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  "documentTitle": "Pathward Financial | Results Presentation Deck | 20 slides",
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  "authorName": "Pathward Financial",
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  "presentationDate": "2022-08-01 00:00:00",
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  "notes": "The table provides a breakdown of tax services economics, highlighting net interest income, product income, and credit loss provisions.",
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      "text": "RA originations of $1.83 billion compared to $1.79 billion in the 2021 tax season. Customer appetite for refund advances tempered in the 2022 tax season by remaining government stimulus funds. Approximate average loan size of $1,263 compared to $1,323 in 2021.",
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      "text": "Tax Season ramps up during the first fiscal quarter, peaks during the second fiscal quarter, and wraps up during the third fiscal quarter. As a result, performance for the nine months ended June 30th is a better reflection on the overall performance for tax season.",
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      "kind": "paragraph",
      "text": "Refund advances (\"RAs\") and refund-transfers (\"RTs\") leverage banking-as-a-service (\"BaaS\") infrastructure and are core to our Pathward mission, as they allow consumers quicker access to their money.",
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      "text": "1 Approximate loss rate calculated by taking provision for loan & lease losses divided by total refund advance originations. FY22 value excludes large recovery in Q1 for FY21 season.",
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      "text": "Tax Services Economics table showing Net interest income, Tax advance product income, RT product income, Total revenue, Total expense, Provision for credit losses, Net income, pre-tax, Total refund advance originations, and Approximate loss rate.",
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      "text": "2022 TAX SEASON RECAP",
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