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Investor Presentaiton

Hawaii Economy Trending Favorably STRENGTHS AND RECOVERY FACTORS • Hawaii has the lowest per capita COVID-19 case rate in the nation1 • • Approximately 72% of Hawaii residents are fully vaccinated2 Visitor numbers trending positively and expecting a strong Winter/Holiday season Housing prices remain extremely strong with the Oahu median home sales price exceeding $1 million since August 2021 Unemployment rate improved to 6.3% in October 20213 compared to a peak of 22% in April 2020 1 2 3 Source: Centers for Disease Control (CDC), as of December 8, 2021 (since the beginning of the pandemic). Source: Health.Hawaii.gov, as of December 8, 2021. Preliminary Central Pacific Financial Corp. $1,100 $1,000 $900 $800 $700 $600 $500 2010 2011 DAILY PASSENGER COUNTS TO HAWAII* Historic trends (daily and 7-day moving average) CD12/7/2021 1/1/2019 40K 30K www 20K 10K OK 2019 2020 2021 OAHU SINGLE FAMILY HOME MEDIAN SALES PRICE ($ IN THOUSANDS) 2012 2013 2014 2015 2016 2017 2018 2019 2020 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 * Source: Department of Business Economic Development & Tourism. Includes visitors, returning residents, and intended residents. Excludes flights from Canada. 6 со 2022
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