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  "docSlug": "189f489098690fd08637a3694122d077",
  "documentTitle": "Pathward Financial | Credit Presentation Deck | 39 slides",
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  "authorName": "Pathward Financial",
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  "presentationDate": "2022-09-01 00:00:00",
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      "kind": "list",
      "text": "Optimize Interest-Earning Assets: Grew commercial finance loans by $361M (14%), cash dropped $563M, divested $304M in Community Banking loans.",
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      "text": "Optimize Deposits: Total deposits fell $178M (3%), reduced wholesale deposits by 92%, achieved 0.12% cost of funds.",
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      "text": "Optimize Operating Efficiencies: Efficiency ratio 62.84% vs 61.75%, exited two tax partner relationships, $3.1M expense reduction.",
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      "text": "1 Adjusted efficiency ratio (excluding the gain on sale of trademarks and rebranding expenses) for the twelve months ended June 30, 2022 was 67.43%. See appendix for Non-GAAP financial measures reconciliations.",
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      "kind": "title",
      "text": "THIRD QUARTER BUSINESS HIGHLIGHTS & KEY STRATEGIC INITIATIVES",
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