Central Pacific Financial Investor Presentation Deck

Rate Sensitivity ● ● Stable, low-rate sensitive core deposit base has supported NIM expansion 3Q 2022 NIM increased by 12 bps sequential quarter to 3.17% due to asset sensitivity and the rising rate environment Central Pacific Financial Corp. Asset Sensitive Balance Sheet 1.8% Net Interest Income Rate Sensitivity As of September 30, 2022 2.2% +100 bps 2.8% Gradual* Immediate* 4.0% +200 bps * Immediate reflects an instantaneous, parallel rate shock, whereas gradual reflects a parallel rate ramp evenly over 12 months. DU DO DO DO DO DO DOE DO Dg DO 23

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