Central Pacific Financial Results Presentation Deck

[ DRIVERS OF CHANGE UNDER CECL $49 ALLL 4Q19 Allowance for Credit Losses (in millions)* $4 Day 1 Adjustment $10 o Changes in portfolio and credit quality o Macro economic conditions o Consideration of additional economic scenarios o Net charge- offs * Includes the Allowance for Off-Balance Sheet Exposures. 1Q20 Day 2 $63 BG CENTRAL PACIFIC FINANCIAL CORP 19

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