with Capital Trust, which has offices in Bombay, Calcutta, Madras and Bangalore, is part of the bank's strategy of expansion in Asia and the Pacific.

"India is among the more exciting emerging markets in the world and its recent economic liberalization provides an attractive environment for business," he said after the agreement was announced yesterday.

Elson Keng Kwang Ng, senior vice president and regional manager for Bank of Hawaii's Southeast Asia Region, will manage the bank's India office within Capital Trust.

Karl Pan, executive vice president in Bank of Hawaii's international banking group, said representative services typically include providing information and making customer contacts in the host country.

In Asia, Bank of Hawaii already has branches in Hong Kong, Seoul, Singapore, Taipei and Tokyo. In the Pacific it has branches in Fiji, American Samoa, Micronesia, the Marshall Islands, the Northern Mariana, Guam and Palau. It controls banks in Tahiti and New Caledonia and has affiliates in the Solomon Islands, Tonga and Western Samoa, as well as a representative office in the Philippines.