Central Pacific Financial Results Presentation Deck

LOANS RATED SPECIAL MENTION Outstanding Balance as of 3/31/20 $ in Millions Foodservice $14/ 13% Healthcare $6/6% Accommodation $10/9% Wholesale Trade $18/ 16% Other $9/8% Real Estate Rental & Leasing $33/ 30% Retail Trade $19 / 17% Credit Risk Management Approach Strong asset quality prior to COVID-19 After COVID-19, additional monitoring with frequent high-touch ● ● Assessment for risk rating migration based on: ✓ Management strength and actions taken ✓ Business cash burn ✓ Access to cash liquidity ✓ Payment deferral ✓ Application of Federal support programs $109MM of which $65MM was attributed to COVID-19 CENTRAL PACIFIC FINANCIAL CORP 14

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