Central Pacific Financial Results Presentation Deck

[ OWNER OCCUPIED COMMERCIAL REAL ESTATE / C&I BY INDUSTRIES INDUSTRIES THAT WILL LIKELY EXPERIENCE IMPACT FROM COVID-19 Primary Industries Outstanding Balance as of 3/31/20 $ in Millions Secondary Industries Outstanding Balance as of 3/31/20 $ in Millions Wholesale Trade $37 / 4% Accommodation & Foodservice $58 / 7% Manufacturing $73 / 9% $378MM 8% $865MM (Does not reflect an additional $351MM of undrawn commitments) Healthcare $124/ 14% Retail Trade $86 / 10% Professional & Administrative $46 / 5% ● Transportation $73 / 9% Other Industries $217/ 25% Other Industries include: Other Services Construction Utilities Finance and Insurance $487MM 11% Real Estate Management & Other Leasing $151 / 17% RE CENTRAL PACIFIC FINANCIAL CORP 9

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