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Investor Presentaiton

3rd Quarter 2021 Highlights Highest pre-tax income since 2007 Increased quarterly cash dividend by 4.2% PROFITABILITY NET INCOME / DILUTED EPS . Core loan growth 16% LQA and core deposit growth 18% LQA $6.5 billion in total deposits at an average cost 0.05% ASSET QUALITY CAPITAL $20.8 Million / $0.74 NPAS/TOTAL ASSETS 0.10% QTRLY DIVIDEND $0.25 per share ROA/ROE 1.15% / 14.83% NCOS/AVERAGE LOANS1 0.02% CET1 11.2% NET INTEREST MARGIN 3.31% Actual 2.96% Normalized* CLASSIFIED ASSET RATIO² 6.77% TIER 1 LEVERAGE* 8.9% EFFICIENCY RATIO 62.3% ACL COVERAGE* 1.55% TCE* 7.9% Normalized to exclude PPP impact. 1 Net charge-offs (NCOs) are annualized 2 Classified assets + OREO / Tier 1 Capital + ACL Central Pacific Financial Corp. 7
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