Investor Presentaiton

Total Loan Portfolio LOAN PORTFOLIO HIGHLIGHTS Conservative and Diversified Loan Portfolio . - 41% Commercial - 47% Residential 12% Consumer Predominantly Hawaii Focused 86% Hawaii - 14% Mainland/Guam TOTAL LOAN PORTFOLIO OF $5,046MM OUTSTANDING BALANCE AS OF 9/30/2021 $ IN MILLIONS CRE Investor $897 / 18% . • 77% Real Estate Secured (excluding PPP loan balances from total loan portfolio balance) Nearly all loan deferrals have returned to pay status with only $1.3 million in residential and consumer deferrals remaining at 9/30/21 CRE - Owner Occupied $311/6% Central Pacific Financial Corp. Consumer $603/12% Home Equity $619 / 12% Note: Totals may not sum due to rounding. Commercial & Industrial $519/10% PPP $219/4% Construction $129/3% Residential $1,749 / 35% 21 24

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