Central Pacific Financial Investor Presentation Deck

LO 5 Strong credit & capital profile Nonperforming Loans / Total Loans 1.00% 0.80% 0.60% 0.40% 0.20% 0.00% 2.00% 1.50% 1.00% 0.50% 3Q20 4Q20 1021 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 0.08% ACL / Total Loans Central Pacific Financial Corp. 1.19% 3Q20 4Q20 1Q21 2Q21 3Q21 4021 1022 2022 3022 1.00% 0.80% 0.60% 0.40% 0.20% 0.00% Loans 90+ Days Past Due / Total Loans 0.03% 3Q20 4Q20 1021 2021 3Q21 4Q21 1Q22 2Q22 3Q22 Strong and diversified loan portfolio combined with solid credit risk management CPF credit quality compares favorably to peer banks -Central Pacific Financial -Public Banks with $3-10 Billion in Assets 14

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