Central Pacific Financial Investor Presentation Deck
2 Accelerating & sustainable growth
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$ Millions
5,500
5,000
4,500
4,000
3,500
3,000
Loan Balances Outstanding-Excluding PPP
2016
2017
Central Pacific Financial Corp.
CAGR 7.6%
2018
11
2019
2020
$5.3B
2021 202022
Coml Mortgage
25%
Loan Portfolio Composition
as of June 30, 2022
Consumer
13%
C&I
10%
Construction
3%
Residential Mortgage
36%
Home Equity
13%
Strong and diverse loan portfolio, with over 75% secured by real estate
Core loans grew in 2Q 2022 by 11.8% on a linked quarter annualized basis
Loan market share increased from 13% to 15% in the last 5 years*
Weighted average LTVS of 64% for Residential Mortgage, 61% for Home Equity and 62% for Commercial Mortgage
Strong Consumer credit quality with weighted average origination FICO of 740 for Hawaii Consumer and 745 for Mainland Consumer
Mainland loan portfolio purchase/participation strategy provides geographic diversification and higher yield opportunities
* Market share among the 4 largest Hawaii banks (Bank of Hawaii, First Hawaiian Bank, American Savings Bank and Central Pacific Bank). Source: S&P Global.
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