{
  "docId": "019de073-d027-726d-af31-d94b4c611855",
  "docSlug": "865cf1ccfff25360a599f2976a6e1882",
  "documentTitle": "Pathward Financial | Results Presentation Deck | 25 slides",
  "authorId": "pathward-financial",
  "authorName": "Pathward Financial",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2022-10-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.7777778,
  "pageNumber": 12,
  "pageCount": 25,
  "prevPage": 11,
  "nextPage": 13,
  "slideType": "kpi_overview",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 14,
  "notes": "The slide highlights the competitive advantage of low-cost deposits generated by the BaaS business.",
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de073-d027-726d-af31-d94b4c611855/12",
  "deckHref": "/decks/019de073-d027-726d-af31-d94b4c611855",
  "deckJsonHref": "/decks/019de073-d027-726d-af31-d94b4c611855.json",
  "deckAnchorHref": "/decks/019de073-d027-726d-af31-d94b4c611855#slide-12",
  "components": [
    {
      "bbox": {
        "h": 0.4,
        "w": 0.6,
        "x": 0.38,
        "y": 0.53
      },
      "kind": "chart",
      "text": "End of Period Deposits ($B)",
      "attrs": null,
      "subkind": "bar-stacked",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "0cc607fa-2718-4842-86e9-0646c53543e3",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.4,
        "w": 0.25,
        "x": 0.55,
        "y": 0.08
      },
      "kind": "chart",
      "text": "Deposit Breakdown",
      "attrs": null,
      "subkind": "pie",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "6b7f9158-3b01-46e1-9c08-385782195830",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.45,
        "w": 0.33,
        "x": 0.03,
        "y": 0.34
      },
      "kind": "list",
      "text": "Pathward's BaaS business generates fee income and low-cost deposits leading to high levels of noninterest-bearing deposits (96% of total deposits).\nThe BaaS business' ability to attract and maintain these low-cost deposits provides a powerful competitive advantage.\nNoninterest-bearing deposits as a percentage of total deposits has increased every year since 2018, from 54% in 4Q18 to 96% as of 4Q22.\n$1.31 billion of off-balance sheet customer deposits currently held in custody at partner banks. These off-balance sheet deposits earn recordkeeping service fee income, typically reflective of the Effective Fed Funds Rate.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "62f44134-e3ad-4534-b556-bf89feea17b2",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.03,
        "w": 0.15,
        "x": 0.03,
        "y": 0.29
      },
      "kind": "paragraph",
      "text": "HIGHLIGHTS",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "3727a263-7aaf-40db-ab1f-faf615d13503",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.06,
        "w": 0.3,
        "x": 0.03,
        "y": 0.08
      },
      "kind": "title",
      "text": "Deposit Growth",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "f01f9a40-1e0b-43a3-91b9-ff83ace2b900",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 25,
      "from": 9,
      "beatId": "5b7ab990-a8ce-4d30-98cf-6875eaac4f3b",
      "arcName": "AIDA",
      "arcSlug": "aida",
      "beatName": "Action",
      "beatSlug": "aida-action",
      "evidence": "The presentation provides detailed KPI overviews and financial results to encourage action.",
      "position": 3,
      "confidence": 0.8,
      "parentBeatName": "Resolution",
      "parentBeatSlug": "resolution"
    }
  ],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}