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  "documentTitle": "Central Pacific Financial | Investor Presentation Deck | 24 slides",
  "authorId": "central-pacific-financial",
  "authorName": "Central Pacific Financial",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2022-11-01 00:00:00",
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      "kind": "list",
      "text": "FTE Reduction: Reduced total FTE from 833 to 774 over the last 2 years (-7%) through attrition enabled by efficiency gains",
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      "text": "Service Now implementation: using automation to improve internal processing\nConsolidated Loan Origination System: straight-through processing from end-to-end\nDigital Channels: continued transaction migration",
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      "text": "Branch Consolidation: 8 branches consolidated since 2020 (-23%); Currently operating 27 branches in the State of Hawaii",
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      "text": "CONTINUED FOCUSED EXECUTION TO DRIVE EFFICIENCY RATIO UNDER 60%",
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      "evidence": "The deck implies that not taking action would result in missed growth opportunities.",
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