Central Pacific Financial Investor Presentation Deck

3rd Quarter 2022 Financial Highlights ● Strong loan growth of 9% on an annualized basis Net interest income grew by $2.4 million or 4.5% from the prior quarter NIM expansion of 12 bps sequential quarter Strong asset quality with NPAs at 0.06% of total assets Solid capital position with CET1 capital ratio at 10.6% Central Pacific Financial Corp. NET INCOME / DILUTED EPS TOTAL LOAN GROWTH TOTAL DEPOSIT GROWTH NET INTEREST MARGIN (NIM) RETURN ON ASSETS (ROA) RETURN ON EQUITY (ROE) 3Q 2022 $16.7 Million / $0.61 +$121 Million (+2.3%) -$65 Million (-1.0%) 3.17% 0.91% 14.49% 2Q 2022 $17.6 Million / $0.64 +$127 Million (+2.5%) $23 Million (+0.3%) 3.05% 0.96% 14.93% 4

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