Central Pacific Financial Investor Presentation Deck

4 Focus on driving efficiency SUCCESSFUL EXECUTION TO DATE: Central Pacific Financial Corp. ● E CONTINUED FOCUSED EXECUTION TO DRIVE EFFICIENCY RATIO UNDER 60% Service Now implementation: using automation to improve internal processing Consolidated Loan Origination System: straight-through processing from end-to-end Digital Channels: continued transaction migration ● Branch Consolidation - 8 branches consolidated since 2020 (-23%) - Currently operating 27 branches in the State of Hawaii FTE Reduction - Reduced total FTE from 833 to 774 over the last 2 years (-7%) IT through attrition enabled by efficiency gains 13

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