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  "documentTitle": "2020 ccb investor day",
  "authorId": "JPMorgan",
  "authorName": "JPMorgan Chase & Co.",
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      "text": "We are focused on reducing our origination costs and have seen promising results over the past year.",
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      "text": "Reduced exposure to higher-cost non-performing loans; Operational efficiencies through automation and process improvement",
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      "text": "Focusing Home Lending Field Sales coverage in areas of high opportunity for mortgages and deposit & investment acquisition; Further expanding Centralized Sales; Reduced cost per loan by ~18% YoY including ~40% improvement in Home Lending salesforce productivity",
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