Central Pacific Financial Investor Presentation Deck

Hawaii Deposit Cost Advantage The Hawaii market has the benefit of unique deposit behavior with low cost, stable balances 6.00% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% Central Pacific Financial Corp. 2005 2006 2007 2008 61 bps funding advantage 2009 2010 2011 Total Deposit Cost 2012 CPF 2013 2014 Peer average* 2015 2016 Fed Funds 2017 2018 2019 2020 * U.S. Public banks with total assets of $3-10 billion as of June 30, 2022. Source: S&P Global. 47 bps funding advantage 2021 Q1 2022 Q2 2022 DU DO DO DO DO DO DO Dg DO 12

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