Central Pacific Financial Results Presentation Deck

● INVESTOR COMMERCIAL REAL ESTATE LOANS Loan Portfolio Details WA LTV 53% Secured By ✓ Commercial & ● LIMITED IMPACT EXPECTED FROM COVID-19 Industrial Warehouse ✓ Multi-Family ✓ Commercial Construction & Development $950MM (Does not reflect an additional $121MM of undrawn commitments) Outstanding Balance as of 3/31/20 $ in Millions Commercial Construction & Development $46 / 5% Multi-Family $316 / 33% Commercial & Industrial Warehouse $588/ 62% NG CENTRAL PACIFIC FINANCIAL CORP 13

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