{
  "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": 8,
  "pageCount": 25,
  "prevPage": 7,
  "nextPage": 9,
  "slideType": "key_takeaways",
  "function": "summarize",
  "density": "overcrowded",
  "nDataPoints": 12,
  "notes": null,
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de073-d027-726d-af31-d94b4c611855/8",
  "deckHref": "/decks/019de073-d027-726d-af31-d94b4c611855",
  "deckJsonHref": "/decks/019de073-d027-726d-af31-d94b4c611855.json",
  "deckAnchorHref": "/decks/019de073-d027-726d-af31-d94b4c611855#slide-8",
  "components": [
    {
      "bbox": {
        "h": 0.05,
        "w": 0.9,
        "x": 0.05,
        "y": 0.85
      },
      "kind": "disclaimer",
      "text": "1 Adjusted efficiency ratio (excluding the gain on sale of trademarks and rebranding expenses) for the twelve months ended September 30, 2022 was 67.52%. See appendix for Non-GAAP financial measures reconciliations. 2 See slide 13 (Low-cost Deposits) for additional detail on deposit costs.",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "cef5937a-e86c-4f0d-9437-e4816accdadc",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.2,
        "w": 0.8,
        "x": 0.1,
        "y": 0.2
      },
      "kind": "image",
      "text": null,
      "attrs": null,
      "subkind": "icon-grid",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "10b22a0e-ec7c-4a3d-bb83-b15aa04c7016",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.4,
        "w": 0.3,
        "x": 0.68,
        "y": 0.4
      },
      "kind": "list",
      "text": "TARGET OF 2X OPERATING LEVERAGE: Efficiency ratio of 64.09%; Business transformation office established; Reduced office space footprint; $5.1 million in separation agreement expenses.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "58636b31-630b-4db4-a0d8-b325e1567615",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.4,
        "w": 0.3,
        "x": 0.37,
        "y": 0.4
      },
      "kind": "list",
      "text": "OPTIMIZE DEPOSIT MIX, TO MAINTAIN A STABLE, LOW-COST DEPOSIT BASE: Low cost of deposits driven by 96% noninterest deposits; Achieved 0.03% cost of funds; $1.31 billion off-balance sheet deposits; Prioritizing BaaS deposits.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "b64d162f-6655-4855-8bb5-5ba583a40000",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.4,
        "w": 0.3,
        "x": 0.05,
        "y": 0.4
      },
      "kind": "list",
      "text": "OPTIMIZE INTEREST-EARNING PORTFOLIO, TO EMPHASIZE HIGHER-RETURN ASSETS: Improved yield on earning assets to 5.26% for 4Q22; Grew commercial finance loans by $298 million; $1.9 billion securities portfolio; Sale of $82 million student loan portfolio.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "ffacdb7e-0a4c-4f59-a626-8ddb73542c7f",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.1,
        "w": 0.9,
        "x": 0.05,
        "y": 0.05
      },
      "kind": "title",
      "text": "Continued Progress on Key Strategic Initiatives",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "a40f64a8-2b59-4c58-8048-047f7de0fe76",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 8,
      "from": 6,
      "beatId": "1723864c-ece4-4a5c-86d4-37b84f2d42cc",
      "arcName": "AIDA",
      "arcSlug": "aida",
      "beatName": "Desire",
      "beatSlug": "aida-desire",
      "evidence": "The presentation highlights the company's record of strong earnings growth and profitability, and return of capital to shareholders to create desire.",
      "position": 2,
      "confidence": 0.8,
      "parentBeatName": "Evidence",
      "parentBeatSlug": "evidence"
    }
  ],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}