Central Pacific Financial Investor Presentation Deck

CPF Deposit Cost Advantage 6.00% 5.00% A 4.00% 3.00% 2.00% 1.00% 0.00% 2005 CPF has the benefit of unique deposit behavior with low cost, stable balances Total Deposit Cost 2006 Central Pacific Financial Corp. 2007 2008 2009 69 bps funding advantage 2010 2011 2012 CPF 2013 2014 2015 Peer average* 2016 2017 Fed Funds 2018 2019 2020 47 bps funding advantage 2021 Q1 2022 Q2 2022 Q3 2022 * U.S. Public banks with total assets of $3-10 billion as of September 30, 2022. Source: S&P Global. DU DO DO DO DO DO DOE DO Dg DO 12

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