Central Pacific Financial Investor Presentation Deck

5 Strong credit & capital profile 2.00% 1.50% 1.00% 0.50% 0.00% 2.00% 1.50% 1.00% 0.50% 0.00% 2016 2016 Non-Performing Loans to Total Loans* Central Pacific Financial Corp. 2017 2018 2017 2019 2018 Loan Loss Reserves to Total Loans 2020 2019 2020 0.15% 2021 Q1 2022 Q2 2022 1.23% 2021 Q1 2022 Q2 2022 2.00% 1.50% 1.00% 0.50% 0.00% 2016 NPAS & 90+PD to Total Loans & OREO 2017 2018 -Central Pacific Financial 2019 2020 0.17% Strong and diversified loan portfolio combined with solid credit risk management CPF credit quality compares favorably to peer banks 2021 Q1 2022 Q2 2022 * Non-Performing Loans defined as total nonaccrual loans plus total restructured loans still accruing interest. -Public Banks with $3-10 Billion in Assets 14

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