Central Pacific Financial Results Presentation Deck

[ MORTGAGE LOAN PORTFOLIO ● LIMITED IMPACT EXPECTED FROM COVID-19 Loan Portfolio Details Residential ✓ WA LTV 60% ✓ WA FICO 779 Home Equity Loans & Lines ✓ WA LTV 58% ✓ WA FICO 786 Home Equity Loans & Lines $489 / 23% $2,129MM (Does not reflect an additional $504MM of undrawn commitments) Outstanding Balance as of 3/31/20 $ in Millions Note: Excludes Overdrafts and Unearned/Other Clearings F Residential $1,640 / 77% CENTRAL PACIFIC FINANCIAL CORP 12

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