Investor Presentaiton

Pre-Tax Pre-Provision (PTPP) Income Consistent Growth & Positive Earnings Trends Loan Balances Outstanding-Excluding PPP 5,500 $ Millions $ Millions 5,000 4,500 A 4,000 3,500 CAGR 6.8% 100 $4.8B 90 $ Millions 80 70 60 ||| 3,000 50 2016 2017 2018 2019 2020 Q1 2021 Q2 2021 Q3 2021 2016 2017 2018 2019 2020 Total Deposits 7,000 6,500 6,000 5,500 CAGR 7.6% 5,000 4,500 $6.5B @ 0.05% avg cost • • YTD 2021* * Annualized YTD 9/30/2021 Strong, consistent and balanced loan and deposit growth Pre-tax, pre-provision earnings continue to grow 4,000 2016 2017 2018 2019 2020 Q1 2021 Q2 2021 Q3 2021 Central Pacific Financial Corp. 80

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