Central Pacific Financial Results Presentation Deck

[P POTENTIAL COVID-19 EXPOSURE IN LOAN PORTFOLIO Total Loan Portfolio of $4,504MM¹ Outstanding Balance as of 3/31/20 $ in Millions Consumer $560 / 13% Residential/HE $2,129 / 47% Owner Occupied CRE / C&I $865 / 19% 1 Excludes Overdrafts and Unearned/Other Clearings K Investor CRE $950 / 21% ● Industry Owner Occupied CRE / C&I $865 Consumer $560 ● POTENTIAL IMPACT Industry ● O/S Bal in MM POTENTIAL LIMITED IMPACT Residential / HE Investor CRE O/S Bal in MM $2,129 $950 CENTRAL PACIFIC FINANCIAL CORP 8

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