Central Pacific Financial Results Presentation Deck

[ Non-GAAP Financial Measures- Pre-Tax, Pre-Provision Earnings $ Millions Net Interest Income Other Operating Income Total Revenue Other Operating Expense Pre-tax, Pre-provision Earnings GAAP Net Income Three-Months Ended Mar. 31, 2020 $ 47.8 8.9 56.7 36.2 20.5 8.3 Dec. 31, 2019 $ 47.9 9.8 57.7 36.2 21.5 14.2 Mar. 31, 2019 $ 45.1 11.7 56.8 34.4 22.4 16.0 % Change QoQ 0% -9% -2% 0% -5% YoY 6% -24% 0% 6% -9% -41% -48% We believe that pre-tax, pre-provision earnings, a non-GAAP financial measure, is useful as a tool to help evaluate the ability to provide for credit costs through operations. CENTRAL PACIFIC FINANCIAL CORP 20

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